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Assembly Bill A4717B

2023-2024 Legislative Session

Relates to requiring consumer reporting agencies contact consumers when requests are made for their consumer reports

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Archive: Last Bill Status - On Floor Calendar

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Bill Amendments

2023-A4717 - Details

Law Section:
General Business Law
Laws Affected:
Amd §380-d, Gen Bus L
Versions Introduced in Other Legislative Sessions:
2017-2018: A10411
2019-2020: A618
2021-2022: A2484
2025-2026: A6862

2023-A4717 - Summary

Requires that consumer reporting agencies contact consumers when a request is made for their consumer reports; requires consumer reporting agencies to provide the consumer with information pertaining to the entity that requested the consumer report.

2023-A4717 - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   4717
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             February 22, 2023
                                ___________
 
 Introduced  by M. of A. EPSTEIN -- read once and referred to the Commit-
   tee 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.
                                                            LBD03419-01-3

co-Sponsors

2023-A4717A - Details

Law Section:
General Business Law
Laws Affected:
Amd §380-d, Gen Bus L
Versions Introduced in Other Legislative Sessions:
2017-2018: A10411
2019-2020: A618
2021-2022: A2484
2025-2026: A6862

2023-A4717A - Summary

Requires that consumer reporting agencies contact consumers when a request is made for their consumer reports; requires consumer reporting agencies to provide the consumer with information pertaining to the entity that requested the consumer report.

2023-A4717A - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  4717--A
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             February 22, 2023
                                ___________
 
 Introduced  by M. of A. EPSTEIN -- read once and referred to the Commit-
   tee on Consumer Affairs and Protection -- committee  discharged,  bill
   amended,  ordered reprinted as amended and recommitted to said commit-
   tee
 
 AN ACT to amend the general  business  law,  in  relation  to  requiring
   consumer  reporting  agencies  to  contact consumers when requests are
   made for their consumer reports
 
   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 OR ELECTRONIC MAIL.  ONCE  NOTIFIED,  THE  CONSUMER  MAY
 CONTACT  THE  CONSUMER  REPORTING  AGENCY  WHO  SHALL  PROVIDE, UPON THE
 REQUEST OF SUCH  CONSUMER,  THE  NAME  OF  THE  PERSON  OR  ENTITY  THAT
 REQUESTED  THE  REPORT,  THE  NATURE  OF  THE  REQUEST,  THE DATE OF THE
 REQUEST, AND THE AMOUNT OF ANY POTENTIAL LOAN RELATING TO SUCH  REQUEST,
 TO  THE  GREATEST  EXTENT  PRACTICABLE.  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  SUBDI-
 VISION.
   §  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.
                                                            LBD03419-02-3

co-Sponsors

2023-A4717B (ACTIVE) - Details

Law Section:
General Business Law
Laws Affected:
Amd §380-d, Gen Bus L
Versions Introduced in Other Legislative Sessions:
2017-2018: A10411
2019-2020: A618
2021-2022: A2484
2025-2026: A6862

2023-A4717B (ACTIVE) - Summary

Requires that consumer reporting agencies contact consumers when a request is made for their consumer reports; requires consumer reporting agencies to provide the consumer with information pertaining to the entity that requested the consumer report.

2023-A4717B (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                  4717--B
                                                            R. R. 227
 
                        2023-2024 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             February 22, 2023
                                ___________
 
 Introduced by M. of A. EPSTEIN, REYES, BURDICK -- read once and referred
   to  the  Committee  on  Consumer  Affairs  and Protection -- committee
   discharged, bill amended, ordered reprinted as amended and recommitted
   to said committee -- reported and referred to the Committee  on  Rules
   -- ordered to a third reading -- amended on the special order of third
   reading,  ordered  reprinted  as  amended,  retaining its place on the
   special order of third reading
 
 AN ACT to amend the general  business  law,  in  relation  to  requiring
   consumer  reporting  agencies  to  contact consumers when requests are
   made for their consumer reports
 
   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 OR ELECTRONIC MAIL.  IN THE EVENT NO  MAILING  OR  ELEC-
 TRONIC  MAIL  ADDRESS  INFORMATION  FOR THE CONSUMER IS AVAILABLE TO THE
 REPORTING AGENCY, SUCH REPORTING AGENCY SHALL MAKE A GOOD  FAITH  EFFORT
 TO  NOTIFY  THE  CONSUMER.   ONCE NOTIFIED, THE CONSUMER MAY CONTACT THE
 CONSUMER REPORTING AGENCY WHO SHALL PROVIDE, UPON THE  REQUEST  OF  SUCH
 CONSUMER,  THE  NAME  OF THE PERSON OR ENTITY THAT REQUESTED THE REPORT,
 THE NATURE OF THE REQUEST, THE DATE OF THE REQUEST, AND  THE  AMOUNT  OF
 ANY  POTENTIAL  LOAN  RELATING  TO  SUCH REQUEST, TO THE GREATEST EXTENT
 PRACTICABLE. 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.
                                                            LBD03419-06-3

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