It has been nearly two decades since the credit card industry was deregulated with the promise of bringing greater competition and lower prices to consumers. Under the shield of deregulation, credit card companies have shifted the cost of credit to individuals least able to afford it. As this report shows, low-income individuals, African Americans, Latinos and single females bear the brunt of the cost of credit card deregulation through excessive fees and high interest rates.
Although photo ID and proof of citizenship proposals are offered as necessary to prevent fraud in elections, we know that the facts do not warrant these extreme measures.
John Kerry's defeat in 2004, assumed by many to be the product of perceived Democratic deficiencies in "moral values," gave this conversation renewed energy. And while some in the "new values" camp pointed to the importance of a specifically religious morality, others urged the Democrats to focus on a secular but morally demanding vision of the common good.
New York, NY — North Carolina is taking a number of steps to be in full compliance with the National Voter Registration Act of 1993, specifically its requirement that states offer voter registration opportunities in public assistance agencies, according to a new report published this week by Demos, a national election reform and voting rights policy center.
Michael Lipsky and Dianne Stewart, Senior Program Director and Director of Public Works at Demos, argue it takes effective government to restore opportunity. After decades of government-bashing, we need to win back support for what we do in common.
America's way of providing health care is failing, too, Cohn writes, and its problems also won't go away on their own. He spoke with NEWSWEEK's Mary Carmichael about how to cure an ailing system.
The people who get clobbered the most are still the working poor and the lower middle class. But the big change we're seeing now is that vulnerability is expanding up into the middle class more than before.
New York, NY — Everyday, millions of Americans struggle to find affordable medical care for themselves and their families, often leading to long-delayed treatment of illness and financial ruin. In SICK: The Untold Story of America's Health Care Crisis, and the People Who Pay the Price (HarperCollins; April 10, 2007), journalist and Demos Senior Fellow Jonathan Cohn offers a fascinating, first-hand account of America's failing health care system.
Ms. Draut, director of the Economic Opportunity Program at Demos, a public policy group in New York, got to the heart of the matter in her recent testimony before a U.S. Senate committee looking into higher education costs.
Miles Rapoport testifies on March 23, 2007, at the United States House of Representatives Committee on Financial Services' hearing on "The Role of Public Investment in Promoting Economic Growth".
Des Moines, IA — Voter participation in Iowa will significantly increase if the state passes Election Day Registration (EDR) into law, according to a new report published today by national election reform research and policy group Demos and released in collaboration with the Iowa Citizen Action Network (ICAN). The Iowa House this week passed an EDR bill (HF653) and the state Senate is expected to take up the bill on Monday, March 26.
New York, NY — Demos: A Network for Ideas & Action is pleased to announce that Professor Benjamin R. Barber, renowned political theorist and expert on global democracy and citizenship, has joined Demos as a Distinguished Senior Fellow.
Demos Vice President of Policy and Programs Tamara Draut testifies before the United States Senate Committee on Health, Education, Labor and Pension regarding higher education costs and student debt.
New York, NY — More than three-quarters of a million Americans were able to cast their ballot in November 2006 because of Election Day Registration (EDR), according to a new report published this week by Demos.
Basic demographic data reveal much about the need for better access to the voting process.
Studies have shown that 20% of the population of the U.S. has one or more disabilities and that approximately 10% of that number live with severe disabilities and that about 20% of U.S. adults with disabilities — more than 8 million potential voters — say they have been unable to vote in presidential or congressional elections due to barriers at or getting to the polls.
Washington, DC — Direct Recording Electronic (DRE) voting machines, once considered essential to ensuring private and independent voting booth access for voters with disabilities, often do not work as promised, according to a new report published today.
