Emily DiVito (@EmDiVito) header
Emily DiVito (@EmDiVito) profile picture

consumer protection, housing, banking/finance, and tax for @Groundwork | former @rooseveltinst and US Treasury | @wellesley and @columbiaSIPA

St. Petersburg, FL and NYC
Joined July 2009
Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)Photo by Emily DiVito (@EmDiVito)
Emily DiVito retweeted
NEWS: the Dallas Cowboy Cheerleaders have unionized and the Cowboys have agreed to recognize the union
94
2,445
495
25,516
793,409
Emily DiVito retweeted
Happy NFL kickoff! Now pay up. Whether you're tailgating or watching on TV, this football season is the most expensive yet. Cookout staples are up 10% from a year ago. Watching every NFL game on TV will run you $1,000. From @EmDiVito, @ENPancotti, and Kylee Countryman:
2
10
3
21
5,173
🚨 NEW: Homeownership is slipping out of reach — especially for young Americans. The median-priced home now costs +$400,000. Something is broken. Our new housing plan borrows an idea that helped families buy affordable starter homes more than a century ago: the Sears “house in a box.”
3
9
18
3,241
New paper from @EmDiVito, @AlexSJacquez, and me featured in @washingtonpost today. We propose building 500k high-quality, factory-built homes over 8 years and selling them directly to families across the country. More below 🧵
1
7
18
1,425
A huge thank you to our amazing summer interns! Your work has been invaluable, and we wish you all the best in what's next. Sohum, Charlotte, Natalie, and Kaylee: thank you for everything!
3
1
2
11
7,267
Emily DiVito retweeted
The bill explicitly protects lots of coupons and discounts through loyalty programs and much more. You’re still going to get 10% off at your favorite store on your birthday (if they want to give that deal to you). Seniors and veterans still get their discounts too.
.@BusinessNYS opposes surveillance pricing ban arguing it’ll eliminate coupons (bill sponsors disagree): “It’s important for the public to understand that these discounts are not disappearing because businesses chose to end them, but because the Legislature is banning them.”
1
5
1
17
7,069
Emily DiVito retweeted
Just after 12:30 AM and @TishJames’ top priority — to ban surveillance pricing — just passed both houses. Big time issue, big time victory. ✅✅
10
21
1,848
time to bring back my and @ENPancotti's greatest piece of writing ever -- our 2024 substack about the red lobster bankruptcy announcement:
How private equity gutted local malls: Joann Fabrics, Red Lobster, Claire's, and more.
4
3
15
3,239
.@ezraklein and @DKThomp are spot on: you can't solve the housing crisis without addressing financing. It's clear: we can’t deregulate our way to affordability.
8
9
8
34
17,318
Emily DiVito retweeted
NEW from me: The White House (and many economists) expected $700 to $1,000 higher refunds, on average. The reality is closer to $375. Bottom line: Yes, refunds are higher in 2026 (and likely to be the highest ever). But it's less of a spending boost (and cushion against higher gas prices) than many expected. economyheather.substack.com/…
45
109
31
316
70,880
Annual Tax Day reminder that Trump killed Direct File and now taxpayers have no choice but to shell out millions a year to TurboTax ✌️
5
6
34
2,065
Emily DiVito retweeted
Last week, @Groundwork's @EmDiVito detailed how hundreds of thousands of borrowers are facing collection of "zombie" loans they thought were long gone. Today, @SenWarren is demanding answers from Russ Vought for dropping the ball.
1
7
8
1,600
Match Group, the biggest name in online dating, sold personal data to a facial recognition firm. They were just fined $0. You're not the customer, you're the product.
The FTC just settled with OkCupid and Match Group for secretly handing nearly 3 million users' dating profile photos and location data to Clarifai, a company that builds facial recognition software(!!!). The penalty? A promise not to do it again.
4
8
18
2,005
As if the Great Recession wasn't haunting enough, debt collectors are going after the "zombie" mortgages left over from the era. My piece for @BorrowerJustice explores the predatory behavior that's threatening families with *decades* of back interest on loans -- or eviction.
1
9
1
16
2,257
New report (with a rad cover) out today from @Groundwork: We can't deregulate our way to housing affordability. The real crisis isn't too much regulation — it's a broken financing system.
3
8
1
21
2,804
Getting more public money into the capital stack can mitigate developers' req. to chase rent growth: 1. Fannie and Freddie can buy mezzanine construction loans. 2. FHLB can better support construction. 3. More states / cities can set up revolving loan funds and equity programs.
1
1
214