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Consumer


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  



ARTICLES

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



IN THE NEWS

Empire Justice Center Statement on Governor Cuomo's Hate and Human Rights Laws Expansion
The horrifying events that transpired in Charlottesville this past weekend showed us all that we have a long road ahead of us to reach a place where hate has no home in our hearts. We all have a responsibility to stand for what it right. Read More

Empire Justice Stands with Immigrants & Their Families
Empire Justice Center is proud to be one of more than 180 organizations across the country to stand up and speak out against the completely un-American attack on immigrants proposed by Senators David Perdue (R-GA) and Tom Cotton (R-AR), and championed by President Donald Trump. Read More



POLICY ADVOCACY

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

Empire Justice Memo of Support: New York State Must Require that Student Loan Servicers be Licensed
Student loan servicing has generally gone unregulated in New York State, and confusion about student loans is common among borrowers, in part because there are no common rules. This bill would set a baseline level of procedures and protections to provide common sense notice and protections for borrowers. Read More

 


NEWSLETTERS

Policy Matters July 2017: Session Wrap
Empire Justice Center's latest edition of Policy Matters. Read More

 


PUBLICATIONS

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

 

 

 


TRAINING AND EVENTS

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