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Associate Director of the Democracy Program Ludovic Blain testifies before the Vermont House Government Operations Committee regarding Election Day Registration.

We live in an age when credit card debt has skyrocketed among young adults. It has risen 104 percent from 1992 to 2004 among 18- to 24-year-olds according to "Generation Broke: The Growth of Debt Among Young Americans," a report from Demos, a nonpartisan, nonprofit New York City-based research

While real income gains were realized during the economic boom over the latter half of the 1990s, the average American's credit card debt rose faster than ever before. While balances grew faster for white families than for African-American and Hispanic families, all groups experienced a significant

"I don't think that anyone can assume that the appraised value of their home is based on reality. Appraisal fraud is so common that homeowners need to assume the opposite," says research director David Callahan of Demos, a public policy center. Demos released a report about appraisal fraud in March

New York, N.Y. — In an effort to reduce widespread barriers faced by New York City's voters, the New York City Council Committee on Governmental Operations, Chaired by Councilmember Bill Perkins, will hold a hearing on Monday, May 2, 2005, to consider legislation that would reform the city's

New York, N.Y. — New York, NY- Concerned about widespread misinformation about voter eligibility and proper voter registration and balloting procedures in New York State, Unlock The Block: Release the Vote, a New York voting rights restoration coalition that is housed at Demos and includes the Legal

New York, NY / Washington, DC — Today, Demos: A Network for Ideas & Action, a national economic policy research organization, urges Congress to recognize the fragility of our debt-driven consumer economy when considering the bankruptcy "reform" bill (S. 256/H.R. 685) that has been passed by the

In April 2005 Demos urged Congress to recognize the fragility of our debt driven consumer economy when considering the bankruptcy "reform" bill (S. 256/H.R. 685) that had been passed by the Senate and was under consideration in the House of Representatives. American families are not suffering from

An issue briefing kit on the real causes of debt and bankruptcy. Intended for legislators, journalists and advocates.

After a careful review of dozens of surveys and thousands of survey questions, most conducted within the past five years, the author categorized several images of government that emerge from existing surveys. These images are somewhat subjective and are simply intended to illuminate patterns in