---
type: "Bill"
title: "Requires financial institutions to notify a customer prior to charging a fee based on account inactivity"
description: "Requires financial institutions to notify a customer thirty days prior to charging a fee based on account inactivity; requires such notice to include a telephone number and the full contact information of a representative of the financial institution responsible for resolving any matter relating to the fee."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2019-2020"
identifier: "S 4188"
citation: "New York S 4188 (2019-2020)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["KENNEDY"]
version_count: 1
action_count: 22
vote_count: 5
first_action: "2019-03-04"
last_action: "2020-11-11"
source: "openstates"
source_identifier: "ocd-bill/94cdca8d-8f68-4f4d-9528-f7e1583a116c"
source_url: "http://www.nysenate.gov/legislation/bills/2019/S4188"
source_hash: "9f0dcd435ba1783b27f458ef8da20b25027e81696c067dae703a868360941f88"
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 4188 (2019-2020) — Requires financial institutions to notify a customer prior to charging a fee based on account inactivity

Requires financial institutions to notify a customer thirty days prior to charging a fee based on account inactivity; requires such notice to include a telephone number and the full contact information of a representative of the financial institution responsible for resolving any matter relating to the fee.

## Version chain

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

1. **S4188** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S4188&term=2019&Text=Y)

## Votes

- Floor Vote — **62–0** (pass) · upper
- Banks Vote — **10–0** (pass) · upper
- Assembly Vote — **106–36** (pass) · lower
- Floor Vote — **54–7** (pass) · upper
- Banks Vote — **11–0** (pass) · upper

## Sponsors

- KENNEDY — primary (person)

## Timeline

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

- **2019-03-04** REFERRED TO BANKS `referral-committee`
- **2019-05-29** 1ST REPORT CAL.899
- **2019-05-30** 2ND REPORT CAL.
- **2019-06-03** ADVANCED TO THIRD READING
- **2019-06-13** PASSED SENATE `passage`
- **2019-06-13** DELIVERED TO ASSEMBLY
- **2019-06-13** REFERRED TO BANKS `referral-committee`
- **2020-01-08** DIED IN ASSEMBLY
- **2020-01-08** RETURNED TO SENATE
- **2020-01-08** REFERRED TO BANKS `referral-committee`
- **2020-01-15** 1ST REPORT CAL.178
- **2020-01-21** 2ND REPORT CAL.
- **2020-01-22** ADVANCED TO THIRD READING
- **2020-02-10** PASSED SENATE `passage`
- **2020-02-10** DELIVERED TO ASSEMBLY
- **2020-02-10** REFERRED TO CODES `referral-committee`
- **2020-03-04** SUBSTITUTED FOR A9140
- **2020-03-04** ORDERED TO THIRD READING CAL.442
- **2020-07-21** PASSED ASSEMBLY `passage`
- **2020-07-21** RETURNED TO SENATE
- **2020-10-30** DELIVERED TO GOVERNOR `executive-receipt`
- **2020-11-11** SIGNED CHAP.268 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/94cdca8d-8f68-4f4d-9528-f7e1583a116c`. Confidence: reported (aggregated from official New York legislature records).