New York S 6299: Directs the board of trustees of the state university of New York and the city university of New York to report on the current composition of faculty at four year campuses and community colleges

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S06299 Summary:

BILL NOS06299 

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SAME ASNo Same As

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SPONSORSANDERS

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COSPNSR

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MLTSPNSR

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Amd §512, Gen Bus L

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Limits the liability of a debit cardholder for unauthorized use of a debit card.

Go to top S06299 Actions:

BILL NOS06299 

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03/10/2025REFERRED TO CONSUMER PROTECTION

01/07/2026REFERRED TO CONSUMER PROTECTION

Go to topS06299 Committee&nbspVotes:

Go to topS06299 Floor&nbspVotes:

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

Go to topS06299 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 6299

 2025-2026 Regular Sessions

 IN SENATE

 March 10, 2025
 ___________

 Introduced by Sen. SANDERS -- 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 limiting the
 liability of a debit cardholder for unauthorized use of a debit card

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

 1 Section 1. Section 512 of the general business law, as amended by
 2 chapter 556 of the laws of 1987, is amended to read as follows:
 3 § 512. Limitation of liability for unauthorized use of a credit card
 4 or a debit card. 1. A provision which imposes liability upon a holder
 5 for a cash advance or loan or for the purchase or lease of property or
 6 services obtained by the unauthorized use of a credit card or a debit
 7 card shall not be enforceable to the extent that it imposes a greater
 8 liability upon the holder than is imposed upon the holder of a credit
 9 card under the provisions of the act of congress entitled "Truth in
 10 Lending Act" and the regulations thereunder, as such act and regulations
 11 may from time to time be amended.
 12 2. (a) A cardholder shall be liable for the unauthorized use of a
 13 debit card only if:
 14 (1) the card is a debit card which the cardholder has requested and
 15 received or has signed or has used, or authorized another to use, for
 16 the purpose of obtaining money, property, labor, or services;
 17 (2) the liability is not in excess of fifty dollars;
 18 (3) the card issuer gives adequate notice to the cardholder of the
 19 potential liability;
 20 (4) the card issuer has provided the cardholder with a description of
 21 a means by which the card issuer may be notified of loss or theft of the
 22 card, which description may be provided on the face or reverse side of
 23 each monthly, quarterly or other periodic account statement issued to
 24 the cardholder by the card issuer, as applicable, or on a separate
 25 notice accompanying such statement;

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD10387-01-5

 S. 6299 2

 1 (5) the unauthorized use occurs before the card issuer has been noti-
 2 fied that an unauthorized use of the debit card has occurred or may
 3 occur as the result of loss, theft, or otherwise; and
 4 (6) the card issuer has provided a method whereby the user of such
 5 card can be identified as the person authorized to use it.
 6 (b) For purposes of this section, a card issuer has been notified when
 7 such steps as may be reasonably required in the ordinary course of busi-
 8 ness to provide the card issuer with the pertinent information have been
 9 taken, whether or not any particular officer, employee, or agent of the
 10 card issuer does in fact receive such information.
 11 (c) In any action by a card issuer to enforce liability for the use of
 12 a debit card, the burden of proof is upon the card issuer to show that
 13 the use was authorized or, if the use was unauthorized, then the burden
 14 of proof is upon the card issuer to show that the conditions of liabil-
 15 ity for the unauthorized use of a debit card, as set forth in paragraph
 16 (a) of this subdivision, have been met.
 17 (d) Nothing in this subdivision imposes liability upon a cardholder
 18 for the unauthorized use of a debit card in excess of such cardholder's
 19 liability for such use under other applicable law or under any agreement
 20 with the card issuer.
 21 (e) Except as provided in this subdivision, a cardholder shall not
 22 incur any liability from the unauthorized use of a debit ca