New York A 5126: Relates to wage orders; repealer

Bill Text

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A05126 Summary:

BILL NOA05126 

&nbsp

SAME ASNo Same As

&nbsp

SPONSORSolages

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COSPNSR

&nbsp

MLTSPNSR

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Amd §380-a, rel §380-v to be §380-w, add §380-v, Gen Bus L

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Implements provisions to protect credit reports of certain consumers.

Go to top A05126 Actions:

BILL NOA05126 

&nbsp

02/12/2025referred to consumer affairs and protection

01/07/2026referred to consumer affairs and protection

Go to topA05126 Committee&nbspVotes:

Go to topA05126 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topA05126 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 5126

 2025-2026 Regular Sessions

 IN ASSEMBLY

 February 12, 2025
 ___________

 Introduced by M. of A. SOLAGES -- read once and referred to the Commit-
 tee on Consumer Affairs and Protection

 AN ACT to amend the general business law, in relation to implementing
 provisions to protect credit reports of certain consumers

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. Subdivision (m) of section 380-a of the general business
 2 law, as added by chapter 63 of the laws of 2006, is amended to read as
 3 follows:
 4 (m) The term "security freeze" or "freeze" means:
 5 1. a notice placed in the consumer credit report of or relating to a
 6 consumer, at the request of such consumer and subject to certain
 7 exceptions, that prohibits the consumer credit reporting agency from
 8 releasing the consumer credit report, the contents of such report or the
 9 credit score of such consumer[.];
 10 2. if a consumer credit reporting agency does not have a file pertain-
 11 ing to a protected consumer, a restriction that:
 12 a. is placed on the protected consumer's record in accordance with the
 13 provisions of this section; and
 14 b. prohibits the consumer credit reporting agency from releasing to
 15 protected consumer's record except as provided in section three hundred
 16 eighty-v of this article; or
 17 3. if a consumer credit reporting agency has a file pertaining to the
 18 protected consumer, a restriction that:
 19 a. is placed on the protected consumer's consumer report in accordance
 20 with section three hundred eighty-v of this article; and
 21 b. prohibits the consumer credit reporting agency from releasing the
 22 protected consumer's consumer credit report or any information derived
 23 from the protected consumer's consumer credit report except as provided
 24 in section three hundred eighty-v of this article.

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD09184-01-5

 A. 5126 2

 1 § 2. Section 380-a of the general business law is amended by adding
 2 five new subdivisions (w), (x), (y), (z) and (aa) to read as follows:
 3 (w) The term "protected consumer" means an individual who is:
 4 1. under the age of sixteen years at the time a request for the place-
 5 ment of a security freeze is made; or
 6 2. an incapacitated person or a protected person for whom a guardian
 7 or conservator has been appointed.
 8 (x) The term "record" means a compilation of information that:
 9 1. identifies a protected consumer;
 10 2. is created by a consumer credit reporting agency solely for the
 11 purpose of complying with section three hundred eighty-v of this arti-
 12 cle; and
 13 3. may not be created or used to consider the protected consumer's
 14 credit worthiness, credit standing, credit capacity, character, general
 15 reputation, personal characteristics, or mode of living.
 16 (y) The term "representative" means a person who provides to a consum-
 17 er credit reporting agency sufficient proof of authority to act on
 18 behalf of a protected consumer; includes, but is not limited to, a
 19 parent or legal guardian.
 20 (z) The term "sufficient proof of authority" means documentation that
 21 shows a representative has authority to act on behalf of a protected
 22 consumer; includes:
 23 1. an order issued by a court of law; or
 24 2. a lawfully executive and valid power of attorney; or
 25 3. a written, notarized statement signed by a representative that
 26 expressly describes the authority of the representative to act on behalf
 27 of a protected consum