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The Empower Hub, a forward-thinking initiative of Girlfriends Who Inspire Change, was created to shift mindsets from government dependency to true self-sufficiency.
Instead of viewing government programs as the primary safety net, we empower individuals to understand the economic systems that shape their everyday lives, including how platforms like the Federal Reserve influence financial stability, inflation, employment, and personal purchasing power.
Our mission is simple yet transformative:
Equip women and communities with the education, tools, and confidence needed to control their own economic destiny.
Through the Empower Hub, we focus on:
By cultivating economic awareness, enhancing financial skills, and promoting independent wealth-building, the Empower Hub positions participants to rise above uncertainty, rather than wait for government intervention.
We believe that economic power belongs to those who understand how the system works. That is why we champion programs that prepare individuals to navigate markets, build multiple income streams, strengthen financial resilience, and make informed decisions that reflect confidence rather than fear.
Through strategic partnerships and real-world education, the Empower Hub ensures that all voices, especially women, are included in shaping a more equitable financial future. Our goal is to help every participant unlock their potential, step into economic independence, and build a legacy that is not controlled by circumstance, but by choice.

Girlfriends Who Inspire Change (GWIC) were selected to give oral comments on the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA) virtual public outreach meeting hosted by the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation. The meeting was scheduled for September 16th, 2024.
This outreach meeting, a pivotal part of the agencies’ efforts to review their regulations every ten years consistent with EGRPRA, is an opportunity for interested stakeholders to shape the regulatory landscape. The six categories reviewed of rules listed in the first two Federal Register notices: Applications and Reporting; Powers and Activities; International Operations; Consumer Protection; Directors, Officers, and Employees; and Money Laundering.
Our concerns were centered around our recent experience and observations. One of the concerns was the Community Reinvestment Act (CRA), a federal regulation that supports low—and moderate-income individuals in the banking industry. Access to loans(capital), whether business, cars, personal(credit cards), or homes.
The question asked. How do they measure the bank's acceptance of low and moderate-income individuals' access and enforce compliance with the banking institutions regarding the (CRA)?
Published Updated: October 9th, 2024
Girlfriends Who Inspire Change

The Federal Deposit Insurance Corporation (FDIC), a critical regulatory body in the banking industry, issued a press release on October 3rd, 2024. It announced the recent evaluation of state nonmember banks for compliance with the Community Reinvestment Act (CRA), a responsibility it takes seriously. FDIC Issues List of Banks Examined for CRA Compliance
In conclusion, here is a list of financial institution performance ratings provided by the FDIC that should comply with the CRA. The CRA, designed to support low—and moderate-income individuals, is a crucial tool in ensuring fair and equal access to banking services. It helps you understand who is obligated to do business with you based on your socio-economic class.
Published: October 9th, 2024
Girlfriends Who Inspire Change
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