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Key Votes

A 10219 - Mortgage Bill of Rights - Key Vote

New York Key Votes

Audrey Pheffer voted Yea (Passage) on this Legislation.

Read statements Audrey Pheffer made in this general time period.




Stage Details

Legislation - Bill Sent To Committee (Senate) -
Legislation - Bill Passed (House) (122-15) - (Key vote)

Title: Mortgage Bill of Rights

Vote Result
Yea Votes
Nay Votes
Vote Smart's Synopsis:

Vote to pass a bill that mandates that applicants for a home loan be provided “The Mortgage Applicant’s Bill of Rights” which guarantees the applicant certain rights and legal options when obtaining a mortgage.

-Requires the superintendent of banks to develop a pamphlet that shall be known as “The Mortgage Applicant’s Bill of Rights” and post it on the banking departments website (Sec. 1). -Mandates that no lending institution may accept a mortgage application unless the pamphlet is provided to the applicant and he/she acknowledges in writing that they received it (Sec. 1). -Mandates that the pamphlet include, among others, that the applicant has the right to receive an honest evaluation of their income, the amount a mortgage broker is being paid for a loan, and is informed as to whether it is a fixed or variable rate loan (Sec. 1).
Legislation - Introduced (House) -

Title: Mortgage Bill of Rights


  • José R. Peralta (NY - D) (Out Of Office)


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