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Senate bill · S6446 (2025-26)

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

New York State Senate

Same as A8906, the matching bill in the Assembly.

PassedLatest action Jun 5, 2026

Sponsor: Rachel May (State Senator, District 48, Democratic/Working Families)

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From NY Open Legislation, the NY Senate and Assembly, and official rosters. This record was last updated Oct 20, 2026. About our data

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.

Summary from NY Open Legislation. How we handle summaries

Amends the General Business Law.

Purpose, from the sponsor's memo

Section 1 amends section 380-t of the general business law to require entities that receive credit reports to provide credit freeze informa- tion to consumers. Section 2 is the effective date.

Filed with the bill. Read it on nysenate.gov (opens in a new tab)

Where it stands

Passed the legislature and is awaiting a signature.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

Consumer Affairs and Protection · New York State Assembly

Also referred to Consumer Protection · New York State Senate.

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Cosponsors

Showing the cosponsors who are on Agora, A to Z. The official record may list more.

Read on NY Senate (opens in a new tab)
  • Democratic2

Shown in neutral colors by design; Agora is non-partisan.

The sponsor's argument

Why Rachel May says this is needed

Everyone has a credit report, and regardless of their credit score, this report exists and is used by companies when deciding whether to extend credit or not. However, people often find they have been victims of identity theft or fraud when they look at their credit report. A little-known tool to guard against identity theft and fraud is to place a "hold" on one's credit report with each of the three major credit reporting bureaus. This action stops fraudulent applications for new loans or credit lines under an innocent person's name. The freeze can be easily reversed at the consumer's request.

This is the sponsor's own case for the bill, quoted from their memorandum. It is not Agora's description of what the bill does.

Recorded votes

  • Vote: Committee vote · Consumer Protection

    Senate Consumer ProtectionMar 17, 2026Result: passed

    (7) (0) (0) (0)

  • Vote: Floor vote

    NY SenateJun 11, 2025Result: passed

    (53) (6) (0) (4)

  • Vote: Committee vote · Consumer Protection

    Senate Consumer ProtectionMay 6, 2025Result: passed

    (7) (0) (0) (0)

Full history

  1. Jun 5, 2026

    In committee

    COMMITTED TO RULES

    NY Senate

  2. May 13, 2026

    Sent to the executive

    DELIVERED TO SENATE

    NY Assembly

  3. May 13, 2026

    Passed a chamber

    PASSED ASSEMBLY

    NY Assembly

  4. May 13, 2026

    Referred to committee

    REFERRED TO CONSUMER PROTECTION

    NY Senate

  5. Mar 19, 2026

    Advanced to Third Reading

    ADVANCED TO THIRD READING

    NY Senate

Show full history (16 earlier events)
  1. Mar 18, 2026

    2ND Report CAL.

    2ND REPORT CAL.

    NY Senate

  2. Mar 17, 2026

    1ST Report CAL.544

    1ST REPORT CAL.544

    NY Senate

  3. Jan 7, 2026

    Died in Assembly

    DIED IN ASSEMBLY

    NY Assembly

  4. Jan 7, 2026

    Referred to committee

    REFERRED TO CONSUMER PROTECTION

    NY Senate

  5. Jun 17, 2025

    Ordered to Third Reading Rules CAL.923

    ORDERED TO THIRD READING RULES CAL.923

    NY Assembly

  6. Jun 17, 2025

    Reported out of committee

    REPORTED REFERRED TO RULES

    NY Assembly

  7. Jun 17, 2025

    Substituted

    SUBSTITUTED FOR A8906

    NY Assembly

  8. Jun 16, 2025

    Reference Changed to Ways and Means

    REFERENCE CHANGED TO WAYS AND MEANS

    NY Assembly

  9. Jun 16, 2025

    Referred to committee

    REFERRED TO CONSUMER AFFAIRS AND PROTECTION

    NY Assembly

  10. Jun 11, 2025

    Sent to the executive

    DELIVERED TO ASSEMBLY

    NY Senate

  11. Jun 11, 2025

    Passed a chamber

    PASSED SENATE

    NY Senate

  12. Jun 11, 2025

    Referred to committee

    REFERRED TO CONSUMER AFFAIRS AND PROTECTION

    NY Assembly

  13. May 8, 2025

    Advanced to Third Reading

    ADVANCED TO THIRD READING

    NY Senate

  14. May 7, 2025

    2ND Report CAL.

    2ND REPORT CAL.

    NY Senate

  15. May 6, 2025

    1ST Report CAL.946

    1ST REPORT CAL.946

    NY Senate

  16. Mar 14, 2025

    Referred to committee

    REFERRED TO CONSUMER PROTECTION

    NY Senate

Read the record