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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.
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.
If the twin threats to public pensions continue, African American retirees may lose much of the retirement security they’ve gained over the past half-century.
More information about CEO-to-worker pay disparities is critical for investors.
How taxpayers are bankrolling the paychecks of already-wealthy executives instead of supporting more livable wages for American workers struggling to get by.
Support for Growth, Job Creation, and Career Development
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.
What The Facebook IPO Really Says About America's Economy
11 ways Wall Street is more than a symbol of inequities in our economy and our democracy
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.
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.
If passed, each of these pieces of legislation would destabilize a regulatory system that saves lives and improves our nation.
Our current system is characterized by long delays before needed regulations are issued.