S 3077 New York Senate · 2025 Regular Session

Relates to requiring plaintiffs to furnish proof that notice of possible foreclosure was delivered to the defendant

This bill requires lenders or mortgage servicers (plaintiffs in foreclosure cases) to provide official proof that foreclosure notices were delivered to borrowers (defendants). Specifically, notices must be sent via registered/certified mail with proof of delivery, or first-class mail with a request for proof, to the borrower's last known address and the property address. Failure to provide this proof becomes a legal defense that can halt foreclosure proceedings. The bill also mandates including current lists of local housing counseling agencies in foreclosure notices.
Bill status in committee 1 of 4 stages cleared
Introduction
Jan 2025
Committee Review
Floor Vote
Governor
Introduced Jan 23, 2025 Last action Jan 7, 2026
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Total actions
2
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0
Committee
2
Jan 7, 2026
Committee
REFERRED TO HOUSING, CONSTRUCTION AND COMMUNITY DEVELOPMENT
upper
Jan 23, 2025
Committee
REFERRED TO HOUSING, CONSTRUCTION AND COMMUNITY DEVELOPMENT
upper
1 primary · 1 co-sponsor

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