Establishes a right of action for claims arising out of coerced debts

Latest action Dec 19, 2025

Prohibits creditors from enforcing a consumer debt incurred as a result of fraud, duress, intimidation, threat, force, identity theft, exploitation of the debtor's personal information or similar economic abuse perpetrated against a debtor; establishes a right of action by the debtor for relief against creditors for violations; makes related provisions.

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Where it stands

Signed into law.

Introduced
In committee
Up for a vote
Passed one chamber
Passed
Enacted

New York State Senate

Same as A3038, the matching bill in the Assembly.

Amends the General Business Law.

Committee

Codes · New York State Assembly

Also referred to Codes · New York State Senate, Consumer Affairs and Protection · New York State Assembly, Consumer Protection · New York State Senate.

Purpose, from the sponsor's memo

This legislation will protect survivors of domestic violence and others who have become victims of economic abuse by providing them with a right of action.

Filed with the bill. Read it on nysenate.gov (opens in a new tab)

Recorded votes

Vote: Floor vote
NY SenateJun 9, 2025Result: passed
(51) (11) (0) (1)
Vote: Floor vote
NY SenateMay 13, 2025Result: passed
(46) (11) (0) (5)
Vote: Committee vote · Judiciary
Senate JudiciaryApr 29, 2025Result: passed
(17) (2) (0) (0)
Vote: Committee vote · Consumer Protection
Senate Consumer ProtectionJan 28, 2025Result: passed
(7) (0) (0) (0)

Cosponsors

Al Taylor, Amy Paulin and 19 more on Agora

Democratic21

See the full list on nysenate.gov

The sponsor's argument

Why Cordell Cleare says this is needed

According to the National Coalition Against Domestic Violence; more than 90% of domestic violence survivors have suffered economic abuse. Economic abuse often involves coerced debt, whereby an abuser. threat- ens, intimidates or otherwise forces a partner to incur debts against their will. Coerced debt may include covertly applying for credit cards or loans in a victim's name or forcing the victim to submit such appli- cations, refinancing a home mortgage or car loan or any other action that would force a victim to engage in a credit-related transaction. When a person falls victim to coerced debt, it can have devastating impacts on their credit rating and make it increasingly difficult for them to obtain loans, various forms of insurance, housing and other services in the future. Leaving a domestic violence situation is an incredibly unnerving experience, often requiring a person to relocate, secure new housing and employment, navigate legal processes and more. No survivor of domestic violence should also have their finances impacted for years to come due to debt they were forced to incur. This legislation would ensure that survivors are not held liable for such coerced debt by providing the debtor an opportunity to establish that the debt in question was coerced. Upon a determination that such debt was coerced; the creditor could be required to cease collection activities and not hold the victim personally liable for the debt.

This is the sponsor's own case for the bill, quoted from their memorandum. It is not Agora's description of what the bill does.

Full history

Dec 19, 2025
Approval MEMO.85
APPROVAL MEMO.85
NY Senate
Dec 19, 2025
Signed
SIGNED CHAP.710
NY Senate
Dec 8, 2025
Sent to the executive
DELIVERED TO GOVERNOR
NY Senate
Jun 11, 2025
Ordered to Third Reading Rules CAL.305
ORDERED TO THIRD READING RULES CAL.305
NY Assembly
Jun 11, 2025
Passed a chamber
PASSED ASSEMBLY
NY Assembly

Show full history (23 earlier events)

Jun 11, 2025
Substituted
SUBSTITUTED FOR A3038B
NY Assembly
Jun 9, 2025
Referred to committee
REFERRED TO CODES
NY Assembly
Jun 9, 2025
Passed a chamber
REPASSED SENATE
NY Senate
Jun 9, 2025
Returned to Assembly
RETURNED TO ASSEMBLY
NY Senate
May 29, 2025
Reported out of committee
REPORTED
NY Assembly
May 29, 2025
Rules Report CAL.305
RULES REPORT CAL.305
NY Assembly
May 28, 2025
Reported out of committee
REPORTED REFERRED TO RULES
NY Assembly
May 22, 2025
Amended
AMENDED ON THIRD READING 1353B
NY Senate
May 22, 2025
Recalled From Assembly
RECALLED FROM ASSEMBLY
NY Senate
May 22, 2025
Returned to Senate
RETURNED TO SENATE
NY Assembly
May 21, 2025
Amend and Recommit to Codes
AMEND AND RECOMMIT TO CODES
NY Assembly
May 13, 2025
Sent to the executive
DELIVERED TO ASSEMBLY
NY Senate
May 13, 2025
Passed a chamber
PASSED SENATE
NY Senate
May 13, 2025
Referred to committee
REFERRED TO CODES
NY Assembly
May 1, 2025
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
Apr 30, 2025
2ND Report CAL.
2ND REPORT CAL.
NY Senate
Apr 29, 2025
1ST Report CAL.773
1ST REPORT CAL.773
NY Senate
Apr 1, 2025
Amend and Recommit to Judiciary
AMEND AND RECOMMIT TO JUDICIARY
NY Senate
Mar 25, 2025
Reported out of committee
REPORTED REFERRED TO CODES
NY Assembly
Mar 13, 2025
Amend and Recommit to Consumer Affairs and Protection
AMEND AND RECOMMIT TO CONSUMER AFFAIRS AND PROTECTION
NY Assembly
Jan 28, 2025
Reported out of committee
REPORTED AND COMMITTED TO JUDICIARY
NY Senate
Jan 23, 2025
Referred to committee
REFERRED TO CONSUMER AFFAIRS AND PROTECTION
NY Assembly
Jan 9, 2025
Referred to committee
REFERRED TO CONSUMER PROTECTION
NY Senate

About this record

Summary: The summary comes from NY Open Legislation, the New York State Senate's public record. For more, see How we handle summaries.
Cosponsors: The list shows the cosponsors who are on Agora, A to Z. The official record may list more.
Party colors: Parties are shown in the same neutral colors.
Source: From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 21, 2026. About our data

Read the record

Read on NY Senate (opens in a new tab) The official record on nysenate.gov.

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