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A8906 • 2025

Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze

Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze

Active

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

Sponsor
Emerita Torres
Last action
2026-05-13
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.

Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze

Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze, in addition to other information necessary to place, temporarily lift or permanently lift such security freeze; prohibits notices to consumers of their right to obtain a security freeze from containing advertising for paid services.

What This Bill Does

  • Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze, in addition to other information necessary to place, temporarily lift or permanently lift such security freeze; prohibits notices to consumers of their right to obtain a security freeze from containing advertising for paid services.

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. 2026-05-13 Assembly

    PASSED ASSEMBLY

  2. 2026-05-13 Assembly

    DELIVERED TO SENATE

  3. 2026-05-13 Senate

    REFERRED TO CONSUMER PROTECTION

  4. 2026-01-07 Assembly

    ORDERED TO THIRD READING CAL.219

  5. 2025-06-17 Assembly

    REPORTED REFERRED TO RULES

  6. 2025-06-17 Assembly

    REPORTED

  7. 2025-06-17 Assembly

    RULES REPORT CAL.923

  8. 2025-06-17 Assembly

    ORDERED TO THIRD READING RULES CAL.923

  9. 2025-06-17 Assembly

    SUBSTITUTED BY S6446

  10. 2025-06-16 Assembly

    REFERRED TO CONSUMER AFFAIRS AND PROTECTION

  11. 2025-06-16 Assembly

    REFERENCE CHANGED TO WAYS AND MEANS

Official Summary Text

Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze
Requires entities that access a consumer's consumer credit report to notify such consumer of their right to obtain a security freeze, in addition to other information necessary to place, temporarily lift or permanently lift such security freeze; prohibits notices to consumers of their right to obtain a security freeze from containing advertising for paid services.

Current Bill Text

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

                                          8906

                               2025-2026 Regular Sessions

                                  I N  A S S E M B L Y

                                      June 16, 2025
                                       ___________

        Introduced by M. of A. TORRES -- read once and referred to the Committee
          on Consumer Affairs and Protection

        AN ACT to amend the general business law, in relation to requiring enti-
          ties  that  access  a consumer's consumer credit report to notify such
          consumer of their right to obtain a security freeze

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

     1    Section  1.  Subdivision  (q) of section 380-t of the general business
     2  law is amended by adding two new paragraphs 3 and 4 to read as follows:
     3    (3) IN EACH INSTANCE WHERE AN ENTITY RECEIVES A CONSUMER CREDIT REPORT
     4  AUTHORIZED UNDER PARAGRAPH THREE OF SUBDIVISION  (A)  OF  SECTION  THREE
     5  HUNDRED EIGHTY-B OF THIS ARTICLE, SUCH ENTITY SHALL PROVIDE THE CONSUMER
     6  TO  WHICH  SUCH CONSUMER CREDIT REPORT RELATES WITH THE NOTICE SET FORTH
     7  IN PARAGRAPH ONE OF THIS SUBDIVISION  AND  WITH  ANY  OTHER  INFORMATION
     8  NECESSARY  TO  PLACE,  TEMPORARILY  LIFT  OR PERMANENTLY LIFT A SECURITY
     9  FREEZE, INCLUDING BUT NOT LIMITED TO THE ADDRESS,  TELEPHONE  NUMBER  OR
    10  POINT  OF  CONTACT  AT  WHICH CONSUMER CREDIT REPORTING AGENCIES RECEIVE
    11  SUCH SECURITY FREEZE REQUESTS.
    12    (4) IN NO INSTANCE SHALL A NOTICE TO A CONSUMER SENT PURSUANT TO  THIS
    13  SUBDIVISION CONTAIN OR BE SENT IN ACCOMPANIMENT WITH LANGUAGE OR MATERI-
    14  ALS ADVERTISING OR PROMOTING A PAID SERVICE OF ANY KIND.
    15    § 2. This act shall take effect immediately.




         EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                              [ ] is old law to be omitted.
                                                                   LBD10372-02-5