Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateNew YorkReferred
A 11715: Relates to limiting the amounts that may be loaned to candidates or political committees
Rules Committee
A 11715 status: Referred — REFERRED TO ELECTION LAW (updated Sep 16, 2026).
Source
LegiScan
Confidence
High
Analysis basis
LegiScan full bill text
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
80OUT OF 100
Score:80/100 civic fit
Risk:Low Risk
Impact:Moderate Impact 60/100
Constitutionality85%
Bipartisan50%
Public opinion75%
Bill summary
What changes
The bill establishes concrete caps on loans to candidates and political committees for both participants and non-participants in the public campaign financing system, including specific formulas for family member contributions.
Who is affected
All candidates for public office in New York, their campaign committees, and individuals or entities wishing to provide loans to those campaigns.
Requirements and enforcement
Campaigns must adhere to new loan limits based on the type of office and voter registration numbers, with outstanding loans counting against overall contribution aggregates.
Costs and funding
Implied compliance costs for candidates to track loan-to-contribution ratios and potential fiscal costs for state oversight of these new limits.
When it takes effect
Takes effect on the first of January next succeeding the date on which it shall have become a law.
Potential benefits
Increases transparency and limits the potential for large, non-traditional loans to sway elections, promoting a more balanced campaign finance environment.
Risks and tradeoffs
The complexity of the sliding-scale limits based on voter numbers could lead to inadvertent violations, particularly for smaller campaigns or those unfamiliar with the Election Law.
What is still unknown
The degree to which these limits might discourage self-funded candidates or alter the fundraising landscape for non-participating candidates.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Society
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
Positive outlook
80%
Benefits
- Limits loan influence by curbing large-scale personal lending
- Standardizes loan caps for public campaign finance participants
- Includes specific family member lending limits to prevent proxy contributions
Risks
- Increases administrative complexity for monitoring loan-to-contribution ratios
- May create barriers for candidates lacking access to institutional committees
- Potentially limits self-funding options for independent candidates
Public Health & Safety
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
LegiScan
Official bill text or data from LegiScan.
Confidence
High
Information is complete and verified.
Analysis basis
LegiScan full bill text
Source used for this bill's analysis.
Source note
Calculation of voter-based limits may lead to compliance errors if voter rolls fluctuate unexpectedly.
Analysis scope
The bill amends existing statutes by reference, requiring context of the full Election Law.
04
Where it stands
Official record- IntroducedComplete
- CommitteeCurrent
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
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06
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