Risk-Based Financial Inclusion and Safe Credit Access in the United States:A Banking Framework for Household Resilience and Financial Stability. American Journal of Governance and Management, [S. l.], v. 1, n. 1, p. 41–44, 2026. Disponível em: https://journals.e-palli.com/home/index.php/ajgm/article/view/8898. Acesso em: 3 nov. 2026.