---
type: "Bill"
title: "Prohibits a consumer reporting agency or lender from using certain information to determine an individual's credit worthiness"
description: "Prohibits a consumer reporting agency or lender from using the credit scores of members of an individual's social network to determine the credit worthiness of such individual."
jurisdiction: "us/states/ny"
legislature: "New York Legislature"
session: "2019-2020"
identifier: "A 5294"
citation: "New York A 5294 (2019-2020)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["CRESPO"]
version_count: 1
action_count: 13
vote_count: 2
first_action: "2019-02-08"
last_action: "2019-11-25"
source: "openstates"
source_identifier: "ocd-bill/5a2fef18-ce7b-4da7-bba4-28afd3d1acb6"
source_url: "http://www.nysenate.gov/legislation/bills/2019/A5294"
source_hash: "8bb719ab259d9a1453cf5ce76c47561e222e70a74d6eb88fdddeb0b63644df0e"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ny"]
---

# New York A 5294 (2019-2020) — Prohibits a consumer reporting agency or lender from using certain information to determine an individual's credit worthiness

Prohibits a consumer reporting agency or lender from using the credit scores of members of an individual's social network to determine the credit worthiness of such individual.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **A5294** (committee substitute) — [source](http://assembly.state.ny.us/leg/?sh=printbill&bn=A5294&term=2019&Text=Y)

## Votes

- Assembly Vote — **138–3** (pass) · lower
- Floor Vote — **61–1** (pass) · upper

## Sponsors

- CRESPO — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2019-02-08** REFERRED TO CONSUMER AFFAIRS AND PROTECTION `referral-committee`
- **2019-05-14** REPORTED REFERRED TO CODES `referral-committee`
- **2019-05-21** REPORTED
- **2019-05-23** ADVANCED TO THIRD READING CAL.415
- **2019-05-30** PASSED ASSEMBLY `passage`
- **2019-05-30** DELIVERED TO SENATE
- **2019-05-30** REFERRED TO CONSUMER PROTECTION `referral-committee`
- **2019-06-20** SUBSTITUTED FOR S2302
- **2019-06-20** 3RD READING CAL.546
- **2019-06-20** PASSED SENATE `passage`
- **2019-06-20** RETURNED TO ASSEMBLY
- **2019-11-19** DELIVERED TO GOVERNOR `executive-receipt`
- **2019-11-25** SIGNED CHAP.540 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/5a2fef18-ce7b-4da7-bba4-28afd3d1acb6`. Confidence: reported (aggregated from official New York legislature records).