Governor Hochul Signs New Legislation To Protect Consumers And Keep Money In New Yorkers’ Pockets

Governor Kathy Hochul today signed new legislation as part of the FY26 Enacted Budget that will protect consumers across New York and fight back against scams or exploitative practices. From simplifying the process of canceling recurring online subscriptions to cracking down on overdraft fees that target low-income consumers, these new laws will help New Yorkers fight back against unfair corporate practices.

“This budget is all about affordability – lowering costs and helping New Yorkers with the rising cost of living,” Governor Hochul said. “But our tax cuts, credits and rebates won’t be much help if bad actors are able to scam or mislead New Yorkers. These new laws are about fairness, transparency, and accountability and will help consumers save money and spend it wisely.”

Easier Cancellation For Online Subscriptions

Subscription services are a part of daily life but canceling them is often needlessly complicated. The FY26 budget includes legislation requiring businesses to notify consumers of upcoming renewals and price changes as well as provide clear instructions on how to cancel subscriptions. Under this legislation, cancellation processes must be simple, transparent, and fair – ensuring that it is just as easy to cancel a subscription as it was to sign up.

Standardized Online Retail Returns and Refunds

Consumers are increasingly shopping online and navigating a sea of varying return windows, restocking fees, refund formats, shipping practices and more. New Yorkers, particularly during the holiday season, know how hard it is to juggle various return policies that affect when they can send back a gift or exchange clothing that didn’t fit.

With e-commerce sales rising and returns accounting for billions of dollars annually, New Yorkers deserve stronger consumer protections. The FY26 Budget includes legislation to require online retail sellers to post return and refund policies in a way that is easily accessible for consumers.

Oversight Over “Buy Now, Pay Later” Loans

“Buy Now, Pay Later” loans are increasingly popular but pose risks to consumers, including overextension, inconsistent credit reporting, data exploitation, and excessive fees. These concerns highlight the need for stronger oversight in this rapidly growing financial sector.

The FY26 Budget includes legislation to establish a licensing and supervision framework for Buy Now Pay Later providers. This legislation will introduce safeguards, such as disclosure requirements, dispute resolution standards, limits on all charges and fees, and data privacy protections to ensure consumers are better protected when using these financial products.

Shed Light on “Surveillance Pricing”

As consumers spend more of their time and money online, they’re also sharing more information like browsing behavior, location, and purchase history with the companies they interact with.Today’s technology means corporations are able to collect mountains of personal data, feed it into algorithms, and generate a price that’s individual to a consumer. This practice, which the FTC has dubbed surveillance pricing, means a company could be charging you and your neighbor different prices for the same product, based on your individual willingness to pay. This practice is opaque and strips consumers of their ability to comparison shop and plan for the price of goods and services.

The FY26 Budget includes first-in-the-nation legislation that requires businesses to disclose clearly to consumers when a price was set by an algorithm using their personal data, subject to certain exceptions.

Stronger Protections Against Unfair Overdraft Fees

Overdraft and non-sufficient funds fees disproportionately harm low- and moderate-income New Yorkers. In January 2025, Governor Hochul announced the Department of Financial Services proposed regulations to eliminate the most exploitative and deceptive banking fees, cap overdraft fees, strengthen customer communications, and establish stricter transaction processing requirements. These regulations will protect consumers and foster accessible and affordable banking services for all New Yorkers.

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AI Charlie Kirk tributes are a new version of this old response to violent American deaths



By Art Jipson, Associate Professor of Sociology, University of Dayton.

An AI-generated image of Charlie Kirk embracing Jesus. Another of Kirk posing with angel wings and halo. Then there’s the one of Kirk standing with George Floyd at the gates of heaven.

When prominent political or cultural figures die in the U.S., the remembrance of their life often veers into hagiography. And that’s what’s been happening since the gruesome killing of conservative activist and Turning Point USA co-founder Charlie Kirk.

The word hagiography comes from the Christian tradition of writing about saints’ lives, but the practice often spills into secular politics and media, falling under the umbrella of what’s called, in sociology, the “sacralization of politics.” Assassinations and violent deaths, in particular, tend to be interpreted in sacred terms: The person becomes a secular martyr who made a heroic sacrifice. They are portrayed as morally righteous and spiritually pure.

This is, to some degree, a natural part of mourning. But taking a closer look at why this happens – and how the internet accelerates it – offers some important insights into politics in the U.S. today.

From presidents to protest leaders

The construction of Ronald Reagan’s post-presidential image is a prime example of this process.

After his presidency, Republican leaders steadily polished his memory into a symbol of conservative triumph, downplaying scandals such as Iran-Contra or Reagan’s early skepticism of civil rights. Today, Reagan is remembered less as a complex politician and more as a saint of free markets and patriotism.

Among liberals, Martin Luther King Jr. experienced a comparable transformation, though it took a different form. King’s critiques of capitalism, militarism and structural racism are often downplayed in most mainstream remembrances, leaving behind a softer image of peaceful dreamer. The annual holiday, scores of street re-namings and public murals honor him, but they also tame his legacy into a universally palatable story of unity.

Even more contested figures such as John F. Kennedy or Abraham Lincoln show the same pattern. Their assassinations were followed by waves of mourning that elevated them into near-mythic status.

Decades after Kennedy’s death, his portrait hung in the homes of many American Catholics, often adjacent to religious iconography such as Virgin Mary statuettes. Lincoln, meanwhile, became a kind of civic saint: His memorial in Washington, D.C., looks like a temple, with words from his speeches etched into the walls.

Why it happens, what it means

The hagiography of public figures serves several purposes. It taps into deep human needs, helping grieving communities manage loss by providing moral clarity in the face of chaos.

It also allows political movements to consolidate power by sanctifying their leaders and discouraging dissent. And it reassures followers that their cause is righteous – even cosmic.

In a polarized environment, the elevation of a figure into a saint does more than honor the individual. It turns a political struggle into a sacred one. If you see someone as a martyr, then opposition to their movement is not merely disagreement, it is desecration. In this sense, hagiography is not simply about remembering the dead: It mobilizes the living.

But there are risks. Once someone is framed as a saint, criticism becomes taboo. The more sacralized a figure, the harder it becomes to discuss their flaws, mistakes or controversial actions. Hagiography flattens history and narrows democratic debate.

After Queen Elizabeth II’s death in 2022, for example, public mourning in the U.K. and abroad quickly elevated her legacy into a symbol of stability and continuity, with mass tributes, viral imagery and global ceremonies transforming a complex reign into a simplified story of devotion and service.

It also fuels polarization. If one side’s leader is a martyr, then the other side must be villainous. The framing is simple but powerful.

In Kirk’s case, many of his supporters described him as a truth seeker whose death underscored a deeper moral message. At Kirk’s memorial service in Arizona, President Donald Trump called him a “martyr for American freedom.” On social media, Turning Point USA and Kirk’s official X account described him as “America’s greatest martyr to free speech.”

In doing so, they elevated his death as symbolic of larger battles over censorship. By emphasizing the fact that he died while simply speaking, they also reinforced the idea that liberals and the left are more likely to resort to violence to silence their ideological enemies, even as evidence shows otherwise.

Digital supercharge

Treating public figures like saints is not new, but the speed and scale of the process is. Over the past two decades, social media has turned hagiography from a slow cultural drift into a rapid-fire production cycle.

Memes, livestreams and hashtags now allow anyone to canonize someone they admire. When NBA Hall-of-Famer Kobe Bryant died in 2020, social media was flooded within hours with devotional images, murals and video compilations that cast him as more than an athlete: He became a spiritual icon of perseverance.

Similarly, after Ruth Bader Ginsburg’s death, the “Notorious RBG” meme ecosystem instantly expanded to include digital portraits and merchandise that cast her as a saintly defender of justice.

The same dynamics surrounded Charlie Kirk. Within hours of his assassination, memes appeared of Kirk draped in an American flag, being carried by Jesus.

In the days after his death, AI-generated audio clips of Kirk styled as “sermons” began circulating online, while supporters shared Bible verses that they claimed matched the exact timing of his passing. Together, these acts cast his death in religious terms: It wasn’t just a political assassination — it was a moment of spiritual significance.

Such clips and verses spread effortlessly across social media, where narratives about public figures can solidify within hours, often before facts are confirmed, leaving little room for nuance or investigation.

Easy-to-create memes and videos also enable ordinary users to participate in a sacralization process, making it more of a grassroots effort than something that’s imposed from the top down.

In other words, digital culture transforms what was once the slow work of monuments and textbooks into a living, flexible folk religion of culture and politics.

Toward clearer politics

Hagiography will not disappear. It meets emotional and political needs too effectively. But acknowledging its patterns helps citizens and journalists resist its distortions. The task is not to deny grief or admiration but to preserve space for nuance and accountability.

In the U.S., where religion, culture and politics frequently intertwine, recognizing that sainthood in politics is always constructed — and often strategic — can better allow people to honor loss without letting mythmaking dictate the terms of public life.

  • Arthur “Art” Jipson is an Associate Professor of Sociology in the Department of Sociology, Anthropology, and Social Work at the University of Dayton. For 11 years he was the Director of the Criminal Justice Studies program.

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