Credit cards are the most commonly used vehicle for consumer borrowing, and thus play an important role in both the overall economy and individual households’ finances.

New York is home to over 35,000 farms, covering approximately 7.3 million acres or nearly a quarter of the State’s total land area.

Job markets go through cycles of ups and downs. Further, within New York State, employment trends can be very different from one region to another. But, over the last ten years, at least one sector – health care – has established a consistent pattern of growth across the State.

From mom-and-pop corner stores to medical practices to computer software start-ups, small businesses play a vital role in New York’s economy.

Nonprofit organizations, large and small, provide a multitude of services throughout New York State. Many nonprofits deliver essential services on behalf of the State and other governmental entities, including health care, social welfare, care for the disabled, education and more. 

The integral role of farming in New York State’s history, economy and quality of life is effectively enshrined in Article XIV of the State Constitution.

Debt is an essential financing tool for State and local governments. The infrastructure citizens rely on—roads, bridges, schools, hospitals, universities, housing and mass transit—is made possible through the issuance of debt.

New York State has relied far too heavily on debt for far too long. Ten years after enacting legislation to slow the growth in borrowing and end the use of debt for fiscal gimmicks, New York continues to rely heavily on debt. A

Longstanding concern over New York’s high debt levels, debt service costs, and imprudent use of borrowing led the Legislature to impose limits on State debt and enact related reforms in 2000.

Across New York State, we hear calls for investment in essential public infrastructure.