Creating Opportunities for Racial Equity (CORE)
Supporting diverse communities through our expertise, products, services, investments and partnerships
CORE Solutions Summit
Moody’s held our second annual CORE Solutions Summit on September 27
Learn more
Minority Depository Institutions: State of Knowledge, Sector Summary, Lending Activity, and Impact, 2010-2022
This major report published by Moody’s CORE partner the National Bankers Association utilizes Moody’s Analytics and RMS data to explore both MDIs and the communities they serve.
Learn More
Fueling economic growth in diverse communities
Moody’s CORE program aims to develop partnerships, share expertise, invest capital and utilize software and services to assist community development financial institutions (CDFIs), minority depository institutions (MDIs), diverse finance companies and diverse asset managers. The program has substantially grown in scope since its beginning in fall 2020.
WATCH VIDEO
Pictured: Program beneficiary Trident and CEO Eric Taylor. Moody’s pledged $5 million to the company’s American Dream Fund that invests in small, minority-owned businesses.

Moody’s Creating Opportunities for Racial Equity (CORE) program sits at the intersection of our values and business goals. We’ve helped address wealth gaps in underserved communities by providing support and building relationships with institutions and businesses that serve these neighborhoods.

We are looking to broaden our impact by expanding the program under three strategic pillars: engage more diverse businesses, empower diverse businesses with information and invest more capital and resources in this work.

ROB FAUBER

Moody's President & Chief Executive Officer

Engage more diverse businesses
Empower diverse businesses with information
Invest more capital and resources

Minority households more likely to experience wealth gaps1

Median net worth of white households was nearly 8 times larger than that of Black households and five times that of Hispanic households in 2019
Median net worth of US households in 2019, by race or ethnicity (in USD)

Diverse financial institutions serve minority communities across the United States2

143 MDIs
with 1,400 branches across the US
170 CDFIs
with 1,100 branches across the US

We believe access to information helps open the door to shared progress

400+ M
companies in Moody’s private company database3
530+ M
economic, financial and demographic time series generated by Moody’s4
47+ K
credit-related research pieces published by Moody’s annually3
Program offerings
Bringing financial and economic opportunities to diverse communities
Moody’s offers an integrated risk framework to ensure customers are considering the numerous elements of risk management – and through CORE we can provide expertise, products and services to help diverse financial institutions and businesses grow and prosper. Learn more about the data, research, education and consulting we provide through CORE to help these organizations navigate difficult business challenges.
How can Moody’s software help improve your origination/lending process or calculation of non-financial risks?
What are the various financial and non-financial risks that may impact your business?
Are your employees up-to-date and trained on important topic areas like credit risk and cyber security?
GET IN Touch to learn more
Data & Research
Risk Assessment
Solutions
Data
From local and regional economic data to payment behavior information, Moody’s provides critical decision-making data to answer questions like:
  • Where should I focus regionally to grow my business?
  • What financial and contact information is available about my potential suppliers and counterparties?
  • What industries will produce significant growth in my region in the upcoming year?

Precis State & Metro Reports

Precis® reports provide expert insight on the key drivers and trends shaping macroeconomic performance for countries/jurisdictions, global cities, and all U.S. states and metropolitan areas. Each Precis® report examines the economy's recent performance, key drivers, outlook and risks, with forecasts and charts in a concise, easy-to-use format.
  • Individual Report
  • All Reports: States
  • All Reports: Metro Areas
learn more

U.S. Forecast Databases

Moody's is a trusted leading provider of economic and financial forecasts for the U.S. and its states, metropolitan areas, and counties. National and regional forecasts are fully transparent, documented, and backed by practices to ensure stability and consistency with the current business cycle.
  • U.S. Macro/Financial Forecast Database
  • State Forecast Database
  • Metro Area Forecast Database
learn more
Research
It becomes more critical every day to know your customer and industry trends. Moody’s provides a comprehensive view into credit markets, access to credit experts and their tools and the latest ESG impact to answer questions like:
  • How similar is the financial profile of my counterparty to its peers or similar companies?
  • What are the credit experts’ opinions on the credit worthiness of my supplier / borrower?
  • What will be the impact of the transition to net neutrality for my counterparties?

Economic View

To manage their businesses effectively, banks, investors and other professionals must account for changing economic conditions. Economic View provides a single source for analysis of 250+ global macroeconomic indicators, cyclical and structural economic developments, and financial market performance.
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Risk Assessment
Moody’s trusted insights can help decision-makers navigate global markets.

Indicative Rating

A confidential, unpublished, unmonitored, point-in-time opinion of the potential credit rating(s) of an issuer or a proposed debt issuance by an issuer contemplating such a debt issuance at some future date
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Solutions
We can help answer questions like:
  • Do you have a view into how your customers view your organization in terms of the supply chain risk you present?
  • How do you assure your board, customers, shareholders and other stakeholders that you have strong cyber security performance?
  • How do you drive accountability for cyber security performance across your whole organization?
learn more
Program testimonials
We’re proud to bring financial opportunities to our customers and help their communities achieve growth. Learn what customers, community partners, and others are saying about the CORE program.

Having the right partnerships with organizations like Moody’s allows Trident to identify and invest in Main Street small businesses, where other firms may not believe opportunities exist. The result is better returns for investors, better outcomes for underserved communities, and better chances for overlooked entrepreneurs to achieve the American Dream.

Eric Taylor

Founder, CEO & CIO
Trident

Moody's empowers customers to make better, faster business decisions, and it's important we bring our insights to institutions that can empower diverse communities. I'm delighted that we're creating opportunities for racial equity through CORE and look forward to helping build out the program.

Diya Sawhny

MD – Acquisition Programs
Moody's Analytics

Nicole Elman

President & CEO
NBA

Hear more about our journey to launch and the impact of CORE by watching this interactive panel interview featuring...
  • Rob Fauber, Moody’s President & Chief Executive Officer
  • Tameka Alsop, Managing Director, Chief of Staff to the CEO & CORE Executive Sponsor
  • Greg Robinson, Head of Market Intelligence for Moody’s Analytics & CORE Program Lead
  • Brittany Maulo, Vice President, Strategic Planning
WATCH VIDEO
News, research & resources and Events
Explore our latest CORE program news, research & resources,
and learn about our events
To access our research, please sign up for a Moody’s account.
News, Research & Resources
15 NOV 2023
Moody's Corporation
Moody’s CORE to be honored by the Greater Jamaica Development Corporation
Moody’s CORE will be among the honorees at the GJDC Anniversary Gala
19-20 OCT 2023
National Bankers Association
Moody’s CORE at the National Bankers Association Annual Conference
Moody’s sponsored, and Moody’s Analytics Acquisitions and Market Intelligence Managing Director Greg Robinson spoke at, the NBA’s 2023 event.
31 MAY 2023
National Bankers Association
Minority Depository Institutions: State of Knowledge, Sector Summary, Lending Activity, and Impact, 2010-2022
This major report published by Moody’s CORE partner the National Bankers Association utilizes Moody’s Analytics and RMS data to explore both MDIs and the communities they serve.
9 Dec 2022
Global Association of Risk Professionals
Risk Managers’ Role in Expanding DEI Opportunities
Minority-owned businesses offer financial institutions an excellent chance for expansion and for improved return on investment, but insufficient performance data remains a major stumbling block. Moody's Analytics Deputy Chief Economist Cristian deRitis explores how risk practitioners can bridge this gap by patching holes in insensitive credit models and enhancing data collection and analysis.
01 Jul 2022
Moody's Investors Service
Community Banks – US: Q1 2022 Quarterly Update: Profitability waned but credit fundamentals remain robust
US community banks' first-quarter 2022 profitability declined from Q4 2021 because of lower noninterest income while net interest margin (NIM) and noninterest expenses remained under pressure.
23 Jun 2022
Moody's Corporation
Moody's expands committment to diverse businesses and communities through Creating Opportunities for Racial Equity (CORE)
Moody's Corporation announced today the launch of Creating Opportunities for Racial Equity (CORE), expanding its commitment to bringing financial prosperity to multicultural communities.
30 Nov 2021
Retail Banker International
Carver partners with Moody's Analytics to use CreditLens solution
Carver Federal Savings Bank (Carver), a certified minority depository institution (MDI), has signed an agreement with Moody’s Analytics to increase its loan production to its client base.
12 Oct 2021
Business Wire
Moody's Tameka Alsop joins Trident American Dreams Advisory Board
Trident has announced the creation of the Trident American Dreams Advisory Board with luminaries representing the community and public and private sectors.
06 OCT 2021
Moody's Analytics
The Macroeconomic Benefits of Racial Integration
During the COVID-19 pandemic, the nation’s longstanding racial inequities have been laid bare. The health and finances of families of color have been disproportionately hurt and racially charged civil strife has wracked much of the nation.
Moody's DE&I
Moody’s is committed to a diverse, equitable and inclusive culture where we celebrate the differences that make us stronger.
Moody's Sustainability
Learn about Moody’s efforts to build a Better Business, support Better Lives, and offer Better Solutions.
Moody's Community Impact
We are helping to build toward a world where more people have access to opportunity and where everyone has the resources to grow and thrive.
Events
03 Oct 2023
Event
CORE Solutions Summit
Moody’s held our second annual CORE Solutions Summit on September 27
19 Jul 2023
Event
CORE Office Hours
Moody’s & BitSight: Partnering to empower the market to make better, informed decisions about cyber risk
05/09/2023
Event
CORE Conversation Series
For the first of two planned series events in 2023, Moody’s held the webinar, “A Look into the Importance of Cybersecurity Frameworks”
15 Feb 2023
Event
CORE Office Hours
During our first live CORE Office Hours, Robert Farrer of Moody’s Analytics provided an overview and demo of our Data Buffet platform.
2 Nov 2022
Event
CORE Solutions Summit
Save the Date for our 2nd annual Summit on September 27. Explore our first Summit from 2022
25 Jul 2022
Event
Digital Equity: The Power of Technology & Sustainable Infrastructure
During our second CORE Conversations Series event, expert panelists shared insights about the positive impact on diverse communities when emerging managers and diverse businesses access modern technology and infrastructure to grow and scale their businesses.
18 May 2022
Event
The Power of Capital: Access and Impact
During our first CORE event guests heard from an expert group of panelists, who shared insights about the positive impact on diverse communities when emerging managers and diverse businesses access capital to grow and scale their businesses. Watch the event here.
Advisory board members
No items found.
Sources for Moody's CORE by the numbers:
1  The Macroeconomic Benefits of Racial Integration, Moody's Analytics, 06 October 2021
2  MDI and CDFI Bank Headquarters and Branches Locator, Federal Deposit Insurance Corporation (FDIC)
3  Moody's by the Numbers, Moody's / What We Do
4  Community Banks – US: Q4 2021 Quarterly Update: Solid Performance Despite Higher Expenses, Muted Loan Growth And Low Rates, Moody's Investors Service, 03 March 2022
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