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Library cards for minors

I’m assuming the age requirement for youth cards varies widely even among NYS libraries, but what are the key determining legal factors which inform how libraries settle on an age range for this policy? I can think of three factors, and libraries likely conflate all of them together. I’d like to extrapolate the real legal concerns so that I can more clearly determine our own library’s circulation policies regarding permission for youth cards.

1. Is the signature to allow for “parent permission” to access the library? Are public libraries legally obligated to obtain parent permission before a child of a certain age accesses library materials or services? I’m assuming that the library would not be liable if, for example, staff allowed an 11-year-old without a library card to read any book they liked within the walls of the library. Does this apply to a child of any age? (I realize unaccompanied minors will eventually come into play). So, by extension, is granting an 11-year-old a library card without parent consent legally permissible?

2. Is the signature an acknowledgement of responsibility for the library materials on behalf of the child? Many library card applications prompt for this specifically, but according to NYS law, is a parent/guardian responsible for library materials checked out to a minor in their care regardless? (If a 15-year-old minor lost library materials or incurred fines or fees, would their parents still be legally responsible even without giving permission for the card?)

3. COPPA and the collection of PII (for online library card signup). Though not required as a non-profit, our library chooses to comply with this policy, requiring parent/guardian consent of online card signup for children 12 and under. Does this mean that a child aged 11 could still, within legal boundaries, apply for a library card in person without collecting consent?

Student photos on school library cards

Is it legal to print student photos with their names on their school library cards for circulation use?