A01239 Summary:

BILL NO    A01239B

SAME AS    SAME AS S02614-B

SPONSOR    Lancman (MS)

COSPNSR    Alfano, Jaffee, Perry, Millman, Titus

MLTSPNSR   Pheffer, Weinstein

Add S282, RP L

Enacts the "access to justice in lending act"; relates to a mortgagor's right
to recover attorney's fees in actions or proceedings arising out of
foreclosures of residential property which consists of a one- to four-family
residence, condominium that is occupied by the mortgagor or cooperative unit
that is occupied by the mortgagor; provides reciprocal attorney's fees.
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A01239 Actions:

BILL NO    A01239B

01/07/2009 referred to banks
04/28/2009 reported referred to codes
05/19/2009 amend and recommit to codes
05/19/2009 print number 1239a
06/02/2009 reported referred to rules
06/08/2009 reported 
06/08/2009 rules report cal.78
06/08/2009 ordered to third reading rules cal.78
06/11/2009 passed assembly
06/16/2009 delivered to senate
06/15/2009 REFERRED TO RULES
01/06/2010 DIED IN SENATE
01/06/2010 RETURNED TO ASSEMBLY
01/06/2010 ordered to third reading cal.111
02/01/2010 passed assembly
02/01/2010 delivered to senate
02/01/2010 REFERRED TO JUDICIARY
02/22/2010 SUBSTITUTED FOR S2614A
02/22/2010 3RD READING CAL.53
04/07/2010 SUBSTITUTION RECONSIDERED
04/07/2010 RECOMMITTED TO JUDICIARY
06/15/2010 recalled from senate
06/15/2010 RETURNED TO ASSEMBLY
06/15/2010 vote reconsidered - restored to third reading
06/15/2010 amended on third reading 1239b
06/22/2010 substituted by s2614b
           S02614  AMEND=B  KLEIN
           02/25/2009 REFERRED TO JUDICIARY
           04/21/2009 REPORTED AND COMMITTED TO CODES
           05/22/2009 AMEND AND RECOMMIT TO CODES
           05/22/2009 PRINT NUMBER 2614A
           01/06/2010 REFERRED TO JUDICIARY
           01/26/2010 1ST REPORT CAL.53
           02/01/2010 2ND REPORT CAL.
           02/02/2010 ADVANCED TO THIRD READING 
           02/22/2010 SUBSTITUTED BY A1239A
                      A01239  AMEND=B  Lancman (MS)
                      04/07/2010 SUBSTITUTION RECONSIDERED
                      04/07/2010 RESTORED TO THIRD READING
                      04/07/2010 AMENDED ON THIRD READING 2614B
                      06/15/2010 PASSED SENATE
                      06/15/2010 DELIVERED TO ASSEMBLY
                      06/15/2010 referred to codes
                      06/22/2010 substituted for a1239b
                      06/22/2010 ordered to third reading cal.111
                      06/22/2010 passed assembly
                      06/22/2010 returned to senate
                      10/08/2010 DELIVERED TO GOVERNOR
                      10/20/2010 SIGNED CHAP.550
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A01239 Votes:

A01239A06/11/2009 118/16
AbbateYCahillYEnglebrYHooperERMaiselYPowellYSkartadY
AlessiYCalhounYErrigoYHoytYMarkeyYPretlowYSpanoY
AlfanoERCamaraEREspaillYHyer SpYMayersoYQuinnNOStirpeY
AmedoreNOCanestrYFarrellYJacobsYMcDonouYRabbittNOSweeneyY
ArroyoERCarrozzERFieldsYJaffeeYMcEnenyYRaiaYTediscoY
AubryERCastroYFinchERJeffrieYMcKevitERRamosYThieleY
BacalleNOChristeYFitzpatNOJohnYMengERReilichYTitoneY
BallYClarkYGabryszYJordanNOMillerYReillyYTitusY
BarclayNOColtonYGalefYKavanagYMillmanYRive J YTobaccoNO
BarraERConteYGanttYKellnerYMolinarERRive N YTownsY
BarronYCookYGianariYKolbNOMorelleYRive PMYTownsenNO
BenedetYCorwinNOGibsonYKoonYNolanYRobinsoYWalkerY
BenjamiYCrespoYGiglioYLancmanYOaksNORosenthYWeinsteY
BingYCrouchYGlickYLatimerYO'DonneYRussellERWeisenbY
BoylandYCusickYGordonYLavineYO'MaraNOSaladinERWeprinY
BoyleYCymbrowYGottfriYLentolYOrtizYSaywardYWrightY
BradleyYDelMontYGuntherYLiftonYParmentYScarborYZebrowsY
BrennanYDenDekkYHawleyYLope PDYPaulinYSchimelYMr SpkrY
BrodskyYDestitoYHayesNOLope VJYPeoplesYSchimmiY
Brook KYDinowitYHeastieERLupardoYPeraltaYSchroedY
BurlingYDupreyNOHevesiYMageeERPerryYScozzafNO
ButlerYEddingtYHikindERMagnareYPhefferYSeminerY

A01239A02/01/2010 121/23
AbbateYCalhounYEspaillYHyer SpYMayersoYPretlowYStirpeY
AlessiYCamaraYFarrellYJacobsYMcDonouYQuinnNOSweeneyY
AlfanoYCanestrYFieldsYJaffeeYMcEnenyYRabbittNOTediscoY
AmedoreNOCarrozzYFinchNOJeffrieYMcKevitYRaiaNOThieleY
ArroyoYCastroYFitzpatNOJohnYMengYRamosYTitoneY
AubryYChristeYGabryszYJordanNOMill JMYReilichYTitusY
BacalleNOClarkYGalefYKavanagYMill M YReillyYTobaccoNO
BallYColtonYGanttYKellnerERMillmanYRive J YTownsY
BarclayNOConteYGianariYKolbNOMolinarNORive N YTownsenNO
BarraYCookYGibsonYKoonYMorelleYRive PMYWeinsteY
BarronYCorwinNOGiglioYLancmanYNolanYRobinsoYWeisenbY
BenedetYCrespoYGlickYLatimerYOaksNORosenthYWrightY
BenjamiYCrouchYGordonYLavineYO'DonneYRussellYZebrowsY
BingYCusickYGottfriYLentolYO'MaraNOSaladinYMr SpkrY
BoylandYCymbrowYGuntherYLiftonYOrtizYSaywardNO
BoyleNODelMontYHawleyYLope PDYParmentYScarborY
BrennanYDenDekkYHayesNOLope VJYPaulinYSchimelY
BrodskyYDestitoYHeastieYLupardoYPeoplesYSchimmiNO
Brook KYDinowitYHevesiYMageeYPeraltaYSchroedY
BurlingNODupreyNOHikindYMagnareYPerryYScozzafNO
ButlerYEnglebrYHooperYMaiselYPhefferYSkartadY
CahillYErrigoYHoytYMarkeyYPowellERSpanoY

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A01239 Memo:

BILL NUMBER:A1239B

TITLE OF BILL:  An act to amend the real property law, in relation to
enacting the "access to justice in lending act"

PURPOSE OR GENERAL IDEA OF THE BILL:  The purpose of this bill is to
allow borrowers in a foreclosure proceeding access to legal represen-
tation by providing that mortgage agreements which allow a prevailing
lender to recover attorneys fees in a foreclosure proceeding shall be
read to allow prevailing borrowers to recover attorneys fees as well,
thereby enabling borrowers with meritorious defenses to foreclosure to
obtain the legal representation necessary to assert those defenses,
similar to the reciprocal attorneys fees rights given tenants by Real
Property Law Section 234.

SUMMARY OF SPECIFIC PROVISIONS:  Section 1: Adds Real Property Law
section 282 to provide that mortgage agreements which allow a prevailing
lender to recover attorneys fees in a foreclosure proceeding shall be
read to allow prevailing borrowers to recover attorneys fees as well.

LEGISLATIVE HISTORY: New Bill.

FISCAL IMPLICATIONS: None.

EFFECTIVE DATE:  60 days after it shall have become law, These new
provisions shall apply to all real property mortgages that are in exist-
ence on or after such date, and apply to all actions and proceedings
commenced on or after such date.
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A01239 Text:

                           S T A T E   O F   N E W   Y O R K
       ________________________________________________________________________

                                        1239--B
                                                               Cal. No. 111

                              2009-2010 Regular Sessions

                                 I N  A S S E M B L Y

                                      (PREFILED)

                                    January 7, 2009
                                      ___________

       Introduced  by  M.  of  A.  LANCMAN,  ALFANO,  JAFFEE, PERRY, MILLMAN --
         Multi-Sponsored by -- M. of A. PHEFFER, WEINSTEIN  --  read  once  and
         referred  to  the  Committee  on Banks -- reported and referred to the
         Committee on Codes --  committee  discharged,  bill  amended,  ordered
         reprinted  as  amended  and recommitted to said committee -- passed by
         Assembly and delivered to the Senate, recalled from the  Senate,  vote
         reconsidered,  bill amended, ordered reprinted, retaining its place on
         the order of third reading

       AN ACT to amend the real property  law,  in  relation  to  enacting  the
         "access to justice in lending act"

         THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
       BLY, DO ENACT AS FOLLOWS:

    1    Section 1. This act shall be known and may be cited as the "access  to
    2  justice in lending act".
    3    S  2.  The real property law is amended by adding a new section 282 to
    4  read as follows:
    5    S 282. MORTGAGOR'S RIGHT TO RECOVER  ATTORNEYS'  FEES  IN  ACTIONS  OR
    6  PROCEEDINGS  ARISING  OUT  OF  FORECLOSURES OF RESIDENTIAL PROPERTY.  1.
    7  WHENEVER A COVENANT CONTAINED IN A MORTGAGE ON RESIDENTIAL REAL PROPERTY
    8  SHALL PROVIDE THAT IN ANY ACTION OR PROCEEDING TO FORECLOSE THE MORTGAGE
    9  THAT THE MORTGAGEE MAY RECOVER ATTORNEYS' FEES AND/OR EXPENSES  INCURRED
   10  AS THE RESULT OF THE FAILURE OF THE MORTGAGOR TO PERFORM ANY COVENANT OR
   11  AGREEMENT  CONTAINED IN SUCH MORTGAGE, OR THAT AMOUNTS PAID BY THE MORT-
   12  GAGEE THEREFOR SHALL BE PAID BY THE  MORTGAGOR  AS  ADDITIONAL  PAYMENT,
   13  THERE  SHALL  BE IMPLIED IN SUCH MORTGAGE A COVENANT BY THE MORTGAGEE TO
   14  PAY TO THE MORTGAGOR THE  REASONABLE  ATTORNEYS'  FEES  AND/OR  EXPENSES
   15  INCURRED  BY THE MORTGAGOR AS THE RESULT OF THE FAILURE OF THE MORTGAGEE
   16  TO PERFORM ANY COVENANT OR AGREEMENT ON ITS PART TO BE  PERFORMED  UNDER
   17  THE  MORTGAGE  OR  IN THE SUCCESSFUL DEFENSE OF ANY ACTION OR PROCEEDING
   18  COMMENCED BY THE MORTGAGEE AGAINST THE  MORTGAGOR  ARISING  OUT  OF  THE

        EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                             [ ] is old law to be omitted.
                                                                  LBD01064-11-0
       A. 1239--B                          2

    1  CONTRACT,  AND AN AGREEMENT THAT SUCH FEES AND EXPENSES MAY BE RECOVERED
    2  AS PROVIDED BY LAW IN AN ACTION COMMENCED AGAINST THE  MORTGAGEE  OR  BY
    3  WAY OF COUNTERCLAIM IN ANY ACTION OR PROCEEDING COMMENCED BY THE MORTGA-
    4  GEE  AGAINST  THE MORTGAGOR. ANY WAIVER OF THIS SECTION SHALL BE VOID AS
    5  AGAINST PUBLIC POLICY.
    6    2.   FOR THE PURPOSES OF THIS  SECTION,  "RESIDENTIAL  REAL  PROPERTY"
    7  MEANS  REAL  PROPERTY  IMPROVED  BY  A  ONE- TO FOUR-FAMILY RESIDENCE, A
    8  CONDOMINIUM THAT IS OCCUPIED BY THE MORTGAGOR OR A COOPERATIVE UNIT THAT
    9  IS OCCUPIED BY THE MORTGAGOR.
   10    S 3. This act shall take effect on the sixtieth  day  after  it  shall
   11  have become a law, shall apply to residential real property mortgages in
   12  existence  on  or  after  such  date  and  shall  apply  to  actions and
   13  proceedings commenced on or after such date.
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