IWhat Changed变化内容

Answering certified questions from the Second Circuit, the Court of Appeals held in Article 13 LLC v. Ponce De Leon Federal Bank, 2025 NY Slip Op 06536 (Nov. 25, 2025), that the Foreclosure Abuse Prevention Act applies to every foreclosure in which a judgment of foreclosure and sale has not been enforced, and that so applying it does not violate due process. FAPA bars a lender from resetting the six-year limitations period by unilaterally discontinuing an action or revoking acceleration.纽约州上诉法院在回答第二巡回法院的认证问题时，于Article 13 LLC诉Ponce De Leon联邦银行案（2025 NY Slip Op 06536，2025年11月25日）中认定：《止赎滥用防止法》（FAPA）适用于所有止赎及拍卖判决尚未执行的止赎案件，如此适用并不违反正当程序。FAPA禁止贷款人通过单方撤诉或撤销加速到期来重新计算六年诉讼时效。

The AVOID Act, amending CPLR 1007 and effective April 18, 2026 for pending as well as new cases, requires a defendant to commence a third-party action within 60 days of answering on contract claims, or within 60 days of learning of the claim for contribution or indemnity, permits only a single 30-day extension by stipulation, requires leave of court and the plaintiff's consent after twelve months, and bars impleader after the note of issue. A 2025 amendment to CPLR 2106 allows any person to submit an affirmation under penalty of perjury in place of an affidavit, including for verifications and interrogatory answers.修订CPLR第1007条的AVOID法自2026年4月18日起适用于新旧案件：被告须在答辩后60日内就合同请求提起第三方诉讼，或在得知分担或补偿请求后60日内提起；当事人只能以协议延期一次30日；超过十二个月须经法院许可及原告同意；提交审理备案后不得追加第三方。2025年CPLR第2106条修订允许任何人以伪证罚则下的宣誓陈述代替誓章，包括诉状核实及书面质询答复。

IIIWhat To Do Now应对建议

Re-examine every pending foreclosure for a FAPA limitations defense, beginning with the date of the first acceleration. Add the CPLR 1007 deadlines to the answer checklist in every defense file, and use CPLR 2106 affirmations for clients who are abroad.以首次加速到期日为起点，重新检视每一件未决止赎案的FAPA时效抗辩。在每一件抗辩案件的答辩清单中加入CPLR第1007条期限；对身在境外的客户，使用CPLR第2106条宣誓陈述。