New York 2025 Session Status: Introduced

S1859 — Requires issuers of credit cards to give the cardholder at least thirty days notice before closing, cancelling, or terminating the cardholder's account

Last action — In Senate Committee

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

This bill has been introduced in the Senate. Introduced January 14, 2025. It must pass committee before a floor vote.

Next likely step: a committee referral and hearing.

Prognosis

Stalled 26% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • Introduced

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Cleared a recorded vote

    Passed 3 recorded votes so far.

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

This bill requires credit card issuers to notify cardholders before closing their accounts.

Credit card issuers must give cardholders at least thirty days written notice before closing, cancelling, or terminating accounts. This notification can be sent via email, text message, or letter.

What this means for you
  • Consumers: You will receive at least thirty days notice before your credit card account is closed.

Summary

Requires issuers of credit cards to give the cardholder at least thirty days written notice via email, text message, or written letter before closing, cancelling, or terminating the cardholder's account.

Bill Text

Action History

  1. COMMITTED TO RULES

  2. AMENDED ON THIRD READING (T) 1859A

  3. ADVANCED TO THIRD READING

  4. 2ND REPORT CAL.

  5. 1ST REPORT CAL.540

  6. REFERRED TO CONSUMER PROTECTION

  7. RETURNED TO SENATE

  8. DIED IN ASSEMBLY

  9. REFERRED TO CONSUMER AFFAIRS AND PROTECTION

  10. DELIVERED TO ASSEMBLY

  11. PASSED SENATE

  12. ADVANCED TO THIRD READING

  13. 2ND REPORT CAL.

  14. 1ST REPORT CAL.942

  15. REFERRED TO CONSUMER PROTECTION

Sponsors

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 218 not signed on · 16 voted No

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

Votes

Floor vote

Passed 41 Yea · 16 Nay · 5 Other
Party YeaNayPresentNot Voting
Unaffiliated 411605
Total 411605
% of votes cast 66%26%0%8%
How each member voted (62)
Member Party Vote
Alexis Weik — Yea
Andrea Stewart-Cousins — Yea
Andrew Gounardes — Yea
Andrew J. Lanza — Yea
Anthony H. Palumbo — Nay
April Baskin — Yea
Brad Hoylman-Sigal — Yea
Brian Kavanagh — Yea
Christopher Ryan — Yea
Cordell Cleare — Yea
Dan Stec — Nay
Dean Murray — Nay
George Borrello — Nay
Gustavo Rivera — Yea
Jabari Brisport — Yea
Jack M. Martins — Yea
Jake Ashby — Not Voting
Jamaal Bailey — Yea
James Sanders Jr. — Not Voting
James Skoufis — Yea
James Tedisco — Nay
Jeremy Cooney — Yea
Jessica Ramos — Yea
Jessica Scarcella-Spanton — Yea
John Liu — Yea
Joseph A. Griffo — Nay
Joseph P. Addabbo Jr. — Yea
José M. Serrano — Yea
Julia Salazar — Yea
Kevin S. Parker — Yea
Kristen Gonzalez — Yea
Lea Webb — Yea
Leroy Comrie — Yea
Liz Krueger — Yea
Luis R. Sepúlveda — Yea
Mario Mattera — Yea
Mark Walczyk — Nay
Michael Gianaris — Not Voting
Michelle Hinchey — Yea
Monica Martinez — Yea
Nathalia Fernandez — Yea
Pamela Helming — Nay
Patricia Canzoneri-Fitzpatrick — Nay
Patricia Fahy — Yea
Patrick M. Gallivan — Nay
Pete Harckham — Yea
Peter Oberacker — Nay
Rachel May — Yea
Robert Jackson — Yea
Robert Ortt — Nay
Robert Rolison — Yea
Roxanne J. Persaud — Yea
Samra Brouk — Not Voting
Sean Ryan — Yea
Shelley Mayer — Yea
Siela Bynoe — Yea
Stephen T. Chan — Nay
Steve Rhoads — Nay
Thomas F. O'Mara — Nay
Toby Ann Stavisky — Yea
William Weber — Nay
Zellnor Myrie — Not Voting

Official roll call →

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 S1859 do?
Requires issuers of credit cards to give the cardholder at least thirty days written notice via email, text message, or written letter before closing, cancelling, or terminating the cardholder's account.
Who sponsors S1859?
S1859 is sponsored by Zellnor Myrie.
What is the current status of S1859?
This bill has been introduced in the Senate. Introduced January 14, 2025. It must pass committee before a floor vote.
Where can I track S1859?
Track S1859 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on S1859

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Last checked for changes 3 months ago · updated continuously

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