The United States' wealth gap is a persistent and complex issue. Financial institutions could help chip away at it.

The top 10% of income earners own 69% of the wealth, while the lowest 50% have less than 3%.

President and CEO of Verity Credit Union in Seattle Tonita Webb said the issue is even greater between Black and white Americans.

Black people have a long history of being denied loans from banks and other financial institutions. Webb said the first step is for these institutions to understand what communities need.

"Listening to communities to figure out where their roadblocks are, where they have run into challenges," said Webb, "and be able to work at changing the system based off the feedback and co-create solutions together."

Webb said financially underserved communities have lacked the ability to grow generational wealth, which increases the country's wealth gap over time.

She said institutions could also change the way credit scores are calculated.

Credit scores like FICO are used to determine someone's eligibility for a loan. But Webb said Verity Credit Union has been using an Artificial Intelligence program for the last year to calculate it in a different way.

"It takes into consideration reputation," said Webb, "how long you've been at a job, how you pay your rent on time, and other things that FICO doesn't necessarily capture."

Webb said using this new system, her credit union has seen an increase in lending to people who were previously denied.

She said financial institutions can also shrink the wealth gap by increasing homeownership. Programs that require little or no down payment and assist with interest rates can get more families into homes.

Webb said all of this is personal for her because she came from an underserved community.

"I want to change that for underserved communities," said Webb, "and be able to put families in the position to leave something for their kids to build upon, and that is what we're missing."




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January is National Human Trafficking Prevention Month and educators are training workers in key industries to recognize and report the crime, including energy workers in places like Montana.

Human trafficking is the use of force, fraud or coercion to exploit people for sex or labor.

Lindsey Mattson, director of industry engagement for the group TAT, formerly known as Truckers Against Trafficking, said the industry makes big illicit profits globally, second only to the drug trade.

TAT now trains groups across the transportation sector that are likely to intersect with traffickers including energy workers and people working at truck stops and dealerships.

"We can mobilize millions of people to move from passive bystanders to active disrupters," Mattson explained. "That is really our goal, is to train as many people as possible throughout all transportation industries to truly have an impact on fighting this crime."

Gov. Greg Gianforte and Attorney General Austin Knudsen have prioritized addressing human trafficking in Montana. A 2023 law increased penalties for both traffickers and patrons. The state's Department of Justice worked nearly 130 cases related to trafficking in 2024.

Mattson stressed energy workers are vital eyes and ears on the ground, because they may use the same gas stations and hotels as traffickers. The workers themselves are targeted because they are often stationed in one place.

"They look for concentrations of men housed away from home with purchasing power," Mattson noted. "For the energy industry, something like a work camp or project location."

TAT has trained nearly 2 million professionals to identify and report the crime, including 50,000 energy workers in 43 companies.


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January is National Human Trafficking Prevention Month. In South Dakota, the push to secure justice for Missing and Murdered Indigenous Women remains a priority, but some call for more resources.

This crisis has garnered more attention at the national level in recent years, including the 2023 launch of an outreach program led by federal authorities.

South Dakota is a host district for one of the handful of U.S. attorneys assigned to this effort.

While that extra leadership might be helpful, Tanya Grassel-Kreitlow - a coordinator with the South Dakota Network Against Family Violence and Sexual Assault - said there still isn't enough funding to accelerate meaningful progress.

"We are desperate for funding," said Grassel-Kreitlow, "and without funding, we are not able to provide advocacy to work with the families of the missing, and to work with the potential victims - who we've identified through a lot of factors who have the potential to become missing."

She spoke during a forum last week hosted by the South Dakota Humanities Council. Panel members also said agencies still don't share enough intelligence to prevent crimes.

Funding came up during a Congressional hearing last fall, and a key lawmaker pledged a bigger level of support moving forward.

But it's unclear what that will look like when budget negotiations resume in the spring.

Lily Mendoza is a 2024 Bush Fellow and is the founder of the Red Ribbon Skirt Society out of Rapid City.

She said federal officials have improved their listening efforts when grassroots groups speak out on this issue.

And the Society reports good relationships with local law enforcement - but Mendoza said her team still has to fill in gaps to ensure accountability.

"You know, 'I got a call from a parent. They're concerned about their child. Can you check into this?'' said Mendoza. "So, those systems that the Not Invisible Act is supposed to be putting in place, the grassroots organizations are taking that on."

Mendoza said she does applaud a specialized federal unit, that launched in 2021, that can more freely navigate the country to help look into these cases.

According to federal data, 40% of all victims of sex trafficking are identified as American Indian and Alaska Native women.




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Today is International Human Rights Day, and much attention has been paid to North Dakota's growing refugee population and an assistance group suggested more individuals will resettle here, creating a number of positives.

In the federal fiscal year that recently ended, the organization Global Refuge said North Dakota welcomed more than 280 refugees, nearly double the previous year.

Dan Hannaher, North Dakota field director for the nonprofit, said there is room for more with employers clamoring for individuals to fill open jobs. He emphasized by welcoming new populations and helping them meet basic needs right off the start, local economies function better.

"Whether it's manufacturing, health care, retail, refugee resettlement and immigration is a key to our economic success," Hannaher contended.

Like other support groups, Hannaher stressed there is a difference between illegal immigration and programs allowing foreign-born individuals to seek a new life in America. He pointed out refugees are here legally but are still sometimes disparaged for "looking different."

State officials have prioritized linking new residents with job opportunities and Hannaher stressed as global conflicts evolve, it is likely more people fleeing those areas will need attention here.

Internationally, one of the main themes for this year's Human Rights Day is correcting misinformation and countering disinformation. Hannaher said even as refugees begin carving out new lives and play a role in their communities, some of their neighbors might still be overcoming preconceived notions.

"So often I feel that is the key to our problem is that it's difficult to recognize the unknown and understand it and get to know it," Hannaher observed.

Around the globe, countries taking in refugees have cited the need to address housing shortages as they try to accommodate new populations. North Dakota government has been brainstorming ideas on broader housing needs, with a series of recommendations recently unveiled.


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