Fabio
83 lines
3.4 KiB
Markdown
83 lines
3.4 KiB
Markdown
---
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type: "Bill"
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title: "Requires financial institutions to notify a customer prior to charging a fee based on account inactivity"
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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."
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jurisdiction: "us/states/ny"
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legislature: "New York Legislature"
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session: "2019-2020"
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identifier: "S 4188"
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citation: "New York S 4188 (2019-2020)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["KENNEDY"]
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version_count: 1
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action_count: 22
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vote_count: 5
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first_action: "2019-03-04"
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last_action: "2020-11-11"
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source: "openstates"
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source_identifier: "ocd-bill/94cdca8d-8f68-4f4d-9528-f7e1583a116c"
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source_url: "http://www.nysenate.gov/legislation/bills/2019/S4188"
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source_hash: "9f0dcd435ba1783b27f458ef8da20b25027e81696c067dae703a868360941f88"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-ny"]
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---
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# New York S 4188 (2019-2020) — Requires financial institutions to notify a customer prior to charging a fee based on account inactivity
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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.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **S4188** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S4188&term=2019&Text=Y)
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## Votes
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- Floor Vote — **62–0** (pass) · upper
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- Banks Vote — **10–0** (pass) · upper
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- Assembly Vote — **106–36** (pass) · lower
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- Floor Vote — **54–7** (pass) · upper
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- Banks Vote — **11–0** (pass) · upper
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## Sponsors
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- KENNEDY — primary (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2019-03-04** REFERRED TO BANKS `referral-committee`
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- **2019-05-29** 1ST REPORT CAL.899
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- **2019-05-30** 2ND REPORT CAL.
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- **2019-06-03** ADVANCED TO THIRD READING
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- **2019-06-13** PASSED SENATE `passage`
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- **2019-06-13** DELIVERED TO ASSEMBLY
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- **2019-06-13** REFERRED TO BANKS `referral-committee`
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- **2020-01-08** DIED IN ASSEMBLY
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- **2020-01-08** RETURNED TO SENATE
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- **2020-01-08** REFERRED TO BANKS `referral-committee`
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- **2020-01-15** 1ST REPORT CAL.178
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- **2020-01-21** 2ND REPORT CAL.
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- **2020-01-22** ADVANCED TO THIRD READING
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- **2020-02-10** PASSED SENATE `passage`
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- **2020-02-10** DELIVERED TO ASSEMBLY
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- **2020-02-10** REFERRED TO CODES `referral-committee`
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- **2020-03-04** SUBSTITUTED FOR A9140
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- **2020-03-04** ORDERED TO THIRD READING CAL.442
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- **2020-07-21** PASSED ASSEMBLY `passage`
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- **2020-07-21** RETURNED TO SENATE
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- **2020-10-30** DELIVERED TO GOVERNOR `executive-receipt`
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- **2020-11-11** SIGNED CHAP.268 `executive-signature`
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## Source
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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).
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