reglab/housing_qa huggingface dataset:
NY Pers Prop L § 429 (2021)
2021 New York Laws PEP - Personal Property Article 10-A - Door-to-Door Sales Protection Act 429 - Restoration of Down Payment.

§  429.  Restoration  of  down  payment.  1.  Within  ten days after a   door-to-door sale has been cancelled or an offer  to  purchase  revoked,   the  seller shall tender to the buyer all payments made by the buyer and   any note or other evidence of indebtedness.2. If the down payment includes goods traded in, the  goods  shall  be   tendered  in  substantially  as  good  condition as when received by the   seller. If the seller fails to tender the  goods  as  provided  by  this   section,  the buyer may elect to recover an amount equal to the trade-in   allowance stated in the agreement.3. If the seller refuses within the period prescribed  by  subdivision   one  to return all payments made by the buyer, he shall be liable to the   buyer for the said payments and if the buyer is successful in his action   therefor or appeal thereon,  the  court  shall  award  him  one  hundred   dollars  plus  reasonable attorney's fees and costs, in addition to such   payments.4. Until the seller has complied with  this  section,  the  buyer  may   retain possession of goods delivered to him by the seller and shall have   a  lien  on  the  goods in his possession or control for any recovery to   which he may be entitled.
NY Pers Prop L § 430 (2021)
2021 New York Laws PEP - Personal Property Article 10-A - Door-to-Door Sales Protection Act 430 - Duty of Buyer.

§  430.  Duty  of  buyer. 1. Except as provided by subdivision four of   section four hundred twenty-nine,  within  a  reasonable  time  after  a   door-to-door  sale  has  been cancelled or an offer to purchase revoked,   the buyer upon demand shall tender to the seller any goods delivered  by   the  seller  pursuant to the sale but need not tender at any place other   than his residence. If the seller fails to  demand  possession  of  such   goods  within  a  reasonable  time after cancellation or revocation, the   goods shall become the property of the buyer without obligation  to  pay   for them. For the purpose of this section, twenty days shall be presumed   to be a reasonable time.2. The buyer shall take reasonable care of the goods in his possession   both  before  cancellation  or  revocation  and  for  a  reasonable time   thereafter, during which time the goods are otherwise  at  the  seller's   risk.3. If the seller has performed any services pursuant to a door-to-door   sale  prior  to  its  cancellation,  the seller shall not be entitled to   compensation therefor.
NY Pers Prop L § 431 (2021)
2021 New York Laws PEP - Personal Property Article 10-A - Door-to-Door Sales Protection Act 431 - Restriction on Assignment of Obligation.

§  431. Restriction on assignment of obligation. 1. A seller shall not   negotiate, transfer, sell or  assign  any  note  or  other  evidence  of   indebtedness to a finance company or other third party prior to midnight   of the fifth business day, or in the case of a contract for door-to-door   sale  of a personal emergency response service, prior to midnight of the   ninth business day, following the day the contract  was  signed  or  the   goods or services were purchased.2.  The  assignee  of  any  note  or evidence of indebtedness shall be   subject to all claims and defenses  of  the  buyer  against  the  seller   arising from the sale notwithstanding any agreement to the contrary, but   the  assignee's  liability  under  this subdivision shall not exceed the   amount owing to the assignee  at  the  time  the  claim  or  defense  is   asserted  against  the assignee.  Rights of the buyer under this section   can be asserted affirmatively against or as a matter of  defense  to  or   set-off against a claim by the assignee.
NY Pers Prop L § 440 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 440 - Short Title; Purpose.

§  440.  Short  title;  purpose.  This  article  may  be  cited as the   "telephone sales protection act". The purpose  of  this  article  is  to   afford  consumers  a "cooling-off" period to cancel a sale which is made   as a result of high pressure telephone sales tactics.
NY Pers Prop L § 442 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 442 - Buyer's or Other Obligor's Right to Cancel.

§  442.  Buyer's or other obligor's right to cancel. 1. In addition to   any other right otherwise to revoke an offer, the buyer or other  person   obligated  for  any  part of the purchase price may cancel the telephone   sale until midnight of the third business day after the day on which the   buyer has received written notice from the seller notifying the buyer of   his right to cancel the telephone sale.2. Cancellation occurs when written notice of cancellation is given to   the seller.3. Notice of cancellation shall be deemed given when  deposited  in  a   mailbox properly addressed and postage prepaid.4.  Notice of cancellation shall be deemed received on midnight of the   fifth day after it is deemed given.5. Notice of cancellation need not take the form prescribed and  shall   be  sufficient  if  it  indicates  the  intention of the buyer not to be   bound.
NY Pers Prop L § 443 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 443 - Form of Notice; Statement of Buyer's Rights.

§  443. Form of notice; statement of buyer's rights. 1. In a telephone   sale, the seller shall furnish to the buyer, in  the  same  language  as   that principally used in the sales presentation, a written notice, which   shall  contain  in not less than ten-point boldface type, a statement in   substantially the following form:"You, the buyer, may cancel this transaction without  any  penalty  or   obligation at any time prior to midnight of the third business day after   receipt  of  this  notice. If you cancel, any payments made by you under   the sale will be credited to your charge  account  within  ten  business   days  following  receipt  by  the  seller  of  your  written  notice  of   cancellation and any security interest arising out  of  the  transaction   will be cancelled.If  you  cancel,  you  must  make  available  to  the  seller  at your   residence, in substantially as good  condition  as  when  received,  any   goods  delivered  to you under this contract of sale; or you may, if you   wish, comply with the instruction of the  seller  regarding  the  return   shipment of the goods at the seller's expense and risk.If  you  do make the goods available to the seller and the seller does   not pick them up within twenty days  of  the  date  of  your  notice  of   cancellation, you may retain or dispose of the goods without any further   obligation. If you fail to make the goods available to the seller, or if   you  agree to return the goods to the seller and fail to do so, then you   remain liable for performance of all obligations under the contract.To cancel this transaction,  mail  or  deliver  a  written  notice  of   cancellation,  or  send  a telegram to (name of seller) at the following   address (address of seller)".2. Until the seller has informed the buyer of his right to cancel  and   has complied with the provisions of this article, the buyer or any other   person  obligated  for  any  part  of  the purchase price may cancel the   telephone sale by notifying the seller in any manner and by any means of   his intention to cancel. The period prescribed  by  subdivision  one  of   this  section  shall begin to run from the time the seller complies with   the provisions of this article.3. Pursuant to subdivision one of this section, the seller is required   to furnish the buyer with the seller's name, and the name of the  person   to  whom any notice of cancellation is to be given if different from the   seller's name, the legal name of the company  for  whom  the  seller  is   soliciting,  the  seller's street address and the seller's phone number.   The seller is additionally required to furnish the buyer with  the  date   of the telephone sale and a description of the telephone sale.
NY Pers Prop L § 444 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 444 - Restoration of Down Payment.

§  444.  Restoration  of  down  payment. 1. Within thirty days after a   telephone sale has been cancelled, the seller shall recredit the buyer's   charge account.2. If the down payment includes goods traded in, the  goods  shall  be   tendered  in  substantially  as  good  condition as when received by the   seller. If the seller fails to tender the  goods  as  provided  by  this   section,  the buyer may elect to recover an amount equal to the trade-in   allowance stated in the agreement.3. If the seller refuses within the period prescribed  by  subdivision   one  of  this section to return all payments made by the buyer, he shall   be liable to the buyer for  the  said  payments  and  if  the  buyer  is   successful  in  his  action  therefor or appeal thereon, the court shall   award him one hundred dollars and may award reasonable  attorney's  fees   and  costs, in addition to such payments. In addition to such an action,   such payments and the one hundred dollar amount may  be  recovered  from   any  telemarketer  maintaining  a  bond  pursuant to subdivision four of   section three hundred ninety-nine-pp of the general business law, or the   surety or  bank,  trust  company,  savings  bank  or  savings  and  loan   association  in an action on the bond. Nothing in the preceding sentence   shall authorize the awarding of attorney's fees and  costs  against  the   surety, bank, trust company or savings and loan association.4.  Until  the  seller  has  complied with this section, the buyer may   retain possession of goods delivered to him by the seller and shall have   a lien on the goods in his possession or control  for  any  recovery  to   which he may be entitled.
NY Pers Prop L § 445 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 445 - Duty of Buyer.

§  445.  Duty  of  buyer.  1.  Except as provided in subdivision four of   section four hundred forty-four of this  article,  within  a  reasonable   time  after  a  telephone  sale  has  been  cancelled  and the buyer has   received written notice from the seller that the buyer's charge  account   has  been  recredited,  the buyer upon demand shall tender to the seller   any goods delivered by the seller pursuant to  the  sale  but  need  not   tender  at  any  place  other than his residence. If the seller fails to   demand  possession  of  such  goods  within  a  reasonable  time   after   cancellation  or  revocation, the goods shall become the property of the   buyer without obligation to pay  for  them.  For  the  purpose  of  this   section, twenty days shall be presumed to be a reasonable time.2. The buyer shall take reasonable care of the goods in his possession   both  before  cancellation  and for a reasonable time thereafter, during   which time the goods are otherwise at the seller's risk.3. If the seller has performed any services pursuant  to  a  telephone   sale  prior  to  its  cancellation,  the seller shall not be entitled to   compensation therefor.
NY Pers Prop L § 446 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 446 - Restriction on Assignment of Obligation.

§  446. Restriction on assignment of obligation. 1. A seller shall not   negotiate, transfer, sell or  assign  any  note  or  other  evidence  of   indebtedness to a finance company or other third party prior to midnight   of  the  fifth  business  day  following the day the seller sent written   notice to the buyer informing the buyer of his right to cancel.2. The assignee of any note  or  evidence  of  indebtedness  shall  be   subject  to  all  claims  and  defenses  of the buyer against the seller   arising from the sale notwithstanding any agreement to the contrary, but   the assignee's liability under this subdivision  shall  not  exceed  the   amount  owing  to  the  assignee  at  the  time  the claim or defense is   asserted against the assignee. Rights of the buyer  under  this  section   can be asserted affirmatively against a claim by the assignee.
NY Pers Prop L § 447 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 447 - Enforcement; Penalties.

§  447.  Enforcement;  penalties. Whenever there shall be a violation of   this article, 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  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 five hundred 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 Pers Prop L § 448 (2021)
2021 New York Laws PEP - Personal Property Article 10-B - Telephone Sales Protection Act 448 - Separability.

§ 448. Separability. If any provision of this article or the application   of  such  provision  in certain circumstances shall be held invalid, the   validity of the remainder of this article and its applicability to other   circumstances shall not be affected.
NY Pers Prop L § 502 (2021)
2021 New York Laws PEP - Personal Property Article 11 - Rental Purchase Agreements 502 - Availability.

§  502.  Availability.  Every rental purchase agreement shall indicate   that a consumer at his or her request shall be  permitted  to  review  a   completed rental-purchase agreement for up to forty-eight hours prior to   signing. A copy of the fully completed rental-purchase agreement and all   other  documents  which the merchant requests the consumer to sign shall   be  given  to  the  consumer  at  the  time   they   are   signed.   The   rental-purchase  agreement shall not be enforceable against the consumer   until the consumer has received a signed copy. In addition to any  other   right   of   cancellation,   a  consumer  has  the  right  to  cancel  a   rental-purchase agreement, without penalty or obligation if the consumer   has not taken possession of the property.
NY Pers Prop L § 504 (2021)
2021 New York Laws PEP - Personal Property Article 11 - Rental Purchase Agreements 504 - Early Purchase Option.

§ 504. Early purchase option. 1. The consumer has the right to acquire ownership  of  the  merchandise at any time by tendering to the merchant all past due payments and fees and an amount equal  to  the  cash  price stated  in  the  rental-purchase agreement multiplied by a fraction that has as its numerator the number of periodic payments remaining under the agreement and that has as its denominator the total number  of  periodic payments.  A  consumer  must  affirmatively  elect  to exercise an early purchase option. In no event shall the consumer's early purchase  option be less than the amount of one periodic payment.   2.  In  a  clear  and conspicuous manner on the consumer's receipt for every periodic  payment,  the  merchant  shall,  in  connection  with  a consumer's  rights  under  this  section,  provide  the  consumer with a written statement of:  (a) the total amount  the  consumer  would  have  to  pay  to  acquire ownership  of the rental merchandise if the consumer makes all regularly scheduled payments remaining under the rental-purchase agreement; and  (b) the total amount  the  consumer  would  have  to  pay  to  acquire ownership  of  that  merchandise  pursuant  to  subdivision  one of this section.
NY Pers Prop L § 504-A (2021)
2021 New York Laws PEP - Personal Property Article 11 - Rental Purchase Agreements 504-A - Interruption or Reduction of Income in Certain Instances.

§  504-a. Interruption or reduction of income in certain instances. 1.   If any consumer who has signed a rental-purchase  agreement  experiences   an  interruption  or  reduction of twenty-five percent or more of income   due to involuntary job loss, involuntary  reduced  employment,  illness,   pregnancy  or  disability  after one-half or more of the total amount of   the rental payments necessary to acquire ownership under  the  agreement   has  been paid, and such consumer provides to the merchant some evidence   of the amount and cause of the interruption or reduction of income,  the   merchant  shall  reduce  the  amount  of  each rental payment by (a) the   percentage of the reduction  in  the  consumer's  income  or  (b)  fifty   percent,  whichever  is less, for the period during which the consumer's   income is interrupted or reduced.2. If payments are  reduced,  the  total  dollar  amount  of  payments   necessary  to  acquire  ownership  shall  not  be  increased,  provided,   however, that the number of payments necessary to acquire ownership  may   be  increased  accordingly and the rights and duties of the merchant and   the consumer shall not otherwise be affected.3. When the consumer's income is restored, the merchant  may  increase   the  amount  of  rental  payments, but in no event shall rental payments   exceed the originally disclosed amount of rental payments.
NY Pers Prop L § 504-B (2021)
2021 New York Laws PEP - Personal Property Article 11 - Rental Purchase Agreements 504-B - Maintenance of Merchandise.

§  504-b.  Maintenance  of merchandise. 1. The merchant shall maintain   the property subject to the rental-purchase agreement  in  good  working   order  while  the agreement is in effect without charging any fee to the   consumer in addition to the  regularly  scheduled  rental  payments  set   forth in the rental-purchase agreement.2.  By  the  end of the second business day following the day on which   the merchant received notice from the consumer that the property is  not   operating  properly,  the  merchant shall repair or replace the property   without any fee to the consumer in addition to the  regularly  scheduled   rental payments set forth in the rental-purchase agreement.3.  If  a  repair  or  replacement cannot be immediately effected, the   merchant shall temporarily substitute property of comparable quality and   condition while  repairs  are  being  effected.  If  repairs  cannot  be   completed  to  the reasonable satisfaction of the consumer within thirty   days after the merchant receives notice from the consumer  or  within  a   longer  period voluntarily agreed to by the consumer, the merchant shall   permanently replace the property.4. All replacement property shall be the same brand, if available, and   comparable in quality, age, condition,  and  warranty  coverage  to  the   replaced  property. If the same brand is not available, the brand of the   replacement property shall  be  agreeable  to  the  consumer,  provided,   however that any request by the consumer shall not be unreasonable.5.  All  of the consumer's and merchant's rights and obligations under   the rental-purchase  agreement  and  this  title  that  applied  to  the   property originally subject to the rental-purchase agreement shall apply   to any replacement property.6. The consumer shall not be charged, or held liable for, any pro rata   portion  of  a  periodic payment for any period of time greater than one   full day and each full day thereafter during which the property that  is   the subject of the rental-purchase agreement or any property substituted   for it pursuant to this section is not in good working order.7.  This  section  shall  not apply to repairs or damage for which the   consumer is liable under the rental-purchase agreement as  permitted  by   this article.8.  A  merchant shall not deliver to a consumer any property which the   merchant knows or has reason to know is defective.
NY Pers Prop L § 505 (2021)
2021 New York Laws PEP - Personal Property Article 11 - Rental Purchase Agreements 505 - Advertisement.

§  505.  Advertisement.  1.  An  advertisement  for  a rental-purchase agreement that refers to or states the amount of a payment or the  right to  acquire  ownership  of  any  one particular item under the agreement shall clearly and conspicuously state:  (a) that the transaction advertised is a rental-purchase agreement;  (b) the total number of payments and the total amount to  be  paid  to acquire  ownership,  which  amount  shall  be  explicitly labeled "total cost";  (c) the circumstances under which the consumer can  acquire  ownership rights; and  (d) whether the advertised terms are for new or used merchandise.   2.   An   advertisement   for   personal  property  available  through rental-purchase agreements that refers to more  than  one  appliance  or particular  item  and  includes  information on periodic payment amounts shall include a representative item available at that amount  and  shall conspicuously state:  (a) that the merchandise offered may be new or used;  (b) that transaction advertised is a rental-purchase agreement; and  (c)  that  the  consumer  does not acquire ownership rights unless the consumer complies with the ownership terms of the agreement.   3. Every item displayed or offered under a  rental-purchase  agreement shall have clearly and conspicuously indicated in arabic numerals, so as to  be  readable  and  understandable  by visual inspection, each of the following affixed to the item:  (a) the cash price of the merchandise;  (b) the amount of  the  periodic  payment  and  the  total  number  of periodic payments required for ownership; and  (c)  the  total  amount  that  must  be  paid  to acquire ownership of merchandise, which amount shall be explicitly labeled total cost.
NY Pers Prop L § 506 (2021)
2021 New York Laws PEP - Personal Property Article 11 - Rental Purchase Agreements 506 - Exempted Transactions.

§ 506. Exempted transactions. This article does not apply to:1.  Agreements  for  the rental of merchandise in which the person who   rents the merchandise has no legal right to  become  the  owner  of  the   property at the end of the rental period;2. A lease of a safe deposit box; and3. Retail installment sales agreements, contracts, or obligations.