A04810Introduced in the Assembly
Relates to the application of certain provisions relating to commercial financing; provides that liability shall not be imposed on a provider if the actual annual percentage rate charged by the provider differs from the estimated annual percentage rate disclosed by the provider acting in good faith.
Introduced by Clyde Vanel, District 33
What does this bill do?
Plain-English breakdown
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Official description
Relates to the application of certain provisions relating to commercial financing; provides that liability shall not be imposed on a provider if the actual annual percentage rate charged by the provider differs from the estimated annual percentage rate disclosed by the provider acting in good faith.
Where it stands
REFERRED TO BANKS
February 5, 2026
How did lawmakers vote?
AssemblyStage: Assembly Floor Vote - Final Passage · March 10, 2025
137
Yes
11
No
2
Absent or Not Voting
150 assemblymembers recorded in this Assembly vote. Colors show vote categories only, not whether a vote was good or bad.
What do people think?
Citizen Voice
How would you vote on this bill?
An unofficial public opinion poll. It does not affect the bill or the official vote.
One response per device. Location is self-reported and not verified. Results are informal and not a scientific survey.
See how each assemblymember voted
| Assemblymember | District | Vote |
|---|---|---|
| Tommy Schiavoni | 1 | Yes |
| Jodi Giglio | 2 | Yes |
| Joseph DeStefano | 3 | Yes |
| Rebecca Kassay | 4 | Yes |
| Doug Smith | 5 | Yes |
| Philip Ramos | 6 | Yes |
| Jarett Gandolfo | 7 | Yes |
| Michael Fitzpatrick | 8 | Yes |
| Michael Durso | 9 | Yes |
| Steve Stern | 10 | Yes |
Bill history
referred to banks
reported referred to codes
reported
advanced to third reading cal.52
passed assembly
delivered to senate
REFERRED TO BANKS
DIED IN SENATE
RETURNED TO ASSEMBLY
ordered to third reading cal.130
passed assembly
delivered to senate
REFERRED TO BANKS
Verify the information
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