Consumer credit law reference
New York Credit Dispute Laws
New York requires credit-services businesses to register with the Department of State and forbids advance fees. Willful violations are Class A misdemeanors.
Primary state statute
New York Credit Services Business Act
N.Y. Gen. Bus. Law § 458-a et seq.
Regulator: New York Department of State — Division of Consumer Protection
What New York adds on top of the federal FCRA
- •Registration + $10,000 bond
- •No advance fees
- •5-day cancellation right
- •Criminal liability for violators
Dispute inaccurate items on your New York credit report
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Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in New York.