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The Consumer Policy Advocacy section contains Legislative Memos, Letters, Comments and Testimony. You will also find news items, articles and reports that relate to our policy work in consumer.



Legislative Memos

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 of Support: Improving Mortgage Foreclosure Settlement Conferences
This bill provides clarifying amendments to CPLR 3408, bringing the statute in line with the rules and practice of the courts. Read More

Empire Justice Memo of Opposition: Vacant and Abandoned Bill is Harmful to Tenants and Consumer Protections
Empire Justice Center strongly OPPOSES S.4498. While we support the concept of moving foreclosures on truly vacant and abandoned buildings along more quickly, this bill will not significantly hasten the timeline (if it hastens it at all), and only quickens the process at great cost to tenants and owners. It also will cause loss of material consumer protections. 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

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Policy Letters

Confirm Rep. Mel Watt as Director of FHFA
These letters urge NYS Senators Schumer and Gillibrand to support the confirmation of Melvin Watt as Director of the Federal Housing Finance Agenc Read More



Empire Justice Comments to DFS on Vacant and Abandoned Properties
The proposed regulations for vacant and abandoned properties are quite comprehensive and thoughtfully address most of what needs to be included in the final regulations. Read More



Empire Justice Center Testimony for the 2017 Joint Legislative Budget Hearing on Housing
Empire Justice Center's testimony prepared for the 2017 Joint Legislative Budget Hearing on Housing. New York State must commit $30 million in funding for the Foreclosure Prevention Services Network to continue the great strides we've made in keeping New Yorkers in their homes. Read More




Policy Related News

Empire Justice Press Release: New York State Delivers a Tight Budget with Several Notable Wins for Low Income New Yorkers

Upon the finalization of the 2017-2018 state budget, Empire Justice Center was excited to announce that several of its legislative priorities were included, including a new $1 million investment that will allow the organization to dramatically increase the amount of assistance it can provide to immigrants in need of legal representation, as well as two notable policy changes. At the same time, other important programs and proposals sustained losses that will be acutely felt by hard working New Yorkers in the coming year, causing much concern Read More

Suffolk creates hotline for homeowners facing foreclosure (Newsday)

Suffolk County has established a new hotline connecting homeowners at risk of foreclosure with free housing counseling and legal services. Read More

More policy related news >>


Policy Related Articles

Foreclosure Prevention Funding Gets Six Month Extension from Attorney General Eric Schneiderman :
New York State Attorney General Eric Schneiderman agreed to provide further funding from settlement money proceeds under his control to ensure foreclosure prevention services continue throughout New York State. Read More

Reverse Mortgage Foreclosures are Now Entitled to Mandatory Settlement Conferences :
This year’s budget removed the exclusion of reverse mortgages from the definition of “home loan,” bringing reverse mortgage foreclosures into the mandatory settlement conference process. Read More


Policy Related Reports

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