We have a long history in America of institutions and public systems that do not serve all members of the public equally. As Erin Kilmer-Neel shares on this episode of Power Station, the financial services industry, banks in particular, have routinely failed to approve loan applications for small businesses and mortgages from borrowers of color on par with their white counterparts. Perceptions of unworthiness is rooted in a well-documented history of racism in public and corporate policymaking. As executive director of the Beneficial State Foundation, the nonprofit that owns and partners with Beneficial State Bank, an equity-driven enterprise, Erin is powering a movement to unlearn the biases that undergird perceptions of risk and reimagine policies and practices that meet the capital needs of borrowers of color. Take Underwriting for Justice, an initiative that is upending racially discriminatory lending norms. It is engaging banks in signing on to methodologies that lead to systemic yeses. Erin is a bright light in the ongoing campaign to bridge the social equity and banking worlds. She credits the vision of Beneficial Bank co-founders Tom Steyer and Kat Taylor in creating an institution that builds power within, instead of extracting from, the communities it serves.