New York Laws
Article 30 - Health Club Services
625 - Assignment of Contracts for Services.

(a) the creditor is a person related to the seller of services; or
(b) the seller prepares documents used in connection with the loan; or
(c) the creditor supplies forms to the seller used by the consumer in
obtaining the loan; or
(d) the creditor makes twenty or more loans in any calendar year, the
proceeds of which are used in transactions with the same seller or with
a person related to the same seller; or
(e) the consumer is referred to the creditor by the seller; or
(f) the creditor, directly or indirectly, pays the seller any
consideration whether or not it is in connection with the particular
transactions; or
(g) the creditor participated in or was connected with the sale.
3. No assignee of a contract shall fail to give notice of the
assignment to the consumer. A notice of assignment shall be in writing
addressed to the consumer at the address shown on the contract and shall
identify the contract.