Demos’s report details how historical and structural racism contributes to higher interest rates and insurance costs for Black and Latinx people, compared to white Americans.
The Disparate Impact standard is critical to continued and enhanced opportunity to access fair credit, housing, and homeownership. Demos strongly opposes efforts to undermine this longstanding enforcement tool.
Demos’ Race-Class Narrative (RCN) project developed an empirically-tested narrative on race and class that resonates with all working people and offers an alternative to—and neutralizes the use of—dog-whistle racism.
The left-leaning think tank Demos recently offered a bold, but seemingly obvious, proposition: Just scrap the private credit scoring system, and replace it with a government agency, accountable to the public.