Asm. Yudelka Tapia

Requires property/casualty insurance companies to submit certain zip code-level data to the department of financial services on nonrenewal rates, nonpayment cancellation rates, other cancellation rates, claim frequency rates, average claim amounts, paid loss ratios, and average premiums; requires property/casualty insurance companies that use a natural disaster risk model or scoring method to assign risk, information about such model or scoring method; authorizes a premium discount to policyholders of homeowners insurance or property/casualty insurance applicable to residential real property who demonstrate certain mitigation actions; requires insurers to post about such discounts on their public websites; relates to the timing of cancellation and nonrenewal notices for certain insurance policies; relates to increasing membership of the board governing the New York property insurance underwriting association; requires a quadrennial report on the activities of such association; increases such board membership to 23 including 6 directors appointed by the legislature and 4 directors appointed by the governor.

Establishes visiting policies for incarcerated people, to provide incarcerated people opportunities for personal contact with relatives, friends, clergy, volunteers and other persons to promote better institutional adjustment and better community adjustment upon release.

Maddy summaryThis bill requires chatbot operators (proprietors) to prevent their AI systems from impersonating licensed professionals like doctors, lawyers, or therapists when providing advice or taking actions that would be illegal if done by a human. Proprietors must clearly disclose to users that they are interacting with an AI chatbot in the same language and readable font size as the chatbot's interface, and cannot avoid liability by merely stating this fact. If a chatbot causes harm through such impersonation, affected individuals can sue for actual damages, plus attorney fees if the violation was willful. The law specifically targets chatbots offering professional advice, excluding basic tools like spellcheck or payment processors.

Establishes the "accountability of costs for data centers act"; requires each electric corporation, gas corporation and municipality to establish an independent classification of service for large energy use facilities that is separate and distinct from other classifications of service; authorizes the department of public service to develop financial surety requirements.

Relates to enacting the rent emergency stabilization for tenants act on local determinations of a housing emergency; authorizes a city with a population of one million or more to declare an emergency as to any class of housing accommodations if the vacancy rate for the housing accommodations in such class within such municipality is not in excess of five percent and a declaration of emergency may be made as to all housing accommodations if the vacancy rate for the housing accommodations within such municipality is not in excess of five percent; authorizes other cities, towns and villages to declare a housing emergency after considering publicly available data and holding public hearings.

Relates to preventing minors from participating in sports wagering and creating accounts on mobile sports wagering platforms; requires platforms to employ commercially reasonable and technically feasible age assurance methods.

Prohibits certain financial institutions from charging a fee for making monthly, semi-monthly, and biweekly payments or for changing the frequency of mortgage payments.

Provides that a landlord shall provide a prospective tenant a written disclosure of the tenant screening criteria used to evaluate rental applications prior to accepting any fee, deposit, or screening information from such prospective tenant.

Requires certain labeling to be used to indicate the safety dates and quality dates of food products; requires the department of agriculture and markets to educate consumers about such provisions.

Directs the department of social services to establish an outdoor, nature-based child care pilot project to explore establishing licensing guidelines for the operation of outdoor, nature-based child care programs in an outdoor space and that employ a nature-based early learning curriculum to teach enrolled children.