As part of an effort to reshape rules around debt and lending to reduce racial wealth inequality, we propose establishing a public credit registry to gradually replace the current for-profit credit reporting system.
If we want to pass climate policies that could actually help reverse the climate crisis, then we also need to fix our democratic system that gives too much power to wealthy donors and big polluters.
Demos’ Race-Class Narrative (RCN) project developed an empirically-tested narrative on race and class that resonates with all working people and offers an alternative to—and neutralizes the use of—dog-whistle racism.
The Disparate Impact standard is critical to continued and enhanced opportunity to access fair credit, housing, and homeownership. Demos strongly opposes efforts to undermine this longstanding enforcement tool.
Ensuring just and equitable access to and ownership of one our most vital natural resources—energy—is vital to building a vibrant, inclusive democracy.
“The potential for executive action to jumpstart the transition that we need — to reorient our democracy for democratic engagement and redress historic inequities — is huge.”
This platform proposes a set of actions the executive branch can take to equitably address the climate crisis without new legislation, major new appropriations, or other Congressional authority.
Twelve years after starting college, white men have paid off 44% of their student loan balances on average, while black men saw their balances grow by 11%, according to an analysis from Demos.
Twelve years after starting college, the white female borrower has paid off 72% of her loan balance. Over the same time period, the typical Black female borrower's balance has grown by 13%.