For millions of people in this country, an ITIN is more than a tax ID — it’s a barrier. MAF examined what it means to navigate America’s financial system without a Social Security Number, drawing on client data to illuminate the ingenuity, resilience, and unmet needs of ITIN holders. The findings challenge common assumptions: these are financially savvy people, systematically excluded by an industry that wasn’t designed with them in mind.
What’s inside- Who ITIN holders are — and the complex financial lives they lead
- How people innovate when the formal system shuts them out
- The regulatory grey areas that let exclusion persist
- What it looks like when the right support is finally there
