By complying with the HRC’s controversial demands, Bread Financial increases the risk of dividing employees, alienating customers and harming shareholders. The company covers transgender-related medical costs for its employees and their children. It also uses sex and gender ideology criteria in employee recruitment, vendor selection, marketing, and philanthropic support. Bread Financial uses its reputation, corporate funds, and political influence to support controversial sex and gender ideologies, organizations, and legislation. Bread Financial supports the Equality Act and is a signatory of the Count Us In Coalition, a part of the Human Rights Campaign. The company has partnered with LGBTQ Youth Centers to teach children about theories of gender fluidity and is a member of the Bloomberg Gender Equality Index. For these reasons, Bread Financial receives a High Risk rating.