---
type: "Bill"
title: "Makes the affirmative allegation provisions for high-cost loans and subprime home loans applicable to foreclosures of residential mortgages covering one to four family dwellings"
description: "Makes the affirmative allegation provisions for high-cost loans and subprime home loans applicable to foreclosures of residential mortgages covering one to four family dwellings."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2021-2022"
identifier: "S 5785"
citation: "New York S 5785 (2021-2022)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["COMRIE"]
version_count: 2
action_count: 25
vote_count: 4
first_action: "2021-03-18"
last_action: "2021-08-02"
source: "openstates"
source_identifier: "ocd-bill/c271d455-19f1-4003-b1de-e1dd71f6ae79"
source_url: "http://www.nysenate.gov/legislation/bills/2021/S5785"
source_hash: "0a7b34bed9cf21ac96ec38de5e69f757cdd7cc38bb0dbcdcec3c99f8e71e3f0e"
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 5785 (2021-2022) — Makes the affirmative allegation provisions for high-cost loans and subprime home loans applicable to foreclosures of residential mortgages covering one to four family dwellings

Makes the affirmative allegation provisions for high-cost loans and subprime home loans applicable to foreclosures of residential mortgages covering one to four family dwellings.

## Version chain

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

1. **S5785** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S5785&term=2021&Text=Y)
2. **S5785A** (committee substitute) — [source](http://legislation.nysenate.gov/pdf/bills/2021/S5785A)

## Votes

- Housing, Construction And Community Development Vote — **10–1** (pass) · upper
- Floor Vote - Version: A — **45–18** (pass) · upper
- Floor Vote — **45–18** (pass) · upper
- Assembly Vote — **147–2** (pass) · lower

## Sponsors

- COMRIE — primary (person)

## Timeline

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

- **2021-03-18** REFERRED TO HOUSING, CONSTRUCTION AND COMMUNITY DEVELOPMENT `referral-committee`
- **2021-05-04** 1ST REPORT CAL.919
- **2021-05-05** 2ND REPORT CAL.
- **2021-05-10** ADVANCED TO THIRD READING
- **2021-05-12** PASSED SENATE `passage`
- **2021-05-12** DELIVERED TO ASSEMBLY
- **2021-05-12** REFERRED TO JUDICIARY `referral-committee`
- **2021-05-24** SUBSTITUTED FOR A2502
- **2021-05-24** ORDERED TO THIRD READING RULES CAL.82
- **2021-06-01** SUBSTITUTION RECONSIDERED
- **2021-06-01** RECOMMITTED TO JUDICIARY `referral-committee`
- **2021-06-03** RECALLED FROM ASSEMBLY
- **2021-06-03** RETURNED TO SENATE
- **2021-06-03** VOTE RECONSIDERED - RESTORED TO THIRD READING
- **2021-06-03** AMENDED ON THIRD READING 5785A `amendment-passage`
- **2021-06-07** REPASSED SENATE `passage`
- **2021-06-07** RETURNED TO ASSEMBLY
- **2021-06-07** REFERRED TO WAYS AND MEANS `referral-committee`
- **2021-06-07** SUBSTITUTED FOR A2502A
- **2021-06-07** ORDERED TO THIRD READING RULES CAL.82
- **2021-06-07** PASSED ASSEMBLY `passage`
- **2021-06-07** RETURNED TO SENATE
- **2021-07-21** DELIVERED TO GOVERNOR `executive-receipt`
- **2021-08-02** SIGNED CHAP.395 `executive-signature`
- **2021-08-02** APPROVAL MEMO.16

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c271d455-19f1-4003-b1de-e1dd71f6ae79`. Confidence: reported (aggregated from official New York legislature records).