Report

The conventional wisdom says that American households are deleveraging – after years of living beyond our means, Americans are finally paying down debt and getting our financial house in order. But as Demos’ 2012 National Survey on Credit Card Debt of Low-and Middle-Income Households reveals,...
05/22/2012
Publication
Verizon and its allies are promoting a bill, S 2664, which would eliminate both rate and quality regulations for most phone and cable consumers in the state of New Jersey. This system has delivered lower phone rates for New Jersey residents than those in most other states, while also delivering...
04/25/2012
Publication
Democracy works best when all eligible persons are able to participate and make their voices heard. This ideal is under attack because of restrictive photo identification laws passed recently in many states that will prevent hundreds of thousands of eligible persons from participating in elections...
04/16/2012
Publication
Participation on corporate and influential non-profit boards is a critical measure of the integration of any group—in this report African-Americans—into the fabric of decision- making in our society. While government is one place where decisions are made that affect the lives of Americans, these...
04/10/2012
Publication
This report examines how state disinvestment in public higher education over the past two decades has shifted costs to students and their families. Such disinvestment has occurred alongside rapidly rising enrollments and demographic shifts that are yielding more economically, racially, and...
04/03/2012
Publication
This paper present profiles of Americans struggling with credit card debt and bankruptcy, due to economic insecurity.
03/21/2012
Publication
As policymakers, election officials, and the public consider whether New York should change the way in which voters are allowed to register to participate in elections, and bring New York State election law into compliance with the Help America Vote Act, we provide an analysis of the potential...
03/21/2012
Publication
NEW: SECOND EDITION. "Retiring in the Red" is part of the Borrowing to Make Ends Meet Briefing Paper Series. Reports an 89% average increase in credit card debt among America's seniors from 1992 to 2001. Key Findings: Seniors (over age 65)   Average revolving balances among indebted seniors...
03/21/2012
Publication
An exploration of the importance of social trust in U.S. society and troubling ways in which rising economic inequality since the 1970s has helped to decrease trust between Americans.   Executive Summary   Americans face twin crises of social solidarity. The first is a crisis of declining...
03/21/2012
Publication
Using new data, this report explores how families are increasingly using credit cards to meet their basic needs. This report also examines the factors driving this record-setting debt and the impact of deregulation on the cost, availability and marketing of credit cards. Executive Summary  ...
03/20/2012
Publication
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