Better Health for All

SoFi Technologies, Inc. is a financial technology company whose core products and services (loans, credit cards, investing, banking) are not directly health-related, resulting in a neutral health impact.

However, the company acknowledges that financial stress negatively impacts employees' mental health (47%), physical health (36%), and sleep (48%). To address this, SoFi at Work provides benefits platforms and education resources to enhance financial wellness, aiming to reduce stress and anxiety. SoFi also offers comprehensive employee benefits, including Modern Health, which provides 6 complimentary coaching and 6 therapy sessions for mental well-being. Additionally, SoFi has committed to giving $250,000 per calendar year to organizations supporting mental health initiatives, with a focus on the Child Mind Institute. For its employees, SoFi offers extensive health equity programs, including a lifetime maximum of $20,000 for reimbursements covering infertility, egg freezing, surrogacy, and adoption, and provides medical travel reimbursement of $2,500 for services not available in an employee's state. SoFi also offers LGBTQ+ inclusive benefits, covering transgender health services when medically necessary. The company maintains a robust privacy program, led by a Chief Privacy Officer, with an internal Data Privacy Policy and compliance with regulations like GLBA and CCPA. SoFi's Information and Cybersecurity organization implements stringent administrative, technical, and physical safeguards, informed by industry standards such as ISO 27002:2013 and NIST Cybersecurity Framework, to protect personal information.

Fair Money & Economic Opportunity

SoFi settled with the Federal Trade Commission (FTC) in February 2019 regarding unfair and deceptive marketing practices for student loans.

Additionally, a class action lawsuit alleges SoFi is not providing fair lending opportunities to DACA recipients. In 2023, SoFi reported $56 million in Community Development (CD) lending and CD investments, including a $20 million working capital line for affordable housing loans. This amount represents approximately 2% of the company's $2.8 billion pre-tax profit in 2023. SoFi launched "The Fundamentals of Personal Finance" Specialization in partnership with Coursera on April 26, 2021. The program offers a scholarship for full access to the specialization for one year to the first 700 SoFi members who sign up for a personal finance event during April. The same scholarship and educational course access is also offered to employees of partner organizations through SoFi at Work.

Fair Pay & Worker Respect

No direct evidence for SOFI.US was found in the provided articles regarding any of the KPIs for Fair Pay & Worker Respect. The articles mention SOFI.US as a company similar to Nelnet

and Synchrony Financial, but all specific data points provided pertain to Nelnet, Kaspi.kz, or Synchrony Financial, not SOFI.US itself.

Fair Trade & Ethical Sourcing

SoFi, as a financial technology company, does not procure or trade physical commodities, making the KPI related to fair-trade certifications not applicable. While the company has a Supplier Code of Conduct that prohibits child and forced labor, and outlines ethical expectations for suppliers, no specific quantitative data is provided regarding the number of substantiated labor incidents, audit frequency, traceability coverage, remediation speed, ethical clause coverage, materials risk, or supplier diversity spend.

Therefore, these KPIs cannot be scored based on the provided evidence.

Honest & Fair Business

SoFi received a $1.1 million fine from FINRA in May 2024 for failures in customer identification and identity theft prevention programs related to its SoFi Money accounts.

These flaws, which occurred between December 2018 and April 2019, led to approximately $2.5 million in stolen funds and $8.6 million in unauthorized transfers. SoFi self-identified these issues. The company has a comprehensive Anti-Corruption Policy (Policy_COM_003, effective January 27, 2023) with a zero-tolerance stance on bribery and corruption. This policy applies to all business lines, support personnel, and third-party service providers, covering U.S. FCPA, IAB, and local laws. It prohibits cash gifts, requires Enterprise Chief Compliance Officer (ECCO) approval for gifts to foreign individuals or entities, is reviewed annually, and exceptions are reported quarterly to the Compliance Committee. SoFi provides training on these requirements, and internal audit includes compliance with this policy in its risk-based audit program.

Kind to Animals

SoFi Technologies, Inc. is a financial technology company that provides digital financial products and services. Its core business model does not involve activities such as animal testing, the use of animal-derived products or ingredients, animal agriculture operations, or direct impact on wildlife habitats.

Therefore, all KPIs related to animal welfare, ethical sourcing, and conservation are not applicable to the company's operations.

No War, No Weapons

SoFi Technologies, Inc. is a financial technology company. The provided articles, including its Code of Business Conduct and Ethics, investor relations documents, and an ESG overview, do not contain any specific information or data points regarding the company's involvement in arms manufacturing, military contracts, dual-use technology, sales to embargoed regimes, or investments in peacebuilding initiatives.

There is no evidence to assess any of the 'No War, No Weapons' KPIs.

Planet-Friendly Business

SoFi's total Scope 1, 2, and 3 greenhouse gas emissions for 2024 were 5,016.4 tCO2e.

As a financial technology company, this is considered a non-material GHG emissions footprint. The company has not publicly committed to specific 2030 or 2050 climate goals through major frameworks like SBTi, though it has set near-term climate commitments for Scope 1 and 2 reductions by 2025 and is pursuing a journey to net zero. SoFi's headquarters and Golden Pacific Bank Sacramento facilities have achieved ENERGY STAR certification. The company operated from 21 locations in 2024, with two facilities certified, placing it in the 5-10% certified range. SoFi reported zero environmental compliance violations. While the company is pursuing a journey towards net zero emissions with specific targets for Scope 1 and 2 starting in 2023, a specific net-zero target year is not publicly disclosed.

Respect for Cultures & Communities

SoFi has established 8 formal partnerships with local community groups, including the Jayson Tatum Foundation, birthFUND, Justin Herbert, Cameron Brink, Raise the Barr, Community Solutions, Kelsea Ballerini, and tnAchieves.

The company invested over $300,000 to promote affordable housing and over $150,000 in the Salt Lake region for affordable housing, emergency assistance, and first-time homebuyer grants. Additionally, $2 million was invested in Tennessee students, with over $500,000 in grants to tnAchieves. Total contributions focused on affordable housing, small business growth, digital equality, financial literacy, and essential services for low- and moderate-income communities exceeded $3 million in 2024. There are no reported cultural appropriation incidents. The company has a policy prohibiting discrimination, harassment, and retaliation, and states it promptly investigates all complaints, but specific community-focused grievance mechanisms are not detailed. Employees volunteered over 850 hours to CRA-eligible causes, serving on Boards and Committees of local nonprofit organizations, but there is no specific community representation on SoFi's governance bodies. In 2024, 100% of employees completed company-assigned compliance and discrimination-related training. SoFi has a discrimination, harassment, and retaliation prevention policy, but no specific cultural incident response framework is detailed.

Safe & Smart Tech

SoFi experienced a minor data breach in December 2025, affecting 38,049 Washington residents, where PII was accessed but no account passwords or financial details.

This was disclosed in January 2026, and additional monitoring and safeguards were implemented. The company was fined $1.1 million by FINRA in May 2024 for failing to establish an effective customer identification program between December 2018 and April 2019, which allowed fraudsters to open approximately 800 accounts and withdraw $2.5 million. SoFi maintains industry-standard administrative, technical, and physical safeguards and uses TLS 1.2 encryption. The company holds certifications including CSA STAR, PCI DSS, SOC 1, and SOC 2 Type 2. SoFi collects personal information solely for product delivery and compliance, with access based on need-to-know and minimum privileges. It does not sell or rent personal information to unaffiliated third parties. Users can access or delete personal information via self-service links and manage privacy settings from their profile. SoFi activated its incident response process upon discovering the 2025 breach and engaged a cybersecurity firm for investigation. The company is subject to extensive supervision by various federal and state authorities, including the Federal Reserve, OCC, FDIC, CFPB, FINRA, and SEC, and is impacted by GLBA, CCPA, and CPRA. SoFi lobbied $190,000 in Q3 2025 on AI regulation modernization and launched a campaign to address AI bias in financial imagery, noting less than 2% of AI-generated images were of women.

Zero Waste & Sustainable Products

The provided articles, including SoFi's ESG reports from 2022

, 2023 , and 2024 , do not contain specific data or information related to waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability scores, waste audit frequency, zero waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education. While the reports mention environmental performance, they do not provide details on these specific metrics.