NY · medical-debt statute of limitations
New York
Written contract
3 yr
Open account / oral
3 yr
Most common for medical
3 yr
Open-account period
How medical debt is treated in New York
New York has a MEDICAL-DEBT-SPECIFIC 3-year SOL running from the date of treatment (CPLR § 213-d), shorter than the general 6-year contract period. A separate 3-year limit applies to consumer-credit transactions (CPLR § 214-i).
Last verified June 16, 2026.
Can the clock restart?
New York's anti-revival rule for consumer debt means a payment or acknowledgment does NOT restart the clock on an expired consumer debt (CPLR § 214-i). This is among the strongest consumer protections.
Medical-debt credit reporting in New York
New York's Fair Medical Debt Reporting Act (S4907A, effective Dec 13, 2023) bars medical debt from consumer credit reports. Enforceability is subject to the federal-preemption dispute.
Estimate the window for your New York debt
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New York medical-debt questions
Note on credit reporting: The CFPB finalized a rule in January 2025 to remove most medical bills from consumer credit reports, but it was VACATED on July 11, 2025 by the U.S. District Court for the Eastern District of Texas (Cornerstone Credit Union League v. CFPB) and is NOT in effect as of 2026. The court also held that the federal FCRA preempts similar state laws. Do not assume medical bills are barred from credit reports under federal law — confirm the current status on consumerfinance.gov. CFPB.