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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
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.
One New York State bill would interrupt the cycle of discrimination that comes with employment credit checks.
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
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 Associate Director of Policy and Research, Amy Traub before the U.S. House of Representatives Committee on Financial Services
Why a Massachusetts Partnership Bank will generate new revenue for Massachusetts, save local governments money, and make our small businesses, farms and consumers less vulnerable to cutbacks in lending in our state.
How Main Street Partnership Banks Can Improve Local Economies
A Washington Investment Trust will generate new revenue for Washington, save local governments money, and make our businesses less dependent on the Wall Street banks that have cut back on lending to small businesses and consumers in our state.
Answers to frequently asked questions about an Oregon Virtual State Bank
A Maryland Partnership Bank will generate new revenue for Maryland, save local governments money, and make our businesses less dependent on the Wall Street banks.
Congress now has the opportunity to erect new public structures guaranteeing stability, transparency and competition in banking.
If passed, each of these pieces of legislation would destabilize a regulatory system that saves lives and improves our nation.
More information about CEO-to-worker pay disparities is critical for investors.
14 Big Ideas to Build a Strong & Diverse Middle Class
Support for Growth, Job Creation, and Career Development
11 ways Wall Street is more than a symbol of inequities in our economy and our democracy
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.
Our current system is characterized by long delays before needed regulations are issued.