Written in collaboration with Americans for Financial Reform and the Hip Hop Caucus, this paper focuses on financial system access—opening bank accounts, using digital platforms, securing credit, and building wealth. It illustrates how reentry must be understood not only through the lens of criminal punishment but also through systemic financial exclusion. The co-production of harm by legal systems (policing, bail, sentencing) and financial systems (predatory lending, debt surveillance, credit scoring) uniquely impacts Black and Brown communities by criminalizing poverty and enforcing exclusion from economic life.