Reyes, Burdick, De Los Santos, Cunningham, Alvarez
MLTSPNSR
Amd §380-d, Gen Bus L
Requires that consumer reporting agencies contact consumers when a request is made for their consumer reports; requires consumer reporting agencies to provide the consumer with information pertaining to the entity that requested the consumer report.
STATE OF NEW YORK
________________________________________________________________________
6862
2025-2026 Regular Sessions
IN ASSEMBLY
March 14, 2025
___________
Introduced by M. of A. EPSTEIN, REYES, BURDICK, DE LOS SANTOS, CUNNING-
HAM -- read once and referred to the Committee on Consumer Affairs and
Protection
AN ACT to amend the general business law, in relation to requiring
consumer reporting agencies to contact consumers when requests are
made for their consumer reports
The People of the State of New York, represented in Senate and Assem-bly, do enact as follows:
1 Section 1. Section 380-d of the general business law is amended by
2 adding a new subdivision (a-1) to read as follows:
3 (a-1) Every consumer reporting agency shall, upon the occurrence of a
4 consumer report requested on any consumer, notify such consumer of the
5 request by mail or electronic mail to the extent practicable. Once
6 notified, the consumer may contact the consumer reporting agency who
7 shall provide, upon the request of such consumer, the name of the person
8 or entity that requested the report, the nature of the request, the date
9 of the request, and the amount of any potential loan relating to such
10 request, to the greatest extent practicable. Such consumer shall provide
11 the consumer reporting agency sufficient proof of identification pursu-
12 ant to subdivision (t) of section three hundred eighty-a of this article
13 before the consumer may receive any information in accordance with this
14 subdivision.
15 § 2. This act shall take effect on the ninetieth day after it shall
16 have become a law.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD04954-01-5
