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.
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.
On Tuesday, December 13th, the Congressional Progressive Caucus unveiled the RESTORE the American Dream for the 99% Act. The bill, if passed, would create more than 5 million jobs and save more than $2 trillion. This is a comprehensive plan to put America back to work by reversing the failed policies of the past, which the “Super Committee” could not achieve.
Comprehensive and meaningful systemic risk reform must undo many of the ill-advised deregulatory measuresof the past 20 years, including the four key changes wrought by the Gramm-Leach-Bliley Act.
Young adults have an enormous stake in the financial regulatory reform debate. They have paid a high price for a banking crisis caused by lax regulation, and their economic futures will depend on rebuilding strong public structures for financial regulation going forward. This briefing paper addresses some of the key reforms and the impact of both the banking crisis and unregulated lending practices on young Americans' financial futures.
In 2012, just 61 large donors to Super PACs giving an average of $4.7 million each matched the $285.2 million in grassroots contributions from more than 1,425,500 small donors to the major party presidential candidates.
Outside spending organizations reported $1.11 billion in spending to the FEC through the final reporting deadline in the 2012 cycle. That’s already a 200% increase over total 2008 outside spending.
This memo outlines how the Justices lined up on the issues in Randall v. Sorrell, provides some analysis of the opinions, and touches on the implications for future reform efforts.
Social Security remains our nation’s key source of retirement income for most Americans. The program’s overall health is sound and with relatively modest tweaks to the program’s financing, we can strengthen the system for generations to come.
Demos and Young Invincibles partnered to complete the State of Young America report, the first comprehensive look at the economic challenges facing young adults since the Great Recession.
A Vermont Partnership Bank will generate new revenue for Vermont, save local governments money, and make our small businesses, farms and consumers less vulnerable to cutbacks in lending in our state.
