# New York A 9644: Relates to the interest rate cap on cash advances against wages or salary

New York A 9644, Relates to the interest rate cap on cash advances against wages or salary, is a 2025-2026 Regular Session House bill sponsored by Steven Raga (Democratic); status in committee, last action 2026-03-11 (PRINT NUMBER 9644A) (as of 2026-11-04).

- Canonical: https://policyrisk.com/state-bill/NY-A9644-2025
- As of: 2026-11-04
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: New York A 9644
- State: New York
- Session: 2025-2026 Regular Session
- Title: Relates to the interest rate cap on cash advances against wages or salary
- Status: in committee
- Chamber: House
- Introduced: 2026-01-21
- Last action: 2026-03-11, PRINT NUMBER 9644A
- Sponsor: Steven Raga (Democratic)
- Cosponsors: 13
- Subjects: Banks
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

No summary available.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Steven Raga (Democratic), House
- Cosponsor: Amanda Septimo (Democratic), House
- Cosponsor: Diana Moreno (Democratic), House
- Cosponsor: Emerita Torres (Democratic), House
- Cosponsor: Emily Gallagher (Democratic), House
- Cosponsor: Grace Lee (Democratic), House
- Cosponsor: Harry B. Bronson (Democratic), House
- Cosponsor: Jessica Gonzalez-Rojas (Democratic), House
- Cosponsor: Larinda Hooks (Democratic), House
- Cosponsor: Maritza Davila (Democratic), House
- Cosponsor: MaryJane Shimsky (Democratic), House
- Cosponsor: Noah Burroughs (Democratic), House
- Cosponsor: William Colton (Democratic), House
- Cosponsor: Yudelka Tapia (Democratic), House

## Actions (3)

- 2026-03-11: PRINT NUMBER 9644A (House)
- 2026-03-11: AMEND (T) AND RECOMMIT TO BANKS (House)
- 2026-01-21: REFERRED TO BANKS (House)

## Bill text

- Amendment A, 2026-03-11: [PDF](https://legislation.nysenate.gov/pdf/bills/2025/A9644A)
- Original, 2026-01-21: [PDF](https://legislation.nysenate.gov/pdf/bills/2025/A9644)

## Related bills

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- 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 11443: Relates to commercial food fish licenses (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)
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## Sources
- [Amendment A (PDF)](https://legislation.nysenate.gov/pdf/bills/2025/A9644A)
- [Original (PDF)](https://legislation.nysenate.gov/pdf/bills/2025/A9644)

## Related
- [A 5175: Requires certain security features and warning labels on baby monitors](https://policyrisk.com/state-bill/NY-A5175-2025)
- [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 11443: Relates to commercial food fish licenses](https://policyrisk.com/state-bill/NY-A11443-2025)
- [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)
- [S 9968: Establishes the Harris Hill Volunteer Fire Company Benevolent Association](https://policyrisk.com/state-bill/NY-S9968-2025)
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Source: PRIA, https://policyrisk.com/state-bill/NY-A9644-2025 (as of 2026-11-04).