---
type: "Bill"
title: "Relates to discharge of a mortgage"
description: "Requires a mortgagee to accept and apply payments."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2025-2026"
identifier: "A 2739"
citation: "New York A 2739 (2025-2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Catalina Cruz"]
version_count: 1
action_count: 15
vote_count: 2
first_action: "2025-01-22"
last_action: "2025-12-12"
source: "openstates"
source_identifier: "ocd-bill/38931adb-67ce-4449-931f-cca569e5ff6b"
source_url: "http://www.nysenate.gov/legislation/bills/2025/A2739"
source_hash: "cab2de3bc256ce490df271eaec628f0c9cf85601b0995a5a6cf8529da62818a6"
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 2739 (2025-2026) — Relates to discharge of a mortgage

Requires a mortgagee to accept and apply payments.

## Version chain

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

1. **A2739** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=A2739&term=2025&Text=Y)

## Votes

- Floor Vote — **61–1** (pass) · upper
- Assembly Vote — **146–0** (pass) · lower

## Sponsors

- Catalina Cruz — primary (person)

## Timeline

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

- **2025-01-22** REFERRED TO BANKS `referral-committee`
- **2025-05-28** REPORTED REFERRED TO RULES `referral-committee`
- **2025-05-29** REPORTED
- **2025-05-29** RULES REPORT CAL.304
- **2025-05-29** ORDERED TO THIRD READING RULES CAL.304
- **2025-05-29** PASSED ASSEMBLY `passage`
- **2025-05-29** DELIVERED TO SENATE
- **2025-05-29** REFERRED TO JUDICIARY `referral-committee`
- **2025-06-09** SUBSTITUTED FOR S6363
- **2025-06-09** 3RD READING CAL.1697
- **2025-06-09** PASSED SENATE `passage`
- **2025-06-09** RETURNED TO ASSEMBLY
- **2025-12-08** DELIVERED TO GOVERNOR `executive-receipt`
- **2025-12-12** SIGNED CHAP.623 `executive-signature`
- **2025-12-12** APPROVAL MEMO.18

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/38931adb-67ce-4449-931f-cca569e5ff6b`. Confidence: reported (aggregated from official New York legislature records).