Can a New York landlord require a credit check or charge a screening fee?
Yes, but with two limits. First, the federal Fair Credit Reporting Act requires the landlord to disclose to the applicant that a consumer report will be obtained, and to provide a copy of any adverse-action notice if the application is denied because of the report. Second, New York law caps how much can be charged as a screening fee. The fee must reasonably approximate the actual cost of the screening (usually $25 to $50). Charging more than the screening's actual cost, or refusing to refund the difference, can be a violation. Always issue a written receipt and itemize the use of the fee.
Source: Federal Fair Credit Reporting Act, 15 USC 1681; New York landlord-tenant code
This is an informational answer based on Federal Fair Credit Reporting Act, 15 USC 1681; New York landlord-tenant code as of early 2026. It is not legal advice. Housing law changes year to year and local ordinances (especially in rent-controlled or rent-stabilized cities) can override or add to state law. For contested cases, consult a New York-licensed attorney.