reglab/housing_qa huggingface dataset:
NY Gen Bus L § 454-A (2021)
2021 New York Laws GBS - General Business Article 28-A - Cemetery Property and Funeral Services 454-A - Unsolicited Offers for Monuments or Memorials.

§  454-a. Unsolicited offers for monuments or memorials. 1. (a) Except as provided in paragraph (b) of this subdivision, it shall  be  unlawful to  provide  any  offer  for  monuments or memorials by mail unless such offer has first been solicited by the individual to which it is sent.  (b) Provided, however, such an offer is permissible where,  in  large, bold-face  type  at  the  top  of  such offer, "SOLICITATION" is clearly printed.   2. Whenever there shall be a  violation  of  the  provisions  of  this section,  an application may be made by the attorney general in the name of the people of the state of New York to  a  court  or  justice  having jurisdiction to issue an injunction, and upon notice to the defendant of not  less  than five days, to enjoin and restrain the continuance of the violation. If it shall appear to the satisfaction of the  court  or  the justice  that the defendant has violated this section, an injunction may be issued by the court or justice, enjoining and restraining any further violation, without requiring proof that any person  has,  in  fact  been injured  or  damaged thereby. In any such proceeding, the court may make allowances to the attorney general  as  provided  in  paragraph  six  of subdivision  (a)  of  section  eight thousand three hundred three of the civil practice law and rules and direct restitution. In connection  with any  such  proposed  application,  the attorney general is authorized to take proof and make a determination of the relevant facts and  to  issue subpoenas  in accordance with the civil practice law and rules. Whenever the court shall determine that a violation of this section has occurred, the court may impose a civil penalty of up to five hundred  dollars  for the  first  violation  and  up to one thousand dollars for the second or subsequent violation within an eighteen month period.   3. The  provisions  of  this  section  shall  not  apply  to  cemetery corporations  as  defined  and  regulated  by  article  fifteen  of  the not-for-profit  corporation  law   and   the   regulations   promulgated thereunder.
NY Gen Bus L § 455 (2021)
2021 New York Laws GBS - General Business Article 28-B - Budget Planning 455 - Definitions.

§ 455. Definitions. 1. Budget planning, as used in this article, means   the  making  of  a  contract  between  a person or entity engaged in the   business of budget planning with a particular  debtor  whereby  (i)  the   debtor  agrees  to  pay a sum or sums of money in any manner or form and   the person  or  entity  engaged  in  the  business  of  budget  planning   distributes, or supervises, coordinates or controls the distribution of,   or  has  a  contractual  relationship with another person or entity that   distributes, or supervises, coordinates or  controls  such  distribution   of, the same among certain specified creditors in accordance with a plan   agreed  upon and (ii) the debtor agrees to pay to such person or entity,   or  such  other  person  or  entity  that  distributes,  or  supervises,   coordinates  or  controls  such distribution of, a sum or sums of money,   any valuable consideration for such services or for any  other  services   rendered  in  connection  therewith. For the purposes of this article, a   person or entity shall be considered  as  engaged  in  the  business  of   budget  planning  in  New  York,  and  subject  to  this article and the   licensing and other requirements of article twelve-C of the banking law,   if such person or entity solicits budget planning business  within  this   state  and, in connection with such solicitation, enters into a contract   for budget planning with an individual then resident in this state.2. Person, as used  in  this  article,  shall  not  include  a  person   admitted to practice law in this state.3.  Entity,  as  used  in  this  article,  shall  not  include a firm,   partnership, professional corporation, or other organization, all of the   members or principals of which are admitted  to  practice  law  in  this   state.4.  Person  or  entity  as  used  in  this article shall not include a   charitable corporation as  defined  in  paragraph  (a)  of  section  one   hundred  two (Definitions) of the not-for-profit corporation law of this   state, or an entity incorporated in another state and having  a  similar   not-for-profit  status, licensed by the superintendent, to engage in the   business of budget planning as defined in this section.5. Any attorney licensed to practice law in this state who is  engaged   in budget planning shall (a) negotiate directly with creditors on behalf   of  the  client; (b) ensure that all moneys received from the client are   deposited in the attorney's account maintained for client funds; (c) pay   creditors from such account; and  (d)  offer  budget  planning  services   through the same legal entity that the attorney uses to practice law.
NY Gen Bus L § 456 (2021)
2021 New York Laws GBS - General Business Article 28-B - Budget Planning 456 - Budget Planning Prohibited.

§ 456. Budget planning prohibited. No person or entity shall engage in   the  business  of  budget  planning  as  defined in section four hundred   fifty-five of this article, except as authorized in article twelve-C  of   the banking law.
NY Gen Bus L § 457 (2021)
2021 New York Laws GBS - General Business Article 28-B - Budget Planning 457 - Penalty.

§ 457. Penalty. Whoever either individually or as officer, director or   employee  of  any person, firm, association or corporation, violates any   of the provisions  of  the  preceding  section  shall  be  guilty  of  a   misdemeanor for each such violation.
NY Gen Bus L § 458-A (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-A - Legislative Findings and Declarations; Purposes.

§   458-a.   Legislative  findings  and  declarations;  purposes.  The   legislature finds and declares:1. The ability to obtain and use credit has become of great importance   to consumers, who have a vital interest in establishing and  maintaining   their  credit worthiness and credit standing. As a result, consumers who   have  experienced  credit  problems  may  seek  assistance  from  credit   services  businesses  which offer to improve the credit standing of such   consumers.Certain advertising and business practices of some  companies  engaged   in the business of credit services have worked a financial hardship upon   the  people of this state, often those who are of limited economic means   and inexperienced in credit matters.2. The purposes of this article are to provide  prospective  consumers   of  services of credit services companies with the information necessary   to make an informed decision regarding the purchase  of  those  services   and  to  protect  the  public  from  unfair or deceptive advertising and   business practices.
NY Gen Bus L § 458-B (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-B - Definitions.

§ 458-b. Definitions. As used in this article:   1. "Credit services business" means any person who sells, provides, or performs,  or represents that he can or will sell, provide or perform, a service for the express or implied purpose  of  improving  a  consumer's credit record, history, or rating or providing advice or assistance to a consumer  with  regard to the consumer's credit record history or rating in return for the payment of a fee.   "Credit services business" does not include any of the following:  (a) Any charitable corporation as defined in paragraph (a) of  section one  hundred  two  (Definitions)  of  the not-for-profit corporation law licensed pursuant to article twelve-c of the banking law.  (b) Any person admitted to practice law in this state where the person renders services within the course and scope of his or her  practice  as an attorney at law.   2. "Consumer" means any natural person who is solicited to purchase or who purchases the services of a credit services business.   3.  "Person"  includes  an individual, corporation, partnership, joint venture, or any business entity.   4.  The  terms  "consumer  reporting   agency",   "consumer   report", "investigative consumer report", "file", and "adverse information" shall have  the meanings ascribed to each by section three hundred eighty-a of this chapter.
NY Gen Bus L § 458-C (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-C - Information Statement; Procedure.

§ 458-c. Information statement; procedure. Prior to the execution of a   contract  between  a consumer and a credit services business, the credit   services business shall provide the consumer an information statement in   writing, on a separate sheet, containing  the  information  required  by   section  four  hundred fifty-eight-d of this chapter. The consumer shall   acknowledge  receipt  of  such  information  statement  by  placing  his   signature  on  the  face  thereof.  The  credit  services business shall   maintain on file or microfilm for a period of two years from the date of   such acknowledgement an exact copy of such information statement.
NY Gen Bus L § 458-D (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-D - Information Statement; Contents.

§  458-d.  Information statement; contents.  The information statement   shall be printed in at least  ten  point  type  and  shall  include  the   following: "RIGHT TO REVIEW YOUR FILE" "The  Federal  Fair  Credit  Reporting Act gives you the right to know   what your credit file contains, and the consumer reporting  agency  must   provide someone to help you interpret the data. The New York Fair Credit   Reporting  Act  gives  you  the  right to receive an actual copy of your   credit report.   You will  be  required  to  identify  yourself  to  the   consumer  reporting  agency and you may be charged a small fee. There is   no fee, however, if you have been turned down for credit, employment, or   insurance because of  information  contained  in  a  report  within  the   preceding thirty days." "INCORRECT INFORMATION" "Consumer   reporting  agencies  are  required  to  follow  reasonable   procedures to  ensure  that  subscribing  creditors  report  information   accurately.  However, mistakes may occur.When  you  notify  the  consumer  reporting agency in writing that you   dispute the accuracy of information, it must reinvestigate and modify or   remove inaccurate data. The consumer reporting agency may not charge any   fee for this service. Any pertinent data you have  concerning  an  error   should be given to the consumer reporting agency.If  reinvestigation does not resolve the dispute to your satisfaction,   you may enter a statement of one hundred words or  less  in  your  file,   explaining why you think the record is inaccurate.The  consumer  reporting  agency  must  include  your  statement about   disputed data -- or a coded version of it -- with any reports it  issues   about  you.  New  York  law  also  provides  that,  at your request, the   consumer reporting agency must notify any  person  who  has  received  a   report  in  the  previous  year  that  an error existed and furnish such   person with the corrected information." "TIME LIMITS ON ADVERSE DATA" "Most kinds of information in your file may be reported for  a  period   of  seven years. If you have declared personal bankruptcy, however, that   fact may be reported for ten years.After seven years or ten years, the information can't be disclosed  by   a credit reporting agency unless you are being investigated for a credit   application  of  $50,000  or  more,  for an application to purchase life   insurance of $50,000 or more, or for employment at an annual  salary  of   $25,000 or more."
NY Gen Bus L § 458-E (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-E - Advance Fees Prohibited.

§  458-e.  Advance  fees  prohibited.  It  is hereby declared to be an   unfair and deceptive trade practice and unlawful for a  credit  services   business to receive or collect from a consumer any fee in advance of the   performance  of  those services specified in the contract as required by   section four hundred fifty-eight-f of this chapter.
NY Gen Bus L § 458-F (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-F - Contracts; Requirements and Contents.

§  458-f.  Contracts;  requirements  and  contents.  1. Every contract between a consumer and a credit services business shall be  in  writing, shall  be dated, shall contain the street address of the credit services business and the consumer, and shall  be  signed  by  the  consumer  and credit services business. Each contract shall contain the following:  (a)  A complete and detailed statement of the services to be performed and the results to be achieved by the credit services business for or on behalf of the consumer, including a  list  of  the  adverse  information appearing  on  the  consumer's  credit  report  that will be modified, a description  of  the  precise  nature  of  each  modification,  and  the estimated  date  by  which  each  modification will occur. A copy of the consumer's current credit report issued by a consumer  credit  reporting agency  shall  be  annexed  to  the  contract  with  the adverse entries proposed to be modified clearly marked.  (b) A statement in at least ten point type as follows:   "Under New York law no fee may be collected in advance of  performance of the services specified in this contract."   2. The contract shall be accompanied by a completed form in duplicate, captioned  "Notice  of  Cancellation,"  which  shall  be attached to the contract and easily detachable, and which shall contain in at least  ten point type the following:                          "Notice of Cancellation"   "You may cancel this contract,  without any  penalty or  obligation, within three days from the date the contract is signed.   "To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to____________________ at  name of seller) ______________________________________________________________________  address of seller)         Place of business)   not later than midnight____________________.                              (date)     "I hereby cancel this transaction."                       ________________________________________________                            purchaser's signature)                       ________________________________________________                                    (date)   3.  A  copy  of  the  fully completed contract and all other documents shall be given to the buyer at the time the contract is signed.
NY Gen Bus L § 458-G (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-G - Contracts Void and Unenforceable.

§  458-g.  Contracts  void  and  unenforceable.  1.  Any  contract for   services which does not comply with the applicable  provisions  of  this   article shall be void and unenforceable as contrary to public policy.2. Any waiver by a consumer of the provisions of this article shall be   deemed  void and unenforceable by a credit services business as contrary   to public policy.
NY Gen Bus L § 458-H (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-H - Deceptive Acts Prohibited.

§  458-h.  Deceptive  acts  prohibited. It is hereby declared to be an   unfair and deceptive trade practice and unlawful for a  credit  services   company to:1. Misrepresent directly or indirectly in its advertising, promotional   materials,  sales  presentation,  or  in  any  manner: the nature of the   services to be  performed;  the  time  within  which  services  will  be   performed;  the  ability to improve a consumer's credit report or credit   rating; the amount or type of credit a consumer can expect to receive as   a result of the performance of the services offered; the qualifications,   training or experience of its personnel.2. Make or counsel or advise any consumer to make any statement  which   is  untrue or misleading and which is known, or which by the exercise of   reasonable care should be known,  to  be  untrue  or  misleading,  to  a   consumer  credit  reporting  agency  or  to  any person who has extended   credit to a consumer or to whom a consumer is applying for an  extension   of  credit,  with  respect  to  a  consumer's  credit worthiness, credit   standing, or credit capacity.3. Represent directly or indirectly in  its  advertising,  promotional   materials,  sales  presentation, or in any manner that it can procure or   obtain a credit card for a consumer unless that credit services  company   has authority to issue the credit card being advertised.
NY Gen Bus L § 458-I (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-I - Action for Recovery of Damages by Consumer.

§  458-i.  Action  for  recovery  of damages by consumer. Any consumer   injured by a violation of this article or by the breach  by  the  credit   services  business of a contract which has been entered into pursuant to   section four hundred fifty-eight-f of this chapter may bring  an  action   for  recovery  of  damages.  Judgment  shall  be  entered  in favor of a   consumer in an amount not to exceed three times the actual damages,  but   in no case less than the amount paid by the buyer to the credit services   business. The court may award reasonable attorney's fees to a prevailing   plaintiff.
NY Gen Bus L § 458-J (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-J - Enforcement by Attorney General.

§  458-j.  Enforcement  by  attorney general. In addition to the other   remedies provided, whenever there shall be a violation of this  article,   application  may  be  made  by  the  attorney general in the name of the   people  of  the  state  of  New  York  to  a  court  or  justice  having   jurisdiction  by  a  special proceeding to issue an injunction, and upon   notice to the defendant of not  less  than  five  days,  to  enjoin  and   restrain  the  continuance of such violations; and if it shall appear to   the satisfaction of the court or justice  that  the  defendant  has,  in   fact,  violated  this article, an injunction may be issued by such court   or justice, enjoining and restraining  any  further  violation,  without   requiring  proof  that  any person has, in fact, been injured or damaged   thereby. In any such proceeding, the court may make  allowances  to  the   attorney  general  as  provided  in  paragraph six of subdivision (a) of   section eighty-three hundred three of the civil practice law and  rules,   and  direct  restitution.  Whenever  the  court  shall  determine that a   violation of this article has occurred, the court  may  impose  a  civil   penalty  of  not  more  than one thousand dollars for each violation. In   connection with any such proposed application, the attorney  general  is   authorized  to take proof and make a determination of the relevant facts   and to issue subpoenas in accordance with the  civil  practice  law  and   rules.
NY Gen Bus L § 458-K (2021)
2021 New York Laws GBS - General Business Article 28-BB - Credit Services Business 458-K - Severability.

§  458-k.  Severability.  If  any  provision of this article or if any   application thereof to any person or circumstance is held  invalid,  the   remainder  of this article and the application of the provision to other   persons and circumstances shall not be affected thereby.
NY Gen Bus L § 460-A (2021)
2021 New York Laws GBS - General Business Article 28-C - Immigrant Assistance Services 460-A - Definitions and Applicability.

§  460-a.  Definitions  and  applicability.  For  the  purpose of this   article the following terms shall have the following meanings:1. "Immigrant assistance service" means providing  assistance,  for  a   fee  or other compensation, to persons who have, or plan to, come to the   United States from a  foreign  country,  or  their  representatives,  in   relation   to   any   proceeding,   filing   or   action  affecting  the   non-immigrant, immigrant or citizenship status of a person which  arises   under   the   immigration   and  nationality  law,  executive  order  or   presidential proclamation, or which arises under actions or  regulations   of  the  United  States citizenship and immigration services, the United   States department of homeland security, the United States department  of   labor, or the United States department of state.2.  "Provider"  means  any  person,  including  but  not  limited to a   corporation, partnership, limited liability company, sole proprietorship   or natural person, that  provides  immigrant  assistance  services,  but   shall  not  include (a) any person duly admitted to practice law in this   state and any person working  directly  under  the  supervision  of  the   person  admitted;  (b)  any  not-for-profit tax exempt organization that   provides immigrant assistance  without  a  fee  or  other  payment  from   individuals  or  at  nominal  fees  as  defined  by the federal board of   immigration appeals, and the employees of such organization when  acting   within  the scope of such employment; (c) any organization recognized by   the federal board of immigration  appeals  that  provides  services  via   representatives  accredited  by  such  board to appear before the United   States citizenship and immigration services and/or executive office  for   immigration  review,  that does not charge a fee or charges nominal fees   as defined by the board  of  immigration  appeals;  (d)  any  authorized   agency under subdivision ten of section three hundred seventy-one of the   social  services  law and the employees of such organization when acting   within the scope of such employment; or  (e)  any  individual  providing   representation  in  an  immigration-related proceeding under federal law   for which  federal  law  or  regulation  establishes  such  individual's   authority to appear.