America's students are facing a serious threat from subprime private loans, and the situation could worsen unless Congress votes to close a potential loophole in the proposed Consumer Financial Protection Agency.
Testimony of Margrete Strand Ranges, Director of the Sierra Club's Responsible Trade Program
Demos, in collaboration with a variety of environmental groups, including the Sierra Club, helped prepare the following testimony presented at the House Ways and Means Committee hearing on the operation, impact, and future of U.S. trade preference programs, arguing for inclusion of environmental criteria.
The United States has long granted trade preferences to developing countries that meet various criteria. These criteria, which are stipulated by the Generalized System of Preferences (GSP), have changed with time — reflecting U.S. economic and foreign policy priorities.
While the criteria include non-support for terrorism, enforcement of intellectual property rights, and respect for internationally recognized worker rights, the GSP does not include an environmental provision.
Comprehensive and meaningful systemic risk reform must undo many of the ill-advised deregulatory measuresof the past 20 years, including the four key changes wrought by the Gramm-Leach-Bliley Act.
Demos Democracy Program Counsel Allegra Chapman's testimony before the Government, Military and Veterans Affairs Committee of the Nebraska Unicameral Legislature on the benefits of Same Day Registration.
Even before the Great Recession of 2008, today's young adults were on track to have the dubious distinction of being the first generation in a century not likely to end up better off than their parents. Stagnant wages, job insecurity, the decline in employer sponsored health insurance and retirement benefits, rapid increases in the cost of basic expenses, soaring debt, and minimal savings have diminished the prospects for opportunity and mobility.
In a recent report from the Heritage Center for Data Analysis (2008) titled Welfare Reform a Factor in Lower Voter Registration at Public Assistance Offices, authors Muhlhausen and Tyrrell argue that the Personal Responsibility and Work Opportunity Reconciliation Act (PRWORA)--passed in 1996 as part of Clinton's Welfare overhaul-- is an important cause of the decline in the number of individuals who have registered to vote in public assistance agencies.
Congress passed the National Voter Registration Act (NVRA) in 1993 in order to increase the number of eligible citizens who register to vote in federal elections. To help meet this goal, Section 7 of the NVRA requires state public assistance agencies to provide voter registration services to applicants and clients. Recent research has indicated that the number of voter registration applications from public assistance agencies has de- clined 79 percent since initial implementation of the law in 1995.
Credit card debt continues to threaten the financial stability of many low- and middle-income families in the United States, hampering their ability to save and move up the economic ladder. When shortfalls arise, credit has been the only available safety net to help these families make ends meet. In this economic crisis, even though America’s households took on less credit card debt in 2008 than the year before, high levels of revolving debt from previous charges and compounding interest keep balances high and trap families in a vicious cycle.
Over the past eight years, even as the U.S. signed a number of new bilateral trade pacts, the U.S. government actually decreased its capacity for promoting strong labor standards and enforcing the labor provisions of trade agreements. The Bush Administration sought to slash funding for the Bureau of International Labor Affairs (ILAB) at the U.S. Department of Labor and, though it wasn't entirely successful in this effort, it still managed to significantly downsize the agency.
This report presents new evidence of how trade-related job losses are impacting women workers. It shows how women workers are concentrated in industries which have been drastically affected by the surge in cheap imports over the past decade. The report also shows that current policy responses to dislocations faced by women workers are woefully insufficient, with many laid off women workers receiving little help in securing comparably paying jobs or handling family obligations as they participate in retraining and conduct employment searches.
Allow me to thank the Chair and members of the Committee for this opportunity to testify before you today on Bill 18-345, the “Omnibus Election Reform Act of 2009.” I will focus my remarks on Sec. 301, the bill’s Same Day Registration (SDR) provisions.
Same Day Voter Registration (also known as Election Day Registration) permits eligible citizens to register and vote on the same day.
This fact sheet outlines some of the advantages of Same Day Registration, particularly its impact on voter turnout and its potential to ensure that every vote is properly counted, as well as a look at why we need Same Day Registration in America's "patchwork quilt of registration processes," and some success stories from states that have successfully utilized Same Day Registration in the 2008 presidential election.
It is becoming increasingly difficult for Americans to achieve and sustain a middle-class life. The costs of homeownership, healthcare and a college education have soared, while incomes have stagnated. According to the Middle Class Security Index, a measure developed by Demos and the Institute on Assets and Social Policy at Brandeis University, fewer than one third of middle-income families were securely in the middle class in 2006, while a quarter were at high risk of falling out of the middle class.
Today headlines are filled with stories of middle-class families struggling to survive the current downturn. But the problems of middle-class families did not start with the recession.
Between 2000 and 2006, the number of middle-class families that lacked economic security grew from 19 to 23 million. Decline in assets, the rising cost of housing, and more families lacking health insurance depleted middle-class economic resources, leaving millions of families poorly positioned to weather the current recession.
When Congress passed the National Voter Registration Act (NVRA) in 1993, its goals were to "increase the number of eligible citizens who register to vote in elections for Federal office" and "protect the integrity of the electoral process." Yet, while most states created effective programs for mail-in and Department of Motor Vehicles-based registration processes, many neglected the NVRA's social service agency requirements (detailed in Section 7).
Dear Senator:
I urge you to support S. 414, the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009, which is expected to come before the full Senate in the coming days. The legislation, introduced by Banking Committee Chairman Chris Dodd (D-CT), would outlaw several abusive lending practices in the credit card market.
The New York State Senate Committee on Elections began a series of public hearings on a package of election reform proposals.
The second hearing — taking place in New York City — includes testimony showing the potential for increased voter turnout from Same Day Registration, by Steven Carbo, Senior Program Director in the Democracy Program.