S 10477 New York Senate · 2025 Regular Session

Relates to requirements when landlords offer tenants the option of rent reporting

This bill establishes rules for landlords who choose to report tenant rental payments to credit bureaus to help improve a tenant's credit score. It requires landlords to provide clear written notices about reporting options at the start of a lease and annually, ensuring tenants understand that reporting positive payments is voluntary and knowing how to opt out. If a landlord reports negative information like late payments, they must notify the tenant within thirty days and explain their rights to dispute the data. Additionally, the bill sets limits on fees landlords can charge for this service and clarifies that unpaid fees cannot be used as grounds to evict a tenant or deduct from their security deposit.
Bill status in committee 1 of 4 stages cleared
Introduction
May 2026
Committee Review
Floor Vote
Governor
Introduced May 15, 2026 Last action May 19, 2026
Maddy AI version diff · 1 comparison

What changed between versions

S10477 S10477A · 4 edits
MODERATE
The bill was amended to shift its focus from a general requirement for landlords to obtain tenant authorization before reporting any rental data to a specific mandate prohibiting the reporting of negative information (late or missed payments) without prior notice. Additionally, the bill now explicitly creates a separate, distinct process for landlords to offer tenants the option of having only positive rental payment history reported to credit agencies.
Scope change
The bill's scope was narrowed regarding negative reporting (now prohibited without notice) and expanded to include a new, specific provision for positive reporting options.
REQUIREMENT

Added a prohibition on landlords reporting negative rental payment information (late or missed payments) to credit agencies unless they first provided specific notice to the tenant in the lease.

Added a new, separate provision specifically governing the option for landlords to report only positive rental payment information to credit agencies.

Modified the definition of 'nationwide consumer reporting agency' to include agencies that resell data to major nationwide agencies, broadening the scope of entities covered.

Changed the required notice language for reporting from a general statement about optional reporting to a specific, standardized statement warning tenants about potential credit report impacts.

Floor votes

How they voted

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Full legislative history

Actions timeline

Total actions
3
Key actions
2
Committee
1
Amendments
2
May 19, 2026
Upper · Passed
PRINT NUMBER 10477A
upper
May 19, 2026
Upper · Passed
AMEND (T) AND RECOMMIT TO JUDICIARY
upper
May 15, 2026
Committee
REFERRED TO JUDICIARY
upper
1 primary · 0 co-sponsors

Sponsors

Role
Legislator
Party
State
District
P
Photo of Cordell Cleare
Cordell Cleare
DDemocratic
NY
30