reglab/statecodes huggingface dataset:
2023 New York Laws › GBS - General Business › Article 28-E - Children's Product Safety and Recall Effectiveness Act of 2008 › 490-G - Enforcement.

§  490-g.  Enforcement. 1. Where it is determined after a hearing that
  any person has violated one or more  provisions  of  this  article,  the
  secretary  may  assess  a  civil  penalty  no greater than five thousand
  dollars for each violation. Any proceeding conducted  pursuant  to  this
  section shall be subject to the state administrative procedure act. Upon
  the  occasion  of  a  second  violation or subsequent violations of this
  article, a civil penalty no greater than fifty thousand dollars  may  be
  assessed.
2.  The  department shall provide the attorney general any information
  on recalled or unsafe products, complaints regarding recalled or  unsafe
  products  and  violations  of  this  section  that are necessary for the
  purposes of enforcement by the  attorney  general  pursuant  to  section
  sixty-three of the executive law.
3.  The secretary or his or her designee may administer oaths and take
  affidavits in relation to any matter or proceeding in  the  exercise  of
  the  powers  and  duties under this article. The secretary or his or her
  designee may subpoena and require the attendance of  witnesses  and  the
  production   of   books,  papers,  contracts  and  any  other  documents
  pertaining to any investigation or hearing conducted  pursuant  to  this
  article.
4.  If  any person refuses to comply with a subpoena issued under this
  section, the department may petition a court of  competent  jurisdiction
  to enforce the subpoena and such sanctions as the court may direct.
5.  Nothing  in  this section shall be construed to restrict any right
  which any person may have under any other statute or at common law.
2023 New York Laws › GBS - General Business › Article 28-F - Crohn's Colitis Fairness Act › 491 - Definition.

§  491.  Definition.  As  used  in  this  article,  "eligible  medical
  condition"  means  Crohn's  disease,  ulcerative  colitis,   any   other
  inflammatory  bowel  disease,  irritable  bowel  syndrome  or  any other
  medical condition that requires immediate access to a toilet facility.
2023 New York Laws › GBS - General Business › Article 28-F - Crohn's Colitis Fairness Act › 493 - Required Changes.

§ 493. Required changes. Nothing in section four hundred ninety-two of
  this article shall be construed as requiring a place of business open to
  the  general  public for the sale of goods or services that has a toilet
  facility for its employees to make any physical changes to  an  employee
  toilet facility.
2023 New York Laws › GBS - General Business › Article 28-F - Crohn's Colitis Fairness Act › 494 - Denial of Access.

§  494.  Denial  of  access.  1.  The consumer protection division, as
established in section ninety-four-a of the executive  law,  shall  have
the power and duty:
(a)  to  receive  complaints  from any individual that has been denied
access to an employee toilet facility in violation of this article;
(b) to attempt to mediate such complaints where appropriate; and
(c) to refer such complaints to the appropriate unit of the department
or the federal, state or other agency authorized by law for  appropriate
action on such complaints.
2.  Any  county, city or town office of consumer protection shall have
the power and duty:
(a) to receive complaints from any individual  that  has  been  denied
access to an employee toilet facility in violation of this article;
(b) to attempt to mediate such complaints where appropriate; and
(c) to refer such complaints to the appropriate unit of the department
or  the federal, state or other agency authorized by law for appropriate
action on such complaints.
2023 New York Laws › GBS - General Business › Article 29 - Manufacture, Sale and Introduction or Movement in Commerce of Flammable Wearing Apparel, Fabrics, Related Material and Interior Furnishing Prohibited › 500 - Definitions.

§ 500. Definitions. As used in this article,
1.   "Person"   means   an   individual,   partnership,   corporation,
  association, or any other form of business enterprise.
2. "Article of wearing  apparel"  means  any  costume  or  article  of
  clothing worn or intended to be worn by individuals.
3. "Interior furnishing" means any type of furnishing made in whole or
  in  part of fabric or related material and intended for use or which may
  reasonably be expected to be used in homes, offices, or other places  of
  assembly or accommodation.
3-a.  "Portable  temporary  shelter"  shall  include  but shall not be
  limited to, any type  of  tent,  fold-out  or  pop-up  camping  or  tent
  trailer,  recreational  vehicle  awning  or  add-on  room or shelter, or
  screen house made in whole, or in part of fabric or related material.
4. "Fabric" means any material (except fiber, filament,  or  yarn  for
  other  than  retail  sale) woven, knitted, felted, or otherwise produced
  from or in combination with any natural or  synthetic  fiber,  film,  or
  substitute therefor which is intended for use or which may reasonably be
  expected to be used in any product as defined in subdivision six of this
  section.
5. "Related material" means paper, plastic, rubber, synthetic film, or
  synthetic  foam  which  is  intended  for use or which may reasonably be
  expected to be used in any product as defined in subdivision six of this
  section.
6.  "Product"  means  any  article  of   wearing   apparel,   interior
  furnishing, sleeping bag, or portable temporary shelter.
7. "Department" means the department of labor.
8.  "Commissioner" means the "industrial commissioner" of the state of
  New York.
9. "Manufacture" means "making," or "made"  and  includes  converting,
  processing,  altering,  repairing,  finishing, or preparing for sale any
  product, fabric or related material.
10. "Sale," "sell" or "sold," includes offering or exposing  for  sale
  or exchange or hire or lease, or consigning or delivering in consignment
  for  sale,  exchange,  hire  or lease or holding in possession with like
  intent.
2023 New York Laws › GBS - General Business › Article 29 - Manufacture, Sale and Introduction or Movement in Commerce of Flammable Wearing Apparel, Fabrics, Related Material and Interior Furnishing Prohibited › 501 - Prohibitions.

§  501.  Prohibitions.  The  manufacture  and/or sale, or offering for
  sale, or the introduction, delivery for introduction, transportation  or
  causing  to  be  transported  in  commerce or for the purpose of sale or
  delivery after sale in commerce,  of  any  product,  fabric  or  related
  material  which under the provisions of section five hundred two of this
  article is so highly flammable as to be dangerous when worn or  used  by
  individuals, shall be unlawful.
2023 New York Laws › GBS - General Business › Article 29 - Manufacture, Sale and Introduction or Movement in Commerce of Flammable Wearing Apparel, Fabrics, Related Material and Interior Furnishing Prohibited › 502 - Standards of Flammability.

§  502.  Standards  of  flammability.  Any  product, fabric or related
  material shall be deemed so  highly  flammable  within  the  meaning  of
  section  five hundred one of this article, when it fails to conform to a
  standard or regulation  promulgated  by  the  commissioner,  and  to  an
  applicable standard or regulation issued or amended under the provisions
  of  section four of the federal "Flammable Fabric Act" as promulgated by
  the Federal consumer product safety commission.
2023 New York Laws › GBS - General Business › Article 29 - Manufacture, Sale and Introduction or Movement in Commerce of Flammable Wearing Apparel, Fabrics, Related Material and Interior Furnishing Prohibited › 505 - Guaranty.

§  505.  Guaranty.  1. No person shall be subject to prosecution under
  section five hundred one of this article if such person (1)  establishes
  a  guaranty received in good faith signed by and containing the name and
  address of the person residing in the United States by whom the product,
  fabric or related material guaranteed was manufactured or from  whom  it
  was  received,  to  the  effect that reasonable and representative tests
  made under the procedures provided in section five hundred two  of  this
  article show that the product, fabric or related material covered by the
  guaranty,  or used in the product, fabric or related material covered by
  the guaranty, is not, under the provisions of section five  hundred  two
  of  this  article,  so  highly flammable as to be dangerous when worn or
  used by individuals, and (2) has not, by  further  processing,  affected
  the  flammability  of the product, fabric or related material covered by
  the guaranty which he received. Such guaranty  shall  be  either  (a)  a
  separate  guaranty  specifically  designating  the  product,  fabric  or
  related material guaranteed, in which case it may be on the  invoice  or
  other paper relating to such product, fabric or related material; or (b)
  a  continuing  guaranty  filed  with  the department or with the federal
  trade commission applicable to any product, fabric or  related  material
  handled  by  a  guarantor, in such form as the department or the federal
  trade commission by  rules  or  regulations  may  prescribe;  or  (c)  a
  continuing  guaranty given by seller to buyer applicable to any product,
  fabric or related material sold or to be sold to buyer by  seller  in  a
  form  as  the  department  or  the  federal trade commission by rules or
  regulations may prescribe.
2. The furnishing with respect  to  any  product,  fabric  or  related
  material,  of  a  false  guaranty,  except  by  a  person relying upon a
  guaranty to the same effect received in good faith  and  signed  by  and
  containing  the  name  and  address of the person residing in the United
  States by whom the product, fabric or related  material  guaranteed  was
  manufactured  or  from  whom it was received, with reason to believe the
  product,  fabric  or  related  material  falsely   guaranteed   may   be
  introduced, sold or transported in commerce, is unlawful.
2023 New York Laws › GBS - General Business › Article 29 - Manufacture, Sale and Introduction or Movement in Commerce of Flammable Wearing Apparel, Fabrics, Related Material and Interior Furnishing Prohibited › 506 - Exclusions.

§ 506. Exclusions. The provisions of this article shall not apply:
1.  to  any common carrier, contract carrier or freight forwarder with
  respect to a product, fabric or related material  shipped  or  delivered
  for shipment into commerce in the ordinary course of its business; or
2.  to  any  person  manufacturing, delivering for shipment, shipping,
  selling, or offering for sale for export from the state to  any  foreign
  county a product, fabric or related material made in accordance with the
  specifications of the purchaser; or
3.  to  any convertor, processor, or finisher in performing a contract
  or commission service for  the  account  of  a  person  subject  to  the
  provisions  of  this article provided that such convertor, processor, or
  finisher does not cause any  product,  fabric  or  related  material  to
  become  subject to this article contrary to the terms of the contract or
  commission service; or
4. to any product, fabric or related material shipped or delivered for
  shipment into commerce for the purpose of  finishing  or  processing  to
  render  such product, fabric or related material not so highly flammable
  under the provisions of section five hundred two of this article  as  to
  be dangerous when worn or used by individuals.
2023 New York Laws › GBS - General Business › Article 29 - Manufacture, Sale and Introduction or Movement in Commerce of Flammable Wearing Apparel, Fabrics, Related Material and Interior Furnishing Prohibited › 507 - Violations.

§ 507. Violations. A violation of any provision of this article or any
  rule  or  regulation  of  the  commissioner  promulgated  hereunder is a
  misdemeanor. Each product, fabric or  related  material  made,  sold  or
  exposed for sale, shall constitute a separate violation.
2023 New York Laws › GBS - General Business › Article 29 - Manufacture, Sale and Introduction or Movement in Commerce of Flammable Wearing Apparel, Fabrics, Related Material and Interior Furnishing Prohibited › 509 - Interpretation and Separability.

§ 509. Interpretation and separability. The provisions of this article
  shall  be  held  to  be  in  addition to, and not in substitution for or
  limitation of, the provisions of any other law of  this  state.  If  any
  provision  of  this  article or the application thereof to any person or
  circumstances is held invalid the  remainder  of  the  article  and  the
  application  of such provision to any other person or circumstance shall
  not be affected thereby.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 511 - Definitions.

§  511.  Definitions.  In  this article, unless the context or subject
  matter otherwise requires:
1. "Credit card" means and includes any  credit  card,  credit  plate,
  charge  plate,  courtesy  card,  or  other identification card or device
  issued by a person to another person which may be used to obtain a  cash
  advance or a loan or credit or to purchase or lease property or services
  on the credit of the issuer or of the holder;
2.  "Person"  includes  an  individual,  corporation,  partnership  or
  association, two or more persons having a joint or  common  interest  or
  any other legal or commercial entity;
3. "Issuer" means a person who issues a credit card or a debit card;
4. "Holder" means a person to whom such a credit card or debit card is
  issued or who has agreed with the issuer to pay obligations arising from
  the use of a credit card or debit card issued to another person;
5.  "Unauthorized use" means use of a credit card or a debit card by a
  person other than the holder  who  does  not  have  actual,  implied  or
  apparent  authority  from the holder for such use and from which use the
  holder receives no benefit;
6. "Seller" means any person who honors credit cards  or  debit  cards
  which may be used to purchase or lease property or services;
7. "Lender" means any person who honors credit cards which may be used
  to obtain a cash advance or loan.
8.  "Improper  use" means unauthorized use of a credit card or a debit
  card or use of a revoked, cancelled, expired or forged  credit  card  or
  debit  card  at  the  premises  of  a seller or lender, to obtain a cash
  advance or loan, or to purchase or lease property  or  services,  or  an
  attempt to do so;
9.  "Debit card" means a card, plate or other similar device issued by
  a person to another  person  which  may  be  used,  without  a  personal
  identification  number,  code  or similar identification number, code or
  similar identification, to purchase or lease property or  services.  The
  term  does  not  include  a  credit  card  or  a check, draft or similar
  instrument.
10. "Secured credit card" means any credit card for  which  an  issuer
  takes  a  pledge  of  a specifically identified interest-bearing deposit
  account as provided in section four hundred  thirteen  of  the  personal
  property law.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 512 - Limitation of Liability for Unauthorized Use of a Credit Card or a Debit Card.

§  512.  Limitation of liability for unauthorized use of a credit card
  or a debit card. A provision which imposes liability upon a holder for a
  cash advance or loan or  for  the  purchase  or  lease  of  property  or
  services  obtained  by  the unauthorized use of a credit card or a debit
  card shall not be enforceable to the extent that it  imposes  a  greater
  liability  upon  the  holder than is imposed upon the holder of a credit
  card under the provisions of the act  of  congress  entitled  "Truth  in
  Lending Act" and the regulations thereunder, as such act and regulations
  may from time to time be amended.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 513 - Injunctive Relief.

§  513. Injunctive relief. Whenever the attorney general has reason to
  believe that any violation of this article is a continuous practice,  he
  may  apply to the supreme court in any county wherein any such violation
  occurred for the purpose of restraining and enjoining the continuance of
  such violations.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 514 - Defenses.

§  514.  Defenses.  1. In any action for a cash advance or loan or for
the purchase or lease of property or  services  through  the  use  of  a
credit card or a debit card, it shall be a defense that such obligation
(a) arose out of the unauthorized use of a credit card or a debit card
which was not delivered to the holder; or
(b)  arose  subsequent  to  the  giving of notice by the holder to the
issuer of the unauthorized use, loss or theft, of such  credit  card  or
debit card; or
(c)  is  in excess of the limitation of liability for the unauthorized
use of a credit card provided in the act of congress entitled "Truth  in
Lending Act" and the regulations thereunder, as such act and regulations
may from time to time be amended.
2. If any of the defenses set forth in subdivision one of this section
be  established,  the court shall order the issuer to pay the reasonable
attorney's fees incurred in the defense of the action if the court finds
(a) that the holder has cooperated with the issuer in determining  the
facts  and  circumstances  relating  to  such  unauthorized use, loss or
theft, of the credit card or debit card; and
(b) that notwithstanding such cooperation with the issuer, the  issuer
has brought the action without reasonable cause.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 515 - Issuance of Credit Cards.

§  515.  Issuance  of  credit  cards.  1.  Notwithstanding  any  other
  provision of law, no person shall issue a credit card  in  violation  of
  the provisions of an act of congress entitled "Truth in Lending Act" and
  the regulations thereunder, as such act and regulations may from time to
  time be amended.
2.  The  issuance  of  a credit card in violation of the provisions of
  subdivision one of this section shall constitute a misdemeanor.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 516 - Improper Use of Credit Cards or Debit Cards; Defense of Lawful Detention.

§  516. Improper use of credit cards or debit cards; defense of lawful
  detention. In any action for false arrest, false imprisonment,  unlawful
  detention,  defamation  of  character, assault, trespass, or invasion of
  civil rights, brought by any person by reason of having been detained on
  or in the immediate vicinity of the premises  of  a  seller,  lender  or
  issuer,  for  the  purpose  of  investigation  or  questioning as to the
  ownership, possession, validity or use of a credit card or  debit  card,
  it  shall  be a defense to such action that the person was detained in a
  reasonable manner and for not more than a reasonable time to permit such
  investigation or questioning by a peace officer, acting pursuant to  his
  special  duties, or a police officer, or by a person acting on behalf of
  or by such seller, lender or issuer,  and  that  such  officer,  person,
  seller,  lender  or  issuer  had  reasonable grounds to believe that the
  person so detained was using or attempting to use  a  stolen  or  forged
  credit  card  or debit card or was making or attempting to make unlawful
  use of a credit card or debit card. As used in this section, "reasonable
  grounds" shall include, but not be limited to, knowledge that the credit
  card or debit card has been, or has been reported to be,  lost,  stolen,
  revoked,  cancelled, or forged and knowledge that the person had used or
  attempted to use the credit card or debit  card  to  purchase  or  lease
  property  or  services  or  to  obtain a cash advance, and a "reasonable
  time" shall mean the time necessary to permit  the  person  detained  to
  make  a  statement  or  to  refuse  to  make  a  statement, and the time
  necessary to examine employees and records of the seller, lender, issuer
  or holder relative to whether improper use was being made of the card.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 517 - Statements of Account.

§  517. Statements of account. No agreement between the issuer and the
  holder shall contain any provision that a statement sent by  the  issuer
  to  the  holder  shall  be  deemed  correct  unless objected to within a
  specified period of time. Any such provision is  against  public  policy
  and shall be of no force or effect.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 518 - Credit Card Surcharge Notice Requirement.

§  518. 1. Credit card surcharge notice requirement. Any seller in any
  sales transaction imposing a surcharge on a customer who elects to use a
  credit card in lieu of payment by cash, check, or  similar  means  shall
  clearly  and  conspicuously post the total price for using a credit card
  in such transaction, inclusive of surcharge, provided however, any  such
  surcharge  may  not  exceed  the  amount of the surcharge charged to the
  business by the credit card company for such credit card use. The  final
  sales  price of any such sales transaction, inclusive of such surcharge,
  shall not amount to a price greater than the posted price for such sales
  transaction. Nothing in this subdivision shall  be  deemed  to  prohibit
  merchants  from  offering a two-tier pricing system. For the purposes of
  this section, "two-tier  pricing  system"  shall  mean  the  tagging  or
  posting  of  two  different  prices  in  which  the  credit  card price,
  inclusive of any surcharge, is posted alongside the cash price.
2. Any seller who violates the provisions of  this  section  shall  be
  liable  for  a  civil  penalty,  recoverable  in an action or proceeding
  brought in a court of competent jurisdiction not to exceed five  hundred
  dollars  for each such violation. The provisions of this subdivision may
  be enforced concurrently by the director or commissioner of a  municipal
  consumer  affairs  office,  or  by  the  town attorney, city corporation
  counsel, or other lawful designee of a municipality or local government,
  and  all  moneys  collected  thereunder  shall  be  retained   by   such
  municipality or local government.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 518-A - Presentment of Social Security Number as Condition for Accepting a Check, Traveler's Check, Gift Certificate, Money Order or Other Negotiable Instrume

§  518-a.  Presentment  of  social  security  number  as condition for
  accepting a check, traveler's check, gift certificate,  money  order  or
  other  negotiable instrument in payment of sales transaction prohibited.
  1. No  seller  in  any  sales  transaction  shall  record  on  a  check,
  traveler's  check,  gift  certificate,  money  order,  other  negotiable
  instrument or attachment thereto, a social security number of a buyer in
  such transaction as a condition for accepting such instrument as payment
  in  such  transaction.  Nothing  contained  in  this  subdivision  shall
  prohibit  a  seller  from  so  recording  the  identifying number from a
  buyer's driver's license where such number is identical to or is a  part
  of the buyer's social security number.
2.  A  violation of the provisions of this section shall be punishable
  by a civil fine not to exceed one hundred dollars for a first  violation
  and not to exceed two hundred fifty dollars for subsequent violations.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 519 - Disclosure by Commercial Establishments Honoring Credit Cards.

§  519. Disclosure by commercial establishments honoring credit cards.
  1. Any person who honors credit cards that may be used  to  purchase  or
  lease property on the credit of the issuer or of the holder and requires
  a minimum purchase before accepting credit cards or refuses to allow the
  use  of such card on discounted or sale items must post such limitations
  or conditions conspicuously and in all advertisements that mention  that
  credit  cards  are  accepted.  The disclosure provisions with respect to
  these requirements shall be satisfied if the retail  installment  credit
  agreement  discloses the fact that the use of the credit card requires a
  minimum purchase or shall not be used to purchase sale items, or if  the
  issuer of the credit card notifies the holder in writing that the use of
  the  card requires a minimum purchase or that the card shall not be used
  to purchase sale items. This section shall not apply to minimum purchase
  requirements or other restrictions which are  applicable  regardless  of
  the method of payment.
2.  Any  person  violating  the  provisions  of  this section shall be
  subject to a civil fine of not more than  one  hundred  dollars  on  the
  first  violation  and  not  more  than  two hundred fifty dollars on the
  second and all subsequent violations.
3. This section does not annul, alter, affect  or  exempt  any  person
  subject  to the provisions of this section from complying with the laws,
  ordinances, rules or regulations of any locality relating to  disclosure
  of  limitations  and  conditions of credit card purchases, except to the
  extent that those local  laws,  ordinances,  rules  or  regulations  are
  inconsistent  with  any  provision  of this section and then only to the
  extent of the inconsistency.  However, any local law, ordinance, rule or
  regulation shall not be considered inconsistent with  any  provision  of
  this  section  if  such  local  law, ordinance, rule or regulation gives
  greater protection to the consumer.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 519-A - Credit Cards and Payment for Health Care Services.

* §  519-a.  Credit cards and payment for health care services. 1. For
  purposes of this section, the term "credit card"  shall  have  the  same
  meaning as in section five hundred eleven of this article.
2.  No  hospital  or  health  care  provider shall require credit card
  pre-authorization nor require the patient to have a credit card on  file
  prior  to providing emergency or medically necessary medical services to
  such patient.
3. Hospitals and health care providers shall notify all patients about
  the risks of paying for  medical  services  with  a  credit  card.  Such
  notification shall highlight the fact that by using a credit card to pay
  for  medical  services,  the  patient  is  forgoing  state  and  federal
  protections that regard medical debt. The commissioner of  health  shall
  have  the  authority  and  sole  discretion  to set requirements for the
  contents of such notices.
* NB Effective October 20, 2024
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 520-B - Secured Credit Cards.

§  520-b.  Secured  credit  cards. 1. If an issuer or any other person
uses a 900 telephone number to solicit or market a secured  credit  card
to  an  individual  residing  in  this state, or otherwise advertises or
promotes the availability of a secured credit card through use of a  900
telephone  number to an individual residing in this state, the issuer or
other person must disclose all  of  the  following  terms  that  may  be
applicable:
(a)  either  the flat fee charged for the call or the cost of the call
per minute and the anticipated number of minutes for such call;
(b) the  fact  that  the  fee  described  in  paragraph  (a)  of  this
subdivision is refundable in its entirety, at the consumer's request, if
for whatever reason the consumer does not get a secured credit card; and
(c)  the  fact  that no fees may be imposed or collected, other than a
refundable fee for a 900 telephone number, until the consumer has  asked
the  issuer  to  open a credit card account and the issuer has agreed to
open such an account under the terms and conditions of the offer.
2. The disclosures required by subdivision one of this  section  shall
be  provided  before  the  900  telephone  number  call is placed by the
consumer. Such disclosures shall be provided clearly and conspicuously.
3. An issuer of a secured credit card shall, either prior to or at the
time of issuance, disclose the minimum amount of money the consumer must
keep on deposit to qualify for such a card, the interest  that  will  be
paid  on  said  deposit,  and the amount of credit that will be extended
either in absolute terms or expressed as a percentage of such deposit.
4. In connection with any application or solicitation  for  a  secured
credit  card, no person shall impose any fee or charge as an application
fee, set-up fee, credit review fee, search fee, or any other fee by  any
other  name prior to, contemporaneous with, or incidental to the opening
of such a secured credit card agreement. Provided, however, that nothing
contained herein shall prohibit  an  issuer  from  contracting  for  and
imposing  any  fees  and  charges  authorized  by  section  four hundred
thirteen of the personal property law and provided further that  nothing
contained herein shall prohibit solicitation for such a card by use of a
900 telephone number pursuant to the provisions of this section.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 520-C - Credit Information.

§  520-c.  Credit information. 1. The department of financial services
shall establish a telephone number  and  an  area  on  its  website,  or
provide a link on such site to other websites with a toll-free telephone
number  service  at  which  customers  may  obtain information on annual
percentage rates, annual fees,  per-transaction  charges,  late  payment
fees,  overlimit  fees  and grace periods for credit cards to the extent
readily available to the department. Every issuer  of  credit  cards  to
natural  persons  residing  in  this  state  shall  set  forth  on  each
solicitation,  application  and  monthly  billing  statement  mailed  or
otherwise  presented  to  such  persons,  a  notice  stating  "New  York
residents may  contact  the  New  York  state  department  of  financial
services  by  telephone  or  visit  its  website for free information on
comparative credit card rates, fees  and  grace  periods."  Such  notice
shall  be  printed on the same side as the disclosure of rates, fees and
charges, in case of the solicitations and applications, and on the  same
side  as the notice of the balance of the account and the amount due are
printed,  in  the  case  of   the   monthly   billing   statement.   The
superintendent of financial services shall prescribe the web address and
telephone  number  to be printed next to the notice. The notice shall be
in type no smaller than eight points. The telephone number of the credit
card issuer shall appear higher up on the page and in the type at  least
as  large as that provided for the telephone number of the department of
financial services. Issuers shall include such notice in materials  sent
to  residents  of  this  state as required under this section commencing
October first, nineteen hundred ninety-four.
2. The superintendent of financial services  is  authorized  to  adopt
such  rules  and  regulations  as consistent with the provisions of this
section.
3. For the purposes of this section:
(a) "Credit card" means any card issued pursuant to an agreement which
allows the holder of the card to obtain goods and services on the credit
of the issuer; and
(b) "Issuer" means any bank, trust company, savings bank, savings  and
loan  association,  or  branch  of  a  foreign  banking  corporation the
deposits  of  which  are  insured  by  the  federal  deposit   insurance
corporation,  which  is  incorporated,  chartered, organized or licensed
under the laws of this state or any other state or  the  United  States,
which issues credit cards to natural persons residing in this state.
4.  The authority of the superintendent of financial services pursuant
to sections thirty-nine and forty-four of the banking law  shall  extend
to violations of this section by any issuer.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 520-D - Unsolicited Convienence Checks.

§  520-d.  Unsolicited convenience checks. 1. As used in this section,
the following terms shall have the following meanings:
(a) "check" means any negotiable instrument,  as  defined  by  section
3-104  of  the  uniform  commercial  code,  that has imprinted on it the
holder's name and  the  depository  institution's  name,  location,  and
routing number.
(b)  "unsolicited check" means any check mailed or otherwise delivered
to a holder by an issuer or agent acting on behalf of an issuer for  the
purpose of drawing on an existing account that is an extension of credit
or activating an account to obtain credit other than:
(1) in response to a request or application for a check or account; or
(2)  as  a  substitute for a check or account previously issued to the
person to whom the check is mailed or otherwise delivered.
2. No holder in whose name an unsolicited check  is  issued  shall  be
liable  for  any  amount  resulting  from  use of that check or account,
unless the holder has accepted the check or account by using  the  check
or  account. Failure to destroy or return an unsolicited check shall not
constitute acceptance of the check or account.
3. Any agreement entered into by a  holder  which  waives,  limits  or
disclaims the rights set forth in this section shall be void as contrary
to public policy.
2023 New York Laws › GBS - General Business › Article 29-A - Unauthorized or Improper Use of Credit Cards and Debit Cards › 520-E - Grace Period for Use of Credit Card Reward Points.

§ 520-e. Grace period for use of credit card reward points. 1. As used
in this section, the following terms shall have the following meanings:
(a) "credit card points" or "points" shall mean denominated units that
can  be  accumulated  in  an  account  in  connection with a credit card
reward, loyalty, or other incentive program, often referred to as points
or for certain travel-related rewards as miles,  which  are  redeemable,
fungible, or otherwise exchangeable, in whole or in part, for rewards;
(b) "rewards" shall mean goods, services, cash, merchant-specific gift
cards, travel benefits, or one or more other things of value;
(c) "rewards program" shall mean any agreement between a holder and an
issuer regarding points related to an account; and
(d)  "modified"  or  "modification"  shall  mean a change that has the
effect of eliminating points, reducing the value  of  points,  affecting
the  ability  of  a  holder  to  accumulate points, limiting or reducing
rewards availability, limiting a holder's use of points  or  the  credit
card  account, otherwise diminishing the value of the rewards program or
the credit card account to the holder or changing the obligations of the
holder with respect to the rewards program or credit card account.
2. If  any  credit  card  account  or  rewards  program  is  modified,
cancelled, closed or terminated, the holder must be provided notice from
the issuer of such cancellation, closure, termination or modification as
soon  as  possible,  and  in  any  event  within forty-five days of such
cancellation, closure, termination or modification. Beginning  with  the
date  on  which  notice  is  sent,  the holder shall have ninety days to
redeem, exchange, or otherwise use  any  credit  card  points  that  the
holder  accumulated  at  the  time  of  such modification, cancellation,
closure, or termination as permitted under the terms of the agreement or
agreements between the holder and the  issuer  which  is  servicing  the
applicable  credit  card  account or related rewards program, subject to
the availability of rewards.
3. It shall be unlawful for any agreement  between  an  issuer  and  a
holder,   or  any  rewards  program,  to  provide  for  the  expiration,
forfeiture or cancellation of credit card points prior to the expiration
of the ninety day period set forth in subdivision two of this section.
4. The provisions of subdivisions two and three of this section  shall
not  apply in the case of fraud by the holder with respect to the credit
card account or any related rewards program, or misuse by the holder  of
the credit card account or any related rewards program.
5.  Any  agreement  entered  into  by  a holder that waives, limits or
disclaims the rights set forth in this section shall be void as contrary
to public policy.
2023 New York Laws › GBS - General Business › Article 29-AAA - Credit Card Registration Services › 521 - Definitions.

§ 521. Definitions. As used in this article:
1. "Consumer" means a natural person.
2.  "Subscriber"  means a consumer who is solicited to purchase or who
  purchases the services of a credit card registration service.
3. "Person" means  any  individual,  firm,  partnership,  corporation,
  association or other legal entity.
4. "Credit card registration service" means any person who provides to
  subscribers for a fee services including, but not limited to, any of the
  following:  maintenance  of a registry of credit cards or access devices
  owned by a subscriber; notification on behalf of a  subscriber  to  card
  issuers  or  financial  institutions  that  any of a subscriber's credit
  cards or access devices have  been  lost  or  stolen;  assistance  to  a
  subscriber   in   obtaining   new  cards  or  access  devices  when  the
  subscriber's cards or access devices  have  been  lost  or  stolen;  and
  notification  on  behalf  of  a  subscriber to card issuers or financial
  institutions that a  subscriber's  address  has  changed.  If  a  person
  contracts with another for the other to provide credit card registration
  services,  the actual provider of the service and not the offeror of the
  service shall be deemed to be the credit card registration  service  and
  subject to the provisions of this article.
5.  "Credit  card"  means  and includes any credit card, credit plate,
  charge plate, courtesy card, or  other  identification  card  or  device
  which  may  be  used  to obtain a cash advance or a loan or credit or to
  purchase or lease property or services on the credit of the issuer or of
  the holder.
6. "Access device" means a card, code, or other means of access  to  a
  consumer's  account, or any combination thereof, that may be used by the
  consumer for the purpose of initiating electronic fund transfers.
7. "Contract for services" means a contract between a subscriber and a
  credit  card  registration  service  under   which   the   credit   card
  registration  service agrees to provide to a subscriber for a fee any of
  its services.
2023 New York Laws › GBS - General Business › Article 29-AAA - Credit Card Registration Services › 521-A - Disclosure Requirements.

§  521-a.  Disclosure  requirements. Prior to entering into a contract
  for services, the  credit  card  registration  service  shall  make  the
  following  disclosures:   (a) a notice that the purchase of the services
  or the renewal thereof is not required for  a  consumer  to  retain  his
  credit  card  or  access  device;  (b) a concise statement regarding the
  limitations of a consumer's liability for  unauthorized  use  of  credit
  cards  or access devices as established by the acts of Congress entitled
  "Truth in Lending Act"  and  "Electronic  Fund  Transfer  Act"  and  the
  regulations  thereunder,  as  such acts and regulations may from time to
  time be amended.
Such disclosures if made orally shall also be made in writing  by  the
  credit  card registration service to the subscriber no later than thirty
  days after the contract for services is entered into.
2023 New York Laws › GBS - General Business › Article 29-AAA - Credit Card Registration Services › 521-B - Contract Renewals.

§  521-b. Contract renewals. 1. No contract for services shall provide
  that services will be automatically renewed and the  subscriber  billed,
  unless  the  subscriber  named  in the expiring contract is notified not
  more than sixty and not less than fifteen days prior to the  termination
  of  the  existing  contract,  by  mail,  of the credit card registration
  services' intention to automatically renew the contract.
2. The written notice of renewal  shall  state  the  proposed  renewal
  term,  the  price for renewal and any additions, changes or deletions in
  the services to be furnished. The  notice  shall  state,  conspicuously,
  that  the  subscriber  may  elect  not to renew the service by sending a
  written notice of cancellation or  by  calling  a  toll  free  telephone
  number prior to the end of the expiring contract.
2023 New York Laws › GBS - General Business › Article 29-AAA - Credit Card Registration Services › 521-C - Limitation on Release of Subscriber Names.

§  521-c.  Limitation  on  release of subscriber names. No credit card
  registration service  shall  rent,  sell,  exchange  or  otherwise  make
  available  the  names,  addresses  and account numbers of cardholders or
  owners of access devices entrusted to it by  a  credit  card  or  access
  device issuer or other financial institution to any other person for use
  in  direct mail marketing or solicitation without prior written approval
  of the cardholder or access device owner. Notwithstanding the foregoing,
  nothing in this section shall be construed to restrict a  card  issuer's
  use of its own cardholder list.
2023 New York Laws › GBS - General Business › Article 29-AAA - Credit Card Registration Services › 521-D - Deceptive Acts Prohibited.

§  521-d.  Deceptive  acts  prohibited.  It is hereby declared to be a
  deceptive trade practice and unlawful for  a  credit  card  registration
  service to misrepresent in its advertising, promotional materials, sales
  materials,  or  in  any  other  manner  the nature of the services to be
  performed, the  identity  of  the  provider  of  the  services,  or  the
  consequences of failing to subscribe to the services.
2023 New York Laws › GBS - General Business › Article 29-AAA - Credit Card Registration Services › 521-E - Contracts Void and Unenforceable.

§  521-e.  Contracts  void  and  unenforceable.  1.  Any  contract for
  services which does not comply with the applicable  provisions  of  this
  article shall be void and unenforceable as contrary to public policy.
2. Any waiver by a consumer of the provisions of this article shall be
  deemed void and unenforceable.
2023 New York Laws › GBS - General Business › Article 29-AAA - Credit Card Registration Services › 521-F - Enforcement by Attorney General.

§  521-f.  Enforcement  by attorney general. Whenever there shall be a
  violation of this section, 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 one thousand 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.
2023 New York Laws › GBS - General Business › Article 29-B - Prohibited Credit Card Practices Involving Providers of Travel Services › 523 - Definitions.

§  523.  Definitions.  As  used  in this article: 1. "Travel services"
  means public transportation, public accommodations in hotels, motels  or
  motor  courts,  rental of motor vehicles or any other service related to
  travel.
2.  "Provider  of  travel  services"  means  every  person,  firm   or
  corporation engaged in the business of furnishing travel, transportation
  or vacation services.
2-a.   "Travel  agent"  shall  mean  any  person,  firm,  corporation,
  partnership or association, other than a common carrier or employee of a
  common carrier, that is  an  officially  appointed  agent  of  a  common
  carrier  and  meets  standards  no  less  than those required on January
  first, nineteen hundred ninety, for authorized  agents  of  the  airline
  reporting  corporation,  or  is  a registered member of the Cruise Lines
  International Association and who operates exclusively as an  agent  for
  cruise lines in the sale of cruise travel products or services, and who,
  as  a  legal  agent  of a supplier, sells or offers for sale any travel,
  transportation or vacation arrangements, or who negotiates for or  holds
  himself  or  herself  out by solicitation, advertisement or otherwise as
  one who sells,  provides,  furnishes  contracts  or  arranges  for  such
  travel, transportation or vacation services.
3. "Consumer" means a natural person.
4.  "Credit  card"  and  "issuer"  shall  have the same meanings as in
  article twenty-nine-A of this chapter.
2023 New York Laws › GBS - General Business › Article 29-B - Prohibited Credit Card Practices Involving Providers of Travel Services › 524 - Application.

§  524.  Application.  This  article  shall  apply with respect to any
  transaction involving the furnishing of travel services  to  a  consumer
  where  a  credit card is used to obtain credit and where the provider of
  travel services is a person other than the credit card issuer.