Fair Lending Practices and Social Justice: The Role of Social Workers in Advocating for Equitable Access to Credit

Authors

  • Bhupal Bhattacharya Associate Professor, Banasthali , (A Deemed University)
  • Sarmistha Bhattacharya

Keywords:

Financial Inclusion; Disparate Impact; Economic Disenfranchisement; Predatory Lending; Community Development Financial Institutions

Abstract

This paper explores the intersection of fair lending laws, social justice issues, and the pivotal role of social workers in promoting equitable access to credit. It begins by examining the importance of fair lending regulations in preventing discrimination and ensuring equal access to financial services, emphasizing the link between lending practices and economic inequality. The discussion highlights the disproportionate impact of predatory lending on communities of color, exacerbating wealth disparities
and financial instability. Social workers are identified as key advocates in this space, tasked with educating consumers, identifying unfair lending practices, and collaborating with legal professionals to challenge systemic discrimination (National Association of Social Workers, 2020). The paper underscores the need for ongoing advocacy to address both traditional and emerging threats to fair lending, with a focus on how social workers can continue to promote financial empowerment and economic justice for marginalized groups. Ultimately, the paper calls for sustained efforts to ensure fair lending remains a cornerstone of social justice, fostering a more inclusive and equitable financial system.

Author Biography

Bhupal Bhattacharya, Associate Professor, Banasthali , (A Deemed University)

 

BHUPAL BHATTACHARYA   

 

Address    :    Amity Law school, Amity University Mumbai, Bhatan,

P.O. Samathne, Kasalkhand, Dist. Raigarh, Maharashtra- 410206

E-mail    :    [email protected]; [email protected]

Skype id: bhupalbhattacharya

Phone    :    09564368001/ 7718972360   

PROFESSIONAL PROFILE

  • Accomplishing career as an Administrator and Educator at the Graduate and Post Graduate levels.
  • Outstanding track record in assuring student success and in litigation and drafting.
  • Extensive background of developing and implementing special programs for at-risk and special needs.
  • Effective communicator with excellent planning, organizational, and negotiation strengths as well as the ability to lead, reach consensus, establish goals, and attain results.

PROFESSIONAL & ACADEMIC QUALIFICATIONS:   

❖

Pursuing Ph.D. in Law. (2015 Registered)

2015

Assam University

❖

Post Graduation in Social Work (2 Year MSW) with specialization in Family and Child Welfare

2015



SHIATS

❖

Post Graduation in Law (2 year LL.M) with specialization  in Business Laws

2010



Kurukshetra University

❖

Graduation in Law (LL.B.) with First Rank in College (2nd in University)

2006

Assam University

❖

Graduation in Commerce with Honours in Accountancy

2003

Tripura University

❖

Post Graduate Diploma in Computer Application (1 year PGDCA)

2001

National Academy of Computer Careers

 

ACADEMIC /TEACHING EXPERIENCE

» Assistant Professor, Scale-II, Amity Law school, Amity University Mumbai, (October 2016 to present date)

Subjects Entrusted:

3 year LL.B.                      : Law of Contracts, Hindu Law, Company Law.

5 year B.A., LL.B. & BBA LL.B. ( Hons.) : Law of Contracts, Hindu Law, Direct Tax, Company Law,  Consumer Protection Act, 1986, Property Law

1 Year LL.M: Competition Law

 

» Lecturer, Law College Durgapur, July 2011 to 5th October 2016

Subjects Entrusted:

3 year LL.B.                      : Law of Contracts, Hindu Law, Direct Tax, Company Law.

5 year B.A., LL.B. ( Hons.) : Law of Contracts, Intellectual Property Rights (IPR), Hindu Law, Direct Tax, Company Law,  Consumer Protection Act, 1986,

» Visiting Lecturer cum Consultant, Sikkim Manipal University, Agartala Learning Center (Two Academic Sessions viz. Fall 2008 & Spring 2009)

For MBA    :    (a) Legal Aspects of Business; and (b) Taxation Management.

For BBA    :    (a) Legal Regulatory Framework.

» Visiting Faculty, State Institute of Public Administration and Rural Development (SIPARD), Agartala, Tripura (2003), Taught: Basic concepts of Information Technology along with Programming Language.

PUBLICATIONS, SEMINAR PRESENTATIONS & PARTICIPATIONS (UGC SPONSORED)

  • Polluter pays principle: A critical Review (Published in JCC Law Review, Vol. VI No. I, ISSN 2231 296X 2015)
  • Studying Development: A step towards Sustainable Environment and protection of Human Rights (Published in Forest and Environment in India- Law, History, Culture, and Modern Approaches, ISBN 978-93-83252-85-5, EBH Publications, India, December 2015)
  • Conjugal Visits In Prisons In India: A Human Rights Justification

(Paper presented in International Seminar in Sidho-Kanho-Birsha University, Purulia, West Bengal, India, on April 29 & 30, 2014)

 

  • Insensitive Gender Justice in Modern India. (Published in Global Journal of Juridical Sciences, ISSN 2347- 5668, September 2013)
  • Arrest suspends the right to life and liberty of an individual: A study of societal sanction towards custodial crime.

(Paper presented in National seminar in Kalyani University, 18th & 19Th November 2013.)

  • “Development, Environment and Sustainable Livelihood”

(Participated : Department of Economics, University of Burdwan, January 18-19, 2013)

 

  • Privatization of Higher Education in India with Special Focus on the Role of  Private Universities in Legal Education

(Participated in: Jogesh Chandra Chaudhuri Law College, Kolkata in collaboration with Jindal Global Law School, Sonipat, Haryana on 10th February 2013)

  • Arrest suspends the right to life and liberty of an individual: A study of societal sanction towards custodial crime (Paper presented in National Seminar in The Department of Political Science, The University of Kalyani)
  • Unbridled Exploitation of Poor Indians in Clinical Trials, ISBN 978-81-909143-6-9

(Paper presented in: Ambedkar College, Fatikroy, North Tripura on 9th and 10th February 2012, ).

  • Changing Forms of Crimes in Our Society and Ways for Its Prevention,

(Published in: Changing Society, Culture and Its Impacts on People, ISBN-978-81-909878-9-9) (Paper presented in: Sambhu Nath College, Labpur, Birbhum, West Bengal on 15th & 16th February, 2012.)

  • Water Sharing: New Equation of Indo Bangladesh Relation

(Published in: JCC Law Review, Vol. III No. 1, ISSN 2231 296X 2012)

  • An Analysis of Prolific and Unplanned Expansion of Higher Education in India

(Paper presented in: Calcutta University, West Bengal March 15th & 16th  2012)

  • Corruption Control: An Insight

(Paper presented in: Durgapur Institute of Legal Studies, Durgapur, District Burdwan, West Bengal September 28th & 29th 2012)

 

  • Tipaimukh: New Equation Of Indo Bangladesh Bilateral Relation

(Published in: Centre for Juridical Studies Dibrugarh Uniersity, 2012, ISSN No.-0976-1543)

  • A Journey Towards Implementing Directive Principles Of State Policy An Analysis Of Landmark Cases
  • In search of Human Rights in Legislation and Regulatory Practices

(Paper presented in: Directorate of Distance Education, Tripura University, Tripura, 2nd December 2012)

 

ASSOCIATED MEMBERSHIPS

  • Enrolled as Member of the Gauhati High Court Bar Council 89/2007.
  • Enrolled as Member of the Tripura Human Rights Organization, 2008.
  • Enrolled as Member of the Tripura Bar Association, 2007.

 

HIGHLIGHTS OF LITIGATIONS & PROFESSIONAL EXPERIENCES

Kings & Alliance -Advocates & Solicitors, New Delhi (with Advocate on Record Ms. Puja Sharma and Mohit Chaudhary), E-45, Lajpat Nagar, New Delhi.

» Advocate and Associate (Aug 2009 – Jul 2011)

  • Handling of Cases; drafting and finalizing agreements and preparing Legal Notices
  • Keeping track over the journals, circulars, notifications on Criminal and Civil Laws etc.
  • Reviewing the documents relevant to the case, Privilege and Specific Concepts etc.

Sr. Adocate Mr. Saktimoy Chakraborti, Gauhati High Court, Agartala Bench

  • » Advocate and Associate (November 2006 – Jul 2009)



PROFESSIONAL AFFILIATIONS

  • Final Exam Paper setter & Examiner of 5 Years B.A. LL.B., (Hons.), University of Burdwan, & Kalyani University from 2011 to till date
  • Executive Member, Journal Committee Law College Durgapur, Rahul Foundation. 2011 to till date
  • Disciplinary Committee, Member, Law College Durgapur, Rahul Foundation. 2011 to till date
  • Consultant of Sikkim Manipal University, Agartala Branch- 2008-2009

 

ADDITIONAL SOCIAL WORK CONTRIBUTIONS:

  • Unified Transcendence: Founder Member cum Secretary (August 2016 onwards to till date)

 

Remarkable Achievements:

  • Organized Awareness Programmes in the State of Assam (Shibsagar), and about to organize 3 days Rural Entrepreneurship Fair from 31st March to 2nd April 2017 focusing in the potential sectors of Crafts and Arts, Women Empowerment, FMCG, Micro Finance, Agriculture, Training Projects in the state of West Bengal (Durgapur).
  • Organized a Rural Entrepreneurship fair in collaboration with NIT Durgapur, West Bengal on 31st March to 2nd April 2017.
  • ARC Foundation: Director of Netaji Subhas Chandra- Centre for Welfare and Social Development (An independent wing of the ARC Foundation (from 15th January 2014 onwards to till date; Registration No. IV - 00101 of 2012, Sl. No. 02326 of 2012)
  • Remarkable Achievement: Opening of lakhs of Jan Dhan Bank Accounts under the Government Scheme.

I.T. SKILLS :

  • Office Packages    :    MS Office (MS Word, MS Excel, MS Access and MS PowerPoint).
  • Programming    :    GW BASIC Language, FoxPro Language and ‘C’ Language.
  • Operating Systems    :    Windows. 97-2003/ Win. 2007/ Win.  XP/ Win. NT/ Win. Vista.

PERSONAL DETAILS :

  • Father’s Name      :    Prof. Bhakti Prasanna Bhattacharjee (Ex Professor & H.O.D.,

The Maharaja Bir Bikram College, Tripura University, Agartala).

  • Mother’s Name       :    Smt. Sankari Bhattacharjee (Housewife).
  • Date of Birth       :    17th December 1981.
  • Nationality        :    Indian by Birth.
  • Permanent Address : C/o. Prof. B. P. Bhattacharjee, Bhattacharya Enclave,

        Indranagar,   Agartala, Tripura (West) PIN 799006

  • Languages known       :    English, Hindi, Bengali and Assamese.
  • Strengths       :    Attentive, Adaptive, Co-operative, and Hardworking.

INTERESTS & HOBBIES:

  • Social Work activities, Professional Counseling, Travelling, Singing and Listening Music.

DECLARATION: To the best of my knowledge and belief, I hereby declare that all the information as furnished above is true and correct.

 

BHUPAL BHATTACHARYA

References

Bocian, D. G., Li, W., & Ernst, K. (2018). "Foreclosure crisis and racial disparities in mortgage lending." Journal of Economic Issues, 52(2), 334-355.

Consumer Financial Protection Bureau (CFPB). (2022). Fair lending report. Retrieved from https://www.consumerfinance.gov/

Massey, D. S., & Denton, N. A. (2018). American apartheid: Segregation and the making of the underclass. Harvard University Press.

National Association of Social Workers (NASW). (2020). Social justice priorities: Fair lending advocacy. Retrieved from https://www.socialworkers.org/

Oliver, M. L., & Shapiro, T. M. (2019). Black wealth/white wealth: A new perspective on racial inequality. Routledge.

Reckhow, S., & Weir, M. (2021). "The politics of fair lending enforcement." Policy Studies Journal, 49(4), 891-915.

U.S. Department of Housing and Urban Development (HUD). (2021). Fair housing and equal opportunity. Retrieved from https://www.hud.gov/

Williams, R. (2021). "The evolution of fair lending laws and their impact on financial inclusion."Journal of Social Policy, 48(3), 465-489.

Downloads

Published

2025-04-30

How to Cite

Bhattacharya, B., & Bhattacharya, S. . (2025). Fair Lending Practices and Social Justice: The Role of Social Workers in Advocating for Equitable Access to Credit . Journal of Banking and Insurance Law, 8(2), 25–28. Retrieved from https://lawjournals.celnet.in/index.php/jbil/article/view/1819

Issue

Vol. 8 No. 2 (2025): Journal of Banking & Insurance Law

Section

Articles