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14 Big Ideas to Build a Strong & Diverse Middle Class

Answers to 8 frequently asked 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.

New York State’s Climate and Community Protection Act (CCPA) is a bold climate action policy for the people of New York.

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.

How the Climate & Community Protection Act will Increase Resiliency for New York’s Latinx Communities

How We Can Fix the Housing Affordability Crisis

The CCPA is a climate bill, a racial justice bill, a public health bill, and an economic development bill. We need it to be all of these things.

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.

Ensuring just and equitable access to and ownership of one our most vital natural resources—energy—is vital to building a vibrant, inclusive democracy.

One New York State bill would interrupt the cycle of discrimination that comes with employment credit checks.

This platform proposes a set of actions the executive branch can take to equitably address the climate crisis without new legislation, major new appropriations, or other Congressional authority.

Identifying Communities That Face Environmental Injustice, Using Lessons Learned from State Equity Mapping Programs

Executive actions the new administration can take to deliver economic relief and protect workers and families.

Letter from 31 civil rights, consumer, and community organizations urging the National Association of Insurance Commissioners (NAIC) to issue a recommendation that credit information no longer be used to determine eligibility for, or the cost of, auto or home insurance.