OPINION OF THE COURT
HUTCHINSON, Circuit Judge.Appellants, the Presbytery of New Jersey of the Orthodox Presbyterian Church *1458(“Presbytery”), the Calvary Orthodox Presbyterian Church of Wildwood (“Calvary”) and Reverend David B. Cummings (“Cummings”), a clergyman of the Orthodox Presbyterian denomination (collectively “plaintiffs”), appeal an order of the district court dismissing their complaint.1 Plaintiffs assert recent amendments to the New Jersey Law Against Discrimination (the “LAD” or “Act”), NJ.Stat.Ann. §§ 10:5-1 to 10:5-42 (West 1993 & Supp.1994), violate the First Amendment right to freedom of speech. The amendments they question added to the category of impermissible distinctions “affectional or sexual orientation” to the statute’s ban on certain forms of discrimination. Relying on a responsible state official’s affidavit that the state would not enforce the LAD against Calvary or Presbytery as churches or Cummings as a church pastor, the district court held that the case was not ripe.
We conclude, however, that the controversy is ripe because Cummings arguably alleges the statute threatens his right as an individual citizen to speak out against male and female homosexual acts and the state has expressly refused to offer any assurance it will not prosecute Cummings if he does so outside his church. The same, however, is not true of the institutional church plaintiffs, Presbytery and Calvary. Accordingly, we will reverse the district court’s order and remand for further proceedings consistent with this opinion in so far as its order applies to Reverend Cummings. We will, however, affirm the district court’s dismissal without prejudice of this action as it pertains to the institutional plaintiffs.
I.
In April 1992, the plaintiffs brought this suit to enjoin enforcement of recent amendments to the LAD which had added “affee-tional or sexual orientation” to the personal traits or characteristics generally protected against discrimination in public accommodations,2 employment and housing. See NJ.Stat.Ann. §§ 10:5-4,10:5-12 (West Supp. 1994). The statute also prohibits “aid[ingj, abet[ting], incit[ing], compelling] or coerc[ing]” others into violations of its prohibitions against discrimination. N.J.Stat.Ann. § 10:5—12(e); see NJ.Stat.Ann. § 10:5-12(n). The plaintiffs originally challenged these and other provisions as an infringement on the First Amendment right to the free exercise of religion and association as well as the right to freedom of speech. On May 15, 1992, they filed a motion for a preliminary injunction and on May 22 filed an amended complaint. On June 11, 1992, the state filed a motion for summary judgment along with a motion for dismissal. The district court heard oral argument but denied the motion for a preliminary injunction holding that the plaintiffs faded to establish both a likelihood of success on the merits and irreparable harm. The plaintiffs appealed to this Court and on December 14, 1992 we affirmed the district court in an unpublished memorandum opinion. Presbytery of New Jersey v. Florio, No. 92-5339, slip. op. at 13 (3d Cir. Dec. 14, 1992) (“Presbytery I ”), see 983 F.2d 1052 (3d Cir.1992) (Table). Because of the state’s affidavit stating its intention not to enforce the Act against religious institutions, we held that the plaintiffs faded to demonstrate the possibility of immediate and irreparable harm. Id. at 9-10. We also held that the possibility of private enforcement of the Act by activist homosexual groups was too remote to constitute an immediate threat of potential harm and, in any event, the private parties would not be bound by the injunction sought. Id. at 10-12. We specificady refused to comment on the district court’s dis*1459cussion of the plaintiffs’ likelihood of success on the merits. Id. at 13.
Following our decision, the district court heard argument on the state’s Rule 12(b)(1) motion to dismiss. The state argued that the plaintiffs lacked standing, the case was not ripe and that the federal court should abstain under Railroad Commission of Texas v. Pullman, 312 U.S. 496, 61 S.Ct. 643, 85 L.Ed. 971 (1941). The district court granted the state’s motion and dismissed the complaint. Presbytery of New Jersey v. Florio, 830 F.Supp. 241 (D.N.J.1993) (“Presbytery II”). It held that the case was not ripe, based on the state’s affidavit that it would not enforce the Act against the institutional plaintiffs as churches or Cummings in his capacity as a clergyman of the Orthodox Presbyterian Church. Id. at 248-50.3 The plaintiffs filed a timely notice of appeal.
II.
The LAD, originally enacted in 1945, prohibits discrimination in employment, labor organization membership, public accommodations and real estate, financial, and business transactions. In 1991, the New Jersey legislature added “affectional or sexual orientation” to the personal characteristics of race, creed, color, national origin, ancestry, age, sex, and marital status previously protected.4 Under the Act, it is unlawful for an employer “to refuse to hire or employ or to bar or to discharge or require to retire” any individual on the basis of a protected characteristic. Id. § 10:5-12(a). The Act also prohibits the printing or circulating of any statement which expresses, directly or indirectly, that employment opportunities for persons with the protected characteristics will be limited. Id. § 10:5-12(c). Public accommodations are similarly restrained. See id. § 10:5-12(f). In addition, the LAD makes it illegal for any individual to refuse to transact business with individual groups who have any of the protected characteristics. Id. §§ 10:5-12(l),(m). The Act also makes it illegal “to aid, abet, incite, compel or coerce the doing of any of the acts forbidden under this act, or to attempt to do so.” Id. § 10:5-12(e). Still another section applying the Act’s prohibition against aiding, abetting, inciting or coercing violations of subsection (l) and (m) specifically prohibits incitements to boycott persons who belong to the protected groups. Id. § 10:5-12(n)(2). Finally, the Act requires owners of public accommodations and employers to post public notices informing employees and patrons of their rights under the Act. Id. § 10:5 — 12(j).
The Act exempts religious organizations from compliance in the selection of their own employees and it permits religious organizations to restrict rental or use of their own property to members of their own faith. Id. §§ 10:5-12(a), 10:5-5(n). The Act does not apply to private clubs or facilities for religious education. Id. § 10:5 — 5(i).
The state itself may enforce the Act’s civil penalties against violators. An aggrieved individual may begin the process of civil enforcement by filing a complaint with the state Division on Civil Rights (“DCR”) or proceed*1460ing directly to state court. Id. § 10:5-13 (West 1993). The Act specifically grants standing to sue to “[a]ny individual who has been discriminated against” and “any organization which represents or acts to further the interests of individuals who have been discriminated against.” Id. § 10:5-38 (West 1993). The successful plaintiff may recover compensatory and punitive damages, fines, and attorney fees. Id. § 10:5-3; id. § 10:5-14.1a (West 1993); id. § 10:5-27.1 (West 1993). The Act is to be liberally construed to accomplish its purpose of eradicating the kinds of discrimination it prohibits. See id. § 10:5-3.
The Orthodox Presbyterian Church (“OPC”) is a national denomination with 170 member churches, including Calvary. The OPC split from the Presbyterian Church (U.S.A.) in 1936 over a doctrinal difference.5 Presbytery is a New Jersey religious corporation and the formal governing body of OPC churches in New Jersey. At the time plaintiffs initially filed their complaint, the OPC had 2,113 members in New Jersey.
In their complaint, the plaintiffs allege the following. Based upon The Holy Bible and church doctrine, the OPC teaches that homosexuality, bisexuality, and heterosexual sex outside of marriage are grievous sins. Plaintiffs also allege that they
have always in the past, presently do and since the 1992 amendments, have directly or indirectly discriminated against and made reasonable distinctions based upon homosexuality, bisexuality and heterosexual sex outside of marriage. For example, in New Jersey the plaintiffs express, speak and preach against homosexuality, adultery and fornication, calling it variously an abomination and sinful_ They also disseminate and circulate such speech and distinctions throughout New Jersey and the world_ [T]hey even print and disseminate materials condemning sexual sins.... Plaintiffs, and their members, also inquire about the sexual practices of prospective employees and are continuing to do so despite the existence of the 1992 amendments.
Complaint ¶ 49, Appellants’ Appendix (“App.”) at 217. Cummings and members of his congregation “speak out about homosexuality, bisexuality and heterosexual sex outside of marriage, make reasonable distinctions based on such practices, lobby against them, and circulate literature condemning them. They encourage, aid and abet discrimination and reasonable distinctions against homosexuals, bisexuals and heterosexuals engaging in sex outside of marriage.” Id. ¶ 51, App. at 217-18. Furthermore, “[p]laintiffs have always in the past, presently do and since the amendments have refused to knowingly buy from, contract with or otherwise do business with persons on the basis of that person’s homosexual, bisexual or heterosexual practices.” Id. ¶ 57, App. at 220. Plaintiffs also “have always in the past, presently do and since the amendments have refused to employ any individual who is practicing any public sexual sin, including fornication, adultery and homosexuality, and they make reasonable distinctions based on such acts.” Id. ¶ 69, App. at 223.
Initially, plaintiffs contended that various elements of the Act violated their First, Fifth, Ninth and Fourteenth Amendment rights. The allegedly offending sections included: sections 10:5-12(a) and (c) (applicable to employers); section 10:5-12(f) (applicable to public accommodations); sections 10:5-12(e) and (n) (prohibition against aiding, abetting, or inciting violations); section 10:5-12(j) (notice posting provision); and sections 10:5 — 12(Z) and (m) (prohibition of boycotts and refusal to do business).
In response to plaintiffs’ initial request for a preliminary injunction, the Director of the DCR, C. Gregory Stewart, filed an affidavit setting forth the DCR’s and attorney general’s position on enforcement of the Act *1461against religious institutions. The Stewart affidavit averred that the state did not consider churches places of “public accommodations.” Thus, the sections relating to public accommodations were inapplicable to the institutional plaintiffs. Stewart further stated that churches were considered exempt in their hiring of internal employees. Due to “First Amendment concerns,”
the Division has not in the past prosecuted and has no intention to prosecute [under sections 10:5-12(e), (e), (f), (j), (l) & (m)] essentially exempt churches for sincerely-held religious belief or practice, or speech consistent with such belief, or for a refusal to engage in certain speech or for following their religious tenets- Hence, the Division would not even attempt to enforce those provisions in the circumstances of sincerely-held religious reasons such as plaintiffs express here....
App. at 296. Stewart also made the following general statement:
[I]t has been the consistent construction and interpretation of the LAD that, consonant with constitutional legal barriers respecting legitimate belief and free exercise protected by the First Amendment, the State was not authorized to regulate or control religious worship, beliefs, governance, practice or .liturgical norms, even where ostensibly or eolorably at odds with any of the LAD prohibited categories of discrimination.
Moreover, the Division has not and has no intention to engage in any determination or judgment as to what is or is not a “religious activity” of a church, or to determine what is or is not a “tenet” of religious faith. Within First Amendment limits, all of plaintiffs’ claimed religiously-based free exercises of faith are unthreatened by a reasoned construction of the LAD consistent with its meaning and long enforcement history.
App. at 294-96. The affidavit did not, however, disavow enforcement against the members of the church for their public activities nor does it preclude enforcement against Cummings for his activities outside the Church.
In light of the Stewart affidavit and our prior decision in Presbytery I, the parties agree that the scope of their challenge on the merits to the Act has been significantly limited. The plaintiffs now challenge only section 10:5-12(e), which makes it illegal “to aid, abet, incite, compel or coerce” forbidden acts, section 10:5-12(n), which makes it illegal “to aid, abet, incite, compel,, coerce or induce” boycotts or refusals to do business and section 10:5—12(j), the notice posting provision. Presbytery II, 830.F.Supp. at 247; Brief of Appellants at 6. Plaintiffs argue that the first two sections are impermissible restrictions on freedom of speech and the last provision is a violation of the freedom of conscience and forced speech. Before the district court, however, the plaintiffs conceded that in light of the representations of the DCR, the sections have no applicability to the institutional plaintiffs Presbytery and Calvary. Id.
III.
If this case is ripe, and if any of the plaintiffs have standing to assert their free speech claim, the district court would have subject matter jurisdiction under 28 U.S.C.A. §§ 1331, 1343 (West 1993) and 28 U.S.C.A. §§ 2201, 2202 (West .1994). The state contends, however, that the district court lacked jurisdiction because the plaintiffs did not present an Article III justiciable controversy. The district court agreed and dismissed the case on this ground. Because the district court did not reach the merits of the plaintiffs’ claim, the dismissal was without prejudice.6 The district court’s order is, however, a final resolution of the plaintiffs’ claims and therefore we have appellate jurisdiction pursuant to 28 U.S.C.A. § 1291 (West 1993).
*1462Our review of ripeness and standing determinations is plenary. Taylor Inv. Ltd. v. Upper Darby Township, 983 F.2d 1285, 1289 (3d Cir.), cert. denied, — U.S. -, 114 S.Ct. 304, 126 L.Ed.2d 252 (1993); Roe v. Operation Rescue, 919 F.2d 857, 863 (3d Cir.1990).
IV.
The issue on this appeal is whether the plaintiffs have presented a ripe controversy so that an Article III court may assert jurisdiction. We examine the merits of the claim only to the extent necessary to determine whether there is any potential for immediacy of harm.
Federal courts may only resolve actual “cases” and “controversies.” See U.S. Const, art. Ill, § 2. The existence of a case and controversy is a prerequisite to all federal actions, including those for declaratory or injunctive relief. See Cardinal Chem. Co. v. Morton Int’l, Inc., — U.S. -, -, 113 S.Ct. 1967, 1974, 124 L.Ed.2d 1 (1993); Skelly Oil Co. v. Phillips Petroleum Co., 339 U.S. 667, 671, 70 S.Ct. 876, 878-79, 94 L.Ed. 1194 (1950). “Concerns of justiciability go to the power of the federal courts to entertain disputes, and to the wisdom of their doing so. We presume that federal courts lack jurisdiction ‘unless “the contrary appears affirmatively from the record.” ’ ” Renne v. Geary, 501 U.S. 312, 316, 111 S.Ct. 2331, 2336, 115 L.Ed.2d 288 (1991) (quoting Bender v. Williamsport Area Sch. Dist., 475 U.S. 534, 546, 106 S.Ct. 1326, 1334, 89 L.Ed.2d 501 (1986) (quoting King Bridge Co. v. Otoe County, 120 U.S. 225, 226, 7 S.Ct. 552, 30 L.Ed. 623 (1887))).
The concepts of standing and ripeness are related. Each is a component of the Constitution’s limitation of the judicial power to real cases and controversies. Correct analysis in terms of ripeness tells us when a proper party may bring an action and analysis in terms of standing tells us who may bring the action. See Armstrong World Indus., Inc. v. Adams, 961 F.2d 405, 411 & nn. 12-13 (3d Cir.1992); see also Erwin Chemerinsky, Federal Jurisdiction 99 (1989) (“standing focuses on whether the type of injury alleged is qualitatively sufficient to fulfill the requirements of Article III and whether the plaintiff has personally suffered that harm, whereas ripeness centers on whether that injury has occurred yet”). Because these concepts are so closely related, they can be confused or conflated. “It is sometimes argued that standing is about who can sue while ripeness is about when they can sue, though it is of course true that if no injury has occurred, the plaintiff can be told either that she cannot sue, or that she cannot sue yet.” Smith v. Wisconsin Dep’t of Agriculture, Trade & Consumer Protection, 23 F.3d 1134, 1141 (7th Cir.1994) (emphasis in original). It is the plaintiff’s responsibility to allege facts that invoke the court’s jurisdiction. Renne, 501 U.S. at 316, 111 S.Ct. at 2336.
The district court did not reach the issue of standing but focused on whether any of the plaintiffs presented a ripe controversy.7 Ripeness prevents courts from “entangling themselves in abstract disagreements.” Abbott Labs. v. Gardner, 387 U.S. 136, 148, 87 S.Ct. 1507, 1515, 18 L.Ed.2d 681 (1967). “[R]uling on federal constitutional matters in advance of the necessity of deciding them [is to be avoided].” Armstrong, 961 F.2d at 413. The ripeness determination “evaluate[s] both the fitness of the issues for *1463judicial decision and the hardship to the parties of withholding court consideration.” Abbott Labs., 387 U.S. at 149, 87 S.Ct. at 1515. Ultimately, the case must involve “‘a real and substantial controversy admitting of specific relief through a decree of a conclusive character, as distinguished from an opinion advising what the law would be upon a hypothetical state of facts.’ ” North Carolina v. Rice, 404 U.S. 244, 246, 92 S.Ct. 402, 404, 30 L.Ed.2d 413 (1971) (quotation omitted). “A federal court’s jurisdiction therefore can be invoked only when the plaintiff himself has suffered ‘some threatened or actual injury resulting from the putatively illegal action-’” Worth v. Seldin, 422 U.S. 490, 499, 95 S.Ct. 2197, 2205, 45 L.Ed2d 343 (1975) (citation omitted).
As Professor Chemerinsky recognizes, “[rjipeness properly should be understood as involving the question of when may a party seek preenforcement review of a statute or regulation.” Chemerinsky, supra, at 100 (emphasis in original). Thus, it is not surprising that the ripeness inquiry often involves declaratory actions which present special problems. See Maryland Casualty Co. v. Pacific Coal & Oil Co., 312 U.S. 270, 273, 61 S.Ct. 510, 512, 85 L.Ed. 826 (1941) (“Basically, the question in each case is whether the facts alleged, under all the circumstances, show that there is a substantial controversy, between parties having adverse legal interests, of sufficient immediacy and reality to warrant the issuance of a declaratory judgment.”).
We have adopted a three part test in determining whether we will engage in preenforcement review in the context of a declaratory action; specifically, we examine “the adversity of the interest of the parties, the conelusiveness of the judicial judgment and the practical help, or utility, of that judgment.” Step-Saver Data Sys., Inc. v. Wyse Tech., 912 F.2d 643, 647 (3d Cir.1990); see also Armstrong, 961 F.2d at 412-24 (applying test while noting that factors are not exclusive).
On the first part, adversity of interest, we have observed, “ ‘[f]or there to be an actual controversy[,] the defendant must be so situated that the parties have adverse legal interests.’ ” Step-Saver, 912 F.2d at 648 (quoting 10A Charles Wright, Arthur Miller & Mary Kane, Federal Practice and Procedure § 2757, at 582-83 (2d ed. 1983)). Although the party seeking review need not have suffered a “completed harm” to establish adversity of interest, Armstrong, 961 F.2d at 412, it is necessary that there be a substantial threat of real harm and that the threat “must remain ‘real and immediate’ throughout the course of the litigation.” Salvation Army v. Department of Community Affairs, 919 F.2d 183, 192 (3d Cir.1990). Thus, where intervening events remove the possibility of harm, “the court must not address the now-speculative controversy.” Id.; see also Pacific Gas & Elec. Co. v. State Energy Resources Conservation & Dev. Comm’n, 461 U.S. 190, 201, 103 S.Ct. 1713, 1721, 75 L.Ed.2d 752 (1983) (threatened injury must be “certainly impending”).
Second, the parties must not only retain adverse interests throughout the litigation, but “[a]ny contest must be based on a ‘real and substantial controversy admitting of specific relief through a decree of a conclusive character, as distinguished from an opinion advising what the law would be upon a hypothetical state of facts.’” Step-Saver, 912 F.2d at 649 (quoting Aetna Life Ins. Co. v. Haworth, 300 U.S. 227, 241, 57 S.Ct. 461, 464, 81 L.Ed. 617 (1937)). “A declaratory judgment granted in the absence of a concrete set of facts would itself be a ‘contingency,’ and applying it to actual controversies which subsequently arise would be an ‘exercise in futility.’ ” Armstrong, 961 F.2d at 412 (quoting Step-Saver, 912 F.2d at 648). The requirement of concreteness has some play in the joints. We have noted, “the need for a concrete set of facts is greater in some instances than others.” Id. For example, an “actual factual setting” is “particularly important in cases raising allegations of an unconstitutional taking,” id. (quoting Hodel v. Virginia Surface Mining & Reclamation *1464Ass’n, 452 U.S. 264, 294-95, 101 S.Ct. 2352, 2370, 69 L.Ed.2d 1 (1981)), whereas facts are not so important where the question is “predominantly legal.” Id. (quoting Pacific Gas & Elec. Co., 461 U.S. at 201, 103 S.Ct. at 1720).
The third part of the test, utility of the judgment, is important because “[o]ne of the primary purposes'behind the Declaratory Judgment Act was to enable plaintiffs to preserve the status quo ..., and a case should not be considered justiciable unless ‘the court is convinced that [by its action] a useful purpose will be served.’ ” Step-Saver, 912 F.2d at 649 (quoting E. Borchard, Declaratory Judgments 29, 58 (1941)). Thus, with these three inquiries in mind, we turn to an analysis of whether the district court erred by determining this case did not present a ripe controversy.
1. Adversity of interest
In Armstrong we said, “[w]here the plaintiff’s action is based on a contingency, it is unlikely that the parties’ interest will be sufficiently adverse to give rise to a case or controversy within the meaning of Article III.” Armstrong, 961 F.2d at 411-12. In concluding that the instant case was not ripe for adjudication, the district court relied in large part on the representations of the DCR through the Stewart affidavit and a history of the LAD’s non-enforcement against religiously motivated speakers. Thus, in terms of the Step-Saver test, the district court determined that the parties had no adverse interest. Despite Cummings’ assertion that he has engaged, does engage and will engage in prohibited discrimination, the court stated:
[N]o enforcement action or private suit has been commenced against [Cummings or the other plaintiffs] as a result. Moreover, although Plaintiffs allege that they intend to engage in similar conduct in the future, without an actual or imminent threat of enforcement of the statute the constitutional issues are not presented in a sufficiently “‘clean-cut and concrete form to render this action ripe.’ ” See [Renne] [501 U.S. at 322,] 111 S.Ct. at 2339.
Plaintiffs argue that this case is ripe because, although Defendants have conceded that they will not enforce the LAD against the institutional plaintiffs, they have not waived enforcement of the statute against Cummings or against the Church’s individual members. The Court, however, disagrees with Plaintiffs’ interpretation of Defendants’ waiver as not including a waiver of enforcement against Cummings. The Defendants, recognizing the First Amendment concerns raised in this action, have represented that the LAD does not apply to and will not be enforced against Plaintiffs’ religious worship, beliefs, practice, speech or refusal to speak. See Stewart Aff., ¶¶ 10-13. This Court reads these statements as clearly including Plaintiff Cummings. Accordingly, the Court sees no possibility of state enforcement against him.
Presbytery II, 830 F.Supp. at 248-49.
The state argues that the district court correctly held that none of the named plaintiffs face an imminent threat that the LAD’s prohibitions against incitement or otherwise inducing or helping others to induce boycotts, any of its other prohibitions against discrimination or its notice posting requirement will be enforced against them. In support, the state contends that the complaint and its allegations refer to Cummings only in his capacity as pastor of an Orthodox Presbyterian Church. Because it has waived enforcement against the plaintiffs when they act in their capacity as religious organizations or as clergymen performing religious functions, the state concludes that Cummings does not face any imminent threat of enforcement, but yet refuses to guarantee that he will not be prosecuted if he acts as an individual outside the church.
Applying the usual standards for construing the allegations of a complaint which give the plaintiff the benefit of all favorable infer-*1465enees that can be drawn from them,8 we conclude that the complaint fairly asserts Reverend Cummings’ rights as both a pastor and a citizen and therefore that the Stewart affidavit is insufficient to remove the threat of enforcement against Cummings in his individual capacity.
In order to determine what rights Cummings asserts, we turn to the amended complaint. Complaints need not be models of precise information. Rather, a complaint suffices when it serves fairly to notify the defendants of the facts and the alleged deprivation. See, e.g., Holder v. City of Allentown, 987 F.2d 188, 194 (3d Cir.1993). Moreover, when judged on their face, complaints should be construed in favor of the party defending against a motion to dismiss. Cf. id. (“The test in reviewing a motion to dismiss for failure to state a claim is whether, under any reasonable reading of the pleadings, plaintiff may be entitled to relief.”) (citing Colburn v. Upper Darby Township, 838 F.2d 663, 665-66 (3d Cir.1988), cert. denied, 489 U.S. 1065, 109 S.Ct. 1338, 103 L.Ed.2d 808 (1989)); Williams v. New Castle County, 970 F.2d 1260, 1266 (3d Cir.1992).
The state contends that the complaint asserts Cummings’ rights only in terms of his institutional capacity. A careful review of the record, however, reveals a different conclusion. Although it is helpful for a complaint to specify if a party is bringing suit in his individual or official capacity, we are not aware of any rigid rule that requires an express statement of such capacity. We recognize that Cummings is listed as the “Rev. David B. Cummings” in the caption of the complaint, App. at 195, but his participation is nowhere limited to his institutional capacity.9 Again, in paragraph 4 of the complaint, Cummings is identified as being an ordained minister of the Presbytery, the pastor of one of its New Jersey churches and a plaintiff, but no mention is made of his suing only as a leader of an institution. In paragraph 14, Cummings is described without limitation to his capacity as a clergyman or religious leader. In paragraph 51, the complaint states:
Plaintiff Cummings, other pastors and members of their congregations ... do speak out about homosexuality, bisexuality and heterosexual sex outside of marriage, make reasonable distinctions based on such practices, lobby against them, and circulate literature condemning them. They encourage aid and abet discrimination and reasonable distinctions against homosexuals, bisexuals and heterosexuals engaging in sex outside of marriage.
App. at 218. Paragraph 53 of the complaint alleges:
[Plaintiffs publish, circulate, issue, display, post and mail printed material condemning homosexuality bisexuality and heterosexual sex outside of marriage making reasonable distinctions based on such acts....
Id. Paragraph 57 of the complaint alleges:
Plaintiffs have always in the past, presently do and since the amendments have refused to knowingly buy from, contract with or otherwise do business with persons on the basis of that person’s homosexual bisexual or heterosexual practices.
Id. at 220. None of these allegations limit the acts Cummings avers he wishes to perform without fear of prosecution or reprisal under the LAD to acts he would perform only as a pastor of the OPC. Rather, the clear implication of these allegations, when we construe them in favor of the plaintiff, as we must, is that Cummings has in the past, *1466currently does and in the future will engage in conduct both in his professional and personal life that could run afoul of the statute. We see nothing in the complaint that would support the state’s conclusion that Cummings asserts only his right to preach and teach within the confines of the church as a clergyman or religious leader. To the contrary, the portions of the complaint just quoted indicate that Cummings, as an individual, plans to engage in conduct that has a potential for violating the LAD’s ban on incitement of prohibited discrimination against male or female homosexuals in employment, commerce and places of public accommodation by boycott or otherwise.10 Thus, provided that a threat of enforcement restricting Cummings’ First Amendment right of free speech exists, the controversy would be ripe. Focusing solely on the question of ripeness, however, it would not be sufficient for the complaint merely to assert Cummings’ rights as a citizen. There must remain a credible threat of enforcement against him even though representations were made by the state in its affidavit disclaiming any intention to enforce the statute against religious institutions.
We have held that “[i]n order to present a justiciable controversy in an action seeking a declaratory judgment to protect against a feared future event, the plaintiff must demonstrate that the probability of that future event occurring is real and substantial, ‘of sufficient immediacy and reality to warrant the issuance of a declaratory judgement.’” Salvation Army, 919 F.2d at 192 (quoting Steffel v. Thompson, 415 U.S. 452, 460, 94 S.Ct. 1209, 1216, 89 L.Ed.2d 505 (1974)). “Where the plaintiff seeks a declaratory judgment with respect to the constitutionality of a state statute, even where the attack is on First Amendment grounds, there must be a ‘real and immediate’ threat of enforcement against the plaintiff.” Id. (quoting Hardwick v. Bowers, 760 F.2d 1202, 1206-07 (11th Cir.1985), rev’d on other grounds, 478 U.S. 186, 106 S.Ct. 2841, 92 L.Ed.2d 140 (1986)). This threat must remain extant throughout the course of the litigation and “[wjhere an intervening event removes these conditions, the court must not address the now-speculative controversy.” Id. (citing Steffel, 415 U.S. at 459 n. 10, 94 S.Ct. at 1216 n. 10 (remanding for determination of whether plaintiff still faced threat of prosecution)).
In paragraph 12 of the Stewart affidavit, the state has forsworn enforcement of the LAD with respect to church employment decisions. Stewart then states,
Under this provision [regarding church employment practices], the plaintiffs here are free, without fear of prosecution, to make employment decisions which discriminate respecting a current or prospective employee’s actual or perceived sexual orientation. Hence, such a “religious association or organization” may make decisions and engage in the practice of its sincerely-held religious beliefs within the limits only of the First Amendment. The Division has not and has no intention of construing nor enforcing the LAD in any manner which, liberally construed, would even tend *1467or threaten to violate the sincere “tenets” of any religion. Moreover, the Division has not and has no intention to engage in any determination or judgment as to what is or is not a “religious activity” of a church, or to determine what is or is not a “tenet” of religious faith.
App. at 295-96. Although this paragraph could fairly be construed to remove the threat of enforcement against the church and its religious activities, we think it fails to eschew enforcement against speech or expressive conduct outside the setting of a religious institution or office. Similarly, in paragraph 13 of his affidavit, Stewart avers that “the Division has not in the past prosecuted and has no intention to prosecute essentially exempt churches for sincerely-held religious belief or practice, or speech consistent with such belief, or for a refusal to engage in certain speech or for following their religious tenets, all within only the limits of the First Amendment.” Id. at 296 (emphasis added). Moreover, at oral argument before this court, the state pointedly limited the scope of the immunity it offered:
THE COURT: Do you agree with [plaintiffs’ counsel’s] interpretation of your affidavit?
MR. LORENTZ:' That the state has not waived enforcement against unnamed individuals, and against Reverend Cummings in his role outside of pastor because there’s nothing in the complaint or anywhere in the case that indicates that he has any other role. Certainly, he is an individual.
Tr. at 25-26.11
The literal terms of the DCR waiver go no further than the religious activities of the institutional plaintiffs and at oral argument counsel reiterated the limits of the waiver in this respect. It is nevertheless also the state’s position that the case is not ripe absent an actual prosecution. That is not the law.
In Steffel v. Thompson, 415 U.S. 452, 94 S.Ct. 1209, 39 L.Ed.2d 505 (1974), the United States Supreme Court held that where a plaintiff seeks to exercise the First Amendment’s guarantee of freedom of expression, the state need not prosecute in order to present a ripe controversy. Id. at 459, 94 S.Ct. at 1215-16. In Steffel, the plaintiff attempted to distribute handbills in a shopping center protesting the United States’s involvement in Vietnam. Id. at 455, 94 S.Ct. at 1213-14. After a prior encounter with police, plaintiff returned with a companion. Id. The police arrived and informed the protestors that if they remained, they would be arrested. Id. Plaintiff left although his companion stayed and was arrested. Id. at 456, 94 S.Ct. at 1214. Plaintiff then commenced an injunctive and declaratory action claiming the law interfered with his First Amendment rights. Id. at 454-55, 94 S.Ct. at 1213-14. The state argued the case was not ripe because there was no prosecution. The Supreme Court disagreed. “In these circumstances, it is not necessary that petitioner first expose himself to actual arrest or prosecution to be entitled to challenge a statute that he claims deters the exercise of his constitutional rights.” Id. at 459, 94 S.Ct. at 1216; see also McKay v. Heyison, 614 F.2d 899, 904 (3d Cir.1980) (“ “When the plaintiff has alleged an intention to engage in a course of conduct, arguably affected with a constitutional interest, but proscribed by a statute, and there exists a credible threat of prosecution thereunder, he “should not be required to await and undergo a criminal prosecution as the sole means of seeking relief.” ’ ” (quoting Babbitt v. United Farm *1468Workers Nat’l Union, 442 U.S. 289, 298, 99 S.Ct. 2301, 2309, 60 L.Ed.2d 895 (1979) (quoting Doe v. Bolton, 410 U.S. 179, 188, 93 S.Ct. 739, 745, 35 L.Ed.2d 201 (1973))); Chemerinsky, supra at 103 (“[I]t is well established that a case is ripe because of the substantial hardship to denying preenforcement review when a person is forced to choose between forgoing possibly lawful activity and risking substantial sanctions.”).
We recognize that Steffel differs from the instant case. There the state demonstrated its willingness to prosecute others. This added immediacy to Steffel’s claim that he faced prosecution if he engaged in proscribed expressive activity. Here the state has forsworn prosecution of Cummings in his clerical role, but it has refused to forswear his prosecution if he were to step off the pulpit and engage in the activities he alleges his First Amendment right to freedom of expression protects. The pointed nature of that refusal, both in the state’s affidavit and at oral argument, indicates to us that Reverend Cummings and others who engage in the expressive activity he describes face a real threat of prosecution. In short, to the extent this record eliminates any free exercise claims as unripe it does not do so with respect to the individual free expression claims Cummings appears to advance. Here, the state has had ample opportunity to indicate that it will not prosecute religiously motivated speakers under the aid and abet or boycott provisions. It has elected not to do so.12
Accordingly, in light of the state’s refusal to waive prosecution against Cummings when he acts outside of his institutional capacity as a pastor of the OPC, we conclude the threat of prosecution is “real and substantial,” see Salvation Army, 919 F.2d at 192, and at least the presence of Reverend Cummings as a plaintiff in this law suit presents interests sufficiently adverse to those of the state so as to satisfy the first prong of the Step-Saver inquiry.
2. Conclusiveness
The second Step-Saver factor requires us to determine whether judicial action at the present time would amount to more than an advisory opinion based upon a hypothetical set of facts. See Step-Saver, 912 F.2d at 649. As mentioned supra, predominantly legal questions are generally amenable to a conclusive determination in a preenforcement context; however, “plaintiffs raising predominantly legal claims must still meet the minimum requirements for Article III jurisdiction.” Armstrong, 961 F.2d at 421 (citing Office of Communication of United Church of Christ v. FCC, 826 F.2d 101, 105 (D.C.Cir.1987) (“[T]he presence of ‘a purely legal question’ is not enough, of itself, to render a case ripe for judicial review, not even as to that issue.”)).
In Armstrong, we approved a rationale used by the United States Court of Appeals for the Eleventh Circuit in Atlanta Gas Light Co. v. United States Department of Energy, 666 F.2d 1359 (11th Cir.), cert. denied, 459 U.S. 836, 103 S.Ct. 81, 74 L.Ed.2d 78 (1982). In Atlanta Gas Light, the court held that its conclusion of ripeness was supported by factors which included the fact that the parties’ claims would not substantially change in future litigation, that the current parties were appropriate to raise the issues at bar and that the parties would be subject to enforcement of the challenged act were it implemented. See id. at 1363 n. 7.
Here, we see no reason why disposition of this case could not conclusively determine the largely legal issues at stake. Factual development would not add much to the plaintiffs’ facial challenges to the constitutionality of the statute. To the extent that it *1469is not distinguishable, we are unpersuaded by Voluntary Association of Religious Leaders v. Waihee, 800 F.Supp. 882 (D.Haw.1992), where the court determined that a challenge similar to one now before us was not factually developed adequately enough to make the ease ripe for disposition. Id. at 890. There, the plaintiffs challenged an amendment to an anti-discrimination statute that added sexual orientation to the protected categories and made it illegal “to aid, abet, incite, compel, or coerce” any of the discriminatory practices listed by the statute. Id. at 884. The plaintiffs, who included a minister and a parishioner, “fail[ed] to allege that they are engaging in, or plan to engage in, any activities that would subject them to enforcement.” Id. at 888. The court concluded that a vague allegation that a minister would preach to his employees about the evils of homosexuality was insufficient to pose any clear threat that he would be prosecuted under the statute. Id. at 888-89. To the extent, however, that the court concluded that a facial challenge to a statute that seeks to proscribe otherwise protected First Amendment conduct such as oral advocacy and boycott is not ripe until a concrete factual situation is before the court, see id. at 890, we disagree. Presumably, in order to give the court in Waihee a concrete factual situation, a prosecution would first be necessary. We believe that Steffel teaches that a plaintiff need not choose between prosecution and stifling otherwise protected activities.
Furthermore, the Waihee court relied on the Supreme Court decision in Renne. Id. Renne involved a challenge to a California law that prohibited political parties from endorsing candidates for non-partisan offices. Renne, 501 U.S. at 315, 111 S.Ct. at 2335-36. The Court there held that the plaintiffs’ allegations that they sought to endorse officials in the future was insufficient to render the case ripe. Id. at 321, 111 S.Ct. at 2338-39.
Here, unlike Renne, Cummings alleges that he currently engages in speech and acts allegedly circumscribed by the LAD and that he will continue to do so in the future. Even if this case were finally dismissed as not ripe, Reverend Cummings or others who share his beliefs could in the future easily assert substantially similar facial attacks on the LAD in their individual capacities. Such claims would most likely parallel those claims already presented in the present action, and as such it is unlikely that there would be any change in the substance or clarity of the challenges to the LAD. Furthermore, if the LAD is enforced against private citizens and Reverend Cummings engages in the acts alleged in paragraphs 49, 51, 57, and 69 of the complaint, in his individual capacity, he would appear to be exposed to a threat of enforcement. Reverend Cummings appears to be an appropriate party to raise the first amendment freedom of expression objections to the provisions of the LAD set out in the claim. Thus, the principles discussed in Atlanta Gas Light support a conclusion that this case is ripe if Reverend Cummings has at this point expressed enough of an adverse interest to the provisions of the LAD he refers to in the complaint to permit this case to go forward.
Indeed, it is hard to see how a more concrete factual situation would aid resolution of the plaintiffs’ First Amendment free speech challenge to the statute. See Armstrong, 961 F.2d at 412. Such factual development is of minimal assistance in facial challenges such as this. Present resolution of the facial challenge would completely and decisively determine whether the amendments to the LAD that the plaintiffs object to affect the fundamental right of free speech the First Amendment protects. Accordingly, we believe the second Step-Saver element also favors holding the controversy to be ripe.
3. Utility
The final Step-Saver factor focuses on the utility served by current entry of a judgment resolving the facial challenge to the Act. In this inquiry we consider “whether the parties’ plans of actions are likely to be affected by a declaratory judgment.” Step-Saver, 912 F.2d at 649 n. 9.
It appears to us that entry of a declaratory judgment deciding the free speech issues the *1470LAD amendments pose in the instant case would be useful to the parties and others who could be affected. Although Cummings alleges that he will engage in allegedly prohibited conduct in the future, we assume his willingness to do so is likely to be affected by resolution of this action.13 Similarly, the state’s effort to enforce certain portions of the amended LAD will be affected by the resolution of this litigation. Unlike the plaintiffs in Armstrong who “d[id] not face the threat of sanction for noncompliance with [the challenged act],” Cummings does. Armstrong, 961 F.2d at 423. A declaration of his rights and those of all others who would seek to engage in similar activity would permit a person to speak without fear of governmental sanction or regulation of their activities protected by the statute.
Accordingly, we conclude that a grant or denial of relief in this case would materially affect the parties and thus this Step-Saver factor also weighs in favor of our conclusion that this controversy is ripe. We express no opinion on the merits of this case, a task that involves the meaning and interpretation of the statutory provisions under attack and their effect on our fundamental constitutional right to freedom of speech. We think that task should be performed by the district court in the first instance.
We therefore conclude that Reverend Cummings has demonstrated a ripe controversy under the three factor test set forth in Step-Saver. Because the state’s representation regarding enforcement does not eliminate the threat of enforcement against plaintiff Cummings and Cummings has averred that he does and will engage in potentially violative conduct, the parties present adverse interests in this dispute. Moreover, a final resolution of this dispute would be both conclusive on the issue and of practical help to those who seek to engage in potentially protected activity. We hold, therefore, that the district court erred in dismissing the action as unripe.14
V.
For the foregoing reasons, we will reverse the order of the district court dismissing Reverend Cummings’ first amendment freedom of expression claims for lack of jurisdiction and remand for further proceedings com sistent with this opinion. The state’s representations clearly show that the claims of the institutional plaintiffs, Presbytery and Calvary are not ripe. Stewart, the Director of the Division on Civil Rights in the Department of Law and Public Safety of the State of New Jersey and an officer of the court swears: *1471“[the. State] ... has no intention to prosecute essentially exempt churches for sincerely-held religious belief or practice, or speech consistent with such belief.... [T]his would include N.J.S.A. 10:5-12c, N.J.S.A. 10:5-12e, N.J.S.A. 10:5-12j, N.J.S.A. 10:5-121 and N.J.S.A. 10:5-12m.” App. at 296-97. Therefore, we will affirm the district court’s decision as it applies to the institutional plaintiffs.
. The caption in this case lists James Florio as the Governor of New Jersey. After it was filed, Christine Todd Whitman was elected to that office, but there has not yet been a substitution of parties. The failure to amend the caption in this respect does not affect this appeal. See Fed. R.Civ.P. 25(d)(1). We note the change for purposes of clarification only.
. Public accommodations are defined quite broadly in N.J.Stat.Ann. § 10:5 — 5(2). They include, but are not limited to, taverns, hotels, trailer camps, day camps, health facilities, stores and other retail establishments, restaurants, public conveyances, movie theaters, pool halls, schools, etc. See id.
. The court did not reach the issue of standing or Pullman abstention.
. The legislature’s finding and declaration states:
The Legislature finds and declares that practices of discrimination against any of its inhabitants, because of ... affectional or sexual orientation ... [is a] matter[ ] of concern to the government of the State, and that such discrimination threatens not only the rights and proper privileges of the inhabitants of the State but menaces the institutions and foundation of a free democratic State....
The Legislature further finds that because of discrimination, people suffer personal hardships, and the State suffers a grievous harm.... The Legislature intends that such damages be available to all persons protected by this act and that this act shall be liberally construed in combination with other protections available under the laws of this State.
N.J.Stat.Ann. § 10:5-3 (West Supp.1994).
. The Presbyterian Church (U.S.A.) as well as a number of other mainstream organized religions have filed a joint amicus brief setting out their opposition to OPC’s doctrinal views and teachings. These amici support the state's position on the merits of this case. Because we are only concerned with jurisdiction on this appeal we do not decide the merits.
. Generally, when a district court dismisses a case without prejudice, it is not a final order unless the party seeking appeal has specifically elected to stand on the complaint as set forth. See generally Borelli v. City of Reading, 532 F.2d 950, 951-52 (3d Cir.1976) (per curiam). In a *1462case such as this where the district court has dismissed based on justiciability and it appears that the plaintiffs could do nothing to cure their complaint, the principle of Borelli does not apply. Cf. Green v. Humphrey Elevator and Truck Co., 816 F.2d 877, 878 n. 4 (3d Cir.1987) (dismissal without prejudice does not destroy finality where party cannot cure defect).
. The district court did opine, however, that "even if the Church’s members were parties, nothing in the record indicates any realistic threat that the state will enforce the amendments against them." Presbytery II, 830 F.Supp. at 249. That conclusion is open to doubt considering the state’s refusal to negate in its affidavit an intention to enforce the statute against members of the Orthodox Presbyterian denomination in their secular activities.
. See Markowitz v. Northeast Land Company, 906 F.2d 100, 103 (3d Cir.1990).
. Use of the term "Reverend” in written documents is generally a respectful acknowledgment of the clergyman's calling or profession. In the same way persons in other professions are respectfully addressed as “doctor,” "attorney,” “professor,” etc. At oral argument, appellants' counsel stated he listed Cummings as the "Rev. David B. Cummings” in the caption "because that is his title.” Transcript of Oral Argument, March 25, 1994 ("Tr.”) at 5. He also indicated that if a pastor is suing in an official capacity he normally would add "as pastor of such and such" in the caption. Id.
. In an affidavit submitted in support of his opposition to summary judgment, Cummings specifically reaffirmed certain paragraphs of the complaint. He omitted, however, paragraphs alleging the intention to engage in prohibited conduct outside the church. The state argues that this omission indicates that Cummings does not intend to engage in such conduct outside the institutional setting therefore removing the possibility of prosecution.
We do not think that Cummings' failure to specifically reference the relevant paragraphs of the complaint is tantamount to a disavowal of their content. If, during the pendency of the litigation, Cummings were to disavow his intention to engage in proscribed conduct, that disavowal could deprive this case of ripeness. See Salvation Army, 919 F.2d at 192. At this preliminary juncture, however, we are advised Cummings intends to prove at trial the allegations contained in the complaint. At oral argument this intention was reiterated by his counsel, speaking as an officer of the court Absent strong indications that the allegations of the complaint have been disavowed, we are reluctant to hold a first amendment freedom of expression claim is not ripe when the complaint adequately alleges that claim, without considering Cummings' standing to assert the chilling effect of the statute’s prohibitions on freedom of expression, and we are equally reluctant to consider the standing issue on this record.
. The colloquy continues:
THE COURT: But [appellants] argued this morning ... that the title of "Reverend” in that [sic] complaints is only descriptive in that he still remains as an individual plaintiff. Now is that sophistry or is there some merit to that?
MR. LORENTZ: It is not our — we don’t understand that the thrust of the attack that was launched on the statute originally before it was severely constricted was anything but by an institution.
Obviously, because institutional protection of religion is greater under the first amendment than it is for individuals. Individuals are required to obey laws of general application.
Tr. at 26.
. The state contends that its waiver was crafted in terms of the institutional plaintiffs alone because the state considered the plaintiffs to be litigating in their institutional capacity alone and that its waiver should not be read too narrowly. The responses of counsel at oral argument before us, however, show the state still refuses to waive prosecution outside the religious setting once the plaintiffs made it clear that they sought to assert Cummings' rights as an individual. See supra note 11. We have already rejected the contention supra at 1465-66 that the complaint fails to invoke the private rights of Reverend Cummings.
. Current First Amendment jurisprudence does not require a Thoreau or a Gandhi who is willing to go to jail for his beliefs but permits the more cautious Emersons among us to assert our fears of interference with our fundamental rights in the civilized atmosphere of a court before subjecting ourselves to the risk of arrest and jail.
. Our reasons for so concluding also establish Cummings’ standing to assert a violation of his First Amendment rights. In order for a party to present a justiciable controversy, the litigant must be "entitled to have the court decide the merits of the dispute or of particular issues." Worth v. Setden, 422 U.S. 490, 498, 95 S.Ct. 2197, 2205, 45 L.Ed.2d 343 (1975). At a constitutional minimum, the litigant seeking the intervention of the federal court:
must demonstrate three things: (1) "injuiy in fact,” by which we mean an invasion of a legally protected interest that is “(a) concrete and particularized, and (b) actual or imminent, not conjectural or hypothetical”[;] (2) a causal relationship between the injury and the challenged conduct, by which we mean that the injury "fairly can be traced to the challenged action of the defendant,” and has not resulted "from the independent action of some third party not before the court”[;] and (3) a likelihood that the injury will be redressed by a favorable decision, by which we mean that the "prospect of obtaining relief from the injury as a result of a favorable ruling" is not "too speculative!)]”
Northeastern Fla. Chapter of Assoc. Gen. Contractors of Am. v. City of Jacksonville, — U.S. -, -, 113 S.Ct. 2297, 2301-02, 124 L.Ed.2d 586 (1993). It is clear that Cummings can assert his own rights as an individual and, in light of our conclusion that the state has not foregone the threat of prosecuting Cummings for what he claims are the expressive activities he wishes to engage in as a citizen, we conclude Cummings has standing without reference to the plaintiff's standing to assert the First Amendment rights of others whose expressive activities may be chilled by the threat of prosecution under the LAD.