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 agencies and lenders from using late payments on cashless toll systems (like E-ZPass) when determining a person's credit score. It amends New York's General Business Law and Banking Law to explicitly ban this practice, requiring lenders to stop collecting or reporting such toll payment history. The law directly affects consumers who have experienced late toll payments but are not penalized for them in credit decisions. It takes effect immediately upon enactment.