Prohibits certain financial institutions from charging a fee based on the frequency of payments or for changing the frequency of mortgage payments

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In Committee

Floor

Crossed Over

Passed

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Overview Bill text 2 Compare versions History 7 Sponsors

S9514A — · 907 words Open full page ↗

STATE OF NEW YORK

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9514--A

IN SENATE

March 19, 2026

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Introduced by Sen. KAVANAGH -- read twice and ordered printed, and when

printed to be committed to the Committee on Banks -- committee

discharged, bill amended, ordered reprinted as amended and recommitted

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base Amended — base rate 13%, measured from NY's completed sessions
Momentum -2 43/100 from the pace of recorded action
Time since last action -19 137 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.