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We, the undersigned consumer, small business, labor, good government, financial protection, community, health, environmental, and public interest groups - strongly urge you to oppose S. 3468, the Independent Agency Regulatory Analysis Act of 2012. This legislation is likely to be marked up in the

Demos conducted a nationwide survey of low- and middle-income households in early 2012. The findings in this brief summarize the relationship between college costs and credit card debt, and its impact on students and their parents.

Household debt is burdening millions of families and stifling economic growth in the nation as a whole. In the first half of 2011, 11 million American households – more than one in five homeowners – owed more on their mortgages than their homes were worth.1 Millions of families have already lost

Widely shared middle-class prosperity has made the United States the most hopeful and dynamic country on earth. 

More than two years after the recession officially ended, 25 million Americans – 16 percent of the labor force – are still out of work or underemployed.1 There are more than four jobseekers for every job opening. 6.2 million people have been out of work for more than six months. While the economic

Americans believe that hard work should be rewarded – people who go to work every day should not then be forced to raise their families in poverty. Yet today nearly a quarter of working adults in the U.S. are laboring at jobs that do not pay enough to support a family at a minimally acceptable level

In 1935, with the passage of the Social Security Act, our national leaders made a promise to all citizens: after a lifetime of hard work, no older American would suffer from poverty in their old age. The passage of this landmark legislation was the embodiment of a deeply shared value: a dignified

Personal debt can stand as an insurmountable obstacle to Americans wishing to build assets and secure a place in the middle class. In addition to the critical last resort of bankruptcy relief, Americans need fair rules to ensure that lenders – from credit card companies to mortgage lenders to

Provide 12 weeks of paid benefits to employees who need time off work to care for a new child, a sick family member, or their own illness. The self-financing trust is funded by premiums paid equally by employers and employees.

Give states additional Child Care and Development Block Grant funding to double the number of children served by child care assistance, make the federal Child and Dependent Care Tax Credit refundable, and expand Head Start and Early Head Start.