Written testimony of Demos Associate Director of Policy and Research, Amy Traub before the U.S. House of Representatives Committee on Financial Services
"Although credit scores never formally take race into account, they draw on data about personal borrowing and payment history that is shaped by generations of discriminatory public policies and corporate practices that limit access to wealth for Black and Latinx families."
This report analyzes new voter turnout data to understand how Same-Day Registration (SDR) is reducing barriers to voting and boosting turnout for Black and Latinx Americans.
For states to realize the NVRA’s promise, they must make registering to vote and updating voter registration addresses an integral part of obtaining a driver’s license or state identification card.
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.
Removing unnecessary hurdles to small donor participation will help fix a system that currently prioritizes wealthy, white, male donors over communities of color and working-class people.
Letter in support of H.R.1 highlighting provisions to protect voters from purges and voting caging, tactics used disproportionately to silence voters of color.
The For the People Act can begin to address the longstanding racist exclusions in our democracy with policy solutions that are proven to advance racial equity.
"Black student debtors "are 16 percent more likely to be in default or seriously delinquent than white student debtors; Latino borrowers are 8 percent more likely."
It is time for us to recognize the right of sovereignty and self-determination for the over 4 million combined residents of Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, the Northern Mariana Islands, and Washington, D.C.
Policymakers in Michigan have continuously made attending college harder through divestment in Michigan’s public higher education system, resulting in skyrocketing college prices.
“They collect our data without our permission. They profit from our data. They fail to invest in processes to verify accuracy. And their models are not transparent. This puts Black and Brown consumers at a serious disadvantage.”
The Biden administration should implement its public credit registry proposal to shift power away from an oligopoly that exercises inordinate control over consumers’ financial prospects and towards a fairer system that better respects consumers and reduces racial inequality.
Executive actions the new administration can take to help ensure the integrity of our elections and strengthen opportunities for civic participation for Black and brown Americans.