Over the last decade, an increasing number of cities and states passed laws limiting the use of credit checks in hiring, promotion, and firing. These laws have been motivated by the reality that personal credit history is not relevant to employment and that employment credit checks prevent otherwise qualified workers with flawed credit from finding jobs, and that unemployed workers and historically disadvantaged groups, including people of color, are disproportionately harmed by credit checks.
This report examines the effectiveness of the employment credit check laws enacted so far and finds that unjustified exemptions included in the laws, a failure to pursue enforcement, and a lack of public outreach have prevented these important employment protections from being as effective as they could be.
Our current voter registration system, which is designed as a voter-initiated or “self-registration” system, creates barriers to registration that do not serve any significant purpose in a democracy. Automatic voter registration is the answer.
What’s up with working-class whites? It’s a question that’s been asked for decades, and has been raised again recently in the discussion surrounding an Alec MacGillis piece examining Matt Bevin’s recent election gubernatorial win in Kentucky, which could leave many in Kentucky without Medicaid.
"The Administration strongly supports the goals of the NVRA and is committed to enforcing its requirements, as applicable," the agency said in a statement.
Jenn Rolnick Borchetta, senior counsel at Demos, called this an "almost hidden voter registration question" that does not satisfy the NVRA.
To comply with the NVRA, she said, the exchange would need to directly ask applicants if they want to register to vote because applicants are less likely to see registration information if they aren't forced to answer a question about it.
Not that many people vote in midterm elections. While 57.5 percent of eligible voters cast ballots in the 2012 presidential race, a mere 41.9 percent did in 2014, according to data from the Census Bureau. Midterm turnout isn’t just low, though. It’s falling. It tumbled from 47.8 percent in 2006 to 45.5 percent in 2010 before falling yet further to 41.9 percent in 2014.
Consumer advocacy groups have long complained that there is no link between bad credit and job performance. They argue that such checks lead to discriminatory hiring.
The system is profitable but imperfect, and for decades critics have attacked it for all sorts of offenses. In 1969, Columbia University legal scholar Alan Westin testified to Congress that the companies violated Americans’ right to privacy and that their inaccuracies damaged lives.
Millennials have an average credit score of 625 (based on the Experian VantageScore 3.0 credit score), compared to 650 for Generation X and 709 for those over 50 years old. They also use an average of 43 percent of their credit limits—compared to 34 percent nationally—and their average debt (excluding mortgages) totals 77 percent of their income, compared to 49 percent nationally.
The dominance of big money in our politics makes it far harder for people of color to exert political power and effectively advocate for their interests as both wealth and power are consolidated by a small, very white, share of the population.
Jeff Jacoby ends his June 29 column by asserting that black citizens’ right to vote “is no longer endangered anywhere in America.” What America is he talking about?
Having to register to vote is a practical barrier for some people, especially those who are poor and marginalized. So shifting that burden to the state leads to more people voting.
North Carolina’s recent voting law changes will disproportionately affect black voters in the state, according to a study published Wednesday by Dartmouth University.
“The study provides powerful ammunition for the pending legal challenges,” says Brenda Wright, a voting rights expert with the liberal think tank Demos. “It shows that virtually every key feature of North Carolina’s election legislation will disproportionately cut back on registration and voting by African Americans in North Carolina as compared to whites.”
While income is distributed unequally in the country, what few people know is how much more unequally wealth, financial assets and inheritances are distributed.
In the wake of the recent gutting of the Voting Rights Act, partisans were quick to jump on the opportunity to restrict unfavorable voters. Across the country, conservatives in particular have debated fiercely whether to pursue voter suppression to remain competitive in an increasingly diverse electorate.
The rationale behind the ban is simple: it’s unfair and useless to use a person’s credit history, which is often inaccurate or misleading, when assessing their job qualifications.
"You are in a Catch-22," said Emmanuel Caicedo, a senior campaign strategist with Demos, one member of a coalition of 79 labor and civil rights organizations that formed the NYC Coalition to Stop Credit Checks in Employment.
"You can't pay your bills and so your credit is bad. And then you can't get a job to pay your bills because of your credit."