STATE OF NEW YORK ________________________________________________________________________ 2484 2021-2022 Regular Sessions IN ASSEMBLY January 19, 2021 ___________ Introduced by M. of A. NIOU, BARRON, EICHENSTEIN, KIM, DINOWITZ, ENGLE- BRIGHT, EPSTEIN, FRONTUS, RICHARDSON, FALL, SAYEGH, D. ROSENTHAL, SOLAGES, ABINANTI, PRETLOW, REYES, STECK -- Multi-Sponsored by -- M. of A. MANKTELOW -- read once and referred to the Committee on Consumer Affairs and Protection AN ACT to amend the general business law, in relation to requiring cred- it reporting agencies contact consumers when an inquiry is made into their credit history 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 and electronic mail. Once notified, the consumer may 6 contact the consumer reporting agency who shall provide such consumer 7 with the name of the person that requested the report, the nature of the 8 request, the date of the request, and the amount of any potential loan, 9 if known. Such consumer shall provide the consumer reporting agency 10 sufficient proof of identification pursuant to subdivision (t) of 11 section three hundred eighty-a of this article before the consumer may 12 receive any information in accordance with this subdivision. 13 § 2. This act shall take effect on the ninetieth day after it shall 14 have become a law. EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD04626-01-1