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The Credit Journey of Lower-Income Households
In 2025, the St. Louis Fed’s Community Development staff convened 12 roundtable discussions about financial well-being. Representatives from banks, nonprofits, small business development centers, community development corporations and chambers of commerce participated.
Participant contributions at these roundtables provided on-the-ground insights about how low- and moderate-income people interact with institutions to access financial services.
This analysis builds on a report that includes additional findings from the roundtable conversations.
Participant contributions at these roundtables provided on-the-ground insights about how low- and moderate-income people interact with institutions to access financial services.
This analysis builds on a report that includes additional findings from the roundtable conversations.
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