---
type: "Bill"
title: "Establishes a right of action for claims arising out of coerced debts"
description: "Prohibits creditors from enforcing a consumer debt incurred as a result of fraud, duress, intimidation, threat, force, identity theft, exploitation of the debtor's personal information or similar economic abuse perpetrated against a debtor; establishes a right of action by the debtor for relief against creditors for violations; makes related provisions."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2025-2026"
identifier: "S 1353"
citation: "New York S 1353 (2025-2026)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Cordell Cleare"]
version_count: 3
action_count: 24
vote_count: 5
first_action: "2025-01-09"
last_action: "2025-12-19"
source: "openstates"
source_identifier: "ocd-bill/b7a82fb5-3b0a-4b10-b3b5-1058c5dfa05b"
source_url: "http://www.nysenate.gov/legislation/bills/2025/S1353"
source_hash: "68d539f5a735d7de9a9c68e536253a07359c46ff7c6c582e7efbbe8d0c09528c"
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 1353 (2025-2026) — Establishes a right of action for claims arising out of coerced debts

Prohibits creditors from enforcing a consumer debt incurred as a result of fraud, duress, intimidation, threat, force, identity theft, exploitation of the debtor's personal information or similar economic abuse perpetrated against a debtor; establishes a right of action by the debtor for relief against creditors for violations; makes related provisions.

## Version chain

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

1. **S1353** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S1353&term=2025&Text=Y)
2. **S1353A** (committee substitute) — [source](http://legislation.nysenate.gov/pdf/bills/2025/S1353A)
3. **S1353B** (committee substitute) — [source](http://legislation.nysenate.gov/pdf/bills/2025/S1353B)

## Votes

- Judiciary Vote - Version: A — **17–2** (pass) · upper
- Floor Vote - Version: A — **46–11** (pass) · upper
- Consumer Protection Vote — **7–0** (pass) · upper
- Assembly Vote — **96–50** (pass) · lower
- Floor Vote - Version: B — **51–11** (pass) · upper

## Sponsors

- Cordell Cleare — primary (person)
- Brad Hoylman-Sigal — cosponsor (person)
- Julia Salazar — cosponsor (person)
- Lea Webb — cosponsor (person)
- Leroy Comrie — cosponsor (person)
- Robert Jackson — cosponsor (person)
- Zellnor Myrie — cosponsor (person)

## Timeline

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

- **2025-01-09** REFERRED TO CONSUMER PROTECTION `referral-committee`
- **2025-01-28** REPORTED AND COMMITTED TO JUDICIARY `referral-committee`
- **2025-04-01** AMEND AND RECOMMIT TO JUDICIARY `amendment-passage, referral-committee`
- **2025-04-01** PRINT NUMBER 1353A `amendment-passage`
- **2025-04-29** 1ST REPORT CAL.773
- **2025-04-30** 2ND REPORT CAL.
- **2025-05-01** ADVANCED TO THIRD READING
- **2025-05-13** PASSED SENATE `passage`
- **2025-05-13** DELIVERED TO ASSEMBLY
- **2025-05-13** REFERRED TO CODES `referral-committee`
- **2025-05-22** RECALLED FROM ASSEMBLY
- **2025-05-22** RETURNED TO SENATE
- **2025-05-22** VOTE RECONSIDERED - RESTORED TO THIRD READING
- **2025-05-22** AMENDED ON THIRD READING 1353B `amendment-passage`
- **2025-06-09** REPASSED SENATE `passage`
- **2025-06-09** RETURNED TO ASSEMBLY
- **2025-06-09** REFERRED TO CODES `referral-committee`
- **2025-06-11** SUBSTITUTED FOR A3038B
- **2025-06-11** ORDERED TO THIRD READING RULES CAL.305
- **2025-06-11** PASSED ASSEMBLY `passage`
- **2025-06-11** RETURNED TO SENATE
- **2025-12-08** DELIVERED TO GOVERNOR `executive-receipt`
- **2025-12-19** SIGNED CHAP.710 `executive-signature`
- **2025-12-19** APPROVAL MEMO.85

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b7a82fb5-3b0a-4b10-b3b5-1058c5dfa05b`. Confidence: reported (aggregated from official New York legislature records).