New York Laws
Article 15 - Specious Cash Sales
255 - .

ยง 255. The provisions of this article shall not apply to consumer
sales made pursuant to article nine of the personal property law, credit
card transactions, consumer sales of personal property or services which
could require or entail the execution of a promissory note pursuant to
section four hundred three of the personal property law, or transactions
involving the purchase of an automobile.