Experian Boost comes with downsides for consumers, according to Amy Traub, associate director of research at the public policy group, Demos. She said lenders will be able to use the data they glean from consumer bank accounts in ways the public may not understand.
"It also allows them to make marketing decisions: who to promote which products to, how to get us hooked on the products that are most profitable and lucrative for the lender, " said Traub.
As Mark Huelsman, a policy analyst at Demos, an advocacy group tweeted: "the average family inheritance to a white college grad can pay off the average undergrad debt balance and have enough left over for a 20 percent down [payment] on a $575,000 home." That’s assuming the inheritor has student debt to begin with.
Souls to the Polls is a time-honored tradition, often led by clergy, to activate and engage congregants to exercise their right to vote that starts long before Election Day. It is a mobilization strategy to make the process of voting easier for their congregants. But sadly, voter suppression efforts targeting minorities in subtle and overt ways continue to make Souls to the Polls a critical service — placing the burden of voter education and empowerment on the backs of churches and other civil society organizations, not the government.
December 10, 2018 is the 70th anniversary of the Universal Declaration of Human Rights. In 1948, in the aftermath of the fall of the Nazi regime, the United States joined many countries in the world and signed the Declaration. Several of the rights listed in the document were already within the U.S. Constitution, but some were not. We have done particularly poorly in living up to the Declaration’s call for a right to an adequate standard of living, including food, housing, and medical care.
Demos strongly urges the Department of Homeland Security to withdraw the proposed rule to radically enlarge the list of criteria that will be used to decide whether an immigrant is likely to become a “public charge.”
Chiraag Bains, a former prosecutor and civil rights attorney at the U.S. Justice Department, said that because criminal codes are so complicated, prosecutors have an incredible amount of flexibility in deciding whether and how to bring a case. Prosecutors normally consider the culpability of the individual, the severity of the offense and what kind of penalty is necessary to deter future misconduct.
Home ownership is a major contributing factor to the racial wealth gap, as Demos, a left-of-center think tank, previously argued in a 2015 report. Seventy-three percent of white households own their home, Demos found; in sharp contrast, home ownership drops to 45 percent among black households.
Instead of putting money towards changing these systems — by funding efforts to make college free across the country or by making it easier for low-income students to get access to decent public K-12 education, for example — wealthy donors tend to funnel their money into causes that keep the system they benefited from in place, Giridharadas said.
“There’s plenty of risk embedded in taking on a student loan,” says Mark Huelsman, an associate director at the think-tank Demos. “Student debt can impact the ability to buy a house, impact the ability to save for retirement, or save for a rainy day or a crisis.”
Sure there are reasons not to borrow, but Huelsman says, on an individual level — if the difference between a small loan is finishing college or not finishing — that’s a different story.
Last week, ballot initiatives to improve the functioning of democracy fared very well. In Florida — a state divided nearly equally between right and left — more than 64 percent of voters approved restoring the franchise to 1.4 million people with felony convictions. In Colorado, Michigan and Missouri, measures to reduce gerrymandering passed. In Maryland, Michigan and Nevada, measures to simplify voter registration passed.
Meanwhile, the overall cost of net tuition, fees, room and board rose 69 percent at public universities between 1997-98 and last year, even after being adjusted for inflation, according to the College Board. That’s a period during which the Census Bureau reports that median household earnings fell.
In the lead up to this year’s midterm elections on Nov. 6 we’ve heard about how young adults, women and people of color are running for office in record numbers.
We just filed this emergency lawsuit to protect the rights of eligible Ohio voters who were recently arrested and are being held in jail, unable to get to the polls.
Demos requests that the Department of Justice investigate a potential violation of Section 11(b) of the Voting Rights Act by the President of the United States.
We secured another win for voters in our Ohio voter purge case, A. Philip Randolph Institute (APRI) v. Husted. Voters who were removed from the voter rolls in Ohio without adequate notice will now be able to participate in Tuesday’s midterms.
November 1st is Latina Equal Pay Day, marking the date when the typical Latina woman’s wages since January 1, 2017 finally catch up to what the typical white man was paid in calendar year 2017.
Such lawsuits from the right have yielded mixed results, in part because voting rights advocates like the ACLU, Common Cause, Demos, the Lawyers’ Committee, the League of Women Voters and the NAACP have successfully fought back in court. Private groups defending voters have filed more suits to protect voters than the Justice Department itself in recent years. [...]
Similar interim rules were in place for the 2016 elections and more than 7,500 residents used them to vote, said lawyers for Demos and the American Civil Liberties Union of Ohio, two groups that sued the state.