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A3055 • 2025

Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness

Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness

Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
Robert C. Carroll
Last action
2026-05-06
Official status
In Senate Committee
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness

Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness.

What This Bill Does

  • Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness.

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-05-06 Assembly

    PASSED ASSEMBLY

  2. 2026-05-06 Assembly

    DELIVERED TO SENATE

  3. 2026-05-06 Senate

    REFERRED TO CONSUMER PROTECTION

  4. 2026-04-23 Assembly

    ADVANCED TO THIRD READING CAL.353

  5. 2026-04-21 Assembly

    REPORTED

  6. 2026-03-24 Assembly

    REPORTED REFERRED TO CODES

  7. 2026-01-07 Assembly

    REFERRED TO CONSUMER AFFAIRS AND PROTECTION

  8. 2025-01-23 Assembly

    REFERRED TO CONSUMER AFFAIRS AND PROTECTION

Official Summary Text

Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness
Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness.

Current Bill Text

Read the full stored bill text 
S T A T E   O F   N E W   Y O R K
        ________________________________________________________________________

                                          3055

                               2025-2026 Regular Sessions

                                  I N  A S S E M B L Y

                                    January 23, 2025
                                       ___________

        Introduced  by  M.  of A. R. CARROLL, REYES -- read once and referred to
          the Committee on Consumer Affairs and Protection

        AN ACT to amend the  general  business  law  and  the  banking  law,  in
          relation  to  prohibiting  a  consumer reporting agency or lender from
          using an individual's late payment of cashless tolls to determine such
          individual's credit worthiness

          THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
        BLY, DO ENACT AS FOLLOWS:

     1    Section 1. Subparagraphs (viii) and (ix) of paragraph 1 of subdivision
     2  (f)  of section 380-j of the general business law, as amended by chapter
     3  727 of the laws of 2023, are amended to read as follows:
     4    (viii) information relating to a medical debt regardless of  the  date
     5  it was incurred; [or]
     6    (ix) LATE PAYMENTS OF ANY CASHLESS TOLLS; OR
     7    (X)  any  other adverse information which antedates the report by more
     8  than seven years.
     9    § 2. Section 352 of the banking law is amended by adding a  new  ninth
    10  undesignated paragraph to read as follows:
    11    NO LICENSEE SHALL COLLECT, EVALUATE, REPORT OR MAINTAIN IN THE FILE ON
    12  A  BORROWER THE BORROWER'S LATE PAYMENT OF CASHLESS TOLLS AS A FACTOR TO
    13  DETERMINE THE BORROWER'S CREDIT WORTHINESS, CREDIT  STANDING  OR  CREDIT
    14  CAPACITY.    THE  SUPERINTENDENT  SHALL  ENSURE  THAT THE CREDIT SCORING
    15  FORMULAS FILED WITH  THE  DEPARTMENT  DO  NOT  CONTAIN  VARIABLES  WHICH
    16  ACCOUNT  FOR  LATE  PAYMENT OF CASHLESS TOLLS AS PART OF THAT FORMULA BY
    17  ASKING THE LICENSEE TO CERTIFY TO THAT FACT.
    18    § 3. This act shall take effect immediately.


         EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                              [ ] is old law to be omitted.
                                                                   LBD04317-01-5