http://www.governing.com/authors/rss/rss/?a=222366641 Jonathan Mintz is commissioner of the New York City Department of Consumer Affairs. http://www.governing.com/blogs/view/col-cities-financial-counseling-empowerment-supervitamin-effect.html A comprehensive approach to financial counseling that originated in New York City is spreading across the country. It holds the promise of saving cities money over the long term.