Women and Predatory Lending

In Canada, women earn eighty-seven cents for every dollar earned by men. Women are less likely to be employed than men and are overrepresented in precarious jobs. Twenty-six per cent of female-led lone parent families live in poverty, compared to twelve per cent of those led by men. Given these statistics, it is somewhat unsurprising that payday loan use tends to occur more often in female-headed households.

ACORN Canada’s Protect Your Privacy-Online! Educational Program

This evaluation reports on the outcomes of ACORN Canada’s Protect Your Privacy-Online! project, funded by the Office of the Privacy Commissioner of Canada. This project consists of three workshops, offered in four Canadian cities and is designed to educate lower income Canadians about the Personal Information Protection and Electronic Documents Act (PIPEDA). PIPEDA is Canada’s Federal legislation that establishes rules for how private-sector organizations must protect the online privacy of Canadians.

Prêts abusifs: Un sondage sur les utilisateurs de services financiers alternatifs à taux d'intérêt élevé

Ce document analyse les résultats d'un sondage qu’ACORN Canada a mené à l’aide sur un échantillon de ses membres dans le but de comprendre pourquoi ils se tournent vers des services financiers alternatifs tels que les prêts sur salaire à taux d'intérêt élevé.

Le sondage révèle que la majorité des 268 répondants utilisent des services financiers à taux d'intérêt élevé, tels que les prêts sur salaire, qu’en dernier recours parce que les banques traditionnelles leur refusent les services de crédit adéquats.

Predatory Lending: A Survey of High Interest Alternative Financial Service Users

This paper analyzes findings from a survey by ACORN Canada of a sampling of its membership to understand why they turn to alternative financial services such as high interest payday loans. The survey finds that the majority of the 268 respondents turn to high interest financial services such as payday loans as a last resort because they are denied adequate credit services from traditional banks.

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Submission to CMHC's National Consultation on a Human Rights-Based Approach to Housing

By introducing a National Housing Strategy (NHS) and making a commitment to a rights-based approach to housing, the Federal Government is taking a significant step towards tackling Canada’s housing crisis. ACORN members welcome this national plan. Yet, we acknowledge that there is a long way to go to overcome the systemic issues that have led to so many homeless and under-housed Canadians.

Affordable for Who? : Redefining Affordable Housing in Toronto

Staggering rental costs in Toronto make it difficult for low-income individuals and families to find housing that is adequate, suitable and affordable. Since 2011, the average market rent of a one-bedroom apartment has risen by almost one third. Low and moderate income people are being forced out of the city, or left with nowhere to go. ACORN feels strongly that municipal programs offering “affordable” housing miss the mark, as the definition of affordability used by the City does not meet the needs of Toronto tenants. 

"We need people to be able to afford to live in this city" : The Urgent Need for New Affordable Housing in Toronto

With the municipal election looming, Mayor Tory has suddenly realized that Toronto is in the midst of a housing crisis. Rents are skyrocketing while vacancy rates are plummeting. Many of our most vulnerable community members live in substandard and precarious housing, struggling to make ends meet in a city that is pricing them out. 

Nova Scotia Province Wide Tenant Survey Report

In 2011 statistics, there were 390,280 private households across the province of Nova Scotia. 29% is listed as renter households. Almost a third of the population lives in a rental unit. There have been some bylaw changes made across the province in recent years aiming to improve rental housing conditions. However, as this report will show, there is still a lot to be done on both the provincial and municipal level.

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CCPA: Making Ends Meet: Toronto’s 2015 Living Wage

It has been six years since Toronto’s living wage estimate was calculated at $16.60 in 2008.

Since then, the cost of living has gone up: the cost of child care has risen by 30 per cent; rent has increased by 13 per cent; the cost of public transit has grown by 36 per cent. This report updates Toronto’s living wage to reflect what it takes for two working parents with two children to make ends meet in 2015. It’s based on the needs of a family with two parents and two young children ages 7 and 3. Each of those parents needs to earn $18.52 per hour, and work 37.5 hours per week, in order to afford the basics in life in this very expensive city.

Broadbent Institute: The Wealth Gap

In a new nationwide survey among 3,000 Canadians conducted by Greenberg Quinlan Rosner Canada for the Broadbent Institute, Canadians were asked about their perceptions of inequality and the distribution of wealth in Canada. The findings demonstrate that Canadians vastly underestimate how skewed the distribution of wealth actually is and think there should be a much more equitable distribution.

Metcalf Foundation: Better Work: The path to good jobs is through employers

Written by Metcalf Innovation Fellow and labour market policy expert Tom Zizys, the paper examines our under-performing labour market and challenges the popular notion that the threat to good jobs is inevitable.

Better Work chronicles the economic and political changes that have brought us to our current situation. It reconstructs the advent of our global economy and reflects deeply on its effect on employment practices. Central to its thesis is a simple proposition: workers are not a cost to be constrained but, rather, an asset to be invested in.

Among industrialized countries, Canada has the highest proportion of residents with a post-secondary education. Yet we also have the highest rate of degree holders working in jobs earning half the median income or less. We know there are many external factors at play, and that a rise in precarious employment and the widening gap between knowledge sector and entry-level jobs is creating income disparity. But the question remains, are we responding to the emergence of technology, globalization, and increased competitiveness in the most efficient and equitable way? Are our workplace practices, labour market institutions, and the norms and values that shape our economic thinking supporting the best interests of both employers and employees?

Metcalf Foundation: Profiting from the Precarious: How recruitment practices exploit migrant workers

There are over 338,000 migrant workers in Canada. This number has more than doubled since 2006. As Canada increasingly relies on a work force of transnational migrant workers with temporary status, an industry of third-party for-profit recruiters has emerged to match workers with jobs in Canada.

This report exposes how temporary foreign workers are paying thousands of dollars in recruiting fees — equal to as much as two to three years’ wages in their home currency — to work in minimum wage jobs in Ontario.

A People's Budget

The People’s Budget campaign was initiated as a response to the continuing evidence of the failure of the austerity agenda. Austerity measures have had a devastating impact on the people of Ontario, particularly its most vulnerable citizens. When even organizations such as the International Monetary Fund and the World Economic Forum are calling for a reconsideration of the austerity agenda, it is time for Ontario to chart a new course.

ACORN Housing Allowance Report

In 2006 the United Nations held a convention on the Rights of Persons with Disabilities. Article 28 states: “States Parties recognize the right of persons with disabilities to an adequate standard of living for themselves and their families, including adequate food, clothing and housing.”

“Adequate” does not include unhealthy and dangerous housing standards or negligent property owners.

Section 7 of the Canadian Charter of Rights and Freedoms“ guarantees the life, liberty and personal security of all Canadians.”

ACORN MEMBERS DEMAND a housing allowance that guarantees ODSP and OW recipients’ healthy housing where they can freely choose a home that guarantees their personal security from violence and negligent property owners.

The Hidden Epidemic: A Report on Child and Family Poverty in Toronto

The first comprehensive report on child and family poverty in Toronto since 2008 will be released by Children’s Aid Society of Toronto, Social Planning Toronto, Family Service Toronto, Colour of Poverty-Colour of Change, and the Alliance for a Poverty-Free Toronto .

New data in the report shows that Toronto is becoming an increasingly divided city. Where a child is born and raised in Toronto greatly influences their chances of success.

Metcalf Foundation: The “Welfareization” of Disability Incomes in Ontario

Canada’s disability income expenditures are rising at an unsustainable rate and the largest and fastest growing program is social assistance. Nowhere is this more evident than in Ontario where ODSP expenditures increased 44.8% between 2005 and 2010.

This report by Metcalf Innovation Fellow John Stapleton, provides critical insight into the intricate drivers behind the alarming rise of disability income expenditures.

Campaign 2000: 2013 Report Card on Child and Family Poverty in Canada

More than two decades have passed since the House of Commons’ unanimous resolution “to seek to achieve the goal of eliminating poverty among Canadian children by the year 2000” and four years after the entire House of Commons voted to “develop an immediate plan to end poverty for all in Canada.” Neither the promised poverty elimination nor plans have materialized.

ACORN Canada's submission to CMHC's rights-based approach to housing consultation

By introducing a National Housing Strategy (NHS) and making a commitment to a rights-based approach to housing, the Federal Government is taking a significant step towards tackling Canada’s housing crisis. ACORN members welcome this national plan. Yet, we acknowledge that there is a long way to go to overcome the systemic issues that have led to so many homeless and underhoused Canadians. 

Broadbent Institute: Networked Change in Canada

This groundbreaking report maps out the strategies and practices that lie behind today’s most successful advocacy campaigns both in Canada and abroad. In the process, it demonstrates how and why they succeed in creating lasting change on the issues they address while so many others fail. Based on a study by authors Jason Mogus and Tom Liacas that looked at mostly U.S.-based case studies, this report now presents similar innovations in Canada by reviewing in depth case studies of eight breakthrough Canadian campaigns. The report’s goal is to transmit a model that can be learned and replicated by other campaigners for how to blend grassroots participation and organizing with disciplined central planning to win.

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