2023 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; or
2.  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; or
3. 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; or
4. 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; or
5.  Disclose  or  threaten  to  disclose  information  concerning  the
  existence  of  a  debt  known  to  be  disputed  by  the  debtor without
  disclosing that fact; or
6. 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; or
7. Threaten any action which  the  principal  creditor  in  the  usual
  course of his business does not in fact take; or
8.  Claim, or attempt or threaten to enforce a right with knowledge or
  reason to know that the right does not exist; or
9. 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; or
10. 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; or
11.  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