Opinion: Expanding credit access is vital for Harlem and other underserved areas

An op‑ed argues that access to credit remains a critical issue. The piece focuses on Harlem’s residents and similar underserved neighborhoods. Limited credit hampers home ownership and small‑business growth. The author highlights systemic barriers that restrict borrowing. Expanding credit options could spur economic mobility in the area. Community leaders are urged to advocate for fair lending practices. Policymakers are called upon to address the credit gap. The article calls for concrete steps to improve financial inclusion.