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Dear Senator: I urge you to support S. 414, the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009, which is expected to come before the full Senate in the coming days. The legislation, introduced by Banking Committee Chairman Chris Dodd (D-CT), would outlaw several abusive

Today, children of wealthy parents are the ones who disproportionately attend college. Meanwhile, student financial assistance at the federal, state and university level has shifted away from a needs-based approach, leaving low-income and moderate-income students sitting at home.

Eighty-four percent of black households carry credit card debt, compared with 54% of white households, according to Demos, a public policy research organization. More than 90% of black families earning $10,000 to $24,999 a year had credit card debt.

The Electoral College is provided for in the United States Constitution. The filibuster is not. In fact, the word doesn't appear in any of our founding documents. Its derivation is from the Spanish filibustero, meaning "pirate" or "freebooter." In the legislative context, a filibuster is the use of

Teenage Research Unlimited, a youth research firm, reported that about 10 percent of teens own at least one credit card. "Generation Broke," a study by Demos, reported that between 1992 and 2001, debt has risen by 104 percent among 18- to 24-year-olds. Demos is a nonpartisan public policy research

The New York State Senate Committee on Elections began a series of public hearings on a package of election reform proposals. The second hearing — taking place in New York City — includes testimony showing the potential for increased voter turnout from Same Day Registration, by Steven Carbo, Senior

The Galtists tend to end up in long arguments with their opposites: the Rawlsian liberals who believe life is luck, and so too with the bulk of achievement. Impressive as a corporate titan may appear, his success is truly testament to a thousand variables far outside his control. Good genes and

On Tuesday, Sallie Mae reported that student debt over the past four years has been rising faster than blood alcohol levels at a beer pong tournament. Student debt shot up 44 percent over the past four years, with the average senior now carrying a $4,100 load. It only looks to be getting worse. The

Washington, DC — Federal managers and staff from 23 different agencies and offices across the federal government recommended that the President's Open Government Directive create a new government-wide structure that will transform how the government involves the American people in key decision

Testimony of Democracy Program Director Brenda Wright before the Boston City Council on Campaign Finance Reform