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	Responding to over 200 complaints, DCA charged nine dealerships in Brooklyn and Queens with violations for forcing customers to pay more than advertised prices, sign incomplete contracts, and only use financing provided by the dealership. DCA seeks more than $950,000 in consumer restitution and fines and license revocation for dealers’ licenses. Consumers: Watch the video Tips on Buying a Used Car [English Español (Spanish)] Used Car Dealers: Read Inspection Checklist to comply with the law Read press release and get tips


	DCA and Mayor's Office of Immigrant Affairs Release Immigrant Financial Services Study Research Brief *Study Reveals Gaps in Financial Services for Immigrant Households with Low Incomes and Identifies Opportunities for Public-Private Partnerships and Financial Institutions to Provide Financial Access* This Study is one of NYC’s first field research initiatives to look specifically at the financial needs and practices of recent immigrants in three communities: Chinese, Ecuadorian, Mexican. Among key findings: 57% of Mexican, 35% of Ecuadorian, and 5% of Chinese participants in the Study sample did not have a bank account. 80% of immigrant survey participants who make less than $300 a week report having savings. High incidence of money transfers back to home countries represents a significant market opportunity for mainstream financial banking institutions. The Study received generous support from Citi Community Development and The New York Community Trust. Download Study in: English Español (Spanish) 中文 (Chinese) Read press release Get free financial counseling Open a direct deposit account


		University of North Carolina (UNC) Study Confirms Success of $aveNYC in Encouraging Taxpayers with Low Incomes to Save The UNC Center for Community Capital released "The Importance of Tax Time for Building Emergency Savings: Major Findings from $aveNYC," which concluded that taxpayers with low incomes will save money when offered an incentive, an easy enrollment process, and a safe account. A matched savings program, $aveNYC has been replicated in several cities as SaveUSA. The research supports a change in federal policy to implement tax time savings match programs for filers with low incomes. Download Study Read UNC press release Learn about the SaveUSA program


		Harvard University Names DCA's Office of Financial Empowerment (OFE) an Innovations in American Government Award Finalist In recognizing OFE as one of the nation’s Top 25 public sector programs, Harvard cited the Office’s work connecting New Yorkers with low incomes with financial education counseling and asset building services. Read Harvard’s announcement View all finalists Learn about OFE initiatives


		NYC Announces Partnership with Consumer Financial Protection Bureau (CFPB) and Cities for Financial Empowerment (CFE) Fund to Replicate Nationally DCA's Work in Consumer Protection and Financial Empowerment Read City Hall press release Watch the video announcement Visit CFE Fund Web site


		DCA's 10th Annual Business Education Day Informs Businesses about Live Chat, Inspection Checklists, and Other Resources to Help Them Avoid Violations Go to Business Toolbox Read 10 Things Every Business Should Know in English and Español (Spanish) বাংলা (Bengali) 中文 (Chinese) Kreyòl Ayisyen (Haitian Creole) 한국어 (Korean) Русский (Russian) Read the press release View “Good for Customers. Great for Business.” campaign ads


		U.S. Treasury Department’s Ready.Save.Grow. Initiative Makes Saving Easier than Ever Did you know that you can buy a savings bond for just $25 and other U.S. Treasury securities starting at $100? You can buy and manage these affordable, safe, and convenient investments either online or through payroll direct deposit. Go to Ready.Save.Grow. Web site for more information Learn about NYC Direct Deposit Schedule a free financial counseling appointment at an NYC Financial Empowerment Center


		Tax Day was April 15. However, you can still file your 2012 tax return for free. Learn if you qualify to file your taxes for free Read Tax Credit Fast Facts Get important tax information for individuals and families affected by Hurricane Sandy


		NYC Direct Deposit: The Faster, Safer, Less Expensive Payment Option for Employers and Employees Through the NYC Direct Deposit program employers can benefit from reduced operational costs while employees get a free checking account for directly depositing their pay. Learn more


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