Automatic Voter Registration Will Make America a Real Democracy
Last weekend, California Governor Jerry Brown signed a historic bill making California the second state in the country to automatically register voters. The new legislation will give 6.6 million...
Last weekend, California Governor Jerry Brown signed a historic bill making California the second state in the country to automatically register voters. The new legislation will give 6.6 million eligible but unregistered voters an opportunity to exercise their citizenship right.
The bill, which registers voters who show up at the Department of Motor Vehicles to obtain a driver’s license or an identification card, follows record low turnout in last year’s midterm elections, for which only 42 percent of those eligible to vote in California went to the polls. California’s low turnout is a snapshot of what’s happening across the country.
Beset with long lines on Election Day, strict voter ID laws and teetering piles of paper records full of errors, the country’s voter registration system is fundamentally broken—leaving nearly a third of all eligible Americans unregistered to vote. By comparison, 93 percent of eligible voters are on the rolls in our neighboring country of Canada.
In the United States, we take pride in our democracy and freedom, and voting should serve as the cornerstone of that proud democracy. Automatic voter registration is critical to that democratic process.
Imagine if all 50 states implemented automatic voter registration. The Center for Popular Democracy did, crunched the numbers and found that a voter registration system collecting data from not just the DMV but also revenue agencies, the Postal Service and others could result in the registration of 56 million more voters. This is assuming that automatic voter registration systems would capture approximately 90 percent of the total electorate.
Right now, our state of democracy is far from what it should be. In the 2012 presidential election, a mere 133 million out of 215 million Americans eligible to vote exercised their right to do so. The U.S. ranks 120 out of 162 countries in electoral participation.
Our current outmoded paper-based voter registration system makes the process of registering to vote unnecessarily cumbersome, disproportionately disenfranchising low-income communities, blacks, Latinos and young people.
Roughly 62 million eligible voters are currently unregistered, either because they never registered or their registration information is incorrect. In a 2008 Current Population Survey, blacks and Latinos cited “difficulties with the registration process” as their reason for not registering to vote, while whites disproportionately reported not registering because they were “not interested in elections or politics.”
Automatic voter registration could change this scenario, and the tide is right now turning toward building a stronger democracy. Political leaders and grassroots movements across the nation are succeeding in pushing universal voter registration forward.
A strong democracy with easy access to voter registration would give power to communities frequently marginalized by the system. Universal automatic voter registration would provide power to push for causes such as affordable high-quality child care, better wages, job security and quality public education.
A truly democratic America doesn’t make its citizens jump through hoops to gain access to a basic entitlement: the right to vote. It’s time for automatic voter registration.
Source: Newsweek
One More Day of Protests Planned in St. Louis Area
New York Times - October 13, 2014, by Minica Davey and Alan Blinder - After demonstrations that varied from choreographed marches to tense late-night encounters with law enforcement agents,...
New York Times - October 13, 2014, by Minica Davey and Alan Blinder - After demonstrations that varied from choreographed marches to tense late-night encounters with law enforcement agents, protesters said they expected a series of acts of civil disobedience around the region on Monday, the last of four days of organized protest that has drawn throngs of people to the St. Louis area over questions about police conduct.
Leaders for the protests provided few details of their plans, except to say they would be employing a strategy used by demonstrators in North Carolina, who last year began staging weekly protests known as “Moral Mondays” in response to actions by the state government, which was newly controlled by Republicans. Those protests in Raleigh, the state capital, resulted in hundreds of arrests and served as a template for similar, smaller demonstrations across the South. The website for what organizers here have called a “Weekend of Resistance” said simply, “We’ll be hosting a series of actions throughout the Ferguson and St. Louis area.”
It is an area on edge after more than two months of demonstrations that began in Ferguson, the St. Louis suburb where an unarmed black teenager was fatally shot by a white police officer in August. In recent days, the displays of anger have spread to the city of St. Louis, where protesters have appeared at the symphony hall, outside playoff games for the St. Louis Cardinals and near the neighborhood where another black teenager was killed last week by a white off-duty police officer.
Early Sunday morning, tensions mounted between the police, dressed in riot gear, and a group of demonstrators who held a sit-in at the entrance of a St. Louis convenience store and refused to move. Seventeen people were arrested on accusations of unlawful assembly, pepper spray was used by some officers, and D. Samuel Dotson III, the city’s police chief, said he had seen a rock thrown at an officer and heard of other rocks being hurled.
Although some protesters spoke of plans for nonviolent demonstrations on Monday, organizers warned that frustrations had intensified because of the police response on Sunday morning. “Instead of de-escalating rising tensions in the city, Chief Dotson’s comments are inciting anger and making matters worse,” the organizers of many of the protests said in a statement early Sunday. The demonstrators, they said, “showed the best of our democracy, and the St. Louis police demonstrated the worst of their out-of-control law enforcement agency. The police brutalized peaceful people protesting their brutality.”
One question seemed to eclipse all other concerns here, among the protesters and the police alike: What will happen when a grand jury considering charges against Darren Wilson, the Ferguson police officer who shot Michael Brown, 18, on Aug. 9, returns its decision, perhaps next month?
“It may clearly be a flash point,” the Rev. Osagyefo Sekou said of the possibility that Officer Wilson would not be prosecuted. “People are going to be angry. There are definitely going to be protests.” In an interview before he spoke at a rally Sunday night, he added, “But this is part of a long struggle. It is part of a long struggle against police brutality.”
Chief Dotson, who walked amid the crowd during some of the weekend demonstrations and defended the police handling of the standoff early Sunday, was unwilling to make predictions. “I don’t have a crystal ball,” he said in an interview on Sunday afternoon. “We hope that the community recognizes that the process works.”
Preparing for Monday’s events, several dozen demonstrators sat in a church sanctuary on Sunday morning for what amounted to a tutorial on tactics of civil disobedience. Lisa Fithian, an experienced activist from Austin, Tex., pressed audience members to call out the reasons they were there. She heard responses like “anger” and “solidarity” from a crowd that included people from the American Federation of Teachers and St. Louis’s Coalition of Artists for Peace.
In a parking lot outside the church, Ms. Fithian spoke about breathing deeply to stay calm, especially as the authorities close in on a demonstration. She talked of remaining aware of where the police officers were posted along nearby streets. She explained possible responses by the authorities to an array of actions by a protester being taken into custody. She demonstrated the mechanics of going limp.
“It’s really essential to practice it,” she said. The crowd eventually returned to the sanctuary, where journalists were asked to leave. The organizers said they would be planning specifics of the protests.
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White House: Obama won’t discuss interest rates with Yellen
President Obama met with Federal Reserve Chairwoman Janet Yellen on Monday, but one of the most pressing topics for the central banker was not on the agenda.
Obama did not plan to discuss...
President Obama met with Federal Reserve Chairwoman Janet Yellen on Monday, but one of the most pressing topics for the central banker was not on the agenda.
Obama did not plan to discuss interest rates with Yellen, according to White House press secretary Josh Earnest. He argued such a conversation could undercut the chair’s independence in setting monetary policy.
“I would not anticipate that, even in the confidential setting, that the president would have a conversation with the chair of the Fed that would undermine her ability to make these kinds of critical monetary policy decisions independently,” Earnest told reporters ahead of the meeting.
The closed-door discussion is instead an opportunity to “trade notes” on broader economic trends in the U.S. and abroad, as well as on a new set of regulations on Wall Street financial firms.
Obama and Yellen talked about the growth outlook, “the state of the labor market, inequality and potential risks to the economy,” the White House said after the meeting.
Vice President Biden also attended the meeting with Yellen in the Oval Office.
The meeting comes at time when Yellen is grappling with whether to raise interest rates further amid conflicting signs about the health of the global economy.
Yellen hiked the benchmark rate to 0.25 percent last December, the first such increase since the 2008 recession.
But since then, the central bank has taken a cautious approach to further hikes.
Reserve officials left the rate unchanged last month and reduced their estimate of the number of increases that could take place this year from four to two.
Yellen said late last month the economic recovery remains on track in the U.S. despite signs of weakness abroad, such as low oil prices and anemic growth in China. Inflation has also yet to hit the Fed’s 2 percent target.
She indicated she would take a wait-and-see approach on rate hikes until the economy shows more signs of improvement.
“I consider it appropriate for the committee to proceed cautiously in adjusting policy,” she said in a speech at the Economic Club of New York.
Election-year politics could complicate the Reserve’s decision-making process.
Progressive groups are wary of further rate hikes, worried that upping the cost of borrowing could slow the pace of hiring and economic growth.
The left-leaning “Fed Up” campaign circulated a questionnaire to presidential candidates Monday asking whether the Fed “should be intentionally slowing down the economy in 2016” by raising rates.
Republican leaders have frequently accused Obama of being too reliant on Fed policy to drive the recovery, which they say hasn’t spread to large segments of the economy.
Obama hasn’t publicly commented on interest rates. But he has sounded a more optimistic tone than Yellen on the economy, trumpeting a string of positive employment reports and rising wages.
Jared Bernstein, a former chief economist for Biden, expressed confidence Yellen would be able to insulate her decision-making from the political debate.
“The Yellen Fed, and particularly Chair Yellen herself, has been extremely data-driven, and I expect that to continue,” he said.
“What will be motivating her is less electoral politics and more the actual state of the real economy,” he added. “People worried about the fed loosening in an election year to help the incumbent party. I don’t think that is in play this year.”
Did you know 67% of all job growth comes from small businesses? Read More
Obama does not meet frequently with the Fed chair to discuss the economy. Yellen’s last one-on-one sit-down with the president occurred in early November 2014.
“I think the president has been pleased with the way that she has fulfilled what is a critically important job,” Earnest said.
Even while he offered praise for Yellen, the spokesman said Obama “cares deeply about preserving both the appearance of and the fact of the independence of the Federal Reserve and the chair.”
By Jordan Fabian
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Charter School Issues Discussed
WBGZ Radio - February 1, 2015, by Dave Dahl - Charter schools in Illinois are in the cross hairs of a new report alleging a lack of accountability leading to between $13 million and $27 million in...
WBGZ Radio - February 1, 2015, by Dave Dahl - Charter schools in Illinois are in the cross hairs of a new report alleging a lack of accountability leading to between $13 million and $27 million in fraud.
“At a time when (Chicago Public Schools are) crying broke, and public schools are grossly under-resourced, and there’s a public demand for transparency and accountability around every corner,” says Action Now executive director Katelyn Johnson, “it seems unconscionable that CPS and the state of Illinois would not invest in rigid financial oversight of charter schools.”
Johnson’s group is supporting the Center for Popular Democracy in the report, “Risking Public Money.”
Andrew Broy has a differing viewpoint. He’s the president of the Illinois Network of Charter Schools and dismisses the other two groups as union-funded and anti-charter to begin with.
“The question” about accountability, he says, “is if there are challenges with an internal governing board, how do we uncover that and make sure it’s taken care of, and the current law equips districts with all the tools they need to make sure that happens.”
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Statement on Abercrombie & Fitch’s Ending of Just-in-time Scheduling
Following reports that Abercrombie and Fitch stores will no longer schedule employees for “on-call” shifts, an unnecessary scheduling practice that forces working people to put their lives on hold...
Following reports that Abercrombie and Fitch stores will no longer schedule employees for “on-call” shifts, an unnecessary scheduling practice that forces working people to put their lives on hold for hours every week without guarantee of work or compensation for their time, Elianne Farhat, Deputy Campaign Director for the Fair Workweek Initiative at the Center for Popular Democracy, released the following statement:
“Working families across the country understand that our time counts. Every hour put on-hold is an hour they cannot plan on using to spend quality time with loved ones, study for college classes or work a second job. On-call schedules unnecessarily disrupt working people’s lives and prevent us from being able to work hard and meet our off-the-clock responsibilities. We hope this announcement comes as part of a larger shift towards better scheduling practices at Abercrombie and Fitch, and we congratulate workers with groups like RWDSU and Retail Action Project for organizing and demanding an end to this unfair scheduling practice.
“Still, the fight goes on. Working people, just like those at Abercrombie & Fitch, are standing up across the country to demand fair schedules. Employers who use this unnecessary practice, like Bath & Body Works, Gap, Urban Outfitters and L Brands should follow suit and end on-call scheduling.”
Working parents and students as well as experts on scheduling and childcare issues are available for interviews.
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The Fair Workweek Initiative (FWI), a collaborative effort anchored by the Center for Popular Democracy (CPD), is bringing together leading worker, community and policy organizations across the country to raise industry standards and develop, drive and win policy solutions that achieve a workweek working families can count on.
The Center for Popular Democracy promotes equity, opportunity, and a dynamic democracy in partnership with innovative base-building organizations, organizing networks and alliances, and progressive unions across the country. CPD builds the strength and capacity of democratic organizations to envision and advance a pro-worker, pro-immigrant, racial justice agenda.
Presentan plan para obtener la ciudanía estatal en NY El proyecto concedería a los indocumentados neoyorquinos gran parte de los derechos que otorga la ciudadanía federal
El Diario - June 16, 2014 by Juan Matossian - Nueva York - Ante la inoperancia del Congreso para aprobar una reforma migratoria federal, legisladores neoyorquinos presentaron el lunes una...
El Diario - June 16, 2014 by Juan Matossian - Nueva York - Ante la inoperancia del Congreso para aprobar una reforma migratoria federal, legisladores neoyorquinos presentaron el lunes una propuesta para conceder la ciudanía estatal a los casi 2.7 millones de indocumentados del estado de Nueva York.
El proyecto de ley “New York is Home” (Nueva York es el hogar) concedería a los indocumentados neoyorquinos gran parte de los derechos que otorga la ciudadanía federal. Entre ellos, la posibilidad de tramitar una licencia para manejar, de obtener licencia profesional para trabajar, solicitar ayudas para estudiar en la universidad, acceder a cuidado de salud a través del Medicaid estatal, o de votar en las elecciones municipales y estatales.
“El estado debe de reconocer las contribuciones que hacen los residentes no ciudadanos que cumplen las reglas, trabajan aquí y pagan sus impuestos”, dijo el senador estatalGustavo Rivera (D-Bronx), que introdujo la medida en la legislatura estatal junto al asambleísta Karim Camara (D–Brooklyn). “La inclusión de los inmigrantes en nuestro sistema político y económico nos beneficiaría, mientras su exclusión nos perjudica a todos”.
Si la ley es aprobada, los indocumentados deberían cumplir una serie de requisitos para ser elegibles para la ciudadanía estatal. Los principales serían tener una prueba de identidad, demostrar que se ha residido al menos tres años en el estado y que se han pagado los impuestos durante ese tiempo, y un compromiso de cumplir las leyes neoyorquinas y la constitución estatal.
Las posibilidades de que la propuesta salga adelante son escasas, después que Albany ha rechazado o ni siquiera ha querido votar medidas menos ambiciosas de ayuda para los inmigrantes, como el DREAM Act o la licencia de manejar para indocumentados. Además, la legislatura estatal cierra su curso legislativo esta misma semana, por lo que la ley no podrá ser votada hasta el otoño.
El otro gran objetivo que persiguen los impulsores de la propuesta, que está respaldada por una gran coalición de organizaciones pro inmigrantes como Make the Road New York o Hispanic Federation, es que otros estados también presenten sus planes paralelos y seguir metiendo presión al Congreso para que vote la reforma migratoria.
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Paid Sick Leave Now Mandatory for Most Businesses in Jersey City
The Jersey Journal - January 24, 2014, by Terrence McDonald - When Jersey City in September 2012 became the first New Jersey municipality to mandate that most private businesses provide paid sick...
The Jersey Journal - January 24, 2014, by Terrence McDonald - When Jersey City in September 2012 became the first New Jersey municipality to mandate that most private businesses provide paid sick leave for its workers, Mayor Steve Fulop predicted a legal fight.
Four months later, and no lawsuit filed, the measure is now law.
Fulop called today “very exciting.”
“I think it’s going to help tens of thousands of working families in Jersey City,” he said at an event at Saint Peter's University.
Jersey City is the sixth city in the nation to force private businesses to provide paid sick time. The law affects employers with 10 or more workers, and was opposed by state- and countywide business groups.
Paid sick time laws have become a favored cause of liberals and labor unions. Both groups hailed Jersey City when Fulop first proposed the measure last year, and they extolled the city again today.
“This law respects the dignity of workers, protects the public health and will mean savings for businesses big and small. When workers can earn sick days, everybody wins,” said Phyllis Salowe-Kaye, executive director of the New Jersey Citizen Action and spokesperson for the New Jersey Time to Care Coalition.
Other cities that have implemented similar mandates include Washington, D.C., San Francisco and Seattle. New York City, which passed a similar law last year, is set to strengthen it under its new, more liberal mayor.
Business groups have opposed the mandate wherever it's been implemented, but in San Francisco, which in 2006 became the first in the nation to require paid sick leave, thanks to a voter referendum, some who opposed the requirement subsequently said it hadn't affected businesses much, if at all.
An audit in Washington, D.C., found the law had not led to fewer businesses opening, though local businesses owners said they had cut back on hours.
Michael Egenton, a senior vice president at the New Jersey Chamber of Commerce, fears that paid sick leave, together with new health-care regulations and the state’s new minimum-wage increase, could convince businesses to relocate.
Egenton also expressed concern about local governments implementing these types of regulations.
“Whatever happened to the freedom of enterprise?” he said today, adding that he believes business owners will reward employees with benefits like paid sick time even if the government doesn’t force them to.
“If you’re a good worker, your boss will give you sick time,” Egenton said.
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Man with ALS confronts Flake on plane over tax bill vote
A progressive activist who identified himself as diagnosed with Lou Gehrig's Disease (ALS) confronted Sen. Jeff Flake (R-Ariz.) on an airplane this week over Flake's vote on the GOP tax-reform...
A progressive activist who identified himself as diagnosed with Lou Gehrig's Disease (ALS) confronted Sen. Jeff Flake (R-Ariz.) on an airplane this week over Flake's vote on the GOP tax-reform bill.
Activist Ady Barkan, a staffer at the Center for Popular Democracy, questioned Flake on Thursday after the Arizona Republican voted in favor of the GOP tax-reform bill that passed the Senate in a late-night session last week. Videos of the 11-minute conversation were posted on Twitter.
Read the full article here.
Black Community Seeks the Power of the Ballot
For black communities in the United States, presidential election participation rates are strong and momentum is building.
In 2012, black voters showed up at the polls in the largest...
For black communities in the United States, presidential election participation rates are strong and momentum is building.
In 2012, black voters showed up at the polls in the largest numbers (66.2 percent) and voted at a higher rate than non-Hispanic whites (64.1 percent) for the first time since rates were published by the U.S. Census Bureau in 1996.
Black Americans tend to vote Democratic in presidential elections. This was true by historic margins in President Barack Obama's 2008 and 2012 victories
- 95 and 93 percent, respectively. And their turnout rate in 2016 could be an important factor in deciding the next president of the United States, especially in a tight race.
That's good news for black community leaders who want to ensure their voices are heard and hold future leaders accountable.
The 2014 and 2015 cases of deadly police force against unarmed African-Americans have galvanized a tech-savvy generation of activists to inject new life in an age-old push for racial, economic and social equality.
More and more, movements such as Black Lives Matter are becoming international household names and are holding candidates accountable to specifically address and push for legislation on these issues.
One such organization, Black Alliance for Just Immigration (BAJI), engages and advocates on behalf of African-American and black immigrant communities on issues of racial justice and immigrant rights.
BAJI's policy and legal manager, Carl Lipscombe, says part of the greater push nationwide to organize and bring to light instances of police brutality results from what he describes as a community-wide fear of "being killed when walking to the corner." He says these police cases are enhanced by the advent of social media and by the ability to capture events on camera that wasn't possible in the 1980s.
Lipscombe says candidates must do more than "throw a bone" if they expect communities of color to go to the polls in droves.
"It's not enough to just say we want free education for everyone," Lipscombe said. "We want to know how this is going to impact black people."
According to the U.S. Bureau of Labor Statistics, the unemployment rate among blacks in the United States, at 9.4 percent, remains significantly higher
- nearly double
- than the overall rate of 5 percent nationwide.
Black wealth also has declined. The non-partisan Economic Policy Institute, in coordination with the liberal research institution Center for Popular Democracy, reports that black workers' wages have fallen by 44 cents on the hour in the past 15 years, while wages of both Hispanic and white workers have increased by approximately the same amount.
The Migration Policy Institute reports that black immigrants from Africa are better educated than the overall U.S. population, age 25 and older.
In 2007, 38 percent held a four-year degree or more, compared to 27 percent of the U.S. population. Yet, black immigrants earn lower wages and hold the highest unemployment rate in comparison to other immigrant groups, according to the Center for American Progress.
Bakary Tandia, case manager and policy advocate at African Services Committee, a Harlem-based agency dedicated to assisting African immigrants, refugees and asylees, says progress is necessary across all levels of government.
"Even if you take the case of [New York City Mayor Bill] de Blasio," Tandia said, "he is a progressive mayor, but in his administration, I have not seen any African immigrant appointed or in a meaningful position, and the same thing goes at the state level, at the federal level."
Grass-roots coordinators say anti-immigration rhetoric among some presidential candidates has fueled electoral participation, as well as greater community leadership.
Steve McFarland, whose organizing efforts include get-out-the-vote campaigns among disenfranchised communities in New York, says the immigration reform movement, combined with the work of Black Lives Matter, has produced a new generation of civil rights leaders.
"It doesn't look the way that it used to look," McFarland said. "It's not big organizations, but they can mobilize people, they have a clear voice, and they are winning changes across the country."
Ahead of the 2016 presidential primaries, there is good news for Democratic frontrunner and former secretary of state Hillary Clinton. She currently enjoys an 80 percent favorability rating among adult blacks, the highest positive net rating of all candidates, according to a recent Gallup poll.
Clinton, who has met privately with Black Lives Matters activists, specifically addressed racial profiling in an October speech at Clark Atlanta University.
"Race still plays a significant role in determining who gets ahead in America and who gets left behind," Clinton said. "Racial profiling is wrong, demanding, doesn't keep us safe or help solve crimes. It's time to put that practice behind us."
Source: Hong Kong Herald
Payday lenders must be stopped from preying on the poor: Guest commentary
Payday lenders must be stopped from preying on the poor: Guest commentary
Payday lending has come under attack in recent years for exploiting low-income borrowers and trapping them in a cycle of debt. The problem has grown to such an extent that last month, the Consumer...
Payday lending has come under attack in recent years for exploiting low-income borrowers and trapping them in a cycle of debt. The problem has grown to such an extent that last month, the Consumer Financial Protection Bureau proposed new rules to rein in the most egregious abuses by payday lenders.
Yet payday lenders are not alone in profiting from the struggles of low-income communities with deceptive loans that, all too often, send people into crushing debt. In fact, such targeting has grown common among industries ranging from student loan providers to mortgage lenders.
For decades, redlining denied black people and other communities of color access to mortgages, bank accounts and other important services. Today, black and brown women are similarly being “pinklined” with lending schemes that deny them the opportunity for a better life.
A recent report underlines the toll these practices have taken on women of color. Among other alarming statistics, the report shows that 6 out of 10 payday loan customers are women, that black women were 256 percent more likely than their white male counterparts to receive a subprime loan, and that women of color are stuck paying off student debt for far longer than men. It also shows that aggressive lending practices from payday lending to subprime mortgages have grown dramatically in recent years.
In Los Angeles, debt is a dark cloud looming over the lives of thousands of low-income women all over the city.
Barbara took over the mortgage for her family’s home in South Central Los Angeles in 1988. She had a good job working for Hughes Aircraft until she was injured on the job in 1999 and took an early retirement. To better care for an aging mother living with her, she took out a subprime loan for a bathroom renovation.
The interest rate on the new loan steadily climbed, until she could barely afford to make monthly payments. She took out credit cards just to stay afloat, burying her under an even higher mountain of debt. To survive, she asked her brother to move in, while her son also helped out with the bills.
Numerous studies have shown that borrowers with strong credit — especially black women and Latinas — were steered toward subprime loans even when they could qualify for those with lower rates.
Women of color pay a massive price for such recklessness. The stress of dealing with debt hurts women in a variety of ways.
Alexandra, a former military officer, lost her partner, the father to her daughter, after a protracted struggle with ballooning subprime loan payments. The credit card debt she needed to take out as a result threatened her health, leaving her with hair loss, neck pain and sleep deprivation. She eventually needed to file for bankruptcy to settle the debt.
Women of color are vulnerable to dubious lenders because structural racism and sexism already puts far too many women in economically vulnerable positions. The low-wage workforce is dominated by women, and the gender pay gap is significantly worse for women of color. Many women of color are forced to take out loans just to survive or to try to improve their desperate situations.
Predatory lending practices, and other corporate practices that deny communities opportunities and exploit the most economically vulnerable, have been allowed to proliferate for far too long. The Consumer Financial Protection Bureau began taking action on payday and car title loans last month, but more needs to be done.
Regulators must ensure all lending takes into account the borrower’s ability to repay, and that lenders do not disproportionately target and attempt to profit off of the least protected.
The payday lending rules acted on last month are a step in the right direction but don’t go nearly far enough. We have a lot of work ahead of us to ensure black and Latina women are not exploited by the 21st century version of redlining.
Marbre Stahly-Butts is deputy director of Racial Justice at the Center for Popular Democracy, of which Alliance of Californians for Community Empowerment is an affiliate.
By Marbre Stahly-Butts
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