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2014 New York Laws
GBS - General Business
Article 28-BB - (458-A - 458-K) CREDIT SERVICES BUSINESS
458-G - Contracts void and unenforceable.

NY Gen Bus L § 458-G (2014) What's This?
  458-g.  Contracts  void  and  unenforceable.  1.  Any  contract for
  services which does not comply with the applicable  provisions  of  this
  article shall be void and unenforceable as contrary to public policy.

2. Any waiver by a consumer of the provisions of this article shall be
  deemed  void and unenforceable by a credit services business as contrary
  to public policy.

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