S 9746 New York Senate · 2025 Regular Session

Clarifies who may sue an insurer for violations related to misrepresentations, misleading statements and incomplete comparisons

Summary

Clarifies that residents of the state and any policyholder, contract holder, certificate holder, or beneficiary of a policy, contract, or certificate of life, accident and health insurance may sue an insurer for violations related to misrepresentations, misleading statements and incomplete comparisons.

Issues: ✓ Healthcare

Bill status in committee 1 of 4 stages cleared

Introduction

Apr 2026

Committee Review

Floor Vote

Governor

Introduced Apr 2, 2026 Last action Jun 3, 2026

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What changed between versions

S9746 → S9746A · 4 edits

MODERATE

This bill amends the New York Insurance Law to clarify that specific penalties for misleading sales practices apply to policies issued or delivered within the state. It also updates the bill's procedural status to reflect that it has been reported favorably by the Committee on Insurance and amended by the Senate.

Scope change

The bill's substantive scope regarding the insurance law remains focused on the same section (4226), but the text is streamlined to remove redundant definitions of prohibited conduct that were previously included in the bill text. The applicability of the penalties to in-state policies is now explicitly referenced in the act's title rather than being redefined in the body.

TECHNICAL

The bill title was updated to explicitly state that the amendment clarifies the application of subsection (d) of section 4226, rather than broadly stating it clarifies prohibitions on insurance companies.

The list of sponsors was updated to include Senator Scarcella-Spanton, and the procedural history was added to reflect the bill's favorable committee report and amendment.

The detailed text of Section 1 was replaced with a single paragraph that references subsection (d) of section 4226, removing the previous verbose list of specific prohibited acts (such as making misleading estimates or incomplete comparisons) that were already codified in the law.

The bill's page number in the header was changed from 9746 to 9746--A, and the legislative document identifier was updated from LBD14975-01-6 to LBD14975-05-6.

Floor votes

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Full legislative history

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Key actions

Committee

Amendments

May 19, 2026

Upper · Passed

AMENDED ON THIRD READING (T) 9746A

upper

Apr 2, 2026

Committee

REFERRED TO INSURANCE

upper

1 primary · 1 co-sponsor