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Payday Lending: Policy Advocacy

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Joint Comments on Sterling Bancorp's Acquisition of Astoria Financial
We joined with other advocacy organizations representing Long Island to submit comments on Sterling Bancorp’s Proposed Acquisition of Astoria Financial Corporation. Read More

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 Memo of Opposition: Don't Allow Check Cashers to become Lenders
This bill would license and permit check cashers to become lenders outside of New York’s traditional and regulated banking system, and without ensuring the safety and soundness of those loans. Read More

Empire Justice Memo: Protect Consumers from Fraudulent Auto Financing
A.7930-a/S.5506-a would amend section 302 of the personal property law, and will have a considerable positive effect on New York State consumers who are defrauded by auto dealers when obtaining automobile financing. Read More

Empire Justice Memo of Support: Provide Consumer Protections in the Rent-to-Own Industry
This legislation will have a real and substantial effect on low income consumers seeking to rent or purchase essential family appliances, furniture, and related items from RTO stores operating in New York State. Read More

Empire Justice and other NYRL members applaud OCC and FDIC for their strong guidance on deposit advance products
More than 40 members of New Yorkers for Responsible Lending signed onto a joint comment letter applauding federal regulators for issuing strong guidance to curb deposit advance products and payday lending. Read More

Empire Justice Memo of Opposition: New Yorkers Would Be Harmed If Check Cashers Became Lenders
This bill would exempt New York check cashers from the state’s usury protections and permit them to make high-cost, unsafe, small-dollar loans. We believe the bill would create an unlevel playing field by allowing check cashers to make loans that are currently prohibited from being made by mainstream, regulated banks and credit unions. Read More

Memorandum in Opposition: New Yorkers Do Not Need Check Cashers as Lenders in New York
Empire Justice Center strongly opposes A.7047/S.3841, referred to as the “short-term financial services loan act.” We believe the bill would create an unlevel playing field by allowing check cashers to make loans that are currently prohibited from being made by mainstream, regulated banks and credit unions. Read More

Testimony of Empire Justice Client at Assembly Minimum Wage Hearing in Buffalo
My name is Tammy Bove. I went to Empire Justice for help with legal problems I was facing at my job. And today I’m here to share with you some of the hardship I faced in working at a minimum wage job. 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

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