Three years have passed since David (the American public) defeated Goliath (the big banks) and the Dodd-Frank Act became law. Implementation staggers forward and there have been some recent encouraging developments. But, overall, there is reason for serious concern about the fate of financial reform.
Just as postsecondary education is becoming increasingly vital to getting a good job and entering the middle class, college costs are rising beyond the reach of many New Yorkers. State policy decisions have played a significant role in this rise by shifting costs onto students and families though declining state support. New York’s investment in higher education has decreased considerably over the past twenty years, and its financial aid programs, though still some of the country’s most expansive, fail to reach many students with financial need.
These stories were taken from the thousands of stories submitted to the Consumer Financial Protection Bureau when they requested comments about private educational loans and struggles with student loan debt.
After getting the First Amendment supremely wrong in Citizens United, the Supreme Court now faces its next money in politics case. In McCutcheon v. FEC, the challengers are attacking a law that says that no one person can contribute over $123,000 directly to federal candidates, parties, and committees—that’s over twice the average American’s income.
How taxpayers are bankrolling the paychecks of already-wealthy executives instead of supporting more livable wages for American workers struggling to get by.
Elizabeth Ridlington and Miles Unterreiner of Frontier Group, Robert Hiltonsmith of Demos, and Kurt Walters of Public Campaign helped with data analysis for this report.
Generations Initiative is a network of leaders, organizations, and communities that work together to raise awareness and promote solutions to harness America's current demographic revolution to our country's advantage. It aims to build on the strengths of each generation to ensure our democratic and economic vitality. The goal is to catalyze action that transforms these demographic shifts into an asset for our collective future.
Same-Day Registration (SDR) allows eligible voters to register to vote and cast their ballots on the same day. SDR offers an easy, practical solution that works to fix many registration errors that can prevent eligible voters from casting their ballot.
Election administration should not be affected by partisan goals.
Partisan election administration increases the risk of disenfranchisement.
Non-partisan election administration boosts faith and confidence in the electoral process and promotes fair and accurate electoral results.
If anything should be free from politics or partisan fighting, it should be our election administration. Regardless of political ideology, everyone can agree that our elections should be conducted in a non-partisan and transparent manner.
Far too many Hawaiians are excluded from voting—our most important democratic process—due to arbitrary voter registration deadlines. As a result, voter turnout in the state is lower than the national average. There is a simple solution to ensure all eligible voters in Hawaii can participate in our elections. Same-Day Registration (SDR) (also known as Late Registration in the current Hawaii legislative proposal) allows eligible voters to register to vote and cast their ballots on the same day, at the same time.
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.
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.