reglab/housing_qa huggingface dataset:
NY Gen Bus L § 511 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 511 - Definitions.

§  511.  Definitions.  In  this article, unless the context or subject   matter otherwise requires:1. "Credit card" means and includes any  credit  card,  credit  plate,   charge  plate,  courtesy  card,  or  other identification card or device   issued by a person to another person which may be used to obtain a  cash   advance or a loan or credit or to purchase or lease property or services   on the credit of the issuer or of the holder;2.  "Person"  includes  an  individual,  corporation,  partnership  or   association, two or more persons having a joint or  common  interest  or   any other legal or commercial entity;3. "Issuer" means a person who issues a credit card or a debit card;4. "Holder" means a person to whom such a credit card or debit card is   issued or who has agreed with the issuer to pay obligations arising from   the use of a credit card or debit card issued to another person;5.  "Unauthorized use" means use of a credit card or a debit card by a   person other than the holder  who  does  not  have  actual,  implied  or   apparent  authority  from the holder for such use and from which use the   holder receives no benefit;6. "Seller" means any person who honors credit cards  or  debit  cards   which may be used to purchase or lease property or services;7. "Lender" means any person who honors credit cards which may be used   to obtain a cash advance or loan.8.  "Improper  use" means unauthorized use of a credit card or a debit   card or use of a revoked, cancelled, expired or forged  credit  card  or   debit  card  at  the  premises  of  a seller or lender, to obtain a cash   advance or loan, or to purchase or lease property  or  services,  or  an   attempt to do so;9.  "Debit card" means a card, plate or other similar device issued by   a person to another  person  which  may  be  used,  without  a  personal   identification  number,  code  or similar identification number, code or   similar identification, to purchase or lease property or  services.  The   term  does  not  include  a  credit  card  or  a check, draft or similar   instrument.10. "Secured credit card" means any credit card for  which  an  issuer   takes  a  pledge  of  a specifically identified interest-bearing deposit   account as provided in section four hundred  thirteen  of  the  personal   property law.
NY Gen Bus L § 511-A (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 511-A - Additional Definition.

§  511-a.  Additional definition. For purposes of this article "credit   card" shall also mean any number assigned to a credit card.
NY Gen Bus L § 512 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 512 - Limitation of Liability for Unauthorized Use of a Credit Card or a Debit Card.

§  512.  Limitation of liability for unauthorized use of a credit card   or a debit card. A provision which imposes liability upon a holder for a   cash advance or loan or  for  the  purchase  or  lease  of  property  or   services  obtained  by  the unauthorized use of a credit card or a debit   card shall not be enforceable to the extent that it  imposes  a  greater   liability  upon  the  holder than is imposed upon the holder of a credit   card under the provisions of the act  of  congress  entitled  "Truth  in   Lending Act" and the regulations thereunder, as such act and regulations   may from time to time be amended.
NY Gen Bus L § 513 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 513 - Injunctive Relief.

§  513. Injunctive relief. Whenever the attorney general has reason to   believe that any violation of this article is a continuous practice,  he   may  apply to the supreme court in any county wherein any such violation   occurred for the purpose of restraining and enjoining the continuance of   such violations.
NY Gen Bus L § 514 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 514 - Defenses.

§  514.  Defenses.  1. In any action for a cash advance or loan or for the purchase or lease of property or  services  through  the  use  of  a credit card or a debit card, it shall be a defense that such obligation  (a) arose out of the unauthorized use of a credit card or a debit card which was not delivered to the holder; or  (b)  arose  subsequent  to  the  giving of notice by the holder to the issuer of the unauthorized use, loss or theft, of such  credit  card  or debit card; or  (c)  is  in excess of the limitation of liability for the unauthorized use of a credit card provided in the act of congress entitled "Truth  in Lending Act" and the regulations thereunder, as such act and regulations may from time to time be amended.   2. If any of the defenses set forth in subdivision one of this section be  established,  the court shall order the issuer to pay the reasonable attorney's fees incurred in the defense of the action if the court finds  (a) that the holder has cooperated with the issuer in determining  the facts  and  circumstances  relating  to  such  unauthorized use, loss or theft, of the credit card or debit card; and  (b) that notwithstanding such cooperation with the issuer, the  issuer has brought the action without reasonable cause.
NY Gen Bus L § 515 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 515 - Issuance of Credit Cards.

§  515.  Issuance  of  credit  cards.  1.  Notwithstanding  any  other   provision of law, no person shall issue a credit card  in  violation  of   the provisions of an act of congress entitled "Truth in Lending Act" and   the regulations thereunder, as such act and regulations may from time to   time be amended.2.  The  issuance  of  a credit card in violation of the provisions of   subdivision one of this section shall constitute a misdemeanor.
NY Gen Bus L § 516 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 516 - Improper Use of Credit Cards or Debit Cards; Defense of Lawful Detention.

§  516. Improper use of credit cards or debit cards; defense of lawful   detention. In any action for false arrest, false imprisonment,  unlawful   detention,  defamation  of  character, assault, trespass, or invasion of   civil rights, brought by any person by reason of having been detained on   or in the immediate vicinity of the premises  of  a  seller,  lender  or   issuer,  for  the  purpose  of  investigation  or  questioning as to the   ownership, possession, validity or use of a credit card or  debit  card,   it  shall  be a defense to such action that the person was detained in a   reasonable manner and for not more than a reasonable time to permit such   investigation or questioning by a peace officer, acting pursuant to  his   special  duties, or a police officer, or by a person acting on behalf of   or by such seller, lender or issuer,  and  that  such  officer,  person,   seller,  lender  or  issuer  had  reasonable grounds to believe that the   person so detained was using or attempting to use  a  stolen  or  forged   credit  card  or debit card or was making or attempting to make unlawful   use of a credit card or debit card. As used in this section, "reasonable   grounds" shall include, but not be limited to, knowledge that the credit   card or debit card has been, or has been reported to be,  lost,  stolen,   revoked,  cancelled, or forged and knowledge that the person had used or   attempted to use the credit card or debit  card  to  purchase  or  lease   property  or  services  or  to  obtain a cash advance, and a "reasonable   time" shall mean the time necessary to permit  the  person  detained  to   make  a  statement  or  to  refuse  to  make  a  statement, and the time   necessary to examine employees and records of the seller, lender, issuer   or holder relative to whether improper use was being made of the card.
NY Gen Bus L § 517 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 517 - Statements of Account.

§  517. Statements of account. No agreement between the issuer and the   holder shall contain any provision that a statement sent by  the  issuer   to  the  holder  shall  be  deemed  correct  unless objected to within a   specified period of time. Any such provision is  against  public  policy   and shall be of no force or effect.
NY Gen Bus L § 518 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 518 - Credit Card Surcharge Prohibited.

§  518.  Credit  card  surcharge  prohibited.  No  seller in any sales   transaction may impose a surcharge on a  holder  who  elects  to  use  a   credit card in lieu of payment by cash, check, or similar means.Any seller who violates the provisions of this section shall be guilty   of a misdemeanor punishable by a fine not to exceed five hundred dollars   or a term of imprisonment up to one year, or both.
NY Gen Bus L § 518-A (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 518-A - Presentment of Social Security Number as Condition for Accepting a Check, Traveler's Check, Gift Certificate, Money Order or Other Negotiable Instrume

§  518-a.  Presentment  of  social  security  number  as condition for   accepting a check, traveler's check, gift certificate,  money  order  or   other  negotiable instrument in payment of sales transaction prohibited.   1. No  seller  in  any  sales  transaction  shall  record  on  a  check,   traveler's  check,  gift  certificate,  money  order,  other  negotiable   instrument or attachment thereto, a social security number of a buyer in   such transaction as a condition for accepting such instrument as payment   in  such  transaction.  Nothing  contained  in  this  subdivision  shall   prohibit  a  seller  from  so  recording  the  identifying number from a   buyer's driver's license where such number is identical to or is a  part   of the buyer's social security number.2.  A  violation of the provisions of this section shall be punishable   by a civil fine not to exceed one hundred dollars for a first  violation   and not to exceed two hundred fifty dollars for subsequent violations.
NY Gen Bus L § 519 (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 519 - Disclosure by Commercial Establishments Honoring Credit Cards.

§  519. Disclosure by commercial establishments honoring credit cards.   1. Any person who honors credit cards that may be used  to  purchase  or   lease property on the credit of the issuer or of the holder and requires   a minimum purchase before accepting credit cards or refuses to allow the   use  of such card on discounted or sale items must post such limitations   or conditions conspicuously and in all advertisements that mention  that   credit  cards  are  accepted.  The disclosure provisions with respect to   these requirements shall be satisfied if the retail  installment  credit   agreement  discloses the fact that the use of the credit card requires a   minimum purchase or shall not be used to purchase sale items, or if  the   issuer of the credit card notifies the holder in writing that the use of   the  card requires a minimum purchase or that the card shall not be used   to purchase sale items. This section shall not apply to minimum purchase   requirements or other restrictions which are  applicable  regardless  of   the method of payment.2.  Any  person  violating  the  provisions  of  this section shall be   subject to a civil fine of not more than  one  hundred  dollars  on  the   first  violation  and  not  more  than  two hundred fifty dollars on the   second and all subsequent violations.3. This section does not annul, alter, affect  or  exempt  any  person   subject  to the provisions of this section from complying with the laws,   ordinances, rules or regulations of any locality relating to  disclosure   of  limitations  and  conditions of credit card purchases, except to the   extent that those local  laws,  ordinances,  rules  or  regulations  are   inconsistent  with  any  provision  of this section and then only to the   extent of the inconsistency.  However, any local law, ordinance, rule or   regulation shall not be considered inconsistent with  any  provision  of   this  section  if  such  local  law, ordinance, rule or regulation gives   greater protection to the consumer.
NY Gen Bus L § 520-B (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 520-B - Secured Credit Cards.

§  520-b.  Secured  credit  cards. 1. If an issuer or any other person uses a 900 telephone number to solicit or market a secured  credit  card to  an  individual  residing  in  this state, or otherwise advertises or promotes the availability of a secured credit card through use of a  900 telephone  number to an individual residing in this state, the issuer or other person must disclose all  of  the  following  terms  that  may  be applicable:  (a)  either  the flat fee charged for the call or the cost of the call per minute and the anticipated number of minutes for such call;  (b) the  fact  that  the  fee  described  in  paragraph  (a)  of  this subdivision is refundable in its entirety, at the consumer's request, if for whatever reason the consumer does not get a secured credit card; and  (c)  the  fact  that no fees may be imposed or collected, other than a refundable fee for a 900 telephone number, until the consumer has  asked the  issuer  to  open a credit card account and the issuer has agreed to open such an account under the terms and conditions of the offer.   2. The disclosures required by subdivision one of this  section  shall be  provided  before  the  900  telephone  number  call is placed by the consumer. Such disclosures shall be provided clearly and conspicuously.   3. An issuer of a secured credit card shall, either prior to or at the time of issuance, disclose the minimum amount of money the consumer must keep on deposit to qualify for such a card, the interest  that  will  be paid  on  said  deposit,  and the amount of credit that will be extended either in absolute terms or expressed as a percentage of such deposit.   4. In connection with any application or solicitation  for  a  secured credit  card, no person shall impose any fee or charge as an application fee, set-up fee, credit review fee, search fee, or any other fee by  any other  name prior to, contemporaneous with, or incidental to the opening of such a secured credit card agreement. Provided, however, that nothing contained herein shall prohibit  an  issuer  from  contracting  for  and imposing  any  fees  and  charges  authorized  by  section  four hundred thirteen of the personal property law and provided further that  nothing contained herein shall prohibit solicitation for such a card by use of a 900 telephone number pursuant to the provisions of this section.
NY Gen Bus L § 520-C (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 520-C - Credit Information.

§  520-c.  Credit information. 1. The department of financial services shall establish a telephone number  and  an  area  on  its  website,  or provide a link on such site to other websites with a toll-free telephone number  service  at  which  customers  may  obtain information on annual percentage rates, annual fees,  per-transaction  charges,  late  payment fees,  overlimit  fees  and grace periods for credit cards to the extent readily available to the department. Every issuer  of  credit  cards  to natural  persons  residing  in  this  state  shall  set  forth  on  each solicitation,  application  and  monthly  billing  statement  mailed  or otherwise  presented  to  such  persons,  a  notice  stating  "New  York residents may  contact  the  New  York  state  department  of  financial services  by  telephone  or  visit  its  website for free information on comparative credit card rates, fees  and  grace  periods."  Such  notice shall  be  printed on the same side as the disclosure of rates, fees and charges, in case of the solicitations and applications, and on the  same side  as the notice of the balance of the account and the amount due are printed,  in  the  case  of   the   monthly   billing   statement.   The superintendent of financial services shall prescribe the web address and telephone  number  to be printed next to the notice. The notice shall be in type no smaller than eight points. The telephone number of the credit card issuer shall appear higher up on the page and in the type at  least as  large as that provided for the telephone number of the department of financial services. Issuers shall include such notice in materials  sent to  residents  of  this  state as required under this section commencing October first, nineteen hundred ninety-four.   2. The superintendent of financial services  is  authorized  to  adopt such  rules  and  regulations  as consistent with the provisions of this section.   3. For the purposes of this section:  (a) "Credit card" means any card issued pursuant to an agreement which allows the holder of the card to obtain goods and services on the credit of the issuer; and  (b) "Issuer" means any bank, trust company, savings bank, savings  and loan  association,  or  branch  of  a  foreign  banking  corporation the deposits  of  which  are  insured  by  the  federal  deposit   insurance corporation,  which  is  incorporated,  chartered, organized or licensed under the laws of this state or any other state or  the  United  States, which issues credit cards to natural persons residing in this state.   4.  The authority of the superintendent of financial services pursuant to sections thirty-nine and forty-four of the banking law  shall  extend to violations of this section by any issuer.
NY Gen Bus L § 520-D (2021)
2021 New York Laws GBS - General Business Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards 520-D - Unsolicited Convienence Checks.

§  520-d.  Unsolicited convenience checks. 1. As used in this section, the following terms shall have the following meanings:  (a) "check" means any negotiable instrument,  as  defined  by  section 3-104  of  the  uniform  commercial  code,  that has imprinted on it the holder's name and  the  depository  institution's  name,  location,  and routing number.  (b)  "unsolicited check" means any check mailed or otherwise delivered to a holder by an issuer or agent acting on behalf of an issuer for  the purpose of drawing on an existing account that is an extension of credit or activating an account to obtain credit other than:  (1) in response to a request or application for a check or account; or  (2)  as  a  substitute for a check or account previously issued to the person to whom the check is mailed or otherwise delivered.   2. No holder in whose name an unsolicited check  is  issued  shall  be liable  for  any  amount  resulting  from  use of that check or account, unless the holder has accepted the check or account by using  the  check or  account. Failure to destroy or return an unsolicited check shall not constitute acceptance of the check or account.   3. Any agreement entered into by a  holder  which  waives,  limits  or disclaims the rights set forth in this section shall be void as contrary to public policy.
NY Gen Bus L § 521 (2021)
2021 New York Laws GBS - General Business Article 29-AAA - Credit Card Registration Services 521 - Definitions.

§ 521. Definitions. As used in this article:1. "Consumer" means a natural person.2.  "Subscriber"  means a consumer who is solicited to purchase or who   purchases the services of a credit card registration service.3. "Person" means  any  individual,  firm,  partnership,  corporation,   association or other legal entity.4. "Credit card registration service" means any person who provides to   subscribers for a fee services including, but not limited to, any of the   following:  maintenance  of a registry of credit cards or access devices   owned by a subscriber; notification on behalf of a  subscriber  to  card   issuers  or  financial  institutions  that  any of a subscriber's credit   cards or access devices have  been  lost  or  stolen;  assistance  to  a   subscriber   in   obtaining   new  cards  or  access  devices  when  the   subscriber's cards or access devices  have  been  lost  or  stolen;  and   notification  on  behalf  of  a  subscriber to card issuers or financial   institutions that a  subscriber's  address  has  changed.  If  a  person   contracts with another for the other to provide credit card registration   services,  the actual provider of the service and not the offeror of the   service shall be deemed to be the credit card registration  service  and   subject to the provisions of this article.5.  "Credit  card"  means  and includes any credit card, credit plate,   charge plate, courtesy card, or  other  identification  card  or  device   which  may  be  used  to obtain a cash advance or a loan or credit or to   purchase or lease property or services on the credit of the issuer or of   the holder.6. "Access device" means a card, code, or other means of access  to  a   consumer's  account, or any combination thereof, that may be used by the   consumer for the purpose of initiating electronic fund transfers.7. "Contract for services" means a contract between a subscriber and a   credit  card  registration  service  under   which   the   credit   card   registration  service agrees to provide to a subscriber for a fee any of   its services.
NY Gen Bus L § 521-A (2021)
2021 New York Laws GBS - General Business Article 29-AAA - Credit Card Registration Services 521-A - Disclosure Requirements.

§  521-a.  Disclosure  requirements. Prior to entering into a contract   for services, the  credit  card  registration  service  shall  make  the   following  disclosures:   (a) a notice that the purchase of the services   or the renewal thereof is not required for  a  consumer  to  retain  his   credit  card  or  access  device;  (b) a concise statement regarding the   limitations of a consumer's liability for  unauthorized  use  of  credit   cards  or access devices as established by the acts of Congress entitled   "Truth in Lending Act"  and  "Electronic  Fund  Transfer  Act"  and  the   regulations  thereunder,  as  such acts and regulations may from time to   time be amended.Such disclosures if made orally shall also be made in writing  by  the   credit  card registration service to the subscriber no later than thirty   days after the contract for services is entered into.
NY Gen Bus L § 521-B (2021)
2021 New York Laws GBS - General Business Article 29-AAA - Credit Card Registration Services 521-B - Contract Renewals.

§  521-b. Contract renewals. 1. No contract for services shall provide   that services will be automatically renewed and the  subscriber  billed,   unless  the  subscriber  named  in the expiring contract is notified not   more than sixty and not less than fifteen days prior to the  termination   of  the  existing  contract,  by  mail,  of the credit card registration   services' intention to automatically renew the contract.2. The written notice of renewal  shall  state  the  proposed  renewal   term,  the  price for renewal and any additions, changes or deletions in   the services to be furnished. The  notice  shall  state,  conspicuously,   that  the  subscriber  may  elect  not to renew the service by sending a   written notice of cancellation or  by  calling  a  toll  free  telephone   number prior to the end of the expiring contract.