THURSDAY, MARCH 25, 2021                                                                      10:55 A.M.



                                 ACTING SPEAKER AUBRY:  THE HOUSE WILL COME

                    TO ORDER.

                                 IN THE ABSENCE OF CLERGY, LET US PAUSE FOR A MOMENT OF

                    SILENCE.

                                 (WHEREUPON, A MOMENT OF SILENCE WAS OBSERVED.)

                                 VISITORS ARE INVITED TO JOIN THE MEMBERS IN THE PLEDGE

                    OF ALLEGIANCE.

                                 (WHEREUPON, ACTING SPEAKER AUBRY LED VISITORS AND

                    MEMBERS IN THE PLEDGE OF ALLEGIANCE.)

                                 A QUORUM BEING PRESENT, THE CLERK WILL READ THE

                    JOURNAL OF WEDNESDAY, MARCH 24TH.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  MR. SPEAKER, I MOVE

                                          1



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    THAT WE DISPENSE WITH THE FURTHER READING OF THE JOURNAL OF WEDNESDAY

                    MARCH THE 24TH AND ASK THAT THE SAME STANDS APPROVED.

                                 ACTING SPEAKER AUBRY:  WITHOUT OBJECTION,

                    SO ORDERED.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  THANK YOU, MR.

                    SPEAKER.  I WANT TO WELCOME COLLEAGUES TO THE CHAMBERS, BOTH THOSE

                    HERE WITH US AND THOSE WHO ARE HERE REMOTELY.  I DO HAVE A QUOTE I'D

                    LIKE TO SHARE TODAY.  THIS ONE COMES FORM HARRIET BEECHER STOWE, WHO

                    WAS AN AMERICAN ABOLITIONIST AND AN AUTHOR.  SHE CAME FROM THE

                    BEECHER FAMILY, A FAMOUS RELIGIOUS FAMILY, AND IS WELL KNOWN FOR HER

                    NOVEL UNCLE TOM'S CABIN WHICH DEPICTS THE HARSH CONDITIONS OF

                    ENSLAVED AFRICAN-AMERICANS.  MS. BEECHER STOWE IS SHARING WITH US

                    TODAY THAT, WHEN YOU'RE IN A TIGHT PLACE AND EVERYTHING GOES AGAINST

                    YOU, TILL IT SEEMS AS THOUGH YOU CANNOT HANG ON A MINUTE LONGER, NEVER

                    GIVE UP THEN, FOR THAT IS JUST THE PLACE AND THE TIME WHEN THE TIDE WILL

                    TURN.  AGAIN, WE WANT TO THANK MS. BEECHER STOWE FOR THOSE WORDS.

                                 AND, MR. SPEAKER, I WANT TO SAY TO COLLEAGUES THAT

                    YOU DO HAVE ON YOUR DESK THE MAIN CALENDAR.  AND AFTER THERE'S

                    HOUSEKEEPING -- ANY HOUSEKEEPING WE WILL TAKE UP RESOLUTIONS ON PAGE

                    3, AND THEN WE WILL TAKE UP THE FOLLOWING BILLS ON DEBATE:  WE'RE GOING

                    TO START WITH CALENDAR NO. 52 BY MR.  DINOWITZ, FOLLOWED BY CALENDAR

                    NO. 61 WITH MR. GOTTFRIED, CALENDAR NO. 110 BY MR. EPSTEIN AND

                    CALENDAR NO. 116 BY MR. ABINANTI.  MR. SPEAKER, THERE DEFINITELY WILL

                    BE A NEED FOR A MAJORITY CONFERENCE FOLLOWING OUR FLOOR WORK TODAY,

                                          2



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    AND AS ALWAYS WE WILL CONSULT WITH OUR COLLEAGUES TO DETERMINE WHAT

                    THEIR NEEDS MAY BE.

                                 THAT'S THE GENERAL OUTLINE.  IF THERE IS ANY

                    HOUSEKEEPING, NOW WOULD BE A GREAT TIME.

                                 ACTING SPEAKER AUBRY:  WE DO HAVE

                    HOUSEKEEPING, MRS. PEOPLES-STOKES.

                                 ON A MOTION BY MS. PAULIN, PAGE 10, CALENDAR NO.

                    94, BILL NO. A.528, THE AMENDMENTS ARE RECEIVED AND ADOPTED.

                                 ON A MOTION BY MS. LINDA ROSENTHAL, PAGE 14,

                    CALENDAR NO. 157, BILL NO. A.518, THE AMENDMENTS ARE RECEIVED AND

                    ADOPTED.

                                 ON A MOTION BY MS. RAJKUMAR, PAGE 17, CALENDAR NO.

                    188, BILL NO. 6077, THE AMENDMENTS ARE RECEIVED AND ADOPTED.

                                 ON A MOTION -- WITHOUT OBJECTION, ON A MOTION BY MR.

                    GOTTFRIED TO RECONSIDER THE SUBSTITUTION OF SENATE BILL 1451 FOR

                    ASSEMBLY BILL 761, SAID SENATE BILL IS RECOMMITTED TO THE COMMITTEE

                    ON HEALTH AND SAID ASSEMBLY BILL IS RESTORED TO ITS PLACE ON THIRD

                    READING.  ON A MOTION BY MR. GOTTFRIED, THE AMENDMENTS ARE RECEIVED

                    AND ADOPTED.


                                 RESOLUTIONS ON PAGE 3, ASSEMBLY NO. 140, CLERK WILL

                    READ.


                                 THE CLERK:  ASSEMBLY RESOLUTION NO. 140, MS.

                    JOYNER.

                                 LEGISLATIVE RESOLUTION MEMORIALIZING GOVERNOR

                    ANDREW M. CUOMO TO PROCLAIM MARCH 2, 2021 AS READ ACROSS

                                          3



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    AMERICA DAY IN THE STATE OF NEW YORK.

                                 ACTING SPEAKER AUBRY:  ON THE RESOLUTION, ALL

                    THOSE IN FAVOR SIGNIFY BY SAYING AYE; OPPOSED, NO.  THE RESOLUTION IS

                    ADOPTED.


                                 THE CLERK:  ASSEMBLY RESOLUTION NO. 141, MS.

                    ROSENTHAL.

                                 LEGISLATIVE RESOLUTION MEMORIALIZING GOVERNOR

                    ANDREW M. CUOMO TO PROCLAIM 8:30 P.M. THROUGH 9:30 P.M. ON

                    SATURDAY, MARCH 27TH, 2021 AS EARTH HOUR IN THE STATE OF NEW YORK.

                                 ACTING SPEAKER AUBRY:  ON THE RESOLUTION, ALL

                    THOSE IN FAVOR SIGNIFY BY SAYING AYE; OPPOSED, NO.  THE RESOLUTION IS

                    ADOPTED.


                                 THE CLERK:  ASSEMBLY RESOLUTION NO. 142, MRS.

                    BARRETT.

                                 LEGISLATIVE RESOLUTION MEMORIALIZING GOVERNOR

                    ANDREW M. CUOMO TO PROCLAIM MARCH 29, 2021 AS VIETNAM VETERANS

                    DAY IN THE STATE OF NEW YORK IN CONJUNCTION WITH THE OBSERVANCE OF

                    NATIONAL VIETNAM VETERANS DAY.

                                 ACTING SPEAKER AUBRY:  ON THE RESOLUTION, ALL

                    THOSE IN FAVOR SIGNIFY BY SAYING AYE; OPPOSED, NO.  THE RESOLUTION IS

                    ADOPTED.


                                 THE CLERK:  ASSEMBLY RESOLUTION NO. 143, MS.

                    JEAN-PIERRE.

                                 LEGISLATIVE RESOLUTION MEMORIALIZING GOVERNOR

                    ANDREW M. CUOMO TO PROCLAIM APRIL 4-10, 2021 AS LIBRARY WEEK IN

                                          4



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    THE STATE OF NEW YORK.

                                 ACTING SPEAKER AUBRY:  MS. JEAN-PIERRE ON

                    THE RESOLUTION.

                                 MS. JEAN-PIERRE:  THANK YOU, MR. SPEAKER, FOR

                    ALLOWING ME TO SPEAK ON THIS RESOLUTION.  THE WEEK OF APRIL 4TH

                    THROUGH THE 10TH IS AN EXTREMELY IMPORTANT WEEK IN THE STATE OF NEW

                    YORK AS WE RECOGNIZE LIBRARY WEEK IN CONJUNCTION WITH NATIONAL

                    LIBRARY WEEK.  I WOULD LIKE FIRST TO GIVE SOME BACKGROUND INTO LIBRARY

                    WEEK.  IT ORIGINATED BECAUSE IN 1958 STUDIES SHOWED THAT IN THE

                    MID-1950S THAT AMERICANS WERE READING LESS.  THE AMERICAN LIBRARY

                    ASSOCIATION CREATED A NATIONAL BOOK COMMITTEE IN ORDER TO ENCOURAGE

                    AMERICANS TO READ MORE AND SHOW THE BENEFITS OF READING.  THIS

                    COMMITTEE DEVELOPED A PLAN FOR NATIONAL LIBRARY WEEK TO BRING

                    AWARENESS TO THE ISSUE AND MOTIVATE PEOPLE TO READ IN TURNING -- IN

                    TURN, HOPING THAT AMERICANS WOULD READ MORE, OFTEN USE THEIR LIBRARIES

                    AS A RESOURCE TO RECEIVE READING MATERIALS.  AND NOW THIS WEEK MARKS

                    THE 63RD ANNIVERSARY OF NATIONAL LIBRARY WEEK.  ESPECIALLY DURING

                    THIS WEEK AND ALL OTHER WEEKS WE RECOGNIZE THE IMPORTANCE OF

                    LIBRARIES, LIBRARIANS AND LIBRARY WORKERS IN OUR COMMUNITIES.  LIBRARIES

                    AND STAFF HAVE WORKED VERY HARD TO DELIVER RESOURCES DURING THIS

                    DIFFICULT TIME TO OUR CONSTITUENTS AND DESERVE RECOGNITION FOR ALL THEIR

                    HARD WORK.  LIBRARIES HAVE MADE THE TOUGH TRANSITION TO MOVING A LOT

                    OF THEIR RESOURCES ONLINE AND HAVE MADE -- EVEN MADE WI-FI HOT SPOTS

                    IN PARKING LOTS AND OTHER TO HELP OUR LOCAL COMMUNITIES.

                                 THANK YOU, MR. SPEAKER, AND ALL OF MY COLLEAGUES FOR

                                          5



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    CONTINUING TO PRIORITIZE LIBRARIES IN THE BUDGET PROCESS SO LIBRARIES CAN

                    CONTINUE TO DELIVER THEIR EXCELLENT RESOURCES TO OUR COMMUNITIES.  I'M A

                    -- I AM A LITTLE EARLY, BUT AS THE CHAIR OF THE LIBRARIES AND EDUCATION

                    TECHNOLOGY COMMITTEE, I WOULD LIKE TO WISH EVERYONE HAPPY LIBRARY

                    WEEK IN THE STATE OF NEW YORK.  THANK YOU.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MR. JENSEN.

                                 MR. JENSEN:  THANK YOU, MR. SPEAKER.  ON THE

                    RESOLUTION.

                                 ACTING SPEAKER AUBRY:  ON THE RESOLUTION,

                    SIR.

                                 MR. JENSEN:  I JUST WANT TO THANK THE CHAIR OF THE

                    LIBRARIES AND EDUCATION TECHNOLOGY COMMITTEE FOR SPONSORING THIS

                    RESOLUTION.  AND AS THE RANKING MEMBER ON THAT COMMITTEE, I COULD

                    NOT BE MORE PROUD TO -- TO JOIN HER IN SUPPORTING THIS RESOLUTION.

                    CERTAINLY, A 21ST CENTURY LIBRARY IS SO MUCH MORE THAN JUST STACKS AND

                    ROWS OF BOOKS.  BUT LIBRARIES TRULY SERVE AS COMMUNITY CENTERS WHERE

                    THEY CALL HOME.  OFTENTIMES HAVING ACTIVE AND DIVERSE PROGRAMING,

                    ELECTRONIC RESOURCE AND SERVING AS CAREER CENTERS, AND ARE REALLY IN

                    NON-COVID TIMES THE CENTER OF A COMMUNITY.  BUT IT'S IMPORTANT

                    DURING LIBRARY WEEK NOT JUST TO RECOGNIZE THOSE LIBRARIES THAT SERVE OUR

                    COMMUNITIES, BUT ALSO OUR SCHOOL LIBRARIES FOR THE IMPORTANT

                    EDUCATIONAL RESOURCES THEY PROVIDE STUDENTS IN THE SCHOOL DISTRICTS THEY

                    CALL HOME.

                                 SO, I WANT TO THANK THE CHAIR OF THE COMMITTEE FOR

                                          6



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    SPONSORING THIS.  AND AS SHE SAID, THAT NOT JUST THE WEEK OF THE 4TH

                    THROUGH THE 10TH IN APRIL IS LIBRARY WEEK, BUT REALLY EVERY WEEK IS

                    LIBRARY WEEK FOR THE MEMBERS OF THE EDUCATION -- OR THE LIBRARY AND

                    EDUCATION TECHNOLOGY COMMITTEE.  THANK YOU, MR. SPEAKER.

                                 ACTING SPEAKER AUBRY:  THANK YOU, SIR.

                                 ON THE RESOLUTION, ALL THOSE IN FAVOR SIGNIFY BY SAYING

                    AYE; OPPOSED, NO.  THE RESOLUTION IS ADOPTED.

                                 PAGE 5, CALENDAR NO. 52, THE CLERK WILL READ.


                                 THE CLERK:  ASSEMBLY NO. A01877, CALENDAR NO.

                    52, DINOWITZ, CARROLL, BARRON.  AN ACT TO AMEND THE GENERAL

                    OBLIGATIONS LAW, IN RELATION TO PREPAYMENT PENALTIES FOR MORTGAGES

                    SECURED BY REAL PROPERTY OWNED IN A COOPERATIVE FORM OF OWNERSHIP.

                                 ACTING SPEAKER AUBRY:  AN EXPLANATION IS

                    REQUESTED, MR. DINOWITZ.

                                 MR. DINOWITZ:  THANK YOU.  THIS BILL WOULD

                    PROHIBIT PREPAYMENT PENALTIES IN CO-OP BUILDINGS FOR THE UNDERLYING

                    MORTGAGE WHEN MORE THAN 50 PERCENT OF THE UNITS ARE SHAREHOLDER-

                    OCCUPIED.

                                 ACTING SPEAKER AUBRY:  MR. GOODELL.

                                 MR. GOODELL:  THANK YOU, MR. DINOWITZ.  AM I

                    CORRECT THAT UNDER CURRENT LAW A COOPERATIVE CAN GO WITH A MORTGAGE

                    THAT DOESN'T HAVE PREPAYMENT PENALTY CLAUSES OR IT CAN GO WITH A

                    MORTGAGE THAT DOES.  IT'S THE OPTION RIGHT NOW AND THIS WOULD ONLY

                    MAKE THAT OPTION, CORRECT?

                                 MR. DINOWITZ:  YES.

                                          7



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 MR. GOODELL:  AM I ALSO CORRECT THAT PROHIBITING

                    ANY PREPAYMENT PENALTY WOULD PREVENT CO-OPS FROM ANY ACCESS TO

                    MORTGAGES THAT ARE GUARANTEED OR PROCESSED BY FANNIE MAE, FREDDIE

                    MAC OR THE FEDERAL HOUSING ADMINISTRATION?

                                 MR. DINOWITZ:  WELL, SOME PEOPLE HAVE SAID THAT.

                                 MR. GOODELL:  WELL, IT'S MY UNDERSTANDING THAT ALL

                    THOSE ENTITIES REQUIRE PREPAYMENT PENALTIES, IS THAT CORRECT?

                                 MR. DINOWITZ:  WELL, THERE ARE MANY SOURCES FOR

                    GETTING MORTGAGES.  SO, I -- I MEAN, WE HAD THIS DISCUSSION LAST YEAR

                    WHEN THE BILL PASSED BY A VERY WIDE MARGIN.  AND THE PURPOSE OF THE

                    BILL IS SO THAT THOSE WHO LIVE IN CO-OPS -- I -- I DON'T KNOW THAT YOU

                    HAVE CO-OPS IN YOUR DISTRICT, MAYBE YOU DO, BUT I DON'T KNOW THAT --

                    WHAT ARE YOU, 150?  I DON'T KNOW THAT THEY HAVE CO-OPS.  PEOPLE PAY

                    SIGNIFICANT AMOUNTS OF MONEY AS A RESULT OF THE EXCESS THAT IS BEING

                    CHARGED TO CO-OPS BECAUSE THEY DON'T HAVE THE ABILITY TO REFINANCE AT A

                    LOWER RATE EVEN IF INTEREST RATES HAVE GONE DOWN SUBSTANTIALLY.  SO WE

                    WANT TO PROTECT -- WE WANT TO PROTECT CO-OP SHAREHOLDERS HERE.

                                 MR. GOODELL:  WELL, ISN'T IT TRUE THAT IN ANY

                    COMMERCIAL NEGOTIATION, INCLUDING A CO-OP MORTGAGE, FOR EXAMPLE,

                    THERE'S A TRADEOFF BETWEEN PREPAYMENT PENALTIES AND INTEREST RATES?

                                 MR. DINOWITZ:  WELL, EVERYTHING'S A TRADEOFF.  BUT

                    SOMETIMES WHAT WE HAVE TO DO IS DO WHAT'S BEST FOR THE GREATEST

                    NUMBER OF PEOPLE.  I MEAN, WE'RE -- WE'RE DOING A LOT OF THINGS NOW

                    BECAUSE OF -- OF COVID WHERE THINGS THAT WERE PREVIOUSLY NEGOTIATED

                    ARE, IN ESSENCE, BEING SORT OF RENEGOTIATED TO HELP PEOPLE OUT, INCLUDING

                                          8



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    MANY BUSINESSES, MANY PROPERTY OWNERS AND SO ON.  AND WHAT -- WHAT

                    THIS BILL TRIES TO DO - AND THIS BILL'S BEEN AROUND BEFORE COVID,

                    OBVIOUSLY - IS TO ELIMINATE WHAT -- WHAT I BELIEVE IS AN UNFAIR CHARGE TO

                    -- TO CO-OPS SIMPLY BECAUSE THEY'RE CO-OPS.  BECAUSE UNDER THE LAW

                    THEY'RE ESSENTIALLY CONSIDERED COMMERCIAL PROPERTIES, AND THAT'S ABSURD.

                    I LIVE IN A CO-OP, FOR EXAMPLE, AND MANY OF MY NEIGHBORS AROUND THE

                    DISTRICT DO.  AND I DON'T THINK THERE'S A SINGLE PERSON WHO CONSIDERS

                    THEMSELVES LIVING IN A COMMERCIAL PROPERTY.  WE LIVE IN AN APARTMENT

                    BUILDING.

                                 MR. GOODELL:  WOULD THIS -- MR. DINOWITZ, I

                    APOLOGIZE.  I -- I LOST TRACK OF WHAT QUESTION YOU WERE ANSWERING BUT

                    MAYBE YOU COULD HELP ME OUT.  WOULD THIS BILL --

                                 MR. DINOWITZ:  APOLOGY ACCEPTED.

                                 MR. GOODELL:  -- APPLY TO ACCEPTING PREPAYMENT

                    PENALTIES OR ONLY PREPAYMENT PENALTIES IN THE FUTURE?

                                 MR. DINOWITZ:  SAY IT AGAIN.  I'M SORRY, MR.

                    GOODELL.  WOULD YOU REPEAT THAT?  I --

                                 MR. GOODELL:  CERTAINLY.  WOULD THIS BILL APPLY TO

                    EXISTING PREPAYMENT PENALTIES OR ONLY TO PREPAYMENT PENALTIES IN THE

                    FUTURE?  THAT IS, NEW MORTGAGES WITH PREPAYMENT PENALTIES.

                                 MR. DINOWITZ:  I BELIEVE IT APPLIES TO EVERYTHING.

                                 MR. GOODELL:  SO IT WOULD APPLY RETROACTIVELY TO

                    EXISTING MORTGAGES THAT HAVE A PREPAYMENT PENALTY?

                                 MR. DINOWITZ:  WELL, I DON'T KNOW THAT I'D USE THE

                    WORD "RETROACTIVE."  IT WOULD APPLY TO CO-OP BUILDINGS THAT CURRENTLY

                                          9



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    EXIST.

                                 MR. GOODELL:  AND HOW IS THAT CONSISTENT WITH

                    THE STATE -- THE FEDERAL CONSTITUTIONAL CONTRACT CLAUSE WHICH SAYS THE

                    LEGISLATURE CANNOT PASS LEGISLATION THAT IMPAIRS THE EXIST -- THE VALIDITY

                    OF AN EXISTING CONTRACT?  IF WE PASS LEGISLATION THAT INVALIDATES A

                    PREPAYMENT PENALTY ON AN EXISTING MORTGAGE, AREN'T WE VIOLATING THE

                    FEDERAL CONSTITUTIONAL RESTRICTIONS?

                                 MR. DINOWITZ:  WELL, I MEAN, I'M NOT A FEDERAL

                    JUDGE, SO I WOULD HATE TO PASS JUDGMENT ON THAT.  I KNOW YOU OFTEN

                    MAKE REFERENCE TO THAT PARTICULAR PROVISION BUT I WOULD SAY THE ANSWER

                    IS THAT IT DOES NOT VIOLATE THAT.

                                 MR. GOODELL:  THANK YOU VERY MUCH, MR.

                    DINOWITZ.

                                 ON THE BILL, SIR.

                                 MR. DINOWITZ:  YOU'RE VERY WELCOME, MR. --

                                 ACTING SPEAKER AUBRY:  ON THE BILL, MR.

                    GOODELL.

                                 MR. GOODELL:  THANK YOU VERY MUCH.  RIGHT NOW

                    COOPERATIVES HAVE MULTIPLE OPTIONS AVAILABLE TO THEM WHEN THEY WANT

                    TO FINANCE THEIR OPERATIONS OR THE ACQUISITION.  ONE OPTION IS TO HAVE A

                    FEDERALLY-GUARANTEED LOAN THAT GOES THROUGH FANNIE -- FANNIE MAE,

                    FREDDIE MAC OR THE FEDERAL HOUSING ADMINISTRATION.  THAT'S ONE

                    OPTION THEY HAVE, AND IT'S OFTEN VERY ATTRACTIVE BECAUSE IT AFFECTS THE

                    UNDERWRITING STANDARDS AND THE INTEREST RATES.  BUT ALL THOSE FEDERAL

                    PROGRAMS REQUIRE A PREPAYMENT PENALTY IN THE MORTGAGE.  SO IF WE

                                         10



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    ENACT THIS LEGISLATION WE ELIMINATE THE ABILITY OF A CO-OP TO ACCESS ANY

                    OF THAT FINANCING.  NOW, UNDER CURRENT LAW A CO-OP HAS THE OPTION OF

                    PAYING MORE UPFRONT CLOSING COSTS IN RETURN FOR NOT HAVING A

                    PREPAYMENT PENALTY.  OR THEY CAN PAY LOWER CLOSING COSTS UP FRONT AND

                    TAKE A MORTGAGE WITH A PREPAYMENT PENALTY.  AND IT'S REALLY VERY

                    SIMPLE.  A BANK INCURS A LOT OF EXPENSE WHEN THEY DO A MORTGAGE, A

                    COMMERCIAL MORTGAGE, ON A LARGE CO-OP.  A LOT OF TITLE WORK, A LOT OF

                    LEGAL WORK.  LEASES, SUBORDINATION AGREEMENTS, TERM LIMIT AGREEMENTS,

                    NON-DISTURBANCE AGREEMENTS.  I MEAN THE LIST GOES ON AND ON.  SO WHAT

                    A BANK WILL TYPICALLY DO IS THEY'LL SAY TO A COMMERCIAL BORROWER LIKE A

                    CO-OP, YOU HAVE TWO OPTIONS:  OPTION ONE, YOU CAN PAY A LOAN

                    PROCESSING FEE THAT COVERS OUR OUT-OF-POCKET EXPENSES, AND IT CAN BE

                    TENS OF THOUSANDS OF DOLLARS.  OR OPTION TWO, WE CAN HAVE A MORTGAGE

                    WITH A SLIGHTLY HIGHER INTEREST RATE AND A PREPAYMENT PENALTY.  THE

                    SLIGHTLY HIGHER INTEREST RATE EFFECTIVELY REPAYS THE BANK FOR THEIR

                    UPFRONT CLOSING COSTS.  AND FOR SOME COOPERATIVES, HAVING A SLIGHTLY

                    HIGHER INTEREST RATE AND NO UPFRONT COSTS IS MUCH MORE ATTRACTIVE FROM

                    A CASH FLOW PERSPECTIVE.  THIS BILL ELIMINATES OPTIONS.  IT ELIMINATES THE

                    CHOICE OF A CONSUMER TO DECIDE WHAT IS IN THEIR BEST INTEREST.  AND IT

                    TAKES A VERY NARROW VIEW IN TIME, A SNAPSHOT, IF YOU WILL, AND THEY SAY,

                    HEY, WAIT A MINUTE.  THIS MORTGAGE WITH A PREPAYMENT PENALTY HAS A

                    SLIGHTLY HIGHER INTEREST RATE.  YEAH, THAT'S BECAUSE YOU DIDN'T HAVE ALL

                    THOSE UPFRONT CLOSING COSTS.  FOR THOSE OF US WHO WANT TO GIVE

                    CONSUMERS THE MOST OPTIONS TO DEVELOP A MORTGAGE AND A FINANCING

                    PLAN THAT BEST MEETS THEIR NEEDS, THAT GIVES THEM THE OPTION OF PAYING

                                         11



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    MORE UP FRONT AND HAVING A LOWER INTEREST RATE OR PAYING LESS UP FRONT

                    AND HAVING A SLIGHTLY HIGHER RATE.  FOR THOSE COMPANIES THAT WANT TO

                    ACCESS FANNIE MAE, FREDDIE MAC OR THE FEDERAL HOUSING

                    ADMINISTRATION BECAUSE OF THEIR UNDERWRITING STANDARDS AND BECAUSE OF

                    THE INTEREST RATES AND THE OTHER CRITERIA, THIS BILL ELIMINATES BORROWER

                    OPTIONS AND ULTIMATELY RESTRICTS WHAT BORROWERS WITH CO-OPS CAN DO.

                    WHICH IS WHY LAST YEAR AT LEAST 39 MEMBERS VOTED AGAINST IT AND I

                    ANTICIPATE THAT MANY WILL THIS YEAR AS WELL.

                                 ONE LAST POINT I WOULD NOTE.  THE COUNCIL OF NEW

                    YORK COOPERATIVES AND CONDOS HAS ACTUALLY WRITTEN ON THIS AND THEY

                    NOTED THAT HISTORICALLY WHEN LENDERS STOP MAKING CO-OP MORTGAGE

                    LOANS, AS WOULD RESULT IN THIS LEGISLATION BY ELIMINATING FANNIE MAE,

                    FREDDIE MAC AND FHA, IT GOES ON, THE VALUES OF APARTMENTS GO DOWN

                    BECAUSE OF THE FEAR OF DEFAULT WHEN A CO-OP'S MORTGAGE MATURES.  SO

                    LET'S NOT CREATE A SITUATION WHERE WE ELIMINATE OPTIONS TO THE CUSTOMER,

                    ELIMINATE THEIR ABILITY TO STRUCTURE A MORTGAGE THAT BEST MEETS THEIR

                    NEEDS, ELIMINATES THEIR ABILITY TO ACCESS ALL THESE EXTRAORDINARILY

                    IMPORTANT FEDERAL PROGRAMS AND RESULTS IN A SITUATION WHERE IT MAY

                    ACTUALLY ADVERSELY IMPACT THE VALUE OF THOSE UNITS.

                                 THANK YOU, SIR.

                                 ACTING SPEAKER AUBRY:  READ THE LAST SECTION.

                                 THE CLERK:  THIS ACT SHALL TAKE EFFECT IMMEDIATELY.

                                 ACTING SPEAKER AUBRY:  THE CLERK WILL

                    RECORD THE VOTE ON ASSEMBLY PRINT 1877.  THIS IS A PARTY VOTE.  ANY

                    MEMBER WHO WISHES TO BE RECORDED AS AN EXCEPTION TO THEIR

                                         12



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    CONFERENCE POSITION IS REMINDED TO CONTACT THE MAJORITY OR MINORITY

                    LEADER AT THE NUMBERS PREVIOUSLY PROVIDED.

                                 MR. GOODELL.

                                 MR. GOODELL:  THANK YOU, SIR.  THE REPUBLICAN

                    CONFERENCE WILL BE GENERALLY OPPOSED TO THIS LEGISLATION.  IF THERE ARE

                    MEMBERS THAT WOULD LIKE TO SUPPORT IT, THEY ARE ENCOURAGED TO CALL THE

                    MINORITY LEADER'S OFFICE SO WE CAN PROPERLY RECORD THEIR VOTE.  THANK

                    YOU, SIR.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  THANK YOU, MR.

                    SPEAKER.  MAJORITY MEMBERS WILL GENERALLY BE IN THE AFFIRMATIVE ON

                    THIS ONE.  SHOULD THERE BE MEMBERS DESIRING TO BE AN EXCEPTION, THEY

                    SHOULD FEEL FREE TO CONTACT THE MAJORITY LEADER'S OFFICE AND WE WILL

                    PROPERLY RECORD YOUR VOTE.

                                 (THE CLERK RECORDED THE VOTE.)

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MR. DINOWITZ TO EXPLAIN HIS VOTE.

                                 MR. DINOWITZ:  THANK YOU.  TO EXPLAIN MY VOTE.

                    FIRST, LET ME JUST CORRECT SOMETHING.  THE QUOTE THAT WAS JUST GIVEN A

                    MINUTE OR TWO AGO WAS ACTUALLY NOT, AS FAR AS I UNDERSTAND IT, FROM THE

                    NEW YORK COUNCIL OF CO-OPS AND CONDOS BUT, IN FACT, FROM ONE

                    INDIVIDUAL WHO IS ASSOCIATED WITH THEM.  THE VAST MAJORITY OF CO-OP

                    ADVOCATES SUPPORT THIS LEGISLATION.  AND I -- I WOULD SAY THAT THE TALK

                    THAT -- THAT'S BEEN PUT FORTH REGARDING THE RAMIFICATIONS OF THIS BILL, TO

                                         13



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    ME, IS -- IS KIND OF SCARE TACTICS FROM THE INDUSTRY.  I WOULD JUST URGE --

                    FOR ONCE I -- I WOULD ASK THAT OUR FRIENDS ON THE OTHER SIDE OF THE AISLE

                    TAKE THE SIDE OF INDIVIDUALS, THE AVERAGE PERSON, RATHER THAN THE LENDERS

                    AND THE BANKS IN THIS CASE.  IT'S NOT AN US VERSUS THEM THING.  BUT I WILL

                    SAY THAT THE PEOPLE WHO WILL BENEFIT FROM THIS BILL ARE PEOPLE IN OUR

                    COMMUNITIES, AVERAGE PEOPLE WHO LIVE IN CO-OPS, AND THIS WOULD BE

                    LARGELY -- A HUGE BENEFIT TO SO MANY PEOPLE.  MAYBE THE BANKS DON'T

                    LIKE IT, BUT, YOU KNOW, MOST OTHER PEOPLE WOULD LIKE IT.

                                 SO, I URGE EVERYBODY TO VOTE IN THE AFFIRMATIVE.

                    THANK YOU.

                                 ACTING SPEAKER AUBRY:  MR. DINOWITZ IN THE

                    AFFIRMATIVE.

                                 AND THIS IS THE FIRST VOTE OF THE DAY.

                                 ARE THERE --

                                 (PAUSE)

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  MR. SPEAKER, WOULD YOU

                    PLEASE CALL OUR COLLEAGUE MS. BUTTENSCHON'S VOTE IN THE NEGATIVE ON

                    THIS ONE.

                                 ACTING SPEAKER AUBRY:  SO NOTED.  THANK

                    YOU.

                                 ARE THERE ANY OTHER VOTES?  ANNOUNCE THE RESULTS.

                                 (THE CLERK ANNOUNCED THE RESULTS.)

                                 THE BILL IS PASSED.

                                 THE CLERK:  ASSEMBLY BILL NO. A00297, CALENDAR

                                         14



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    NO. 61, GOTTFRIED, DINOWITZ, COLTON, CAHILL, WEPRIN, OTIS, GALLAGHER,

                    SAYEGH, BARRON.  AN ACT TO AMEND THE UNIFORM CITY COURT ACT, THE

                    UNIFORM DISTRICT COURT ACT, THE UNIFORM JUSTICE COURT ACT AND THE

                    NEW YORK CITY CIVIL COURT ACT, IN RELATION TO OBTAINING JURISDICTION

                    OVER CERTAIN DEFENDANTS.

                                 ACTING SPEAKER AUBRY:  MR. GOODELL.

                                 MR. GOODELL:  THANK YOU, SIR.

                                 ON THE BILL.

                                 ACTING SPEAKER AUBRY:  ON THE BILL, MR.

                    GOODELL.

                                 MR. GOODELL:  THANK YOU, SIR.  THIS BILL WOULD

                    AMEND THE UNIFORM CITY COURT ACT AND THE UNIFORM DISTRICT COURT

                    ACT, THE UNIFORM JUSTICE COURT ACT, AND THE NEW YORK CITY CIVIL

                    COURT ACT TO GIVE SMALL CLAIMS COURTS JURISDICTION OVER ANY ACTION BY

                    A TENANT TO RECOVER MONEY FROM A LANDLORD EVEN THOUGH THE LANDLORD

                    HAS NO PLACE OF BUSINESS, NO RESIDENCE AND DOES NOT CONDUCT BUSINESS

                    IN THAT PARTICULAR SMALL CLAIMS JURISDICTION.  SO, FOR THOSE WHO AREN'T

                    FAMILIAR WITH SMALL CLAIMS, IT'S A VERY FAST, EASY MECHANISM TO ADDRESS

                    SMALL CLAIMS.  RULES OF EVIDENCE ARE WAIVED.  THE PROCEDURES ARE ALL

                    VERY SIMPLIFIED.  BUT IN ORDER TO BRING AN ACTION IN SMALL CLAIMS, THE

                    DEFENDANT HAS TO HAVE A RESIDENCE IN THE CITY OR A PLACE OF BUSINESS

                    WITHIN THE CITY OR REGULARLY CONDUCT BUSINESS IN THE CITY.  AND THIS BILL

                    WOULD SAY THAT WE WILL IGNORE ALL THOSE JURISDICTIONAL LIMITATIONS AND

                    GIVE A SMALL CLAIMS COURT THE SAME JURISDICTION AS A NEW YORK STATE

                    SUPREME COURT WOULD HAVE, WITHOUT RESTRICTIONS, IF THE APARTMENT

                                         15



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    HAPPENS TO BE WITHIN THE CITY.  AND THAT CREATES A REAL PROBLEM FOR

                    LANDLORDS WHO HAVE MULTIPLE APARTMENTS, WHO MAY HAVE APARTMENTS IN

                    DIFFERENT CITIES OR SNOWBIRDS, FOR EXAMPLE, THAT MIGHT RENT THEIR HOUSE

                    WHILE THEY GO TO FLORIDA IN THE SUMMER.  ALL OF A SUDDEN THEY'RE LIABLE

                    FOR A SMALL CLAIMS ACTION EVEN THOUGH THEY'RE NOT EVEN IN THE CITY, NOT

                    EVEN IN THE STATE.  THIS GIVES LONG-ARM JURISDICTION TO THE SMALL CLAIMS

                    COURT.  IT ALSO WOULD VIOLATE ANY VENUE CLAUSE THAT'S IN THE LEASE.  A LOT

                    OF LEASES WILL SAY, YOU KNOW, YOU COULDN'T EVEN BRING THAT ACTION FOR

                    ANY DAMAGES IN THIS JURISDICTION.  THIS SAYS WE DON'T CARE WHAT THE

                    CONTRACT SAYS, WE'RE JUST GOING TO OVERRIDE CONTRACTS BECAUSE WE NOT

                    ONLY DON'T CARE ABOUT WHAT CONTRACTS SAY, BUT APPARENTLY WE DON'T CARE

                    ABOUT THE U.S. CONSTITUTION WHICH LIMITS OUR POWER TO OVERRIDE

                    CONTRACTS.

                                 THERE'S ONE OTHER ASPECT OF THIS BILL THAT IS

                    EXTRAORDINARILY PROBLEMATIC.  AND THAT IS, IT SAYS THAT IF YOU CAN'T SERVE

                    THE LANDLORD DIRECTLY OR BY MAIL, YOU CAN BEGIN THE SMALL CLAIMS ACTION

                    BY SENDING YOUR SMALL CLAIMS NOTICE TO WHERE YOU PAY THE RENT.  EVEN

                    THOUGH THERE'S NO ASSURANCE WHATSOEVER THE LANDLORD WILL EVEN FIND OUT

                    ABOUT THE ACTION.  I HAD SEVERAL LANDLORDS IN MY DISTRICT, AND I'M SURE

                    YOU DO IN YOURS, WHERE THE TENANTS MAKE THE RENT PAYMENT DIRECTLY TO

                    THE BANK OR TO A RENTAL AGENT AND NOT TO THE LANDLORD.  SO IT VIOLATES

                    FUNDAMENTAL DUE PROCESS.  IT GIVES SMALL CLAIMS COURT LONG-ARM

                    JURISDICTION WHICH WAS NEVER INTENDED AND IS FUNDAMENTALLY UNFAIR TO

                    THE PARTIES.

                                 ONE THING I WOULD -- ONE LAST THING I WOULD MENTION,

                                         16



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    WE MADE A NUMBER OF CHANGES TO THE RENTAL LAW INCLUDING THE

                    OBLIGATIONS OF LANDLORDS TO REFUND SECURITY DEPOSITS AND THINGS OF THAT

                    NATURE, RENDERING, I THINK, A LOT OF THIS NO LONGER NECESSARY.  AND THEN

                    FINALLY, WE'VE JUST FINISHED OVER A YEAR OF SAYING TO LANDLORDS, YOU

                    CAN'T COLLECT ANY RENT.  YOU CAN'T GET ACCESS TO THE COURTS.  AND SO AT A

                    TIME WHEN OUR LANDLORDS ARE STRUGGLING JUST TO PAY THEIR OWN MORTGAGE

                    AND PAY THE TAXES THAT ARE OUTSTANDING ON ALL THEIR APARTMENTS WITHOUT

                    ANY ABILITY TO COLLECT, WE TURN AROUND AND CONSIDER THIS LEGISLATION TO

                    MAKE IT EVEN MORE UNFAIR.  AND FOR THAT REASON I AND MANY OF MY

                    COLLEAGUES WILL BE OPPOSED TO IT.

                                 THANK YOU, SIR.

                                 ACTING SPEAKER FALL:  MR. GOTTFRIED.

                                 MR. GOTTFRIED:  YES.  MR. SPEAKER, PEOPLE MIGHT

                    GET THE IMPRESSION THAT THIS BILL SOMEHOW SAYS THAT A LANDLORD THAT HAS

                    ABSOLUTELY NO CONNECTION TO THE JURISDICTION CAN BE SUED IN SMALL

                    CLAIMS COURT OR THAT SOMEHOW SMALL CLAIMS COURT WOULD NOW HAVE

                    THE JURISDICTION THAT THE STATE SUPREME COURT WOULD HAVE.  FORTUNATELY,

                    NEITHER OF THOSE THINGS BEARS ANY RELATION TO THE BILL.  YOU KNOW, YOU

                    CAN SUE SOMEONE IN SMALL CLAIMS COURT IF THEY HAVE A PLACE OF

                    BUSINESS IN THE JURISDICTION OF THE COURT.  SOME PEOPLE MIGHT THINK THAT

                    HAVING RENTAL PROPERTY IN THE DISTRICT WHERE YOU -- WHERE YOU HAVE

                    TENANTS, WHERE YOU COLLECT RENT, ET CETERA, MIGHT BE THOUGHT OF AS

                    HAVING A PLACE OF BUSINESS IN THE DISTRICT EXCEPT THE COURTS HAVE SAID

                    NO, IT DOESN'T APPLY.  AND SO TENANTS WHO OFTEN -- THEIR LANDLORD -- LIKE

                    IF YOU'RE IN NEW YORK CITY THE LANDLORD MIGHT LIVE AND HAVE -- HAVE ITS

                                         17



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    OFFICE IN WESTCHESTER.  WELL, CAN'T USE THE SMALL CLAIMS COURT.  AND

                    YET SMALL CLAIMS COURT IS OFTEN A VERY USEFUL AND EASY TO USE AND

                    INEXPENSIVE WAY FOR A TENANT TO DEAL WITH A PROBLEM IN THE PROPERTY.

                    AND LET ME POINT OUT THAT NOT ONLY DOES THE PROPERTY HAVE TO BE LOCATED

                    IN THE JURISDICTION, BUT THE CLAIM HAS TO BE DIRECTLY RELATED TO THE

                    PROPERTY.  SO IF YOU HAVE SOME OTHER CLAIM AGAINST YOUR LANDLORD, THIS

                    BILL WON'T APPLY.  BUT IF YOU'VE BEEN DAMAGED BY SOME PROBLEM WITH

                    THE PROPERTY, THEN YOU WOULD BE ABLE TO SUE WHERE IT MAKES SENSE TO

                    SUE IN THE LOCAL SMALL CLAIMS COURT.  AND, YOU KNOW, SOMETIMES WE

                    HAVE TO PICK WHOSE SIDE WE'RE ON.  AND IT SEEMS TO ME IF -- IF YOU THINK

                    THIS BILL CONSTITUTES TAKING SIDES, TAKING THE SIDE OF A TENANT WHO ALMOST

                    ALWAYS HAS MUCH LESS IN THE WAY OF FINANCIAL AND LEGAL RESOURCES THAN

                    THE LANDLORD, AND WHO IS UNFORTUNATELY OFTEN THE VICTIM OF LANDLORD

                    NEGLECT OR MISCONDUCT, MAKING IT A LITTLE EASIER FOR THE TENANT TO GET

                    THEIR -- TO GET THEIR DAY IN COURT, TO ME, IS THE RIGHT THING TO DO.

                                 SO I HOPE WE WILL PASS THIS BILL TODAY.

                                 ACTING SPEAKER FALL:  READ THE LAST SECTION.

                                 THE CLERK:  THIS ACT SHALL TAKE EFFECT SEPTEMBER

                    1ST.

                                 ACTING SPEAKER FALL:  THE CLERK WILL RECORD

                    THE VOTE.  THIS IS PARTY -- ON CALENDAR NO. 61, A.297.  THIS IS A PARTY

                    VOTE.  ANY MEMBER WHO WISHES TO BE RECORDED AS AN EXCEPTION TO THEIR

                    CONFERENCE POSITION IS REMINDED TO CONTACT THE MAJORITY OR MINORITY

                    LEADER AT THE NUMBERS PREVIOUSLY PROVIDED.

                                 MR. GOODELL.

                                         18



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 MR. GOODELL:  THANK YOU, MR. SPEAKER.  THE

                    REPUBLICAN CONFERENCE IS GENERALLY OPPOSED TO THIS LEGISLATION.  FOR

                    THOSE WHO WOULD LIKE TO VOTE IN FAVOR SHOULD CAN CONTACT THE MINORITY

                    LEADER'S OFFICE.  THANK YOU, SIR.

                                 ACTING SPEAKER FALL:  MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES.  THANK YOU, MR.

                    SPEAKER.  COLLEAGUES ARE -- GENERALLY, THE MAJORITY VOTE IS VOTING IN THE

                    AFFIRMATIVE FOR THIS ONE.  THOSE DESIRING TO BE AN EXCEPTION SHOULD FEEL

                    FREE TO CONTACT THE MAJORITY LEADER'S OFFICE AND WE WILL PROPERLY

                    RECORD YOUR VOTE.  THANK YOU, MR. SPEAKER.

                                 (THE CLERK RECORDED THE VOTE.)

                                 ACTING SPEAKER FALL:  MR. STECK TO EXPLAIN HIS

                    VOTE.

                                 MR. STECK:  VERY BRIEFLY.  I JUST WANT TO REMIND MY

                    COLLEAGUES THAT THERE'S NO CONSTITUTIONAL BAR TO THE REGULATION OF

                    CONTRACTS.  THE REFERENCE TO THE CONSTITUTIONAL PROVISION IN THE UNITED

                    STATES CONSTITUTION IS THE SO-CALLED IMPAIRMENT OF THE OBLIGATION OF

                    CONTRACTS WHICH PREVENTS GOVERNMENT FROM ENTERING INTO A CONTRACT

                    WITH A PRIVATE PARTY AND THEN, SAY, BY LEGISLATIVE ACTION ABROGATING THAT

                    CONTRACT.  THAT IS UNCONSTITUTIONAL.  BUT THERE IS NOTHING IN THE UNITED

                    STATES CONSTITUTIONAL -- IN THE UNITED STATES CONSTITUTION THAT PREVENTS

                    REGULATION OF PRIVATE CONTRACTS.  THERE WAS A PERIOD IN OUR HISTORY, VERY

                    UNFORTUNATE, WHERE THE SO-CALLED FOUR HORSEMEN OF THE SUPREME COURT

                    INVENTED A CONCEPT CALLED FREEDOM OF CONTRACT, WHICH IS NOWHERE

                    FOUND IN THE CONSTITUTION, AND USED IT TO INVALIDATE THINGS LIKE A

                                         19



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    PROHIBITION ON CHILD LABOR WHICH WAS BEING PASSED BY THE ROOSEVELT

                    ADMINISTRATION AND OTHER SIMILAR LAWS.  FORTUNATELY, WE MOVED PAST

                    THAT TYPE OF JURISPRUDENCE, AND I JUST WANT TO REMIND MY COLLEAGUES

                    THAT THERE'S NOTHING IN THE UNITED STATES CONSTITUTION THAT PROHIBITS IN

                    ANY WAY LEGISLATION OF THIS NATURE.

                                 AND WITH THAT I VOTE IN THE AFFIRMATIVE.

                                 ACTING SPEAKER FALL:  MR. STECK IN THE

                    AFFIRMATIVE.

                                 MS. GALLAGHER TO EXPLAIN HER VOTE.

                                 MS. GALLAGHER:  HI.  TO EXPLAIN MY VOTE.  I AM

                    VERY EAGER TO SUPPORT THIS BILL.  I AM A COSPONSOR OF THIS BILL.  I THINK

                    THAT SMALL CLAIMS COURT IS AN IMPORTANT SAFETY NET FOR CONTRACTS THAT

                    HAVE BEEN BROKEN OR HAVE BEEN UNFAITHFULLY PURSUED, AND IT IS REALLY

                    IMPORTANT THAT ALL TENANTS ARE ABLE TO USE SMALL CLAIMS COURT

                    REGARDLESS OF WHERE THEIR LANDLORD IS RESIDING AT THE TIME OR WHERE THE

                    FOCUS OF THE BUSINESS IS.  AND THIS IS GOING TO TAKE AN IMPORTANT STEP.

                    AND IT IS NOT MAKING AN ASSUMPTION THAT ALL LANDLORDS ARE GOING TO BE

                    TAKEN TO SMALL CLAIMS COURT.  HOPEFULLY THIS WILL BE INCENTIVE TO

                    FOLLOW THE RULES OF THE LEASE AND TO FOLLOW THE RULES OF OUR -- OUR RENT

                    LAWS AND TO ACTUALLY PROVIDE TENANTS WITH THE -- THE SAFETY DEPOSITS AND

                    OTHER -- OTHER SERVICES THAT -- THAT THEY'RE REQUIRED TO GIVE AS LANDLORDS.

                                 SO I'M VERY EAGER FOR THIS BILL TO GO INTO EFFECT, AND I

                    THANK THE SPONSOR FOR BRINGING IT FORWARD.

                                 ACTING SPEAKER FALL:  MS. GALLAGHER IN THE

                    AFFIRMATIVE.

                                         20



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 ARE THERE ANY OTHER VOTES?  ANNOUNCE THE RESULTS.

                                 (THE CLERK ANNOUNCED THE RESULTS.)

                                 THE BILL IS PASSED.

                                 THE CLERK:  ASSEMBLY BILL NO. A03298, CALENDAR

                    NO. 110, EPSTEIN, SEAWRIGHT, SAYEGH, MCDONOUGH, ASHBY, GOTTFRIED,

                    L. ROSENTHAL, MCDONALD, SILLITTI, BARRON, DURSO, ZINERMAN.  AN ACT TO

                    AMEND THE PUBLIC HEALTH LAW, IN RELATION TO INFORMATION PROVIDED TO

                    PATIENTS REGARDING SUDDEN UNEXPECTED DEATH IN EPILEPSY.

                                 ACTING SPEAKER FALL:  AN EXPLANATION IS

                    REQUESTED, MR. EPSTEIN.

                                 MR. EPSTEIN:  THANK YOU, MR. SPEAKER.  THIS BILL

                    WOULD REQUIRE HEALTHCARE PRACTITIONERS TO PROVIDE PATIENTS WITH

                    EPILEPSY AND THEIR FAMILIES CURRENT EVIDENCE-BASED INFORMATION ABOUT

                    SUDDEN UNEXPECTED DEATH IN EPILEPSY, OR CALLED SUDEP, THE RISK

                    FACTOR AND CONDITIONS AS WELL AS OTHER NON-PROFIT ORGANIZATIONS THAT

                    COULD PROVIDE SUPPORT TO PEOPLE WITH EPILEPSY.

                                 ACTING SPEAKER AUBRY:  MS. WALSH.

                                 MS. WALSH:  THANK YOU, MR. SPEAKER.  WILL THE

                    SPONSOR YIELD FOR A FEW QUESTIONS?

                                 ACTING SPEAKER AUBRY:  WILL YOU YIELD --

                                 MR. EPSTEIN:  HAPPY TO YIELD.

                                 ACTING SPEAKER AUBRY:  -- MR. EPSTEIN?

                                 MR. EPSTEIN:  HAPPY TO YIELD.

                                 MS. WALSH:  THANK YOU VERY MUCH.

                                 ACTING SPEAKER AUBRY:  MR. EPSTEIN YIELDS.

                                         21



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 MS. WALSH:  SO, JUST A COUPLE OF QUESTIONS ABOUT

                    THIS.  SO EXACT -- UNDER THIS BILL, EXACTLY WHAT KIND OF PRACTITIONERS

                    MUST PROVIDE THIS NOTICE ABOUT SUDEP, THE SUDDEN UNEXPECTED DEATH

                    IN EPILEPSY?

                                 MR. EPSTEIN:  ANY PRACTITIONER WHO HAS A PATIENT

                    WITH EPILEPSY.  SO, A DOCTOR WHO DEALS WITH THEM ON A REGULAR BASIS IS A

                    PRIME EXAMPLE.

                                 MS. WALSH:  ALL RIGHT.  SO IF YOU ARE, FOR EXAMPLE,

                    A PEDIATRICIAN BUT YOU DON'T HAVE ANY CHILDREN WITH EPILEPSY IN YOUR

                    PRACTICE, YOU'RE NOT REQUIRED TO PROVIDE THIS INFORMATION, FOR EXAMPLE.

                    CORRECT?

                                 MR. EPSTEIN:  THIS IS FOR PATIENTS WHO HAVE

                    EPILEPSY, AND SO IT'S IMPORTANT INFORMATION FOR THE FAMILY IF THEY ARE

                    YOUNG PEOPLE OR FOR THEMSELVES IF THEY'RE ADULTS TO HAVE INFORMATION

                    ABOUT SUDEP.  SO, IF THE PEDIATRICIAN HAS NO PATIENTS WITH EPILEPSY,

                    THEY'RE NOT PROVIDING IT GENERALLY TO THE PUBLIC, JUST THE FAMILIES WITH

                    EPILEPSY.

                                 MS. WALSH:  VERY GOOD.  YEAH, I THINK THAT'S AN

                    IMPORTANT POINT TO MAKE AS FAR AS WHAT IT'S LIMITED TO.  WHAT HAPPENS IF

                    A PRACTITIONER FAILS TO PROVIDE THIS INFORMATION TO AN EXISTING PATIENT

                    WITH EPILEPSY?  WHAT ARE THE POTENTIAL CONSEQUENCES TO THAT PHYSICIAN

                    OR THAT PRACTICE?

                                 MR. EPSTEIN:  MORE MY CONCERN WOULD BE THE

                    POTENTIAL CONFLICT TO THE FAMILY BECAUSE, AS YOU KNOW, 190,000 PEOPLE

                    WITH EPILEPSY LIVE IN NEW YORK STATE.  UNFORTUNATELY, WE'VE HAD TOO

                                         22



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    MANY DEATHS FROM SUDEP IN NEW YORK.  AND THEIR OBLIGATION IS LIKE

                    ANY OTHER OBLIGATION UNDER LAW, TO ENSURE THAT THEY PROVIDE ADEQUATE

                    MEDICAL INFORMATION.  WHETHER THEY'RE -- SOME DETERMINING BODY WILL

                    DETERMINE IF THEY FAIL TO LIVE UP TO THEIR HIPPOCRATIC OATH IS NOT FOR OUR

                    DECISION, BUT IT'S THEIR OBLIGATION AS A PRACTITIONER TO PROVIDE THAT

                    INFORMATION.

                                 MS. WALSH:  OKAY.  SO AS FAR AS A SPECIFIC

                    DISCIPLINARY CONSEQUENCE, LOSS OF LICENSE OR A FINE, THERE'S NOTHING IN

                    THIS BILL THAT SPEAKS TO THAT DIRECTLY, CORRECT?

                                 MR. EPSTEIN:  THAT IS CORRECT.

                                 MS. WALSH:  OKAY.  BECAUSE THE -- THE MEDICAL

                    SOCIETY OF THE STATE OF NEW YORK HAS INDICATED OPPOSITION TO THIS BILL.

                    BASICALLY, WHAT THEY'RE SAYING IS THAT THE MEASURE PUTS A PHYSICIAN'S

                    LICENSE AT RISK FOR FAILING TO GIVE A FORM TO A PATIENT.  SO WHAT -- WHAT IS

                    YOUR RESPONSE TO THAT?

                                 MR. EPSTEIN:  MY RESPONSE WOULD BE THERE ARE

                    190,000 PEOPLE IN NEW YORK STATE WHO HAVE EPILEPSY.  POTENTIALLY,

                    THOUSANDS ARE DYING FROM SUDEP EVERY YEAR.  I HAVE A CONSTITUENT

                    WHOSE DAUGHTER PASSED AWAY FROM THIS, AND IF THAT PHYSICIAN HAD

                    PROVIDED INFORMATION THAT PERSON MIGHT BE ALIVE TODAY.  SO I

                    UNDERSTAND THE PHYSICIANS' CONCERN THAT THEY MAY BE SET AT RISK FOR NOT

                    PROVIDING THE INFORMATION, BUT THE ONLY PERSON WHO HAS THE

                    INFORMATION IS THE PHYSICIAN.  THEY ARE THE ONES WITH ALL THE

                    INFORMATION IN THEIR HOLDING, AND IT'S THEIR OBLIGATION TO SHARE IT LIKE

                    THEY WOULD WITH ANY OTHER PATIENT ON ANY OTHER HEALTH ISSUE, AND IT

                                         23



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    GIVES PEOPLE INFORMATION SO THEY CAN PROTECT THEMSELVES AND THEIR

                    LOVED ONES FROM SUDDEN DEATH.  DO I THINK THAT A PHYSICIAN WILL HAVE

                    THEIR LICENSE REMOVED FROM THIS?  I HAVE NO IDEA.  BUT IT DEPENDS ON

                    HOW EGREGIOUS THE BEHAVIOR IS, LIKE ANY ACTION THAT A PHYSICIAN MIGHT

                    ENGAGE IN.

                                 MS. WALSH:  VERY GOOD.  THANK YOU SO MUCH.

                                 MR. SPEAKER, ON THE BILL.

                                 ACTING SPEAKER AUBRY:  ON THE BILL, MS.

                    WALSH.

                                 MS. WALSH:  SO, I -- I ACTUALLY WANT TO THANK THE

                    SPONSOR FOR BRINGING THIS FORWARD.  I -- I THINK THAT THIS IS AN IMPORTANT

                    -- IT'S IMPORTANT FOR PHYSICIANS WHO ARE WORKING WITH PATIENTS WHO

                    HAVE EPILEPSY TO PROVIDE INFORMATION ACROSS THE -- THE BOARD.  EVEN

                    THOUGH SUDEP IS REALLY PRETTY UNCOMMON, THANK GOD, IT'S 1 IN 1,000

                    PATIENTS WITH EPILEPSY DIE EACH YEAR FROM IT.  IT'S SUDDEN UNEXPLAINED

                    DEATH IN EPILEPSY, AND IT -- IT'S THOUGHT TO OCCUR DURING OR FOLLOWING A

                    SEIZURE.  SO IT'S IMPORTANT TO LET PATIENTS WITH EPILEPSY KNOW THAT IF

                    THEY -- IF THEIR SEIZURES ARE UNCONTROLLED OR POORLY CONTROLLED THEY'RE AT

                    AN INCREASED RISK FOR THIS SUDDEN DEATH.  AND IT'S IMPORTANT TO REDUCE

                    THE RISK BY TAKING YOUR MEDICATIONS AS PRESCRIBED AND TAKING THEM

                    CONSISTENTLY, KEEPING A DIARY OF WHEN YOUR SEIZURES HAPPEN SO THAT YOU

                    CAN SHOW A PATTERN OF WHEN THEY HAPPEN.  AND GETTING ADEQUATE SLEEP

                    AND INSTALLING ALARMS IF YOU DO HAVE PROBLEMS WITH SLEEP.  THESE ARE

                    ALL THINGS THAT THE PATIENTS NEED TO BE AWARE OF AND MAKE -- HAVE A

                    GOOD CONVERSATION WITH THEIR -- WITH THEIR DOCTORS ABOUT IT.  I'M SURE

                                         24



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    THAT THE VAST, VAST MAJORITY OF -- OF PHYSICIANS THAT ARE ALREADY

                    PROVIDING CARE TO PATIENTS WITH EPILEPSY DO TALK TO THEIR PATIENTS ABOUT

                    THIS, AND A PAMPHLET IS NOT A CURE-ALL IN ANY -- IN ANY RESPECT.  BUT I DO

                    THINK THAT IT IS A STEP TOWARDS MAKING SURE THAT THIS INFORMATION IS OUT

                    THERE BECAUSE, YOU KNOW, ONE -- AS -- AS THE SPONSOR POINTED OUT, IF -- IF

                    A PAMPHLET AND THIS KIND OF CONVERSATION STARTER WITH A PHYSICIAN

                    WOULD SAVE ONE LIFE, IT -- IT IS -- IT'S AN IMPORTANT THING TO DO.  SO I

                    WOULD ALSO JUST NOTE THAT MARCH 26TH, TOMORROW, IS WORLDWIDE

                    AWARENESS ABOUT EPILEPSY DAY, SO WE SHOULD ALL WEAR PURPLE.  AND I

                    WANT TO JUST COMMEND THE EPILEPSY SOCIETY OF NORTHEASTERN NEW YORK

                    AND JEANNINE GARAB AND THE WONDERFUL PEOPLE THAT WORK THERE FOR ALL

                    THE WORK THAT THEY DO EDUCATING PEOPLE ABOUT EPILEPSY, GOING INTO THE

                    SCHOOLS.  JUST ALL THE GREAT WORK THAT THEY DO AND THAT'S BEING DONE

                    THROUGHOUT OUR STATE TO JUST MAKE SURE THAT PEOPLE WITH EPILEPSY GET

                    THE ABSOLUTE BEST EDUCATION AND TREATMENT THAT'S AVAILABLE.

                                 SO AS YOU CAN PROBABLY TELL, I WILL BE SUPPORTING THIS

                    BILL AND I -- I DO ENCOURAGE MY COLLEAGUES TO DO THE SAME.  THANK YOU.

                                 ACTING SPEAKER AUBRY:  READ THE LAST SECTION.

                                 THE CLERK:  THIS ACT SHALL TAKE EFFECT ON THE 90TH

                    DAY.

                                 ACTING SPEAKER AUBRY:  THE CLERK WILL

                    RECORD THE VOTE ON ASSEMBLY PRINT 3298.  THIS IS A FAST ROLL CALL.  ANY

                    MEMBER WHO WISHES TO BE RECORDED IN THE NEGATIVE IS REMINDED TO

                    CONTACT THE MAJORITY OR MINORITY LEADER AT THE NUMBERS PREVIOUSLY

                    PROVIDED.

                                         25



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 (THE CLERK RECORDED THE VOTE.)

                                 MR. EPSTEIN TO EXPLAIN HIS VOTE.

                                 MR. EPSTEIN:  THANK YOU, MR. SPEAKER.  I RISE TO

                    EXPLAIN MY VOTE.  I JUST WANT TO THANK TIM AND ALEXIS GEMBKA.  THEIR

                    DAUGHTER, UNFORTUNATELY, NATASHA, DIED FROM SUDEP.  AND NATASHA

                    WAS A REALLY ACTIVE YOUNG PERSON, YOU KNOW, IN MY DISTRICT.  SHE LOVED

                    GOING TO THE PARK AND HANGING OUT WITH FRIENDS.  SHE HAD EPILEPSY AND

                    WASN'T MADE AWARE OF SUDEP FROM HER PHYSICIAN, AND UNFORTUNATELY,

                    SHE WAS TAKEN FROM US WAY TOO EARLY.  HER PARENTS WERE NOT AWARE OF

                    SUDEP AND ONLY BECAME MORE AWARE OF SUDEP AFTER HER DEATH.  THIS

                    IS AN OPPORTUNITY THAT WE HAVE TO DO SOMETHING VERY EASY, TO REQUIRE

                    DOCTORS TO GIVE OUT INFORMATION THAT IS THE BEST INFORMATION THAT A

                    TECHNICIAN OF HEALTH WILL HELP THEM PROVIDE.  WE CAN THEN SHARE THAT

                    WITH PEOPLE SO THEY CAN DO THINGS TO PROTECT THEIR LOVED ONES FROM

                    DYING.  THIS IS A LOSS FOR THEIR FAMILY, BUT HOPEFULLY WITH THIS

                    INFORMATION REQUIREMENT TO THE 190,000 PEOPLE WITH EPILEPSY WE WILL

                    LOSE LESS NEW YORKERS.

                                 I WANT TO THANK THE FAMILY AND I HOPE TO ENCOURAGE

                    MY COLLEAGUES TO VOTE IN FAVOR OF THIS BILL.  I KNOW I WILL BE.  THANK

                    YOU.

                                 ACTING SPEAKER AUBRY:  MR. EPSTEIN IN THE

                    AFFIRMATIVE.

                                 ARE THERE ANY OTHER VOTES?  ANNOUNCE THE RESULTS.

                                 (THE CLERK ANNOUNCED THE RESULTS.)

                                 THE BILL IS PASSED.

                                         26



                    NYS ASSEMBLY                                                    MARCH 25, 2021


                                 THE CLERK:  SENATE NO. S01465, CALENDAR NO.

                    163, SENATOR BRESLIN (A01073, ABINANTI, JEAN-PIERRE).  AN ACT TO

                    AMEND THE BANKING LAW, IN RELATION TO THE ORDER IN WHICH A PAYOR BANK

                    SHALL PAY CHECKS.

                                 ACTING SPEAKER AUBRY:  AN EXPLANATION IS

                    REQUESTED, MR. ABINANTI.

                                 MR. ABINANTI:  THANK YOU, MR. SPEAKER.  THIS BILL

                    DOES TWO THINGS:  FIRST OF ALL, IT REQUIRES BANKS TO PAY CHECKS ON

                    CONSUMER CHECKING ACCOUNTS IN THE ORDER IN WHICH THEY'RE RECEIVED OR

                    FROM THE SMALLEST AMOUNT TO THE LARGEST AMOUNT IF SEVERAL CHECKS ARRIVE

                    AT THE SAME TIME.  SECONDLY, IT REQUIRES THAT BANKS HONOR A SUBSEQUENT

                    CHECK AFTER THE FIRST CHECK HAS BOUNCED IF THERE IS SUFFICIENT MONEY IN

                    THE ACCOUNT TO DO SO.  BASICALLY, THIS SETS UP A UNIFORM POLICY AMONG

                    STATE BANKS THAT HAVE CONSUMER CHECKING ACCOUNTS SO THAT CONSUMERS

                    KNOW WHAT TO EXPECT IN CASE THEY OVERDRAFT THEIR ACCOUNTS.

                                 ACTING SPEAKER AUBRY:  MR. GOODELL.

                                 MR. GOODELL:  THANK YOU, SIR.

                                 ON THE BILL.

                                 ACTING SPEAKER AUBRY:  ON THE BILL, MR.

                    GOODELL.

                                 MR. GOODELL:  THANK YOU, SIR.  AND THANK YOU TO

                    MY COLLEAGUE FOR THAT EXPLANATION.  UNDER CURRENT LAW, CONSUMERS AND

                    BANKS, STATE-CHARTERED BANKS, HAVE SEVERAL DIFFERENT OPTIONS:  THEY CAN

                    PAY THE LARGEST CHECKS FIRST.  THEY CAN PAY THE SMALLEST CHECKS FIRST.

                    THEY CAN MAKE PAYMENTS BASED ON THE CHECK NUMBER, PAYING THE

                                         27



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    LOWEST CHECK NUMBER FIRST BEFORE THEY PAY A HIGHER CHECK NUMBER.  OR

                    THE LAST OPTION, THE FOURTH OPTION, IS THEY CAN PAY THE CHECKS IN THE

                    ORDER RECEIVED.  UNDER CURRENT LAW, WHICH OPTION THE BANK USES IS A

                    MATTER OF DISCUSSION BETWEEN THE BANK CUSTOMER AND THE BANK.  AND

                    PARTICULARLY FOR COMMERCIAL CUSTOMERS, WHICH PROCESS IS OFTEN

                    NEGOTIATED.  SO THIS BILL ELIMINATES ALL CUSTOMER CHOICE AND SAYS INSTEAD

                    THAT THOSE OF US IN THIS ROOM OR ON ZOOM KNOW MORE ABOUT WHAT'S BEST

                    FOR EVERY SINGLE BANKING CUSTOMER FOR A STATE-CHARTERED BANK, AND

                    WE'RE GOING TO HAVE YOUR CHECKS PROCESSED IN A CERTAIN WAY REGARDLESS

                    OF HOW YOU WANT TO CHOOSE IT YOURSELF.  SO THIS BANK -- THIS SUB BILL

                    SAYS FIRST COME, FIRST SERVED.  SO IF YOU HAPPEN TO GIVE A CHECK TO

                    SOMEONE WHO'S CLOSE TO THE BANK AND THEY RUN IT OVER TO THE BANK THEY

                    WOULD GET A PREFERENCE, REGARDLESS OF WHAT YOUR PREFERENCE AS THE

                    CUSTOMER MIGHT -- MIGHT HAVE BEEN.  IT SAYS YOU PAY THE SMALLEST ONES

                    FIRST, REGARDLESS OF YOUR PREFERENCE.  NOW, WHY WOULD YOU MIGHT WANT

                    TO HAVE THE LARGE ONE PAID FIRST?  BECAUSE THE LARGE ONES ARE USUALLY THE

                    MOST IMPORTANT ONES FOR YOU TO PAY.  THIS SAYS THAT IF A LARGER CHECK

                    BOUNCES WE'LL PAY ALL THE SMALL ONES AND CLEAN OUT YOUR ACCOUNT.  THAT

                    MAY BE EXACTLY THE OPPOSITE OF WHAT A CONSUMER WANTS.  BECAUSE THE

                    LARGEST CHECK MIGHT BE FOR THEIR RESIDENCE, FOR THEIR MORTGAGE OR THEIR

                    CAR PAYMENT.  AND THEY MIGHT PREFER TO BOUNCE A SMALL CHECK AND JUST

                    KNOW THAT, OH, MY -- MY BIG CHECK DIDN'T CLEAR, BUT I JUST NEED TO BRING

                    IN, YOU KNOW, ANOTHER 20 OR 30 BUCKS AND I CAN MAKE SURE MY HOUSE

                    PAYMENT IS MADE OR MY CAR PAYMENT IS MADE.  BUT UNDER THIS BILL, THAT

                    OPTION TO THE CONSUMER IS ELIMINATED AND THE BANK IS PROCESSING ALL OF

                                         28



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    THOSE SMALLER CHECKS AND CLEARING OUT THEIR ACCOUNT.  IT'S IMPORTANT TO

                    NOTE THAT IN ADDITION TO ELIMINATING CONSUMER CHOICE, THIS BILL ONLY

                    APPLIES TO STATE-CHARTERED BANKS.  NOW, YOU MAY NOT KNOW THE

                    DIFFERENCE BUT I CAN HELP YOU OUT A LITTLE BIT.  YOUR BIGGEST BANKS, LIKE

                    M&T, KEY BANK, HSBC, MOST OF YOUR BIGGEST BANKS ARE NOT

                    STATE-CHARTERED BANKS, THEY'RE FEDERALLY-CHARTERED.  IF THEY HAVE AN NA

                    AFTER THEIR NAME, THAT MEANS NATIONAL ASSOCIATION, FEDERALLY-CHARTERED.

                    SO WE CREATE AN UNLEVEL PLAYING FIELD.  WE SAY TO STATE-CHARTERED

                    BANKS, YOUR CUSTOMERS HAVE NO CHOICE.  AND IF YOU'RE A CUSTOMER THAT

                    WANTS CHOICE, YOUR ONLY CHOICE IS TO GO TO A FEDERALLY-CHARTERED BANK.

                    LET'S LET OUR CUSTOMERS HAVE AS MANY OPTIONS AS THEY WANT.  LET'S

                    RECOGNIZE THAT THEY KNOW BETTER THAN WE DO WHAT THEY NEED.  AND LET'S

                    ALLOW OUR STATE-CHARTERED BANKS TO COMPETE WITH NATIONAL-CHARTERED

                    BANKS ON A LEVEL PLAYING FIELD.

                                 THAT'S WHY I AND MANY OF MY COLLEAGUES WILL BE

                    OPPOSED TO THIS, AS WE HAVE BEEN IN THE PAST.  THANK YOU, SIR.

                                 ACTING SPEAKER AUBRY:  READ THE LAST SECTION.

                                 THE CLERK:  THIS ACT SHALL TAKE EFFECT JANUARY 1ST.

                                 ACTING SPEAKER AUBRY:  THE CLERK WILL

                    RECORD THE VOTE ON SENATE PRINT 1465.  THIS IS A PARTY VOTE.  ANY

                    MEMBER WHO WISHES TO BE RECORDED AS AN EXCEPTION TO THEIR

                    CONFERENCE POSITION IS REMINDED TO CONTACT THE MAJORITY OR MINORITY

                    LEADER AT THE NUMBER PREVIOUSLY PROVIDED.

                                 MR. GOODELL.

                                 MR. GOODELL:  THANK YOU, SIR.  THE REPUBLICAN

                                         29



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    CONFERENCE IS GENERALLY OPPOSED TO THIS LEGISLATION.  IF THERE ARE

                    MEMBERS THAT SUPPORT IT, THEY SHOULD CALL THE MINORITY LEADER'S OFFICE

                    SO THAT WE CAN RECORD THEIR VOTE.  THANK YOU, SIR.

                                 ACTING SPEAKER AUBRY:  THANK YOU.  SO

                    NOTED.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  THANK YOU, MR.

                    SPEAKER.  THE MAJORITY CONFERENCE IS GENERALLY GOING TO BE VOTING IN

                    THE AFFIRMATIVE ON THIS ONE.  COLLEAGUES DECIDING TO BE AN EXCEPTION

                    SHOULD CONTACT THE MAJORITY LEADER'S OFFICE AND YOUR VOTE WILL BE SO

                    RECORDED.

                                 ACTING SPEAKER AUBRY:  THANK YOU, MRS.

                    PEOPLES-STOKES.  SO NOTED.

                                 (THE CLERK RECORDED THE VOTE.)

                                 MR. ABINANTI TO EXPLAIN HIS VOTE.

                                 MR. ABINANTI:  THANK YOU.  THANK YOU, MR.

                    SPEAKER.  THIS BILL DOES SEVERAL IMPORTANT THINGS.  THE MOST IMPORTANT

                    ASPECT OF IT IS THAT IT SETS UP A UNIFORM POLICY AMONG STATE BANKS AS TO

                    HOW CHECKS ARE GOING TO BE CLEARED.  SECONDLY, IT REQUIRES THAT THE

                    SUPERINTENDENT OF FINANCIAL SERVICES SET UP REGULATIONS.  AND LASTLY, IT

                    REQUIRES THAT CONSUMERS BE NOTIFIED IN WRITING OF THE POLICY OF THE BANK

                    ON CLEARING CHECKS.  NOW WITH RESPECT TO CLEARING CHECKS, WHAT IT SAYS

                    IS, THAT THERE HAS TO BE A STANDARD POLICY, WHICH IS ALREADY QUITE

                    COMMON AMONG FEDERAL AND STATE BANKS.  AND IT LIMITS THE BANK'S

                    OPTIONS FOR THE BENEFIT OF THE CONSUMER.  WHAT IT REQUIRES IS THAT THE

                                         30



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    BANKS PAY CHECKS IN THE ORDER RECEIVED OR FROM THE SMALLEST TO THE

                    LARGEST ON A DAY'S TRANSACTIONS.  THE REASON FOR THAT IS WE ARE TRYING TO

                    LIMIT THE NUMBER OF BOUNCED CHECKS.  IF THE BANK TAKES THE LARGEST ONE

                    FIRST AND SEVERAL SMALLER ONES COME IN AND THERE'S NOT ENOUGH TO COVER

                    THE LARGER ONE, THE BANK MAY CHARGE THE CUSTOMER SEVERAL TIMES FOR

                    BOUNCED CHECKS.  THIS BILL REQUIRES THAT IF A CHECK IS BOUNCED AND

                    THERE'S ENOUGH MONEY TO COVER THE ADDITIONAL CHECKS THAT COME IN, THE

                    BANK MUST CLEAR THOSE OTHER ONES AND NOT CHARGE A FEE, A BOUNCED

                    CHECK FEE.  SO THIS IS A -- A PLAN THAT IS SET UP TO HELP CONSUMERS AND

                    LIMIT THE AMOUNT OF BOUNCED CHECKS THAT THEY MAY HAVE AND THE

                    BOUNCED CHECKS FEES.

                                 NOW, WE'VE HEARD THE CONCERN THAT THIS WILL PREVENT

                    COMMERCIAL CUSTOMERS FROM DETERMINING -- NEGOTIATING WITH THE BANK.

                    WELL, FIRST OF ALL, AS WE KNOW, WHEN YOU WALK INTO THE BANK, THE BANK

                    HANDS YOU A PREPRINTED FORM.  AND ANY COMMERCIAL CUSTOMER THAT'S BIG

                    ENOUGH CAN NEGOTIATE AN OVERDRAFT.

                                 SO, MR. SPEAKER, I URGE MY COLLEAGUES TO VOTE FOR THIS

                    BILL WHICH WE'VE PASSED IN THE PAST.  IT HAS ALREADY PASSED IN THE

                    SENATE.  THANK YOU.

                                 ACTING SPEAKER AUBRY:  THANK YOU.  MR.

                    ABINANTI IN THE AFFIRMATIVE.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  MR. SPEAKER, IF YOU

                    COULD PLEASE RECORD OUR COLLEAGUES MS. WOERNER AND MS. BUTTENSCHON

                    IN THE NEGATIVE ON THIS ONE.

                                         31



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 ACTING SPEAKER AUBRY:  SO NOTED.

                                 ARE THERE ANY OTHER VOTES?  ANNOUNCE THE RESULTS.

                                 (THE CLERK ANNOUNCED THE RESULTS.)

                                 THE BILL IS PASSED.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  THANK YOU, MR.

                    SPEAKER.  DO YOU HAVE ANY FURTHER HOUSEKEEPING OR RESOLUTIONS?

                                 ACTING SPEAKER AUBRY:  WE HAVE NO

                    HOUSEKEEPING, BUT WE DO HAVE RESOLUTIONS.  NO. 133 --

                                 MRS. PEOPLES-STOKES:  AND I BELIEVE WE HAVE

                    THREE COLLEAGUES THAT WOULD LIKE TO SPEAK ON THEM.

                                 ACTING SPEAKER AUBRY:  YES, WE DO.  0133,

                    THE CLERK WILL READ.


                                 THE CLERK:  ASSEMBLY RESOLUTION NO. 133, MS.

                    RAJKUMAR.

                                 LEGISLATIVE RESOLUTION RECOGNIZING MARCH 26, 2021

                    AS BANGLADESH INDEPENDENCE DAY.

                                 ACTING SPEAKER AUBRY:  MS. RAJKUMAR ON THE

                    RESOLUTION.

                                 (PAUSE)

                                 WE'RE HAVING TROUBLE GETTING HER.

                                 MS. REYES ON --

                                 MS. RAJKUMAR:  THANK YOU.

                                 ACTING SPEAKER AUBRY:  -- ON THE RESOLUTION.

                                 NO, MS. RAJKUMAR IS THERE.  HOW ARE YOU?

                                         32



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 MS. RAJKUMAR:  HELLO.  THANK YOU, MR. SPEAKER.

                    I AM PLEASED TO INTRODUCE THIS RESOLUTION RECOGNIZING MARCH 26, 2021

                    AS BANGLADESH INDEPENDENCE DAY.  AS THE FIRST SOUTH ASIAN-AMERICAN

                    WOMAN EVER ELECTED TO THE LEGISLATURE IN OUR GREAT STATE, I INTRODUCE

                    THIS RESOLUTION WITH ENORMOUS PRIDE.  I WISH TO THANK MY COLLEAGUES,

                    KARINES REYES AND ALICIA HYNDMAN WHO CARRIED THE TORCH FOR THIS

                    RESOLUTION BEFORE THERE WERE ANY SOUTH ASIANS YET ELECTED TO THIS BODY.

                    NOW WE ARE HERE.  WE HAVE ARRIVED AT THE TABLE OF GOVERNMENT IN NEW

                    YORK STATE.  BANGLADESHI AMERICANS THEMSELVES FIRST ARRIVED IN THE

                    UNITED STATES IN THE 1880S.  THEN IN THE 1970S THEY STARTED ARRIVING IN

                    LARGE NUMBERS, BECOMING AMONG THE FASTEST-GROWING ETHNIC

                    COMMUNITIES.  I AM PROUD TO REPORT THAT NEW YORK CITY IS HOME TO A

                    REMARKABLE TWO-THIRDS OF THE ENTIRE BANGLADESHI POPULATION IN THE

                    UNITED STATES.  TODAY WE COMMEMORATE THE 50TH ANNIVERSARY OF

                    BANGLADESH'S INDEPENDENCE, THE 50TH GOLDEN JUBILEE.  THIS IS AN

                    OCCASION OF GREAT HISTORIC AS WELL AS EMOTIONAL IMPORTANCE TO

                    BANGLADESHI AMERICANS.  MANY OF THEM HAD TAKEN PART IN BANGLADESH'S

                    HARD-FOUGHT LIBERATION WAR FOR INDEPENDENCE EITHER ON THE BATTLEFIELD OR

                    THROUGH OTHER ACTIVITIES WHILE LIVING IN THE UNITED STATES.  DURING THE

                    BANGLADESH LIBERATION WAR, MANY BANGLADESHI PEOPLE WERE THE

                    VICTIMS OF GENOCIDE.  FIFTY YEARS LATER, THEIR MEMORY STILL INSPIRES THE

                    PEOPLE OF BANGLADESH TO BUILD A PEACEFUL NATION AND BANGLADESHI

                    AMERICANS TO ADVOCATE FOR GLOBAL PEACE.  TODAY THE U.S. DEPARTMENT

                    OF STATE CITES BANGLADESH AS A GLOBAL EXAMPLE OF A DEMOCRATIC,

                    TOLERANT, PLURALISTIC AND MODERN NATION.  LIKE MY OWN PARENTS WHEN

                                         33



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    THEY IMMIGRATED FROM SOUTH ASIA, BANGLADESHI AMERICANS ARE

                    HARDWORKING, WORKING 25 HOURS A DAY TO ACHIEVE THE AMERICAN DREAM

                    FOR THEMSELVES AND THEIR CHILDREN.  BANGLADESHI AMERICANS ARE THRIVING

                    IN THE FIELDS OF MEDICINE, ENGINEERING, BUSINESS, FINANCE AND

                    INFORMATION TECHNOLOGY.  THEY ALSO -- ALSO ARE OUR RIDE-SHARE AND TAXI

                    DRIVERS, CONSTRUCTION WORKERS, SMALL BUSINESS OWNERS AND SERVICE

                    INDUSTRY EMPLOYEES UPON WHICH OUR ECONOMY DEPENDS.  AND MOST OF

                    ALL, THEY ARE PROUD AMERICANS WITH HIGH ASPIRATIONS.  BANGLADESHI

                    AMERICANS IN MY DISTRICT IN SOUTH QUEENS MOVE ME EVERY DAY WITH

                    THEIR SINCERITY AND COMMITMENT TO THE GREATER GOOD.  THIS YEAR,

                    BANGLADESHI LEADERS WERE NOTABLE FOR STEPPING UP DURING THE

                    COVID-19 CRISIS, OFTEN AT GREAT RISK TO THEMSELVES, TO HELP THEIR

                    NEIGHBORS OF ALL BACKGROUNDS.

                                 AS THE FIRST SOUTH ASIAN AMERICAN WOMAN TO JOIN THIS

                    LEGISLATIVE BODY, BUT CERTAINLY NOT THE LAST ONE, I AM SO PROUD TO

                    SPONSOR THIS RESOLUTION COMMEMORATING BANGLADESH INDEPENDENCE

                    DAY.  TODAY THE STATE ASSEMBLY WILL JOIN TENS OF THOUSANDS OF

                    BANGLADESHI AMERICANS IN OUR STATE TO RECOGNIZE MARCH 26, 2021 AS

                    BANGLADESH INDEPENDENCE DAY AND TO COMMEMORATE THE MUJIB YEAR.

                    THANK YOU SO MUCH.

                                 ACTING SPEAKER AUBRY:  THANK YOU SO MUCH.

                                 MS. REYES ON THE RESOLUTION.

                                 MS. REYES:  THANK YOU, MR. SPEAKER.  I WANT TO

                    THANK THE SPONSOR OF THIS LEGISLATION.  AS SHE MENTIONED, I HAVE CARRIED

                    IT FOR THE PAST THREE YEARS.  FOR ME, IT'S AN HONOR TO CARRY -- TO BE A

                                         34



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    SPONSOR OF THIS LEGISLATION.  THE 87TH ASSEMBLY DISTRICT IS ACTUALLY

                    HOME TO THE SECOND-LARGEST CONCENTRATION OF BANGLADESHI AMERICANS,

                    AND THEY ADD SUCH A VIBRANCY TO THE FABRIC OF OUR COMMUNITY.  I AM

                    CALLED KARINA APA IN MY -- IN MY NEIGHBORHOOD AND FOR ME IT'S AN

                    HONOR.  I AM AN ADOPTED DAUGHTER OF THE BANGLADESHI COMMUNITY, AND I

                    AM SO PROUD OF THEIR ACHIEVEMENTS AND THEIR ACCOMPLISHMENTS AND

                    THEIR CONTRIBUTIONS NOT JUST TO THE COMMUNITY THAT WE LIVE IN, BUT TO OUR

                    SOCIETY AND OUR CITY AS A WHOLE.

                                 SO, THANK YOU AGAIN FOR THE -- THE SPONSOR AND HAPPY

                    BANGLADESHI INDEPENDENCE DAY.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MR. WEPRIN.

                                 MR. WEPRIN:  I'M TRYING TO UNMUTE MYSELF.  HOLD

                    ON.

                                 ACTING SPEAKER AUBRY:  YOU ARE UNMUTED,

                    SIR.

                                 MR. WEPRIN:  THANK YOU, MR. SPEAKER.  IT'S A GREAT

                    PLEASURE TO JOIN MY NEIGHBORING COLLEAGUES -- COLLEAGUE JENIFER

                    RAJKUMAR IN SUPPORTING THIS RESOLUTION, AS WELL AS KARINES REYES, A

                    FORMER SPONSOR OF THIS RESOLUTION.  I HAVE ONE OF THE LARGEST

                    BANGLADESHI POPULATIONS IN MY ASSEMBLY DISTRICT, AND IT'S HOME TO THE

                    LARGEST MOSQUE IN NEW YORK CITY, THE JAMAICA MUSLIM CENTER, VERY

                    CLOSE TO WHERE I LIVE.  AND THAT MOSQUE IS -- IS MOSTLY A BANGLADESHI

                    MOSQUE.  AND I'VE BEEN SO PROUD TO WORK WITH THAT MOSQUE AND THE

                    BANGLADESHI COMMUNITY IN QUEENS DURING THIS PANDEMIC WITH

                                         35



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    NUMEROUS FOOD DISTRIBUTIONS AND PPP DRIVES IN -- IN THE DOZENS, AND

                    THEY'VE REALLY STEPPED TO THE FRONT LINES.  AND THEN OF COURSE THEY'RE THE

                    HEART - AS WAS MENTIONED BY THE SPONSOR OF THIS RESOLUTION - THE HEART

                    OF THE SMALL BUSINESS COMMUNITY, THE HEART OF THE MEDICAL COMMUNITY.

                    SO MANY DIFFERENT SUCCESSES IN THE -- IN THE BUSINESS COMMUNITY, AND I

                    AM -- AND THEY WERE ALSO INSTRUMENTAL IN SUPPORTING MY RELIGIOUS GARB

                    BILL BECAUSE THAT OBVIOUSLY WAS AN IMPORTANT BILL TO THE -- TO THE

                    BANGLADESHI AND MUSLIM COMMUNITY.

                                 SO I'M VERY PROUD TO RECOGNIZE THE 50TH ANNIVERSARY

                    OF THEIR INDEPENDENCE.  THEY'VE BEEN WONDERFUL CONSTITUENTS, THEY'RE A

                    WONDERFUL CONSTITUENCY IN NEW YORK CITY, AND I STRONGLY SUPPORT THIS

                    RESOLUTION.  THANK YOU.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  THANK YOU, MR.

                    SPEAKER.  I -- I'D LIKE TO THANK MY COLLEAGUES FOR INTRODUCING THIS -- THIS

                    RESOLUTION WHICH I THINK IS CRITICALLY IMPORTANT NOT JUST TO THE

                    BANGLADESH COMMUNITY, BUT, HONESTLY, MR. SPEAKER, TO OUR -- OUR

                    ENTIRE STATE.  BECAUSE AS MY COLLEAGUES HAVE MENTIONED, THEY HAVE

                    LARGE NUMBERS OF THE BANGLADESH AMERICAN COMMUNITY IN THEIR

                    DISTRICTS.  IN MY DISTRICT THIS IS A COMMUNITY THAT IS GROWING.  AND NOT

                    ONLY ARE THEY GROWING, BUT THEY'RE CONTRIBUTING MEMBERS.  THEY'RE

                    TRANSFORMING COMMUNITIES, THEY'RE OPENING BUSINESS AND THEY'RE VERY

                    MUCH WELCOME.

                                 AND SO IT IS MY PLEASURE TO RISE AND SUPPORT MY

                                         36



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    COLLEAGUES IN THIS RESOLUTION AND TO SUPPORT WITH THE NEW CITIZENS THAT

                    ARE ENTERING MY COMMUNITY WHICH WE ARE PLEASED, VERY PLEASED TO

                    HAVE.  THANK YOU, MR. SPEAKER.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MS. GONZÁLEZ-ROJAS.

                                 MS. GONZÁLEZ-ROJAS:  THANK YOU, MR. SPEAKER.

                    AND I WANT TO THANK THE SPONSOR OF THIS RESOLUTION.  NEW YORK CITY IS

                    THE HOME TO THE LARGEST BANGLADESHI IMMIGRANT POPULATION, AND MY

                    DISTRICT, THE 34TH ASSEMBLY DISTRICT, HAS ONE OF THE MOST VIBRANT

                    BANGLADESHI COMMUNITIES IN THE STATE AND IN THE COUNTRY.  THEY ARE OUR

                    BUSINESS OWNERS, THEY ARE OUR NEIGHBORS, THEY ARE THE CHILDREN IN MY

                    SON'S SCHOOL.  THEY HAVE CONTRIBUTED DEEPLY TO THE FABRIC OF OUR

                    COMMUNITY AND OUR SOCIETY, AND THEY HAVE BEEN ON THE FRONT LINES

                    DURING THIS PANDEMIC IN SERVING THE COMMUNITY, DOING FOOD

                    DISTRIBUTION, HELPING OUT OUR NEIGHBORS.

                                 I AM SO PROUD TO SUPPORT THIS RESOLUTION AND I THANK

                    THE COSPONSORS -- THE SPONSOR AND THE COSPONSORS FOR TAKING THIS

                    FORWARD.  SO, HAPPY BANGLADESHI INDEPENDENCE DAY.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 ON THE RESOLUTION, ALL THOSE IN FAVOR SIGNIFY BY SAYING

                    AYE; OPPOSED, NO.  THE RESOLUTION IS ADOPTED.


                                 THE CLERK:  ASSEMBLY RESOLUTION NO. 134, MS.

                    JOYNER.

                                 LEGISLATIVE RESOLUTION COMMEMORATING THE 110TH

                    ANNIVERSARY OF THE TRIANGLE SHIRTWAIST FACTORY FIRE ON MARCH 25,

                                         37



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    2021.

                                 ACTING SPEAKER AUBRY:  MS. JOYNER ON THE

                    RESOLUTION.

                                 MS. JOYNER:  THANK YOU, MR. SPEAKER, FOR

                    ALLOWING ME TO SPEAK ON THIS VERY IMPORTANT RESOLUTION.  TODAY WE

                    REMEMBER AN EVENT WHICH BECAME A TURNING POINT IN OUR HISTORY THAT

                    LED TO SWEEPING WORKPLACE SAFETY REFORMS IN NEW YORK STATE AND

                    ACROSS THE COUNTRY.  TODAY MARKS THE 110TH ANNIVERSARY OF THE TRAGEDY

                    THAT OCCURRED AT THE TRIANGLE SHIRTWAIST FACTORY IN NEW YORK CITY ON

                    MARCH 25, 1911.  HISTORY HAS IT RECORDED AS BEING THE DEADLIEST

                    INDUSTRIAL FIRES KNOWN TO US DURING THIS LIFETIME.  THIS PREVENTABLE

                    INCIDENT CLAIMED THE LIVES OF 146 GARMENT WORKERS, MOSTLY YOUNG

                    WOMEN AND GIRLS.  FOR YEARS WORKERS AT THE TRIANGLE SHIRTWAIST FACTORY

                    UNSUCCESSFULLY FOUGHT FOR ENHANCED LABOR RIGHTS AND PROTECTIONS.  IN

                    1909, DISCONTENT OVER WORKING CONDITIONS AT THIS LOCATION AND AROUND

                    THE CITY LED TO THOUSANDS OF WORKERS TO GO ON STRIKE IN DEMAND OF SAFER

                    WORKING CONDITIONS AND HIGHER WAGES.  AND JUST ONE DAY BEFORE THE

                    FIRE, THE NEW YORK STATE COURT OF APPEALS STRUCK DOWN A NEW

                    WORKMAN'S [SIC] COMPENSATION LAW AS UNCONSTITUTIONAL.  SADLY, NONE

                    OF THESE IMPORTANT WORKER PROTECTIONS WOULD BE TAKEN SERIOUSLY UNTIL

                    TOO LATE.  THE FIRE THAT BROKE OUT ON SATURDAY AFTERNOON WAS CAUSED BY

                    DANGEROUS AND DEPLORABLE CONDITIONS IN THE FACTORY.  CRAMPED SPACES

                    AT THE SEWING MACHINES, NON-WORKING FIRE EXTINGUISHERS AND ELEVATORS,

                    NARROW FIRE ESCAPES AND EVEN LOCKED DOORS.  IT WAS A COMMON PRACTICE

                    TO LOCK THE STAIRWAYS AND THE EXITS TO PREVENT WORKERS FROM TAKING

                                         38



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    BREAKS WHICH LED TO MANY OF THE WORKERS BEING TRAPPED INSIDE THE

                    BURNING BUILDING.  IN LESS THAN 18 MINUTES THE SMALL FIRE THAT HAD

                    STARTED ON THE EIGHTH FLOOR HAD COMPLETELY ENGULFED THE ENTIRE BUILDING.

                    THE EVENTS OF THAT DAY SHOCKED THE CONSCIENCE OF NEW YORKERS AND

                    HELPED UNITE ORGANIZED LABOR IN A WAY THAT HAS NEVER BEEN SEEN BEFORE.

                    A WEEK AFTER THE FIRE, THE LADIES GARMENT WORKERS UNION SET UP A

                    MARCH WITH OVER 80,000 PROTESTERS DEMANDING HIGHER WAGES, SHORTER

                    WORK HOURS AND OVERTIME PAY.  THEY CALLED FOR INCREASED

                    ACCOUNTABILITY AND BETTER SAFETY CONDITIONS LIKE SPRINKLER SYSTEMS AND

                    ADEQUATE FIRE EXT -- FIRE ESCAPES.  WITH PUBLIC OUTRAGE GROWING, THE

                    NEW YORK STATE LEGISLATURE ESTABLISHED THE FACTORY INVESTIGATING

                    COMMISSION.  THIS BODY HAD THE ABILITY TO INVESTIGATE LABOR CONDITIONS

                    AND SPARKED A MUCH-NEEDED CHANGE FOR ENHANCED WORKPLACE SAFETY

                    REGULATIONS AND STRONGER ENFORCEMENT EFFORTS.  THE INABILITY OF THE

                    VICTIMS' FAMILY MEMBERS TO RECEIVE COMPENSATION FOR THEIR LOVED ONES'

                    DEATH LED TO NEW YORK STATE CONSTITUTIONAL AMENDMENTS AND ALSO THE

                    ENACTMENT -- ENACTMENT OF A WORKERS' COMPENSATION LAW IN 1913.

                    THIS TRAGEDY SERVES AS THE MORAL FOUNDATION OF OUR FUNDAMENTAL LABOR

                    LAWS AND OUR MORAL COMPASS IN THE FIGHT FOR STRONGER PROTECTIONS AND

                    RIGHTS FOR ALL WORKERS.

                                 TODAY WE BRING THIS RESOLUTION TO THE FLOOR TO HONOR

                    THEIR LIVES AND RECOGNIZE THEIR INDISPENSABLE CONTRIBUTIONS TO WHO WE

                    ARE AS NEW YORK STATE TODAY.  THANK YOU, MR. SPEAKER, FOR ALLOWING

                    ME THIS OPPORTUNITY TO SPEAK ON THE FLOOR ABOUT THIS VERY IMPORTANT

                    INCIDENT.  THANK YOU.

                                         39



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MS. GLICK.

                                 MS. GLICK:  THANK YOU, MR. SPEAKER.  I WANT TO

                    THANK THE SPONSOR FOR BRINGING FORWARD THIS RESOLUTION.  THE TRIANGLE

                    SHIRTWAIST FACTORY SITE IS IN MY DISTRICT, AND THERE ARE ANNUAL

                    COMMEMORATIONS WHICH HAVE BEEN SOMEWHAT IMPAIRED BY THIS

                    PANDEMIC.  BUT ASIDE FROM THE FACT THAT IT WAS HORRIFIC AND PROVIDED A

                    SPRINGBOARD FOR WORKER SAFETY ACTIVITIES AND CHANGES IN LAW, WE HAVE

                    TO REMEMBER THAT THESE YOUNG WOMEN TRAPPED IN A FIRE, MANY ESCAPED

                    ONLY TO DIE AS THEY JUMPED FROM THE WINDOWS OF THIS FACTORY.  IT IS A

                    CHILLING REMINDER OF THOSE WHO LEAPED TO THEIR DEATHS AT THE TRADE

                    CENTER.  THE -- THE STRUGGLE FOR WOMEN TO HAVE THEIR PAY, THEIR WORK

                    RESPECTED CONTINUES TODAY, AND AS WE COMMEMORATE THOSE WHO DIED IN

                    THE TRIANGLE SHIRTWAIST FACTORY FIRE AND THOSE WHO FOUGHT THE GOOD

                    FIGHT FOR BETTER WORK -- WORKING CONDITIONS, WE REALIZE THAT DURING THIS

                    WOMEN'S HISTORY MONTH WE HAVE STILL NOT ACHIEVED FULL EQUALITY FOR

                    WOMEN IN THE WORKPLACE.

                                 BUT AGAIN, I WANT TO THANK THE SPONSOR FOR BRINGING

                    THIS FORWARD.  THANK YOU, MR. SPEAKER.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MS. LUNSFORD.

                                 MS. LUNSFORD:  THANK YOU VERY MUCH.  I WANT TO

                    COMMEND THE SPONSOR OF THIS BILL -- THIS RESOLUTION.  AS AN ATTORNEY

                    WHO PRACTICED WORKERS' COMPENSATION LAW FOR A DECADE, THIS TRAGEDY

                    WAS ALWAYS FRONT OF MIND FOR US.  A LOT OF TIMES, PARTICULARLY HERE IN

                                         40



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    THE LEGISLATURE, WHEN WE DISCUSS WORKERS' COMPENSATION WE TALK

                    ABOUT IT AS A BURDEN ON BUSINESSES.  WE TALK ABOUT THE RATES.  WE TALK

                    ABOUT THE WAY THE -- THE COURT SYSTEM OPERATES.  AND I THINK WE

                    SOMETIMES FORGET WHY WE HAVE A WORKERS' COMPENSATION SYSTEM, AND

                    THE MORAL OBLIGATION THAT WE HAVE TO PROTECT WORKERS AND TO ENSURE THAT

                    OUR WORKPLACES ARE SAFE.

                                 SO I JUST WANTED TO TAKE A MOMENT TO ACKNOWLEDGE THE

                    IMPORTANCE OF THIS EVENT IN OUR STATE'S HISTORY, BUT ALSO IN OUR COUNTRY'S

                    HISTORY AND THE CONTINUED FIGHT TO ENSURE THAT OUR WORKERS ARE TAKEN

                    CARE OF.  THANK YOU.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MS. GALLAGHER.

                                 MS. GALLAGHER:  THANK YOU.  AND I WOULD LIKE

                    TO THANK THE -- MY COLLEAGUE FOR BRINGING THIS RESOLUTION FORWARD.  THE

                    TRIANGLE SHIRTWAIST FACTORY FIRE WAS A TINDERBOX THAT BROUGHT ATTENTION

                    TO THE LONG STRUGGLE OF THESE WOMEN WORKERS WHO WERE MOSTLY

                    IMMIGRANT TEENAGERS, TO HAVE THEIR WORK RESPECTED.  AND IT WAS

                    BECAUSE OF THIS MOMENT THAT THEY WERE ABLE TO GET WIDER SUPPORT FOR

                    THEIR MISSION, WHICH HAD BEEN GOING ON STRIKE FOR A LONG TIME.  AND IT

                    SHOULD BE NOTED ALSO THAT THESE WOMEN WERE OFTEN NOT ALLOWED TO JOIN

                    MEN'S UNIONS BECAUSE THEY WERE WOMEN WORKERS.  AND IN THAT WE SAW

                    INCREDIBLE PERSEVERANCE, INCREDIBLE BOLDNESS AND BRAVERY TO STAND UP TO

                    THE ENTIRE SYSTEM, AND OFTEN TO THEIR FAMILIES WHO OFTEN DID NOT SUPPORT

                    THEM GOING ON STRIKE OR UNIONIZING.  AND IT REMINDS ME SO MUCH THAT

                    WE HAVE SO MUCH WORK TO DO TODAY TO PROTECT OUR IMMIGRANT WORKERS

                                         41



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    AND TO PROTECT WORKERS IN GENERAL.  IN THE LAST SIX MONTHS I HAVE HEARD

                    FROM GIG WORKERS WHO ARE SEEKING THE OPPORTUNITY TO BE RESPECTED AS

                    EMPLOYEES AND PROTECTED.  I'VE HEARD FROM HOME CARE HEALTH AIDES

                    FIGHTING AGAINST A 24-HOUR WORKDAY, AND I'VE HEARD FROM NURSES

                    FIGHTING FOR SAFE STAFFING.  I THINK WE SHOULD CONSIDER THIS TO ALL BE A

                    PART OF THE SAME LONG STRUGGLE, AND I AM PROUD THAT I AM NOW IN THE

                    LEGISLATOR -- IN THE LEGISLATURE TO HELP FIGHT AND CONTINUE THIS

                    MOVEMENT OF WORKERS IN AMERICA ACROSS TIME.

                                 SO THANK YOU VERY MUCH, AND I'M REALLY LOOKING

                    FORWARD TO THE WORK THAT WE WILL DO IN OUR GENERATION TO PROTECT

                    WORKERS GOING FORWARD.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MR. JACOBSON.

                                 MR. JACOBSON:  THANK YOU, MR. SPEAKER.  AS A

                    FORMER WORKERS' COMPENSATION JUDGE AND PRACTITIONER OF WORKERS'

                    COMPENSATION LAW REPRESENTING CLAIMANTS FOR OVER 20 YEARS, I WISH TO

                    THANK THE SPONSOR FOR BRINGING THIS RESOLUTION.  I URGE TO THE CURRENT

                    WORKERS' COMPENSATION BOARD TO REMEMBER THE HISTORY AND LEGACY OF

                    THE TRIANGLE SHIRTWAIST FACTORY FIRE AS IT MAKES ITS DECISIONS AND

                    PROMULGATES RULES.  WE, AS A LEGISLATURE, SHOULD ALSO REMEMBER THIS

                    HISTORY AS WE DEBATE WORKERS' COMPENSATION LAWS IN THE FUTURE AND

                    REMEMBER WHY THEY'RE STILL IMPORTANT AND STILL NECESSARY IN THE YEAR

                    2021.

                                 THANK YOU.  I WILL -- THANK YOU FOR BRINGING THIS AND I

                    WILL BE WHOLEHEARTEDLY SUPPORTING THIS RESOLUTION.

                                         42



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                                 ACTING SPEAKER AUBRY:  THANK YOU, SIR.

                                 MS. REYES.

                                 MS. REYES:  THANK YOU, MR. SPEAKER.  I WANT TO

                    THANK THE SPONSOR FOR BRINGING FORTH THIS -- THIS RESOLUTION.  AND LIKE SO

                    MANY OF MY COLLEAGUES MENTIONED BEFORE, THE PLIGHT OF WORKERS,

                    PARTICULARLY IMMIGRANT WORKERS MANY YEARS AGO, BUT THAT IS STILL NOT --

                    HASN'T CHANGED.  AND WE'VE SEEN DURING THIS COVID PANDEMIC HOW

                    THE HEALTH AND SAFETY OF WORKERS IS STILL AN ISSUE THAT WE HAVE TO

                    CONTEND WITH.

                                 SO, I -- I AM HAPPY TO -- TO SUPPORT THIS RESOLUTION

                    WITH THE UNDERSTANDING THAT THERE IS STILL A LOT OF WORK TO BE DONE TO

                    MAKE SURE THAT WE ARE PROTECTING ALL OUR WORKERS AND THE PEOPLE THAT

                    MAKE SURE OUR CITY CONTINUES TO RUN EVERY DAY.  THANK YOU, MR.

                    SPEAKER.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 MS. SIMON.

                                 (PAUSE)

                                 MS. SIMON:  GOT IT.  THANK YOU, MR. SPEAKER.  I'D

                    LIKE TO COMMEND THE -- THE SPONSOR OF THIS RESOLUTION AND -- AND ALSO

                    JUST TO ADD MY -- MY VOICE TO THE CALL FOR THE IMPROVEMENT OF WORKING

                    CONDITIONS IF -- FOR ALL WORKERS, BUT PARTICULARLY FOR WOMEN.  AS WE

                    KNOW, WOMEN STILL ARE PAID LESS.  THEY SUFFER UNDER WORSE CONDITIONS.

                    THEY OFTEN ARE REQUIRED TO USE EQUIPMENT, FOR EXAMPLE, ON JOB SITES

                    THAT ARE ACTUALLY THE DIMENSIONS THAT ARE IDEAL FOR MEN BUT, IN FACT,

                    HARM WOMEN'S BODIES.  AND SO THERE ARE SO MANY WAYS IN WHICH

                                         43



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    WOMEN ARE DISADVANTAGED IN THE WORKPLACE.  AND THE TRIANGLE

                    SHIRTWAIST FACTORY FIRE REALLY STARTED THE BALL ROLLING.  IT WAS A TRAGEDY.

                    AND I THINK BECAUSE SO MANY YOUNG WOMEN WERE LOST IN THAT -- IN THAT

                    FIRE IT TOUCHED THE HEARTS OF MANY PEOPLE.  BUT IT HAS BEEN TOO LONG AND

                    MANY HEARTS ARE NO LONGER TOUCHED BY THOSE KINDS OF CIRCUMSTANCES

                    AND THINK THAT, IN FACT, EVERYTHING IS BETTER NOW.  AND THE REALITY IS IT

                    STILL ISN'T, AND WE NEED TO BE THERE FOR OUR WORKERS AND FOR WOMEN AND

                    FOR IMMIGRANTS WHO ARE OFTEN SUBJECTED TO UNSAFE WORK CONDITIONS.

                                 AND SO I THANK THE SPONSOR FOR THIS RESOLUTION.

                                 ACTING SPEAKER AUBRY:  THANK YOU.

                                 ON THE RESOLUTION -- ON THE RESOLUTION, ALL THOSE IN

                    FAVOR SIGNIFY BY SAYING AYE; OPPOSED, NO.  THE RESOLUTION IS ADOPTED.

                                 WE HAVE OTHER FINE RESOLUTIONS WHICH WE WILL TAKE UP

                    WITH ONE VOTE.

                                 ON THE RESOLUTIONS, ALL THOSE IN FAVOR SIGNIFY BY SAYING

                    AYE; OPPOSE, NO.  THE RESOLUTIONS ARE ADOPTED.


                                 (WHEREUPON, ASSEMBLY RESOLUTION NO. 139 WAS

                    UNANIMOUSLY ADOPTED.)

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  MR. SPEAKER, COULD YOU

                    CALL ON MS. HUNTER FOR THE PURPOSES OF AN ANNOUNCEMENT?

                                 ACTING SPEAKER AUBRY:  MS. HUNTER FOR THE

                    PURPOSES OF AN ANNOUNCEMENT.

                                 MS. HUNTER:  YES, MR. SPEAKER, THANK YOU.  THERE

                    WILL BE A NEED FOR AN IMMEDIATE MAJORITY CONFERENCE AT THE CONCLUSION

                                         44



                    NYS ASSEMBLY                                                    MARCH 25, 2021

                    OF OUR SESSION TODAY.

                                 ACTING SPEAKER AUBRY:  IMMEDIATE MAJORITY

                    CONFERENCE AT THE CONCLUSION OF SESSION.

                                 MRS. PEOPLES-STOKES.

                                 MRS. PEOPLES-STOKES:  MR. SPEAKER, I NOW

                    MOVE THAT THE ASSEMBLY STAND ADJOURNED UNTIL FRIDAY, MARCH THE 26TH,

                    TOMORROW BEING A LEGISLATIVE DAY, AND THAT WE RECONVENE AT 2:00 P.M.

                    ON MONDAY, MARCH THE 30TH -- I'M ACTUALLY SORRY.  IT'S TUESDAY, MARCH

                    THE 30TH BEING -- TUESDAY BEING A SESSION DAY.

                                 ACTING SPEAKER AUBRY:  THE ASSEMBLY STANDS

                    ADJOURNED.

                                 (WHEREUPON, AT 12:14 P.M., THE ASSEMBLY STOOD

                    ADJOURNED UNTIL FRIDAY, MARCH 26TH, THAT BEING A LEGISLATIVE DAY, AND

                    TO RECONVENE ON TUESDAY, MARCH 30TH AT 2:00 P.M., THAT BEING A

                    SESSION DAY.)





















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