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Borrowing to Make Ends Meet: The Growth of Credit Card Debt in the '90s

Using new data, this report explores how families are increasingly using credit cards to meet their basic needs. This report also examines the factors driving this record-setting debt and the impact of deregulation on the cost, availability and marketing of credit cards.

Research
Tamara Draut
Javier Silva

Borrowing to Make Ends Meet: The Growth of Credit Card Debt in the '90s

Using new data, this report explores how families are increasingly using credit cards to meet their basic needs. This report also examines the factors driving this record-setting debt and the impact of deregulation on the cost, availability and marketing of credit cards.
Research
Tamara Draut
Javier Silva

Demos' Testimony at Massachusetts Hearing on EDR

Testimony before the Massachusetts General Court Joint Committee on Election Laws regarding Election Day Registration.
Testimony and Public Comment

Securing the Vote: An Analysis of Election Fraud

An in-depth study of election fraud issues and the policy requirements of the Help America Vote Act.
Research
David Callahan
Lori Minnite

STATEMENT: Failure to Enact Election Day Registration is Loss for Voters

New York, NY — Propositions to enact Election Day Registration (EDR) in California and Colorado were defeated yesterday, preventing citizens from gaining the ability to register and vote on Election Day. The promise of EDR is that every citizen, including significant portions of the population that have traditionally been marginalized, have the opportunity to participate in the democratic process.

Press release/statement

New Opportunities? Public Opinion on Poverty, Income Inequality and Public Policy, 1996-2002

The following report analyzes public opinion between 1996 and 2001. The report draws on over a dozen suveys commissioned by non-profit organizations, media outlets and foundations, as well as from two regularly conducted academic surveys. The results outlined in this report indicate that while long-standing disagreements about the causes of poverty endure, the public stands united in support of policies to make work pay and improve the standard of working families' lives.
Research
Tamara Draut

Crossing Divides: Executive Summary

The Executive Summary of the full report, Crossing Divides, examining four cases of policymaking during the 1990s -- the Earned Income Tax Credit, Individual Development Accounts, the Children's Health Insurance Plan, and Empowerment Zones -- suggests some emerging common ground among liberal and conservative policymakers.
Policy Briefs
Tamara Draut

Crossing Divides: New Common Ground on Poverty and Economic Security

Examining four cases of policymaking during the 1990s -- the Earned Income Tax Credit, Individual Development Accounts, the Children's Health Insurance Plan, and Empowerment Zones -- suggests some emerging common ground among liberal and conservative policymakers.
Policy Briefs
Tamara Draut

What $2,000 Buys

The version of reform now apparently on its way to a presidential signature is actually a step backward. 

In the media
New York Times
Adam Lioz

The Conflicted American

Keynote address to the National Network of Grantmakers about public opinion of poverty and inequality, given by Tamara Draut, Director of Demos's Economic Opportunity program.
Testimony and Public Comment
Tamara Draut

Overdue Reform: The Need for Statewide Computerized Voter Registration Systems

Anyone who has ever been stopped by a state trooper for a traffic violation knows that the computer systems used to maintain motor vehicle records are very technologically advanced. Sitting in their patrol cars, state troopers can instantly access vast amounts of centralized data about motorists. A comparable commitment to maintaining and accessing voter registration records, however, does not exist in most states -- a problem that undermines the effective functioning of American democracy.
Research

Expanding the Vote: The Practice and Promise of Election Day Registration

This report examines election day registration (EDR), an important reform measure that would help address some of the problems highlighted by the 2000 election. Currently, six states have election day registration - Wisconsin, Maine, Minnesota, Idaho, Wyoming and New Hampshire. As the research presented in this report shows, allowing voters to register and vote on election day helps to increase participation significantly and to ensure that all voters who arrive at the polls can vote.
Research
David Callahan

Expandiendo el Voto

  Spanish translation of "California Votes," an analysis of how implementing Election Day Registraion would affect California.  
Research

California Votes

ELECTION DAY REGISTRATION WILL PRODUCE HIGHER VOTER PARTICIPATION IN CALIFORNIA.
Research

New Report Details How Credit Card Companies Have Shifted the Cost of Credit to Those Least Able to Afford It

Washington, DC — Today in the United States, the credit card market is measured on a scale of billions. The amount of debt owed on credit cards in 2005 was $800 billion; $30 billion is how much lenders profit each year. Under the guise of "democratization" the federal government has deregulated the industry over the past 30 years, eliminating caps on interest rates and penalties. Those who can least afford it are paying the price.

Press release/statement

Democracy's New Challenge: Globalization, Governance, and the Future of American Federalism

In this groundbreaking report, Columbia University professor Mark Gordon grapples with one of the most important questions facing American democracy: What exactly is globalization and how is it affecting the ability of Americans to govern themselves through traditional civic processes? By focusing on the States and federalism, Professor Gordon looks at the area where our democratic processes are now most in flux as a result of globalization.
Research

Democracy and the New Federalism

On June 22 and 23, 2000, Demos convened a national workshop in New York City on “Democracy and the New Federalism”. The workshop was comprised of a diverse group of elected officials, community organizers, researchers, and policy analysts. In this report, we summarize and reflect on the insights that emerged during the workshop. We hope it will be useful to a wide range of people engaged in efforts to strengthen American democracy.  
Research

Lucy Mayo

Senior Vice President, Organizational Development
Lucy Mayo

Amy Traub

Former Associate Director, Policy & Research

Benjamin R. Barber

Former fellow