Congress Must Uphold the Right to Vote

Voting_OVRDay_2014In his State of the Union address, President Obama voiced a deep hope held among Latino and many other American voters: the need for a better politics “where we appeal to each other’s basic decency instead of our basest fears…where we debate without demonizing each other; where we talk issues, and values, and principles.” That was the preface to a list of issues our country needs to address, and chief among them is protecting the right to vote.

This year marks the 50th anniversary of the Voting Rights Act, which has been reauthorized four times, including under Presidents Ronald Reagan and George W. Bush, and with support from both parties. That spirit of collaboration is now needed once again. The Voting Rights Act requires preclearance of changes to voting laws or practices in certain jurisdictions that have a record of discrimination. In 2006, it was reauthorized for 25 more years. However, in 2013 the Supreme Court ruling in Shelby County v. Holder struck down the formula that determines which jurisdictions are subject to pre-clearance, leaving Congress to design an updated formula. To date a new formula remains absent.

But while Congress has not acted, the same cannot be said of a number of jurisdictions. No longer required to prove that voting practices do not engender racial discrimination, several jurisdictions rushed to change their laws. On the same day the Shelby decision was announced, for example, Texas implemented a voter ID law that had been previously blocked by preclearance requirements.

While only two incidents of voter fraud have been documented in the last 14 years, the state passed one of the most restrictive voter ID laws in the nation, in spite of evidence that it could disenfranchise hundreds of thousands of eligible voters. Interestingly, while Texas accepts a concealed handgun license for voting purposes, it rejects student identifications.

Voter integrity has been a hot topic of debate in recent electoral cycles, and it reaches a boil particularly around election time. Here’s the thing: state and local actions for the most part have been about imposing additional restrictions to the franchise, such as requiring certain forms of ID, but not about ensuring that all eligible Americans have easier access to the voting booth. All this even though, as in the case of Texas, voter fraud has been rare or unproven by many of the jurisdictions that enacted these laws. We believe that voter fraud is wrong and should be addressed; it is also rare and does not warrant laws that are likely to deny thousands of legitimate voters their sacred right to vote.

Voter ID laws are but one of many ways that some jurisdictions have belittled the voice of voters. Many voters are being subjected to restrictions on nonpartisan group voter registration, cuts in early voting periods or polling locations, changes from single-member to at-large districts, allowances for larger amounts of undisclosed money to pour into elections, and other measures. We are getting dangerously close to a system in which politicians can choose their voters—not the other way around. That not only devalues voters, it devalues our system of government.

We think it’s time for a serious discussion about voter integrity, and for Congress to continue the bipartisan tradition of upholding the franchise. May the 50th anniversary of the Selma marches serve as the inspiration we need, to remind us that the best way to honor the work and sacrifice of so many is to ensure that equal access to the voting booth remains unhindered.

Weekly Washington Outlook — January 26, 2015

White House at Night
What to Watch This Week:



On Monday, the House will meet at meet at 12:00 p.m. for morning hour and 2:00 p.m. for legislative business. Votes on legislation under suspension of the rules will be postponed until 6:30 p.m:

1) H.R. 514 – Human Trafficking Prioritization Act (Sponsored by Rep. Chris Smith / Foreign Affairs Committee)

2) H.R. 515 – International Megan’s Law to Prevent Demand for Child Sex Trafficking (Sponsored by Rep. Chris Smith / Foreign Affairs Committee)

3) H.R. 357 – Human Trafficking Prevention Act (Sponsored by Rep. Sean Patrick Maloney / Foreign Affairs Committee)

4) H.R. 468 – Enhancing Services for Runaway and Homeless Victims for Youth Trafficking Act of 2015 (Sponsored by Rep. Joe Heck / Education and Workforce Committee)

5) H.R. 469 – Strengthening Child Welfare Response to Trafficking Act of 2015 (Sponsored by Rep. Karen Bass / Education and Workforce Committee)

6) H.R. 246 – To improve the response to victims of child sex trafficking (Sponsored by Rep. Joyce Beatty / Education and Workforce Committee)

On Tuesday, the House will meet at 10:00 a.m. for morning hour and 12:00 p.m. for legislative business and will consider legislation under suspension of the rules:

1) H.R. 398 – Trafficking Awareness Training for Health Care Act of 2015 (Sponsored by Rep. Renee Ellmers / Energy and Commerce Committee)

2) H.R. 460 – Human Trafficking Detection Act of 2015 (Sponsored by Rep. Mark Walker / Homeland Security Committee)

3) H.R. 350 – Human Trafficking Prevention, Intervention, and Recovery Act of 2015 (Sponsored by Rep. Kristi Noem / Judiciary Committee)

4) H.R. 159 – Stop Exploitation Through Trafficking Act of 2015, as amended (Sponsored by Rep. Erik Paulsen / Judiciary Committee)

5) H.R. 181 – Justice for Victims of Trafficking Act of 2015, as amended (Sponsored by Rep. Ted Poe / Judiciary Committee)

6) H.R. 285 – Stop Advertising Victims of Exploitation Act of 2015 (Sponsored by Rep. Ann Wagner / Judiciary Committee)

The House will also vote on H.R. 351 – LNG Permitting Certainty and Transparency Act (Subject to a Rule) (Sponsored by Rep. Bill Johnson / Energy and Commerce Committee)

On Wednesday, the House will meet at 9:00 a.m. for legislative business. Last votes expected no later than 3:00 p.m. The House will consider H.R. 399 – Secure Our Borders First Act of 2015, Rules Committee Print (Subject to a Rule) (Sponsored by Rep. Michael McCaul / Homeland Security Committee)

House Democrats travel to Philadelphia on Wednesday for the start of their 2 1/2-day, closed-door party legislative retreat. Obama plans to join them on Thursday.

On Thursday and Friday, the House may meet in pro forma session. No votes are expected.


The Senate this week will resume consideration of a bill to require the approval of the Keystone XL Pipeline (S.1). At 5:30 p.m. the Senate plans a roll-call vote on invoking cloture on the manager’s substitute to S. 1, authorizing construction of the $8 billion pipeline to transport crude from Canada to refineries in the Texas Gulf Coast. The White House veto threat cites the need for the State Department to finish its review of the project.

White House:

On Monday, the president is in New Delhi, India.

On Tuesday, President Obama travels to Saudi Arabia to meet with King Salman bin Abdul-Aziz Al Saud and other officials to pay respects after the death of King Abdullah.

On Wednesday, the president is slated to participate in the ceremonial send-off for Defense Secretary Chuck Hagel.

On Thursday, President Obama is expected to speak at the House Democrats’ policy retreat in Philadelphia.

Also this Week:

Appropriations – In the next few weeks, the Senate next may turn to another bill under a veto threat: H.R. 240, a House-passed appropriations measure that would bar Obama from implementing his executive order delaying deportation of undocumented immigrants. The underlying bill would fund the Homeland Security Department through Sept. 30. McConnell said he’ll try to clear the House bill despite the president’s veto threat. The legislation is unlikely to garner the required 60 votes needed to end debate and put the bill up for a vote.

Attorney General – The Senate Judiciary Committee will hold confirmation hearings Wednesday and Thursday on Obama’s nomination of Loretta Lynch to succeed Eric Holder as U.S. attorney general. Senate Judiciary Chairman Grassley (R-Iowa) said Lynch’s confirmation may be a platform for members to press the Administration on immigration. Lynch is widely expected to be confirmed by the committee and the full Senate as early as February.

Budget – The Congressional Budget Office (CBO) this afternoon will release its yearly outlook of the national budget and economy as well as budget projections from now through 2025 starting at 2 p.m. CBO Director Douglas W. Elmendorf will give a press briefing at 3 p.m.

Education – The Senate Health, Education, Labor and Pensions Committee will hold a hearing Tuesday on teacher and school leader support under No Child Left Behind. On Wednesday, the committee will markup the “Strengthening Education Through Research Act.”

Health – The House Energy and Commerce Committee’s Health Subcommittee will hold a hearing on Tuesday called “Examining Public Health Legislation to Help Patients and Local Communities.” The committee will review a series of bills related to domestic public health. On Thursday, the Senate Health, Education, Labor and Pensions Committee will hold a hearing on employer wellness programs.

Housing – The House Financial Services Committee plans a hearing Tuesday on sustainable financing of housing. Federal Housing Finance Agency Director Mel Watt is scheduled to testify.

Immigration – The House will consider a border security bill on Wednesday.  The legislation sponsored by Chairman Mike McCaul (R-Texas) would require the Department of Homeland Security to establish “operational control” of the entire Southern border by blocking all unlawful entries in five years. The bill passed in the Committee strictly along partisan lines.  The legislation faces opposition from Democrats who would prefer more realistic border security measures and from some conservatives because it does not address the president’s actions on immigration.

Labor – House Democrats will reintroduce the Federal Employees Paid Parental Leave Act at a 1 p.m. press conference Monday. The legislation would provide up to six weeks of paid parental leave for federal employees.

Tax – House Speaker John Boehner (R-Ohio) and Senate Majority Leader Mitch McConnell (R-Ky.) suggested they were open to one part of President Barack Obama’s State of the Union tax pitch: tripling the maximum Child and Dependent Care Tax Credit for those with kids under 5. Boehner: “We’ll take a look at this when he sends his budget up, something that could be looked at in the overall context of simplifying our tax code and bringing rates down for everyone.”

The Promise of the Affordable Care Act Must Reach All Communities

Since the Affordable Care Act (ACA) was signed into law, more than 15 million Americans have received some type of health coverage. This open enrollment period alone has seen almost 7 million new sign-ups. Still, there are many more to reach, especially in the Latino community, where one in four remains uninsured.

The lesbian, gay, bisexual, and transgender (LGBT) Latino population is a community that is especially vulnerable to disparities. They often require special health care needs, and in some instances the ACA now provides important protections and benefits to ensure LGBT people can access that care.

New civil rights provisions in the ACA expressly prohibit discrimination on the basis of race, class, sex, age, disability, and certain other categories. The provision, known as Section 1557, applies nondiscrimination protections to any and all health programs that receive funding from the federal government. The federal Health Insurance Marketplace and the plans sold through it are all covered under this nondiscrimination provision.

For many LGBT people living with HIV, diabetes, cancer, or other chronic conditions, even obtaining health coverage has long been a challenge. Before the ACA, having a preexisting condition meant that someone could be legally barred from getting insurance. Now companies must adhere to strict rules that disallow companies from refusing health care to anyone with any preexisting condition.

Reaching communities that are especially susceptible to our health system’s disparities is paramount if the promise of the ACA is to be fulfilled. We must communicate what the ACA means and connect eligible individuals to information and resources necessary to understanding their options for enrolling in a plan that meets their budget and needs. Let’s work to make sure the promise and benefits of the ACA reaches our entire community!

The deadline to enroll in coverage through the Marketplace is February 15, 2015. To learn more, head to or call 1-800-318-2596.

This Week in Immigration Reform — Week Ending Jan. 23


Week Ending January 23

This week in immigration reform: President Obama defends executive action in annual speech to the country; House to vote on border security bill; states propose legislation affecting DREAMers; and Elle Magazine profiles the story of Anabel Barron, an immigrant mother and staff member at a NCLR Affiliate.

NCLR kept the community informed on immigration with staff quoted in Las Américas, El País, andMSNBC.

President Promises to Protect Administrative Relief in the State of the Union Address: In his State of the Union address, President Obama outlined a plan to promote the economic vitality of the middle class, to improve access to education and workforce training, and to ensure the progress made over the past six years isn’t reversed by partisan policies. Additionally, the president promised to block any legislation seeking to end administrative relief for millions of families. NCLR issued a press statement responding to the speech, including a statement by President and CEO Janet Murguía: “We are pleased to hear the president reiterate his plans to defend administrative relief regardless of any attempts by Congress to backtrack on this issue. His executive action will make our economy stronger, our country safer, and millions of American families more stable. The new Congress now has a choice to make on immigration—improve the situation, or make it worse. We hope they’ll choose to be agents of progress by finally delivering sensible and effective immigration legislation.”

House Republican Leadership to Bring Enforcement-only bill up for a vote: A border security bill, the “Secure Our Borders First Act,” will come to the floor for a vote next week in the House. The bill, sponsored by Congressman McCaul (R-Texas), would impose penalties for federal agencies that fail to meet certain requirements, like achieving “operational control” of the border in five years. “Operation control” would mean preventing every single illegal border crossing. NCLR opposes this enforcement-only approach which sets up unrealistic measures and wastes taxpayers’ dollars by throwing more money at flawed programs.

Congresswoman Roybal-Allard chosen to manage Homeland Security budget bill:  House Democrats tapped Congresswoman Lucille Roybal-Allard (D-Calif.) to oversee the annual Department of Homeland Security budget bill, the first Latino to serve in that role. APolitico article highlights how critical it is to have a Latino voice in the DHS funding debate, especially one that understands the human aspect of immigration with a dedication to protect the children of immigrants. “I have young Dreamers who because of the president’s policy have been able to go to college and get education and they come back to the community as teachers and attorneys. There’s tremendous value,” Roybal-Allard said. “That doesn’t mean we shouldn’t protect our borders, but I think everything depends on the premise, where we start.”

Nebraska and Virginia take action on policies regarding DREAMers: This week, a bill was introduced in Nebraska to allow DREAMers to obtain driver’s licenses in the only state with a policy barring DACA-recipients from getting a license. According to an Associated Press article, the bill has support from not only immigrant advocates, but business interests as well. The Nebraska Cattlemen Associate and the Nebraska Restaurant Association have both voiced support for the measure, emphasizing the economic benefits of immigrant workers in a state facing a labor shortage. “This is about growing Nebraska and being pro-business,” said Kristen Hassebrook, a lobbyist for the Nebraska Cattlemen Association. “We’re looking for people who want to live in rural Nebraska, who have the requisite skills to work with us, and who want to do the work that we do. And often, the folks at the top end up being from an immigrant background.”

In Virginia, a bill barring DREAMers from receiving in-state tuition failed to pass the Senate, partially as a result of immigrant advocates and protestations by undocumented immigrant students. A Washington Post article notes that, even if the bill passed the Virginia Legislature, Virginia Governor Terry McAuliffe (D) said he would veto the “counterproductive and mean-spirited” legislation.

NCLR Affiliate staff member and advocate profiled in Elle magazine: Anabel Barron was born in Mexico, but grew up in a large family in San Antonio. She eventually came to live in Lorain, Ohio with her four U.S. citizen children. One day on her way to work, she was stopped for speeding and, unable to provide a driver’s license, was picked up by Border Patrol and placed in deportation proceedings. With help from community based organization, HOLA, support from her local church community and pro bono assistance from a local attorney, Anabel was granted a stay of removal, providing her with work authorization and a temporary Social Security number, enabling her to get a U.S. driver’s license. Anabel now works at NCLR Affiliate, El Centro and is hoping to go back to school for a degree in social work. Her story has a happy ending, but millions of families are still under the threat of deportation. President Obama’s executive action attempts to ease those fears. However, a comprehensive solution to a broken and harmful immigration system is needed to protect families, to grow the economy, and to ensure America stays true to its ideals. Read the entire profile.

Congress Should Not Impede the Nation’s Progress


(This was originally posted to Huffington Post’s Latino Voices)

The president’s sixth State of the Union address to Congress last night was heavy on the actions our country should take to build on the progress that American families have made over the past two years, thanks to a recovering economy. In a statement today, NCLR President and CEO Janet Murguía called on policymakers to continue expanding opportunities for hardworking families and protect programs that have improved the lives of millions of Latinos.

“We implore lawmakers to pursue a legislative agenda that will continue to secure the economic futures of all Americans, including Latinos, by promoting policies that help create quality jobs, ensure our workforce has the necessary training and education available to compete in the 21st-century job market, protect vital tax credits for working families, and open up credit access to qualified home-buyers,” said Murguía.

A number of policy proposals aimed at improving conditions for working families were announced in the days leading up to the State of the Union address. Among them is a plan to extend tax credits to middle- and low-income families. We strongly support this much-needed change in policy that will surely help many more Americans reach their full potential.

Murguía also expressed support for President Obama’s proposal to cut fees on Federal Housing Administration loans, which would enable more first-time homebuyers to purchase a house. On the education front, the president further outlined his plan to make higher education more affordable for millions of hardworking students. This is especially crucial for Latinos. Our community has seen significant increases in high school graduation and college enrollment rates, but more must be done to guarantee that quality higher education remains affordable and accessible for everyone.

“Pursuing policies that open opportunities and provide Americans with the tools to achieve their dreams is not a Republican or Democratic ideal—it is an American ideal,” said Murguía. “We echo the president’s call for both parties to work together so they can find common ground to continue moving this country forward.”

Smiling DoctorPresident Obama also addressed the Affordable Care Act, emphasizing his administration’s success in enrolling more Americans. At NCLR, we have been actively working with our Affiliate Network and other national organizations in mobilizing and enrolling as many Latinos as possible in health insurance. In fact, over the past year, nearly seven million people have signed up for coverage, resulting in a significant drop in uninsured Hispanics.

On administrative relief, one of the most significant policy changes for nearly five million immigrants, the president defended his action and vowed to veto any bill that would undo it.

“We are pleased to hear the president reiterate his plans to defend administrative relief regardless of any attempts by Congress to backtrack on this issue. His executive action will make our economy stronger, our country safer, and millions of American families more stable,” said Murguía. “The new Congress now has a choice to make on immigration—improve the situation, or make it worse. We hope they’ll choose to be agents of progress by finally delivering sensible and effective immigration legislation.”

Find out more about our 2015 legislative agenda in our report, “State of Hispanic America: Striving for Equitable Opportunity.”

Kansas City Welcomes NCLR and Affiliates on Road to 2015 Conference


The countdown to the 2015 NCLR Annual Conference kicked off yesterday in Kansas City, Mo., as community and city leaders gathered to reflect on the historic and continued positive impact of the Latino population in the region.

“It is our full intention to put the spotlight on so many who have made contributions in so many positive ways and highlight the strength of that diversity as we bring the Conference here,” said NCLR President and CEO Janet Murguía.

Watch highlights from her remarks:

The NCLR Annual Conference—the largest national yearly gathering of the Hispanic community in the United States—will be held July 11–14 at the Kansas City Convention Center. The Conference attracts thousands from throughout the country and features workshops, town halls, and nationally recognized speakers. In addition, tens of thousands take part in the yearly National Latino Family Expo®, which is set to include free workshops, health screenings, and activities for the whole family.

  • Get more information and register now here.

Also on hand yesterday were Kansas City, Mo., Mayor Pro Tem Cindy Circo and Kansas City, Kansas, Mayor Mark Holland. Attendees included members of local NCLR Affiliates as well as other government and civic leaders.

“Immigration has been the driving force behind the growth of Wyandotte County in every stage of its life,” said Holland. “We need to be sharing that message more vocally and clearly. Having NCLR here for its Conference gives us the opportunity to showcase the positive impact that immigration is having in our community.”

“The diversity that we have, and expanding that and opening up opportunities to the rest of the community, means economic development,” said Circo. “We’re looking forward for everyone to come to Kansas City to enjoy our vibrancy.”

Check out some of the social media highlights from the event.

The Work of the Fair Housing Act Is Not Yet Complete

HousingDiscrimination_blogpic_newHomeownership is a cornerstone of the American Dream and often a doorway to greater opportunity. The family that is able to buy or rent in a neighborhood with a thriving local economy is undoubtedly more likely to find the kinds of quality, well-paying jobs that will help them move up the economic ladder. Children who are able to attend good school systems have a greater chance of moving on to higher education and achieving their professional dreams. Choosing where to settle down is a decision with tremendous implications for a family’s future.

Unfortunately, not everybody is given a fair shot at living in the communities of their choice. The Fair Housing Act, signed into law more than 45 years ago to end discriminatory housing practices, has been an essential safeguard for Latino families who would otherwise have been denied equal access to housing. Yet housing discrimination persists at alarming rates—more than three million cases every year. NCLR research shows that even in communities with a longstanding Latino presence, such as San Antonio, housing discrimination is still an issue that Latinos face on a regular basis.

Having just gone through a housing crisis that wiped away generations of wealth from communities of color who were disproportionately targeted with predatory lending practices, it is clear the Fair Housing Act is needed now more than ever. However, a challenge in the Supreme Court could irrevocably alter this essential legislation for the worse. Today the Supreme Court heard oral arguments on a case that will determine whether the use of disparate impact within the Fair Housing Act can continue to protect against discriminatory housing policies.

Family in front of houseAs it stands, disparate impact prohibits housing policies that result in discrimination, regardless of intention. For example, when a community passes a local ordinance outlawing families larger than four people to sign a rental lease, the result is an unintentional limitation on rental options for large families—families who may be living with multiple generations under one roof or have relatives visiting from their home countries for extended periods of time. These types of policies, which enable racial exclusion to persist, are kept at bay by provisions of the Fair Housing Act.

If our nation is to live up to its highest principles of fairness, justice, and opportunity, then the Supreme Court cannot chip away at the critical protections offered under the Fair Housing Act. If we allow these discriminatory policies to persist, we will forever have a nation in which people who make the same incomes, have the same financial profiles, and have the same credit scores, will not achieve the same results—simply because housing service providers can employ separate but unequal systems that perpetuate discrimination. Discrimination, even if it is unintentional, must be eradicated in order to foster more diverse and inclusive communities that empower Americans to seek out opportunity and fulfill the American Dream.

Latinos, the Majority of Small Business Employees, Have Limited Access to Retirement Savings

By Ana Pupo, Public Policy Fellow, NCLR

Photo:, Creative Commons

Photo:, Creative Commons

Aside from Social Security, the most common way for the majority of Americans to save for retirement is through workplace payroll deductions into retirement plans. In fact, our country promotes saving for retirement with tax incentives that will amount to approximately $2 trillion over the next ten years. Unfortunately, about two-thirds of Latino workers won’t benefit from these generous tax incentives because they work for smaller companies that cannot afford to offer any type of retirement savings plan for their workers.

Overall, Latinos are far less likely to have dedicated retirement savings than Whites—almost 70 percent of Latinos do not have retirement accounts compared to less than 40 percent of White households. And while it’s essential that everybody save for retirement, it’s particularly prudent for Latinos to have their savings in order because they not only have longer life expectancies than their peers, but they also are a younger, rapidly growing segment of the American population. Without the necessary investments into retirement plans, Latinos will likely be forced to stretch every dollar of their retirement savings to ensure that those funds last longer than they might have expected.

One complicating factor is that Latino workers are over-represented in small businesses that have fewer than 50 employees. Figure 1 demonstrates this “bottom-heavy” distribution.


Figure 1

Small employers operate with low profit margins and are often unable to offer benefits such as retirement plans. For instance, as of 2011, employers with fewer than 10 employees only sponsored retirement plans about 13 percent of the time, while firms with 10–49 employees did slightly better at 29 percent. In comparison, large businesses with over 1,000 employees offered these plans more than 65 percent of the time, and public sector employers did so over 79 percent of the time.

Economic downturns also force many small businesses to reduce employer contributions to savings or drop retirement plans altogether. It is no surprise, then, that recent trends show Hispanics have actually become less prepared for retirement over the past few years. Between 2002 and 2006, the share of Hispanics who participated in an employer-sponsored retirement plan in the private sector declined by an average annual rate of 0.9 percent.


Today, public policy discussions center on the economic pressures of the baby boomer generation. But given the demographic shift going on in this county, attainable retirement options for Latinos and other communities of color must also be addressed as lawmakers work to better secure the future of the nation’s aging population. What works for the next generation of retirees may not be a long-term solution to prevent future retirees, including far too many Latino workers, from being in a vulnerable position as they leave the workforce.

What Latinas Need to Know About Cervical Cancer

By Marcela Vargas, Project Coordinator, Institute for Hispanic Health, NCLR


January is Cervical Cancer Awareness Month. It is particularly important to us here at NCLR because of the impact it has on the Latina community. In 2011, Latina women had the highest rate of cervical cancer out of all racial and ethnic groups. In the same year, Latinas had the second-highest death rate due to cervical cancer out of the same groups. The sad reality about these rates is that they could very easily decrease if we took more time to worry about preventive health. With that in mind, here are three things you should know about cervical cancer:

  1. All women can get cervical cancer. While all women are at risk for cervical cancer, certain factors can increase the chances of getting the disease. Having HIV or a condition that weakens the immune system puts you at higher risk for getting cervical cancer. In addition, smoking or having used birth control pills for at least five years also increase the risk. Lastly, women who have given birth to three or more children are more likely to develop cervical cancer.
  2. Cervical cancer does not always cause symptoms. Many times, we do not think to go to the doctor until we are not feeling well. In the case of cervical cancer, we cannot take this risk. It often does not cause any symptoms. In the rare cases that it does, symptoms do not occur until the disease is in its advanced stages.
  3. There are ways to prevent cervical cancer. There are several ways to protect yourself. Regular Pap tests help catch cervical cancer when treatment is still simple. It is also important to follow up with your health care provider if your Pap test results come back abnormal. Using condoms during sexual activity and not smoking will also help protect you from cervical cancer.

The good news about all of this is that there are resources for women to get themselves screened. In 2015, as a result of the Affordable Care Act, Pap tests are covered by insurance companies at no cost to you. If you still do not have insurance, the National Breast and Cervical Cancer Early Detection Program provides access to cervical cancer screening services.

A 21st-Century Economy Cannot Afford to Be “English-Only”

By Nancy Wilberg Ricks, Senior Policy and Communications Strategist, Wealth-Building Policy Project, NCLR

FMLA_LatinoFamily_2015Whether or not a consumer speaks the English language should not make her rights any less defensible when they are violated. Consumers with limited English proficiency (LEP) represent a substantial portion of the nation’s growing economy. Unfortunately, multilingual offerings in the U.S. financial industry are grossly deficient. Latinos currently represent 16.7 percent of the U.S. population with a purchasing power estimated to reach $1.5 trillion by 2015. According to the 2010 U.S. Census, by 2015, one in three newborns will be Latino. Asian Americans and Pacific Islanders now represent the fastest-growing ethnic minority in the U.S. Many of these consumers do not operate primarily in the English language, and the 21st-century economy must adapt.

The U.S. financial market is all but an English-only industry. This presents immense obstacles for LEP families and the system needs to be modernized. Companies often market in Spanish and target Latinos, for example, but they do not offer subsequent services in Spanish once they’ve captured the business they sought or when a customer runs into trouble.

Federal agencies can lead the way in updating industry offerings to better communicate with consumers in their preferred languages. For example, the Federal Housing Finance Agency could create a new field on mortgage origination forms where homebuyers can indicate their language preference. This document then follows the borrower throughout the life of the loan and should inform servicers of the language in which a borrower should be communicated.

CFPB_LogoThe Consumer Financial Protection Bureau (CFPB) can also play a critical role in responding to LEP needs. The Bureau has already excelled in transforming the fine print to benefit the everyday consumer. Examples include new regulations to mandate that credit card companies put repayment information into plain language and requirements that remittance companies clearly indicate fees when a consumer sends money back to family members in his or her country of origin.

The CFPB must now move to the next level by fully integrating LEP consumer needs into new regulations. Earlier this January, NCLR submitted with its partners formal public comment that included recommendations to improve the way the CFPB serves LEP consumers. With these revised practices, the CFPB is establishing itself as the gold standard among federal agencies’ approach to LEP consumers.

Looking ahead, we encourage the CFPB to go even further by developing additional provisions for how the financial services sector interacts with LEP consumers. We know that that Spanish-speakers are disproportionately concentrated among those without bank accounts and they are subject to relying on fringe or high cost products because providers appeal to borrowers in Spanish. A modern financial industry must become multilingual to create a healthy economy that works for all.

The CFPB was created to ensure all consumers have access to fair and reasonable financial products, and we are encouraged by this focus on the needs of LEP borrowers—borrowers who are often the most vulnerable.