Senate Bill S6446

2025-2026 Legislative Session

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

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

Do you support this bill?

Please enter your contact information

Home address is used to determine the senate district in which you reside. Your support or opposition to this bill is then shared immediately with the senator who represents you.

Optional services from the NY State Senate:

Create an account. An account allows you to officially support or oppose key legislation, sign petitions with a single click, and follow issues, committees, and bills that matter to you. When you create an account, you agree to this platform's terms of participation.

Include a custom message for your Senator? (Optional)

Enter a message to your senator. Many New Yorkers use this to share the reasoning behind their support or opposition to the bill. Others might share a personal anecdote about how the bill would affect them or people they care about.
Actions

2025-S6446 (ACTIVE) - Details

Current Committee:
Senate Consumer Protection
Law Section:
General Business Law
Laws Affected:
Amd §380-t, Gen Bus L

2025-S6446 (ACTIVE) - Summary

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.

2025-S6446 (ACTIVE) - Sponsor Memo

2025-S6446 (ACTIVE) - Bill Text download pdf 

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

Comments

Open Legislation is a forum for New York State legislation. All comments are subject to review and community moderation is encouraged.

Comments deemed off-topic, commercial, campaign-related, self-promotional; or that contain profanity, hate or toxic speech; or that link to sites outside of the nysenate.gov domain are not permitted, and will not be published. Attempts to intimidate and silence contributors or deliberately deceive the public, including excessive or extraneous posting/posts, or coordinated activity, are prohibited and may result in the temporary or permanent banning of the user. Comment moderation is generally performed Monday through Friday. By contributing or voting you agree to the Terms of Participation and verify you are over 13.

Create an account. An account allows you to sign petitions with a single click, officially support or oppose key legislation, and follow issues, committees, and bills that matter to you. When you create an account, you agree to this platform's terms of participation.