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Campaign Finance and Rules">Campaign Finance and Rules
- Campaign Finance and Rules">Campaign Finance and Rules
U.S. House members and state representatives are elected by district. Those districts are updated each decade after the census in a process known as redistricting.
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Ethics and Accountability">Ethics and Accountability
- Ethics and Accountability">Ethics and Accountability
Democracies require openness and honesty in government. This means government policymaking and institutions function in public view.
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Lobby Reform">Lobby Reform
- Lobby Reform">Lobby Reform
Political advocacy is a cornerstone of democracy. This includes the ability to lobby public officials. However, professional lobbyists may exert outsized influence on policymakers.
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Civic Engagement and Volunteer Service">Civic Engagement and Volunteer Service
- Civic Engagement and Volunteer Service">Civic Engagement and Volunteer Service
Civic engagement can take many forms: individual volunteerism, organizational development and leadership, public service, and electoral participation.
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Student Loans">Student Loans
- Student Loans">Student Loans
In 2020, Americans owed $1.5 trillion in outstanding student loan debt, second only to mortgage debt.
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Home Mortgage Lending">Home Mortgage Lending
- Home Mortgage Lending">Home Mortgage Lending
Homeownership is crucial step to building wealth. Home equity is Americans’ largest asset.
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Housing Finance System">Housing Finance System
- Housing Finance System">Housing Finance System
The housing finance system is essential to creating a robust and competitive consumer mortgage market.
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Reverse Mortgages">Reverse Mortgages
- Reverse Mortgages">Reverse Mortgages
A reverse mortgage is a loan secured by the value of a home. It does not require payments as long as the borrower lives in the home.
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Small-Business Lending">Small-Business Lending
- Small-Business Lending">Small-Business Lending
Small businesses are a foundational element of the American economy. There are 30.7 million small businesses in the U.S., and they employ 47 percent of all workers.
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Consumer Debt Problems">Consumer Debt Problems
- Consumer Debt Problems">Consumer Debt Problems
Older adults carry more consumer debt into their later years than ever before, including mortgage, credit card, and even student loan debt.