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New YorkS 30722025-2026 Regular SessionSenate

Relates to the use of consumer credit history for certain purposes

Sponsored By: James Sanders Jr. (Democratic)

Signed by Governor

CONSUMER PROTECTIONCONSUMER AFFAIRS AND PROTECTION

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

License applicants gain credit history protections

Beginning 120 days after enactment, New York state and municipal agencies generally cannot request or use credit history for licenses or permits. They can still use it when state or federal law requires it. Agencies can consider unpaid taxes, fines, penalties, or fees when liability is admitted or established by a court or administrative tribunal. They can also consider taxes covered by government warrants, and property liens or levies. Licensing agencies can request, receive, or use information from lawful subpoenas, court orders, or specific law-enforcement investigations.

Workers gain protection from credit checks

Beginning 120 days after enactment, New York generally bars employers, unions, employment agencies, and their agents from requesting or using credit history. They cannot base hiring, pay, or other job terms on that history. Protected information includes credit reports, scores, and credit-account details collected directly from workers, plus bankruptcies, judgments, and liens. Employment reports must be based on financial transactions and generally exclude credit details, except for employers covered by the exemptions. Exceptions cover checks required by state or federal law or a qualifying securities self-regulatory organization. Police and peace officer jobs are also exempt. For jobs requiring state-agency background checks, credit history can affect appointment only when the job involves high public trust. Other exceptions cover legally required bonding or security clearance, and non-clerical jobs with regular access to protected secrets or intelligence. Access to client, customer, or mailing lists alone does not count as access to trade secrets. Financial exceptions cover signing authority over third-party funds or assets worth at least $10,000. They also cover authority to enter financial agreements worth at least $10,000 on an employer’s behalf. Jobs with regular duties allowing changes to employer or client digital security systems are exempt. Lawful subpoenas, court orders, law-enforcement investigations, and required public-employee conflict disclosures remain allowed. Stronger local protections remain in place. The Division of Human Rights must gather information about employment exemptions and report within two years after the law takes effect.

Sponsors & Cosponsors

Sponsor

  • James Sanders Jr.

    Democratic • Senate

Cosponsors

  • Andrew Gounardes

    Democratic • Senate

  • Brad Hoylman-Sigal

    Democratic • Senate

  • Cordell Cleare

    Democratic • Senate

  • Gustavo Rivera

    Democratic • Senate

  • Jessica Ramos

    Democratic • Senate

  • Leroy Comrie

    Democratic • Senate

  • Liz Krueger

    Democratic • Senate

  • Rachel May

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 144 • No: 67

House vote • 5/28/2025

Assembly floor vote

Yes: 98 • No: 46

Senate vote • 4/3/2025

FLOOR Vote

Yes: 40 • No: 20

committee vote • 2/11/2025

Consumer Protection Committee Vote

Yes: 6 • No: 1

Actions Timeline

  1. APPROVAL MEMO.61

    12/19/2025Senate

  2. SIGNED CHAP.681

    12/19/2025Senate

  3. DELIVERED TO GOVERNOR

    12/8/2025Senate

  4. RETURNED TO SENATE

    5/28/2025House

  5. PASSED ASSEMBLY

    5/28/2025House

  6. ORDERED TO THIRD READING CAL.124

    5/12/2025House

  7. SUBSTITUTED FOR A1316

    5/12/2025House

  8. REFERRED TO CONSUMER AFFAIRS AND PROTECTION

    4/3/2025House

  9. DELIVERED TO ASSEMBLY

    4/3/2025Senate

  10. PASSED SENATE

    4/3/2025Senate

  11. ADVANCED TO THIRD READING

    2/24/2025Senate

  12. 2ND REPORT CAL.

    2/12/2025Senate

  13. 1ST REPORT CAL.317

    2/11/2025Senate

  14. REFERRED TO CONSUMER PROTECTION

    1/23/2025Senate

Bill Text

  • Original

    1/23/2025

    PDF

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