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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.
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.
14 Big Ideas to Build a Strong & Diverse Middle Class
Answers to 8 frequently asked questions.
Demos conducted a nationwide survey of low- and middle-income households in early 2012. The findings in this brief summarize the relationship between college costs and credit card debt, and its impact on students and their parents.
Signed into law on May 22, 2009, the Credit CARD Act has benefited millions of households in ways that directly affect their monthly budgets.
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.
How past racial injustices are carried forward as wealth handed down across generations and reinforced by “color-blind” practices and policies.
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.
NEW: SECOND EDITION. "Retiring in the Red" is part of the Borrowing to Make Ends Meet Briefing Paper Series. Reports an 89% average increase in credit card debt among America's seniors from 1992 to 2001. Key Findings:
This report reveals the extent of credit information “mission creep,” examines troubling shortcomings in the for-profit credit reporting industry, and recommends common sense steps to reform the credit reporting system.
In February and March 2012, Demos surveyed a nationally representative sample of 997 low- and middle-income American households who carried credit card debt for three months or more.
In the wake of the worst effects of the Great Recession, African Americans, like Americans as a whole, are getting their balance sheets in order and paying down credit card debt. But new research from Demos’ National Survey on Credit Card Debt of Low-and Middle-Income Households finds that African Americans face challenges to their financial security that are unlike those of white households.
Why employment credit checks constitute an illegitimate barrier to employment.
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.
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.
The white, wealthy donor class that fuels Baltimore's elections
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.
How We Can Fix the Housing Affordability Crisis
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.