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Written testimony of Demos Associate Director of Policy and Research, Amy Traub before the U.S. House of Representatives Committee on Financial Services
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 President K. Sabeel Rahman before the US House of Representatives Committee on the Judiciary Subcommittee on Antitrust, Commercial and Administrative Law
One New York State bill would interrupt the cycle of discrimination that comes with employment credit checks.
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.
The white, wealthy donor class that fuels Baltimore's elections
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.
"We know this: the super rich and corporations don’t need a tax cut. The 1 percent are doing just fine."
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.
How past racial injustices are carried forward as wealth handed down across generations and reinforced by “color-blind” practices and policies.
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.
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.
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.
The Financial Infrastructure Exchange (FIX) is a federal tax-and-subsidy program to promote long-term investment in a financial system that otherwise prioritizes short-term gains.
The dominance of big money in our politics makes it far harder for people of color to exert political power and effectively advocate for their interests as both wealth and power are consolidated by a small, very white, share of the population.
Financialization is a major driver of growing inequality and undermines key sources of growth and job creation.
Why better measures of government output can help us grasp potentially damaging tradeoffs between fiscal austerity and collective needs.
This report presents new research on the scope of federally-supported employment in the private economy and shows how, using our over 1.3 trillion dollars in federal purchasing, the President of the United States can place over twenty million Americans on a pathway to the middle class.
More information about CEO-to-worker pay disparities is critical for investors.