Bill > A04432

This bill amends the New York State Executive Law to prohibit housing discrimination based on consumer credit history, which is defined as an individual's credit worthiness, credit standing, credit capacity, or payment history as indicated by a consumer credit report or credit score. The bill expands existing anti-discrimination protections to explicitly include consumer credit history as a category that landlords and housing providers cannot use to refuse rental, lease, or represent housing as unavailable. Specifically, the legislation makes it an unlawful discriminatory practice for any person offering housing accommodations to deny housing to an individual or group based on their consumer credit history, just as it is currently unlawful to discriminate based on race, creed, color, disability, national origin, sexual orientation, and other protected characteristics. The bill adds consumer credit history to the list of factors that cannot be inquired about or used as a basis for housing discrimination, with the goal of preventing potential tenants from being unfairly excluded from housing opportunities due to their financial background. The legislation takes effect immediately upon passage.

Government Affairs

https://www.nysenate.gov/legislation/bills/2025/A4432