reglab/statecodes huggingface dataset:
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 3 - Certain Prohibited Contracts and Provisions of Contracts › 5-335 - Limitation of Reimbursement and Subrogation Claims in Personal Injury and Wrongful Death Actions.

§  5-335.  Limitation  of  reimbursement  and  subrogation  claims  in
personal injury and wrongful death actions. (a) When a person settles  a
claim,  whether  in  litigation  or otherwise, against one or more other
persons  for  personal   injuries,   medical,   dental,   or   podiatric
malpractice,  or  wrongful death, it shall be conclusively presumed that
the settlement does not include any compensation for the cost of  health
care  services,  loss  of  earnings or other economic loss to the extent
those losses or expenses have been  or  are  obligated  to  be  paid  or
reimbursed by an insurer. By entering into any such settlement, a person
shall  not  be deemed to have taken an action in derogation of any right
of any insurer that  paid  or  is  obligated  to  pay  those  losses  or
expenses;  nor  shall a person's entry into such settlement constitute a
violation of any contract between the person and such insurer.
No person entering into such  a  settlement  shall  be  subject  to  a
subrogation  claim  or  claim  for  reimbursement  by  an insurer and an
insurer shall have no lien or  right  of  subrogation  or  reimbursement
against  any  such  settling  person  or  any  other  party  to  such  a
settlement, with respect to those losses or expenses that have  been  or
are obligated to be paid or reimbursed by said insurer.
(b)  This  section shall not apply to a subrogation claim for recovery
of  additional  first-party  benefits  provided  pursuant   to   article
fifty-one  of  the  insurance  law.  The  term  "additional  first-party
benefits", as used in this subdivision,  shall  have  the  same  meaning
given  it  in  section  65-1.3  of  title  11  of  the  codes, rules and
regulations of the state of New York as of the effective  date  of  this
statute.
(c)  This  section  shall  not apply to a subrogation or reimbursement
claim for  recovery  of  benefits  provided  by  Medicare  or  Medicaid,
specifically  authorized  pursuant to article fifty-one of the insurance
law, or pursuant to a policy  of  insurance  or  an  insurance  contract
providing workers' compensation benefits.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 3 - Certain Prohibited Contracts and Provisions of Contracts › 5-337 - Agreements Requiring Contractees to Waive Their Rights in Relation to Expressing Certain Opinions About Contractors Void and Unenforceable.

§  5-337.  Agreements  requiring  contractees to waive their rights in
relation to expressing  certain  opinions  about  contractors  void  and
unenforceable.  1.  (a)  A contract or proposed contract for the sale or
lease of consumer goods or services may not include a provision  waiving
the  consumer's  right  to  make  any  statement regarding the seller or
lessor or its employees or agents, or concerning the goods or services.
(b) It shall be unlawful to threaten or to seek to enforce a provision
made unlawful under this section, or to otherwise  penalize  a  consumer
for making any statement protected under this section.
2.  Any waiver of the provisions of this section is contrary to public
policy, and is void and unenforceable.
3. Any person or entity that violates this section shall be subject to
a civil penalty not to exceed two thousand five hundred dollars for  the
first  violation,  and five thousand dollars for the second and for each
subsequent violation, to be assessed and collected  in  a  civil  action
brought  by  the consumer or by the attorney general. In addition, for a
willful or intentional violation of this  section,  a  consumer  or  the
attorney  general may recover a civil penalty not to exceed ten thousand
dollars. Under this section, when the civil action  is  brought  by  the
consumer,  the  civil  penalty shall be payable to the consumer and when
the civil action is brought by the attorney general, such civil  penalty
shall be payable to the state.
4.  The  penalty  provided by this section is not an exclusive remedy,
and does not affect any other relief or remedy  provided  by  law.  This
section shall not be construed to prohibit or limit a person or business
that hosts online consumer reviews or comments from removing a statement
that is otherwise lawful to remove.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-401 - Illegal Wagers, Bets and Stakes.

§ 5-401. Illegal  wagers, bets and stakes. All wagers, bets or stakes,
  made to depend upon any race, or upon any gaming by lot  or  chance,  or
  upon any lot, chance, casualty, or unknown or contingent event whatever,
  shall be unlawful.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-411 - Contracts on Account of Money or Property Wagered, Bet or Staked Are Void.

§ 5-411. Contracts  on  account  of  money or property wagered, bet or
  staked are void. All contracts  for  or  on  account  of  any  money  or
  property,  or  thing  in  action  wagered, bet or staked, as provided in
  section 5-401, shall be void.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-413 - Securities for Money Lost at Gaming, Void.

§ 5-413. Securities  for  money  lost  at  gaming, void. All things in
  action, judgments, mortgages,  conveyances,  and  every  other  security
  whatsoever,  given  or  executed,  by any person, where the whole or any
  part of the consideration of the same shall be for any  money  or  other
  valuable  thing won by playing at any game whatsoever, or won by betting
  on the hands or sides of such as do play at any game, or where the  same
  shall  be made for the repaying any money knowingly lent or advanced for
  the purpose of such gaming or betting aforesaid, or lent or advanced  at
  the  time  and  place  of  such play, to any person so gaming or betting
  aforesaid, or to any person who during such play,  shall  play  or  bet,
  shall  be  utterly  void,  except  where such securities, conveyances or
  mortgages shall affect any real estate, when the same shall be  void  as
  to the grantee therein, so far only as hereinafter declared.
When  any securities, mortgages or other conveyances, executed for the
  whole or part of any consideration specified in the preceding  paragraph
  shall  affect  any real estate, they shall inure for the sole benefit of
  such person as would be entitled to the said real estate, if the grantor
  or person incumbering the same, had died, immediately upon the execution
  of such instrument, and shall be deemed to be taken and held to and  for
  the  use  of the person who would be so entitled.  All grants, covenants
  and conveyances, for preventing such real  estate  from  coming  to,  or
  devolving  upon,  the  person  hereby  intended  to  enjoy  the  same as
  aforesaid, or in any way incumbering or charging  the  same,  so  as  to
  prevent  such person from enjoying the same fully and entirely, shall be
  deemed fraudulent and void.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-415 - Certain Transfers of Property in Pursuance of Lottery, Void.

§ 5-415. Certain  transfers of property in pursuance of lottery, void.
  Every grant, bargain, sale, conveyance, or transfer of any real  estate,
  or  of  any goods, chattels, things in action, or any personal property,
  which shall hereafter be made in pursuance of any lottery,  or  for  the
  purpose  of  aiding and assisting in such lottery, game or other device,
  to be determined by lot or chance is hereby  declared  void  and  of  no
  effect.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-417 - Contracts, Agreements and Securities on Account of Raffling, Void.

§ 5-417. Contracts,  agreements and securities on account of raffling,
  void. All contracts, agreements and securities given, made or  executed,
  for  or  on  account  of  any raffle, or distribution of money, goods or
  things in action, for the payment of any money, or other valuable thing,
  in consideration of a chance in such raffle or distribution, or for  the
  delivery  of  any  money,  goods or things in action, so raffled for, or
  agreed to be distributed as aforesaid, shall be utterly void.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-419 - Property Staked May Be Recovered.

§ 5-419. Property  staked  may be recovered. Any person who shall pay,
  deliver or deposit any money, property or  thing  in  action,  upon  the
  event  of  any wager or bet prohibited, may sue for and recover the same
  of the winner or person to whom the same shall be paid or delivered, and
  of the stakeholder or other person in whose hands shall be deposited any
  such wager, bet or stake, or any part thereof, whether  the  same  shall
  have  been  paid  over  by such stakeholder or not, and whether any such
  wager be lost or not.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-421 - Losers of Certain Sums May Recover Them.

§ 5-421. Losers  of  certain  sums  may recover them. Every person who
  shall, by playing at any game, or by betting on the sides  or  hands  of
  such  as  do  play,  lose  at  any  time or sitting, the sum or value of
  twenty-five dollars or upwards, and shall pay or deliver the same or any
  part thereof, may, within three calendar months after  such  payment  or
  delivery,  sue  for and recover the money or value of the things so lost
  and paid or delivered, from the winner thereof.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 4 - Contracts Relating to Wagering; Forfeiture and Recovery of Certain Property › 5-423 - Money Paid for Lottery Tickets May Be Recovered by Action.

§ 5-423. Money  paid  for  lottery tickets may be recovered by action.
  Any person who shall purchase any share, interest,  ticket,  certificate
  of  any  share  or  interest,  or  part  of  a  ticket,  or any paper or
  instrument purporting to be a ticket or share or interest in any ticket,
  or purporting to be a certificate  of  any  share  or  interest  in  any
  ticket, or in any portion of any lottery, may sue for and recover double
  the  sum  of  money,  and double the value of goods or things in action,
  which he may have paid or delivered in consideration of  such  purchase,
  with double costs of suit.
Any  person  who  shall  have paid any money, or valuable thing, for a
  chance or interest in any lottery or  distribution,  prohibited  by  the
  penal  law,  may sue for and recover the same of the person to whom such
  payment or delivery was made.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-511 - Usurious Contracts Void.

§ 5-511. Usurious   contracts   void.  1.  All  bonds,  bills,  notes,
  assurances, conveyances, all other contracts or  securities  whatsoever,
  except  bottomry  and respondentia bonds and contracts, and all deposits
  of goods or other things whatsoever, whereupon or whereby there shall be
  reserved or taken, or secured or agreed to be  reserved  or  taken,  any
  greater sum, or greater value, for the loan or forbearance of any money,
  goods  or  other  things in action, than is prescribed in section 5-501,
  shall be void, except that the knowingly taking, receiving, reserving or
  charging such a greater sum or  greater  value  by  a  savings  bank,  a
  savings  and  loan association or a federal savings and loan association
  shall only be held and adjudged a  forfeiture  of  the  entire  interest
  which the loan or obligation carries with it or which has been agreed to
  be  paid  thereon.  If a greater sum or greater value has been paid, the
  person paying the same or his legal representative may recover from  the
  savings  bank,  the  savings and loan association or the federal savings
  and loan association twice the entire amount of the interest thus paid.
2.  Except  as  provided  in  subdivision  one,  whenever   it   shall
  satisfactorily  appear  by the admissions of the defendant, or by proof,
  that any bond, bill,  note,  assurance,  pledge,  conveyance,  contract,
  security  or  any  evidence  of  debt,  has  been  taken  or received in
  violation of the foregoing provisions, the court shall declare the  same
  to be void, and enjoin any prosecution thereon, and order the same to be
  surrendered and cancelled.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-513 - Recovery of Excess.

§ 5-513. Recovery  of  excess.  Every person who, for any such loan or
  forbearance, shall pay or deliver any  greater  sum  or  value  than  is
  allowed  to  be  received  pursuant  to  section 5-501, and his personal
  representatives, may recover in an action against the person  who  shall
  have  taken  or received the same, and his personal representatives, the
  amount of  the  money  so  paid  or  value  delivered,  above  the  rate
  aforesaid.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-515 - Borrower Bringing an Action Need Not Offer to Repay.

§ 5-515. Borrower   bringing  an  action  need  not  offer  to  repay.
  Whenever any borrower of money, goods or things in action,  shall  begin
  an action for the recovery of the money, goods or things in action taken
  in  violation of the foregoing provisions of this title, it shall not be
  necessary for him to pay or offer to pay any interest  or  principal  on
  the  sum  or  thing  loaned;  nor  shall any court require or compel the
  payment or deposit of the principal sum  or  interest,  or  any  portion
  thereof,  as  a condition of granting relief to the borrower in any case
  of usurious loans forbidden by the foregoing provisions of this title.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-517 - Transfer of Cause of Action for Usury.

§ 5-517. Transfer  of  cause of action for usury. A cause of action to
  cancel, or otherwise affect, an instrument executed, or an act done,  as
  security  for  a usurious loan or forbearance, can be transferred, where
  the instrument or act creates a specific charge upon property, which  is
  also  transferred  in  disaffirmance thereof, and not otherwise; but, in
  that case, the transferee does not succeed to the  right,  conferred  by
  statute  upon  the  borrower,  to  procure  relief,  without  paying, or
  offering to pay, any part of the sum or thing loaned.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-519 - Return of Excess a Bar to Further Penalties.

§ 5-519. Return of excess a bar to further penalties. Every person who
  shall  repay  or  return  the  money,  goods  or  other things so taken,
  accepted or received, or the value thereof, shall be discharged from any
  other or further forfeiture or penalty which he may have incurred  under
  sections  5-511  or  5-513,  by  taking or receiving the money, goods or
  other thing so repaid, or returned, as aforesaid.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-521 - Corporations Prohibited From Interposing Defense of Usury.

§ 5-521. Corporations prohibited from interposing defense of usury. 1.
  No  corporation  shall  hereafter  interpose the defense of usury in any
  action. The  term  corporation,  as  used  in  this  section,  shall  be
  construed  to include all associations, and joint-stock companies having
  any of the powers  and  privileges  of  corporations  not  possessed  by
  individuals or partnerships.
2.  The  provisions of subdivision one of this section shall not apply
  to a corporation, the principal asset of which shall be the ownership of
  a one or two family dwelling, where it  appears  either  that  the  said
  corporation  was organized and created, or that the controlling interest
  therein was acquired, within  a  period  of  six  months  prior  to  the
  execution,   by   said   corporation   of  a  bond  or  note  evidencing
  indebtedness, and a mortgage creating a lien for  said  indebtedness  on
  the said one or two family dwelling; provided, that as to any such bond,
  note  or  mortgage executed by such a corporation and effective prior to
  April sixth, nineteen hundred fifty-six, the defense  of  usury  may  be
  interposed   only   in  an  action  or  proceeding  instituted  for  the
  collection, enforcement or foreclosure of such note, bond or mortgage.
Any provision of any contract,  or  any  separate  written  instrument
  executed  prior  to,  simultaneously with or within sixty days after the
  delivery  of  any  moneys  to  any  borrower  in  connection  with  such
  indebtedness,  whereby  the  defense  of  usury  is  waived  or any such
  corporation is estopped from asserting it,  is  hereby  declared  to  be
  contrary to public policy and absolutely void.
3.  The  provisions of subdivision one of this section shall not apply
  to any action in which a corporation interposes a  defense  of  criminal
  usury as described in section 190.40 of the penal law.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-523 - Interest Permitted on Advances on Collateral Security.

§ 5-523. Interest  permitted  on  advances on collateral security.  In
  any case in which advances of money, repayable on demand, to  an  amount
  not  less  than  five thousand dollars, are made upon documents of title
  within article seven  of  the  uniform  commercial  code  or  negotiable
  instruments  within  article  three  or  article  eight  of  the uniform
  commercial code pledged as collateral security for  such  repayment,  it
  shall  be  lawful  to  receive or to contract to receive and collect, as
  compensation for making such advances, any sum  to  be  agreed  upon  in
  writing,  by  the parties to such transaction, provided that there shall
  not be received or contracted to  be  received  and  collected  on  such
  advances any amount which would be in violation of section 190.40 of the
  penal law.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-524 - Taking Security Upon Certain Property for Usurious Loans.

§ 5-524. Taking  security  upon certain property for usurious loans. A
  person  who  takes  security,  upon  any  household  furniture,   sewing
  machines,  plate  or  silverware  in  actual use, tools or implements of
  trade, wearing apparel or jewelry, for a loan or forbearance  of  money,
  or  for  the  use  or  sale of his personal credit, conditioned upon the
  payment of a greater rate than the rate prescribed by the superintendent
  of financial services pursuant to section fourteen-a of the banking law,
  or, if no rate has been so prescribed, six per centum per annum, or  who
  as  security for such loan, use or sale of personal credit as aforesaid,
  makes a pretended purchase of such property from any  person,  upon  the
  like condition, and permits the pledgor to retain the possession thereof
  is guilty of a misdemeanor.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-525 - Interest Charged by a Registered Broker or Dealer for Carrying Debit Balances.

§ 5-525. Interest  charged  by  a  registered  broker  or  dealer  for
  carrying  debit  balances.  Interest  charged  by  a  broker  or  dealer
  registered  under  the  securities  exchange  act  of  nineteen  hundred
  thirty-four, as amended, for carrying a debit balance including a  debit
  balance  arising out of a non-purpose loan, in an account for a customer
  shall not be subject to the limitations of  this  title,  including  the
  limitations contained in subdivision two of section 5-527 of this title,
  if  such debit balance is payable on demand and secured by securities or
  commodities upon which credit can be extended by a broker or dealer, and
  if, on the date when the interest is charged or accrued,  such  interest
  is  not  greater  than eight percentage points above the prime rate. For
  the purposes of this section, the prime rate  shall  equal  the  average
  prime  rate on short term business loans which is published by the board
  of governors of the federal reserve system  for  the  most  recent  week
  which  was publicly available from the board of governors of the federal
  reserve system on the previous business day.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-526 - Interest on Secured Loans or Forbearances.

§ 5-526. Interest  on  secured  loans  or  forbearances.  1.  Interest
  charged on loans or forbearances made to corporations  for  business  or
  commercial  purposes  in  the  amount of one hundred thousand dollars or
  more and secured in compliance with the uniform  commercial  code  shall
  not  be  subject to the limitations of this title or sections 190.40 and
  190.42 of the penal law, if on the date when the interest is charged  or
  accrued, such interest is not greater than eight percentage points above
  the prime rate.
2.  Such  secured  loans or forbearances which are made or advanced to
  any one corporate borrower in one or more  installments  pursuant  to  a
  written  agreement  which provides for either discretionary or mandatory
  advances by one or more lenders shall be deemed to be a single  loan  or
  forbearance  for  the  total  amount  which  the  lender or lenders have
  advanced, if such advances are discretionary, or have agreed to advance,
  if such advances are mandatory, pursuant to such agreement on the  terms
  and conditions provided therein.
3.  For  purposes of this section, the loan or forbearance transaction
  must create a security interest as set forth in section  9--109  of  the
  uniform  commercial  code  and must be filed pursuant to article nine of
  such code unless filing is not required pursuant to  section  9--310  of
  such  code,  or (b) must create a security interest set forth in section
  9--110 of such code.
4. For purposes of this  section,  the  prime  rate  shall  equal  the
  average  prime  rate  on short term business loans which is published by
  the board of governors of the federal reserve system for the most recent
  week which was publicly available from the board  of  governors  of  the
  federal reserve system on the previous business day.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 5 - Interest and Usury; Brokerage on Loans › 5-527 - Enforceability of Compound Interest.

§ 5-527. Enforceability  of  compound  interest.    1. A loan or other
  agreement  providing  for  compound  interest   shall   be   enforceable
  notwithstanding the date that such loan or other agreement providing for
  such compound interest shall have been executed; provided, however, that
  such  compound interest shall begin to accrue and become due and payable
  on the later to  occur  of  (a)  June  twenty-fourth,  nineteen  hundred
  eighty-nine  or  (b)  the  date that any obligation to pay such compound
  interest may have arisen, including, but not limited to, the date of any
  default or event of default under such loan or  other  agreement.    For
  purposes  of  this  subdivision, the term "compound interest" shall mean
  the accruing of interest upon unpaid interest  irrespective  of  whether
  such unpaid interest is added to the principal debt.
2.  The provisions of this section shall not be applicable to any loan
  or other financing agreement where the original principal debt is in  an
  amount  of two hundred fifty thousand dollars or less, or to any loan or
  other financing agreement secured primarily  by  a  one  or  two  family
  owner-occupied  residence.  For  purposes  of  this subdivision the term
  "residence" shall include a lessee's interest  in  a  proprietary  lease
  granted by a cooperative housing corporation.
3.  Notwithstanding the provisions of subdivision two of this section,
  nothing in this section shall affect the maximum rate of interest  which
  may be charged, taken or received as provided by law, or be construed to
  limit,  impair or otherwise affect any loan or other agreement which is,
  or would be, enforceable without reference to  this  section,  including
  but  not  limited  to an agreement made pursuant to section six-f of the
  banking law.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 6 - Interest on Certain Deposits › 5-601 - Interest on Deposits in Escrow With Mortgage Investing Institutions.

§ 5-601. Interest  on  deposits  in  escrow  with  mortgage  investing
  institutions. Any mortgage  investing  institution  which  maintains  an
  escrow  account  pursuant to any agreement executed in connection with a
  mortgage on any one to six family residence occupied by the owner or  on
  any property owned by a cooperative apartment corporation, as defined in
  subdivision  twelve  of  section three hundred sixty of the tax law, (as
  such subdivision was in effect on December thirtieth,  nineteen  hundred
  sixty),  and  located  in this state shall, for each quarterly period in
  which such escrow account is established, credit the same with dividends
  or interest at a rate of not less than two per centum per year based  on
  the  average  of  the  sums  so  paid  for the average length of time on
  deposit or a rate prescribed by the superintendent of financial services
  pursuant to section fourteen-b of the banking law and  pursuant  to  the
  terms  and conditions set forth in that section whichever is higher. The
  superintendent of financial services shall prescribe by  regulation  the
  method  or  basis  of computing any minimum rate of interest required by
  this section and any such minimum rate shall be  a  net  rate  over  and
  above  any  service  charge  that may be imposed by any mortgage lending
  institution for maintaining an escrow  account.  No  mortgage  investing
  institution  shall  impose  a  service  charge  in  connection  with the
  maintenance of an escrow account unless provision therefor was expressly
  made in a loan contract executed prior to the  effective  date  of  this
  section.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 6 - Interest on Certain Deposits › 5-602 - Interest on Insurance Draft Deposits in Escrow With Mortgage Investing Institutions.

§ 5-602. Interest  on insurance draft deposits in escrow with mortgage
  investing  institutions.  Any  mortgage  investing   institution   which
  maintains  an  escrow  account  pursuant  to  any  agreement executed in
  connection with a mortgage or any loan, secured by a lien on any one  to
  six family residence occupied by the owner or on any property owned by a
  cooperative  apartment  corporation, as defined in subdivision twelve of
  section three hundred sixty of the tax law, (as such subdivision was  in
  effect  on  December  thirtieth, nineteen hundred sixty), and located in
  this state and which  residence  or  cooperative  apartment  corporation
  received  from  an  insurance  carrier  a draft, forwarded to a mortgage
  investing institution, as compensation for damage done  to  a  residence
  shall,  for  each  quarterly  period  in  which  such  escrow account is
  established, credit the same with dividends or interest at a rate of not
  less than two per centum per year based on the average of  the  sums  so
  paid  for  the average length of time on deposit or a rate prescribed by
  the superintendent of financial services pursuant to section  fourteen-b
  of the banking law and pursuant to the terms and conditions set forth in
  that  section  whichever  is  higher.  The  superintendent  of financial
  services shall prescribe by regulation the method or basis of  computing
  any  minimum  rate  of  interest  required  by this section and any such
  minimum rate shall be a net rate over and above any service charge  that
  may  be  imposed  by any mortgage lending institution for maintaining an
  escrow account. No mortgage investing institution shall impose a service
  charge in connection with the maintenance of an  escrow  account  unless
  provision  therefor was expressly made in a loan contract executed prior
  to the effective date of this section.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 7 - Requirements of Writing, Execution or Acknowledgment for Effectiveness or Enforceability › 5-702 - Requirements for Use of Plain Language in Consumer Transactions.

§ 5-702. Requirements   for   use   of   plain  language  in  consumer
  transactions. a. Every written agreement  entered  into  after  November
  first,  nineteen  hundred  seventy-eight,  for  the lease of space to be
  occupied for residential purposes, for the lease of personal property to
  be used primarily for personal, family or household purposes or to which
  a consumer is a party and the money, property or service  which  is  the
  subject  of  the  transaction  is  primarily  for  personal,  family  or
  household purposes must be:
1. Written in a clear and coherent manner using words with common  and
  every day meanings;
2. Appropriately divided and captioned by its various sections.
Any  creditor,  seller  or  lessor  who  fails  to  comply  with  this
  subdivision shall be liable to a consumer who is a party  to  a  written
  agreement  governed by this subdivision in an amount equal to any actual
  damages sustained plus a penalty  of  fifty  dollars.  The  total  class
  action  penalty  against  any  such creditor, seller or lessor shall not
  exceed ten thousand dollars in any  class  action  or  series  of  class
  actions  arising  out  of  the use by a creditor, seller or lessor of an
  agreement which fails to comply with this subdivision. No  action  under
  this subdivision may be brought after both parties to the agreement have
  fully  performed  their  obligation  under such agreement, nor shall any
  creditor, seller or lessor who attempts in good  faith  to  comply  with
  this  subdivision  be  liable for such penalties. This subdivision shall
  not apply to a good faith attempt to  describe  the  constant  yield  or
  other  method  of determining the lease charge and depreciation portions
  of each base rental payment under a lease of personal property. It  also
  shall not apply to agreements involving amounts in excess of two hundred
  fifty thousand dollars nor prohibit the use of words or phrases or forms
  of  agreement required by state or federal law, rule or regulation or by
  a governmental instrumentality.
b. A violation of the provisions of  subdivision  a  of  this  section
  shall  not  render  any  such  agreement  void  or voidable nor shall it
  constitute:
1. A defense to any action or proceeding to enforce such agreement; or
2. A defense to any action or proceeding for breach of such agreement.
c. In addition to the above, whenever the attorney general finds  that
  there  has  been a violation of this section, he may proceed as provided
  in subdivision twelve of section sixty-three of the executive law.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 7 - Requirements of Writing, Execution or Acknowledgment for Effectiveness or Enforceability › 5-703 - Conveyances and Contracts Concerning Real Property Required to Be in Writing.

§ 5-703. Conveyances  and  contracts concerning real property required
  to be in writing. 1. An estate or interest in real property, other  than
  a  lease  for a term not exceeding one year, or any trust or power, over
  or concerning real property, or in any manner relating  thereto,  cannot
  be created, granted, assigned, surrendered or declared, unless by act or
  operation  of  law, or by a deed or conveyance in writing, subscribed by
  the person creating, granting, assigning, surrendering or declaring  the
  same,  or by his lawful agent, thereunto authorized by writing. But this
  subdivision does not affect the power of a testator in  the  disposition
  of  his  real  property  by  will; nor prevent any trust from arising or
  being  extinguished  by  implication  or  operation  of  law,  nor   any
  declaration  of  trust  from being proved by a writing subscribed by the
  person declaring the same.
2. A contract for the leasing for a longer period than  one  year,  or
  for  the  sale,  of  any  real property, or an interest therein, is void
  unless the contract or some note or memorandum thereof,  expressing  the
  consideration,  is in writing, subscribed by the party to be charged, or
  by his lawful agent thereunto authorized by writing.
3. A contract to devise real property or establish  a  trust  of  real
  property,  or  any  interest therein or right with reference thereto, is
  void unless the contract or  some  note  or  memorandum  thereof  is  in
  writing  and  subscribed by the party to be charged therewith, or by his
  lawfully authorized agent.
4. Nothing contained in this section abridges the powers of courts  of
  equity to compel the specific performance of agreements in cases of part
  performance.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 7 - Requirements of Writing, Execution or Acknowledgment for Effectiveness or Enforceability › 5-705 - Execution and Acknowledgment of Assumption of Mortgage Debt by Grantee of Mortgaged Real Property.

§ 5-705. Execution  and  acknowledgment of assumption of mortgage debt
  by grantee of mortgaged real property. No grantee of real property shall
  be liable upon any indebtedness secured by a mortgage  thereon  executed
  prior to the time of the conveyance of the real property to the grantee,
  nor  shall  he  be  liable  for  any deficiency that may remain upon the
  foreclosure and sale of real property covered by such a mortgage,  after
  application   of  the  proceeds  of  sale,  unless  such  grantee  shall
  simultaneously with the conveyance to him of such real property  execute
  and acknowledge, before an officer authorized to take acknowledgments of
  deeds,  a  statement  in  writing stating in substance that such grantee
  assumes and agrees to pay such mortgage debt  and  giving  the  specific
  amount  of  the  debt  assumed.  The  execution  and acknowledgment by a
  grantee of the  deed  of  conveyance  to  him  containing  such  written
  statement  shall  be  sufficient  compliance with the provisions of this
  section. This section shall not apply, however, where, subsequent to the
  conveyance and upon an extension or  modification  of  the  indebtedness
  secured  by  the  mortgage,  the  grantee shall execute and acknowledge,
  before an  officer  authorized  to  take  acknowledgments  of  deeds,  a
  statement in writing stating that such grantee assumes and agrees to pay
  such mortgage debt, and giving the specific amount of the debt assumed.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 9 - Requirements of Notice for Effectiveness or Enforceability › 5-901 - Certain Provisions of Leases of Personal Property Inoperative Unless Notice Thereof Given to Lessee.

§ 5-901. Certain provisions of leases of personal property inoperative
  unless  notice  thereof  given to lessee. No provision of a lease of any
  personal property which states that the term  thereof  shall  be  deemed
  renewed for a specified additional period unless the lessee gives notice
  to the lessor of his intention to release the property at the expiration
  of  such  term,  shall  be operative unless the lessor, at least fifteen
  days and not more than thirty days previous to the  time  specified  for
  the  furnishing  of such notice to him, shall give to the lessee written
  notice, served personally or by  mail,  calling  the  attention  of  the
  lessee  to  the existence of such provision in the lease. Nothing herein
  contained shall be construed  to  apply  to  a  contract  in  which  the
  automatic renewal period specified is one month or less.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 9 - Requirements of Notice for Effectiveness or Enforceability › 5-903 - Automatic Renewal Provision of Contract for Service, Maintenance or Repair Unenforceable by Contractor Unless Notice Thereof Given to Recipient of Ser

§ 5-903. Automatic   renewal   provision   of  contract  for  service,
  maintenance or repair unenforceable by contractor unless notice  thereof
  given  to  recipient  of  services. 1. As used in this section, "person"
  means an individual, firm, company, partnership or corporation.
2. No provision of a contract for service, maintenance or repair to or
  for any real or personal property which states  that  the  term  of  the
  contract  shall  be  deemed  renewed  for  a specified additional period
  unless the person receiving the service,  maintenance  or  repair  gives
  notice  to  the  person furnishing such contract service, maintenance or
  repair of his intention to terminate the contract at the  expiration  of
  such  term,  shall  be  enforceable  against  the  person  receiving the
  service,  maintenance  or  repair,  unless  the  person  furnishing  the
  service,  maintenance or repair, at least fifteen days and not more than
  thirty days previous to the time specified for serving such notice  upon
  him,  shall  give  to  the  person receiving the service, maintenance or
  repair written notice, served personally or by certified  mail,  calling
  the  attention  of that person to the existence of such provision in the
  contract.
3. Nothing herein contained shall be construed to apply to a  contract
  in which the automatic renewal period specified is one month or less.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 9 - Requirements of Notice for Effectiveness or Enforceability › 5-905 - Certain Provisions of Leases to Be Inoperative Unless Express Notice Thereof Is Given to Tenant.

§ 5-905. Certain provisions of leases to be inoperative unless express
  notice  thereof  is given to tenant. No provision of a lease of any real
  property or premises which states that the term thereof shall be  deemed
  renewed  for  a  specified  additional  period of time unless the tenant
  gives notice to the lessor of his intention to quit the premises at  the
  expiration  of  such term shall be operative unless the lessor, at least
  fifteen days and  not  more  than  thirty  days  previous  to  the  time
  specified  for  the  furnishing of such notice to him, shall give to the
  tenant written notice, served personally or by registered  or  certified
  mail,  calling  the  attention  of  the  tenant to the existence of such
  provision in the lease.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1101 - Agreements Relating to Securities.

§ 5-1101. Agreements  relating to securities. An agreement, promise or
  undertaking for the purchase, sale, transfer, assignment or delivery  of
  a  certificate or other evidence of debt, issued by the United States or
  by any state, or a municipal or other corporation, or of  any  share  or
  interest   in   the  stock  of  any  bank  corporation  or  joint  stock
  association, incorporated or organized under  the  laws  of  the  United
  States  or  of  any  state,  is  not  void  or  voidable,  for  want  of
  consideration, or because of the nonpayment of consideration, or because
  the vendor, at the time of making such contract, is  not  the  owner  or
  possessor  of the certificate or certificates or other evidence of debt,
  share or interest.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1103 - Written Agreement for Modification or Discharge.

§ 5-1103. Written   agreement   for   modification  or  discharge.  An
  agreement, promise or undertaking to change or modify, or  to  discharge
  in whole or in part, any contract, obligation, or lease, or any mortgage
  or  other  security  interest in personal or real property, shall not be
  invalid because of the  absence  of  consideration,  provided  that  the
  agreement,  promise  or  undertaking changing, modifying, or discharging
  such contract, obligation, lease, mortgage or security  interest,  shall
  be  in  writing  and  signed  by  the party against whom it is sought to
  enforce the change, modification or discharge, or by his agent.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1105 - Written Promise Expressing Past Consideration.

§ 5-1105. Written  promise expressing past consideration. A promise in
  writing and signed by the promisor or by his agent shall not  be  denied
  effect   as   a   valid   contractual  obligation  on  the  ground  that
  consideration for the promise is past or executed, if the  consideration
  is  expressed  in  the  writing  and  is  proved  to  have been given or
  performed and would be a valid consideration but for the  time  when  it
  was given or performed.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1107 - Written Assignment.

§ 5-1107. Written  assignment.  An  assignment shall not be denied the
  effect of irrevocably transferring the assignor's rights because of  the
  absence of consideration, if such assignment is in writing and signed by
  the assignor, or by his agent.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1109 - Written Irrevocable Offer.

§ 5-1109. Written  irrevocable  offer. Except as otherwise provided in
  section 2-205 of the uniform commercial code with respect to an offer by
  a merchant to buy or sell goods, when an offer to enter into a  contract
  is  made  in  a  writing  signed  by the offeror, or by his agent, which
  states that the offer is irrevocable during a period set forth or  until
  a  time  fixed,  the  offer shall not be revocable during such period or
  until such  time  because  of  the  absence  of  consideration  for  the
  assurance  of  irrevocability. When such a writing states that the offer
  is irrevocable but does not state any period or time of  irrevocability,
  it  shall  be  construed  to  state  that the offer is irrevocable for a
  reasonable time.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1111 - Execution by Agent in Real Property Transactions; Written Authorization Required.

§ 5-1111. Execution  by  agent  in real property transactions; written
  authorization required.    If  executed  by  an  agent,  any  agreement,
  promise,  undertaking,  assignment  or offer required by section 5-1103,
  5-1105, 5-1107 or 5-1109 to be in writing, which affects or  relates  to
  real   property   or  an  interest  therein  in  any  manner  stated  in
  subdivisions one or two of section 5-703 of this chapter, shall be  void
  unless such agent was thereunto authorized in writing.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1113 - Written or Published Promise or Reward.

§ 5-1113. Written  or  published promise or reward. A promise to pay a
  reward for return of lost  or  mislaid  property  is  not  unenforceable
  because  of  absence of consideration if the promise was made in writing
  or the promisor caused it to be published.
2023 New York Laws › GOB - General Obligations › Article 5 - Creation, Definition and Enforcement of Contractual Obligations › Title 11 - Consideration; Effect of Writing on Requirement of Consideration › 5-1115 - Promises and Warranties in Conveyances Made Without Consideration.

§ 5-1115. Promises   and   warranties   in  conveyances  made  without
  consideration.   A promise or warranty by  the  grantor  in  a  deed  or
  conveyance of an estate or interest in real property and acknowledged or
  proved  in  the  manner  prescribed  by law to entitle it to be recorded
  shall not be denied effect because of the absence of  consideration,  if
  no consideration was intended.