Legislation: batch D — NY OH OK OR PA RI SC SD TX UT

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legislation/us/states/ny/2017-2018/s-1478.md

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+---
+type: "Bill"
+title: "Relates to requirements for coverage by mortgage guaranty insurance"
+description: "Relates to mortgage guaranty insurance; removes requirement that mortgage guaranty insurers restrict their coverage, net of applicable reinsurance, to twenty-five percent of the total indebtedness to an insured."
+jurisdiction: "us/states/ny"
+legislature: "New York Legislature"
+session: "2017-2018"
+identifier: "S 1478"
+citation: "New York S 1478 (2017-2018)"
+classification: ["bill"]
+subjects: []
+status: "enacted"
+primary_sponsors: ["SEWARD"]
+version_count: 2
+action_count: 13
+vote_count: 3
+first_action: "2017-01-09"
+last_action: "2017-10-23"
+source: "openstates"
+source_identifier: "ocd-bill/342fcde2-8d7a-4848-928d-5afc3aef0f78"
+source_url: "http://www.nysenate.gov/legislation/bills/2017/S1478"
+source_hash: "c3a7fe07381d1d071b79a0e6423810a6502213222f2f2a12b338295d3caaf629"
+vintage: "2026-07-01"
+source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
+retrieved_at: "2026-07-06"
+confidence: "reported"
+tags: ["legislation", "bill", "us-ny"]
+---
+
+# New York S 1478 (2017-2018) — Relates to requirements for coverage by mortgage guaranty insurance
+
+Relates to mortgage guaranty insurance; removes requirement that mortgage guaranty insurers restrict their coverage, net of applicable reinsurance, to twenty-five percent of the total indebtedness to an insured.
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **S1478 HTML** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S1478&term=2017&Text=Y)
+2. **S1478 PDF** (committee substitute) — [source](http://legislation.nysenate.gov/pdf/bills/2017/S1478)
+
+## Votes
+
+- Assembly Vote — **142–0** (pass) · lower
+- Floor Vote — **60–2** (pass) · upper
+- Insurance Vote — **18–0** (pass) · upper
+
+## Sponsors
+
+- SEWARD — primary (person)
+- BRESLIN — cosponsor (person)
+- LARKIN — cosponsor (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2017-01-09** REFERRED TO INSURANCE `referral-committee`
+- **2017-05-01** 1ST REPORT CAL.673
+- **2017-05-02** 2ND REPORT CAL.
+- **2017-05-03** ADVANCED TO THIRD READING
+- **2017-05-16** PASSED SENATE `passage`
+- **2017-05-16** DELIVERED TO ASSEMBLY
+- **2017-05-16** REFERRED TO INSURANCE `referral-committee`
+- **2017-06-13** SUBSTITUTED FOR A1953
+- **2017-06-13** ORDERED TO THIRD READING RULES CAL.208
+- **2017-06-13** PASSED ASSEMBLY `passage`
+- **2017-06-13** RETURNED TO SENATE
+- **2017-10-11** DELIVERED TO GOVERNOR `executive-receipt`
+- **2017-10-23** SIGNED CHAP.373 `executive-signature`
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/342fcde2-8d7a-4848-928d-5afc3aef0f78`. Confidence: reported (aggregated from official New York legislature records).
+