---
type: "Bill"
title: "Provides that the defense, in a mortgage foreclosure action, of the plaintiff's lack of standing is not waived because of the defendant's failure to raise such defense in his or her responsive pleading"
description: "Provides that the defense, in a mortgage foreclosure action, of the plaintiff's lack of standing is not waived because of the defendant's failure to raise such defense in his or her responsive pleading."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2019-2020"
identifier: "S 5160"
citation: "New York S 5160 (2019-2020)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["KAVANAGH"]
version_count: 1
action_count: 13
vote_count: 3
first_action: "2019-04-11"
last_action: "2019-12-23"
source: "openstates"
source_identifier: "ocd-bill/d1116b19-43b3-4ecb-8652-2fc96c438dee"
source_url: "http://www.nysenate.gov/legislation/bills/2019/S5160"
source_hash: "d344e168ea0f5f3e1b1b76adfeae2804a13774a9b000448ed2216560df12cd4d"
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 5160 (2019-2020) — Provides that the defense, in a mortgage foreclosure action, of the plaintiff's lack of standing is not waived because of the defendant's failure to raise such defense in his or her responsive pleading

Provides that the defense, in a mortgage foreclosure action, of the plaintiff's lack of standing is not waived because of the defendant's failure to raise such defense in his or her responsive pleading.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **S5160** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S5160&term=2019&Text=Y)

## Votes

- Assembly Vote — **103–44** (pass) · lower
- Housing, Construction And Community Development Vote — **8–3** (pass) · upper
- Floor Vote — **45–17** (pass) · upper

## Sponsors

- KAVANAGH — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2019-04-11** REFERRED TO HOUSING, CONSTRUCTION AND COMMUNITY DEVELOPMENT `referral-committee`
- **2019-05-07** 1ST REPORT CAL.646
- **2019-05-08** 2ND REPORT CAL.
- **2019-05-13** ADVANCED TO THIRD READING
- **2019-06-19** PASSED SENATE `passage`
- **2019-06-19** DELIVERED TO ASSEMBLY
- **2019-06-19** REFERRED TO JUDICIARY `referral-committee`
- **2019-06-20** SUBSTITUTED FOR A5619
- **2019-06-20** ORDERED TO THIRD READING CAL.250
- **2019-06-20** PASSED ASSEMBLY `passage`
- **2019-06-20** RETURNED TO SENATE
- **2019-12-17** DELIVERED TO GOVERNOR `executive-receipt`
- **2019-12-23** SIGNED CHAP.739 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d1116b19-43b3-4ecb-8652-2fc96c438dee`. Confidence: reported (aggregated from official New York legislature records).