Prohibits certain debt arrears from being reported to consumer reporting agencies

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Prohibits reporting debt arrears of an individual which are due to a COVID-19 related hardship to a consumer reporting agency; provides for the removal of such information from an individual's file with such agency.

Chamber: Senate
Introduced: Apr 3, 2025
Last action: Jan 7, 2026 — REFERRED TO CONSUMER PROTECTION
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 -22 287 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.