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Assembly Bill A1972

2019-2020 Legislative Session

Provides that a banking institution must cash checks drawn on said institution, if payee presents a form of valid identification

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Archive: Last Bill Status - Stricken

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2019-A1972 (ACTIVE) - Details

Law Section:
Banking Law
Laws Affected:
Add §9-x, Bank L
Versions Introduced in Other Legislative Sessions:
2009-2010: A9200
2011-2012: A2208
2013-2014: A1206
2015-2016: A1640
2017-2018: A1686

2019-A1972 (ACTIVE) - Summary

Provides that a banking institution must cash checks drawn on said institution, if payee presents a form of valid identification; provides a refusal to cash such check after identification, makes such institution guilty of a violation.

2019-A1972 (ACTIVE) - Bill Text download pdf 

                            
 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   1972
 
                        2019-2020 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             January 18, 2019
                                ___________
 
 Introduced  by  M.  of  A.  ZEBROWSKI  --  read once and referred to the
   Committee on Banks
 
 AN ACT to amend the banking law, in relation to check cashing policies
 
   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:

   Section  1.  The banking law is amended by adding a new section 9-x to
 read as follows:
   § 9-X. CASHING OF CERTAIN CHECKS. 1. NO BANKING  INSTITUTION  AS  SUCH
 TERM  IS DEFINED IN SECTION NINE-F OF THIS ARTICLE SHALL, REFUSE TO CASH
 CHECKS, IN THE AMOUNT OF FIVE HUNDRED DOLLARS OR LESS, DRAWN ON ACCOUNTS
 IN SUCH INSTITUTION OR A BRANCH AS LONG AS THERE  ARE  SUFFICIENT  FUNDS
 WITHIN  THE  ACCOUNT  ON WHICH THE CHECK IS DRAWN.  SUCH INSTITUTION MAY
 REQUIRE, AS A CONDITION FOR CASHING SUCH CHECK, THAT THE PAYEE PRESENT A
 VALID GOVERNMENT-ISSUED PHOTO IDENTIFICATION CARD.
   2. IF A PERSON PRESENTS A  FORM  OF  IDENTIFICATION,  AS  PROVIDED  IN
 SUBDIVISION ONE OF THIS SECTION, AND A SIGNATURE OR MARK, AND THE INSTI-
 TUTION  REFUSES  TO  CASH THE CHECK IN THE ABSENCE OF CRIMINAL ACTIVITY,
 SUCH INSTITUTION SHALL BE GUILTY OF A VIOLATION OF THIS SECTION.
   § 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.
                                                            LBD06176-01-9

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