From Policy to Practice

From Policy to Practice

Author: Hosts: Pete Upton, Brian Edwards, Elyse Wild | Producers: Native CDFI Network, Tribal Business News February 26, 2026 Duration: 31:20
How Native CDFIs grew from federal study into a sovereign finance movement In 2001, the U.S. Treasury Department released the Native American Lending Study, identifying 17 structural barriers to capital access in Indian Country. The report helped catalyze what would become the modern Native CDFI movement. Fifteen years later, Treasury published a follow-up report, Access to Capital and Credit in Native Communities (2016), examining how the sector had evolved. In this episode of Difference Mak...

In a landscape often defined by barriers, a different kind of financial story is being written from within Native communities. Difference Makers, hosted by Pete Upton, Brian Edwards, and Elyse Wild, goes inside the work of Native Community Development Financial Institutions. This isn't a typical business podcast about market trends or startup scaling; it's a ground-level view of economic sovereignty in action. Each episode focuses on the tangible mechanics of change-how a loan can build more than a building, how a partnership can weave traditional values into modern enterprise, and how a single idea can redirect the flow of opportunity for generations. Produced by the Native CDFI Network and Tribal Business News, the conversations here are pragmatic and hopeful, featuring the voices of lenders, entrepreneurs, and community leaders who are doing the foundational work. Listeners will hear specific challenges, innovative solutions, and the quiet persistence required to build resilient tribal economies. The podcast moves beyond theory to the on-the-ground realities of creating capital access and fostering self-determined growth. It’s about the architects of a different financial future, revealing how community-centered finance operates as a powerful tool for cultural and economic revitalization. Tune in for stories where finance meets community, and where every investment is measured in more than dollars.
Author: Language: en-us Episodes: 30

Difference Makers
Podcast Episodes
Beyond the Grants [not-audio_url] [/not-audio_url]

Duration: 26:25
Native CDFIs know their communities. Banks have capital. But bringing the two together takes more than a grant. In this episode of Difference Makers 3.0, host Brian Edwards and co-host Pete Upton talk with Wells Fargo Se…
Mid-Year Update [not-audio_url] [/not-audio_url]

Duration: 31:28
The first half of 2026 brought both momentum and uncertainty for Native community development financial institutions. Native CDFIs continue to expand their reach, with about 65 certified institutions nationwide and nearl…
Why Only Three? [not-audio_url] [/not-audio_url]

Duration: 25:48
California is home to the largest Native population in the United States and 109 federally recognized tribes. Yet only three Native CDFIs currently operate in the state. Recorded during and after the 2026 California CDFI…
The Treasurer Visits Blackfeet [not-audio_url] [/not-audio_url]

Duration: 21:34
U.S. Treasurer Brandon Beach recently traveled to the Blackfeet Indian Reservation in Browning, Montana, for his first trip to Montana since taking office — part of a broader swing through Indian Country that also includ…
The Next Builders [not-audio_url] [/not-audio_url]

Duration: 19:18
There are about 65 certified Native community development financial institutions (CDFIs) in the United States — roughly the same number as a decade ago. But that’s starting to change. In Episode 5 of Difference Makers 3.…
The Flour Mill [not-audio_url] [/not-audio_url]

Duration: 34:52
Large-scale economic development deals in Indian Country are typically financed through complex capital stacks — combining banks, tax credits and outside investors — with Native CDFIs often left out. That may be starting…
Philanthropy’s Blind Spot [not-audio_url] [/not-audio_url]

Duration: 31:51
Native communities receive less than one-half of 1% of philanthropic funding in the United States — roughly four or five dollars for every thousand dollars foundations give away. In Episode 3 of Difference Makers 3.0, Br…
Before the Banks [not-audio_url] [/not-audio_url]

Duration: 35:52
The legal foundations of tribal economies Long before federal banking systems or modern economic policy, Native nations were building trade networks, governing territory and sustaining complex economies. In Episode 1 of…
Difference Makers 3.0 Trailer [not-audio_url] [/not-audio_url]

Duration: 1:02
Difference Makers 3.0 is a yearlong podcast series from the Native CDFI Network and Tribal Business News that explores how Native community development financial institutions (CDFIs) are reshaping the future of tribal ec…