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Senate bill · S6388 (2025-26)

Provides for electronic notice for collateral loan brokers

PassedLatest action May 29, 2026

New York State Senate

Same as A3228, the matching bill in the Assembly.

Passed as A3228, the matching Assembly bill.

Sponsor

Pete Harckham

State Senator, District 40 · Democratic/Working Families

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Summary

Provides for notice of intention to sell and notice of surplus to be made by e-mail or text message.

Summary from NY Open Legislation. How we handle summaries

Amends the General Business Law.

From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 22, 2026. About our data

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Purpose, from the sponsor's memo

Provides for electronic (email or text message) notice of intention to sell defaulted pledges and notice of surplus, reserving the borrower the right to receive a written notice by mail in the alternative.

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

Where it stands

Passed the legislature and is awaiting a signature.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

Consumer Affairs and Protection · New York State Assembly

Also referred to Consumer Protection · New York State Senate.

Cosponsors

Angelo Santabarbara

Showing the cosponsors who are on Agora, A to Z. The official record may list more.

Read on NY Senate (opens in a new tab)
  • Democratic1

Shown in neutral colors by design; Agora is non-partisan.

The sponsor's argument

Why Pete Harckham says this is needed

Technological developments in daily life have led consumers and busi- nesses to replace transactions and communications conducted tradi- tionally on paper with electronic mediums (text message or email). New York law requires paper documents for collateral loan communications between lender and borrower, limiting modern preference between parties and hindering critical communication. This legislation also still allows customers who prefer to receive a potential notice of sale (and notice of surplus) to elect to receive both present and future notices by traditional mail at no cost or obli- gation. This bill is intended to have statewide application notwith- standing any general or special statutes, local laws and ordinances to the contrary.

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.

Recorded votes

  • Vote: Floor vote

    NY SenateMay 29, 2026Result: passedSenate vote on A3228, the matching Assembly bill.

    (58) (0) (0) (5)

  • Vote: Committee vote · Consumer Protection

    Senate Consumer ProtectionApr 28, 2026Result: passed

    (7) (0) (0) (0)

Full history

  1. May 29, 2026

    3RD Reading CAL.833

    3RD READING CAL.833

    NY Senate

  2. May 29, 2026

    Passed a chamber

    PASSED SENATE

    NY Senate

  3. May 29, 2026

    Substituted

    SUBSTITUTED FOR S6388A

    NY Senate

  4. May 4, 2026

    Advanced to Third Reading

    ADVANCED TO THIRD READING

    NY Senate

  5. Apr 29, 2026

    2ND Report CAL.

    2ND REPORT CAL.

    NY Senate

Show full history (17 earlier events)
  1. Apr 28, 2026

    1ST Report CAL.833

    1ST REPORT CAL.833

    NY Senate

  2. Mar 4, 2026

    Amend and Recommit to Consumer Protection

    AMEND AND RECOMMIT TO CONSUMER PROTECTION

    NY Senate

  3. Jan 28, 2026

    Sent to the executive

    DELIVERED TO SENATE

    NY Assembly

  4. Jan 28, 2026

    Passed a chamber

    PASSED ASSEMBLY

    NY Assembly

  5. Jan 28, 2026

    Referred to committee

    REFERRED TO CONSUMER PROTECTION

    NY Senate

  6. Jan 20, 2026

    Amended

    AMENDED ON THIRD READING 3228A

    NY Assembly

  7. Jan 7, 2026

    Died in Senate

    DIED IN SENATE

    NY Senate

  8. Jan 7, 2026

    Ordered to Third Reading CAL.105

    ORDERED TO THIRD READING CAL.105

    NY Assembly

  9. Jan 7, 2026

    Referred to committee

    REFERRED TO CONSUMER PROTECTION

    NY Senate

  10. Jun 13, 2025

    Sent to the executive

    DELIVERED TO SENATE

    NY Assembly

  11. Jun 13, 2025

    Passed a chamber

    PASSED ASSEMBLY

    NY Assembly

  12. Jun 12, 2025

    Reported out of committee

    REPORTED

    NY Assembly

  13. Jun 12, 2025

    Rules Report CAL.647

    RULES REPORT CAL.647

    NY Assembly

  14. Jun 5, 2025

    Reported out of committee

    REPORTED REFERRED TO RULES

    NY Assembly

  15. May 19, 2025

    Reported out of committee

    REPORTED REFERRED TO CODES

    NY Assembly

  16. Mar 13, 2025

    Referred to committee

    REFERRED TO CONSUMER PROTECTION

    NY Senate

  17. Jan 27, 2025

    Referred to committee

    REFERRED TO CONSUMER AFFAIRS AND PROTECTION

    NY Assembly