Demos president Miles Rapoport testifies before the U.S. House Administration Sub-Committee on Elections regarding Election Day Registration and provisional voting.
Americans carry over $800 Billion in credit card debt. Using most recent data from the Federal Reserve Board's Survey of Consumer Finances, Borrowing to Make Ends Meet exposes this and other disturbing trends in American families’ debts and financial assets. The report breaks down debt and asset data by age, race and income demographics, and shows how financial fragility makes the most vulnerable groups of Americans even more so.
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U.S. House of Representatives Subcommittee on the Constitution, Civil Rights, and Civil Liberties notified of suppressive tactics implicit in state noncompliance with NVRA Section 7.
Senior Policy Analyst Scott Novakowski testifies before the U.S. Election Assistance Commission regarding the public assistance requirements of the National Voter Registration Act.
Democracy Program Senior Policy Analyst Scott Novakowski delivers testimony before the Election Assistance Commission on its role in NVRA implementation, September 6, 2007.
It has been nearly two decades since the credit card industry was deregulated with the promise of bringing greater competition and lower prices to consumers. Under the shield of deregulation, credit card companies have shifted the cost of credit to individuals least able to afford it. As this report shows, low-income individuals, African Americans, Latinos and single females bear the brunt of the cost of credit card deregulation through excessive fees and high interest rates.
Although photo ID and proof of citizenship proposals are offered as necessary to prevent fraud in elections, we know that the facts do not warrant these extreme measures.
Miles Rapoport testifies on March 23, 2007, at the United States House of Representatives Committee on Financial Services' hearing on "The Role of Public Investment in Promoting Economic Growth".
Demos Vice President of Policy and Programs Tamara Draut testifies before the United States Senate Committee on Health, Education, Labor and Pension regarding higher education costs and student debt.
Basic demographic data reveal much about the need for better access to the voting process.
Studies have shown that 20% of the population of the U.S. has one or more disabilities and that approximately 10% of that number live with severe disabilities and that about 20% of U.S. adults with disabilities — more than 8 million potential voters — say they have been unable to vote in presidential or congressional elections due to barriers at or getting to the polls.
Demos Vice President of Policy and Programs Tamara Draut testifies before the U.S. Senate Committee on Banking, Housing, and Urban Affairs regarding the growth of credit card debt and credit industry practices.
Health care costs are rising sharply, placing stress on employers, individuals, and families. As employers look to rein in benefit costs, they are increasingly turning towards health insurance options that feature greater employee cost sharing through higher deductibles, co-payments, and other forms of out-of-pocket expenses. Others are dropping coverage entirely. Financially stretched low- and middle-income families, however, can scarcely afford these higher medical expenses.
Although Americans of all ages have endured the economic and social changes ushered in by a shift from an industrial to a technology- and service-based economy, today’s young adults are the first to experience its full weight as they try to start their lives. But the challenges facing young adults also reflect the failure of public policy to address the changing realities of starting, and building, a career and family in 21st century America.
Most parents with children under the age of 6 are in their late 20s or early 30s, making issues of family leave, child care, and work flexibility of core concern to young adults under the age of 34.
Young families across the income spectrum are financially and emotionally stressed by the demands of work and family, yet our nation has failed to address these issues in any systematic or holistic fashion.