New York 2025 Session Status: Introduced

A3038 — Establishes a right of action for claims arising out of coerced debts

Last action — Assembly Floor Calendar

  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 January 23, 2025. 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.

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.

Summary

Prohibits creditors from enforcing a consumer debt incurred as a result of fraud, duress, intimidation, threat, force, identity theft, exploitation of the debtor's personal information or similar economic abuse perpetrated against a debtor; establishes a right of action by the debtor for relief against creditors for violations; makes related provisions.

Bill Text

Action History

  1. SUBSTITUTED BY S1353B

  2. ORDERED TO THIRD READING RULES CAL.305

  3. RULES REPORT CAL.305

  4. REPORTED

  5. REPORTED REFERRED TO RULES

  6. PRINT NUMBER 3038B

  7. AMEND AND RECOMMIT TO CODES

  8. REPORTED REFERRED TO CODES

  9. PRINT NUMBER 3038A

  10. AMEND AND RECOMMIT TO CONSUMER AFFAIRS AND PROTECTION

  11. REFERRED TO CONSUMER AFFAIRS AND PROTECTION

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 civil-rights
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 A3038 do?
Prohibits creditors from enforcing a consumer debt incurred as a result of fraud, duress, intimidation, threat, force, identity theft, exploitation of the debtor's personal information or similar economic abuse perpetrated against a debtor; establishes a right of action by the debtor for relief against creditors for violations; makes related provisions.
Who sponsors A3038?
A3038 is sponsored by Linda Rosenthal.
What is the current status of A3038?
This bill has been introduced in the Assembly. Introduced January 23, 2025. It must pass committee before a floor vote.
Where can I track A3038?
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Last checked for changes 3 months ago · updated continuously

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