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Demos Calls for Swifter Action As Issuers Continue to Slash Credit Limits and Ratchet Up Interest Rates and Fees

Would Re-establish Key Provisions of the Glass-Steagall Act—Limiting Risk Taking by Commercial Banks, Requiring Investment and Insurance Spin-offs, Ending Era of 'Too Big to Fail'

Increasing numbers of low- and middle-income families use credit cards for basic living expenses. As health care costs have increased and health insurance coverage has become inadequate, medical expenses have become another basic cost that families increasingly cover through credit cards.

A primer on key CFPA amendments in the Wall Street Reform and Consumer Protection Act

"Public structures" has proven to be an effective organizing idea for more constructive conversations about the role of government in American life. The concept was first developed by the principals of the Topos Partnership in research they conducted for Public Works in 2005, and since then, it has

Paving the Way is part of a larger effort undertaken by the Topos Partnership and Public Works to create more constructive public dialog about public policy and economic outcomes. Promoting Broad Prosperity contains the complete findings and recommendations from this body of research.

As Congress Takes Up Sweeping Financial Reform, Report Urges Fundamental Change of Ratings Agency Model Washington, DC — With the House of Representatives and a key Senate committee poised to vote on sweeping financial industry reforms, a new report by Demos finds that the proposed remedies fail to

Strong Consumer Financial Protection Agency Needed to Regulate Education Loan Products

America's students are facing a serious threat from subprime private loans, and the situation could worsen unless Congress votes to close a potential loophole in the proposed Consumer Financial Protection Agency.

Hundreds of Thousands of Low-Income Ohioans to Benefit