NY Gen Bus L § 601 (2021)
2021 New York Laws GBS - General Business Article 29-H - Debt Collection Procedures 601 - Prohibited Practices.

§ 601. Prohibited practices. No principal creditor, as defined by this   article, or his agent shall:1.   Simulate   in   any  manner  a  law  enforcement  officer,  or  a   representative of any governmental agency of the state of  New  York  or   any of its political subdivisions; or2.  Knowingly  collect,  attempt  to collect, or assert a right to any   collection fee, attorney's  fee,  court  cost  or  expense  unless  such   changes are justly due and legally chargeable against the debtor; or3. Disclose or threaten to disclose information affecting the debtor's   reputation  for  credit worthiness with knowledge or reason to know that   the information is false; or4. Communicate or threaten to communicate the  nature  of  a  consumer   claim to the debtor's employer prior to obtaining final judgment against   the  debtor.    The  provisions of this subdivision shall not prohibit a   principal creditor from communicating  with  the  debtor's  employer  to   execute  a wage assignment agreement if the debtor has consented to such   an agreement; or5.  Disclose  or  threaten  to  disclose  information  concerning  the   existence  of  a  debt  known  to  be  disputed  by  the  debtor without   disclosing that fact; or6. Communicate with  the  debtor  or  any  member  of  his  family  or   household  with  such  frequency  or  at such unusual hours or in such a   manner as can reasonably be expected to abuse or harass the debtor; or7. Threaten any action which  the  principal  creditor  in  the  usual   course of his business does not in fact take; or8.  Claim, or attempt or threaten to enforce a right with knowledge or   reason to know that the right does not exist; or9. Use a communication which simulates in any manner legal or judicial   process or which gives the appearance of  being  authorized,  issued  or   approved  by  a government, governmental agency, or attorney at law when   it is not; or10. Remotely disable  a  vehicle  using  a  payment  assurance  device   defined  in  paragraph sixty-a of subsection (a) of section 9-102 of the   uniform commercial code or by any other means in order  to  repossess  a   debtor's  vehicle  without  first  having  given  written  notice of the   possible remote disabling of a  vehicle  in  the  method  and  timetable   agreed upon by the consumer and the creditor in the initial contract for   services.  The notice shall be mailed by registered or certified mail to   the address at which the debtor will be residing on the expected date of   the remote disabling of the vehicle. The notice shall be  postmarked  no   later than ten days prior to the date on which the principal creditor or   his agent obtains the right to remotely disable the vehicle; or11.  If  such  principal  creditor  or  agent  sends  more  than fifty   information  subpoenas  per  month,  fail  to  keep   complete   records   concerning  all information subpoenas sent by such principal creditor or   agent. Such records shall be maintained for five years.  Contemporaneous   records  shall  be  kept that set forth with specificity the grounds for   such principal creditor or agent's  reasonable  belief,  which  must  be   certified  and  accompany  each  information  subpoena  pursuant to rule   fifty-two hundred twenty-four of the civil practice law and rules,  that   the party receiving the subpoena has in its possession information about   the  debtor  that  will  assist  the  creditor  in collecting his or her   judgement. In addition to any other penalty that may be imposed, failure   to maintain records in accordance with this  subdivision  shall  subject   such  principal  creditor  or  agent to a civil penalty of not more than   fifty dollars per subpoena, up to a maximum of five thousand dollars per   violation, in an action brought by the attorney general; or