Fair Money & Economic Opportunity.
Financial companies that serve communities fairly and promote economic inclusion.
This dimension evaluates financial institutions on whether they serve communities fairly or exploit them. We track predatory lending lawsuits, redlining investigations, excessive fee class actions, money laundering penalties, and sanctions violations. Banks and financial services companies are measured on their actual enforcement record — not their community reinvestment marketing materials.
What we measure
Customer share from underserved or minority segments
Pricing fairness relative to market median (APR, fees)
Revenue exposure to high-cost exploitative products (payday, overdraft)
Fair lending compliance and discriminatory lending findings
Customer wealth-building outcomes (credit score, savings, homeownership)
Profit reinvested in community finance and underserved areas
Geographic inclusion and coverage of banking deserts
Financial literacy programme reach and impact
Why it matters
Financial misconduct is among the most heavily penalised corporate behaviour. Since 2008, global banks have paid over $300 billion in fines. Yet many of these same banks score well on traditional ESG metrics. The gap between a bank's community development marketing and its enforcement record is often staggering — our data makes that gap visible.
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Rankings based on AI-generated analysis of publicly available data. Not financial advice. See our Risk Disclosure for full details.