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Format: 02-20-2019
Format: 02-20-2019
American families are struggling in an increasingly volatile economy defined by job instability, continued layoffs in the guise of "downsizing", and declining employee benefits--factors augmented by...
October 12, 2005 | Report |
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...
May 11, 2005 | Policy Brief |
Javier Silva
Rebecca Epstein
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...
April 12, 2005 | Policy Brief |
An issue briefing kit on the real causes of debt and bankruptcy. Intended for legislators, journalists and advocates. In April 2005 Demos urged Congress to recognize the fragility of our debt driven...
April 12, 2005 | Report |
Passage of the bankruptcy bill would make it harder for families struck by financial misfortune to get back on track. It would benefit the very profitable ($30 billion in 2004) credit card industry...
February 24, 2005 | Policy Brief |
EOP Staff
Over the 1990s, credit card debt among young Americans rose dramatically—leaving many young adults over-extended and vulnerable to financial collapse. This briefing paper documents the rise...
October 13, 2004 | Policy Brief |
Javier Silva
Testimony presented by Tamara Draut, Director of Demos' Economic Opportunity Program, before the U.S. House Subcommittee on Financial Institutions and Consumer Credit regarding consumer issues...
September 15, 2004 | Testimony |
Credit card companies are preying on the American public and need to be reined in. Fueled by steady deregulation of the industry, credit card companies increasingly charge excessive interest rates...
August 4, 2004 | Policy Brief |
EOP Staff
A two-page brief on how deregulated credit card issuers have maximized their profits at the expense of American consumers. Regulatory Background   Before 1978, 37 states had usury laws that...
June 6, 2004 | Report |
NEW: SECOND EDITION. "Retiring in the Red" is part of the Borrowing to Make Ends Meet Briefing Paper Series. Reports an 89% average increase in credit card debt among America's seniors from 1992 to...
January 19, 2004 | Report |