Senate Bill S7363

2011-2012 Legislative Session

Implements provisions to protect credit reports of certain consumers

download bill text pdf

Sponsored By

Archive: Last Bill Status - In Senate Committee Consumer Protection Committee


  • 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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2011-S7363 (ACTIVE) - Details

Current Committee:
Senate Consumer Protection
Law Section:
General Business Law
Laws Affected:
Amd §380-a, rel §380-u to be §380-v, add §380-u, Gen Bus L
Versions Introduced in Other Legislative Sessions:
2013-2014: S3278
2015-2016: S2560
2017-2018: S4166

2011-S7363 (ACTIVE) - Summary

Implements provisions to protect credit reports of certain consumers.

2011-S7363 (ACTIVE) - Sponsor Memo

2011-S7363 (ACTIVE) - Bill Text download pdf

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

                                  7363

                            I N  S E N A T E

                               May 2, 2012
                               ___________

Introduced  by  Sen. KRUEGER -- read twice and ordered printed, and when
  printed to be committed to the Committee on Consumer Protection

AN ACT to amend the general business law, in  relation  to  implementing
  provisions to protect credit reports of certain consumers

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

  Section 1. Subdivision (m) of section 380-a of  the  general  business
law,  as  added by chapter 63 of the laws of 2006, is amended to read as
follows:
  (m) The term "security freeze" or "freeze" means:
  1. a notice placed in the consumer credit report of or relating  to  a
consumer,  at  the  request  of  such  consumer  and  subject to certain
exceptions, that prohibits the consumer  credit  reporting  agency  from
releasing the consumer credit report, the contents of such report or the
credit score of such consumer[.];
  2. IF A CONSUMER CREDIT REPORTING AGENCY DOES NOT HAVE A FILE PERTAIN-
ING TO A PROTECTED CONSUMER, A RESTRICTION THAT:
  A. IS PLACED ON THE PROTECTED CONSUMER'S RECORD IN ACCORDANCE WITH THE
PROVISIONS OF THIS SECTION; AND
  B.  PROHIBITS  THE  CONSUMER CREDIT REPORTING AGENCY FROM RELEASING TO
PROTECTED CONSUMER'S RECORD EXCEPT AS PROVIDED IN SECTION THREE  HUNDRED
EIGHTY-U OF THIS ARTICLE; OR
  3.  IF A CONSUMER CREDIT REPORTING AGENCY HAS A FILE PERTAINING TO THE
PROTECTED CONSUMER, A RESTRICTION THAT:
  A. IS PLACED ON THE PROTECTED CONSUMER'S CONSUMER REPORT IN ACCORDANCE
WITH SECTION THREE HUNDRED EIGHTY-U OF THIS ARTICLE; AND
  B. PROHIBITS THE CONSUMER CREDIT REPORTING AGENCY FROM  RELEASING  THE
PROTECTED  CONSUMER'S  CONSUMER CREDIT REPORT OR ANY INFORMATION DERIVED
FROM THE PROTECTED CONSUMER'S CONSUMER CREDIT REPORT EXCEPT AS  PROVIDED
IN SECTION THREE HUNDRED EIGHTY-U OF THIS ARTICLE.
  S  2.  Section  380-a of the general business law is amended by adding
five new subdivisions (o), (p), (q), (r) and (s) to read as follows:
  (O) THE TERM "PROTECTED CONSUMER" MEANS AN INDIVIDUAL WHO IS:

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD15701-01-2
              

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