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 this economic crisis, even though America’s households took on less credit card debt in 2008 than the year before, high levels of revolving debt from previous charges and compounding interest keep balances high and trap families in a vicious cycle.
Over the past eight years, even as the U.S. signed a number of new bilateral trade pacts, the U.S. government actually decreased its capacity for promoting strong labor standards and enforcing the labor provisions of trade agreements. The Bush Administration sought to slash funding for the Bureau of International Labor Affairs (ILAB) at the U.S. Department of Labor and, though it wasn't entirely successful in this effort, it still managed to significantly downsize the agency.
This report presents new evidence of how trade-related job losses are impacting women workers. It shows how women workers are concentrated in industries which have been drastically affected by the surge in cheap imports over the past decade. The report also shows that current policy responses to dislocations faced by women workers are woefully insufficient, with many laid off women workers receiving little help in securing comparably paying jobs or handling family obligations as they participate in retraining and conduct employment searches.
Allow me to thank the Chair and members of the Committee for this opportunity to testify before you today on Bill 18-345, the “Omnibus Election Reform Act of 2009.” I will focus my remarks on Sec. 301, the bill’s Same Day Registration (SDR) provisions.
Same Day Voter Registration (also known as Election Day Registration) permits eligible citizens to register and vote on the same day.
This fact sheet outlines some of the advantages of Same Day Registration, particularly its impact on voter turnout and its potential to ensure that every vote is properly counted, as well as a look at why we need Same Day Registration in America's "patchwork quilt of registration processes," and some success stories from states that have successfully utilized Same Day Registration in the 2008 presidential election.
It is becoming increasingly difficult for Americans to achieve and sustain a middle-class life. The costs of homeownership, healthcare and a college education have soared, while incomes have stagnated. According to the Middle Class Security Index, a measure developed by Demos and the Institute on Assets and Social Policy at Brandeis University, fewer than one third of middle-income families were securely in the middle class in 2006, while a quarter were at high risk of falling out of the middle class.
Today headlines are filled with stories of middle-class families struggling to survive the current downturn. But the problems of middle-class families did not start with the recession.
Between 2000 and 2006, the number of middle-class families that lacked economic security grew from 19 to 23 million. Decline in assets, the rising cost of housing, and more families lacking health insurance depleted middle-class economic resources, leaving millions of families poorly positioned to weather the current recession.
When Congress passed the National Voter Registration Act (NVRA) in 1993, its goals were to "increase the number of eligible citizens who register to vote in elections for Federal office" and "protect the integrity of the electoral process." Yet, while most states created effective programs for mail-in and Department of Motor Vehicles-based registration processes, many neglected the NVRA's social service agency requirements (detailed in Section 7).
Dear Senator:
I urge you to support S. 414, the Credit Card Accountability, Responsibility and Disclosure (CARD) Act of 2009, which is expected to come before the full Senate in the coming days. The legislation, introduced by Banking Committee Chairman Chris Dodd (D-CT), would outlaw several abusive lending practices in the credit card market.
The New York State Senate Committee on Elections began a series of public hearings on a package of election reform proposals.
The second hearing — taking place in New York City — includes testimony showing the potential for increased voter turnout from Same Day Registration, by Steven Carbo, Senior Program Director in the Democracy Program.
Dear Representative and member of the Financial Services Committee:
The undersigned consumer, civil rights, small business, investor, community and labor organizations representing tens of millions of Americans strongly urge you to vote for H.R. 627, the Credit Cardholders' Bill of Rights Act (Rep. Maloney), when it is brought to a committee vote as early as this Wednesday, 1 April 2009. The bill passed the House on an overwhelming 312-112 vote, as HR 5244, in September 2008. It enjoys broad public support.
Demos submitted this testimony from Demos President Miles Rapoport to the House Subcommittee on Constitution, Civil Rights, and Civil Liberties, highlighting the denial of voter registration opportunities for low-income voters and veterans, and underscoring the continued systemic problems with the voter registration in the U.S.
Allegra Chapman, Counsel in the Democracy Program, delivers testimony on the benefits of Election Day Registration before the Senate Education, Health, and Environmental Affairs Committee of the Maryland General Assembly.
The Contract for College would unify the existing three strands of federal financial aid — grants, loans and work-study — into a coherent, guaranteed financial aid package for students.
Allegra Chapman, Counsel in the Democracy Program, delivers testimony on the benefits of Election Day Registration before the House Ways and Means Committee of the Maryland General Assembly.
Demos President Miles Rapoport delivers testimony, highlighting Iowa's turnout for the 2008 General Election was the highest in state history largely as a result of EDR recently enacted in the state, EDR states have little to no instance of fraud related to EDR and election officials in EDR states support its efficacy as pro-voter legislation that opens access to the polls and limits the need for provisional ballots, before the Nebraska Senate Committee on Government, Military and Veterans Affairs.
Demos President Miles Rapoport delivers testimony before the Connecticut Joint Legislative Committee on Government Administration and Elections urging support for a bill introduced by Representative Andy Fleischmann to enact Election Day Voter Registration (EDR) in Connecticut.
Economic security for seniors was built on the three-legged stool of retirement (Social Security, pensions, and savings) at the core of the social contract that rewards a lifetime of productivity. Economic security of seniors, however, is being challenged by two simultaneously occurring trends: a weakening of the three legs of retirement security income and dramatically increasing expenses, such as for healthcare and housing.
Economic security for seniors was built on the three-legged stool of retirement (Social Security, pensions, and savings) at the core of the social contract that rewards a lifetime of productivity. Seniors’ economic security, however, is being challenged by two simultaneously occurring trends: a weakening of the three legs of retirement security income and dramatically increasing expenses, such as for healthcare and housing.