Dēmos examines ballot access issues, voter suppression in AZ, GA, OH, CA, IN, WI, MI, NC, TX, LA
Press release/statement
August 10, 2023
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Why the Court's decision to limit the EPA's power to regulate water access is yet another case of eroding the power of the other branches of government at the expense of Black and brown people.
Americans owe $800 billion in credit card debt, more than triple the amount from 1989, and a 31 percent increase from five years ago, according to a recent report, "The Plastic Safety Net," by the Center for Responsible Lending, and Demos, a research group based in New York. The study found that a
A major survey released by the think tank Demos provides some important new insights on how average American families are using credit cards. The implication is hard to escape: many middle- and low-income American families are using consumer credit as a way to weather fluctuations in their finances.
Demos, a non-partisan election reform group, said higher voter turnout, especially among youth, reversed a decades-old trend of low electoral participation. The group said about 120 million voted in the Nov. 2 election, an increase of 15 million voters from 2000. Election Day registration, or EDR
That all portends "payment shock" for those with adjustable-rate mortgages whose loans are due soon to adjust, said Javier Silva, senior research and policy associate with the public policy research group Demos in New York City. "Lots of ARM customers are experiencing payment shock already, and we
According to Javier Silva, a senior research and policy associate with Demos, a New York think tank and public policy organization, homeowners' equity fell from an average of 68.3 percent to 55 percent between 1973 and 2004. Americans now own a smaller stake in their homes than they used to. In the
According to a Demos study, Americans from 2001 to 2003 cashed out $333 billion in equity from their homes. Many did so to pay off credit card debt and finance ongoing living expenses -- both good and noble financial causes. The study concluded that Americans own less of their homes today than they
Professor Robert Frank of Cornell University, the author of Luxury Fever, compares conspicuous consumption in an economy like ours to the military arms race, and we already know that's destined to end in mutually assured destruction. The key to countering this headlong rush towards ever-more
"Appraisal fraud is part of a bigger, more ominous picture," says David Callahan, Home Insecurity author and Director of Research at Demos. "As home prices have continued to increase above inflation, even nearing 20 percent per year in some cities, American homeowners are vulnerable as never before
"The Plastic Safety Net" study found that middle- and low-income households were racking up credit card balances just to cover everyday expenses. One-third of the 1,000 survey respondents said that basic living expenses contributed to their current debt level.