Provides for the regulation of buy-now-pay-later lenders

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Provides for the regulation of buy-now-pay-later lenders; requires such lenders to be licensed; establishes prohibited acts, limitations on loans, and consumer protections.

Chamber: Senate
Introduced: Feb 10, 2025
Last action: Jan 7, 2026 — REFERRED TO BANKS
Session: 2025-2026
Momentum: 27 · Low

PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 5%, measured from NY's completed sessions
Momentum -5 27/100 from the pace of recorded action
Time since last action -22 284 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.