New York Laws
PEP - Personal Property
Article 10 - Retail Instalment Sales Act

401 - Definitions. - (b) In the case of a retail instalment obligation, services...

402 - Provisions of Retail Instalment Contracts and Obligations. - (a) Both at the top of the contract or obligation...

402A - Merchandise Certificates and Obligations Therefor. - (i) A legend in at least eight-point bold type stating...

402B - Total Loss Notice and Waiver of the Gap Amount. - § 402B. Total loss notice and waiver of the gap...

403 - Restrictions on Retail Instalment Contracts and Obligations. - (a) The buyer agrees not to assert against an assignee...

404 - Credit Service Charge Limitation. - § 404. Credit service charge limitation. 1. A seller may,...

405 - Delivery of Copy of Contract or Obligation; Buyer's Acknowledgment. - § 405. Delivery of copy of contract or obligation; buyer's...

406 - Notice of Assignment; Payments. - § 406. Notice of assignment; payments. Unless the buyer has...

407 - Statements of Account; Receipts. - § 407. Statements of account; receipts. At any time after...

408 - Credit Upon Anticipation of Payments. - § 408. Credit upon anticipation of payments. 1. Notwithstanding the...

409 - Refinancing. - § 409. Refinancing. 1. The holder of a retail instalment...

410 - Add-Ons to and Consolidations of Retail Instalment Contracts and Obligations. - (a) The contract or obligation shall set forth all items...

411 - Terms of Purchase by Financing Agency. - § 411. Terms of purchase by financing agency. Notwithstanding any...

412 - Cancellation. - § 412. Cancellation. After the payment of all sums for...

412-A - Cancellation of Contracts for Future Consumer Services. - (a) five percent of the cash price, but not to...

413 - Retail Instalment Credit Agreements. - (b) Provided that the retail installment credit agreement complies in...

414 - Penalties. - § 414. Penalties. 1. Any person who shall wilfully violate...

415 - Exceptions. - § 415. Exceptions. 1. The provisions of sections four hundred...

416 - Waiver. - § 416. Waiver. Any waiver by the buyer of the...

417 - Severability. - § 417. Severability. If any provision of this article or...

418 - Short Title. - § 418. Short title. This article may be cited as...

419 - Refund Credit on Cancellation of Credit Related Insurance or Prepayment of Contract. - § 419. Refund credit on cancellation of credit related insurance...

420 - Guaranties to Sellers of Liabilities of Buyers Under Retail Instalment Contracts. - (b) No guaranty given to the seller or to the...

421 - Security Interest in Other Property. - § 421. Security interest in other property. Except as provided...

422 - Claim for Deficiency After Default and Repossession. - § 422. Claim for deficiency after default and repossession. If...