A 9554 New York Assembly · 2025 Regular Session

Enacts the "deed protection act"

Summary

Enacts the "deed protection act" in relation to prohibiting a mortgage banker or mortgage loan servicer from commencing, maintaining, or proceeding with a foreclosure action on a mortgage loan where such mortgage banker or mortgage loan servicer knows or has reason to know that the mortgage securing such loan is dependent on a deed, conveyance, or other instrument affecting title to residential real property that was procured by fraud, forgery, or other unlawful means.

Bill status passed 3 of 5 stages cleared

Introduction

Jan 2026

Committee Review

May 2026

Assembly Passage

May 2026

Senate Passage

Governor

Introduced Jan 14, 2026 Last action May 29, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

A9554A → A9554B · 4 edits

MODERATE

The bill was amended to expand the list of sponsoring legislators and update the committee history to reflect recent amendments. The core policy language was significantly revised to change the section number from 6-q to 595-d and refine the definition of prohibited conduct from a specific 'deed theft' scenario to a broader prohibition against foreclosing on mortgages where the title was obtained through fraud, forgery, or unlawful means.

Scope change

The bill's scope was broadened by replacing the narrow definition of 'deed theft' with a wider category of fraudulent title acquisition, including forgery and other unlawful means.

DEFINITION

The definition of prohibited conduct was expanded from 'deed theft' to include any title procured by fraud, forgery, or other unlawful means.

TECHNICAL

The section number within the Banking Law was changed from 6-q to 595-d.

ELIGIBILITY

The list of bill sponsors was updated to include multiple additional legislators.

TIMELINE

The committee history was updated to indicate the bill was amended, reprinted, and recommitted.

Floor votes · Assembly May 29, 2026

How they voted

95–32

Passed · 22 other

Total votes 149

May 29, 2026

D Democratic102

84 Yea 18

82% Yea

R Republican47

11 Yea 32 Nay 4

68% Nay

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

May 29, 2026

Committee

REFERRED TO JUDICIARY

upper

May 29, 2026

Lower · Passed

PASSED ASSEMBLY

lower

May 20, 2026

Committee

REPORTED REFERRED TO RULES

lower

May 11, 2026

Committee

REPORTED REFERRED TO CODES

lower

May 6, 2026

Lower · Passed

PRINT NUMBER 9554B

lower

May 6, 2026

Lower · Passed

AMEND AND RECOMMIT TO BANKS

lower

Mar 2, 2026

Lower · Passed

PRINT NUMBER 9554A

lower

Mar 2, 2026

Lower · Passed

AMEND AND RECOMMIT TO BANKS

lower

Jan 14, 2026

Committee

REFERRED TO BANKS

lower

1 primary · 44 co-sponsors