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NY A03930: Regulates the use of artificial intelligence in aiding decisions on rental housing and loans; requires a study on the impact of artificial intelligen…

In Committee New York · 2025–2026 session

Last verified Oct 27, 2026 · official bill text

A03930 · where it stands

1 of 5 steps complete
  1. Introduced In committee
  2. Passed first chamber
  3. Passed both chambers
  4. Enacted
  5. Effective
What do these statuses mean?
Introduced
Filed in the legislature; may be waiting for a committee hearing.
Passed a chamber
Approved by one or both chambers; awaiting further action.
Enacted
Signed into law, or became law without a signature or over a veto.
Effective date
The date the law says it takes effect. Once it has passed, the page shows "Effective" and the date. A court order can still block a law; if we know of one, the summary says so.
Dead / vetoed
Vetoed, failed, or the session ended without action.
View full title

Regulates the use of artificial intelligence in aiding decisions on rental housing and loans; requires a study on the impact of artificial intelligence and machine learning on housing discrimination and redlining.

In one paragraph

New York's A 3930 would regulate algorithms in housing and lending. Landlords and banks using automated decision tools to screen applicants would need annual disparate impact analyses, 24-hour notice to applicants, and (landlords) public posting of results; landlords could not use pricing algorithms with nonpublic competitor data to set rent. Tenants could sue for damages. The housing agency would study AI and housing discrimination. Would take effect immediately. Referred to Housing January 30, 2025 and January 7, 2026; it has not passed either chamber.

Plain-English summary, written with AI assistance. The official text controls.

What it means for business

None yet: the bill is pending. If enacted, landlords and banks using AI screening tools, and landlords using pricing algorithms with nonpublic competitor data, would face audit, notice and disclosure duties.

Key provisions

  1. Real Property Law § 227-g: landlords may not use an automated decision tool to screen housing applicants without an annual disparate impact analysis, a public summary and 24-hour applicant notice
  2. General Business Law § 344: landlords may not set rent using a pricing algorithm that uses or was trained with nonpublic competitor data; landlords may not share tenant personal data without written consent
  3. Banking Law § 103-a: banks must conduct annual disparate impact analyses of lending tools, submit a summary to the Attorney General, give 24-hour notice with opt-out or consent, and allow thirty days to correct incorrect information and appeal a denial
  4. A tenant injured by a violation of § 344 may sue for damages and the court may award attorneys' fees; the Attorney General may enforce
  5. Section 4: DHCR with DFS and the Division of Human Rights must study AI and housing discrimination within one year and report within ninety days after
  6. Would take effect immediately

Latest legislative action

Jan 7, 2026. referred to housing

Sponsors

NameRoleDistrict
D Sponsor HD-013
D Sponsor HD-093
D Sponsor HD-067

Topics and industries

Related topics

Automated Decision-MakingAlgorithmic Pricing

Affected industries

Real EstateHousingFinance

This page is general information, not legal advice. Summaries are AI-assisted and may contain errors; read the statute for the controlling text and talk to a lawyer about your situation. Full disclaimer · Report an error

Related AI laws in New York

All New York bills →
S07882 Prohibits a person or entity from knowingly or with reckless disregard facilitat S09700 Prohibits the use of an algorithmic device by a landlord for the purpose of dete S02697 Prohibits the use of an algorithmic device by a landlord for the purpose of dete S09132 Prohibits the use of a wage-fixing algorithm in combination with personal or beh S06471 Relates to the use of automated decision tools by landlords for making housing d A09152 Prohibits the use of any automated or algorithm-driven process by which the pric

Same topic in other states

Colorado SB189 Automated Decision-Making Technology Rhode Island S2892 Prohibits use of algorithm or artificial intelligence to set residential rental Illinois SB 3364 HUMAN RIGHTS-AI-VIOLATIONS California SB52 Housing rental terms: algorithmic devices. Iowa HF2469 A bill for an act prohibiting the use of an automated decision-making system to Virginia HB1252 Virginia Residential Landlord and Tenant Act; algorithmic pricing device use by