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Assembly Bill A10411

2017-2018 Legislative Session

Relates to requiring credit reporting agencies contact consumers when an inquiry is made into their credit history

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Archive: Last Bill Status - In Assembly Committee

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2017-A10411 (ACTIVE) - Details

See Senate Version of this Bill:
S8303
Current Committee:
Assembly Consumer Affairs And Protection
Law Section:
General Business Law
Laws Affected:
Amd §380-d, Gen Bus L
Versions Introduced in Other Legislative Sessions:
2019-2020: A618, S4421
2021-2022: A2484, S3466
2023-2024: A4717, S1256
2025-2026: A6862, S2248

2017-A10411 (ACTIVE) - Summary

Requires that credit reporting agencies contact consumers when an inquiry is made into their credit history; requires credit reporting agencies to provide the consumer with information pertaining to the entity that requested the credit report.

2017-A10411 (ACTIVE) - Bill Text download pdf 

                            
 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   10411
 
                           I N  A S S E M B L Y
 
                              April 19, 2018
                                ___________
 
 Introduced  by  M. of A. NIOU -- read once and referred to the Committee
   on Consumer Affairs and Protection
 
 AN ACT to amend the general business law, in relation to requiring cred-
   it reporting agencies contact consumers when an inquiry is  made  into
   their credit history
 
   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  AND  ELECTRONIC MAIL. ONCE NOTIFIED, THE CONSUMER MAY
 CONTACT THE CONSUMER REPORTING AGENCY WHO SHALL  PROVIDE  SUCH  CONSUMER
 WITH THE NAME OF THE PERSON THAT REQUESTED THE REPORT, THE NATURE OF THE
 REQUEST,  THE DATE OF THE REQUEST, AND THE AMOUNT OF ANY POTENTIAL LOAN,
 IF KNOWN. SUCH CONSUMER SHALL  PROVIDE  THE  CONSUMER  REPORTING  AGENCY
 SUFFICIENT  PROOF  OF  IDENTIFICATION  PURSUANT  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.
                                                            LBD14125-01-8

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