reglab/housing_qa huggingface dataset:
NY Gen Oblig L § 5-526 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 5 - Interest and Usury; Brokerage on Loans 5-526 - Interest on Secured Loans or Forbearances.

§ 5-526. Interest  on  secured  loans  or  forbearances.  1.  Interest   charged on loans or forbearances made to corporations  for  business  or   commercial  purposes  in  the  amount of one hundred thousand dollars or   more and secured in compliance with the uniform  commercial  code  shall   not  be  subject to the limitations of this title or sections 190.40 and   190.42 of the penal law, if on the date when the interest is charged  or   accrued, such interest is not greater than eight percentage points above   the prime rate.2.  Such  secured  loans or forbearances which are made or advanced to   any one corporate borrower in one or more  installments  pursuant  to  a   written  agreement  which provides for either discretionary or mandatory   advances by one or more lenders shall be deemed to be a single  loan  or   forbearance  for  the  total  amount  which  the  lender or lenders have   advanced, if such advances are discretionary, or have agreed to advance,   if such advances are mandatory, pursuant to such agreement on the  terms   and conditions provided therein.3.  For  purposes of this section, the loan or forbearance transaction   must create a security interest as set forth in section  9--109  of  the   uniform  commercial  code  and must be filed pursuant to article nine of   such code unless filing is not required pursuant to  section  9--310  of   such  code,  or (b) must create a security interest set forth in section   9--110 of such code.4. For purposes of this  section,  the  prime  rate  shall  equal  the   average  prime  rate  on short term business loans which is published by   the board of governors of the federal reserve system for the most recent   week which was publicly available from the board  of  governors  of  the   federal reserve system on the previous business day.
NY Gen Oblig L § 5-527 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 5 - Interest and Usury; Brokerage on Loans 5-527 - Enforceability of Compound Interest.

§ 5-527. Enforceability  of  compound  interest.    1. A loan or other   agreement  providing  for  compound  interest   shall   be   enforceable   notwithstanding the date that such loan or other agreement providing for   such compound interest shall have been executed; provided, however, that   such  compound interest shall begin to accrue and become due and payable   on the later to  occur  of  (a)  June  twenty-fourth,  nineteen  hundred   eighty-nine  or  (b)  the  date that any obligation to pay such compound   interest may have arisen, including, but not limited to, the date of any   default or event of default under such loan or  other  agreement.    For   purposes  of  this  subdivision, the term "compound interest" shall mean   the accruing of interest upon unpaid interest  irrespective  of  whether   such unpaid interest is added to the principal debt.2.  The provisions of this section shall not be applicable to any loan   or other financing agreement where the original principal debt is in  an   amount  of two hundred fifty thousand dollars or less, or to any loan or   other financing agreement secured primarily  by  a  one  or  two  family   owner-occupied  residence.  For  purposes  of  this subdivision the term   "residence" shall include a lessee's interest  in  a  proprietary  lease   granted by a cooperative housing corporation.3.  Notwithstanding the provisions of subdivision two of this section,   nothing in this section shall affect the maximum rate of interest  which   may be charged, taken or received as provided by law, or be construed to   limit,  impair or otherwise affect any loan or other agreement which is,   or would be, enforceable without reference to  this  section,  including   but  not  limited  to an agreement made pursuant to section six-f of the   banking law.
NY Gen Oblig L § 5-601 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 6 - Interest on Certain Deposits 5-601 - Interest on Deposits in Escrow With Mortgage Investing Institutions.

§ 5-601. Interest  on  deposits  in  escrow  with  mortgage  investing   institutions. Any mortgage  investing  institution  which  maintains  an   escrow  account  pursuant to any agreement executed in connection with a   mortgage on any one to six family residence occupied by the owner or  on   any property owned by a cooperative apartment corporation, as defined in   subdivision  twelve  of  section three hundred sixty of the tax law, (as   such subdivision was in effect on December thirtieth,  nineteen  hundred   sixty),  and  located  in this state shall, for each quarterly period in   which such escrow account is established, credit the same with dividends   or interest at a rate of not less than two per centum per year based  on   the  average  of  the  sums  so  paid  for the average length of time on   deposit or a rate prescribed by the superintendent of financial services   pursuant to section fourteen-b of the banking law and  pursuant  to  the   terms  and conditions set forth in that section whichever is higher. The   superintendent of financial services shall prescribe by  regulation  the   method  or  basis  of computing any minimum rate of interest required by   this section and any such minimum rate shall be  a  net  rate  over  and   above  any  service  charge  that may be imposed by any mortgage lending   institution for maintaining an escrow  account.  No  mortgage  investing   institution  shall  impose  a  service  charge  in  connection  with the   maintenance of an escrow account unless provision therefor was expressly   made in a loan contract executed prior to the  effective  date  of  this   section.
NY Gen Oblig L § 5-602 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 6 - Interest on Certain Deposits 5-602 - Interest on Insurance Draft Deposits in Escrow With Mortgage Investing Institutions.

§ 5-602. Interest  on insurance draft deposits in escrow with mortgage   investing  institutions.  Any  mortgage  investing   institution   which   maintains  an  escrow  account  pursuant  to  any  agreement executed in   connection with a mortgage or any loan, secured by a lien on any one  to   six family residence occupied by the owner or on any property owned by a   cooperative  apartment  corporation, as defined in subdivision twelve of   section three hundred sixty of the tax law, (as such subdivision was  in   effect  on  December  thirtieth, nineteen hundred sixty), and located in   this state and which  residence  or  cooperative  apartment  corporation   received  from  an  insurance  carrier  a draft, forwarded to a mortgage   investing institution, as compensation for damage done  to  a  residence   shall,  for  each  quarterly  period  in  which  such  escrow account is   established, credit the same with dividends or interest at a rate of not   less than two per centum per year based on the average of  the  sums  so   paid  for  the average length of time on deposit or a rate prescribed by   the superintendent of financial services pursuant to section  fourteen-b   of the banking law and pursuant to the terms and conditions set forth in   that  section  whichever  is  higher.  The  superintendent  of financial   services shall prescribe by regulation the method or basis of  computing   any  minimum  rate  of  interest  required  by this section and any such   minimum rate shall be a net rate over and above any service charge  that   may  be  imposed  by any mortgage lending institution for maintaining an   escrow account. No mortgage investing institution shall impose a service   charge in connection with the maintenance of an  escrow  account  unless   provision  therefor was expressly made in a loan contract executed prior   to the effective date of this section.
NY Gen Oblig L § 5-702 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 7 - Requirements of Writing, Execution or Acknowledgment for Effectiveness or Enforceability 5-702 - Requirements for Use of Plain Language in Consumer Transactions.

§ 5-702. Requirements   for   use   of   plain  language  in  consumer   transactions. a. Every written agreement  entered  into  after  November   first,  nineteen  hundred  seventy-eight,  for  the lease of space to be   occupied for residential purposes, for the lease of personal property to   be used primarily for personal, family or household purposes or to which   a consumer is a party and the money, property or service  which  is  the   subject  of  the  transaction  is  primarily  for  personal,  family  or   household purposes must be:1. Written in a clear and coherent manner using words with common  and   every day meanings;2. Appropriately divided and captioned by its various sections.Any  creditor,  seller  or  lessor  who  fails  to  comply  with  this   subdivision shall be liable to a consumer who is a party  to  a  written   agreement  governed by this subdivision in an amount equal to any actual   damages sustained plus a penalty  of  fifty  dollars.  The  total  class   action  penalty  against  any  such creditor, seller or lessor shall not   exceed ten thousand dollars in any  class  action  or  series  of  class   actions  arising  out  of  the use by a creditor, seller or lessor of an   agreement which fails to comply with this subdivision. No  action  under   this subdivision may be brought after both parties to the agreement have   fully  performed  their  obligation  under such agreement, nor shall any   creditor, seller or lessor who attempts in good  faith  to  comply  with   this  subdivision  be  liable for such penalties. This subdivision shall   not apply to a good faith attempt to  describe  the  constant  yield  or   other  method  of determining the lease charge and depreciation portions   of each base rental payment under a lease of personal property. It  also   shall not apply to agreements involving amounts in excess of two hundred   fifty thousand dollars nor prohibit the use of words or phrases or forms   of  agreement required by state or federal law, rule or regulation or by   a governmental instrumentality.b. A violation of the provisions of  subdivision  a  of  this  section   shall  not  render  any  such  agreement  void  or voidable nor shall it   constitute:1. A defense to any action or proceeding to enforce such agreement; or2. A defense to any action or proceeding for breach of such agreement.c. In addition to the above, whenever the attorney general finds  that   there  has  been a violation of this section, he may proceed as provided   in subdivision twelve of section sixty-three of the executive law.
NY Gen Oblig L § 5-703 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 7 - Requirements of Writing, Execution or Acknowledgment for Effectiveness or Enforceability 5-703 - Conveyances and Contracts Concerning Real Property Required to Be in Writing.

§ 5-703. Conveyances  and  contracts concerning real property required   to be in writing. 1. An estate or interest in real property, other  than   a  lease  for a term not exceeding one year, or any trust or power, over   or concerning real property, or in any manner relating  thereto,  cannot   be created, granted, assigned, surrendered or declared, unless by act or   operation  of  law, or by a deed or conveyance in writing, subscribed by   the person creating, granting, assigning, surrendering or declaring  the   same,  or by his lawful agent, thereunto authorized by writing. But this   subdivision does not affect the power of a testator in  the  disposition   of  his  real  property  by  will; nor prevent any trust from arising or   being  extinguished  by  implication  or  operation  of  law,  nor   any   declaration  of  trust  from being proved by a writing subscribed by the   person declaring the same.2. A contract for the leasing for a longer period than  one  year,  or   for  the  sale,  of  any  real property, or an interest therein, is void   unless the contract or some note or memorandum thereof,  expressing  the   consideration,  is in writing, subscribed by the party to be charged, or   by his lawful agent thereunto authorized by writing.3. A contract to devise real property or establish  a  trust  of  real   property,  or  any  interest therein or right with reference thereto, is   void unless the contract or  some  note  or  memorandum  thereof  is  in   writing  and  subscribed by the party to be charged therewith, or by his   lawfully authorized agent.4. Nothing contained in this section abridges the powers of courts  of   equity to compel the specific performance of agreements in cases of part   performance.
NY Gen Oblig L § 5-705 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 7 - Requirements of Writing, Execution or Acknowledgment for Effectiveness or Enforceability 5-705 - Execution and Acknowledgment of Assumption of Mortgage Debt by Grantee of Mortgaged Real Property.

§ 5-705. Execution  and  acknowledgment of assumption of mortgage debt   by grantee of mortgaged real property. No grantee of real property shall   be liable upon any indebtedness secured by a mortgage  thereon  executed   prior to the time of the conveyance of the real property to the grantee,   nor  shall  he  be  liable  for  any deficiency that may remain upon the   foreclosure and sale of real property covered by such a mortgage,  after   application   of  the  proceeds  of  sale,  unless  such  grantee  shall   simultaneously with the conveyance to him of such real property  execute   and acknowledge, before an officer authorized to take acknowledgments of   deeds,  a  statement  in  writing stating in substance that such grantee   assumes and agrees to pay such mortgage debt  and  giving  the  specific   amount  of  the  debt  assumed.  The  execution  and acknowledgment by a   grantee of the  deed  of  conveyance  to  him  containing  such  written   statement  shall  be  sufficient  compliance with the provisions of this   section. This section shall not apply, however, where, subsequent to the   conveyance and upon an extension or  modification  of  the  indebtedness   secured  by  the  mortgage,  the  grantee shall execute and acknowledge,   before an  officer  authorized  to  take  acknowledgments  of  deeds,  a   statement in writing stating that such grantee assumes and agrees to pay   such mortgage debt, and giving the specific amount of the debt assumed.
NY Gen Oblig L § 5-901 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 9 - Requirements of Notice for Effectiveness or Enforceability 5-901 - Certain Provisions of Leases of Personal Property Inoperative Unless Notice Thereof Given to Lessee.

§ 5-901. Certain provisions of leases of personal property inoperative   unless  notice  thereof  given to lessee. No provision of a lease of any   personal property which states that the term  thereof  shall  be  deemed   renewed for a specified additional period unless the lessee gives notice   to the lessor of his intention to release the property at the expiration   of  such  term,  shall  be operative unless the lessor, at least fifteen   days and not more than thirty days previous to the  time  specified  for   the  furnishing  of such notice to him, shall give to the lessee written   notice, served personally or by  mail,  calling  the  attention  of  the   lessee  to  the existence of such provision in the lease. Nothing herein   contained shall be construed  to  apply  to  a  contract  in  which  the   automatic renewal period specified is one month or less.
NY Gen Oblig L § 5-903 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 9 - Requirements of Notice for Effectiveness or Enforceability 5-903 - Automatic Renewal Provision of Contract for Service, Maintenance or Repair Unenforceable by Contractor Unless Notice Thereof Given to Recipient of Ser

§ 5-903. Automatic   renewal   provision   of  contract  for  service,   maintenance or repair unenforceable by contractor unless notice  thereof   given  to  recipient  of  services. 1. As used in this section, "person"   means an individual, firm, company, partnership or corporation.2. No provision of a contract for service, maintenance or repair to or   for any real or personal property which states  that  the  term  of  the   contract  shall  be  deemed  renewed  for  a specified additional period   unless the person receiving the service,  maintenance  or  repair  gives   notice  to  the  person furnishing such contract service, maintenance or   repair of his intention to terminate the contract at the  expiration  of   such  term,  shall  be  enforceable  against  the  person  receiving the   service,  maintenance  or  repair,  unless  the  person  furnishing  the   service,  maintenance or repair, at least fifteen days and not more than   thirty days previous to the time specified for serving such notice  upon   him,  shall  give  to  the  person receiving the service, maintenance or   repair written notice, served personally or by certified  mail,  calling   the  attention  of that person to the existence of such provision in the   contract.3. Nothing herein contained shall be construed to apply to a  contract   in which the automatic renewal period specified is one month or less.
NY Gen Oblig L § 5-905 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 9 - Requirements of Notice for Effectiveness or Enforceability 5-905 - Certain Provisions of Leases to Be Inoperative Unless Express Notice Thereof Is Given to Tenant.

§ 5-905. Certain provisions of leases to be inoperative unless express   notice  thereof  is given to tenant. No provision of a lease of any real   property or premises which states that the term thereof shall be  deemed   renewed  for  a  specified  additional  period of time unless the tenant   gives notice to the lessor of his intention to quit the premises at  the   expiration  of  such term shall be operative unless the lessor, at least   fifteen days and  not  more  than  thirty  days  previous  to  the  time   specified  for  the  furnishing of such notice to him, shall give to the   tenant written notice, served personally or by registered  or  certified   mail,  calling  the  attention  of  the  tenant to the existence of such   provision in the lease.
NY Gen Oblig L § 5-1101 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 11 - Consideration; Effect of Writing on Requirement of Consideration 5-1101 - Agreements Relating to Securities.

§ 5-1101. Agreements  relating to securities. An agreement, promise or   undertaking for the purchase, sale, transfer, assignment or delivery  of   a  certificate or other evidence of debt, issued by the United States or   by any state, or a municipal or other corporation, or of  any  share  or   interest   in   the  stock  of  any  bank  corporation  or  joint  stock   association, incorporated or organized under  the  laws  of  the  United   States  or  of  any  state,  is  not  void  or  voidable,  for  want  of   consideration, or because of the nonpayment of consideration, or because   the vendor, at the time of making such contract, is  not  the  owner  or   possessor  of the certificate or certificates or other evidence of debt,   share or interest.
NY Gen Oblig L § 5-1103 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 11 - Consideration; Effect of Writing on Requirement of Consideration 5-1103 - Written Agreement for Modification or Discharge.

§ 5-1103. Written   agreement   for   modification  or  discharge.  An   agreement, promise or undertaking to change or modify, or  to  discharge   in whole or in part, any contract, obligation, or lease, or any mortgage   or  other  security  interest in personal or real property, shall not be   invalid because of the  absence  of  consideration,  provided  that  the   agreement,  promise  or  undertaking changing, modifying, or discharging   such contract, obligation, lease, mortgage or security  interest,  shall   be  in  writing  and  signed  by  the party against whom it is sought to   enforce the change, modification or discharge, or by his agent.
NY Gen Oblig L § 5-1105 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 11 - Consideration; Effect of Writing on Requirement of Consideration 5-1105 - Written Promise Expressing Past Consideration.

§ 5-1105. Written  promise expressing past consideration. A promise in   writing and signed by the promisor or by his agent shall not  be  denied   effect   as   a   valid   contractual  obligation  on  the  ground  that   consideration for the promise is past or executed, if the  consideration   is  expressed  in  the  writing  and  is  proved  to  have been given or   performed and would be a valid consideration but for the  time  when  it   was given or performed.
NY Gen Oblig L § 5-1107 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 11 - Consideration; Effect of Writing on Requirement of Consideration 5-1107 - Written Assignment.

§ 5-1107. Written  assignment.  An  assignment shall not be denied the   effect of irrevocably transferring the assignor's rights because of  the   absence of consideration, if such assignment is in writing and signed by   the assignor, or by his agent.
NY Gen Oblig L § 5-1109 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 11 - Consideration; Effect of Writing on Requirement of Consideration 5-1109 - Written Irrevocable Offer.

§ 5-1109. Written  irrevocable  offer. Except as otherwise provided in   section 2-205 of the uniform commercial code with respect to an offer by   a merchant to buy or sell goods, when an offer to enter into a  contract   is  made  in  a  writing  signed  by the offeror, or by his agent, which   states that the offer is irrevocable during a period set forth or  until   a  time  fixed,  the  offer shall not be revocable during such period or   until such  time  because  of  the  absence  of  consideration  for  the   assurance  of  irrevocability. When such a writing states that the offer   is irrevocable but does not state any period or time of  irrevocability,   it  shall  be  construed  to  state  that the offer is irrevocable for a   reasonable time.
NY Gen Oblig L § 5-1111 (2021)
2021 New York Laws GOB - General Obligations Article 5 - Creation, Definition and Enforcement of Contractual Obligations Title 11 - Consideration; Effect of Writing on Requirement of Consideration 5-1111 - Execution by Agent in Real Property Transactions; Written Authorization Required.

§ 5-1111. Execution  by  agent  in real property transactions; written   authorization required.    If  executed  by  an  agent,  any  agreement,   promise,  undertaking,  assignment  or offer required by section 5-1103,   5-1105, 5-1107 or 5-1109 to be in writing, which affects or  relates  to   real   property   or  an  interest  therein  in  any  manner  stated  in   subdivisions one or two of section 5-703 of this chapter, shall be  void   unless such agent was thereunto authorized in writing.