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New YorkS 30722025-2026 Regular SessionSenateWALLET

Relates to the use of consumer credit history for certain purposes

Sponsored By: James Sanders Jr. (Democratic)

Became Law

CONSUMER PROTECTIONCONSUMER AFFAIRS AND PROTECTION

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 3 benefits, 0 costs, 0 mixed.

Licenses and permits can’t use credit

State and local agencies cannot ask for or use your credit history to issue licenses or permits. Agencies may use credit only if a state or federal law requires it, or if a lawful court order or subpoena applies. Agencies may consider unpaid taxes, fines, penalties, or fees when you admitted liability, have a judgment, or the tax is under a warrant, lien, or levy.

Employers mostly can’t use credit checks

Most employers, labor groups, and job agencies cannot ask for or use your credit history for hiring, pay, or job terms. Credit history means your credit report or score, account details, bankruptcies, judgments, or liens. Limited exceptions cover roles required by law, peace or police officers, bonded or clearance roles, certain appointed high‑trust posts, non‑clerical roles with regular access to trade secrets or intelligence, jobs that can change digital security, and roles with signatory or fiduciary power of $10,000 or more. Consumer reporting companies must leave out credit details from job reports unless an exception applies or a lawful subpoena or court order requires it. Stronger local laws still apply; the state rule controls only where they conflict.

State will track credit‑check exceptions

The Division of Human Rights must ask agencies and employers how they use the law’s hiring exemptions. It must report its findings to the Legislature within two years of the law’s effective date.

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: 46 • No: 21

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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