N.Y. Gen. Bus. Law § 458-b

§ 458-b. Definitions. As used in this article:\n 1. "Credit services business" means any person who sells, provides, or\nperforms, or represents that he can or will sell, provide or perform, a\nservice for the express or implied purpose of improving a consumer's\ncredit record, history, or rating or providing advice or assistance to a\nconsumer with regard to the consumer's credit record history or rating\nin return for the payment of a fee.\n "Credit services business" does not include any of the following:\n (a) Any charitable corporation as defined in paragraph (a) of section\none hundred two (Definitions) of the not-for-profit corporation law\nlicensed pursuant to article twelve-c of the banking law.\n (b) Any person admitted to practice law in this state where the person\nrenders services within the course and scope of his or her practice as\nan attorney at law.\n 2. "Consumer" means any natural person who is solicited to purchase or\nwho purchases the services of a credit services business.\n 3. "Person" includes an individual, corporation, partnership, joint\nventure, or any business entity.\n 4. The terms "consumer reporting agency", "consumer report",\n"investigative consumer report", "file", and "adverse information" shall\nhave the meanings ascribed to each by section three hundred eighty-a of\nthis chapter.\n