NY A10676

Prohibits landlords from denying rental applications based solely on a potential tenant's credit history or score if the tenant meets one of four specified conditions.

Allows tenants to qualify by demonstrating full rent payments within five days of due date for 12 consecutive months, with exemption for late payments accrued between March 2020 and June 2021.

Permits tenants to qualify if they receive government-provided rental subsidies paid directly to the landlord, or if negative credit information stems solely from medical or student loan debt.

Qualifies tenants whose credit delinquencies result directly from domestic violence, dating violence, sexual assault, or stalking.

Requires landlords to provide written notice of credit-based denials and give tenants five days to demonstrate they meet one of the qualifying conditions; establishes civil penalties of $500 to $1,000 per violation enforceable by the Attorney General.