This Landmark Bill Marks A Major Step Forward In Addressing Economic Abuse In The U.S.

Today, Rep. Nydia Velázquez (NY-7) and Sen. Smith (MN) have introduced a bill that will allow the U.S. for the first time to gather data on economic abuse occurring within banks and other financial institutions. 

The bill would create a working group to:

  1. study and report on economic abuse happening within banks and other financial institutions and
  2. provide recommendations for how financial institutions can better support and protect their survivor customers. 

This new source of data will help us better understand economic abuse and how to keep survivors’ finances safe. 

74% of survivors – approximately 48.8 million people in the U.S. – lack access to a secure bank account, with 58% reporting that a harm-doer has accessed, monitored, withdrawn from, or otherwise controlled their bank account,” said Sonya Passi, Founder and CEO of FreeFrom. “Without safe access to their own finances, the path to long-term safety remains difficult and dangerous for survivors. We commend Rep. Velázquez and Sen. Smith for spearheading this effort to address economic abuse occurring within banks and other financial institutions. This legislation has the potential to support millions of survivors and their families across the U.S. in building and protecting the assets they need to heal, rebuild, and thrive.

We’re so grateful for Rep. Velázquez and Sen. Smith’s leadership in introducing this landmark bill and championing survivors’ financial security in Congress.

What is Economic Abuse?

Economic abuse occurs when a harm-doer controls, regulates, monitors, or depletes a survivor’s financial resources. Some examples include stealing a survivor’s personal property, hiding money or financial information, or controlling access to bank accounts.

Celebrating Our 7-Year Anniversary

The Wins

As FreeFrom turns seven, we have been reflecting on what we’ve accomplished: 

  • We have disbursed over $2MM in more than 8,800 emergency cash grants directly to survivors in all 50 states and Puerto Rico through our Safety Fund;
  • We have supported 1,600+ survivors and counting in collectively saving over $600K through our national Savings Match Program;
  • We built a growing social enterprise, Gifted, that has generated over $2.5MM in income for survivors through entrepreneurship and living wage work;
  • We are supporting survivors and advocates in their local efforts to pass survivor-centered legislation in 12 states (red and blue) and counting. Approximately 5.3MM survivors have greater access to and protection of their financial security as a result;
  • As a result of our advocacy, 315,000 workers now have access to paid and protected gender-based violence leave; and
  • We have published first-of-its-kind data, filling the gap in our societal understanding of the true cost and longevity of the effects of abuse. Driving the national conversation about what survivors need to thrive, our reports and original research have been cited by federal agencies, cities, states, and the Biden-Harris Administration.

Our Guiding Principles

Over the last seven years, our work has been guided by the following four principles: 

  • Survivors know best what we need;
  • Investing in survivors is the key to disrupting gender-based violence and the dangers it subjects our entire community to;
  • Everyone in our society – every institution, every community, and every individual – has a part to play in addressing this systemic problem; and 
  • The health and well-being of our FreeFrom team comes first for us. All change starts from within, and we are committed to the continuous process of building and sustaining a workplace in which we all can thrive. 

Thank You

Thank you for being with us on the journey. We all have a part to play in creating a world in which we are all free. It is an honor to be in community with you and do this work alongside you.

Here’s to the next 7 years together,

Sonya 
Founder & CEO

How To Get Involved

1. Shop Gifted

Healing is incredibly expensive. If we want to end the generational impact of intimate partner violence, we need to invest in survivor wealth. When you shop at Gifted, you are investing 100% of your money in survivors. Explore our holiday collection to treat your loved ones or yourself this winter season.

2. Help us secure a matching grant

This holiday season, FreeFrom has an incredible matching opportunity that we don’t want to miss out on. If we raise $300,000 by the end of the year, it will be matched dollar for dollar by a generous donor. This is a raise it or lose it challenge – only if FreeFrom raises the full $300,000 do we get the match. We are halfway there, and with your help, we can reach our goal. 

Every dollar raised will be given out directly to survivors as cash either as emergency grants to support their immediate needs or as a savings match to invest in their long-term safety. And, your donation is 100% tax deductible.

We’ve Made Updates To The Scorecard

Thank you so much for signing up to get updates on FreeFrom’s National Survivor Financial Security Policy Map and Scorecard. We’ve been busy adding 7 NEW policy categories and fine-tuning a few of the current ones!

Our New Policy Categories

  • Spousal support exemption
  • Guaranteed income
  • State tax filing protections
  • Services and protection for undocumented survivors
  • Health insurance accessibility
  • Access to the state’s policymaking process
  • State tax credits

Our Updated Categories

Economic Abuse Defined in State Laws

Added model policy characteristics: 

  • The state’s definition includes controlling, regulating, and depleting a survivor’s financial resources;
  • The state’s definition includes damaging a survivor’s credit or ability to obtain credit; and 
  • The state’s definition includes preventing a survivor’s access or ability to access financial resources and other resources including the ability to work and/or ability to pursue education or job training.

Safe Workplaces

Added model policy characteristics: 

  • Employers are prohibited from requiring survivors or job applicants in general to include credit report information on job applications.

Supplemental Nutrition Assistance Program Accessibility 

Added model policy characteristics: 

  • All applicants are required to receive information about special considerations and exemptions for survivors; and
  • Case managers are required to provide special considerations to survivors.

Temporary Assistance for Needy Families Accessibility 

Added model policy characteristics: 

  • All applicants are required to receive information about special considerations and exemptions for survivors; and
  • Case managers are required to provide special considerations to survivors.

Coerced and Fraudulent Debt Protections

Added model policy characteristics: 

  • The state’s definition of identity theft includes coerced and fraudulent debt and economic abuse

Rental Protections

Added model policy characteristics: 

  • Survivors are eligible for early lease termination regardless of whether a known harm-doer is on the rental lease agreement;
  • Eviction protections remain in place regardless of whether a known harm-doer has entered the property and/or rental unit; and
  • Landlords are held liable to the tenant for any damages resulting from violating rental protections stated in the law.

Added adverse policy characteristics: 

  • Frequent calls to law enforcement or complaints related to IPV incidences label a property as a “public nuisance”.

Are you interested in partnering with us to pass legislation in your state? Contact Sabrina Hamm (she/her), our Director of State Policy and Advocacy at sabrina.hamm@freefrom.org.

Big Wins And Opportunities In State Policy

When we started evaluating states on our National Survivor Financial Security Policy Map and Scorecard in 2021, the majority had a lot of work to do to prioritize supporting survivors’ financial security in state laws. In the two years since we launched the tool, we’ve seen a huge growth in policy work in state legislatures. Between 2021 and 2023, over 500 bills related to survivors’ financial security were introduced in state legislatures. 

So far this year, 10 bills have been signed into law, creating new pathways to financial security and recovery from economic abuse, even in the most unlikely states: 

  • Idaho now allows survivors to be eligible for unemployment insurance;
  • Minnesota created a paid family and medical leave policy that includes safe leave for survivors; 
  • New Jersey expanded sick leave policy, that includes safe leave for survivors, to school district employees;
  • North Dakota, Rhode Island, and Vermont established litigation abuse protections;
  • Tennessee now has the most robust definition of financial abuse in the nation; and
  • Utah allows a survivor who terminates a rental lease early to not be held to additional fees or future payments.

Here are four areas where we’re seeing the most momentum:

Litigation Abuse:

  • Vermont, Rhode Island, and North Dakota have all passed and signed into law litigation abuse protections for survivors, and Massachusetts has introduced legislation on this topic.
  • Rhode Island’s bill has among the most robust protections: in addition to preventing a harm-doer from abusive litigation and requiring them to pay associated attorney’s fees, the harm-doer will be ordered to pay additional damages such as transportation costs, lost wages, and childcare incurred due to the abusive litigation. Further, after a harm-doer is found to have conducted abusive litigation, for 5 years, the harm-doer will be given strict pre-filing instructions that require additional proof/standing for filing a motion. 

Economic Abuse:

  • We had a big win earlier this year when Tennessee became the third state to include economic abuse in its definition of domestic violence (making TN the state with the most robust definition of domestic violence in the US!).
  • Following this, both New Jersey and New Hampshire have introduced expansions to their state’s definition of domestic violence. NJ’s will include coercive control, and NH’s will include economic abuse.

Rental Protections for Survivors:

  • Six states – Pennsylvania, New Jersey, New Hampshire, Rhode Island, Massachusetts, and Arizona – have all introduced bills related to rental protections for survivors.

Coerced debt protections:

  • Following our win in California on the same issue last year, four other states – North Carolina, Connecticut, Minnesota, and New York – have all introduced bills that would allow a survivor to provide documentation to prove a debt was coerced and no longer be held liable to pay down that debt.
  • Read more about the California bill in The Guardian

We all have a role to play in taking on a systemic issue like gender-based violence, and we’re going to need to put forward many solutions to create a safer, more abundant world for us all. We’re thrilled that policymakers across the country are heeding the call and joining us in this work to make healing and long-term safety accessible for all survivors. 
 

Join FreeFrom’s Savings Matching Program / ¡Regístrese! Al programa FreeFrom, Crece tus Ahorros

Are you a survivor interested in growing your savings? Do you have at least $40 a month to put towards your savings? FreeFrom is once again accepting new participants into our Savings Matching Program! We would love to join you on your savings journey and match you up to $40 a month PLUS a $20 end of program bonus. Apply today to join our Savings Matching Program!

Our Goal
Help survivors to grow a savings cushion of $500.

How It Works
Our Savings Matching Program is a trust-based savings matching program. Participants will self-report their savings each month and FreeFrom will match up to $40 a month for six months. PLUS a $20 end of program bonus on top of your last matching payment.

When does enrollment begin?
Starting today, you can join the waitlist to begin your enrollment into the program!

When will the program begin?
The program will officially begin August 1st. This enrollment period will remain open until 6/14 or until we reach the number of open spots available. However, if you are unable to join in time, the initial intake survey will remain open and you can fill out the survey to secure your spot for future open enrollments.

Is now the right time for you to participate? 

  1. Are you at least 18 years old?
  2. Are you located within the U.S.?
  3. Are you able to save an average of $40 each month for at least six months at this current time?  (You are not required to save $40 each month but this amount can help you to make the most out of participating in this program)
  4. Do you have access to an internet connection via your smartphone/tablet/computer to fill out a monthly survey that will document how much you saved each month?
  5. Do you have a safe way to store your savings? (e.g. perhaps you are moving around and you may not have a secure place to keep your money and track your savings)
  6. Are you able to safely receive your monthly matches via PayPal, Venmo, direct deposit to a bank account, or check in the mail?

If you answered no to any of these questions, it may be best to wait until you are able to answer yes with certainty to all six questions.

We want this program to be as beneficial as possible for you and it is perfectly fine if right now is not the best time. We offer different enrollment periods and we will be here when you are ready and able to participate.

Next steps:

  1. Fill out the initial intake survey to secure your spot by 6/14 here: English, Spanish
  2. Attend one of our webinar sessions in either English or Spanish. We will be hosting a webinar on Wednesdy, July 26th at 11am PST in English and 1pm PST in Spanish, that will provide an overview of our Savings Matching Program. Register below to attend!

¿Es un sobreviviente interesadx en aumentar sus ahorros? ¿Tiene al menos $40 al mes para poner en sus ahorros? ¡FreeFrom está aceptando nuevxs participantes en nuestro Programa de Ahorros! Nos encantaría apoyarle en su viaje de ahorros, e igualarle hasta $40 por mes MÁS un bono de $20 al fin de programa.

Nuestro objetivo
Ayudar a sobrevivientes a obtener ahorros de $500.

Cómo funciona
Nuestro Programa de Ahorros está basado en la confianza mutua. Lxs participantes reportan sus ahorros cada mes y FreeFrom igualará la cantidad de ahorros hasta $40 por mes durante seis meses. ADEMÁS participantes recibirán un bono de $20 al final del programa.

¿Cuándo comienza la inscripción?
¡A partir de hoy, puede inscribirse en nuestra lista de espera para comenzar el proceso de inscribirse al programa!

¿Cuándo comienza el programa?
El programa comenzará oficialmente el 1 de agosto. Este plazo de inscripción permanecerá abierto hasta el 14 de junio o hasta completar el número de lugares disponibles. Sin embargo, si no puede apuntarse a tiempo, la encuesta de lista de espera permanecerá abierta y podrá asegurar su lugar para cuando se abra la inscripción de nuevo.

¿Es el momento adecuado para que usted participe?

  1. ¿Tiene al menos 18 años de edad?
  2. ¿Está ubicado en los EE.UU?
  3. ¿Puede ahorrar un promedio de $40 al mes durante al menos seis meses en este momento? (No es necesario ahorrar $40 al mes, pero esta cantidad puede ayudarle a aprovechar el programa al máximo)
  4. ¿Tiene acceso al internet a través de su teléfono/tableta/computadora para completar una encuesta mensual que documentará cuánto ahorró cada mes?
  5. ¿Tiene una forma segura de guardar sus ahorros? (por ejemplo, tal vez se está mudando y es posible que no tenga un lugar seguro para guardar su dinero o mantenerse al tanto de sus ahorros)
  6. ¿Puede recibir sus pagos mensuales de forma segura a través de PayPal, Venmo, depósito directo en una cuenta bancaria o cheque por correo?

Si respondió no a cualquiera de estas preguntas, le sugerimos que se espere hasta que pueda responder “si” y con certeza a las seis preguntas.

Queremos que este programa sea lo más beneficioso posible para usted y está perfectamente bien si ahora mismo no es el mejor momento para comenzar. Ofreceremos más plazos de inscripción en el futuro y estaremos aquí cuando esté listx y pueda participar.

Próximos pasos

  1. Complete la encuesta de admisión inicial para asegurar su lugar antes del 14 de junio aquí: https://bit.ly/FFahorros23  
  2. Asista a una de nuestras sesiones de web en inglés o español. Tendremos las sesiones el 26 de julio a las 11 am PST (inglés) y a la 1 pm PST (español), que proporcionarán una descripción general de nuestro Programa de Ahorros. ¡Regístrese para asistir!

Join FreeFrom’s Savings Matching Program / ¡Regístrese! Al programa FreeFrom, Crece tus Ahorros

Are you a survivor interested in growing your savings? Do you have at least $40 a month to put towards your savings? FreeFrom is once again accepting new participants in our Savings Matching Program! We would love to join you on your savings journey and match you up to $40 a month PLUS a $20 end of program bonus. Apply today to join our Savings Matching Program!

Our Goal

Help survivors to grow a savings cushion of $500.

How It Works

Our Savings Matching Program is a trust-based savings matching program. Participants will self-report their savings each month and FreeFrom will match up to $40 a month for six months. PLUS a $20 end of program bonus on top of your last matching payment.

When does enrollment begin?

Starting today, you can enroll in the program! 

When will the program begin?

The program will officially begin November 1st. This enrollment period will remain open until 10/14 or until we reach the number of open spots available. However, if you are unable to join in time, the initial intake survey will remain open and you can fill out the survey to secure your spot for future open enrollments!

Is now the right time for you to participate? 

  1. Do you have spare income to save $40 each month for at least six months? 
  1. Do you have access to an internet connection via smartphone/tablet/computer to fill out a monthly survey?
  1. Do you have a safe way to store your savings? (e.g. perhaps you are moving around and you may not have a secure place to keep your money and track your savings)
  1. Do you have a safe way to receive your monthly matches (e.g. PayPal, Venmo, address we can send a check, bank account)?

If you answered no to any of these questions, it may be best to wait until you are able to answer yes with certainty to all four questions.

We want this program to be as beneficial as possible for you and it is perfectly fine if right now is not the best time!

Next steps:

  1. Fill out the initial intake survey to secure your spot by 10/14 here: bit.ly/FFsaving
  2. Watch one of our previously recorded webinar sessions in either English or Spanish. We hosted a webinar in August in both English and Spanish, that provided an overview of our Savings Matching Program. Although some dates mentioned are only relevant to the audience in August, there is helpful information to give you a greater understanding of how to get the most out of the program. You can view the videos by following the links below:
    1. English: https://youtu.be/wVw9WiDMLz0
    2. Spanish: https://www.youtube.com/watch?v=BiJSIhy51Kk

¿Es un sobreviviente interesadx en aumentar sus ahorros? ¿Tiene al menos $40 al mes para poner en sus ahorros? ¡FreeFrom está aceptando nuevos participantes en nuestro programa llamado Crece tus Ahorros! Nos encantaría apoyarle en su viaje de ahorro e igualarle hasta $40 por mes MÁS un bono de $20 al fin de programa.

Nuestro objetivo

Ayudar a sobrevivientes a obtener ahorros de $500.

Cómo funciona
Nuestro programa Crece tus Ahorros es un programa de ahorros donde confiamos en la informacion que nos brinde. Lxs participantes reportan sus ahorros cada mes y FreeFrom igualará la cantidad de ahorros, hasta $40 por mes durante seis meses. ADEMÁS le vamos a proporcionar un bono de $20 al final del programa.

¿Cuándo comienza la inscripción?

¡A partir de hoy, puede inscribirse en el programa! 

¿Cuándo comienza el programa?

El programa comenzará oficialmente el 1 de noviembre. Este plazo de inscripción permanecerá abierto hasta el 14 de octubre o hasta completar el número de lugares disponibles. Sin embargo, si no puede apuntarse a tiempo, la encuesta permanecerá abierta y puede completar la encuesta para asegurar su lugar para cuando se abra la inscripción de nuevo.

¿Es el momento adecuado para que usted participe?

  1. ¿Tiene ingresos adicionales para ahorrar $40 cada mes durante al menos seis meses?
  2. ¿Tiene acceso a una conexión de internet a través de un teléfono celular / tableta / computadora para completar una encuesta mensual?
  3. ¿Tiene una forma segura de guardar sus ahorros? (por ejemplo, tal vez se esté mudando y no tenga un lugar seguro para guardar su dinero y ahorros)
  4. ¿Tiene una forma segura de recibir su pago de igualación de ahorros mensuales (por ejemplo, PayPal, Venmo, dirección a la que podemos enviar un cheque, cuenta de banco)?

Si respondió no a cualquiera de estas preguntas, le sugerimos que se espere hasta que pueda responder afirmativamente y con certeza a las cuatro preguntas.

Queremos que este programa sea lo más beneficioso posible para usted y está perfectamente bien si ahora mismo no es el mejor momento para comenzar. Habra posibilidades de empezar en otro mes.

Próximos pasos

  1. Complete la encuesta de admisión para asegurar su lugar antes del 14 de octubre aquí: bit.ly/FFahorros
  2. Mire una de nuestras presentaciones de webinar grabadas previamente en inglés o español. Grabamos un seminario web en agosto, tanto en inglés como en español, que brindó una descripción general de nuestro Programa de Ahorros. Aunque algunas fechas mencionadas sólo son relevantes para la audiencia en agosto, hay información útil para brindarle una mejor comprensión de cómo aprovechar al máximo el programa. Puede ver los videos siguiendo los siguientes enlaces:
    1. Inglés: https://youtu.be/wVw9WiDMLz0
    2. Español:  https://www.youtube.com/watch?v=BiJSIhy51Kk

TWO NEW REPORTS: Support Every Survivor + Before and Beyond Crisis 

Today, we are excited to share one of our biggest projects to-date: a report and roadmap grounded in first-of-its-kind data on how race, ethnicity, sexuality, gender and disability status shape survivors’ experiences and needs. 

In November 2020, we launched the second round of our Safety Fund and prioritized distributing grants to queer, trans, Black, Indigenous, and Latinx survivors. We sent $534K in cash to more than 2,100 survivors across the country and surveyed them to learn about what they need to get and stay safe, heal, and thrive. 

We detail what we learned in our latest report, Support Every Survivor: How Race, Ethnicity, Gender, Sexuality and Disability Shape Survivors’ Experiences and Needs. The report expands the available data on:  

  • survivors’ finances, particularly how the pandemic impacted them; 
  • how survivors’ intersecting identities affect their experiences and the harm they’ve been subjected to; and  
  • survivors’ needs, their goals, and what resources will enable them to achieve success, including what alternatives to police would most help survivors feel safe and supported. 

We also have an audio version of the full report available on: 

Here’s What We Learned: 

  • 92.3% of survivors reported being subjected to economic abuse, and 36.5% reported that the economic abuse they’ve been subjected to got worse during COVID-19. 
  • Survivors’ financial well-being is in the bottom 10th percentile for adults in the U.S. 
  • The median amount of money survivors report having is $175.50, and the median savings they report having is $0
  • Survivors who are not cisgender reported being subjected to an average of 9.5 types of harm, compared to survivors who are cisgender who reported an average of 6.1 types of harm.
  • Disabled survivors are subjected to almost 2x the types of systemic harm that survivors without a disability are subjected to.
  • 80.1% of queer survivors have been subjected to sexual assault, a rate that is 2.1x that of heterosexual survivors. 
  • 82.6% of survivors who are genderqueer/genderfluid reported they put off seeing a healthcare/healing practitioner due to COVID-19, a rate that is 1.8x that of cisgender survivors. 
  • 44.9% of Indigenous survivors and 32.5% of Black survivors have been subjected to police harassment/brutality, rates that are 2.7x and 1.9x that of white survivors, respectively.
  • Only 38.5% of survivors would call the police in a moment of crisis or danger involving their harm-doer. When asked who they would call in a crisis, the number one response was a family member or friend (62.8%). 

Before and Beyond Crisis

Today, we are also launching Before and Beyond Crisis: What Each of Us Can Do to Create A Long-Term Ecosystem of Support for All Survivors, a roadmap for expanding our society’s response to gender-based violence beyond short-term crisis support. The roadmap makes survivor-informed recommendations for how every pillar of our society–from banks, hospitals, and schools to policymakers, employers, and other stakeholders–can help build a new ecosystem of support that addresses the reality of how GBV shows up in survivors’ lives. 

We all have a role to play in building the ecosystem. Whether you are a policymaker, employer, landlord, lawyer, funder, nonprofit employee, or community member, there is something for you to do. Read the roadmap to find out how you can contribute. #EveryoneHasAPartToPlay

We also have an audio version of the full report available on: 

 

Get Cash to Survivors

On average, survivors need $1,567 to make ends meet and stay safe. You can join the ecosystem of support for survivors by making a gift today to sustain our cash assistance program. All the money we raise on GoFundMe goes directly to survivors. 

ANNOUNCING OUR NEW REPORT: When Disaster Strikes: Lessons From Survivors Living Through Winter Storm Uri

We are very excited to share our latest report that we just released today, entitled, When Disaster Strikes: Lessons From Survivors Living Through Winter Storm Uri, that shares the stories of 661 survivors impacted by Winter Storm Uri who applied for cash assistance from FreeFrom. 

In February of 2021, Winter Storm Uri—a record-breaking coast-to-coast storm—brought record-low temperatures and unprecedented snowfall to the state of Texas. As the COVID-19 pandemic has shown, large-scale disasters not only exacerbate survivors’ already precarious circumstances, but also expose the pervasive lack of support for survivors within societal institutions and systems. We found that the #1 need reported by survivors affected by the storm is access to unrestricted cash, which aligns with other data our team has collected about what survivors need outside of a natural disaster situation. 

Some key takeaways from the data: 

  • 1 in 4 survivors in our sample reported that the harm they had been subjected to started or got worse during Winter Storm Uri
  • 25% of survivors reported the winter storm led to increased economic abuse or threats of economic abuse 
  • 90% of survivors reported the winter storm created more expenses for them that they don’t know how to pay for
  • 58% of survivors said they didn’t and would find it difficult to set aside savings for natural disasters or other emergencies
  • 75% of survivors named access to unrestricted cash as one of their top needs; this was the most frequently reported need across all respondents