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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.
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.
How We Can Fix the Housing Affordability Crisis
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.
Demos’ Race-Class Narrative (RCN) project developed an empirically-tested narrative on race and class that resonates with all working people and offers an alternative to—and neutralizes the use of—dog-whistle racism.
"We know this: the super rich and corporations don’t need a tax cut. The 1 percent are doing just fine."
14 Big Ideas to Build a Strong & Diverse Middle Class
Signed into law on May 22, 2009, the Credit CARD Act has benefited millions of households in ways that directly affect their monthly budgets.
Answers to 8 frequently asked questions.
Dēmos has measured the comparative effectiveness of five leading fiscal proposals. We evaluate the plans in eight categories: jobs and public investment; health care affordability; Social Security income; education; defense policy; fair and adequate revenues; and long-term debt reduction.