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Assembly Bill A6862

2025-2026 Legislative Session

Relates to requiring consumer reporting agencies contact consumers when requests are made for their consumer reports

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2025-A6862 (ACTIVE) - Details

See Senate Version of this Bill:
S2248
Law Section:
General Business Law
Laws Affected:
Amd §380-d, Gen Bus L
Versions Introduced in Other Legislative Sessions:
2017-2018: A10411, S8303
2019-2020: A618, S4421
2021-2022: A2484, S3466
2023-2024: A4717, S1256

2025-A6862 (ACTIVE) - Summary

Requires that consumer reporting agencies contact consumers when a request is made for their consumer reports; requires consumer reporting agencies to provide the consumer with information pertaining to the entity that requested the consumer report.

2025-A6862 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   6862
 
                        2025-2026 Regular Sessions
 
                           I N  A S S E M B L Y
 
                              March 14, 2025
                                ___________
 
 Introduced  by M. of A. EPSTEIN, REYES, BURDICK, DE LOS SANTOS, CUNNING-
   HAM -- read once and referred to the Committee on Consumer Affairs and
   Protection
 
 AN ACT to amend the general  business  law,  in  relation  to  requiring
   consumer  reporting  agencies  to  contact consumers when requests are
   made for their consumer reports

   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section  1.  Section  380-d  of the general business law is amended by
 adding a new subdivision (a-1) to read as follows:
   (A-1) EVERY CONSUMER REPORTING AGENCY SHALL, UPON THE OCCURRENCE OF  A
 CONSUMER  REPORT  REQUESTED ON ANY CONSUMER, NOTIFY SUCH CONSUMER OF THE
 REQUEST BY MAIL OR ELECTRONIC MAIL TO  THE  EXTENT  PRACTICABLE.    ONCE
 NOTIFIED,  THE  CONSUMER  MAY  CONTACT THE CONSUMER REPORTING AGENCY WHO
 SHALL PROVIDE, UPON THE REQUEST OF SUCH CONSUMER, THE NAME OF THE PERSON
 OR ENTITY THAT REQUESTED THE REPORT, THE NATURE OF THE REQUEST, THE DATE
 OF THE REQUEST, AND THE AMOUNT OF ANY POTENTIAL LOAN  RELATING  TO  SUCH
 REQUEST, TO THE GREATEST EXTENT PRACTICABLE. SUCH CONSUMER SHALL PROVIDE
 THE  CONSUMER REPORTING AGENCY SUFFICIENT PROOF OF IDENTIFICATION PURSU-
 ANT TO SUBDIVISION (T) OF SECTION THREE HUNDRED EIGHTY-A OF THIS ARTICLE
 BEFORE THE CONSUMER MAY RECEIVE ANY INFORMATION IN ACCORDANCE WITH  THIS
 SUBDIVISION.
   §  2.  This  act shall take effect on the ninetieth day after it shall
 have become a law.
 
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD04954-01-5

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