New Yorkers with unpaid city fines for everything from dirty sidewalks to building code violations will have three months to settle eligible debts at a discount under a new program launched Tuesday by Mayor Zohran Mamdani.

The initiative, dubbed "Debt Demolisher," begins Oct. 13 and gives eligible homeowners, small businesses and other New Yorkers a chance to have accumulated interest waived and, in some cases, additional penalties wiped away.

City officials say the program, which runs through Jan. 10, 2027, could bring in an additional $25 million in revenue beyond what the city would ordinarily collect from outstanding fines.

For some businesses, the savings could be substantial. A city official pointed to one example of a Bronx florist that has accumulated more than five city violations over the past several years and now owes roughly $5,500.

If the business corrects its outstanding violations and participates in the program, it could settle that debt for less than $1,500 — saving more than $4,000. "City government shouldn't saddle New Yorkers with endless fines and interest," Mamdani said in a statement announcing the launch. “When the city issues a fine, the goal is to incentivize compliance with the rules that keep all of us safe and healthy, not make it impossible to grow your business or repair your home."

The program applies to eligible Environmental Control Board (ECB) judgments, which are unpaid civil penalties that have been entered as court judgments.

They stem from violations issued by agencies including the Department of Sanitation, Department of Buildings and Department of Transportation. Those violations can include improperly disposing of mattresses, failing to clean up after a dog, leaving sidewalks dirty or violating building safety rules. How much can New Yorkers save? The amount of relief depends on how the original fine was assessed and how much interest or additional penalties have accumulated. Under the law establishing the program, people who received a default judgment after failing to respond to a violation or appear for a hearing can settle their debt by paying the original base fine, without additional default penalties or accrued interest.

Those who were found liable following a hearing can settle their debt by paying 75% of the imposed fine, with accrued interest waived. For example, someone with an eligible $1,000 fine imposed following a hearing could pay $750 to settle the judgment, with accrued interest waived. The program also allows some people who have already made payments toward their fines to settle their remaining eligible debt for just $1, provided their previous payments meet the required threshold. The city will not refund payments already made.

For violations that include an order to correct the problem, participants must also obtain a certificate of correction from the issuing agency. Not every unpaid fine is eligible. The program excludes judgments entered in court after July 15, 2026, along with certain debts already subject to enforcement actions or payment agreements, violations stemming from specific citizen complaints (including idling or noise complaints), debts converted into tax liens, and those tied to criminal investigations.

Each eligible judgment must be paid in full during the 90-day amnesty period to qualify for relief, according to a city official. New Yorkers with multiple eligible judgments can pay them separately, rather than settling all their outstanding fines at once.

Under the law, settling a judgment through the program also means giving up the right to challenge liability for that judgment. The program stems from legislation sponsored by Council Member Linda Lee (D-Queens) at Mamdani's request and approved by the City Council in August. The measure became law in September.

"This program gives New Yorkers a more affordable way to clear longstanding city debt and move forward, while helping businesses put old fines behind them and focus on serving their communities," Department of Finance Commissioner Richard Lee said in a statement.

The city's previous amnesty program, known as FAIRER , was established in 2021 to provide relief to New Yorkers affected by the COVID-19 pandemic.

According to a City Council Finance Committee report, more than 21,000 businesses and individuals resolved unpaid judgments under that program. The city collected $47.2 million in base fines while resolving another $97 million in penalties and interest.

An earlier program in 2016 brought in $45 million in base fines and resolved $115 million in default penalties and accrued interest. A city official said the administration's $25 million projection reflects revenue it expects to collect beyond what would ordinarily come in. The city's previous amnesty program generated an estimated $30 million in additional collections, according to DOF. Officials expect a smaller windfall this time, in part because Debt Demolisher is scheduled to run for a shorter period.