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The ability of consumers to save and grow wealth depends highly on their access to affordable, responsible financial services. However, many products and services are predatory, hurting consumers and stripping equity from their homes. This section of the website has information and resources on a variety of areas related to consumer credit and access to banking services, as well as mortgage lending and foreclosures. It includes information on the work Empire Justice Center and other consumer advocates do to ensure that consumers have access to affordable, responsible consumer financial products  


Consumer Protection is a Civil Rights Issue
By National Council of La Raza
During the Great Recession, Latino* families lost an entire generation of wealth.1 The reckless behavior of financial institutions, including banks, credit card companies, and mortgage lenders helped bring about a financial crisis that cost Americans millions of jobs, billions in tax-payer funded bailouts, and trillions of lost retirement savings. The lack of consumer protections allowed unscrupulous lenders to target communities of color with unfair and abusive financial products. Read More

Empire Justice Center 2017 State Administrative Priorities
As New Yorkers, we unite around the concepts of liberty, equality and opportunity. In 2017, Empire Justice Center’s top priorities will be focused on identifying and fostering ways to strengthen New York’s laws, our communities, and each other, to protect justice for ALL New Yorkers. Read More


Empire Justice Center Statement on CFPB Director Cordray Stepping Down
Consumer Financial Protection Bureau Director Richard Cordray has been a beacon for millions of Americans harmed by abusive financial services practices. Read More

Empire Justice Statement on Language Access Additions to the Uniform Residential Loan Application
On October 20, 2017, The Federal Housing Finance Agency (FHFA) announced its decision to add a preferred language question to the redesigned Uniform Residential Loan Application (URLA) by the end of 2017. Read More


Empire Justice Comments to CFPB Concerning Small Business Lenders in Rochester, NY
While the public CRA lending data adds to our understanding of the CRA performance by banks in their communities, compared to the publicly available HMDA data, the current formulation of the data has severe limitations. Read More

Empire Jusitce Comments on Protecting the Mortgage Insurance Fund
Empire Justice Center's comments focus on how HUD’s current foreclosure alternatives program for FHA-insured loans avoids unnecessary payment of insurance claims, and thus protects the mortgage insurance fund (Fund) and our communities. Read More



Policy Matters October 2017
Empire Justice Center's latest edition of Policy Matters. Read More



Know Your Rights: A Guide to Fighting Discrimination Against Transgender & Gender Non-Conforming New Yorkers Under the New York State Human Rights Law
Transgender and gender-nonconforming people in New York State are now clearly protected by our Human Rights Law (HRL), thanks to new regulations issued earlier this year. Our NEW GUIDE explains what gender identity-based discrimination might look like, and how to exercise your rights under the HRL. Read More


NYRL Report: Divergent Paths
Divergent Paths reveals wide variations in the implementation of foreclosure settlement conference rules. The wide variations in implementation have the potential to leave tens of thousands of New Yorkers at heightened risk of losing their homes. Read More





How the Bankruptcy Laws Can Help Your Client Survive Consumer Debt
This program provides a practical overview of federal and NYS bankruptcy laws. It shows non-bankruptcy practitioners how to effectively help their low-income clients survive consumer debt. Read More

New York's Foreclosure Process: From Standing to Settlement Conferences and Everything in Between
This presentation discusses and presents solutions to the procedural and substantive challenges in New York's Foreclosure Settlement Conference Process and updates practitioners on laws and regulations, legal issues, government programs, and resources to help homeowners facing foreclosure. Read More