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.
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.
Over 100 community, civil rights, consumer, and student advocacy organizations urge House and Senate leadership to insist on student debt cancellation for all borrowers during negotiations over the next coronavirus relief package.
Written testimony of Demos President K. Sabeel Rahman before the US House of Representatives Committee on the Judiciary Subcommittee on Antitrust, Commercial and Administrative Law
A collection of contributions from leading student loan experts offering a roadmap for the Biden administration to take immediate action to cancel student debt for millions of Americans.
Policymakers in Michigan have continuously made attending college harder through divestment in Michigan’s public higher education system, resulting in skyrocketing college prices.
Letter from 31 civil rights, consumer, and community organizations urging the National Association of Insurance Commissioners (NAIC) to issue a recommendation that credit information no longer be used to determine eligibility for, or the cost of, auto or home insurance.
Written testimony of Demos Associate Director of Policy and Research, Amy Traub before the U.S. House of Representatives Committee on Financial Services
This case study follows the Texas Organizing Project as it worked to build power and equity for working-class Black & Latino communities in greater Houston after Hurricane Harvey—ultimately implementing a winning 3-part inside-outside strategy.
The Economic Democracy Project aims to highlight and develop strategies that Black and brown communities can use to build economic and political power—beginning with four case studies spotlighting community campaigns across the U.S.