This report was completed in collaboration with the Advancement Project, Asian & Pacific Islander American Health Forum, Demos, Faith in Action, National Association for the Advancement of Colored People, National Congress of American Indians, National Urban League, Race Forward, and UnidosUS. These groups are a collaborative of leading national racial-equity organizations supported by the W.K. Kellogg Foundation.
If the twin threats to public pensions continue, African American retirees may lose much of the retirement security they’ve gained over the past half-century.
If nearly 70 percent of graduates are borrowing, 30 percent (including 35 percent of public college graduates) are not. Who are these students? What type of family or financial resources do they have at their disposal? What are their work habits? In short, what does it take to graduate debt-free these days? This brief answers these questions.
Signed into law on May 22, 2009, the Credit CARD Act has benefited millions of households in ways that directly affect their monthly budgets. Demos’ 2012 National Survey on Credit Card Debt of Low- and Middle-Income Households finds that the Credit CARD Act empowers Americans to take control of their finances by increasing the transparency of credit card statements and dramatically reducing unfair and excessive fees and
penalties.1 New estimates show that the CARD Act has saved U.S. consumers $50.4 billion, or $12.6 billion a year, in fees alone.
Discrimination has no place in New York. At our best, we’re a city where people of all races, ethnicities, creeds, and backgrounds have an opportunity to work hard and make their mark. But today in New York, many qualified job seekers are turned away from employment because of their personal credit history.
In today’s economy, a college education is essential for getting a good job and entering the middle class. Yet, despite this reality, college costs are rising beyond the reach of many
Wisconsinites, and student loan debt has become a clear and present danger to both the Wisconsin and American economies.
Dēmos strongly supports updating federal regulations to restore and extend overtime protections. However, we urge the Department to finalize a stronger rule than the one proposed.
Evaluating ten states across a spectrum of voter removal practices on an important but often overlooked voting barrier: voter purges. Purges played a part in more than 19 million voters being removed between the 2020 and 2022 general elections.
This resource guide is intended to help advocates and local leaders make common-sense improvements to current voter removal practices and oppose bad bills that limit access to the ballot.
Letter to express our grave concern regarding the revelations and allegations surrounding
special interest judicial influence, corruption, lack of ethical standards, and apparent
lawbreaking by justices on the Supreme Court.
As states impose new voter suppression tactics, the push for the John Lewis Voting Rights Advancement Act is crucial to ensure equal voting rights for all.
Using new data, this report explores how families are increasingly using credit cards to meet their basic needs. This report also examines the factors driving this record-setting debt and the impact of deregulation on the cost, availability and marketing of credit cards.
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 new trends like outsourcing and unfettered trade. The result is a fragile alliance between workers and employers-- and families and the economy. At the same time that American households have become more vulnerable, our economic safety net has steadily eroded.
In this brief, we’ll examine how conservative administrations, government inaction, and corporate interests have left low-paid salaried workers without adequate overtime protections for the past few decades.