How the Dodd-Frank Wall Street Reform and Consumer Protection Act will bring greater security to American consumers, investors and Main Street businesses.

"We've got to deal with the conflicts. If I hire S&P or Moody's to be my consultant and show me how I can do this and that to get an investment-grade rating or [an] even higher rating, they obviously have a conflict of interest there." "That's right. I think the compensation model... where the

Young adults have an enormous stake in the financial regulatory reform debate. They have paid a high price for a banking crisis caused by lax regulation, and their economic futures will depend on rebuilding strong public structures for financial regulation going forward. This briefing paper

The major credit rating agencies, Moody’s, Standard & Poors, and Fitch, bear a heavy burden of responsibility for the financial meltdown. It was their seal of approval that enabled Wall Street to develop a multi-trillion-dollar market for bonds resting on a foundation of tricky loans and bubbly

Public Works began this far-reaching effort with groundbreaking analysis and thorough, multifaceted research that examined Americans' attitudes toward the public sector. This research, which was originally conducted in 2004–2005 by the FrameWorks Institute and re–tested in 2008–2009 by the Topos

[RELATED: Read Demos' Letter in Support of the SAFE Banking Act, here.]

Congress now has the opportunity to erect new public structures guaranteeing stability, transparency and competition in banking.

Taxes support the government services that undergird the quality of life Americans enjoy. As communicators, we must promote this unique and foundational role that taxes play. We can do this by explicitly communicating the relationship between the purpose of taxes and the well-being Americans

Increasing numbers of low- and middle-income families use credit cards for basic living expenses. As health care costs have increased and health insurance coverage has become inadequate, medical expenses have become another basic cost that families increasingly cover through credit cards.

"Public structures" has proven to be an effective organizing idea for more constructive conversations about the role of government in American life. The concept was first developed by the principals of the Topos Partnership in research they conducted for Public Works in 2005, and since then, it has