The proposed legislation additionally subjects customer reporting agencies to exams by DFS as frequently as the Superintendent determines is essential, and forbids agencies through the after:

• Straight or indirectly using any scheme, artifice or device to defraud or mislead a customer.
• Participating in any unjust, misleading or predatory work or training toward any customer or misrepresent or omit any product information associated with the installation, assessment, or upkeep of a credit history for a customer based in New York State.
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