S 2198: Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness.
What S 2198 does, verified January 8, 2026
The bill aims to protect consumers from having their late payment of cashless tolls used against them when determining their credit worthiness. It prohibits consumer reporting agencies and lenders from using such information to assess an individual's credit standing or capacity. The bill also ensures that credit scoring formulas do not include variables accounting for late payment of cashless tolls. The provisions of the bill take effect immediately.
Bill journey
1IntroducedCurrent
2In CommitteePending
3First Chamber FloorPending
4Second ChamberPending
5GovernorPending
6ChapteredPending
Last action: REFERRED TO CONSUMER PROTECTION (2026-01-07)Alert me
Quick answers about S 2198
- What is the current status of S 2198?
- As of January 8, 2026, S 2198 is recorded as "Introduced": it has been introduced and is waiting for its first committee hearing or floor vote. The last recorded action, on January 7, 2026, was "REFERRED TO CONSUMER PROTECTION".
- Did S 2198 pass?
- Not yet. S 2198 has been introduced and has not passed either house.
- Who wrote S 2198, and where is it now?
- S 2198 was authored by Sen. Leroy Comrie with 8 coauthors. Its committee of record is Assembly Consumer Affairs & Protection. It is filed under BNK, alongside 17 other New York BNK bills this session.
Author and sponsors
Full contact details, staff, and committees with Connect, $16/moUnlockRecent actions2 total · showing 2
| Jan. 07, 2026 | REFERRED TO CONSUMER PROTECTION |
| Jan. 15, 2025 | REFERRED TO CONSUMER PROTECTION |
Latest bill textIntroduced version, January 15, 2025 · 317 words
STATE OF NEW YORK ________________________________________________________________________ 2198 2025-2026 Regular Sessions IN SENATE January 15, 2025 ___________ Introduced by Sens. COMRIE, ADDABBO, BAILEY, KRUEGER, PERSAUD, SANDERS, STAVISKY -- read twice and ordered printed, and when printed to be committed to the Committee on Consumer Protection AN ACT to amend the general business law and the banking law, in relation to prohibiting a consumer reporting agency or lender from using an individual's late payment of cashless tolls to determine such individual's credit worthiness The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. Subparagraphs (viii) and (ix) of paragraph 1 of subdivision 2 (f) of section 380-j of the general business law, as amended by chapter 3 727 of the laws of 2023, are amended to read as follows: 4 (viii) information relating to a medical debt regardless of the date 5 it was incurred; [or] 6 (ix) late payments of any cashless tolls; or 7 (x) any other adverse information which antedates the report by more 8 than seven years. 9 § 2. Section 352 of the banking law is amended by adding a new ninth 10 undesignated paragraph to read as follows: 11 No licensee shall collect, evaluate, report or maintain in the file on 12 a borrower the borrower's late payment of cashless tolls as a factor to 13 determine the borrower's credit worthiness, credit standing or credit 14 capacity. The superintendent shall ensure that the credit scoring 15 formulas filed with the department do not contain variables which 16 account for late payment of cashless tolls as part of that formula by 17 asking the licensee to certify to that fact. 18 § 3. This act shall take effect immediately. EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD04317-01-5
Text of S 2198 as introduced, from the official record. Connect Plus keeps every version and highlights what changed.Compare versions