| Date of Action |
Assembly Actions -
Lowercase Senate Actions - UPPERCASE |
|---|---|
| Jan 15, 2025 |
referred to consumer protection |
Senate Bill S2202
2025-2026 Legislative Session
Sponsored By
(D) 14th Senate District
Current Bill Status - In Senate Committee Consumer Protection Committee
Actions
2025-S2202 (ACTIVE) - Details
- 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:
S6888
2019-2020: S2762
2021-2022: S3153
2023-2024: S797
2025-S2202 (ACTIVE) - Sponsor Memo
BILL NUMBER: S2202
SPONSOR: COMRIE
TITLE OF BILL:
An act to amend the general business law, in relation to requiring
consumer reporting agencies to provide a consumer's information to such
consumer at no cost
PURPOSE:
This bill ensures that consumers are able to access their full credit
report from all consumer reporting agencies-at reasonable times through-
out the year and at no cost to the individual.
SUMMARY OF PROVISIONS:
Section one of this bill amends section 380-d(a) of the General Business
Law to provide that consumers may obtain a free credit report from cred-
it reporting agencies up to four times in a given year.
Section of this bill provides that this act shall take effect immediate-
2025-S2202 (ACTIVE) - Bill Text download pdf
S T A T E O F N E W Y O R K
________________________________________________________________________
2202
2025-2026 Regular Sessions
I N S E N A T E
January 15, 2025
___________
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
consumer reporting agencies to provide a consumer's information to
such consumer at no cost
THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:
Section 1. Subdivision (a) of section 380-d of the general business
law, as added by chapter 867 of the laws of 1977, is amended to read as
follows:
(a) Every consumer reporting agency shall AT ANY TIME, upon request
and proper identification of any consumer, AND AT NO COST TO THE CONSUM-
ER, clearly and accurately disclose to the consumer:
(1) all information in its files at the time of the request concerning
such consumer; and
(2) the sources of the information; except that the sources of infor-
mation acquired solely for use in preparing an investigative consumer
report and actually used for no other purpose need not be disclosed;
provided, however, that in the event an action is brought under section
three hundred eighty-n of this article, such sources shall be available
to the plaintiff under appropriate discovery procedures in the court in
which the action is brought; and
(3) the recipients of any consumer report on the consumer which it has
furnished;
(i) for employment purposes within the two-year period preceding the
request, and
(ii) for any other purpose within the six month period preceding the
request.
§ 2. This act shall take effect immediately.
EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
[ ] is old law to be omitted.
LBD04924-01-5
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