Creates a private right of action for improper debt collection procedures

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Creates a private right of action for improper debt collection procedures; allows plaintiffs to recover punitive damages and reasonable attorney's fees.

Chamber: Senate
Introduced: Apr 4, 2025
Last action: Jan 7, 2026 — REFERRED TO CONSUMER PROTECTION
Session: 2025-2026
Momentum: 31 · Low

PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 5%, measured from NY's completed sessions
Momentum -4 31/100 from the pace of recorded action
Time since last action -22 290 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.