---
type: "Bill"
title: "Extends the effectiveness of provisions of law relating to permissible fees in connection with open end loans"
description: "Extends the effectiveness of provisions of law relating to permissible fees in connection with open end loans from June 30, 2025 until June 30, 2027."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2025-2026"
identifier: "A 8409"
citation: "New York A 8409 (2025-2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Rebecca Seawright"]
version_count: 1
action_count: 14
vote_count: 2
first_action: "2025-05-14"
last_action: "2025-06-20"
source: "openstates"
source_identifier: "ocd-bill/b29df073-f7f8-422f-9aa9-857044da527b"
source_url: "http://www.nysenate.gov/legislation/bills/2025/A8409"
source_hash: "24ad611b4aeae2ea7e0b34a3f88c64f6bab83ea5969c7992ed312957ad1a0adf"
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 8409 (2025-2026) — Extends the effectiveness of provisions of law relating to permissible fees in connection with open end loans

Extends the effectiveness of provisions of law relating to permissible fees in connection with open end loans from June 30, 2025 until June 30, 2027.

## Version chain

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

1. **A8409** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=A8409&term=2025&Text=Y)

## Votes

- Floor Vote — **56–2** (pass) · upper
- Assembly Vote — **143–0** (pass) · lower

## Sponsors

- Rebecca Seawright — primary (person)
- Al Taylor — cosponsor (person)

## Timeline

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

- **2025-05-14** REFERRED TO BANKS `referral-committee`
- **2025-05-19** REPORTED REFERRED TO RULES `referral-committee`
- **2025-05-21** REPORTED
- **2025-05-21** RULES REPORT CAL.246
- **2025-05-21** ORDERED TO THIRD READING RULES CAL.246
- **2025-05-21** PASSED ASSEMBLY `passage`
- **2025-05-21** DELIVERED TO SENATE
- **2025-05-21** REFERRED TO BANKS `referral-committee`
- **2025-06-10** SUBSTITUTED FOR S8292
- **2025-06-10** 3RD READING CAL.1589
- **2025-06-10** PASSED SENATE `passage`
- **2025-06-10** RETURNED TO ASSEMBLY
- **2025-06-18** DELIVERED TO GOVERNOR `executive-receipt`
- **2025-06-20** SIGNED CHAP.144 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b29df073-f7f8-422f-9aa9-857044da527b`. Confidence: reported (aggregated from official New York legislature records).