republic-os/legislation/us/states/ny/2021-2022/s-1566.md

type, title, description, jurisdiction, legislature, session, identifier, citation, classification, subjects, status, primary_sponsors, version_count, action_count, vote_count, first_action, last_action, source, source_identifier, source_url, source_hash, vintage, source_snapshot, retrieved_at, confidence, tags

type	title	description	jurisdiction	legislature	session	identifier	citation	classification	subjects	status	primary_sponsors	version_count	action_count	vote_count	first_action	last_action	source	source_identifier	source_url	source_hash	vintage	source_snapshot	retrieved_at	confidence	tags
Bill	Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores	Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores; makes related provisions.	us/states/ny	New York Legislature	2021-2022	S 1566	New York S 1566 (2021-2022)	bill		enacted	SANDERS	2	20	4	2021-01-13	2021-11-03	openstates	ocd-bill/5a3df6a2-b78a-4976-8d16-9e490d28db05	http://www.nysenate.gov/legislation/bills/2021/S1566	75def437704925b7b941d5d5b46124b3a74747755cfc26502a38adb3ce24c85a	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-ny

New York S 1566 (2021-2022) — Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores

Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores; makes related provisions.

Version chain

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

1. S1566 (committee substitute) — source
2. S1566A (committee substitute) — source

Votes

• Floor Vote — 48–15 (pass) · upper
• Floor Vote - Version: A — 48–15 (pass) · upper
• Assembly Vote — 110–39 (pass) · lower
• Banks Vote — 8–3 (pass) · upper

Sponsors

• SANDERS — primary (person)
• LIU — cosponsor (person)
• SEPULVEDA — cosponsor (person)

Timeline

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

• 2021-01-13 REFERRED TO BANKS referral-committee
• 2021-01-26 1ST REPORT CAL.189
• 2021-02-01 2ND REPORT CAL.
• 2021-02-02 ADVANCED TO THIRD READING
• 2021-03-03 PASSED SENATE passage
• 2021-03-03 DELIVERED TO ASSEMBLY
• 2021-03-03 REFERRED TO BANKS referral-committee
• 2021-05-25 RECALLED FROM ASSEMBLY
• 2021-05-25 RETURNED TO SENATE
• 2021-05-25 VOTE RECONSIDERED - RESTORED TO THIRD READING
• 2021-05-25 AMENDED ON THIRD READING (T) 1566A amendment-passage
• 2021-06-01 REPASSED SENATE passage
• 2021-06-01 RETURNED TO ASSEMBLY
• 2021-06-01 REFERRED TO BANKS referral-committee
• 2021-06-01 SUBSTITUTED FOR A5915A
• 2021-06-01 ORDERED TO THIRD READING RULES CAL.194
• 2021-06-08 PASSED ASSEMBLY passage
• 2021-06-08 RETURNED TO SENATE
• 2021-10-22 DELIVERED TO GOVERNOR executive-receipt
• 2021-11-03 SIGNED CHAP.568 executive-signature

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/5a3df6a2-b78a-4976-8d16-9e490d28db05. Confidence: reported (aggregated from official New York legislature records).