New York Laws
Article 28-BB - Credit Services Business
458-E - Advance Fees Prohibited.

ยง 458-e. Advance fees prohibited. It is hereby declared to be an
unfair and deceptive trade practice and unlawful for a credit services
business to receive or collect from a consumer any fee in advance of the
performance of those services specified in the contract as required by
section four hundred fifty-eight-f of this chapter.