Credit card debt continues to threaten the financial stability of many low- and middle-income families in the United States, hampering their ability to save and move up the economic ladder. When shortfalls arise, credit has been the only available safety net to help these families make ends meet. In

Even before the downturn, millions of households were experiencing difficulties meeting the most basic expenses. Now, as families experience declining home values and tightened credit markets, many are falling behind on their mortgage and credit card payments.

We have analyzed the likely impact on voter turnout should Vermont adopt Election Day Registration (EDR). Under the system proposed in Vermont, eligible voters who miss the current six-day deadline for registering by mail may be able to register to vote on Election Day. The availability of Election

2007 was the first year that the North Carolina General Assembly seriously considered Same Day Registration. SDR bills had been introduced in prior years and attracted legislative support, but never gained sufficient traction. This report recounts North Carolina's road to Same Day Registration from

Election Day Registration (EDR), which allows eligible voters to register and cast a ballot on Election Day, is a reform that reduces the unnecessary disfranchisement of eligible voters that may be caused by arbitrary registration deadlines.

We have analyzed the likely impact of adoption of Election Day Registration (EDR) by the Commonwealth of Massachusetts.

Testimony of Demos Democracy Program Director Stuart Comstock-Gay before the Nebraska Legislature's Government, Military, and Veterans' Affairs on Election Day Registration.

By passing EDR legislation, Nebraska would be taking a major step towards expanding access to the democratic process to all Nebraskans.

In the Red or In the Black? looks at whether household savings serve to protect families from incurring unsecured debt, and in turn, whether the presence of unsecured debt acts as a barrier to savings and wealth accumulation.

Since the 2000 election, a historic effort has been underway in the United States to strengthen voting systems across all 50 states and to address obstacles to broader electoral participation. At both the federal and state levels, however, efforts to advance a reform agenda have been frequently