Housing

in committee · New York · Assembly Jan 7, 2026

A 7218: Requires the foreclosing party in a residential foreclosure action to offer a refinancing opportunity to the mortgagor

This bill requires banks or financial institutions (as the sole mortgage holder) to offer homeowners a refinancing option when initiating a residential foreclosure. Specifically, the lender must provide an offer to refinance at their lowest interest rate from the prior 30 days, regardless of the homeowner's credit, income, or payment history. The offer must be included with the foreclosure notice and cannot be required more than once per foreclosure or per property for the same homeowner. It applies only to lenders offering residential mortgages as part of their regular business.

Topics ✓ HousingSupports HousingMandates lenders to offer refinancing at lowest rate regardless of credit, preventing foreclosure and protecting homeowners from losing housing - directly strengthens tenant protection and affordable housing stability.95% confidence

Sub-Topics Homeownership Mortgages

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signed · New York · Assembly Dec 5, 2025

A 1820: Requires the modification of restrictive covenants prior to the sale of real property

Requires the modification of restrictive covenants prior to the sale of real property when covenants, conditions and restrictions exist which discriminate on the basis of race, color, religion, sex, sexual orientation, familial status, marital status, disability, national origin, source of income or ancestry.

Topics ✓ HousingSupports HousingBill eliminates discriminatory covenants in property sales, directly addressing housing discrimination and advancing fair housing access per indicators.95% confidence

in committee · New York · Senate May 6, 2025

S 7781: Relates to remedies for a violation of the prohibition on a landlord from refusing to rent due to a tenant's involvement in a prior dispute

Provides penalties when a landlord of a residential premises refuses to rent to a potential tenant on the basis that the potential tenant was involved in a past or pending landlord-tenant action or summary proceeding.

Topics ✓ HousingSupports HousingPrevents landlord discrimination based on prior tenant disputes, directly protecting tenant rights per topic description.95% confidence

Sub-Topics Landlords Renters Tenant Rights

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in committee · New York · Senate Jan 7, 2026

S 3353: Provides an exemption for the sale and installation of residential and commercial geothermal heat pump systems equipment

This bill (S 3353) exempts sales and installation of geothermal heat pump systems from state sales tax for both residential and commercial properties. It directly affects homeowners and businesses installing ground-source heat pumps that use the ground or groundwater for heating, cooling, or hot water. The key provision removes tax on equipment sales and installation services, excluding recreational facilities or equipment used as storage media. This policy change applies to systems meeting specific technical definitions in the tax law, without altering local tax options for municipalities.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill exempts geothermal equipment sales/installation from state sales tax, providing tax relief per support indicators.95% confidence ✓ EnergySupports EnergyExempts geothermal heat pump sales/installation from tax, directly promoting renewable energy adoption and reducing cost barriers for clean energy infrastructure.95% confidence ✓ EnvironmentSupports EnvironmentExempts geothermal systems from sales tax, promoting clean energy adoption and reducing fossil fuel dependence for heating/cooling92% confidence ✓ HousingSupports HousingExempts geothermal systems from sales tax for residential properties, lowering installation costs and reducing long-term energy expenses for homeowners, advancing affordable housing affordability.85% confidence

Sub-Topics Sales Tax Property Taxes

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in committee · New York · Assembly Jan 7, 2026

A 3255: Relates to attorneys' fees in actions for unlawful discriminatory practices

This bill allows courts to award reasonable legal fees and costs to people who win discrimination lawsuits under New York's human rights law. It directly affects individuals who successfully sue for unlawful discrimination in employment, housing, or other areas covered by the law. The key provision requires courts to grant these fees to winning plaintiffs (except when the Division of Human Rights is the winning party), making it easier for people to pursue discrimination claims without bearing full legal costs. The bill does not change what constitutes discrimination but ensures that successful plaintiffs can recover their legal expenses.

Topics ✓ HousingSupports HousingBill enables fee awards for housing discrimination plaintiffs, strengthening tenant protections under NY Human Rights Law by reducing legal barriers to sue for discriminatory housing practices.90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentEnables plaintiffs to recover legal fees in discrimination lawsuits, reducing financial barriers to pursuing employment rights claims under NY law.95% confidence

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in committee · New York · Assembly Jan 7, 2026

A 4830: Establishes the paired testing program, compliance fee and a paired testing program fund

Establishes the paired testing program and compliance fee to determine if any real estate broker, real estate salesperson or employee or agent thereof is using unlawful discriminatory practices; creates the paired testing program fund.

Topics ✓ HousingSupports HousingBill establishes paired testing program to detect real estate discrimination, directly supporting tenant protections and fair housing practices.90% confidence ✓ Labor & EmploymentSupports Labor & EmploymentBill establishes paired testing to prevent employment discrimination in real estate, directly protecting workers' rights against unlawful practices in hiring/employment.90% confidence

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in committee · New York · Senate Jan 7, 2026

S 5480: Relates to tax lien foreclosure

Relates to tax lien foreclosure; establishes senior, disabled, and veteran homeowner real property tax assistance program; establishes installment plans for certain real property taxes.

Topics ✓ Budget & TaxesSupports Budget & TaxesEstablishes tax assistance program and installment plans for homeowners, providing relief to vulnerable groups like seniors and veterans.95% confidence ✓ HousingSupports HousingEstablishes tax assistance for seniors/disabled/veterans to prevent foreclosure, directly supporting housing stability for vulnerable homeowners.90% confidence ✓ VeteransSupports VeteransEstablishes veteran-specific property tax assistance program, providing direct financial support through tax relief for veterans' homeownership.95% confidence

Sub-Topics Property Tax Homeownership Mortgages Property Taxes

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in committee · New York · Senate Jun 12, 2025

S 3845: Prohibits residential landlords from charging tenants a fee for a dishonored rent check in excess of the actual costs or fees incurred by such landlord as a result thereof

Prohibits residential landlords from charging tenants a fee for a dishonored rent check in excess of the actual costs or fees incurred by such landlord as a result thereof, provided such dishonored check fee was included in the initial lease.

Topics ✓ HousingSupports HousingProhibits landlords from charging excessive fees for bounced rent checks, directly strengthening tenant protections by capping charges at actual costs.95% confidence

Sub-Topics Landlords Renters Tenant Rights

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in committee · New York · Assembly Jan 15, 2026

A 5344: Provides for adjustment of the maximum income threshold for eligibility for SCRIE, DRIE, SCHE and DHE by any increase in the consumer price index

Provides for adjustment of the maximum income threshold for eligibility for the senior citizen rent increase exemption (SCRIE), disability rent increase exemption (DRIE), senior citizen homeowners' exemption (SCHE), and disabled homeowners' exemption (DHE) by any increase in the consumer price index (CPI).

Topics ✓ Budget & TaxesSupports Budget & TaxesAdjusts income thresholds for tax exemptions (SCRIE/DRIE/SCHE/DHE) using CPI, maintaining eligibility for seniors/disabled homeowners and providing ongoing tax relief to lower-income groups.95% confidence ✓ HousingSupports HousingAdjusts income thresholds for housing exemptions (SCRIE/DRIE/SCHE/DHE) with CPI, maintaining affordability for seniors/disabled residents by preventing eligibility loss due to inflation.90% confidence

Sub-Topics Renters

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in committee · New York · Assembly Jan 7, 2026

A 4037: Adds certain human services programs to the designated human services programs eligible for a cost of living adjustment

This bill requires a 7.8% cost-of-living adjustment (COLA) for specific human services programs starting April 2026. It applies to providers under New York’s offices of mental health, developmental disabilities, and addiction services, including programs like supported housing, crisis services, and substance abuse treatment. The COLA must be used to fund at least a 1.7% targeted salary increase for eligible staff at local providers and direct contract agencies. The adjustment replaces other inflation-based increases for these programs, except for federal pandemic relief funds.

Topics ✓ Budget & TaxesSupports Budget & TaxesMandates 7.8% COLA funding for human services programs, requiring salary increases for staff at state-funded providers.95% confidence ✓ Criminal JusticeSupports Criminal JusticeFunds substance abuse treatment and mental health services - key rehabilitation programs linked to criminal justice reform that reduce recidivism and improve outcomes.85% confidence ✓ HealthcareSupports HealthcareBill mandates 7.8% COLA for mental health/addiction services with 1.7% staff salary funding, directly advancing healthcare program resources and staffing.95% confidence ✓ HousingSupports HousingFunds supported housing programs via COLA for staff salaries, advancing housing services for vulnerable populations.95% confidence

Sub-Topics Substance Abuse

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