We urge Ohio to take immediate action to ease and modify absentee ballot
laws so that thousands of voters are not disenfranchised during Ohio’s March 17, 2020 primary.
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.
To fairly evaluate any higher education reform proposal, we must understand the ways that these dual burdens—less wealth and more debt—lead to worse outcomes for Black students than white students.
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.
Empirical data showing policymakers, organizers, and progressives that there is clear public support for the notion that racism is a divide-and-conquer tactic creating distrust, undermining belief in government, and causing economic pain for everyone, of every color.
This report presents findings on the use of public transit by people of color and on the potential jobs benefits that people of color can gain from investments in public transit.
July 21, 2017 (New York, NY) – In honor of the sixth anniversary of the creation of the Consumer Financial Protection Bureau (CFPB), Tamara Draut, Vice President of Policy and Research, issued the following statement.
New York, NY - With the House of Representatives poised to vote on H.R. 10, the Financial CHOICE Act, Amy Traub, Associate Director, Policy and Research at Demos, issued the following statement:
Medical debt is a leading cause of bankruptcy in the United States. This report analyzes the impact of medical debt on household finances and provides policy solutions.
Every day, many U.S. families must make the impossible choice of falling into debt to pay for critical medical care or foregoing necessary treatment. In 2014, 64 million people were struggling with medical debt and it is the leading cause of bankruptcy in the United States.
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.
Public policies can either fuel or ease racial disparities in wealth. This report marks the first-ever systematic analysis of the impact of different policies, highlighting the policies that could help erase the racial wealth gap.
(BOSTON, Mass.)- Today, a broad coalition of consumer, civil rights, labor, and community organizations issued a letter strongly urging members of the U.S. House of Representatives to support of H.R. 5282, the Comprehensive Consumer Credit Reporting Reform Act of 2016, introduced today by Congresswoman Maxine Waters.
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.