N.Y. Gen. Bus. Law § 771-a

§ 771-a. Responsibilities of home improvement contractors. No home\nimprovement contractor shall engage in any activity, transaction, or\ncourse of business or pay or receive any fee, payment, money, or other\nthing of value in connection with the financing of a home improvement\ncontract without fully disclosing such activity, transaction, or course\nof business and any fees, payment, or other thing of value paid or to be\npaid in connection therewith, and without having obtained the agreement\nin writing from all parties to the transaction to such activity and the\npayment therefor.\n