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Department of Consumer Affairs
Office of Financial Empowerment
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DCA Advocacy

To protect the public and marketplace, DCA recommends legislation to strengthen consumer protections; mounts awareness campaigns about hot-button issues; creates and updates consumer and business guides, translating many in multiple languages; and convenes public hearings.



Testimony and Comments
DCA advocates for policies and legislation to protect consumers from unfair and deceptive practices. Read DCA's comments on key issues: 

New York State Court Rules Governing Consumer Credit Actions 
 Read Commissioner Mintz's comments to the New York State Office of Court Administration (12/04/2013) 

Private Education Loan Market 
 Read Commissioner Mintz's comments to the Consumer Financial Protection Bureau (01/17/2012) 

Dodd-Frank Act Implementation 
 Read Commissioner Mintz's comments (06/27/2011) 

FDIC Safe Bank Account Template 
 Read Commissioner Mintz's comments (06/06/2010)

Refund Anticipation Loan Business 
 Read Commissioner Mintz's statement (04/28/2010)

Provisions of the Credit CARD Act of 2009 
 Read Commissioner Mintz's comments (04/14/2010)

Gift Card Industry 
 Read Commissioner Mintz's testimony (12/21/2009)

Banking Development District Reform
 Read Commissioner Mintz's testimony (04/02/2009)

Community-Based Financial Institutions and
Their Impact on Community Development
 Read Testimony of OFE Executive Director
Cathie Mahon (12/15/2009)

Consumer Financial Products Regulation
 Read Commissioner Mintz's written testimony 

Foreclosure and Mortgage Rescue Scams
 Read House Judiciary Committee testimony 

Reform of Overdraft Regulations
 Read comments to the Federal Reserve System 

City Council Oversight Hearing on Rent-to-Own
Retailers in New York City
 Read Commissioner Mintz's testimony (01/26/2009)

Disclosure Requirements in Lender Advertising
 Read DCA/OFE's comments regarding
credit card and bank practices (08/04/2008);
overdraft fees (07/18/2008); credit card products  

Guidelines in Marketing Environmentally
Friendly Products
 Read DCA's comments to FTC (02/11/2008)

Marketing Standards for Energy Service
 Read DCA's comments to PSC (03/18/2008)
 Read PSC's response to DCA/CPB petition 
 Read DCA/CPB petition to PSC (12/19/2007)

Exempt Income Protection Act
 Read Statement by Commissioner Mintz (09/29/2008) 




































DCA Initiatives and Campaigns
DCA's core initiatives and awareness campaigns engage all divisions in advancing two key strategic priorities: educating and empowering consumers and facilitating fair business practices.

Read the press release
Get Quick Lessons for Back-to-School Shopping
  in  English or Español
Parents: Get Smart Money Lessons for Your Kids
  in  English or Español

Consumer Campus
 Get consumer tips targeted to students

Debt Settlement Companies
Read the press release
Learn your rights about debt settlement in
  English  Español   中文 

EITC & Tax Tips
  Learn more about the City's Tax Credit Campaign

Employment Agencies
 Read the 2011 press release
 Read the 2009 press release
 Read the 2008 press release
 Watch video clip of DCA's undercover inspection
 Download What You Need to Know about Employment Agencies (in PDF)

Fake Guns
Read the press release 
 Get additional information about fake guns [English  Español  中文   Kreyòl Ayisyen   
 한국어   Русский]

Home Improvement Contractors
  Get tips for homeowners

Identity Theft Prevention
 Learn more about DCA's public awareness campaign to prevent identity theft

Internet Sales
 Learn how to protect yourself when shopping online
 Learn how to protect yourself and your money by avoiding common marketplace scams

Refund Policies
 Learn business's responsibility regarding refund policies 

Teen Smoking
 Learn more about DCA's efforts to prevent cigarette sales to minors 




























Public Hearings
DCA holds exploratory public hearings to gather testimony from consumers, government agencies, community groups, and industry leaders and experts on issues affecting the marketplace, focusing particular attention on industrywide patterns of abuse. DCA uses feedback to develop targeted strategies to protect consumers better. 

Used Car Dealer Practices
 Read the press release
 Get Quick Car-Buying Tips
 Used Car Sales Consumer Guide (in PDF)
 False Advertising: How to Spot It and
   Read the Fine Print (in PDF)

Process Server Practices
 Read the press release