reglab/housing_qa huggingface dataset:
NY Gen Bus L § 697-D (2021)
2021 New York Laws GBS - General Business Article 33-B - Express Consumer Warranty on Farm Equipment 697-D - New Farm Equipment Bill of Rights.

§  697-d.  New farm equipment bill of rights. A supplier shall provide the following notice, entitled "New Farm Equipment Bill of Rights" along with a written copy of the provisions of this article, to its authorized dealers in this state, and the dealer shall provide such bill of  rights to  each  consumer  at  the time of purchase or lease of farm equipment. Such notice shall be printed in conspicuous ten point bold face type.                     NEW FARM EQUIPMENT BILL OF RIGHTS  (1) IN ADDITION TO ANY WARRANTIES PROVIDED FOR  YOUR  FARM  EQUIPMENT, YOUR  NEW  FARM EQUIPMENT, PURCHASED WITHIN OR OUTSIDE OF THIS STATE, IS WARRANTED AGAINST ALL MATERIAL DEFECTS FOR ONE YEAR.  (2) YOU MUST REPORT ANY PROBLEMS TO THE WARRANTOR  OR  ITS  DEALER  IN WRITING WITHIN THE WARRANTY PERIOD. ALTHOUGH, IF IN THE LAST THIRTY DAYS OF  THE WARRANTY, YOU ARE ONLY ABLE TO PROVIDE A VERBAL NOTICE, YOU WILL HAVE UP TO THIRTY DAYS AFTER THE EXPIRATION OF THE WARRANTY TO PROVIDE A WRITTEN NOTICE.  (3) A WARRANTOR OR A DEALER MAY NOT CHARGE  FOR  THE  PARTS  OR  LABOR INVOLVED IN THE REPAIR OF THE DEFECT WITHIN THE WARRANTY PERIOD.  (4)  IF THE SAME PROBLEM CANNOT BE REPAIRED AFTER FOUR ATTEMPTS DURING THE WARRANTY PERIOD; OR IF YOUR EQUIPMENT IS OUT OF SERVICE TO REPAIR  A PROBLEM FOR A TOTAL OF THIRTY DAYS DURING THE WARRANTY PERIOD; OR IF THE SUPPLIER  OR  ITS  DEALER  REFUSES  TO  REPAIR  A  SUBSTANTIAL DEFECT OR CONDITION WITHIN TWENTY DAYS OF RECEIPT OF WRITTEN NOTICE SENT BY YOU TO THE SUPPLIER; THEN YOU MAY  BE  ENTITLED,  AT  YOUR  OPTION,  TO  EITHER COMPARABLE  FARM  EQUIPMENT  OR A REFUND OF YOUR PURCHASE PRICE FROM THE WARRANTOR, MINUS A USE ALLOWANCE.  (5) A WARRANTOR MAY DENY LIABILITY IF THE PROBLEM IS CAUSED BY  ABUSE, NEGLECT, OR UNAUTHORIZED MODIFICATIONS OF THE EQUIPMENT.  (6)  A WARRANTOR MAY REFUSE TO EXCHANGE COMPARABLE EQUIPMENT OR REFUND YOUR PURCHASE PRICE IF THE PROBLEM DOES  NOT  SUBSTANTIALLY  IMPAIR  THE VALUE, SAFETY OR USE OF YOUR FARM EQUIPMENT.  (7)  IF  THE WARRANTOR DOES NOT HAVE AN ARBITRATION PROCEDURE, YOU MAY RESORT TO ANY REMEDY BY LAW AND MAY BE ENTITLED TO YOUR ATTORNEY'S  FEES IF YOU PREVAIL.  (8) NO CONTRACT OR AGREEMENT CAN VOID ANY OF THESE RIGHTS.  (9)  AS  AN  ALTERNATIVE  TO  THE ARBITRATION PROCEDURE MADE AVAILABLE THROUGH THE WARRANTOR, YOU MAY INSTEAD CHOOSE TO SUBMIT YOUR CLAIM TO AN INDEPENDENT ARBITRATOR, APPROVED BY THE ATTORNEY GENERAL. YOU WILL  HAVE TO PAY A FEE FOR SUCH AN ARBITRATION. CONTACT YOUR LOCAL CONSUMER OFFICE OR  ATTORNEY GENERAL'S OFFICE TO FIND OUT HOW TO ARRANGE FOR INDEPENDENT ARBITRATION.
NY Gen Bus L § 701 (2021)
2021 New York Laws GBS - General Business Article 34 - Creditor Billing Errors 701 - Definitions.

§ 701. Definitions. Whenever used in this article:1. "Consumer" means a natural person.2. "Creditor" means a person, partnership, corporation, association or   other  entity who, in the ordinary course of business, regularly extends   consumer credit.3. "Consumer credit" means credit extended to  a  consumer,  primarily   for  personal,  family  or  household purposes, pursuant to a plan under   which the creditor may permit the consumer to make purchases  or  obtain   loans,  from  time  to time, directly from the creditor or indirectly by   use of a credit card, check or other device, as the plan may provide.4. "Billing error"  means  the  initial  occurrence  of  an  error  by   omission  or  commission by the creditor in a billing statement given to   the consumer by the creditor in (a) posting any debit or credit  or  (b)   the  computation of any amount or (c) any similar error of an accounting   nature or (d) posting any debit for goods which were not received by the   consumer as required  by  the  provisions  of  subdivision  fourteen  of   section four hundred thirteen of the personal property law.
NY Gen Bus L § 702 (2021)
2021 New York Laws GBS - General Business Article 34 - Creditor Billing Errors 702 - Application.

§  702.  Application. 1. Except as provided in subdivision two of this   section, this chapter shall not apply to statements of accounts rendered   to customers by public utilities whose billing practices are subject  to   the jurisdiction and regulation of the public service commission.2.  Subject  to federal law and regulation, no creditor shall charge a   consumer an additional rate or fee associated with payment on an account   when the consumer chooses to pay by United States mail. This subdivision   shall not be construed to prohibit a creditor from offering consumers  a   credit or other incentive to elect a specific payment option.
NY Gen Bus L § 703 (2021)
2021 New York Laws GBS - General Business Article 34 - Creditor Billing Errors 703 - Notice of Error and Response.

§ 703. Notice of error and response. If a creditor, having transmitted   to  a  consumer a statement of the consumer's account, receives from the   consumer at an address designated therefor by the creditor in accordance   with section seven hundred five of this article, within  sixty  days  of   the  mailing  of  said  statement, a written notice, on a document other   than a document provided by the creditor to accompany  payment,  setting   forth  sufficient  information  to  enable  the creditor to identify the   consumer and the account,  the  amount  and  transaction  shown  in  the   statement  which  the  consumer  in  good faith believes to be a billing   error, and the facts providing the basis for the consumer's belief  that   the statement is in error; the creditor shall:1.  Not  later  than  thirty  days after receipt of the notice, mail a   written acknowledgment to the consumer; and2. Not later than ninety days after receipt of the notice and prior to   taking any action to collect the amount believed by the consumer to be a   billing error, (a) make appropriate corrections in the  account  of  the   consumer  and  mail  to  the  consumer a written notice stating that the   amount believed to be in error has been corrected and will be  shown  on   the  next  statement mailed to the consumer or (b) send a written notice   to the consumer setting forth the reasons why the creditor believes  the   account of the consumer was correctly shown in the statement; and3.  Not  communicate  unfavorable  credit  information  concerning the   consumer to any person, including but not limited to credit  bureaus  or   credit  reporting agencies, based upon the consumer's failure to pay the   amount believed by him to be a billing error,  until  the  creditor  has   complied with this section.
NY Gen Bus L § 704 (2021)
2021 New York Laws GBS - General Business Article 34 - Creditor Billing Errors 704 - Permissible Procedures by Creditor.

§ 704. Permissible procedures by creditor. Notwithstanding the receipt   by  a creditor of a notice from a consumer as described in section seven   hundred three of this act, a creditor may, subject to the provisions  of   section  seven hundred seven of this act, transmit statements of account   to the consumer which include an amount believed by the consumer to be a   billing error, and  the  creditor,  further,  may  undertake  collection   procedures  not  attributable  to  such  consumer's  failure to pay, nor   directed at, such disputed amount.
NY Gen Bus L § 705 (2021)
2021 New York Laws GBS - General Business Article 34 - Creditor Billing Errors 705 - Statement to Contain Instructions for Notification of Error.

§  705.  Statement  to contain instructions for notification of error.   Every statement of account rendered by a creditor to  a  consumer  shall   include  the  address  to  be  used  by the consumer in making inquiries   concerning his statement.
NY Gen Bus L § 706 (2021)
2021 New York Laws GBS - General Business Article 34 - Creditor Billing Errors 706 - Notice to Consumer of This Act.

§ 706. Notice to consumer of this act. Not later than sixty days after   the  effective date of this act, a creditor shall send to each consumer,   whose account was in existence on the effective date of  this  act,  and   with  or  before the first billing statement on any consumer credit plan   issued or offered to a new consumer after the effective date of this act   and upon each subsequent renewal  of  a  consumer's  account  a  written   notice  (by  any  means  reasonably  assuring the receipt thereof by the   consumer) which describes the procedures to be  followed  under  section   seven hundred three of this act. Provided, however, that with respect to   an  existing account on which there is no debit or credit balance on the   effective date of this act, a creditor shall have the option of  sending   such  notice  with  or before the first billing statement issued on such   account after the effective date of this act.
NY Gen Bus L § 710 (2021)
2021 New York Laws GBS - General Business Article 34-A - Consumer Credit Balances 710 - Definitions.

§ 710. Definitions. Whenever used in this article:1. "Consumer" means a natural person.2. "Creditor" means a person, partnership, corporation, association or   other  entity who, in the ordinary course of business, regularly extends   consumer credit. The term creditor includes any agent of a creditor  for   collection, processing or other purposes.3. "Consumer credit" means credit extended to a consumer on an account   pursuant  to  a plan under which the creditor may permit the customer to   make purchases or obtain loans, from time to  time,  directly  from  the   creditor  or indirectly by use of a credit card, check, or other device,   as the plan may provide. The term does not include  negotiated  advances   under an open end real estate mortgage or a letter of credit.4. "Credit balance" means any money or credit owed to, or held for the   benefit  of,  a  consumer  by  a  creditor on a consumer credit account,   whether resulting from an overpayment or return of  merchandise  by  the   consumer, or otherwise.
NY Gen Bus L § 711 (2021)
2021 New York Laws GBS - General Business Article 34-A - Consumer Credit Balances 711 - Transfer of Credit Balances Prohibited.

§  711.  Transfer  of  credit  balances  prohibited. No creditor shall   write-off, delete or transfer any credit balance greater than one dollar   from a consumer credit account except to the extent  that  the  consumer   has  either  received  a  cash  refund  or  made  offsetting  purchases.   Provided, however, that nothing herein shall prevent the  creditor  from   deleting a credit balance created through an error.
NY Gen Bus L § 712 (2021)
2021 New York Laws GBS - General Business Article 34-A - Consumer Credit Balances 712 - Mailing of Statements of Credit Account Balances.

§ 712. Mailing of statements of credit account balances. Each creditor   shall provide every holder of a consumer credit account with a statement   setting  forth  any credit balance greater than one dollar at the end of   the billing cycle in which such balance is  first  posted,  unless  such   balances  have  already  been  refunded, and thereafter at least once in   every three billing cycles.
NY Gen Bus L § 713 (2021)
2021 New York Laws GBS - General Business Article 34-A - Consumer Credit Balances 713 - Required Notice in Credit Account Statements; Refund of Balances.

§  713.  Required  notice  in  credit  account  statements;  refund of   balances. 1. Every statement reflecting a credit balance in favor of the   consumer shall contain a clear and conspicuous notice stating the  right   of  the  consumer  to  request  and  receive a refund of the full credit   balance, together with the address to which such request may be sent.2. Every creditor shall refund the full  credit  balance  by  cash  or   check within thirty days of receipt of such request.
NY Gen Bus L § 714 (2021)
2021 New York Laws GBS - General Business Article 34-A - Consumer Credit Balances 714 - Automatic Refund of Credit Balances.

§  714.  Automatic  refund  of credit balances. Where a credit balance   greater than one dollar exists, and  where  no  purchases,  payments  or   other  transactions (other than the imposition of service, membership or   other administrative charges) occur with respect to  a  consumer  credit   account  for  six  consecutive billing cycles, the creditor shall refund   the full amount of such credit balance by cash or  check  within  thirty   days after the end of such period of inactivity.
NY Gen Bus L § 715 (2021)
2021 New York Laws GBS - General Business Article 34-A - Consumer Credit Balances 715 - Disposition of Unclaimed Credit Balances.

§  715.  Disposition  of  unclaimed  credit balances. In the event the   creditor, after due diligence, cannot locate a consumer to make a credit   balance refund pursuant to this article, such money shall be retained in   a separate trust account to be  maintained  by  the  creditor  for  such   purpose  for a period of three years and thereafter shall be transferred   to the New York state  department  of  audit  and  control  to  be  held   pursuant to the provisions of the New York abandoned property law.
NY Gen Bus L § 716 (2021)
2021 New York Laws GBS - General Business Article 34-A - Consumer Credit Balances 716 - Violations and Penalties.

§  716.  Violations and penalties. Whenever there shall be a violation   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  such  violations;  and  if  it  shall  appear  to   the   satisfaction  of  the  court or justice that the defendant has, in fact,   violated this section, 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  section  eighty-three  hundred  three,   subdivision  six  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.
NY Gen Bus L § 717 (2021)
2021 New York Laws GBS - General Business Article 34-B - Annual Credit Interest Statements 717 - Definitions.

§ 717. Definitions. Whenever used in this article:1. "Obligor" means a natural person.2. "Creditor" means a person, partnership, corporation, association or   other  entity  who in the ordinary course of business, regularly extends   consumer credit. The term creditor includes any agent of a creditor  for   collection, processing or other purposes.3. "Consumer credit" means credit extended to an obligor on an account   pursuant  to  a plan under which (a) the creditor may permit the obligor   to make purchases or obtain loans, from time to time, directly from  the   creditor  or indirectly by use of a credit card, check, or other device,   as the plan may provide; (b) the customer has the  privilege  of  paying   the  balance in full or in installments; and (c) a finance charge may be   computed by the creditor from time to  time  on  an  outstanding  unpaid   balance. The term does not include negotiated advances under an open end   real estate mortgage or a letter of credit.4.  "Interest"  means that part of the entire amount agreed to be paid   for the purchase made or loan advanced which exceeds  the  aggregate  of   the  cash  value  of  such  purchases  or loans and is deemed to include   service charges, time-price charges and per check charges.
NY Gen Bus L § 718 (2021)
2021 New York Laws GBS - General Business Article 34-B - Annual Credit Interest Statements 718 - Annual Interest Statements.

§  718.  Annual  interest  statements.  1. The creditor of any account   under a consumer credit plan on which interest aggregating fifty dollars   or more has  been  paid  in  any  calendar  year  and  who  maintains  a   computerized  or  otherwise automated electronic system for the issuance   of periodic billing statements in the ordinary course of business  shall   furnish  to the obligor a notice capable of being marked and returned to   the creditor which,  upon  being  marked  and  returned,  shall  require   issuance  of  a statement of the aggregate interest charges paid by such   obligor. Such statement shall be issued on or before February  fifteenth   in the following year.2.  Notwithstanding the provisions of subdivision one of this section,   a creditor may satisfy the requirements  imposed  therein  by  providing   such a statement printed clearly and conspicuously on a periodic billing   statement  provided  in  the  creditor's  ordinary  course  of business,   provided that such billing statement is furnished to the obligor  on  or   before  February  fifteenth  of the year following the year in which the   interest charges were imposed.
NY Gen Bus L § 719 (2021)
2021 New York Laws GBS - General Business Article 34-B - Annual Credit Interest Statements 719 - Violations and Penalties.

§  719.  Violations and 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 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.   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 § 720 (2021)
2021 New York Laws GBS - General Business Article 35 - Warranties on Mobile Homes 720 - Necessity of Warranty.

§  720.  Necessity  of  warranty.  After  the  effective  date of this   article, all new mobile homes sold by a mobile home dealer  situated  in   the state of New York shall be covered by the warranty set forth in this   article.
NY Gen Bus L § 721 (2021)
2021 New York Laws GBS - General Business Article 35 - Warranties on Mobile Homes 721 - Definitions.

§  721.  Definitions.  As  used  in  this  article, unless the context   otherwise indicates,  the  following  words  shall  have  the  following   meanings:1. Dealer. "Dealer" shall include any person, corporation, association   or  any  other  legal  entity  who  customarily  sells  mobile  homes to   consumers.2.  Manufacturer.  "Manufacturer"  means   any   person   who   makes,   fabricates, constructs, or assembles a mobile home. A manufacturer shall   not  include  the  person  who  installs or sets up the mobile home on a   site.3. Mobile home. "Mobile  home"  means  a  moveable  or  portable  unit   designed  and  constructed  to be towed on its own chassis, comprised of   frame and wheels, connected to utilities, and designed  and  constructed   without a permanent foundation for year-round living. A unit may contain   parts  that  may be folded, collapsed or telescoped when being towed and   expanded later to provide additional cubic capacity as well  as  two  or   more  separately  towable components designed to be used exclusively for   residential purposes, excluding travel trailers.
NY Gen Bus L § 722 (2021)
2021 New York Laws GBS - General Business Article 35 - Warranties on Mobile Homes 722 - Application.

§  722.  Application.  The warranty provided for in this article shall   apply to the manufacturer of the mobile home as well as  to  the  dealer   who sells the mobile home to the buyer.
NY Gen Bus L § 723 (2021)
2021 New York Laws GBS - General Business Article 35 - Warranties on Mobile Homes 723 - Written Warranty; Contents.

§  723.  Written warranty; contents. The mobile home warranty from the   manufacturer to the buyer shall  be  set  forth  in  writing  and  shall   contain the following terms:1.  Defects. That the mobile home is free from any substantial defects   in materials or workmanship.2. Corrective action. That the manufacturer  or  the  dealer  for  the   account  of  the  manufacturer  shall take appropriate corrective action   within sixty days of receipt of written notification at the site of  the   mobile  home  in  instances  of  substantial  defects  in  materials  or   workmanship, which become evident within one year from the date  of  the   delivery  of  the  mobile home to the consumer, provided the consumer or   his transferee gives written notice of such defects to the  manufacturer   or dealer at their business address not later than one year and ten days   after date of delivery.
NY Gen Bus L § 724 (2021)
2021 New York Laws GBS - General Business Article 35 - Warranties on Mobile Homes 724 - Cumulative Remedies; Prohibition Against Waiver.

§  724.  Cumulative remedies; prohibition against waiver. The warranty   under this article shall be in addition to and not in derogation of  all   other rights and privileges which such consumer may have under any other   law  or instrument. Waiver of any rights by the buyer under this chapter   shall be deemed contrary to public policy and shall be unenforceable and   void.
NY Gen Bus L § 730 (2021)
2021 New York Laws GBS - General Business Article 35-A - Aftermarket Rustproofing Warranties of New Motor Vehicles 730 - Definitions.

§  730.  Definitions.  Whenever  used in this article: 1. "Aftermarket   rustproofing" means  the  application  of  rust-inhibiting  material  to   various  areas  of  a  new  motor  vehicle  after  the  vehicle has been   assembled.2. "Buyer" means a natural person who  buys  or  receives  aftermarket   rustproofing  on  a  new motor vehicle if such vehicle is bought for use   primarily for personal, family or household purposes.3. "Person" means an individual, partnership, corporation, association   or any other legal entity.4. "Warrantor" means any person who issues a written warranty pursuant   to section seven hundred thirty-one of this article.
NY Gen Bus L § 731 (2021)
2021 New York Laws GBS - General Business Article 35-A - Aftermarket Rustproofing Warranties of New Motor Vehicles 731 - Written Warranty Required.

§  731.  Written  warranty  required. A person who applies aftermarket   rustproofing to motor vehicles sold in  this  state  shall  provide  the   buyer  with  a  written warranty which complies with the requirements of   this article.