How bad a problem is inequality? Are working-class people getting screwed? Should we raise taxes on the rich? Is the United States, in short, a fundamentally unfair place? These are the questions that keep awake policy analysts and fuel endless dinner-party debates. But there's one group that is not losing very much sleep over them: rich folks.
The FDIC estimates there are 10 million people living in the U.S. who do not have a bank account — that’s one out of every 13 households. Nearly 33 percent of people living in Starr County, TX can’t write a check. In one census district in Savannah, GA, over 42 percent of residents are unbanked. The unbanked are usually poor, often minorities, and find themselves shunned by banks that can’t make money off them. Typically, they end up turning to predatory check cashers and payday lenders. Many also feel a great sense of social division between themselves and those who have bank accounts.
By offering low-fee checking accounts, Walmart dares to go where most big banks won't. Few major financial institutions are willing to give lower-income Americans checking accounts these days -- without exorbitant fees.
But, unlike the big banks, Walmart really needs low-income customers.
On Sept. 21, an estimated crowd of 100,000 people will flood the streets of Midtown Manhattan to march together on a single issue: climate change. The People’s Climate March, taking place two days before the UN’s global summit on climate, is the culmination of 6 months of planning and outreach by a growing coalition, ranging from labor unions to racial justice and indigenous organizations to tried-and-true environmental groups.
While the de Blasio administration and the City Council work through the details of a bill that would prohibit employers from reviewing the credit histories of potential hires, liberal advocates are pushing for passage of the strongest possible version of the legislation.
It’s the classic Catch-22 of the doomed job search: How do you get a job? You need experience. And how do you get experience? Get a job. But for many, the unemployment cycle gets further twisted when it intersects with the debt cycle. When prospective employers run credit checks, a bad report becomes a financial scarlet letter. ...
A bill that aims to “prohibit discrimination based on one’s consumer credit history” by banning employers from doing credit checks on job applicants will be the subject of a City Council hearing set for 10 a.m. Sept. 12 at City Hall. [...]
According to an article by Amy Traub titled “Discredited: How Employment Credit Checks Keep Qualified Workers Out of a Job,” the practice of checking credit on prospective employees is legal under federal law.
Michael was a human being. This is a simple truth, Michael’s humanity. Yet it is also implicitly a fragile insight, one that the police indifference to the dignity of his corpse and to the sentiments of his gathering neighbors suggests that many officers failed to grasp.
A number of states have laws demanding citizens produce documentary evidence of citizenship to register to vote. These laws have far-reaching implications for voter participation in our democracy.
I remember the stunned reaction of so many Americans back in the summer of 2005 when legions of poor black people in desperate circumstances seemed to have suddenly and inexplicably materialized in New Orleans during the flooding that followed Hurricane Katrina.
Expressions of disbelief poured in from around the nation: “How can this be happening?” “I had no idea conditions were that bad.” “My God, is this America?”
From here to the Midwest, the actions of law-enforcement authorities form the big political topic of the summer of 2014.
Sen. Rand Paul (R-Ky.) — often labeled a tea party conservative — drew particular attention for his statements on the troubles in Ferguson, Missouri, following the shooting death of Michael Brown by a white police officer. He linked a “militarization of law enforcement” to a more general “erosion of civil liberties and due process.”
In 2010 and 2011, Maryland and New York took bold steps to correct the problem known as prison gerrymandering, a problem resulting from the United States Census Bureau’s practice of counting incarcerated individuals as residents of their prison cells rather than their home communities.
A year after a conservative U.S. Supreme Court majority gutted the crown jewel of the civil rights movement, the 1965 Voting Rights Act (VRA), the nation’s foremost voting rights attorneys say that racial discrimination in voting is rampant, especially in southern states where the the VRA helped to ensure access to the ballot.
U.S. Attorney Preet Bharara vowed that he has the “fearlessness and independence” needed to investigate Albany corruption as Gov. Andrew M. Cuomo is accused of interfering with his own corruption commission.
“If other people aren’t going to do it, then we’re going to do it,” Bharara said on the PBS’ program “Charlie Rose."
If being a parent often feels like a constant juggling act, it can be that much more challenging for single parents. Between work and parenting, it can feel like there’s never enough time, energy or money for the things you want to do. And that feeling may extend to your credit too. You may barely have time to check your credit, much less fix it.
At this year’s Netroots Nation conference, where speakers included Democratic luminaries like Massachusetts Sen. Elizabeth Warren and Vice President Joe Biden, the honor of delivering the opening keynote address went to Rev. William Barber, the president of the North Carolina NAACP and the driving force behind the state’s Moral Mondays demonstrations.
If one speech captured the tenor of this year’s Netroots Nation, it was Barber’s.
“Movements never came from D.C. down,” he bellowed. “Movements always come from Birmingham up, from Montgomery up.”
In pledging $50-million to strengthen America’s "flailing democracy," the William and Flora Hewlett Foundation has stirred criticism among liberal groups that in doing so it has jettisoned some of its core values.
In its three-year "Madison Initiative," named after James Madison, an American founder who warned against the "mischiefs of faction," the foundation says it will support groups looking to make adjustments to the legislative process so Congress can perform its basic tasks like passing annual spending bills, says Daniel Stid, who will lead the effort for Hewlett.