reglab/housing_qa huggingface dataset:
NY Pers Prop L § 347 (2021)
2021 New York Laws PEP - Personal Property Article 9-A - Motor Vehicle Retail Leasing Act 347 - Liability of Assignees.

§  347.  Liability  of  assignees.    Except  where  the assignment is   involuntary or as otherwise specifically provided in this  article,  any   civil  action  for  a  violation  of  this  article which may be brought   against a lessor may be maintained against any  subsequent  assignee  of   the  lessor  only if the violation for which the action or proceeding is   brought is apparent on the face of the lease application or  the  retail   lease  agreement.  For purposes of this section, a violation is apparent   on the face of these documents if:1. The agreement contains a disclosure which can be determined  to  be   incomplete  or  inaccurate  from  the  face  of  the  agreement or other   documents assigned; or2. The agreement or application either contains a prohibited provision   or does not contain the  notices,  legend  or  items  required  by  this   article.
NY Pers Prop L § 348 (2021)
2021 New York Laws PEP - Personal Property Article 9-A - Motor Vehicle Retail Leasing Act 348 - Transactions Subject to Article by Agreement.

§  348.  Transactions  subject  to article by agreement.  Parties to a   motor vehicle lease agreement that is not a retail lease  agreement,  as   defined  in subdivision five of section three hundred thirty-one of this   article, because the vehicle is not being leased  by  a  natural  person   primarily  for  personal, family or household use may agree in a writing   signed by them that the agreement is subject to  this  article.  If  the   parties  so  agree,  the  agreement  is a retail lease agreement for the   purposes of this article.
NY Pers Prop L § 349 (2021)
2021 New York Laws PEP - Personal Property Article 9-A - Motor Vehicle Retail Leasing Act 349 - Applicability of Certain Provisions Hereof to Retail Lease of a Motor Vehicle for Any Use.

§ 349. Applicability of certain provisions hereof to retail lease of a   motor vehicle for any use.  The provisions of subdivision one of section   three   hundred   thirty-five,  section  three  hundred  thirty-six  and   subdivision eleven of section three hundred thirty-seven of this article   shall apply to a retail lease of a single motor vehicle for any use.
NY Pers Prop L § 350 (2021)
2021 New York Laws PEP - Personal Property Article 9-A - Motor Vehicle Retail Leasing Act 350 - Waiver Void.

§  350.  Waiver  void. Any waiver of the provisions of this article by   the lessee shall be unenforceable and void.
NY Pers Prop L § 351 (2021)
2021 New York Laws PEP - Personal Property Article 9-A - Motor Vehicle Retail Leasing Act 351 - Supplementary General Principles of Law Applicable.

§  351.  Supplementary  general  principles of law applicable.  Unless   displaced by the particular provisions of this article,  other  statutes   of  this state applicable to personal property leases and the principles   of law and equity, including the law relative to capacity  to  contract,   principal   and   agent,  estoppel,  fraud,  misrepresentation,  duress,   coercion, mistake, bankruptcy, or other validating or invalidating cause   supplement its provisions. In the  event  of  an  inconsistency  between   another statute of this state applicable to personal property leases and   this article, the provisions of this article shall control.
NY Pers Prop L § 352 (2021)
2021 New York Laws PEP - Personal Property Article 9-A - Motor Vehicle Retail Leasing Act 352 - Construction Against Implicit Repeal.

§  352.  Construction  against  implicit  repeal. This article being a   general act intended as a unified coverage of  its  subject  matter,  no   part  of  it  shall  be construed to be impliedly repealed by subsequent   legislation if that construction can reasonably be avoided.
NY Pers Prop L § 353 (2021)
2021 New York Laws PEP - Personal Property Article 9-A - Motor Vehicle Retail Leasing Act 353 - Severability.

§  353.  Severability.  If  any  provision  of  this  article  or  the   application thereof to any person or circumstances is held invalid,  the   invalidity  does  not  affect  other  provisions or applications of this   article which can be given  effect  without  the  invalid  provision  or   application,  and  to  this  end  the  provisions  of  this  article are   severable.
NY Pers Prop L § 405 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 405 - Delivery of Copy of Contract or Obligation; Buyer's Acknowledgment.

§   405.   Delivery   of  copy  of  contract  or  obligation;  buyer's   acknowledgment.  The seller shall deliver to the buyer, or mail  to  him   at  his  address  shown  on the contract or obligation, an executed copy   thereof.  Until the seller does so, a buyer who  has  not  received  the   goods  or  services  shall  have  an  unconditional  right to cancel the   contract or obligation and to receive immediate refund of  all  payments   made  and  redelivery of all goods traded-in to the seller on account of   or in contemplation of the contract or obligation. Any acknowledgment by   the buyer of delivery of a copy of the contract or obligation  shall  be   printed  or written in a size equal to at least ten point bold type and,   if contained in the contract or obligation, shall also  appear  directly   above  the space reserved for the buyer's signature. The buyer's written   acknowledgment, conforming to  the  requirements  of  this  section,  of   delivery  of  a  copy  of  a contract or obligation shall be presumptive   evidence of such delivery  and  of  compliance  with  this  section  and   subdivision four of section four hundred two in any action or proceeding   by  or  against  an  assignee  of  the  contract  or  obligation without   knowledge to the contrary when he purchases the contract or obligation.
NY Pers Prop L § 406 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 406 - Notice of Assignment; Payments.

§  406. Notice of assignment; payments. Unless the buyer has notice of   actual or intended assignment  of  a  contract,  obligation,  or  credit   agreement  payment thereunder made by the buyer to the last known holder   of such contract, obligation or credit agreement shall be  binding  upon   all subsequent holders or assignees.
NY Pers Prop L § 407 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 407 - Statements of Account; Receipts.

§  407.  Statements  of  account;  receipts.  At  any  time  after its   execution,  but  not  later  than  one  year  after  the  last   payment   thereunder,  the  holder of a contract or obligation shall, upon written   request of the buyer, give or forward to the buyer a  written  statement   of  the  dates  and  amounts  of  payments and the total amount, if any,   unpaid thereunder. Such a statement shall be supplied by the holder once   each year without charge; if any additional statement  is  requested  by   the  buyer,  the  holder  shall  supply such statement to the buyer at a   charge not exceeding one dollar for each additional  statement  supplied   to the buyer. A buyer shall be given a receipt for any payment when made   in cash.
NY Pers Prop L § 408 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 408 - Credit Upon Anticipation of Payments.

§  408.  Credit  upon anticipation of payments. 1. Notwithstanding the   provisions of any contract or obligation to the contrary, any buyer  may   pay  it  in full at any time before the maturity of the final instalment   of the time balance thereof and if he  does  so  shall  receive  and  be   entitled  to  receive  a  refund  credit  thereon and if the contract or   obligation included an amount for group credit life insurance a  further   refund credit thereon for such anticipation, whether or not the maturity   of  the  time  balance  of the contract was accelerated by the holder by   reason of the buyer's default.2. The amount of any such refund credit shall be determined  according   to a generally acceptable actuarial method.If the credit service charge imposed on the retail instalment contract   or  obligation  is computed pursuant to subdivision four of section four   hundred four of this article, the contract or obligation may be  prepaid   in full without penalty.3.  Where the amount of the credit for anticipation of payment is less   than one dollar no refund need be made. Where the earned credit  service   charge  amounts  to  less,  there may be retained an amount equal to the   minimum credit service charge applicable.4. The amount of the further  refund  credit  for  group  credit  life   insurance  shall  be  equal  to the excess of the amount included in the   contract for group credit life  insurance  over  the  premiums  paid  or   payable  by  the  holder  of  the  contract  for such insurance, if such   premiums were paid or payable periodically, or the refund  for  unearned   group  credit  life  insurance  premium  paid  or payable in a lump sum,   provided that no such further refund credit need be made if  the  amount   thereof would be less than one dollar.5.  In  the  event  (i)  the  maturity  of a contract or obligation is   accelerated due to the default of the buyer or otherwise and judgment is   obtained, or (ii) repayment  is  made  pursuant  to  group  credit  life   insurance,  the  buyer  or his legal representative, as the case may be,   shall be entitled to the same refund credits as if the contract had been   prepaid in full on the date of acceleration or repayment.
NY Pers Prop L § 411 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 411 - Terms of Purchase by Financing Agency.

§  411.  Terms  of  purchase  by financing agency. Notwithstanding any   contrary provision of the personal property law, lien law,  banking  law   or other law:1.  A  financing  agency  may  purchase  a retail instalment contract,   obligation or credit agreement, or indebtedness of a buyer  to  be  paid   under a credit agreement, from a seller on such terms and conditions and   for such price as may be mutually agreed upon; and2.  No filing of the assignment, no filing of any financing statement,   no notice to the buyer of the assignment, and no  requirement  that  the   seller  be  deprived  of  dominion  over  payments  upon  the  contract,   obligation or credit agreement or over the goods if  repossessed  by  or   returned  to the seller, shall be necessary to the validity of a written   assignment  of  a  contract,  obligation   or   credit   agreement,   or   indebtedness  to be paid under a credit agreement, as against creditors,   subsequent purchasers, pledgees,  mortgagees  or  encumbrancers  of  the   seller.
NY Pers Prop L § 412 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 412 - Cancellation.

§ 412. Cancellation. After the payment of all sums for which the buyer   is  obligated  under  a  contract or obligation, and upon written demand   made by the buyer, the holder shall deliver, or mail to the buyer at his   last known address, such one or more good and sufficient instruments  as   may  be  necessary  to  acknowledge  payment  in full and to release all   security in the goods. This section does not repeal section  seventy-two   of this chapter or section two hundred thirty-eight of the lien law.
NY Pers Prop L § 412-A (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 412-A - Cancellation of Contracts for Future Consumer Services.

§  412-a.  Cancellation of contracts for future consumer services.  1. Contract for future consumer services. As referred to in  this  section, the term "contract for future consumer services" shall mean any contract entered  into  for  consumer services to be performed in the future on a lesson-by-lesson or class-by-class basis and offered, sold  or  provided by  correspondence  schools which for the purposes of this section shall mean any plan or method used by any person or persons, firm, corporation or other organization for giving instruction in any form  or  manner  by correspondence under contract.   2.  No person, including any business entity, may contract to receive, or demand, in the  event  of  cancellation  of  a  contract  for  future services, more than the total of:  (a)  five  percent of the cash price, but not to exceed fifty dollars, and  (b) a pro rata portion of the total price, representing the proportion of services used or completed.   In addition, the  seller  may  receive  or  demand  the  cost  of  any ancillary  goods  which the buyer has consumed or wishes to retain after cancellation of the contract.  In no instance shall the  seller  collect more than the full contract price from the buyer.   3.  Within  ten days after a contract for future consumer services has been cancelled, the seller shall tender to the buyer any  payments  made in   excess  of  the  amounts  permitted  to  be  retained  pursuant  to subdivision two of this section.   4. Cancellation. Cancellation shall occur:  (a) when the buyer mails to the seller notice of his intent to cancel, or  (b) where the seller has actual notice of  the  buyer's  intention  to cancel, or  (c)  where  the buyer fails to attend consecutive scheduled classes or lessons constituting at least twenty-five percent of the  total  lessons or  time contracted for, without informing the seller in writing that he intends to remain enrolled.   5. The contract forms used by the seller shall conspicuously  disclose the  seller's  cancellation  provisions  in compliance with subdivisions two, three, and four of this section and  shall  contain  the  following notice in ten point bold face type:   If you cancel this contract (the seller) may keep only five percent of the  cash  price,  but not to exceed fifty dollars, and a portion of the contract price based upon the lessons or services you have used. You may notify the seller of your intent to cancel by mail,  addressed  to  (the seller) at (seller's address).   6.  Nothing  in  this  section  shall be construed so as to nullify or impair any right or rights which a buyer may have against  a  seller  at common law, by statute, or otherwise.
NY Pers Prop L § 414 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 414 - Penalties.

§  414.  Penalties.  1.  Any  person  who  shall  wilfully violate any   provision of this article shall be guilty  of  a  misdemeanor  and  upon   conviction  shall  be  punished  by  a  fine  not exceeding five hundred   dollars.2. In case of failure by any person to comply with the  provisions  of   this article, the buyer shall have the right to recover from such person   an  amount  equal to the credit service charge or service charge imposed   and the amount of any delinquency, collection,  extension,  deferral  or   refinance charge imposed.3.  Notwithstanding  the  provisions  of  this section, any failure to   comply with any provision of this article may be  corrected  within  ten   days  after  the holder is notified thereof in writing by the buyer and,   if so corrected, neither the seller nor the holder shall be  subject  to   any penalty under this section.4. Subdivision three of this section shall not apply to any person who   wilfully  violates  any provision of this article in connection with the   imposition, computation or  disclosures  of  or  relating  to  a  credit   service  charge  on  a  consolidated  total  of two or more contracts or   obligations under the provisions of section four hundred  ten,  and  the   buyer may recover from such person an amount equal to the credit service   charges   and   any  delinquency,  collection,  extension,  deferral  or   refinance charges imposed, contracted for or received on  all  contracts   and  obligations included in the consolidated total and the seller shall   be barred from the recovery of any such charges.5. Subdivisions one and three of this section shall not apply  to  any   person  who  violates subdivision two-a of section four hundred three of   this article.
NY Pers Prop L § 415 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 415 - Exceptions.

§ 415. Exceptions. 1. The provisions of sections four hundred nine and   four hundred eleven of this article shall apply to an instalment sale of   goods or services for any use.2.  The provisions of section four hundred eight of this article shall   apply to an installment sale of equipment used for production of a  farm   product, as defined in section two of the agriculture and markets law.
NY Pers Prop L § 416 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 416 - Waiver.

§  416.  Waiver.  Any  waiver  by  the buyer of the provisions of this   article shall be unenforceable and void.
NY Pers Prop L § 417 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 417 - Severability.

§  417.  Severability.  If  any  provision  of  this  article  or  the   application  thereof  to   any   person   or   circumstances   is   held   unconstitutional,  the  remainder  of the article and the application of   such provision to other persons or circumstances shall not  be  affected   thereby.
NY Pers Prop L § 418 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 418 - Short Title.

§  418.  Short  title.  This  article  may  be  cited  as  the "Retail   Instalment Sales Act."
NY Pers Prop L § 419 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 419 - Refund Credit on Cancellation of Credit Related Insurance or Prepayment of Contract.

§  419.  Refund  credit on cancellation of credit related insurance or   prepayment of contract. The provisions of this article requiring refunds   and refund credits with respect to group credit life insurance in  cases   of  cancellation  of  group  credit life insurance or of prepayment of a   retail instalment contract or obligation shall also require refunds  and   refund  credits  with  respect  to  credit unemployment insurance, group   credit accident, group credit health or group credit accident and health   insurance in cases of cancellation of such insurance or of prepayment of   a  retail  instalment  contract  or  obligation  which   included   such   insurance.
NY Pers Prop L § 420 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 420 - Guaranties to Sellers of Liabilities of Buyers Under Retail Instalment Contracts.

§  420.  Guaranties  to  sellers of liabilities of buyers under retail instalment contracts. (a) No guaranty given to  the  seller  or  to  the seller  and  the seller's assignee of the liabilities of a buyer under a retail instalment  contract  shall  be  valid  unless  the  guaranty  is incorporated  in  or endorsed on the contract or identifies the contract and specifies the time balance thereof. A copy of the guaranty  and  the contract  to  which it relates shall be given or mailed to the guarantor upon or immediately after the execution and delivery of the guaranty  by the guarantor. As used in this section, "retail instalment contract" and "contract"   include   a  retail  instalment  obligation  and  a  retail instalment contract as defined in the motor  vehicle  retail  instalment sales  act, constituting article nine of this chapter. This section does not apply to a guaranty made by  a  seller  or  a  holder  of  a  retail instalment contract.  (b)  No guaranty given to the seller or to the seller and the seller's assignee of the  liabilities  of  a  buyer  under  a  retail  instalment contract shall relate to any future retail instalment contracts.
NY Pers Prop L § 421 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 421 - Security Interest in Other Property.

§  421.  Security  interest  in  other property. Except as provided in   section four hundred ten of this chapter, no retail instalment  contract   or  obligation, or any other agreement executed in connection therewith,   may provide for the creation of a  security  interest  in  any  real  or   personal  property, other than the goods which are the subject matter of   the retail instalment sale, to secure the payment of the time sale price   under such  contract  or  obligation  or  any  part  thereof;  provided,   however, that the prohibition of this section shall not be applicable to   the taking of a mortgage upon real property to secure the payment of the   time  sale  price  of a retail instalment obligation, if the transaction   which gave rise to such  obligation  was  the  furnishing  of  goods  or   services for repairs, alterations or improvements upon, or in connection   with  buildings  upon, such real property. Any such prohibited provision   shall be void but  shall  not  otherwise  affect  the  validity  of  the   contract or obligation.
NY Pers Prop L § 422 (2021)
2021 New York Laws PEP - Personal Property Article 10 - Retail Instalment Sales Act 422 - Claim for Deficiency After Default and Repossession.

§ 422. Claim for deficiency after default and repossession. If a buyer   defaults  on  any  instalment  of  the  time  sale  price under a retail   instalment contract, and the holder  obtains  possession  of  the  goods   which are the subject matter of such contract and disposes of such goods   as  provided by section 9--610 of the uniform commercial code, the buyer   shall be liable to the holder for any deficiency to the extent  provided   in  that section; provided, however, that in calculating such deficiency   there shall be deducted from the amount thereof as  prescribed  by  such   section  9--610, an amount equal to that portion of the refund credit to   which the buyer would have been  entitled  under  section  four  hundred   eight of this chapter if, at the time the holder disposed of such goods,   the buyer had not been in default and had prepaid in full the balance of   the  time  sale price as the amount realized upon the disposition of the   goods bears to the balance of the time sale price.
NY Pers Prop L § 425 (2021)
2021 New York Laws PEP - Personal Property Article 10-A - Door-to-Door Sales Protection Act 425 - Short Title; Purpose.

§ 425. Short title; purpose. This act may be cited as the door-to-door   sales  protection  act. The purpose of this act is to afford consumers a   "cooling-off" period to cancel contracts which are  entered  into  as  a   result of high pressure door-to-door sales tactics.
NY Pers Prop L § 427 (2021)
2021 New York Laws PEP - Personal Property Article 10-A - Door-to-Door Sales Protection Act 427 - Buyer's or Other Obligor's Right to Cancel.

§  427.  Buyer's or other obligor's right to cancel. 1. In addition to   any right otherwise to revoke  an  offer,  the  buyer  or  other  person   obligated  for  any part of the purchase price may cancel a door-to-door   sale until midnight of the third business day, or until midnight of  the   seventh  business  day  in the case of a door-to-door sale of a personal   emergency response service, after the day on which the buyer has  signed   an agreement or offer to purchase relating to such sale.2. Cancellation occurs when written notice of cancellation is given to   the seller.3.  Notice  of  cancellation,  if given by mail, shall be deemed given   when deposited in a mailbox properly addressed and postage prepaid.4. 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.