Authorizes municipalities and the department of financial services to seek civil penalties for violations of the duty to maintain a foreclosed property

Latest action Apr 27, 2026

Authorizes municipalities and the department of financial services to seek civil penalties for violations of the duty to maintain a foreclosed property in an amount of up to $650 per day for each day such violation persists after the judgement of foreclosure has been issued.

Not chosen yet

Where it stands

Passed one of the two chambers; it still needs the other.

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

New York State Senate

Amends the Real Property Actions and Proceedings Law.

Committee

Housing, Construction And Community Development · New York State Senate

Also referred to Judiciary · New York State Assembly, Judiciary · New York State Senate.

Purpose, from the sponsor's memo

Authorizes municipalities and the department of financial services to seek civil penalties for violations of the duty to maintain a foreclosed property. This bill would extend the authority of the department of financial services and municipalities to prosecute zombie properties beyond judg- ment of foreclosure by amending Real Property Actions and Proceedings Law 1307 to include the same remedies available under Real Property Actions and Proceedings Law 1308; which allow the department of finan- cial services and municipalities to sue for $5001 per violation per day after a judgment of foreclosure has been issued.

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

Recorded votes

Vote: Floor vote
NY SenateApr 27, 2026Result: passed
(58) (2) (0) (3)
Vote: Committee vote · Housing, Construction And Community Development
Senate Housing, Construction And Community DevelopmentMar 18, 2026Result: passed
(11) (0) (0) (0)
Vote: Floor vote
NY SenateMay 21, 2025Result: passed
(57) (2) (0) (3)
Vote: Committee vote · Housing, Construction And Community Development
Senate Housing, Construction And Community DevelopmentMay 12, 2025Result: passed
(11) (0) (0) (0)

Cosponsors

Steve Rhoads

Republican1

Steve Rhoads

See the full list on nysenate.gov

The sponsor's argument

Why Patricia Fahy says this is needed

This bill allows for the Department of Financial Services ("DFS" or the "Department") and municipalities to undertake additional enforcement activities relating to zombie properties. Zombie properties are mort- gage-delinquent properties that the homeowner has abandoned, which typi- cally languish for years in a state of disrepair and neglect until the mortgagee completes the foreclosure process. Currently, the Department and municipalities are contained from initiat- ing action against mortgage lenders who fail to maintain a property to code after they are awarded a judgment of foreclosure. Properties may sit in limbo for years after a judgment is issued before being sold at auction, and the inability to prosecute zombie property law violations for this category of buildings allows these property owners to abdicate their responsibilities to the community. As a result, the Department has not prosecuted zombie properties in recent years and left enforcement of zombie property laws up to municipalities, many of which do not have the resources to pursue these cases. This bill broadens the window during the foreclosure process when these cases may be filed to include the period beyond when a judgment of fore- closure is issued.

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

Apr 27, 2026
Sent to the executive
DELIVERED TO ASSEMBLY
NY Senate
Apr 27, 2026
Passed a chamber
PASSED SENATE
NY Senate
Apr 27, 2026
Referred to committee
REFERRED TO JUDICIARY
NY Assembly
Mar 23, 2026
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
Mar 19, 2026
2ND Report CAL.
2ND REPORT CAL.
NY Senate

Show full history (11 earlier events)

Mar 18, 2026
1ST Report CAL.575
1ST REPORT CAL.575
NY Senate
Jan 7, 2026
Died in Assembly
DIED IN ASSEMBLY
NY Assembly
Jan 7, 2026
Referred to committee
REFERRED TO HOUSING, CONSTRUCTION AND COMMUNITY DEVELOPMENT
NY Senate
May 22, 2025
Referred to committee
REFERRED TO JUDICIARY
NY Assembly
May 21, 2025
Sent to the executive
DELIVERED TO ASSEMBLY
NY Senate
May 21, 2025
Passed a chamber
PASSED SENATE
NY Senate
May 14, 2025
Advanced to Third Reading
ADVANCED TO THIRD READING
NY Senate
May 13, 2025
2ND Report CAL.
2ND REPORT CAL.
NY Senate
May 12, 2025
1ST Report CAL.978
1ST REPORT CAL.978
NY Senate
May 1, 2025
Amend and Recommit to Housing, Construction and Community Development
AMEND AND RECOMMIT TO HOUSING, CONSTRUCTION AND COMMUNITY DEVELOPMENT
NY Senate
Jan 15, 2025
Referred to committee
REFERRED TO HOUSING, CONSTRUCTION AND COMMUNITY DEVELOPMENT
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 31, 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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