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Bill

A 4521

Relates to the definition of "protected consumer"

2025 Regular Session Introduced by Alicia Hyndman and 1 co-sponsor

Bill A 4521 expands "protected consumer" to include minors under 16 and those with mental disabilities, enhancing safeguards against identity theft and fraud.

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WeVote Research Nonpartisan
Bill Summary · A 4521

Summary of Bill A 4521: Relating to the Definition of "Protected Consumer"

Bill Overview

  • Bill Number: A 4521
  • Title: Relates to the definition of "protected consumer"
  • Status: Returned to Assembly
  • Introduced On: February 04, 2025
  • Classification: Bill

Purpose and Intent

Bill A 4521 aims to clarify and expand the definition of "protected consumer" within the context of consumer protection laws. The intent is to enhance the safeguards available to vulnerable populations, particularly minors and individuals with certain disabilities, against identity theft and fraud.

Key Provisions

  • Expanded Definition: The bill proposes to broaden the criteria for who qualifies as a "protected consumer." This includes:
    • Individuals under the age of 16
    • Individuals who are unable to consent due to mental incapacity
  • Consumer Protection Measures: By redefining "protected consumer," the bill seeks to ensure that additional protections are in place for these groups, including:
    • Enhanced privacy measures
    • Restrictions on the sharing of personal information
    • Increased penalties for violations of consumer protection laws affecting these individuals

Impact

  • Affected Populations: The bill primarily affects:
    • Minors (under 16 years of age)
    • Individuals with mental disabilities
  • Consumer Protection Agencies: Agencies responsible for enforcing consumer protection laws will need to adjust their practices and policies to align with the new definition.
  • Businesses and Organizations: Companies that handle consumer data may face additional compliance requirements to protect the information of "protected consumers."

Legislative Timeline

  • February 04, 2025: Bill introduced and referred to the Consumer Affairs and Protection Committee.
  • February 24, 2025: Reported and referred to Rules.
  • May 21, 2025:
    • Passed in the Assembly.
    • Delivered to the Senate.
    • Referred to the Consumer Protection Committee.
  • June 11, 2025:
    • Substituted for S6722.
    • Passed in the Senate.
    • Returned to the Assembly.

Related Bills

  • A 8619, A 2763, A 865, A 5674, A 2578: Prior-session bills that may have addressed similar issues.
  • S 6722: Companion bill in the Senate that aligns with the objectives of A 4521.

Conclusion

Bill A 4521 represents a significant step towards enhancing consumer protections for vulnerable populations. By redefining "protected consumer," the bill aims to mitigate risks associated with identity theft and fraud, ensuring that minors and individuals with disabilities receive the necessary safeguards in an increasingly digital world. The bill's progress through the legislative process reflects ongoing efforts to strengthen consumer rights and protections.

Compiled from official sources — confirm details with the bill’s official record.

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