New York 2025 Session Status: Passed Assembly

A9404 — Relates to the prohibition of lending institutions issuing unsolicited mail-loan checks

Last action — Passed Senate

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed Assembly
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the Assembly. Introduced December 19, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the Senate.

Prognosis

Stalled 26% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Passed Assembly

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

In plain language

The bill prohibits unsolicited mail-loan checks from lending institutions.

This legislation stops lending institutions from sending out mail-loan checks unless a consumer requests one. It also declares any debts from improperly sent checks as void.

What this means for you
  • Consumers: This means consumers will not receive unsolicited loan checks in the mail, reducing unwanted financial risks.

Summary

Relates to the prohibition of lending institutions issuing mail-loan checks except in response to an affirmative request or application therefor; provides that any debt, interest, fee or other obligation arising from a mail-loan check issued in violation of this section shall be null and void and unenforceable.

Bill Text

Action History

  1. RETURNED TO ASSEMBLY

  2. PASSED SENATE

  3. 3RD READING CAL.1033

  4. SUBSTITUTED FOR S9570A

  5. REFERRED TO BANKS

  6. DELIVERED TO SENATE

  7. PASSED ASSEMBLY

  8. ADVANCED TO THIRD READING CAL.372

  9. REPORTED

  10. REPORTED REFERRED TO CODES

  11. PRINT NUMBER 9404A

  12. AMEND AND RECOMMIT TO BANKS

  13. REFERRED TO BANKS

  14. REFERRED TO BANKS

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 218 not signed on

Sponsors (1)

Co-sponsors (0)

None.

Not signed on (218)

218 members have not signed on to this bill.

Show all 218 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does A9404 do?
Relates to the prohibition of lending institutions issuing mail-loan checks except in response to an affirmative request or application therefor; provides that any debt, interest, fee or other obligation arising from a mail-loan check issued in violation of this section shall be null and void and unenforceable.
Who sponsors A9404?
A9404 is sponsored by Angelo Santabarbara.
What is the current status of A9404?
This bill has passed the Assembly. Introduced December 19, 2025. It now moves to the second chamber.
Where can I track A9404?
Track A9404 free on One Click Politics — get push/email alerts when it moves.

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Last checked for changes 3 months ago · updated continuously

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