The Equal Credit Opportunity Act (ECOA) offers creditors a powerful tool for addressing lending disparities for historically underserved groups: Special Purpose Credit Programs (SPCPs). SPCPs provide a targeted means for creditors to meet special social needs and benefit economically...

Income Share Agreements (ISAs) have been touted as a solution to the recent staggering increases in student debt. That debt crisis is a civil rights crisis. On average, Black Americans have more student debt, which they face against a backdrop of stark disparities in wealth, income, and related...