Prohibits consumer reporting agencies and lenders from using an individual's late payment of cashless tolls to determine their credit worthiness

This bill prohibits credit bureaus and lenders from using late payments for cashless tolls when assessing an individual's credit score or loan eligibility. It directly affects consumers who have missed toll payments and requires credit agencies to remove this data from credit reports. Key provisions amend New York's business and banking laws to explicitly ban the collection, evaluation, or reporting of cashless toll payment history as a credit factor. The law takes effect immediately, ensuring lenders cannot consider these late tolls in credit decisions.