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/2021-2022/s-1566.md

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+---
+type: "Bill"
+title: "Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores"
+description: "Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores; makes related provisions."
+jurisdiction: "us/states/ny"
+legislature: "New York Legislature"
+session: "2021-2022"
+identifier: "S 1566"
+citation: "New York S 1566 (2021-2022)"
+classification: ["bill"]
+subjects: []
+status: "enacted"
+primary_sponsors: ["SANDERS"]
+version_count: 2
+action_count: 20
+vote_count: 4
+first_action: "2021-01-13"
+last_action: "2021-11-03"
+source: "openstates"
+source_identifier: "ocd-bill/5a3df6a2-b78a-4976-8d16-9e490d28db05"
+source_url: "http://www.nysenate.gov/legislation/bills/2021/S1566"
+source_hash: "75def437704925b7b941d5d5b46124b3a74747755cfc26502a38adb3ce24c85a"
+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 1566 (2021-2022) — Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores
+
+Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores; makes related provisions.
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **S1566** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S1566&term=2021&Text=Y)
+2. **S1566A** (committee substitute) — [source](http://legislation.nysenate.gov/pdf/bills/2021/S1566A)
+
+## Votes
+
+- Floor Vote — **48–15** (pass) · upper
+- Floor Vote - Version: A — **48–15** (pass) · upper
+- Assembly Vote — **110–39** (pass) · lower
+- Banks Vote — **8–3** (pass) · upper
+
+## Sponsors
+
+- SANDERS — primary (person)
+- LIU — cosponsor (person)
+- SEPULVEDA — cosponsor (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2021-01-13** REFERRED TO BANKS `referral-committee`
+- **2021-01-26** 1ST REPORT CAL.189
+- **2021-02-01** 2ND REPORT CAL.
+- **2021-02-02** ADVANCED TO THIRD READING
+- **2021-03-03** PASSED SENATE `passage`
+- **2021-03-03** DELIVERED TO ASSEMBLY
+- **2021-03-03** REFERRED TO BANKS `referral-committee`
+- **2021-05-25** RECALLED FROM ASSEMBLY
+- **2021-05-25** RETURNED TO SENATE
+- **2021-05-25** VOTE RECONSIDERED - RESTORED TO THIRD READING
+- **2021-05-25** AMENDED ON THIRD READING (T) 1566A `amendment-passage`
+- **2021-06-01** REPASSED SENATE `passage`
+- **2021-06-01** RETURNED TO ASSEMBLY
+- **2021-06-01** REFERRED TO BANKS `referral-committee`
+- **2021-06-01** SUBSTITUTED FOR A5915A
+- **2021-06-01** ORDERED TO THIRD READING RULES CAL.194
+- **2021-06-08** PASSED ASSEMBLY `passage`
+- **2021-06-08** RETURNED TO SENATE
+- **2021-10-22** DELIVERED TO GOVERNOR `executive-receipt`
+- **2021-11-03** SIGNED CHAP.568 `executive-signature`
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/5a3df6a2-b78a-4976-8d16-9e490d28db05`. Confidence: reported (aggregated from official New York legislature records).
+