SB 389 — An Act amending the act of December 16, 1992 (P.L.1144, No.150), known as the Credit Services Act, further providing for prohibited activities.

PRINTER'S NO.   335

                     THE GENERAL ASSEMBLY OF PENNSYLVANIA



                        SENATE BILL
                        No. 389
                                               Session of
                                                 2025

     INTRODUCED BY BOSCOLA, STREET, SAVAL, FONTANA, COMITTA, KEARNEY,
        SCHWANK, COLLETT, TARTAGLIONE, COSTA, HAYWOOD, KANE AND
        SANTARSIERO, MARCH 6, 2025

     REFERRED TO BANKING AND INSURANCE, MARCH 6, 2025


                                    AN ACT
 1   Amending the act of December 16, 1992 (P.L.1144, No.150),
 2      entitled "An act regulating credit services; prohibiting
 3      certain activities; providing for certain information to be
 4      given to buyers, for the contents of contracts and for
 5      enforcement; prohibiting advance fees by loan brokers; and
 6      providing penalties," further providing for prohibited
 7      activities.
 8      The General Assembly of the Commonwealth of Pennsylvania
 9   hereby enacts as follows:
10      Section 1.    Section 3 of the act of December 16, 1992
11   (P.L.1144, No.150), known as the Credit Services Act, is amended
12   by adding a paragraph to read:
13   Section 3.   Prohibited activities.
14      A credit services organization and its salespersons, agents
15   and representatives who sell or attempt to sell the services of
16   a credit services organization shall not do any of the
17   following:
18          * * *
19          (6)   (i)   Based on sexual orientation, gender identity or
20          expression:
 1                    (A)   Deny credit to a person.
 2                    (B)   Increase the charges or fees for or
 3             collateral required to secure credit extended to a
 4             person.
 5                    (C)   Restrict the amount or use of credit
 6             extended or to impose different terms or conditions
 7             with respect to the credit extended to a person or an
 8             item or service related to the credit extended.
 9                    (D)   Attempt to do any of the prohibited actions
10             under clause (A), (B) or (C).
11             (ii)    Nothing in this paragraph shall be construed to
12        prohibit a credit services organization from:
13                    (A)   Considering the credit history of a buyer.
14                    (B)   Applying the community property laws to the
15             individual case of a buyer or from taking reasonable
16             action on those laws.
17    Section 2.    This act shall take effect in 60 days.




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