Publications

Search Publications

Format: 11-18-2017
Format: 11-18-2017
This year’s holiday shopping season has started with a bang with 247 million shoppers (an all-time high and up from 226 million last year) spending an average of $423 each at local or online stores...
December 12, 2012 | Policy Brief |
Demos
Consumers Union
USPIRG
A core value of American society is the opportunity to work hard and get ahead. Yet today in the United States, willing job-seekers are facing a new barrier to employment—credit checks. Despite the...
November 5, 2012 | Policy Brief |
As states continue to cut higher education budgets, rising tuition prices mean that increasingly students and their families rely on debt—both credit cards and student loans—to pay for college...
September 5, 2012 | Policy Brief |
Household debt is burdening millions of families and stifling economic growth in the nation as a whole. In the first half of 2011, 11 million American households – more than one in five homeowners –...
September 4, 2012 | Policy Brief |
Personal debt can stand as an insurmountable obstacle to Americans wishing to build assets and secure a place in the middle class. In addition to the critical last resort of bankruptcy relief,...
September 4, 2012 | Policy Brief |
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....
May 22, 2012 | Report |
Signed into law on May 22, 2009, the Credit CARD Act has benefited millions of households in ways that directly affect their monthly budgets. Demos’ 2012 National Survey on Credit Card Debt of...
May 22, 2012 | Policy Brief |
Thank you, members of the Committee for this opportunity to present testimony. I am a Senior Policy Analyst in the Economic Opportunity Program at Dēmos. We are a national, non-partisan research and...
February 22, 2012 | Testimony |
Thank you, Chairperson Carroll and members of the Committee for this opportunity to present testimony. I am a Senior Policy Analyst in the Economic Opportunity Program at Dēmos. We are a national,...
February 13, 2012 | Testimony |
In the midst of the worst economic downturn in decades, millions of Americans are out of work and struggling to keep up with bills for even the most basic expenses. What they need more than anything...
February 7, 2012 | Policy Brief |