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Letter from 31 civil rights, consumer, and community organizations urging the National Association of Insurance Commissioners (NAIC) to issue a recommendation that credit information no longer be used to determine eligibility for, or the cost of, auto or home insurance.
Testimony and Public Comment
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Supreme Court building cast half in light and half in shade from setting sun
Sergio Ramirez's case, TransUnion v. Ramirez, reveals how credit reporting companies like TransUnion have little incentive to invest in making credit reports more accurate and avoiding serious mix-ups.
Blog
Amy Traub
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Black Family Around the Table Paying Bills
Credit reports and scores control access to public goods people need. Yet, in the midst of a global pandemic and economic collapse, remaking the nation’s credit reporting system is not the top concern.
Blog
Amy Traub
Twelve years after starting college, the white female borrower has paid off 72% of her loan balance. Over the same time period, the typical Black female borrower's balance has grown by 13%.
In the media
Dayana Yochim
Twelve years after starting college, white men have paid off 44% of their student loan balances on average, while black men saw their balances grow by 11%, according to an analysis from Demos.
In the media
Jillian Berman
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Masked postman pushing dolly on empty street
The Postal Service faces a $13 billion revenue loss this fiscal year alone; If the Postal Service is allowed to fail, it will be a tremendous blow to all Americans.
Blog
Amy Traub
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Couple hugging
COVID-19 is a threat to everyone, but the economic damage resulting from medically necessary quarantines and shelter-in-place orders is neither random nor equally distributed.
Blog
Amy Traub
One New York State bill would interrupt the cycle of discrimination that comes with employment credit checks.
Testimony and Public Comment
Amy Traub
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Black History Month collage with Rosa Parks, Martin Luther King, Jr., Malcolm X, and others
We’re celebrating the first full week of Black History Month with a reality check on the biggest news stories this week.
Blog
Gwyn Ellsworth
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US Capitol Building in Washington D.C.
Demos experts weigh in on the myths and mistruths inherent in the 2020 State of the Union
Blog
Lew Daly
Mark Huelsman
Amy Traub
Laura Williamson