New York Laws
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.

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