The Consumer Voice

Archive for February, 2010

Economic Justice For All

Thursday, February 18th, 2010 by Gerri Guzman, Executive Director

As I watch a White House concert honoring the music of the Civil Rights Movement, I am reminded of the stories I have heard from Consumer Rights Coalition members who feel they have been shut out our financial system.

The basic principles of the Civil Rights Movement are full inclusion and equal opportunity for all. Under these principles, we should all have access to financial services that allow us to provide for our families and maintain our households. For some this is the first step towards the American Dream; for others it simply allows us to remain independent and maintain our modest lifestyles with dignity.

Thomas Jefferson said, “That government is best which governs least.”  When dealing with economic regulation, the same should apply. Americans deserve real choices and access to a variety of financial services when deciding how to make ends meet or handle an unexpected emergency.  Government regulation should protect the public interest without eliminating or limiting the financial service options available to hard working Americans.

Now, much like the time of the Civil Rights Movement, participation and involvement in our legislative system is critical. We need to speak out to ensure everyone has opportunities for growth and self sustainability so that we cannot only survive, but prosper.

 

The Road to the American Dream

Monday, February 1st, 2010 by Gerri Guzman, Executive Director

In the 22 years that I owned and operated a beauty salon and supply store, the 12 hour days often grew tiring. But I never grew weary of the stories my clients shared during their visits or the stories I heard from constituents and neighbors when I was later elected to serve as the local City Treasurer and School Board Member.

The same life experiences are shared when community members and parents gather at their children’s schools and sporting events, townhall meetings, or when grabbing their morning coffee. These stories are always similar – the daily struggles that families go through to get ahead and to achieve the American Dream.

The American Dream to each family is as different as the road taken to attain it. To some it may mean providing a college education for their children; to others homeownership or owning a small family business. In these economic times, it often means having a job to go to in order to put food on the table or take your family to an occasional movie.

I can tell you none of these dreams come without struggle, sacrifice and hard work. And it goes without saying that everything about the “American Dream” is about having opportunity and financial resources.

I am convinced that after years of hearing individual stories from my clients and community members and now from the CRC consumers that it is vital that we all have a variety of financial choices and options. As American consumers we know best what works for our own family households.

In a perfect world, the U.S. banking establishment would open its doors to all, providing products, services and opportunities that accommodate all types of incomes and fiscal limitations. But in the absence of that perfect world, all Americans need responsible and affordable financial choices that help them reach their financial goals.

After all it is called the “American Dream”.

What is your dream?