A 3038 New York Assembly · 2025 Regular Session

Establishes a right of action for claims arising out of coerced debts

Summary

Prohibits creditors from enforcing a consumer debt incurred as a result of fraud, duress, intimidation, threat, force, identity theft, exploitation of the debtor's personal information or similar economic abuse perpetrated against a debtor; establishes a right of action by the debtor for relief against creditors for violations; makes related provisions.

Bill status in committee 1 of 4 stages cleared

Introduction

Jan 2025

Committee Review

Floor Vote

Governor

Introduced Jan 23, 2025 Last action Jun 11, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

A3038A → A3038B · 4 edits

MODERATE

This legislative bill was amended to add new sponsors and update committee referral information, while also reorganizing the bill's internal structure by adding a new section defining the scope of the law. The substantive definitions and protections for coerced debt remain unchanged.

Scope change

The bill's scope is now explicitly defined in a new section 604-dd, clarifying the article's boundaries.

TECHNICAL

Added four new sponsors (Yeger, Gonzalez-Rojas, Levenberg, Seawright) to the bill's list of authors.

Added procedural language indicating the bill was reported from the Committee on Codes with amendments.

Reordered the bill's internal numbering to insert the new scope section between the definitions and other substantive sections.

SCOPE

Added a new section 604-dd titled 'Scope' to explicitly define the boundaries of the article's application.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

May 28, 2025

Committee

REPORTED REFERRED TO RULES

lower

May 21, 2025

Lower · Passed

PRINT NUMBER 3038B

lower

May 21, 2025

Lower · Passed

AMEND AND RECOMMIT TO CODES

lower

Mar 25, 2025

Committee

REPORTED REFERRED TO CODES

lower

Mar 13, 2025

Lower · Passed

PRINT NUMBER 3038A

lower

Mar 13, 2025

Lower · Passed

AMEND AND RECOMMIT TO CONSUMER AFFAIRS AND PROTECTION

lower

Jan 23, 2025

Committee

REFERRED TO CONSUMER AFFAIRS AND PROTECTION

lower

1 primary · 16 co-sponsors