The financial cost of Local Law 18 to homeowners is real and documentable — foreclosure filings, forced sales, mortgages that went from manageable to underwater in a single fiscal year. But the loss that homeowners describe most often is not primarily financial. It is the loss of autonomy: the sense that a home you own and live in is no longer fully yours to use.

Rather than anonymize those experiences into case studies, this page points to the record where homeowners describe them in their own words.

Read Homeowner Voices →