NY State Senate Bill 2015-S5476A

Archive: Last Bill Status - In Senate Committee Judiciary Committee

Introduced
- In Committee Assembly
- In Committee Senate
- On Floor Calendar Assembly
- On Floor Calendar Senate
- Passed Assembly
- Passed Senate
Delivered to Governor
Signed By Governor

Please enter your contact information

First Name

Last Name

Email Address

A valid email address is required.

Home address is used to determine the senate district in which you reside. Your support or opposition to this bill is then shared immediately with the senator who represents you.

Optional services from the NY State Senate:

Create an account. An account allows you to officially support or oppose key legislation, sign petitions with a single click, and follow issues, committees, and bills that matter to you. When you create an account, you agree to this platform's terms of participation.

Include a custom message for your Senator? (Optional)

Enter a message to your senator. Many New Yorkers use this to share the reasoning behind their support or opposition to the bill. Others might share a personal anecdote about how the bill would affect them or people they care about.

Actions

View Actions

Date of Action	Assembly Actions - Lowercase Senate Actions - UPPERCASE
Jun 06, 2016	print number 5476a
Jun 06, 2016	amend (t) and recommit to judiciary
Jan 06, 2016	referred to judiciary
May 14, 2015	referred to judiciary

Bill Amendments

Original

A (Active)

2015-S5476 - Details

See Assembly Version of this Bill:: A10676
Current Committee:: Senate Judiciary
Law Section:: Personal Property Law
Laws Affected:: Amd §501, Pers Prop L
Versions Introduced in Other Legislative Sessions:: 2017-2018: S4606
2019-2020: S2804
2021-2022: S3442
2023-2024: S1108
2025-2026: S2218

2015-S5476 - Summary

Relates to rental-purchase agreement forms including requirements for font size and how to calculate late charges.

2015-S5476 - Sponsor Memo

                                BILL NUMBER:S5476

TITLE OF BILL:

An act to amend the personal property law, in relation to enacting the
"rent to own fair practices act"; and to repeal certain provisions of
such law relating thereto

PURPOSE:

To improve protections afforded to consumers in rental purchase
agreements.

SUMMARY OF PROVISIONS:

Section 1 titles this act as the "rent to own fair practices act"

Section 2 amends section 500 of the personal property law by amending
the definition of "cash price" and defining "trade area" and "fair
market value"

Section 3 amends section 501 to increase font size on disclosures,
removing weekends and holidays from counting toward nonpayment time
frame, strengthening the right of reinstatement, and providing for
judicial review of disputes relating to rental purchase agreements.

Section 4 amends section 502 of the personal property law adjusting
the length for providing notice of cancellation to seventy-two hours
and adding acceptable manners for providing notice of cancellation.

Section 5 repeals subdivisions 2, 3, 4, 5 and 6 of section 503 of the
personal property law and adds new subdivision 2 to treat rental
purchase agreements as a loan that is subject to the usury laws of New
York State.

Section 6 amends section 507 of the personal property law to allow for
a complaint alleging violations of Article XI of the personal property
law to be filed with department of financial services.

Section 7 amends the personal property law by adding a new section 509
relating unfair practices with regard to rental purchase agreements.

Section 8 amends personal property law by adding a new section 510 to
provide consumers with a private right of action in relation to the
rental purchase agreement and sets forth the standard of proof for a
violation of this section.

Section 9 sets forth the effective date.

JUSTIFICATION:

In 2010, the state of New York amended the laws relating to rental
purchase agreements in an effort to provide for reasonable price
controls in order to ensure that consumers pay reasonable prices,
while allowing the rent-to-own industry to continue to offer its
unique product in New York state. Unfortunately, the changes failed to
fully correct the definition.


In his approval message then-Governor Paterson warned that the "the
pricing provisions in the bill will not provide an adequate shield
against the predatory practices that they purportedly seek to
address."  Specifically he was concerned that "the price ceiling ...
is woefully inadequate, as the legislation allows for sizeable markups
above the cost of acquisition, and will permit merchants to demand
payments many times the value of the item rented before equity passes
to the consumer." With the passage of time this statement has been
proven correct.

As rental purchase agreements do not transfer ownership until the
final payment of all payments in the agreement this means that 75% of
the people who enter a rental purchase agreement end the agreement
having paid large sums of money toward a product that they do not
possess.

A study by Wisconsin PIRG of the products of an Illinois merchant
found that consumers are being asked to rent those obsolete
technologies and pay a price 300% or more than the original market
value of the product. Wisconsin PIRG also found that buying the
product with a credit card with an 18% APR and paying it off over
18-24 months would be less expensive than a rent a center deal.
According to Empire Justice Center, this type of mark up happens under
New York law as well.

Indeed, consumers are entering into contracts that provide for price
mark ups that are three times the retail price found in a big box
retailer. This high price results in a very strange economic outcome
for a contracts relating to goods, a 75% failure rate. According to
one of the largest rent to own merchants in its public disclosure
documents required on federal securities law, only 25% of the rental
purchase agreements that the company rent to own enters is completed
to term.

The problem that was intended to be resolved in 2010 alluded us and we
are in a situation where the current law is being interpreted to allow
for a cash price that is higher than intended by the legislature in
2010 amendments to the law. This bill would adjust the definition of
cash price to align it with the legislative intent.

LEGISLATIVE HISTORY:

This is a new bill.

FISCAL IMPLICATIONS:

None to the state.

EFFECTIVE DATE:

This act shall take effect on the ninetieth day after it shall become
law.

2015-S5476 - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  5476

                       2015-2016 Regular Sessions

                            I N  S E N A T E

                              May 14, 2015
                               ___________

Introduced  by  Sen.  COMRIE -- read twice and ordered printed, and when
  printed to be committed to the Committee on Judiciary

AN ACT to amend the personal property law, in relation to  enacting  the
  "rent  to own fair practices act"; and to repeal certain provisions of
  such law relating thereto

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1.  This  act shall be known and may be cited as the "rent to
own fair practices act".
  S 2. Subdivision 2 of section 500 of the  personal  property  law,  as
amended  by  chapter  309  of  the  laws of 2010, is amended and two new
subdivisions 14 and 15 are added to read as follows:
  2. "Cash  price"  means  the  price  [of]  AT  WHICH  the  merchandise
[described in the rental-purchase agreement that the consumer may pay in
cash  to the merchant at the inception], OR MERCHANDISE OF SUBSTANTIALLY
THE SAME KIND, QUALITY, OR QUANTITY, IS OFFERED FOR  SALE  AT  THE  FAIR
MARKET  VALUE  BY  A  REASONABLE  NUMBER  OF MERCHANTS IN THE TRADE AREA
DURING THE SIXTY DAYS PRIOR TO THE DATE of the rental-purchase agreement
[to acquire ownership of such merchandise].
  14. "TRADE AREA" MEANS THE GEOGRAPHICAL AREA  IN  WHICH  THE  MERCHANT
SOLICITS OR MAKES RENTAL-PURCHASE AGREEMENTS.
  15.  "FAIR  MARKET  VALUE" MEANS THE PRICE THAT A SELLER IS WILLING TO
ACCEPT AND A BUYER IS WILLING TO PAY ON THE OPEN MARKET AND IN AN  ARM'S
LENGTH TRANSACTION.
  S 3. Subdivision 2, paragraph (e) of subdivision 3, subdivisions 4 and
6  and  paragraph  (a)  of  subdivision 8 of section 501 of the personal
property law, subdivisions 2 and 4 and paragraph (e) of subdivision 3 as
added by chapter 792 of the laws of 1986, subdivision 6 as  amended  and
paragraph  (a)  of  subdivision 8 as added by chapter 309 of the laws of
2010, are amended to read as follows:

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD10752-02-5

S. 5476                             2

  2. Disclosures required by this section must be printed  or  typed  in
each  rental-purchase  agreement in a size equal to at least [ten-point]
TWELVE-POINT bold-faced type.
  (e) requiring the payment of a late charge or reinstatement fee unless
a periodic payment is delinquent for more than three days for agreements
that  are  renewed  on  week by week terms and seven days for agreements
that are renewed on month by month  terms[,];  PROVIDED,  HOWEVER,  THAT
NEITHER  SATURDAYS,  SUNDAYS,  NOR  FEDERALLY-RECOGNIZED HOLIDAYS DURING
WHICH THE UNITED STATES POSTAL SERVICE IS NOT OPEN TO THE  PUBLIC  SHALL
COUNT  TOWARD THE THREE OR SEVEN DAY TOTALS, and the charge or fee is in
an amount not more than the greater of ten  percent  of  the  delinquent
amount  or three dollars for agreements that are renewed on week by week
terms and not more than the greater of ten  percent  of  the  delinquent
amount or five dollars for agreements that are renewed on month by month
terms.  In the event that multiple items are leased to a consumer pursu-
ant to more than one rental-purchase agreement,  any  late  fee  imposed
pursuant  to  this  section shall not exceed ten percent of the total of
the periodic payments that are delinquent.
  4. Only one late charge or reinstatement fee may  be  assessed  for  a
delinquent  periodic  payment  regardless  of the period during which it
remains in default. No merchant shall assess a late charge for a period-
ic payment made in full on its due date or within three days for  agree-
ments  that  are  renewed on week by week terms or seven days for agree-
ments that are renewed on month by month terms when the only delinquency
is attributable to late fees  assessed  on  earlier  periodic  payments;
PROVIDED, HOWEVER, THAT NEITHER SATURDAYS, SUNDAYS, NOR FEDERALLY-RECOG-
NIZED HOLIDAYS DURING WHICH THE UNITED STATES POSTAL SERVICE IS NOT OPEN
TO  THE  PUBLIC  SHALL COUNT TOWARD THE THREE OR SEVEN DAY TOTALS.  With
respect to payments accepted  by  mail  or  by  store  deposit  box,  no
merchant  shall  assess a late fee for payments which are post-marked or
received before the expiration of the applicable delinquency periods.
  6. This section does not prevent a merchant from attempting to  repos-
sess  merchandise  during the reinstatement period provided in paragraph
(b) of subdivision five of this section. The consumer's right  to  rein-
state  an  agreement does not expire because of such a repossession. [If
the consumer is entitled  to  reinstatement  after  repossession,  then,
within  fifteen  days  of  the  repossession, the merchant shall provide
written notice to the consumer of the consumer's right to reinstate  the
agreement  pursuant  to  paragraph  (c)  of  subdivision  five  of  this
section.] UPON REPOSSESSION, THE MERCHANT SHALL PROVIDE  WRITTEN  NOTICE
TO  THE  CONSUMER  OF  THE  CONSUMER'S  RIGHT TO REINSTATE THE AGREEMENT
PURSUANT TO PARAGRAPH (B) OF SUBDIVISION FIVE OF THIS  SECTION  AND  THE
FINAL  DATE  FOR  PAYMENTS  NECESSARY FOR REINSTATEMENT PURSUANT TO SUCH
PARAGRAPH ALONG WITH THE APPROPRIATE AMOUNT DUE. On  reinstatement,  the
merchant shall provide the consumer with the same merchandise or substi-
tute  merchandise  of  comparable  quality  and condition. If substitute
merchandise is provided, the merchant shall provide  the  consumer  with
the disclosures required in subdivision seven of this section.
  (a)  [(1)  Subject  to  federal law and regulation, no rental-purchase
agreement  shall  contain  a  mandatory  arbitration   clause.   Nothing
contained herein shall be construed to prohibit a merchant from incorpo-
rating  a  provision within such contract that such merchant agrees that
the decision of the arbitrator or panel of arbitrators shall be final in
its application to such merchant and not subject to court review.
  (2) The provisions of a mandatory arbitration clause shall be null and
void but shall not constitute a violation of this article. The inclusion

S. 5476                             3

of such clause in a rental-purchase agreement shall not serve to  impair
the enforceability of any other provision of such contract.] ANY DISPUTE
ARISING  UNDER  A  RENTAL-PURCHASE AGREEMENT IS NOT SUBJECT TO MANDATORY
ARBITRATION  OR BINDING ARBITRATION AND IS SUBJECT TO JUDICIAL REVIEW IN
A COURT OF COMPETENT JURISDICTION IN THE STATE OF NEW YORK APPLYING  THE
LAWS OF THE STATE OF NEW YORK. NO CONTRACT FOR RENTAL-PURCHASE AGREEMENT
FOR  A  PERSONAL  PROPERTY  MAY  CONTAIN ANY ARBITRATION PROVISIONS. THE
PROVISION OF A MANDATORY ARBITRATION CLAUSE SHALL CONSTITUTE A VIOLATION
OF THIS ARTICLE. NOTHING IN THIS PROVISION SHALL BE CONSTRUED TO KEEP  A
JUDGE FROM ORDERING DISPUTES TO BE RESOLVED IN A COURT SUPERVISED ALTER-
NATIVE DISPUTE RESOLUTION FORUM.
  S  4.  Section 502 of the personal property law, as amended by chapter
309 of the laws of 2010, is amended to read as follows:
  S 502. Availability. Every rental purchase  agreement  shall  indicate
that  a  consumer  at  his or her request shall be permitted to review a
completed rental-purchase agreement for up to [forty-eight]  SEVENTY-TWO
hours  prior  to  signing. A copy of the fully completed rental-purchase
agreement and all  other  documents  which  the  merchant  requests  the
consumer  to  sign  shall  be given to the consumer at the time they are
signed. The rental-purchase agreement shall not be  enforceable  against
the  consumer until the consumer has received a signed copy. In addition
to any other right of cancellation, a consumer has the right to cancel a
rental-purchase agreement, without penalty [or obligation if] WHETHER OR
NOT the consumer has not taken possession of the property.    NOTICE  OF
CANCELLATION  NEED  NOT  TAKE THE FORM PRESCRIBED BY THE RENTAL PURCHASE
AGREEMENT AND SHALL BE SUFFICIENT IF IT INDICATES THE INTENTION  OF  THE
CONSUMER NOT TO BE BOUND.
  S  5.  Subdivisions  2,  3,  4, 5 and 6 of section 503 of the personal
property law are REPEALED and a new subdivision 2 is added  to  read  as
follows:
  2.  A  RENTAL-PURCHASE  AGREEMENT  IS A LOAN TRANSACTION AND AS SUCH A
MERCHANT MAY NOT CHARGE INTEREST WHICH SHALL MEAN FOR  THE  PURPOSES  OF
THIS SECTION ANY FINANCE CHARGES OR FEES, AT A RATE THAT WOULD BE GREAT-
ER THAN PERMISSIBLE UNDER SECTION 5-501 OF THE GENERAL OBLIGATIONS LAW.
  S  6.  Section 507 of the personal property law is amended by adding a
new subdivision 8 to read as follows:
  8. WHENEVER THERE SHALL BE A VIOLATION OF THIS ARTICLE AN  APPLICATION
CAN  ALSO  BE  MADE TO THE DEPARTMENT OF FINANCIAL SERVICES FOR INVESTI-
GATION AND RESOLUTION OF THE VIOLATIONS.
  S 7. The personal property law is amended by adding a new section  509
to read as follows:
  S  509.  UNFAIR  PRACTICES.    A MERCHANT MAY NOT ENGAGE IN ANY UNFAIR
CONDUCT THE NATURAL CONSEQUENCE OF WHICH IS TO DECEIVE, HARASS, OPPRESS,
OR ABUSE ANY PERSON IN CONNECTION WITH A RENTAL  PURCHASE  AGREEMENT  OR
THE  COLLECTION OF DEBT. WITHOUT LIMITING THE GENERAL APPLICATION OF THE
FOREGOING, THE FOLLOWING CONDUCT IS A VIOLATION OF THIS ARTICLE:
  1. THE USE OR THREAT OF USE OF VIOLENCE OR  OTHER  CRIMINAL  MEANS  TO
HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON.
  2.  THE  USE  OF  OBSCENE  OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL
CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER.
  3. THE PUBLICATION OF A LIST OF CONSUMERS WHO ALLEGEDLY REFUSE TO  PAY
DEBTS, EXCEPT TO A CONSUMER REPORTING AGENCY.
  4.  THE  ADVERTISEMENT  FOR  SALE OF ANY DEBT TO COERCE PAYMENT OF THE
DEBT.

S. 5476                             4

  5. CAUSING A TELEPHONE TO RING OR ENGAGING  ANY  PERSON  IN  TELEPHONE
CONVERSATION  REPEATEDLY OR CONTINUOUSLY WITH INTENT TO ANNOY, ABUSE, OR
HARASS ANY PERSON AT THE CALLED NUMBER.
  6.  THE  PLACEMENT OF TELEPHONE CALLS WITHOUT MEANINGFUL DISCLOSURE OF
THE CALLER'S IDENTITY.
  S 8. The personal property law is amended by adding a new section  510
to read as follows:
  S  510.  PRIVATE  RIGHT  OF  ACTION. 1. THE CONSUMER WHO ENTERS INTO A
RENTAL-PURCHASE AGREEMENT PURSUANT TO THIS CHAPTER SHALL HAVE A  PRIVATE
RIGHT  OF  ACTION  AGAINST ANY MERCHANT DOING BUSINESS IN THIS STATE FOR
DAMAGES AS PROVIDED IN THIS SECTION UPON  SUCH  CONSUMER  PROVING  BY  A
PREPONDERANCE  OF  THE  EVIDENCE  THAT  SUCH  MERCHANT HAS VIOLATED THIS
SECTION OF LAW.
  2. THE COURT MAY, IN ITS DISCRETION, INCREASE THE AWARD OF DAMAGES  TO
AN  AMOUNT  NOT TO EXCEED THREE TIMES THE ACTUAL DAMAGES UP TO ONE THOU-
SAND DOLLARS, IF THE COURT FINDS THE DEFENDANT  WILLFULLY  OR  KNOWINGLY
VIOLATED THIS SECTION. THE COURT MAY AWARD REASONABLE ATTORNEY'S FEES TO
A PREVAILING PLAINTIFF.
  S  9.  This  act shall take effect on the ninetieth day after it shall
have become a law and shall apply to  all  agreements  entered  into  or
offered on or after such date.

2015-S5476A (ACTIVE) - Details

See Assembly Version of this Bill:: A10676
Current Committee:: Senate Judiciary
Law Section:: Personal Property Law
Laws Affected:: Amd §501, Pers Prop L
Versions Introduced in Other Legislative Sessions:: 2017-2018: S4606
2019-2020: S2804
2021-2022: S3442
2023-2024: S1108
2025-2026: S2218

2015-S5476A (ACTIVE) - Summary

Relates to rental-purchase agreement forms including requirements for font size and how to calculate late charges.

2015-S5476A (ACTIVE) - Sponsor Memo

                                 BILL NUMBER:  S5476A

 TITLE OF BILL :  An act to amend the personal property law, in
relation to rental-purchase agreement forms

 PURPOSE :

To improve protections afforded to consumers in rental purchase
agreements.

 SUMMARY OF PROVISIONS :

Section 1 titles this act as the "rent to own fair practices act."

Section 2 amends section 501 to increase font size on disclosures and
removes weekends and holidays from counting toward nonpayment time
frame.

 JUSTIFICATION :

In 2010, the state of New York amended the laws relating to rental
purchase agreements in an effort to provide for reasonable price
controls in order to ensure that consumers pay reasonable prices,
while allowing the rent-to-own industry to continue to offer its
unique product in New York state. Unfortunately, the changes failed to
fully correct the definition.

In his approval message then-Governor Paterson warned that the "the
pricing provisions in the bill will not provide an adequate shield
against the predatory practices that they purportedly seek to
address." Specifically he was concerned that "the price ceiling ...
is woefully inadequate, as the legislation allows for sizeable markups
above the cost of acquisition, and will permit merchants to demand
payments many times the value of the item rented before equity passes
to the consumer." With the passage of time this statement has been
proven correct.

As rental purchase agreements do not transfer ownership until the
final payment of all payments in the agreement this means that 75% of
the people who enter a rental purchase agreement end the agreement
having paid large sums of money toward a product that they do not
possess.

A study by Wisconsin PIRG of the products of an Illinois merchant
found that consumers are being asked to rent those obsolete
technologies and pay a price 300% or more than the original market
value of the product.

Wisconsin PIRG also found that buying the product with a credit card
with an 18% APR and paying it off over 18-24 months would be less
expensive than a rent a center deal. According to Empire Justice
Center, this type of mark up happens under New York law as well.

Indeed, consumers are entering into contracts that provide for price
mark ups that are three times the retail price found in a big box
retailer. This high price results in a very strange economic outcome
for a contracts relating to goods, a 75% failure rate. According to
one of the largest rent to own merchants in its public disclosure
documents required on federal securities law, only 25% of the rental
purchase agreements that the company rent to own enters is completed
to term.

 LEGISLATIVE HISTORY :

A new bill.

 FISCAL IMPLICATIONS :

None to the state

 LOCAL FISCAL IMPLICATIONS :  None.

 EFFECTIVE DATE :
This act shall take effect on the ninetieth day after it shall become
law.

2015-S5476A (ACTIVE) - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 5476--A

                       2015-2016 Regular Sessions

                            I N  S E N A T E

                              May 14, 2015
                               ___________

Introduced  by  Sen.  COMRIE -- read twice and ordered printed, and when
  printed to be committed to the Committee on Judiciary  --  recommitted
  to the Committee on Judiciary in accordance with Senate Rule 6, sec. 8
  --  committee  discharged,  bill amended, ordered reprinted as amended
  and recommitted to said committee

AN ACT to amend the personal property law, in  relation  to  rental-pur-
  chase agreement forms

  THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section 1.  Subdivision 2, paragraph (e) of subdivision 3, and  subdi-
vision  4 of section 501 of the personal property law, as added by chap-
ter 792 of the laws of 1986, are amended to read as follows:
  2. Disclosures required by this section must be printed  or  typed  in
each  rental-purchase  agreement in a size equal to at least [ten-point]
TWELVE-POINT bold-faced type.
  (e) requiring the payment of a late charge or reinstatement fee unless
a periodic payment is delinquent for more than three days for agreements
that are renewed on week by week terms and  seven  days  for  agreements
that  are  renewed  on  month by month terms[,]; PROVIDED, HOWEVER, THAT
NEITHER SATURDAYS, SUNDAYS,  NOR  FEDERALLY-RECOGNIZED  HOLIDAYS  DURING
WHICH  THE  UNITED STATES POSTAL SERVICE IS NOT OPEN TO THE PUBLIC SHALL
COUNT TOWARD THE THREE OR SEVEN DAY TOTALS, and the charge or fee is  in
an  amount  not  more  than the greater of ten percent of the delinquent
amount or three dollars for agreements that are renewed on week by  week
terms  and  not  more  than the greater of ten percent of the delinquent
amount or five dollars for agreements that are renewed on month by month
terms. In the event that multiple items are leased to a consumer  pursu-
ant  to  more  than  one rental-purchase agreement, any late fee imposed
pursuant to this section shall not exceed ten percent of  the  total  of
the periodic payments that are delinquent.

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD10752-03-6

S. 5476--A                          2

  4.  Only  one  late  charge or reinstatement fee may be assessed for a
delinquent periodic payment regardless of the  period  during  which  it
remains in default. No merchant shall assess a late charge for a period-
ic  payment made in full on its due date or within three days for agree-
ments  that  are  renewed on week by week terms or seven days for agree-
ments that are renewed on month by month terms when the only delinquency
is attributable to late fees  assessed  on  earlier  periodic  payments;
PROVIDED, HOWEVER, THAT NEITHER SATURDAYS, SUNDAYS, NOR FEDERALLY-RECOG-
NIZED HOLIDAYS DURING WHICH THE UNITED STATES POSTAL SERVICE IS NOT OPEN
TO  THE  PUBLIC  SHALL COUNT TOWARD THE THREE OR SEVEN DAY TOTALS.  With
respect to payments accepted  by  mail  or  by  store  deposit  box,  no
merchant  shall  assess a late fee for payments which are post-marked or
received before the expiration of the applicable delinquency periods.
  S 2. This act shall take effect on the ninetieth day  after  it  shall
have  become  a  law  and  shall apply to all agreements entered into or
offered on or after such date.

Comments

Open Legislation is a forum for New York State legislation. All comments are subject to review and community moderation is encouraged.

Comments deemed off-topic, commercial, campaign-related, self-promotional; or that contain profanity, hate or toxic speech; or that link to sites outside of the nysenate.gov domain are not permitted, and will not be published. Attempts to intimidate and silence contributors or deliberately deceive the public, including excessive or extraneous posting/posts, or coordinated activity, are prohibited and may result in the temporary or permanent banning of the user. Comment moderation is generally performed Monday through Friday. By contributing or voting you agree to the Terms of Participation and verify you are over 13.

Create an account. An account allows you to sign petitions with a single click, officially support or oppose key legislation, and follow issues, committees, and bills that matter to you. When you create an account, you agree to this platform's terms of participation.

Find your Senator and share your views on important issues.

Do you support this bill?

Senate Bill S5476A

Sponsored By

Archive: Last Bill Status - In Senate Committee Judiciary Committee

Actions

Bill Amendments

2015-S5476 - Details

2015-S5476 - Summary

2015-S5476 - Sponsor Memo

2015-S5476 - Bill Text download pdf

2015-S5476A (ACTIVE) - Details

2015-S5476A (ACTIVE) - Summary

2015-S5476A (ACTIVE) - Sponsor Memo

2015-S5476A (ACTIVE) - Bill Text download pdf

Comments

Do you support this bill?

Get Status Alerts for 2015-S5476A

Senate Bill S5476A

Share this bill

Sponsored By

Leroy Comrie

Archive: Last Bill Status - In Senate Committee Judiciary Committee

Actions

Bill Amendments

2015-S5476 - Details

2015-S5476 - Summary

2015-S5476 - Sponsor Memo

2015-S5476 - Bill Text download pdf

2015-S5476A (ACTIVE) - Details

2015-S5476A (ACTIVE) - Summary

2015-S5476A (ACTIVE) - Sponsor Memo

2015-S5476A (ACTIVE) - Bill Text download pdf

Comments