senate Bill S7099

2017-2018 Legislative Session

Requires debt collection agencies to be licensed by the state

download bill text pdf

Sponsored By

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

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

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view actions (1)
Assembly Actions - Lowercase
Senate Actions - UPPERCASE
Jan 03, 2018 referred to consumer protection

S7099 (ACTIVE) - Details

See Assembly Version of this Bill:
Current Committee:
Senate Consumer Protection
Law Section:
General Business Law
Laws Affected:
Add Art 29-HHH §§604-k - 604-o, Gen Bus L; amd R3015, CPLR
Versions Introduced in Other Legislative Sessions:
2009-2010: S7071, A3926
2011-2012: S1439, A1028, A8429
2013-2014: S219, A455
2015-2016: S190, A408
2019-2020: S2343, A7191
2021-2022: S3121, A3041

S7099 (ACTIVE) - Summary

Requires debt collection agencies to be licensed by the state; requires bonding and allows for penalties.

S7099 (ACTIVE) - Sponsor Memo

S7099 (ACTIVE) - Bill Text download pdf

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


                            I N  S E N A T E


                             January 3, 2018

Introduced  by Sen. KAVANAGH -- 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 and the civil practice law  and
  rules, in relation to debt collection agencies


  Section 1. Legislative intent. The legislature hereby finds the  pres-
ence  of consumer-related problems with respect to the practices of debt
collection agencies. Federal and state laws regulate how debt collectors
may communicate with debtors and prohibit the use of  certain  threaten-
ing,  deceptive  and  unfair  collection  practices. Despite these legal
protections, the number of consumer complaints regarding debt collection
practices continue to rise. Consumer complaints received by the  Federal
Trade  Commission  regarding  third-party  debt  collectors grew for the
thirteenth consecutive year  in  2010,  and  consumers  filed  with  the
Commission  more  complaints against third-party collectors than against
any other specific industry. While the majority of those engaged in  the
business  of  debt  collection are honest and ethical in their dealings,
there is a minority of unscrupulous  collection  agencies  in  operation
that practice abusive tactics. Due to the sensitive nature of the infor-
mation  used  in  the course of such agency's everyday business, and the
vulnerable position consumers find themselves in when dealing with these
agencies, it is incumbent upon this legislature to  protect  the  inter-
ests,  reputations  and  fiscal well-being of the citizens of this state
against those agencies who would abuse  their  privilege  of  operation.
Therefore,  it  is  herein  declared  that the state should license debt
collection agencies.
  § 2. The general business law is  amended  by  adding  a  new  article
29-HHH to read as follows:
                             ARTICLE 29-HHH
                        DEBT COLLECTION AGENCIES


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