Bill > A04521

This bill amends the New York General Business Law by changing the definition of a "protected consumer" from an individual under sixteen years old to an individual under eighteen years old. The modification expands the age range for consumer protection, specifically in the context of security freezes, which are mechanisms that prevent unauthorized access to a person's credit report. By raising the age threshold from sixteen to eighteen, the bill provides additional safeguards for minors, ensuring they have extended protection against potential identity theft or unauthorized financial activities until they reach legal adulthood. The change reflects a recognition that younger individuals may be more vulnerable to financial fraud and need comprehensive protective measures. The bill will take effect immediately upon enactment, meaning the new definition will be implemented right away.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A4521