Assembly Bill A8955B

Signed By Governor
2013-2014 Legislative Session

Relates to credit record freezes and protected minors

download bill text pdf

Sponsored By

Archive: Last Bill Status - Signed by Governor


  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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Actions

Bill Amendments

co-Sponsors

multi-Sponsors

2013-A8955 - Details

See Senate Version of this Bill:
S6682
Law Section:
General Business Law
Laws Affected:
Amd §380-a, rel §380-u to be §380-v, add §380-u, Gen Bus L

2013-A8955 - Summary

Relates to credit record freezes and protected minors.

2013-A8955 - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  8955

                          I N  A S S E M B L Y

                              March 4, 2014
                               ___________

Introduced  by  M.  of  A. DINOWITZ, CLARK, SIMANOWITZ, MARKEY, GUNTHER,
  HIKIND, MOSLEY, MONTESANO -- Multi-Sponsored by -- M.  of  A.  ARROYO,
  CERETTO,  CROUCH,  DUPREY, HEASTIE, PEOPLES-STOKES, SCHIMMINGER, SWEE-
  NEY, TITONE, WEISENBERG -- read once and referred to the Committee  on
  Consumer Affairs and Protection

AN  ACT  to amend the general business law, in relation to credit record
  freezes and protected minors

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1.  Section  380-a  of the general business law is amended by
adding six new subdivisions (o), (p), (q), (r), (s) and (t) to  read  as
follows:
  (O)  THE  TERM  "PROTECTED  CONSUMER"  SHALL MEAN AN INDIVIDUAL WHO IS
UNDER THE AGE OF SIXTEEN YEARS AT THE TIME A REQUEST FOR  THE  PLACEMENT
OF A SECURITY FREEZE IS MADE.
  (P) THE TERM "RECORD" SHALL MEAN A COMPILATION OF INFORMATION THAT (1)
IDENTIFIES  A  PROTECTED  CONSUMER;  (2) IS CREATED BY A CONSUMER CREDIT
REPORTING AGENCY SOLELY FOR THE PURPOSE OF COMPLYING WITH SECTION  THREE
HUNDRED  EIGHTY-U OF THIS ARTICLE; AND (3) MAY NOT BE CREATED OR USED TO
CONSIDER THE PROTECTED CONSUMER'S CREDIT  WORTHINESS,  CREDIT  STANDING,
CREDIT  CAPACITY,  CHARACTER,  GENERAL  REPUTATION,  PERSONAL CHARACTER-
ISTICS, OR MODE OF LIVING FOR ANY PURPOSE LISTED IN THIS ARTICLE.
  (Q) THE TERM "REPRESENTATIVE" MEANS A PERSON WHO PROVIDES TO A CONSUM-
ER CREDIT REPORTING AGENCY SUFFICIENT  PROOF  OF  AUTHORITY  TO  ACT  ON
BEHALF OF A PROTECTED CONSUMER.
  (R)  THE  TERM "SECURITY FREEZE FOR A PROTECTED PERSON" MEANS (1) IF A
CONSUMER CREDIT REPORTING AGENCY DOES NOT HAVE A FILE  PERTAINING  TO  A
PROTECTED  CONSUMER,  A RESTRICTION THAT: (I) IS PLACED ON THE PROTECTED
CONSUMER'S RECORD IN ACCORDANCE WITH THIS SECTION;  AND  (II)  PROHIBITS
THE  CONSUMER  CREDIT  REPORTING  AGENCY  FROM  RELEASING  THE PROTECTED
CONSUMER'S RECORD EXCEPT AS PROVIDED IN THIS SECTION; OR
  (2) IF A CONSUMER CREDIT REPORTING AGENCY HAS A FILE PERTAINING TO THE
PROTECTED CONSUMER, A RESTRICTION THAT (I) IS PLACED  ON  THE  PROTECTED
CONSUMER'S  CONSUMER  CREDIT REPORT IN ACCORDANCE WITH THIS SECTION; AND

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
              

co-Sponsors

multi-Sponsors

2013-A8955A - Details

See Senate Version of this Bill:
S6682
Law Section:
General Business Law
Laws Affected:
Amd §380-a, rel §380-u to be §380-v, add §380-u, Gen Bus L

2013-A8955A - Summary

Relates to credit record freezes and protected minors.

2013-A8955A - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 8955--A

                          I N  A S S E M B L Y

                              March 4, 2014
                               ___________

Introduced  by  M.  of  A. DINOWITZ, CLARK, SIMANOWITZ, MARKEY, GUNTHER,
  HIKIND, MOSLEY, MONTESANO, JACOBS, GOTTFRIED, ZEBROWSKI, GALEF,  COOK,
  HOOPER,  COLTON, RAIA -- Multi-Sponsored by -- M. of A. ARROYO, CERET-
  TO, CROUCH, DUPREY, HEASTIE, McLAUGHLIN, PEOPLES-STOKES,  SCHIMMINGER,
  SWEENEY, TITONE, WEISENBERG -- read once and referred to the Committee
  on  Consumer  Affairs  and  Protection -- reported and referred to the
  Committee on Codes --  committee  discharged,  bill  amended,  ordered
  reprinted as amended and recommitted to said committee

AN  ACT  to amend the general business law, in relation to credit record
  freezes and protected minors

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1.  Section  380-a  of the general business law is amended by
adding six new subdivisions (o), (p), (q), (r), (s) and (t) to  read  as
follows:
  (O) THE TERM "PROTECTED CONSUMER" MEANS AN INDIVIDUAL WHO IS UNDER THE
AGE  OF SIXTEEN YEARS AT THE TIME A REQUEST FOR THE PLACEMENT OF A SECU-
RITY FREEZE IS MADE.
  (P) THE TERM "RECORD" MEANS A  COMPILATION  OF  INFORMATION  THAT  (1)
IDENTIFIES  A  PROTECTED  CONSUMER;  (2) IS CREATED BY A CONSUMER CREDIT
REPORTING AGENCY SOLELY FOR THE PURPOSE OF COMPLYING WITH SECTION  THREE
HUNDRED  EIGHTY-U OF THIS ARTICLE; AND (3) MAY NOT BE CREATED OR USED TO
CONSIDER THE PROTECTED CONSUMER'S CREDIT  WORTHINESS,  CREDIT  STANDING,
CREDIT  CAPACITY,  CHARACTER,  GENERAL  REPUTATION,  PERSONAL CHARACTER-
ISTICS, OR MODE OF LIVING FOR ANY PURPOSE LISTED IN THIS ARTICLE.
  (Q) THE TERM "REPRESENTATIVE" MEANS A PERSON WHO PROVIDES TO A CONSUM-
ER CREDIT REPORTING AGENCY SUFFICIENT  PROOF  OF  AUTHORITY  TO  ACT  ON
BEHALF OF A PROTECTED CONSUMER.
  (R)  THE  TERM "SECURITY FREEZE FOR A PROTECTED PERSON" MEANS (1) IF A
CONSUMER CREDIT REPORTING AGENCY DOES NOT HAVE A FILE  PERTAINING  TO  A
PROTECTED  CONSUMER,  A RESTRICTION THAT: (I) IS PLACED ON THE PROTECTED
CONSUMER'S RECORD IN ACCORDANCE WITH THIS SECTION;  AND  (II)  PROHIBITS
THE  CONSUMER  CREDIT  REPORTING  AGENCY  FROM  RELEASING  THE PROTECTED
CONSUMER'S RECORD EXCEPT AS PROVIDED IN THIS SECTION; OR

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
              

co-Sponsors

multi-Sponsors

2013-A8955B (ACTIVE) - Details

See Senate Version of this Bill:
S6682
Law Section:
General Business Law
Laws Affected:
Amd §380-a, rel §380-u to be §380-v, add §380-u, Gen Bus L

2013-A8955B (ACTIVE) - Summary

Relates to credit record freezes and protected minors.

2013-A8955B (ACTIVE) - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 8955--B

                          I N  A S S E M B L Y

                              March 4, 2014
                               ___________

Introduced  by  M.  of  A. DINOWITZ, CLARK, SIMANOWITZ, MARKEY, GUNTHER,
  HIKIND, MOSLEY, MONTESANO, JACOBS, GOTTFRIED, ZEBROWSKI, GALEF,  COOK,
  HOOPER,  COLTON,  RAIA, OTIS -- Multi-Sponsored by -- M. of A. ARROYO,
  CERETTO, CROUCH, DUPREY, HEASTIE, McLAUGHLIN,  PEOPLES-STOKES,  PERRY,
  SCHIMEL,  SCHIMMINGER,  SWEENEY,  TITONE,  WEISENBERG -- read once and
  referred to the  Committee  on  Consumer  Affairs  and  Protection  --
  reported   and  referred  to  the  Committee  on  Codes  --  committee
  discharged, bill amended, ordered reprinted as amended and recommitted
  to said committee -- again reported from said  committee  with  amend-
  ments, ordered reprinted as amended and recommitted to said committee

AN  ACT  to amend the general business law, in relation to credit record
  freezes and protected minors

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1.  Section  380-a  of the general business law is amended by
adding six new subdivisions (o), (p), (q), (r), (s) and (t) to  read  as
follows:
  (O) THE TERM "PROTECTED CONSUMER" MEANS AN INDIVIDUAL WHO IS UNDER THE
AGE  OF SIXTEEN YEARS AT THE TIME A REQUEST FOR THE PLACEMENT OF A SECU-
RITY FREEZE IS MADE.
  (P) THE TERM "RECORD" MEANS A  COMPILATION  OF  INFORMATION  THAT  (1)
IDENTIFIES  A  PROTECTED  CONSUMER;  (2) IS CREATED BY A CONSUMER CREDIT
REPORTING AGENCY SOLELY FOR THE PURPOSE OF COMPLYING WITH SECTION  THREE
HUNDRED  EIGHTY-U OF THIS ARTICLE; AND (3) MAY NOT BE CREATED OR USED TO
CONSIDER THE PROTECTED CONSUMER'S CREDIT  WORTHINESS,  CREDIT  STANDING,
CREDIT  CAPACITY,  CHARACTER,  GENERAL  REPUTATION,  PERSONAL CHARACTER-
ISTICS, OR MODE OF LIVING FOR ANY PURPOSE LISTED IN THIS ARTICLE.
  (Q) THE TERM "REPRESENTATIVE" MEANS A PERSON WHO PROVIDES TO A CONSUM-
ER CREDIT REPORTING AGENCY SUFFICIENT  PROOF  OF  AUTHORITY  TO  ACT  ON
BEHALF OF A PROTECTED CONSUMER.
  (R)  THE  TERM "SECURITY FREEZE FOR A PROTECTED PERSON" MEANS (1) IF A
CONSUMER CREDIT REPORTING AGENCY DOES NOT HAVE A FILE  PERTAINING  TO  A
PROTECTED  CONSUMER,  A RESTRICTION THAT: (I) IS PLACED ON THE PROTECTED
CONSUMER'S RECORD IN ACCORDANCE WITH THIS SECTION;  AND  (II)  PROHIBITS

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
              

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