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---
type: "Bill"
title: "Relates to loan counseling services for a mortgage guaranteed under the \"Servicemen's Readjustment Act of 1944\""
description: "Provides that a veteran seeking a housing loan under chapter 37 of title 38 of the United States Code be offered loan counseling services by a counselor certified by the United States department of housing and urban development under Part 214 of Title 24 of the Code of Federal Regulations prior to the processing of such application by a banking institution or mortgage lender and that the department of veterans' services shall promulgate regulations to ensure that no conflicts of interest exist between counselors and mortgage companies."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2023-2024"
identifier: "S 2229"
citation: "New York S 2229 (2023-2024)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["James Sanders Jr."]
version_count: 1
action_count: 11
vote_count: 3
first_action: "2023-01-19"
last_action: "2023-03-03"
source: "openstates"
source_identifier: "ocd-bill/7a3851c4-4de8-40cc-bd52-011a904aacb1"
source_url: "http://www.nysenate.gov/legislation/bills/2023/S2229"
source_hash: "ea2f6e0251d65ab048a6d182c8de7248bc8eaa32362a907fecb5723c7d094c7e"
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 2229 (2023-2024) — Relates to loan counseling services for a mortgage guaranteed under the "Servicemen's Readjustment Act of 1944"
Provides that a veteran seeking a housing loan under chapter 37 of title 38 of the United States Code be offered loan counseling services by a counselor certified by the United States department of housing and urban development under Part 214 of Title 24 of the Code of Federal Regulations prior to the processing of such application by a banking institution or mortgage lender and that the department of veterans' services shall promulgate regulations to ensure that no conflicts of interest exist between counselors and mortgage companies.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **S2229** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=S2229&term=2023&Text=Y)
## Votes
- Rules Vote — **21–0** (pass) · upper
- Assembly Vote — **139–0** (pass) · lower
- Floor Vote — **61–0** (pass) · upper
## Sponsors
- James Sanders Jr. — primary (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2023-01-19** REFERRED TO RULES `referral-committee`
- **2023-01-23** ORDERED TO THIRD READING CAL.166
- **2023-02-07** PASSED SENATE `passage`
- **2023-02-07** DELIVERED TO ASSEMBLY
- **2023-02-07** REFERRED TO BANKS `referral-committee`
- **2023-02-15** SUBSTITUTED FOR A633
- **2023-02-15** ORDERED TO THIRD READING RULES CAL.91
- **2023-02-15** PASSED ASSEMBLY `passage`
- **2023-02-15** RETURNED TO SENATE
- **2023-03-03** DELIVERED TO GOVERNOR `executive-receipt`
- **2023-03-03** SIGNED CHAP.102 `executive-signature`
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/7a3851c4-4de8-40cc-bd52-011a904aacb1`. Confidence: reported (aggregated from official New York legislature records).