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Fair Debt Collection: Policy Advocacy

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Empire Justice Center Comments to CFPB on High Cost Installment Loans
If there is an unwillingness to ban high-cost payday lending outright on the federal level, then we call on the CFPB to act with great care to ensure that the rules only have the effect of regulating payday lending where it is legal, and not the unintended effect of opening the door to payday ending in states where it is illegal. Read More

Empire Justice Comments on Proposed Reforms Relating to Consumer Credit Collection Cases
Our comments in support of the Unified Court System proposed rules governing consumer credit collection cases and suggesting minor improvements to make them more effective. Read More

Empire Justice Memo of Support: Pass the Consumer Credit Fairness Act
Empire Justice Center strongly supports the Consumer Credit Fairness Act, A.9053(Weinstein)/S.7349(Savino), and urges its swift passage to ensure that debt collection actions are fair to consumers throughout New York State. Read More

New Yorkers for Responsible Lending Memo of Support for the Consumer Credit Fairness Act
NYRL, a statewide coalition of consumer advocates which Empire Justice is a member of, calls for the Consumer Credit Fairness Act to be enacted. Read More

Empire Justice Memo of Support: Pass the Consumer Credit Fairness Act
Our memo of support urging the legislature to enact the Consumer Credit Fairness Act. Read More

UPDATED: Don’t Legalize Debt Settlement Scams in New York State
This memo of opposition has been updated to reflect amendments to the bill. The bill now focuses on for profit budget planning. Read More

Empire Justice Center & Other NYRL Members Want Consumer Bureau to Broadly Define Who They Regulate in Certain Markets
Thirty-two members of NYRL urge the CFPB to define larger participants as broadly and as flexibly as possible, to ensure that the Bureau has maximum ability to directly supervise a wide array of institutions. Read More

Highlights from the 2011 Legislative Session
After all the emails, strategy sessions, meetings, Facebook updates and trips to Albany, the 2011 Legislative session closed with a huge amount of excitement about New York’s new civil rights law. Read More

NYRL Announces Campaign to Ensure Fair Debt Collection Practices
NYRL urges the passage of the NYS Consumer Credit Fairness Act to stop abuses of debt buyers. Read More

Empire Justice Memo of Support: Create Reasonable Licensing and Bonding Requirements for Debt Collectors
Licensing is a critical component in creating reasonable control mechanisms over the debt collection industry at a time when consumers are facing dire economic circumstances. Read More

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