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S6446 • 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
Rachel May
Last action
2026-06-05
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. 2026-06-05 Senate

    COMMITTED TO RULES

  2. 2026-03-19 Senate

    ADVANCED TO THIRD READING

  3. 2026-03-18 Senate

    2ND REPORT CAL.

  4. 2026-03-17 Senate

    1ST REPORT CAL.544

  5. 2026-01-07 Assembly

    DIED IN ASSEMBLY

  6. 2026-01-07 Assembly

    RETURNED TO SENATE

  7. 2026-01-07 Senate

    REFERRED TO CONSUMER PROTECTION

  8. 2025-06-17 Assembly

    SUBSTITUTED FOR A8906

  9. 2025-06-17 Assembly

    ORDERED TO THIRD READING RULES CAL.923

  10. 2025-06-11 Senate

    PASSED SENATE

  11. 2025-06-11 Senate

    DELIVERED TO ASSEMBLY

  12. 2025-06-11 Assembly

    REFERRED TO CONSUMER AFFAIRS AND PROTECTION

  13. 2025-05-08 Senate

    ADVANCED TO THIRD READING

  14. 2025-05-07 Senate

    2ND REPORT CAL.

  15. 2025-05-06 Senate

    1ST REPORT CAL.946

  16. 2025-03-14 Senate

    REFERRED TO CONSUMER PROTECTION

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
        ________________________________________________________________________

                                          6446

                               2025-2026 Regular Sessions

                                    I N  S E N A T E

                                     March 14, 2025
                                       ___________

        Introduced  by  Sen.  MAY  --  read  twice and ordered printed, and when
          printed to be committed to the Committee on Consumer 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