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Senate Bill S4421

2019-2020 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 Senate Committee Consumer Protection Committee

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2019-S4421 (ACTIVE) - Details

See Assembly Version of this Bill:
A618
Current Committee:
Senate Consumer Protection
Law Section:
General Business Law
Laws Affected:
Amd §380-d, Gen Bus L
Versions Introduced in Other Legislative Sessions:
2017-2018: S8303, A10411
2021-2022: S3466, A2484
2023-2024: S1256, A4717
2025-2026: S2248, A6862

2019-S4421 (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.

2019-S4421 (ACTIVE) - Sponsor Memo

2019-S4421 (ACTIVE) - Bill Text download pdf 

                            
 
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   4421
 
                        2019-2020 Regular Sessions
 
                             I N  S E N A T E
 
                              March 11, 2019
                                ___________
 
 Introduced  by  Sen.  COMRIE -- 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 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.
                                                            LBD02257-01-9

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