N.Y. Gen. Bus. Law § 458-a

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