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Background on one of the landmark pieces of financial reform legislation associated with Franklin Roosevelt’s New Deal.
The Financial Infrastructure Exchange (FIX) is a federal tax-and-subsidy program to promote long-term investment in a financial system that otherwise prioritizes short-term gains.
The Volcker Rule is a requirement in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 that is sometimes referred to as a “mini-Glass-Steagall.”
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.
While GDP has been steadily increasing, indicating a growing economy, other metrics of progress show a very different picture.
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.
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 causes of Detroit's bankruptcy and what the city's emergency manager can do to turn it around.
A Hawaii Partnership Bank will generate new revenue for Hawaii, save local governments money, and make us less dependent on big offshore banks that are dramatically reshaping life for families and businesses in Hawaii.
Part of a Demos series of reports on deregulation showing that often the most significant impact is on the quality and reliability of work — in this case, on port trucking.
How the Dodd-Frank Wall Street Reform and Consumer Protection Act will bring greater security to American consumers, investors and Main Street businesses.
For decades, GDP has enjoyed supreme status as the predominant benchmark of our economic and social progress. In reality, GDP obscures or ignores essential aspects of Americans’ economic and social welfare, as well as important social and environmental dimensions of our national welfare and future well-being.
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.
A picture of the current state of the private retirement system, why this picture bodes ill for the future of retirement in the country, and why that system needs reform.
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:
How Maine can use deposits of state tax revenue to tilt the economic playing field back toward Main Street businesses, our community banks, and long-term job growth.
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.