senate Bill S3278

2013-2014 Legislative Session

Implements provisions to protect credit reports of certain consumers

download bill text pdf

Sponsored By

Archive: Last Bill Status - In Senate Committee


  • Introduced
  • In Committee
  • On Floor Calendar
    • Passed Senate
    • Passed Assembly
  • Delivered to Governor
  • Signed/Vetoed by Governor

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Actions

view actions (2)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Jan 08, 2014 referred to consumer protection
Jan 31, 2013 referred to consumer protection

S3278 - Details

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 2011-2012 Legislative Session:
S7363

S3278 - Summary

Implements provisions to protect credit reports of certain consumers.

S3278 - Sponsor Memo

S3278 - Bill Text download pdf

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

                                  3278

                       2013-2014 Regular Sessions

                            I N  S E N A T E

                            January 31, 2013
                               ___________

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.

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD01044-01-3

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