Assembly Bill A1309B

2023-2024 Legislative Session

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

download bill text pdf

Sponsored By

Current Bill Status Via S2278 - On Floor Calendar


  • 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

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Votes

Bill Amendments

co-Sponsors

2023-A1309 - Details

See Senate Version of this Bill:
S2278
Law Section:
General Business Law
Laws Affected:
Add Art 29-HHH §§604-aa - 604-cc, Gen Bus L
Versions Introduced in 2021-2022 Legislative Session:
A10667

2023-A1309 - 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.

2023-A1309 - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   1309
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             January 17, 2023
                                ___________
 
 Introduced by M. of A. L. ROSENTHAL, KELLES -- read once and referred to
   the Committee on Consumer Affairs and Protection
 
 AN  ACT to amend the general business law, in relation to establishing a
   right of action for claims arising out of coerced debts
 
   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. The general business law is amended by adding a new article
 29-HHH to read as follows:
                               ARTICLE 29-HHH
                      ACTIONS INVOLVING COERCED DEBTS
 SECTION 604-AA. DEFINITIONS.
         604-BB. NOTICE OF COERCED DEBT.
         604-CC. COERCED DEBT CAUSE OF ACTION AND AFFIRMATIVE DEFENSE.
   §  604-AA.  DEFINITIONS.  AS USED IN THIS ARTICLE, THE FOLLOWING TERMS
 SHALL HAVE THE FOLLOWING MEANINGS:
   1. "ACTION" MEANS ANY CIVIL JUDICIAL PROCEEDING AS DEFINED IN  SECTION
 ONE HUNDRED FIVE OF THE CIVIL PRACTICE LAW AND RULES.
   2.  "ADEQUATE  DOCUMENTATION OF COERCED DEBT" MEANS DOCUMENTATION THAT
 IDENTIFIES A PARTICULAR DEBT, OR A PORTION  THEREOF,  AS  COERCED  DEBT,
 DESCRIBES  THE CIRCUMSTANCES UNDER WHICH SUCH COERCED DEBT WAS INCURRED,
 AND TAKES THE FORM OF ANY OF THE FOLLOWING:
   (A) A POLICE REPORT;
   (B) A FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT THAT IDENTIFIES A
 PARTICULAR DEBT, OR PORTION THEREOF, AS A COERCED DEBT;
   (C) AN ORDER FROM A COURT  OF  COMPETENT  JURISDICTION  SETTING  FORTH
 FINDINGS OF COERCED DEBT; OR
   (D)  A  WRITTEN VERIFICATION, FROM A QUALIFIED THIRD PARTY TO WHOM THE
 DEBTOR REPORTED THE COERCED DEBT, WHICH SHALL BE SATISFIED BY ANY  SWORN
 OR NOTARIZED STATEMENT INCLUDING THE REQUIRED INFORMATION AS WELL AS THE
 LETTERHEAD,  ADDRESS,  AND  TELEPHONE  NUMBER  OF  SUCH  QUALIFIED THIRD
 PARTY'S EMPLOYER OR, IF SELF-EMPLOYED, OF SUCH QUALIFIED THIRD PARTY.
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD05065-01-3
              

co-Sponsors

2023-A1309A - Details

See Senate Version of this Bill:
S2278
Law Section:
General Business Law
Laws Affected:
Add Art 29-HHH §§604-aa - 604-cc, Gen Bus L
Versions Introduced in 2021-2022 Legislative Session:
A10667

2023-A1309A - 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.

2023-A1309A - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  1309--A
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             January 17, 2023
                                ___________
 
 Introduced  by  M. of A. L. ROSENTHAL, KELLES, WALKER, DARLING, SHIMSKY,
   BURDICK -- read once and referred to the Committee on Consumer Affairs
   and  Protection  --  committee  discharged,  bill   amended,   ordered
   reprinted as amended and recommitted to said committee
 
 AN  ACT to amend the general business law, in relation to establishing a
   right of action for claims arising out of coerced debts
 
   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. The general business law is amended by adding a new article
 29-HHH to read as follows:
                               ARTICLE 29-HHH
                      ACTIONS INVOLVING COERCED DEBTS
 SECTION 604-AA. DEFINITIONS.
         604-BB. NOTICE OF COERCED DEBT.
         604-CC. COERCED DEBT CAUSE OF ACTION AND AFFIRMATIVE DEFENSE.
   §  604-AA.  DEFINITIONS.  AS USED IN THIS ARTICLE, THE FOLLOWING TERMS
 SHALL HAVE THE FOLLOWING MEANINGS:
   1. "ACTION" MEANS ANY CIVIL JUDICIAL PROCEEDING AS DEFINED IN  SECTION
 ONE HUNDRED FIVE OF THE CIVIL PRACTICE LAW AND RULES.
   2.  "ADEQUATE  DOCUMENTATION OF COERCED DEBT" MEANS DOCUMENTATION THAT
 IDENTIFIES A PARTICULAR DEBT, OR A PORTION  THEREOF,  AS  COERCED  DEBT,
 DESCRIBES  THE CIRCUMSTANCES UNDER WHICH SUCH COERCED DEBT WAS INCURRED,
 AND TAKES THE FORM OF ANY OF THE FOLLOWING:
   (A) A POLICE REPORT;
   (B) A FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT THAT IDENTIFIES A
 PARTICULAR DEBT, OR PORTION THEREOF, AS A COERCED DEBT;
   (C) AN ORDER FROM A COURT  OF  COMPETENT  JURISDICTION  SETTING  FORTH
 FINDINGS OF COERCED DEBT; OR
   (D)  A  WRITTEN VERIFICATION, FROM A QUALIFIED THIRD PARTY TO WHOM THE
 DEBTOR REPORTED THE COERCED DEBT, WHICH SHALL BE SATISFIED BY ANY  SWORN
 OR NOTARIZED STATEMENT INCLUDING THE REQUIRED INFORMATION AS WELL AS THE
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD05065-02-3
              

co-Sponsors

2023-A1309B (ACTIVE) - Details

See Senate Version of this Bill:
S2278
Law Section:
General Business Law
Laws Affected:
Add Art 29-HHH §§604-aa - 604-cc, Gen Bus L
Versions Introduced in 2021-2022 Legislative Session:
A10667

2023-A1309B (ACTIVE) - 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.

2023-A1309B (ACTIVE) - Bill Text download pdf

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  1309--B
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             January 17, 2023
                                ___________
 
 Introduced  by  M. of A. L. ROSENTHAL, KELLES, WALKER, DARLING, SHIMSKY,
   BURDICK, REYES -- read once and referred to the Committee on  Consumer
   Affairs  and Protection -- committee discharged, bill amended, ordered
   reprinted as amended and recommitted to said committee -- reported and
   referred to the Committee on Codes -- recommitted to the Committee  on
   Codes  in  accordance  with  Assembly  Rule  3,  sec.  2  -- committee
   discharged, bill amended, ordered reprinted as amended and recommitted
   to said committee
 
 AN ACT to amend the general business law, in relation to establishing  a
   right of action for claims arising out of coerced debts
 
   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. The general business law is amended by adding a new article
 29-HHH to read as follows:
                               ARTICLE 29-HHH
                      ACTIONS INVOLVING COERCED DEBTS
 SECTION 604-AA. DEFINITIONS.
         604-BB. NOTICE OF COERCED DEBT.
         604-CC. COERCED DEBT CAUSE OF ACTION AND AFFIRMATIVE DEFENSE.
   § 604-AA. DEFINITIONS. AS USED IN THIS ARTICLE,  THE  FOLLOWING  TERMS
 SHALL HAVE THE FOLLOWING MEANINGS:
   1.  "ACTION" MEANS ANY CIVIL JUDICIAL PROCEEDING AS DEFINED IN SECTION
 ONE HUNDRED FIVE OF THE CIVIL PRACTICE LAW AND RULES.
   2. "ADEQUATE DOCUMENTATION OF COERCED DEBT" MEANS  DOCUMENTATION  THAT
 IDENTIFIES  A  PARTICULAR  DEBT,  OR A PORTION THEREOF, AS COERCED DEBT,
 DESCRIBES THE CIRCUMSTANCES UNDER WHICH SUCH COERCED DEBT WAS  INCURRED,
 AND TAKES THE FORM OF ANY OF THE FOLLOWING:
   (A) A POLICE REPORT;
   (B) A FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT THAT IDENTIFIES A
 PARTICULAR DEBT, OR PORTION THEREOF, AS A COERCED DEBT;
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD05065-04-3
 A. 1309--B                          2
              

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