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.
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.
Over 100 community, civil rights, consumer, and student advocacy organizations urge House and Senate leadership to insist on student debt cancellation for all borrowers during negotiations over the next coronavirus relief package.
Written testimony of Demos President K. Sabeel Rahman before the US House of Representatives Committee on the Judiciary Subcommittee on Antitrust, Commercial and Administrative Law
A collection of contributions from leading student loan experts offering a roadmap for the Biden administration to take immediate action to cancel student debt for millions of Americans.
Policymakers in Michigan have continuously made attending college harder through divestment in Michigan’s public higher education system, resulting in skyrocketing college prices.
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.
Written testimony of Demos Associate Director of Policy and Research, Amy Traub before the U.S. House of Representatives Committee on Financial Services
Why a return to a debt-free system of public universities and colleges would help revive the promise of affordable higher education regardless of one’s family income.
Why a Massachusetts Partnership Bank will generate new revenue for Massachusetts, save local governments money, and make our small businesses, farms and consumers less vulnerable to cutbacks in lending in our state.
A Washington Investment Trust will generate new revenue for Washington, save local governments money, and make our businesses less dependent on the Wall Street banks that have cut back on lending to small businesses and consumers in our state.
A Maryland Partnership Bank will generate new revenue for Maryland, save local governments money, and make our businesses less dependent on the Wall Street banks.