Some presidential candidates' critiques promote unhelpful assumptions about who tuition-free and debt-free college would actually serve. (Spoiler: it's not millionaires and billionaires.)
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.
The idea of canceling student debt has become a topic of considerable debate. Here's what you need to know about the Warren and Sanders student debt plans and what still needs to be answered.
Baltimore’s campaign donors lack diversity across race, gender, and socioeconomic status. The Baltimore Fair Election Fund, designed with equity and community engagement at the forefront, can change that.
Senator Elizabeth Warren just unveiled the first plan of the 2020 election cycle that comprehensively addresses both college affordability and student loan debt simultaneously.
Private credit reporting is failing for all of us who must rely on credit reports produced by for-profit companies to navigate financial transactions. For communities of color, credit scores evoke the decades of bank redlining and unequal access to credit whose impact persists to this day.
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.
Today, Demos proposed establishing a public credit registry, housed in the Consumer Financial Protection Bureau, as an essential part of a larger effort to reshape rules around debt and lending in order to reduce racial wealth inequality.
Today, Democratic members of the House of Representatives released the Aim Higher Act, a bill that would reauthorize the Higher Education Act, the federal law which authorizes a broad range of student aid programs and governs the federal role in higher education.
Demos, a public policy organization based in New York, has this response:
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.
Washington, D.C. – On Wednesday, Mick Mulvaney, acting director of the Consumer Financial Protection Bureau (CFPB), informed his staff that he would be shutting down the bureau’s Office for Students and Young Consumers and folding it into the Office of Financial Education. In response, Mark Huelsman, Senior Analyst and student debt expert at Demos, issued the following statement: