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State consumer-law reference center

New York

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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.
State statute inventory

Consumer-protection authorities under review

19 section entries
Source checked

New York General Business Law Article 22-A

N.Y. Gen. Bus. Law §§ 349–350-f-1

The complete Article 22-A inventory was checked against New York’s official Open Legislation publication, current through April 3, 2026. The article’s title now includes unfair, deceptive, or abusive acts and practices. Summaries are educational and do not determine available remedies or exceptions.

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N.Y. Gen. Bus. Law § 349

Unfair, deceptive, or abusive acts and practices

Prohibits covered consumer-oriented misconduct and addresses Attorney General and private enforcement.

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N.Y. Gen. Bus. Law § 349-A

Pricing

Requires specified total-price and algorithmic-pricing disclosures and defines relevant terms.

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N.Y. Gen. Bus. Law § 349-B

Residential telephone equipment

Regulates advertising, sales, and warranty requirements for covered telephone equipment.

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N.Y. Gen. Bus. Law § 349-B-1

Voice over internet protocol 911 disclosure

Requires specified emergency-service disclosures for voice-over-internet service.

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N.Y. Gen. Bus. Law § 349-C

Consumer fraud against elderly persons

Provides an additional civil penalty for specified frauds against older consumers.

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N.Y. Gen. Bus. Law § 349-D

Energy services company consumers bill of rights

Establishes disclosures, cancellation rights, and other protections for covered energy-service customers.

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N.Y. Gen. Bus. Law § 349-E

Counterfeit and non-functional airbags

Prohibits specified manufacture, sale, installation, or representation of unsafe airbags.

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N.Y. Gen. Bus. Law § 349-F

Pension poaching prevention

Restricts compensation and deceptive practices involving veterans’ pension-benefit services.

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N.Y. Gen. Bus. Law § 349-G

Credit cards and medical financial products

Restricts applications for and use of credit cards or medical financial products in covered health-care settings.

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N.Y. Gen. Bus. Law § 349-H

Observant consumer protection law

Provides protections involving specified contracts and observance-related scheduling or cancellation issues.

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N.Y. Gen. Bus. Law § 350

False advertising unlawful

Declares false advertising in conducting business, trade, commerce, or furnishing services unlawful.

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N.Y. Gen. Bus. Law § 350-B

Advertisements using the title doctor

Requires disclosures when specified advertisers use the title doctor.

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N.Y. Gen. Bus. Law § 350-B-1

Senior-specific designations

Requires disclosures in advertisements using specified senior-oriented professional designations.

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N.Y. Gen. Bus. Law § 350-C

Notice of proposed action

Provides Attorney General notice procedures before specified false-advertising enforcement.

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N.Y. Gen. Bus. Law § 350-F-1

After-the-fact referral fees

Regulates specified referral fees charged after goods or services have been provided.

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Research map

New York consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks
  • Covered-service definitions
  • License or registration requirements
  • Contract and disclosure language
  • Fee and cancellation restrictions
  • Advertising and prohibited practices
Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks
  • Collector and agency definitions
  • Licensing and exemptions
  • Communication and conduct restrictions
  • Civil remedies and enforcement
  • Complaint channels
Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks
  • Freeze placement and lifting
  • Fees and timing
  • Protected consumers
  • Identity-theft procedures
  • Enforcement and remedies
Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

  • N.Y. Gen. Bus. Law §§ 349–350-f-1
What the legal reviewer checks
  • Breach notice triggers and timing
  • Covered personal information
  • Security safeguards
  • Identity-theft reports and blocks
  • Attorney-general enforcement
Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks
  • Wage and bank exemptions
  • Debt-specific limits
  • Claim-of-exemption procedure
  • Notice and hearing deadlines
  • Employer restrictions
Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks
  • Right-to-cure notices
  • Repossession restrictions
  • Sale notice and commercial reasonableness
  • Redemption
  • Deficiency accounting and defenses
Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks
  • Covered loan definitions
  • License requirements
  • Rate and fee limits
  • Rollover or payment-plan rules
  • Enforcement
Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks
  • Mortgage servicing and foreclosure
  • Homeowner notices and assistance
  • Dealer and sales-finance licensing
  • Auto disclosures
  • Complaints and remedies
Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks
  • Hospital and medical billing
  • Charity-care disclosures
  • Utility shutoff protections
  • Deposits and payment plans
  • Complaint agencies
Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks
  • State active-duty coverage
  • Interest or collection protections
  • Lease and contract rules
  • Court stays
  • Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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