A guy in America wants to buy a truck. They save money. They have built up good credit. They find a truck in their price range. They go to the dealership to buy it, but when the dealership puts the guy’s name through the system no credit shows up.
The problem? That guy is trans and had recently changed their name. “Due to the name change, I was credit invisible,” Luke Lennon explained. “This can happen often for trans and nonbinary folks who change their name.” The kicker? “That piece is not the same for folks that change their name due to marriage.”
This is structural, not accidental, explains Lennon, who uses he/they/any pronouns. While name changes for marriage are accommodated by financial systems, “if you’re trans, you have to notify each creditor of your name change individually.” It is an equity problem: “For a community that already faces huge barriers to wealth building, this is a major issue.”
Lennon opted out of the truck. Without the financing options made available by good credit, the vehicle was outside of their price range. “I was getting just near predatory rates for loans at that point,” he says.
“For a community that already faces huge barriers to wealth building, this is a major issue.”
Luke Lennon
Truck dreams deferred. But he worried about people whose financial needs couldn’t be deferred, like needing a loan for medical care or housing. “For many, that could be a more high-stakes situation. It could put them in financial peril and result in more serious consequences.”
Lennon had already thought about leveraging his tech and business background toward helping his community with name changes, but the experience in the car dealership cemented how vital the service was. So, they launched Namesake Collaborative, a program to ease the burden of name changes for the trans community.
Getting his name changed at all was a grueling process in Lennon’s home state of Massachusetts, one of the most trans-friendly states in the country. Paperwork was long, confusing, and expensive — a big difference from the Boston FinTech scene he worked for where digital health startups were automating “complex paper-heavy processes to make them easier for end users.” When he sought out that type of service for name changes, they were only for cis women changing their names because of marriage.
Lennon’s instinct was in line with what trans advocates identified as one of the biggest needs in the state. MG Xiong, the program director at Massachusetts Transgender Political Coalition, shared that “the number one legal need that trans folks said that they have is their identity documents.” This comes from MTPC’s 2019 Comprehensive Needs Assessment Survey, but its need is mirrored nationally.
“Filling out court forms is incredibly inaccessible to folks who are not looking at these types of forms on a regular basis or who do not have the knowledge of bureaucratic processes of court processes or legal language,” said Xiong. This stress does not include the fees, which can sometimes exceed $400 in Massachusetts. There is a patchwork of differing systems, forms, and expectations across jurisdictions, as Paisley Currah writes in his seminal book on the topic “Sex Is as Sex Does,” “the same individual has Fs on some state-issued documents and Ms on others.”
All this trouble means that only 11% of trans people in the U.S. have all identity documents that correctly reflect their name and gender, per the National Center for Trans Equality. The discrepancy is not just annoying or disheartening — it can be outright dangerous.
While MTPC’s small team raised money to aid in filing fees and led workshops to help, there was always more of a need than they could meet. So, when Lennon pitched a process that streamlined inaccessible forms, they jumped at the opportunity to collaborate. “It was a strategic decision for me to not try to take the traditional startup path,” he explained.
And their path was far from traditional. Instead of pitching to Venture Capital, the startup and nonprofit duo drove around Massachusetts. Xiong explains that they and Luke went to “different community centers, bringing the services [directly] to the spaces that people are already in.”
Lennon had actually met the MTPC team at one of their workshops and appreciated the community building they fostered. He trusted the organization that had helped him with his name change to make sure the technology he was building would reach the trans community effectively.
After a beta period in 2021, Namesake launched as a website in 2022 with input from community assessments. Despite being a tech startup, they kept it lower-tech. “We decided to operate on a no-code platform to be able to build something more quickly,” said Lennon. Since then, more than 500 transgender Massachusetts residents have used the program to complete gender and name changes.
A huge part of the program was built on lessening the load of process: getting different forms in one location and being able to fill them all out online in one standardized process. But it also met the need in terms of access in other ways. “We are getting gratitude for the simplicity of it.” Xiong said. “That it uses common and accessible language. It defines what certain court language or legal language means.”
Namesake is on the cusp of a new iteration, which will make it more user-friendly through an app version. Lennon has partnered with Computost, a worker-owned software consulting co-op that understood Namesakes’ values.
“We are getting gratitude for the simplicity of it.”
MG Xiong
While always working to make the product more usable, Lennon is careful about keeping it more trans than tech. Lennon explains that the variability in the community is “often at odds with technology’s reductive approach to an ideal user profile or persona.”
The longer they work with Namesake, the more they are convinced, “I don’t think tech should ever be heralded as THE solution to anything, really.” He explains that their method of development is “using community-sharing knowledge in order to augment that technology.”
Lennon explains that he is more concerned with making a community than a traditional tech product. “A strong community also requires breaking the binary of ‘giver and receiver,’ which runs counter to much of the startup folklore around serving customers.” However, they “have compassion for any trans or queer person trying to solve a real problem for our communities through tech.”
Looking forward, Lennon explains that Namesake is “focused on creating something more fluid and communal, something that will ideally evolve with the community and help folks feel less alone throughout the process.”
(This story is part of the Digital Equity Local Voices Fellowship lab through News is Out. The lab initiative is made possible with support from Comcast NBCUniversal.)