2016 New York Laws
GBS - General Business
Article 29-A - (General Business) UNAUTHORIZED OR IMPROPER USE OF CREDIT CARDS AND DEBIT CARDS
520-D - Unsolicited convienence checks.

  520-d.  Unsolicited convenience checks. 1. As used in this section,
  the following terms shall have the following meanings:
(a) "check" means any negotiable instrument,  as  defined  by  section
  3-104  of  the  uniform  commercial  code,  that has imprinted on it the
  holder's name and  the  depository  institution's  name,  location,  and
  routing number.
(b)  "unsolicited check" means any check mailed or otherwise delivered
  to a holder by an issuer or agent acting on behalf of an issuer for  the
  purpose of drawing on an existing account that is an extension of credit
  or activating an account to obtain credit other than:
(1) in response to a request or application for a check or account; or
(2)  as  a  substitute for a check or account previously issued to the
  person to whom the check is mailed or otherwise delivered.
2. No holder in whose name an unsolicited check  is  issued  shall  be
  liable  for  any  amount  resulting  from  use of that check or account,
  unless the holder has accepted the check or account by using  the  check
  or  account. Failure to destroy or return an unsolicited check shall not
  constitute acceptance of the check or account.
3. Any agreement entered into by a  holder  which  waives,  limits  or
  disclaims the rights set forth in this section shall be void as contrary
  to public policy.