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Reports

Welcome to the Reports page of our website.  Our reports are in pdf format You can download a free adobe reader at http://get.adobe.com/reader/.

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Pro Se Name & Gender Change Guide for Transgender Residents of Greater Monroe County, New York  Empire Justice Center's pro se guide on name and gender marker changes on identity documents. A step by step guide for transgender residents of the Greater Monroe County Area in New York.  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
 
Turn up the Heat: It’s Time to Raise New York’s Shelter and Fuel Allowances  Turn up the Heat illustrates how the public assistance shelter and fuel allowances are so far out of step with the actual costs of housing and heating, they are pushing many financially fragile New Yorkers out of homes and into homelessness.  Read More
 
The Lingering Storm: Mortgage Lending Disparities on Long Island  The Lingering Storm: Mortgage Lending Disparities on Long Island examines mortgage lending, denial rates, and denial disparities in 2013. In an effort to combat our nation’s discriminatory housing policies, we offer several recommendations for policy makers at all levels of government.  Read More
 
New York’s Exchange Portal: A Gateway to Coverage for Immigrants  Health Insurance Exchanges have the potential to eliminate many existing barriers to health insurance coverage for low-income workers facing reductions in salaries and benefits. Immigrant families, whose incomes tend to be lower to begin with, have been particularly hard hit by escalating health care costs. National figures from 2010 indicate that 75% of workers in noncitizen families were in traditional blue collar jobs, as compared to 60% of workers from citizen families. The average median annual income for noncitizens was $25,000, roughly half the amount for citizen households. In New York, home to 4.3 million immigrants, noncitizens are over three times as likely as citizens to lack health insurance.  Read More
 
The River Runs Dry II: The Persistent Mortgage Drought in Rochester’s Communities of Color  "The River Runs Dry II: The Persistent Mortgage Drought in Rochester’s Communities of Color” analyzes home purchase lending in the Rochester metro area and the City of Rochester.   Read More
 
Driven into Poverty: How New York's Asset Tests Keep People Poor  Empire Justice Center’s new report, “Driven into Poverty: How New York’s Asset Tests Keep People Poor” explores the need for policy change that recognizes that it’s counter-intuitive to make people who have scrimped, saved and pinched pennies for the future impoverish themselves to get the temporary help they need to make ends meet.   Read More
 
In the Eye of the Storm: Why the Threat of Foreclosure Damage Continues  Empire Justice Center's comprehensive analysis of five years of foreclosure data in Rochester, NY, with recommendations for changes in state and federal policy.  Read More
 
Still Mending the Patchwork: A Report Examining County-by-County Inequities in Child Care Subsidy Administration in New York State  A perfect storm of diminished federal and State funding, a growing low-wage work force and the steadily increasing cost of child care is straining New York's child care to the breaking point.  Read More
 
Don’t Lien on Me: How New York’s Public Assistance Mortgages Undermine Homeownership and Financial Stability  This report provides an comprehensive analysis of New York’s use of Social Services Law §106, which allows Social Services Districts to recover public assistance paid to individuals who own their own homes, by taking a mortgage against the recipient’s property. The report also chronicles the legal background of the practice, the interplay between this policy and the push for foreclosure prevention, the need for detailed record keeping, and makes recommendations to ensure that debt is recovered against these mortgages only in the appropriate situations and for the correct amount.  Read More
 
The Long Island Foreclosure Crisis: Stabilizing the communities most impacted by foreclosures in Nassau and Suffolk Counties  Study identifies hardest hit towns and strategies to keep families in their homes and limit damage to the local tax base.  Read More
 
Paying More for the American Dream VI  This report examines systemic inequities in the mortgage market, as reflected in neighborhood lending patterns based on race and ethnicity. The authors analyzed 2010 Home Mortgage Disclosure Act (HMDA) data, and compared conventional and government-backed prime mortgage lending in seven U.S. cities, based on borrowers’ race and ethnicity and the racial and ethnic composition of neighborhoods.   Read More
 
Time to Leave Finger Prints Behind  Across the country, all but two states, Arizona and New York, have abandoned the costly and problematic fraud prevention tool in conjunction with the Food Stamp program.  Read More
 
Holes in the Safety Net: Access to Charity Care on Long Island  Our latest report finds that almost one-half of the 23 hospitals surveyed failed to provide family members of seriously ill, uninsured patients with the information they needed to get financial assistance in advance of medical emergencies.  Read More
 
Connecting Consumers to Coverage: The Role of Navigators & Consumer Assistance Programs in Implementing Health Reform in New York  New report on assisting consumers with federal health care reform.  Read More
 
Paying More for the American Dream V  Access to mortgage refinance loans sharply declined in communities of color – and increased substantially in predominantly white neighborhoods, according to a report released today by a multistate collaboration of regional research, policy and advocacy organizations, including Empire Justice Center....   Read More
 
The Mortgage Meltdown II  New York's continuing foreclosure crisis and the need to help homeowners avoid the loss of their homes  Read More
 
The Self-Sufficiency Standard for New York State 2010  This report measures the income and earnings necessary for families to be self-sufficient in every county of the state.   Read More
 

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