Why over a lifetime, 401k fees can cost a median-income two-earner family nearly $155,000 and consume nearly one-third of their investment returns.

States are failing low-income communities and our nation's democracy by not adequately complying with federal law that requires human services agencies to provide voter registration services.

American families are struggling in an increasingly volatile economy defined by job instability, continued layoffs in the guise of "downsizing", and declining employee benefits--factors augmented by new trends like outsourcing and unfettered trade. The result is a fragile alliance between workers

This new Demos report, published in collaboration with Business Ethics Magazine, explores growing efforts by state and local governments to ensure corporate accountability. It looks at the changing role of state treasurers, labor pension funds, and others working to demand more responsible business

Associate Director of the Democracy Program Ludovic Blain testifies before the Vermont House Government Operations Committee regarding Election Day Registration.

While real income gains were realized during the economic boom over the latter half of the 1990s, the average American's credit card debt rose faster than ever before. While balances grew faster for white families than for African-American and Hispanic families, all groups experienced a significant

In April 2005 Demos urged Congress to recognize the fragility of our debt driven consumer economy when considering the bankruptcy "reform" bill (S. 256/H.R. 685) that had been passed by the Senate and was under consideration in the House of Representatives. American families are not suffering from

Many Americans have reduced the equity in their home to pay off credit card debts and cover day-to-day expenses. More troubling still is evidence that many appraisers fraudulently inflate property values during the buying or refinancing of homes. This paper explores the implications of appraisal

Passage of the bankruptcy bill would make it harder for families struck by financial misfortune to get back on track. It would benefit the very profitable ($30 billion in 2004) credit card industry at the expense of the modest-income families who represent the great majority of those who declare

Associate Director of the Democracy Program Ludovic Blain testifies before the Vermont Senate Government Operations Committee regarding Election Day Registration.