# New York A 431: Relates to private education debt reporting

New York A 431, Relates to private education debt reporting, is a 2025-2026 Regular Session House bill sponsored by Harvey Epstein (Democratic); status signed, last action 2025-02-14 (SIGNED CHAP.15) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/NY-A431-2025
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: New York A 431
- State: New York
- Session: 2025-2026 Regular Session
- Title: Relates to private education debt reporting
- Status: signed
- Chamber: House
- Introduced: 2025-01-08
- Last action: 2025-02-14, SIGNED CHAP.15
- Sponsor: Harvey Epstein (Democratic)
- Cosponsors: 0
- Subjects: BANKS, RULES
- Touches household money: no
- Roll calls: 2 (192 yes, 14 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- More transparency for private student loan borrowers: benefit, low. Servicers must file certified reports by April 1 about private education debt serviced for New York residents during the prior year. Reports identify lenders and schools, including schools outside New York. They track balances, loan and borrower counts, interest-rate ranges, defaults, cosigners, re…

## Sponsors and cosponsors

- Sponsor: Harvey Epstein (Democratic), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-02-12 | Senate | FLOOR Vote | pass | 45 | 14 |   |
| 2025-02-03 | House | Assembly floor vote | pass | 147 | 0 |   |

## Actions (14)

- 2025-02-14: SIGNED CHAP.15 (House)
- 2025-02-12: DELIVERED TO GOVERNOR (House)
- 2025-02-12: RETURNED TO ASSEMBLY (Senate)
- 2025-02-12: PASSED SENATE (Senate)
- 2025-02-12: 3RD READING CAL.163 (Senate)
- 2025-02-12: SUBSTITUTED FOR S2680 (Senate)
- 2025-02-03: REFERRED TO RULES (Senate)
- 2025-02-03: DELIVERED TO SENATE (House)
- 2025-02-03: PASSED ASSEMBLY (House)
- 2025-01-28: ORDERED TO THIRD READING RULES CAL.70 (House)
- 2025-01-28: RULES REPORT CAL.70 (House)
- 2025-01-28: REPORTED (House)
- 2025-01-14: REPORTED REFERRED TO RULES (House)
- 2025-01-08: REFERRED TO BANKS (House)

## Bill text

- Original, 2025-01-03: [PDF](https://legislation.nysenate.gov/pdf/bills/2025/A431)

## Related bills

- S 10643: Relates to labor peace agreements and the cannabis industry wage board; repealer (signed)
- S 9051: Prohibits artificial intelligence companions from using features which are considered unsafe for minors (signed)
- A 5175: Requires certain security features and warning labels on baby monitors (signed)
- A 11443: Relates to commercial food fish licenses (signed)
- A 10343: Relates to fees and expenses in unemployment insurance proceedings; extending effectiveness (signed)
- A 10052: Extends the effectiveness of the authority of the town of Red Hook to impose real estate transfer taxes and to deposit revenue from such taxes into a community… (signed)

## Sources
- [Original (PDF)](https://legislation.nysenate.gov/pdf/bills/2025/A431)

## Related
- [S 10643: Relates to labor peace agreements and the cannabis industry wage board; repealer](https://policyrisk.com/state-bill/NY-S10643-2025)
- [S 9051: Prohibits artificial intelligence companions from using features which are cons…](https://policyrisk.com/state-bill/NY-S9051-2025)
- [A 5175: Requires certain security features and warning labels on baby monitors](https://policyrisk.com/state-bill/NY-A5175-2025)
- [A 11443: Relates to commercial food fish licenses](https://policyrisk.com/state-bill/NY-A11443-2025)
- [A 10343: Relates to fees and expenses in unemployment insurance proceedings; extending e…](https://policyrisk.com/state-bill/NY-A10343-2025)
- [A 10052: Extends the effectiveness of the authority of the town of Red Hook to impose re…](https://policyrisk.com/state-bill/NY-A10052-2025)
- [New York bills](https://policyrisk.com/states/new-york/bills)
- [New York state hub](https://policyrisk.com/states/new-york)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/NY-A431-2025 (as of 2026-10-19).