2014 New York Laws
GBS - General Business
Article 28-BB - (458-A - 458-K) CREDIT SERVICES BUSINESS
458-A - Legislative findings and declarations; purposes.

   458-a.   Legislative  findings  and  declarations;  purposes.  The
  legislature finds and declares:
1. The ability to obtain and use credit has become of great importance
  to consumers, who have a vital interest in establishing and  maintaining
  their  credit worthiness and credit standing. As a result, consumers who
  have  experienced  credit  problems  may  seek  assistance  from  credit
  services  businesses  which offer to improve the credit standing of such
  consumers.
Certain advertising and business practices of some  companies  engaged
  in the business of credit services have worked a financial hardship upon
  the  people of this state, often those who are of limited economic means
  and inexperienced in credit matters.
2. The purposes of this article are to provide  prospective  consumers
  of  services of credit services companies with the information necessary
  to make an informed decision regarding the purchase  of  those  services
  and  to  protect  the  public  from  unfair or deceptive advertising and
  business practices.