New York 2025 Session Status: Introduced

A10182 — Relates to actions arising out of consumer debt

Last action — Assembly Floor Calendar

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

This bill has been introduced in the Assembly. Introduced February 12, 2026. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Not enough signal yet

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

Not enough signal yet to read this bill's trajectory — we surface a likelihood only once there's real movement (stage, sponsorship, committee, or votes) to point to.

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In plain language

The bill clarifies definitions related to consumer debt actions.

This bill defines consumer debt and updates terminology by replacing 'consumer credit transaction' with 'consumer debt.' It aims to provide clarity in legal actions related to consumer debt.

Summary

Relates to action arising out of consumer debt; defines consumer debt; replaces consumer credit transaction with such term.

Bill Text

How this bill changes current law

1 change Share ↗

AI-generated reading aid from the bill's amendatory text — verify against the official bill.

This bill amends 1 section(s) of the New York Consolidated Laws: Section 105 of the civil practice law.

  • Section 105 of the civil practice law

    consumer credit transaction consumer credit transaction consumer credit transaction (f) consumer credit transaction (f) consumer credit transactions consumer credit transaction consumer credit transaction "consumer credit transaction" consumer credit transaction an action arising out of a consumer credit transaction consumer credit transaction Consumer credit transaction consumer credit transaction consumer credit transactions consumer credit transaction consumer credit transactions consumer credit transaction Consumer credit transactions consumer credit transaction , and monthly and . monthly . consumer credit transaction he or she consumer credit transaction debt arising out of a consumer credit transaction an to collect a debt arising out of a consumer credit tran- saction credit he his him debt arising out of a consumer credit transaction consumer credit transaction consumer credit transactions he or she consumer credit transactions consumer credit trans- action consumer credit transaction consumer credit transaction consumer credit transaction consumer credit transaction consumer credit transaction (f) addition consumer credit transaction (f) → (f-1) Consumer debt. The term "consumer debt" means any obligation or alleged obligation, whether contingent or absolute, of any natural person to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family or household purposes, whether or not such obligation has been reduced to judgment, including, but not limited to, a consumer credit transaction, as defined in subdivision (f) of this section and medical debt, as referenced in section two hundred thir- teen-d of this chapter. "Consumer debt" shall not include obligation or alleged obligation to pay money secured by real property, nor shall it include an obligation or alleged obligation to pay money when sought within a summary proceeding to recover possession of real property under article seven of the real property actions and proceedings law. consumer debt italics consumer debt consumer debt (f-1) consumer debt (f-1) (h) "Consumer debt" means any obligation or alleged obligation, wheth- er contingent or absolute, of any natural person to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family or household purposes, whether or not such obligation has been reduced to judgment, including but not limited to, a consumer credit transaction, as defined in subdivision (g) of this section. "Consumer debt" shall not include an obligation or alleged obligation to pay money secured by real property, nor shall it include an obligation or alleged obligation to pay money when sought within a summary proceeding to recover possession of real property under article seven of the real property actions and proceedings law. consumer debt consumer debt consumer debt "consumer debt" transaction from which the consumer debt arose a consumer debt action consumer debt Consumer debt consumer debt consumer debt actions consumer debt consumer debts consumer debt Consumer debts consumer debt establishing the consumer debt . For all actions arising out of a consumer debt, or service , or other unique identifying informa- tion associated with the consumer debt where no account number exists , , and recipient ; or service ; consumer debt such party consumer debt consumer debt a consum- er debt debt such plaintiff their such plaintiff consumer debt consumer debt consumer debt such plain- tiff or plaintiff's attorney consumer debts , whether contingent or absolute, and medical debt as referenced in section two hundred thirteen-d of this chapter consumer debt consumer debt consumer debt consumer debt consumer debt consumer debt (f-1) additional consumer debt (f-1) a-1. Upon filing the first paper in an action or proceeding arising out of a consumer debt as defined in subdivision (f-1) of section one hundred five of the civil practice law and rules, an additional ninety- five dollars.

    amended

Action History

  1. SUBSTITUTED BY S9760

  2. ORDERED TO THIRD READING RULES CAL.357

  3. RULES REPORT CAL.357

  4. REPORTED

  5. REPORTED REFERRED TO RULES

  6. REFERENCE CHANGED TO WAYS AND MEANS

  7. PRINT NUMBER 10182A

  8. AMEND AND RECOMMIT TO JUDICIARY

  9. REFERRED TO JUDICIARY

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 A10182 do?
Relates to action arising out of consumer debt; defines consumer debt; replaces consumer credit transaction with such term.
Who sponsors A10182?
A10182 is sponsored by Al Taylor.
What is the current status of A10182?
This bill has been introduced in the Assembly. Introduced February 12, 2026. It must pass committee before a floor vote.
Where can I track A10182?
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