# New York S 3072: Relates to the use of consumer credit history for certain purposes

New York S 3072, Relates to the use of consumer credit history for certain purposes, is a 2025-2026 Regular Session Senate bill sponsored by James Sanders Jr. (Democratic); status signed, last action 2025-12-19 (APPROVAL MEMO.61) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/NY-S3072-2025
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: New York S 3072
- State: New York
- Session: 2025-2026 Regular Session
- Title: Relates to the use of consumer credit history for certain purposes
- Status: signed
- Chamber: Senate
- Introduced: 2025-01-23
- Last action: 2025-12-19, APPROVAL MEMO.61
- Sponsor: James Sanders Jr. (Democratic)
- Cosponsors: 8
- Subjects: CONSUMER PROTECTION, CONSUMER AFFAIRS AND PROTECTION
- Touches household money: no
- Roll calls: 3 (144 yes, 67 no in all)
- Economic provisions PRIA read: 2

## Summary

No summary available.

## Bill overview: provisions PRIA read

- License applicants gain credit history protections: benefit, medium. 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…
- Workers gain protection from credit checks: benefit, medium. 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 d…

## Sponsors and cosponsors

- Sponsor: James Sanders Jr. (Democratic), Senate
- Cosponsor: Andrew Gounardes (Democratic), Senate
- Cosponsor: Brad Hoylman-Sigal (Democratic), Senate
- Cosponsor: Cordell Cleare (Democratic), Senate
- Cosponsor: Gustavo Rivera (Democratic), Senate
- Cosponsor: Jessica Ramos (Democratic), Senate
- Cosponsor: Leroy Comrie (Democratic), Senate
- Cosponsor: Liz Krueger (Democratic), Senate
- Cosponsor: Rachel May (Democratic), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-05-28 | House | Assembly floor vote | pass | 98 | 46 |   |
| 2025-04-03 | Senate | FLOOR Vote | pass | 40 | 20 |   |
| 2025-02-11 | committee | Consumer Protection Committee Vote | pass | 6 | 1 |   |

## Actions (14)

- 2025-12-19: APPROVAL MEMO.61 (Senate)
- 2025-12-19: SIGNED CHAP.681 (Senate)
- 2025-12-08: DELIVERED TO GOVERNOR (Senate)
- 2025-05-28: RETURNED TO SENATE (House)
- 2025-05-28: PASSED ASSEMBLY (House)
- 2025-05-12: ORDERED TO THIRD READING CAL.124 (House)
- 2025-05-12: SUBSTITUTED FOR A1316 (House)
- 2025-04-03: REFERRED TO CONSUMER AFFAIRS AND PROTECTION (House)
- 2025-04-03: DELIVERED TO ASSEMBLY (Senate)
- 2025-04-03: PASSED SENATE (Senate)
- 2025-02-24: ADVANCED TO THIRD READING (Senate)
- 2025-02-12: 2ND REPORT CAL. (Senate)
- 2025-02-11: 1ST REPORT CAL.317 (Senate)
- 2025-01-23: REFERRED TO CONSUMER PROTECTION (Senate)

## Bill text

- Original, 2025-01-23: [PDF](https://legislation.nysenate.gov/pdf/bills/2025/S3072)

## Related bills

- S 10643: Relates to labor peace agreements and the cannabis industry wage board; repealer (signed)
- S 9051: Prohibits artificial intelligence companions from using features which are considered unsafe for minors (signed)
- A 5175: Requires certain security features and warning labels on baby monitors (signed)
- A 11443: Relates to commercial food fish licenses (signed)
- A 10343: Relates to fees and expenses in unemployment insurance proceedings; extending effectiveness (signed)
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## Sources
- [Original (PDF)](https://legislation.nysenate.gov/pdf/bills/2025/S3072)

## Related
- [S 10643: Relates to labor peace agreements and the cannabis industry wage board; repealer](https://policyrisk.com/state-bill/NY-S10643-2025)
- [S 9051: Prohibits artificial intelligence companions from using features which are cons…](https://policyrisk.com/state-bill/NY-S9051-2025)
- [A 5175: Requires certain security features and warning labels on baby monitors](https://policyrisk.com/state-bill/NY-A5175-2025)
- [A 11443: Relates to commercial food fish licenses](https://policyrisk.com/state-bill/NY-A11443-2025)
- [A 10343: Relates to fees and expenses in unemployment insurance proceedings; extending e…](https://policyrisk.com/state-bill/NY-A10343-2025)
- [A 10052: Extends the effectiveness of the authority of the town of Red Hook to impose re…](https://policyrisk.com/state-bill/NY-A10052-2025)
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Source: PRIA, https://policyrisk.com/state-bill/NY-S3072-2025 (as of 2026-10-19).