by Eric J. Ellman | Sep 7, 2025
Landlords are powerful vectors of residential sorting, opening up or constraining access to stable housing, neighborhood choice, and social opportunity. Although previous research has explored how landlords’ behaviors shape housing outcomes, existing research has not...
by Eric J. Ellman | Jul 12, 2024
In early-2024, New York governor, Kathy Hochul, proposed legislation in her 2025 budget to mandate BNPL reporting. From TEDECA, Art. VII, Part CC, page 201, Art. XIV-B (Buy-Now-Pay-Later) § 735. This provision went nowhere. Of particular note is the paragraph on...
by Eric J. Ellman | Nov 2, 2023
On November 1, 2023, DFS announced amendments to Cybersecurity Regulation, 23 NYCRR Part 500. (See the final adopted regulatory documents on the Regulatory Activity – Financial Services Law page. Unlike in prior rounds where we did file comments, we did not do...
by Eric J. Ellman | Jul 5, 2023
In June 2023, the NY DFS issued Revised Proposed Second Amendment to 23 NYCRR 500 Cybersecurity Requirements for Financial Services Companies. This revised proposal is marked up. The Department also issued a: Notice of Revised Rulemaking Regulatory Impact Statement...
by Eric J. Ellman | Dec 5, 2022
Two new York Assembly committees held a hearing on December 6 “[t]o examine the accuracy and effectiveness of consumer credit reports and opportunities to improve and modernize the credit reporting system.” The hearing was called by Nily Rozic, the Chair of the...
