Fabio
83 lines
3.3 KiB
Markdown
83 lines
3.3 KiB
Markdown
---
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type: "Bill"
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title: "Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores"
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description: "Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores; makes related provisions."
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jurisdiction: "us/states/ny"
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legislature: "New York Legislature"
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session: "2021-2022"
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identifier: "S 1566"
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citation: "New York S 1566 (2021-2022)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["SANDERS"]
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version_count: 2
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action_count: 20
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vote_count: 4
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first_action: "2021-01-13"
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last_action: "2021-11-03"
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source: "openstates"
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source_identifier: "ocd-bill/5a3df6a2-b78a-4976-8d16-9e490d28db05"
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source_url: "http://www.nysenate.gov/legislation/bills/2021/S1566"
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source_hash: "75def437704925b7b941d5d5b46124b3a74747755cfc26502a38adb3ce24c85a"
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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 1566 (2021-2022) — Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores
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Requires banks to provide written notification that accepting an alternative loan payment schedule may have a negative impact on credit scores; makes related provisions.
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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. **S1566** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S1566&term=2021&Text=Y)
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2. **S1566A** (committee substitute) — [source](http://legislation.nysenate.gov/pdf/bills/2021/S1566A)
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## Votes
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- Floor Vote — **48–15** (pass) · upper
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- Floor Vote - Version: A — **48–15** (pass) · upper
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- Assembly Vote — **110–39** (pass) · lower
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- Banks Vote — **8–3** (pass) · upper
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## Sponsors
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- SANDERS — primary (person)
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- LIU — cosponsor (person)
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- SEPULVEDA — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2021-01-13** REFERRED TO BANKS `referral-committee`
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- **2021-01-26** 1ST REPORT CAL.189
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- **2021-02-01** 2ND REPORT CAL.
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- **2021-02-02** ADVANCED TO THIRD READING
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- **2021-03-03** PASSED SENATE `passage`
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- **2021-03-03** DELIVERED TO ASSEMBLY
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- **2021-03-03** REFERRED TO BANKS `referral-committee`
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- **2021-05-25** RECALLED FROM ASSEMBLY
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- **2021-05-25** RETURNED TO SENATE
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- **2021-05-25** VOTE RECONSIDERED - RESTORED TO THIRD READING
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- **2021-05-25** AMENDED ON THIRD READING (T) 1566A `amendment-passage`
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- **2021-06-01** REPASSED SENATE `passage`
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- **2021-06-01** RETURNED TO ASSEMBLY
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- **2021-06-01** REFERRED TO BANKS `referral-committee`
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- **2021-06-01** SUBSTITUTED FOR A5915A
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- **2021-06-01** ORDERED TO THIRD READING RULES CAL.194
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- **2021-06-08** PASSED ASSEMBLY `passage`
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- **2021-06-08** RETURNED TO SENATE
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- **2021-10-22** DELIVERED TO GOVERNOR `executive-receipt`
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- **2021-11-03** SIGNED CHAP.568 `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/5a3df6a2-b78a-4976-8d16-9e490d28db05`. Confidence: reported (aggregated from official New York legislature records).
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