We are proud to share our 2025 Year in Review! Together with our community partners, we’ve worked to dismantle financial barriers and build a fairer San Francisco.

OFE examines branch availability across neighborhoods and find that the Fillmore and Japantown are among the areas in San Francisco with meaningfully lower levels of full-service physical banking access. The Fillmore, in particular, is within a broader region that lacks robust bank branch access. This report offers recommendations to community members, policymakers, and financial institutions.

The first findings from K2C’s evaluation show positive and promising effects. K2C increased college enrollment for historically underrepresented students, closing 30% of the gap with historically represented students.

SF Financial Counseling was formerly the Smart Money Coaching program. In 2023, our program became a Financial Empowerment Center (FEC). FECs are a national financial counseling model championed by the Cities for Financial Empowerment Fund. This report reflects on SMC's achievements in its first eight years (2015-2023) and outlines the next chapter of the program’s exciting evolution.

Read our report about the AFTER Program, San Francisco’s new approach to youth restitution.

Read our report on how San Francisco eliminated profits on commissary and the positive impacts of this reform.

Read our report on the one-year evaluation of the Be The Jury Pilot Program, an effort to ensure that juries reflect the economic diversity of San Francisco.

Read our report about the San Francisco Museums for All Program, used over 130,000 times in 2022 by low-income San Franciscans.

Read our report about San Francisco's first-in-the-nation effort to provide a completely free tablet to incarcerated people.

Read our report on the preliminary results of the Be The Jury Pilot Program, an effort to ensure that juries reflect the economic diversity of San Francisco.

This report provides an in-depth look at student loan borrowing in the nine-county San Francisco Bay Area.

In March 2020, K2C launched an equity incentive, called the “I Am the Future” campaign designed to accelerate targeted asset-building for students experiencing the greatest barriers to opportunity. To best reach these students, K2C selected 9 elementary schools from SFUSD’s PITCH initiative, a program aimed at closing the opportunity and achievement gaps for students facing systemic and persistent barriers to equity.