We help people recover from financial difficulty and turn toward a path of economic empowerment. We believe this can only be achieved through mutual engagement, understanding, collaboration and respect between our company and members. We have an unwavering commitment to operate with integrity and treat people fairly as demonstrated through our industry-first investor Bill of Rights. We are also dedicated to better understanding financially distressed consumers and developing innovative ways to support their financial recovery, which is the focus of our Client Credit Research Institute. Our business success is a direct result of each of our people doing the right thing every day and is predicated on holding ourselves to the highest ethical standards when partnering with our members and community.