senate Bill S6682B

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 Via A8955 -


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

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Actions

view actions (14)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Nov 21, 2014 approval memo.8
signed chap.441
Nov 10, 2014 delivered to governor
Jun 17, 2014 returned to assembly
passed senate
3rd reading cal.245
substituted for s6682b
Jun 17, 2014 substituted by a8955b
Jun 09, 2014 amended on third reading 6682b
Mar 25, 2014 amended on third reading 6682a
Mar 12, 2014 advanced to third reading
Mar 11, 2014 2nd report cal.
Mar 10, 2014 1st report cal.245
Feb 26, 2014 referred to consumer protection

Co-Sponsors

view additional co-sponsors

S6682 - Details

See Assembly Version of this Bill:
A8955B
Law Section:
General Business Law
Laws Affected:
Amd §380-a, rel §380-u to be §380-v, add §380-u, Gen Bus L

S6682 - Summary

Relates to credit record freezes and protected minors.

S6682 - Sponsor Memo

S6682 - Bill Text download pdf

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

                                  6682

                            I N  S E N A T E

                            February 26, 2014
                               ___________

Introduced  by  Sens.  ZELDIN, DeFRANCISCO, MARTINS, RANZENHOFER -- 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 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
(II) PROHIBITS THE CONSUMER CREDIT REPORTING AGENCY FROM  RELEASING  THE
PROTECTED  CONSUMER'S  CONSUMER CREDIT REPORT OR ANY INFORMATION DERIVED

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

Co-Sponsors

view additional co-sponsors

S6682A - Details

See Assembly Version of this Bill:
A8955B
Law Section:
General Business Law
Laws Affected:
Amd §380-a, rel §380-u to be §380-v, add §380-u, Gen Bus L

S6682A - Summary

Relates to credit record freezes and protected minors.

S6682A - Sponsor Memo

S6682A - Bill Text download pdf

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

                                 6682--A
    Cal. No. 245

                            I N  S E N A T E

                            February 26, 2014
                               ___________

Introduced  by  Sens.  ZELDIN,  BONACIC, DeFRANCISCO, LARKIN, MARCHIONE,
  MARTINS, RANZENHOFER -- read  twice  and  ordered  printed,  and  when
  printed  to  be  committed  to the Committee on Consumer Protection --
  reported favorably from said committee, ordered to  first  and  second
  report,  ordered  to  a  third reading, amended and ordered reprinted,
  retaining its place in the order of third reading

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
  (2) IF A CONSUMER CREDIT REPORTING AGENCY HAS A FILE PERTAINING TO THE
PROTECTED  CONSUMER,  A  RESTRICTION THAT (I) IS PLACED ON THE PROTECTED

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets

Co-Sponsors

view additional co-sponsors

S6682B (ACTIVE) - Details

See Assembly Version of this Bill:
A8955B
Law Section:
General Business Law
Laws Affected:
Amd §380-a, rel §380-u to be §380-v, add §380-u, Gen Bus L

S6682B (ACTIVE) - Summary

Relates to credit record freezes and protected minors.

S6682B (ACTIVE) - Sponsor Memo

S6682B (ACTIVE) - Bill Text download pdf

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

                                 6682--B
    Cal. No. 245

                            I N  S E N A T E

                            February 26, 2014
                               ___________

Introduced  by  Sens.  ZELDIN,  BONACIC, DeFRANCISCO, LARKIN, MARCHIONE,
  MARTINS, RANZENHOFER -- read  twice  and  ordered  printed,  and  when
  printed  to  be  committed  to the Committee on Consumer Protection --
  reported favorably from said committee, ordered to  first  and  second
  report,  ordered  to  a  third reading, amended and ordered reprinted,
  retaining its place in the order of third reading -- again amended and
  ordered reprinted, retaining its place in the order of third reading

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.

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