NY A10182

Defines "consumer debt" as any obligation of a natural person to pay money arising from transactions primarily for personal, family, or household purposes, including medical debt and consumer credit transactions

Excludes debts secured by real property and rent arrears subject to summary proceedings from the consumer debt definition

Replaces the term "consumer credit transaction" with "consumer debt" throughout multiple New York laws including the Civil Practice Law and Rules, NYC Civil Court Act, Judiciary Law, and various uniform court acts

Requires court rules and forms to be revised within six months of enactment to reflect the terminology change from "consumer credit transaction" to "consumer debt"

Takes effect 90 days after becoming law, with immediate authorization to amend rules and regulations needed for implementation