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Assembly Bill A3055

2025-2026 Legislative Session

Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness

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Current Bill Status - In Senate Committee Consumer Protection Committee

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2025-A3055 (ACTIVE) - Details

See Senate Version of this Bill:
S2198
Current Committee:
Senate Consumer Protection
Law Section:
General Business Law
Laws Affected:
Amd §380-j, Gen Bus L; amd §352, Bank L
Versions Introduced in Other Legislative Sessions:
2017-2018: S7854
2019-2020: S2778
2021-2022: A9898, S3444
2023-2024: A1480, S1109

2025-A3055 (ACTIVE) - Summary

Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness.

2025-A3055 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   3055
 
                        2025-2026 Regular Sessions
 
                           I N  A S S E M B L Y
 
                             January 23, 2025
                                ___________
 
 Introduced  by  M.  of A. R. CARROLL, REYES -- read once and referred to
   the Committee on Consumer Affairs and Protection
 
 AN ACT to amend the  general  business  law  and  the  banking  law,  in
   relation  to  prohibiting  a  consumer reporting agency or lender from
   using an individual's late payment of cashless tolls to determine such
   individual's credit worthiness
 
   THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. Subparagraphs (viii) and (ix) of paragraph 1 of subdivision
 (f)  of section 380-j of the general business law, as amended by chapter
 727 of the laws of 2023, are amended to read as follows:
   (viii) information relating to a medical debt regardless of  the  date
 it was incurred; [or]
   (ix) LATE PAYMENTS OF ANY CASHLESS TOLLS; OR
   (X)  any  other adverse information which antedates the report by more
 than seven years.
   § 2. Section 352 of the banking law is amended by adding a  new  ninth
 undesignated paragraph to read as follows:
   NO LICENSEE SHALL COLLECT, EVALUATE, REPORT OR MAINTAIN IN THE FILE ON
 A  BORROWER THE BORROWER'S LATE PAYMENT OF CASHLESS TOLLS AS A FACTOR TO
 DETERMINE THE BORROWER'S CREDIT WORTHINESS, CREDIT  STANDING  OR  CREDIT
 CAPACITY.    THE  SUPERINTENDENT  SHALL  ENSURE  THAT THE CREDIT SCORING
 FORMULAS FILED WITH  THE  DEPARTMENT  DO  NOT  CONTAIN  VARIABLES  WHICH
 ACCOUNT  FOR  LATE  PAYMENT OF CASHLESS TOLLS AS PART OF THAT FORMULA BY
 ASKING THE LICENSEE TO CERTIFY TO THAT FACT.
   § 3. This act shall take effect immediately.
 
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD04317-01-5

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