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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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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Ohio voters are facing significant challenges at the ballot box, with some groups expressing concerns over voter roll purges and gerrymandering affecting representation, particularly in Black and other communities of color.

The issues draw attention to Ohio's "use it or lose it" policy.

Molly Shack, executive director of the Ohio Organizing Collaborative, said the policy affects marginalized groups more than others. She explained some voters, especially in underserved communities, may feel disappointed by a system when it does not meet their needs, resulting in fewer people voting and a higher chance of them being removed from the voter rolls.

"Ohio has purged literally millions of voters over the last decade and most recently, close to 160,000," Shack pointed out. "Those are policies that allow voters to be removed from the rolls not because they are ineligible citizens who can't constitutionally cast a ballot but because they haven't voted in a while."

Critics like Shack argued Ohio's current electoral practices contribute to voter suppression, disproportionately affecting low-income individuals, working-class citizens, voters of color and young voters, especially in districts already burdened by participation barriers.

Advocates also expressed concern about Ohio's persistent gerrymandering issues.

Bria Bennett, communications director for the Ohio Organizing Collaborative, asserted such practices dilute Black voter influence by packing and splitting urban areas, a tactic known as "cracking and packing."

"When we're thinking about gerrymandering, many times, that dilutes the Black vote," Bennett observed. "So think of your urban centers, you're packing all your votes into one area so that, yes, that voting block is together. However, it is diluting it everywhere else."

As Ohio voters prepare to decide on Issue One, supporters see the measure as a crucial step toward a fairer, more representative democracy.

Advocates for a voter bill of rights, currently stalled in the Supreme Court, continue to raise awareness about the barriers faced by some communities, emphasizing the need for comprehensive voting reforms to ensure access across the state.


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Through this Saturday, Minnesota is recognizing Workplace Rights Week.

From COVID precautions to emerging technology, labor voices said there is key information some workers might not be aware of. Over the past year, Minnesota has phased in new laws such as earned sick-time requirements, which mandate one hour of fully paid sick time for every 30 hours worked.

Jeff Ambroz, director of development and communications for the Minnesota Training Partnership, said as COVID activity continues to circulate and with the cold and flu season almost here, workers should know the requirement is expansive.

"This isn't only sick time for yourself," Ambroz pointed out. "It's time that you can use to care for a sick family member, to get help if you are a victim of domestic abuse or stalking."

Workers are also encouraged to see if they can use their earned time for things such as vaccination appointments. Ambroz noted workplace environments are constantly changing with new equipment and technology. He recommended staff should maintain conversations among each other, elected officials and, if applicable, union representatives in the event such changes harm a workplace setting.

Over the summer, Minnesota also implemented a change to expand penalties and legal options in cases where a company misclassifies an employee as an independent contractor.

John Swanson, political coordinator for the International Brotherhood of Electrical Workers Local 343, said these have long been pervasive issues, especially in the construction trades.

"(These are) some things that should be common sense," Swanson contended. "But we have to have laws now to protect people from being taken advantage of."

Labor leaders said a misclassified worker can miss out on things such as health coverage and overtime pay. Other misclassification provisions specifically dealing with the construction sector go into effect next March.


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