New York S 10202: Removes certain language relating to requests for reconsideration of creditor determinations

Bill Text

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S10202 Summary:

BILL NOS10202 

&nbsp

SAME ASSAME AS A11254

&nbsp

SPONSORCLEARE

&nbsp

COSPNSR

&nbsp

MLTSPNSR

&nbsp

Amd §604-bb, Gen Bus L

&nbsp

Removes certain conditional language relating to the submission of requests for reconsideration of creditor determinations.

Go to top S10202 Actions:

BILL NOS10202 

&nbsp

05/05/2026REFERRED TO CONSUMER PROTECTION

Go to topS10202 Committee&nbspVotes:

Go to topS10202 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS10202 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 10202

 IN SENATE

 May 5, 2026
 ___________

 Introduced by Sen. CLEARE -- read twice and ordered printed, and when
 printed to be committed to the Committee on Consumer Protection

 AN ACT to amend the general business law, in relation to removing
 certain language relating to requests for reconsideration of creditor
 determinations

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Subdivision 4 of section 604-bb of the general business
 2 law, as amended by chapter 90 of the laws of 2026, is amended to read as
 3 follows:
 4 4. A debtor who receives written notice under paragraph (c) of subdi-
 5 vision three of this section that the creditor will recommence
 6 collection activities against such debtor based on such creditor's
 7 determination under subdivision three of this section may make a request
 8 to the creditor that the creditor reconsider such determination to
 9 recommence collection activities within thirty days of the date of mail-
 10 ing of such written determination. A debtor requesting reconsideration
 11 of a creditor's determination to recommence collection activities shall
 12 be permitted to submit additional adequate documentation of coerced
 13 debt, as defined in this article. A creditor who receives a debtors
 14 request for reconsideration shall complete a review of all information,
 15 including additional adequate documentation submitted, within thirty
 16 days of receiving such request. Any further reconsideration of the cred-
 17 itor's determination with regard to such particular debt shall be at the
 18 discretion of the creditor. [Submitting a request for reconsideration of
 19 the determination to the creditor shall not be a condition to bringing
 20 an action under section six hundred four-cc of this article.]
 21 § 2. This act shall take effect on the same date and in the same
 22 manner as chapter 90 of the laws of 2026, takes effect.

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD15737-01-6

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