Our nation’s modern economy is built on access to credit. A majority of states still do not clearly protect lesbian, gay, bisexual, and transgender, or LGBT, people from discrimination in credit or financial services. Unfortunately, one study showed that if a credit applicant had a same-sex partner on their paperwork, they were more likely to be denied than applicants with different-sex partners. In this week’s whiteboard video, YouTube celebrity Hartbeat explains why all Americans deserve the same protections from discrimination when applying for and accessing credit.