Bill > S06446

This bill amends the New York General Business Law to require entities that obtain a consumer credit report to provide additional consumer protections. Specifically, when an entity receives a consumer credit report, they must now inform the consumer about their right to obtain a security freeze (a service that restricts access to a consumer's credit report, helping prevent identity theft) and provide detailed information on how to place, temporarily lift, or permanently lift such a freeze. This includes providing contact information like addresses and phone numbers for credit reporting agencies. Furthermore, the bill prohibits these notifications from including any advertising or promotional materials for paid services, ensuring that consumers receive clear, unbiased information about their credit security options. The goal of the bill is to enhance transparency and empower consumers with more information about protecting their credit information, with the new requirements taking effect immediately upon passage.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/S6446