New York Laws
Article 14 - General Provisions
1415 - Deduction of Certain Charges.

(a) the laws of the state of New York including therein the
regulations of the New York state department of financial services; or
(b) a valid contract which provides, specifically, that the deduction
shall not be refundable or otherwise restored to the owner; and such
deduction is made in the normal course of business of the holder.