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/2025-2026/a-431.md

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+---
+type: "Bill"
+title: "Relates to private education debt reporting"
+description: "Provides that each student loan servicer shall submit an annual report containing a list of all private education creditors associated with the private education debts serviced by the student loan servicer that are owed by persons who resided in New York during the prior calendar year and containing additional information for each private education creditor reported."
+jurisdiction: "us/states/ny"
+legislature: "New York Legislature"
+session: "2025-2026"
+identifier: "A 431"
+citation: "New York A 431 (2025-2026)"
+classification: ["bill"]
+subjects: []
+status: "enacted"
+primary_sponsors: ["Harvey Epstein"]
+version_count: 1
+action_count: 14
+vote_count: 2
+first_action: "2025-01-08"
+last_action: "2025-02-14"
+source: "openstates"
+source_identifier: "ocd-bill/ea532d4a-ad05-4403-a517-7fa38f6c0371"
+source_url: "http://www.nysenate.gov/legislation/bills/2025/A431"
+source_hash: "af856e5072186ed932d58676d3912705975aa6f545764b5b0546c895598e8780"
+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 A 431 (2025-2026) — Relates to private education debt reporting
+
+Provides that each student loan servicer shall submit an annual report containing a list of all private education creditors associated with the private education debts serviced by the student loan servicer that are owed by persons who resided in New York during the prior calendar year and containing additional information for each private education creditor reported.
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **A431** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=A431&term=2025&Text=Y)
+
+## Votes
+
+- Assembly Vote — **147–0** (pass) · lower
+- Floor Vote — **45–14** (pass) · upper
+
+## Sponsors
+
+- Harvey Epstein — primary (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2025-01-08** REFERRED TO BANKS `referral-committee`
+- **2025-01-14** REPORTED REFERRED TO RULES `referral-committee`
+- **2025-01-28** REPORTED
+- **2025-01-28** RULES REPORT CAL.70
+- **2025-01-28** ORDERED TO THIRD READING RULES CAL.70
+- **2025-02-03** PASSED ASSEMBLY `passage`
+- **2025-02-03** DELIVERED TO SENATE
+- **2025-02-03** REFERRED TO RULES `referral-committee`
+- **2025-02-12** SUBSTITUTED FOR S2680
+- **2025-02-12** 3RD READING CAL.163
+- **2025-02-12** PASSED SENATE `passage`
+- **2025-02-12** RETURNED TO ASSEMBLY
+- **2025-02-12** DELIVERED TO GOVERNOR `executive-receipt`
+- **2025-02-14** SIGNED CHAP.15 `executive-signature`
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/ea532d4a-ad05-4403-a517-7fa38f6c0371`. Confidence: reported (aggregated from official New York legislature records).
+