Government imposes fines as punishment for everything from traffic and municipal code violations to felonies, and charges people fees on top of the fines as a means of financing such core functions as law enforcement, the court system, and other government operations. 

Routinely ordered without regard to a person’s ability to pay, the fines and fees for even a single incident can add up to thousands of dollars. People who can afford to pay can quickly close the case and move on with their lives. People unable to pay the sums, however, may face a wide range of ongoing harms, including  more fees, civil judgments, driver’s license suspensions, revocation of voting rights, and even incarceration. Such inequality also has consequences for the stability and integrity of our communities and institutions, including our courts.

It shouldn’t be this way. The most direct approach to eliminating the harms of unaffordable fines and fees is to abolish fees altogether and to right-size fines. In many jurisdictions, however, such changes are far-off, as fines remain unaffordable, and fees are commonly imposed. Reformers, both within and outside of courts, have an interest in taking steps to reduce the harms of unaffordable fines and fees, including by establishing and implementing meaningful ability to pay determinations.

Constitutional and public policy imperatives support the public’s expectation that the judiciary will make ability to pay determinations before imposing fines and fees. In NCAJ’s new report, Ability to Pay: Closing the Access to Justice Gap with Policy Solutions for Unaffordable Fines and Fees, NCAJ’s Law & Policy Director, Lauren Jones, examines those imperatives, and identifies a set of 10 leading edge policies — laws and practices in use across the country — that some states are relying on to reduce the harms caused by unaffordable fines and fees.  

NCAJ's new Ability to Pay Report supplements our earlier Fines and Fees Justice Index, the online resource NCAJ created in 2021 (and updated in 2022) that is a resource to all who are pursuing better policies to curb the harms caused by states and communities that rely excessively on fines and fees. In casting a bright light on 10 key policy models, NCAJ invites researchers to examine them, journalists to write about them, advocates to use them, and reformers to consider replicating them.. 

We invite you to check out the Ability to Pay Report (including these highlights from the Report) and also check out NCAJ's Fines and Fees Justice Index. We welcome all questions and we would be happy to talk with you about how you can use the findings to increase access to justice in your community. We would also love to hear from  you about the ability to pay procedures in your state. Reach us here, ncaj@fordham.edu.  Visit us at NCAJ.org.

Recent Articles

NCAJ's New Report is Out: "Ability to Pay: Closing the Access to Justice Gap with Policy Solutions to Unaffordable Fines and Fees"

Government imposes fines as punishment for everything from traffic and municipal code violations to felonies, and imposes fees on top of fines as a means of financing many functions of government, including law enforcement, the court system, and other government operations. But, people unable to afford these sums face a wide range of increasing harms, including more fees, civil judgments, driver’s license suspensions, revocation of voting rights, and even incarceration. It shouldn't be this way.

Watch the Videos from NCAJ's Access to Justice Solutions Symposium of February 9, 2024

On February 9th, 2024, more than 500 peopled gathered or tuned in via stream to the AtJ Solutions Symposium. The sessions were videotaped that day. If you'd like to re-see what you saw, or see the sessions for the first time, you can do so at the links, below. Take a look, consider the progress of the access to justice movement, and join in the work to increase access to justice in America.

Update: View the Video from Webinar Introducing NCAJ's New Consumer Debt Litigation Index and Two Additional New Tools for Increasing Fairness in Consumer Debt Litigation

Update: View the Webinar (link below) from March 14, 2024, when NCAJ joined the Center for Public Health Law Research of Temple University Beasley School of Law and the National Consumer Law Center for NCLC's national webinar introducing these organizations' three new tools for increasing fairness in consumer debt litigation.

New “Consumer Debt Litigation Index” Ranks States on Best Policies for Access to Justice

The National Center for Access to Justice (NCAJ) at Fordham Law School today announced the release of the Consumer Debt Litigation Index, an on-line resource that demonstrates that every U.S. state and the District of Columbia lack essential legal standards to protect consumers from wrongful, abusive debt collection tactics that can lead to homelessness, family breakup, overwhelming stress and other devastating consequences for families and individuals. There are signs of progress and many states are trying to improve, but every state has a long way to go.