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Format: 04-24-2014
Format: 04-24-2014
As student debt continues to climb, it’s important to understand how our once debt-free system of public universities and colleges has been transformed into a system in which most students borrow,...
March 6, 2014 | Policy Brief |
Robert Hiltonsmith
Tamara Draut
Good morning, my name is Catherine Ruetschlin and I am a policy analyst at Demos, a non-partisan public policy organization working for an America where we all have an equal say in our democracy and...
February 5, 2014 | Testimony |
In the wake of the worst effects of the Great Recession, African Americans, like Americans as a whole, are getting their balance sheets in order and paying down credit card debt. But new research...
December 4, 2013 | Report |
Catherine Ruetschlin
Dedrick Asante-Muhammad
I’m pleased to be here today to testify on House Bill 1744, “An Act regulating the use of credit reports by employers.” Over the past decade, Demos has conducted extensive research on credit card...
September 9, 2013 | Testimony |
Student debt has skyrocketed over the past decade, quadrupling from just $240 billion in 2003 to more than $1 trillion today.1 If current borrowing patterns continue, student debt levels will...
August 22, 2013 | Policy Brief |
Demos
Demos strongly urges the members of the U.S. Senate Banking Committee to vote in favor of confirming Richard Cordray to direct the Consumer Financial Protection Bureau for a full term. Director...
March 11, 2013 | Advocacy Letter |
Today, it is common for employers to look at job applicants’ personal credit history before making a hiring decision. According to a survey of human resources professionals, nearly half of employers...
March 4, 2013 | Report |
On behalf of The Leadership Conference on Civil and Human Rights and the undersignedwe urge you to cosponsor “The Equal Employment for All Act” sponsored by Representative Steve Cohen (D-TN). In...
January 31, 2013 | Advocacy Letter |
Middle-income Americans age 50 and older are carrying more credit card debt on average than younger people, according to Demos’ 2012 National Survey on Credit Card Debt of Low- and Middle-Income...
January 15, 2013 | Report |
Joblessness imposes steep costs on millions of unemployed workers and their families, requiring households to continue meeting basic expenses without their former income. The Great Recession and...
December 20, 2012 | Policy Brief |
Demos