Senate Bill S2198

2025-2026 Legislative Session

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

download bill text pdf

Sponsored By

Current Bill Status - In Senate Committee Consumer Protection Committee

  • Introduced
    • In Committee Assembly
    • In Committee Senate
    • On Floor Calendar Assembly
    • On Floor Calendar Senate
    • Passed Assembly
    • Passed Senate
  • Delivered to Governor
  • Signed By Governor

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2025-S2198 (ACTIVE) - Details

See Assembly Version of this Bill:
A3055
Current Committee:
Senate Consumer Protection
Law Section:
General Business Law
Laws Affected:
Amd §380-j, Gen Bus L; amd §352, Bank L
Versions Introduced in Other Legislative Sessions:
2017-2018: S7854
2019-2020: S2778
2021-2022: S3444, A9898
2023-2024: S1109, A1480

2025-S2198 (ACTIVE) - Summary

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

2025-S2198 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   2198
 
                        2025-2026 Regular Sessions
 
                             I N  S E N A T E
 
                             January 15, 2025
                                ___________
 
 Introduced  by Sens. COMRIE, ADDABBO, BAILEY, KRUEGER, PERSAUD, SANDERS,
   STAVISKY -- 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  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:
 
   Section 1. Subparagraphs (viii) and (ix) of paragraph 1 of subdivision
 (f) of section 380-j of the general business law, as amended by  chapter
 727 of the laws of 2023, are amended to read as follows:
   (viii)  information  relating to a medical debt regardless of the date
 it was incurred; [or]
   (ix) LATE PAYMENTS OF ANY CASHLESS TOLLS; OR
   (X) any other adverse information which antedates the report  by  more
 than seven years.
   §  2.  Section 352 of the banking law is amended by adding a new ninth
 undesignated paragraph to read as follows:
   NO LICENSEE SHALL COLLECT, EVALUATE, REPORT OR MAINTAIN IN THE FILE ON
 A BORROWER THE BORROWER'S LATE PAYMENT OF CASHLESS TOLLS AS A FACTOR  TO
 DETERMINE  THE  BORROWER'S  CREDIT WORTHINESS, CREDIT STANDING OR CREDIT
 CAPACITY.   THE SUPERINTENDENT SHALL  ENSURE  THAT  THE  CREDIT  SCORING
 FORMULAS  FILED  WITH  THE  DEPARTMENT  DO  NOT  CONTAIN VARIABLES WHICH
 ACCOUNT FOR LATE PAYMENT OF CASHLESS TOLLS AS PART OF  THAT  FORMULA  BY
 ASKING THE LICENSEE TO CERTIFY TO THAT FACT.
   § 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

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