N.Y. Pers. Prop. Law § 307

§ 307. Penalties. 1. Any person who shall wilfully violate any\nprovision of this article shall be guilty of a misdemeanor and upon\nconviction shall be punished by a fine not exceeding five hundred\ndollars.\n 2. A wilful violation of sections three hundred two or three hundred\nthree by any person shall bar his recovery of any credit service charge,\ndelinquency or collection charge or refinancing charge on the retail\ninstalment contract involved.\n 3. Notwithstanding the provisions of this section any failure to\ncomply with any provision of this article may be corrected within ten\ndays after the holder is notified thereof in writing by the buyer, or,\nin the absence of such notice, the seller or holder may voluntarily\ncorrect any such failure to comply and, if so corrected, neither the\nseller nor the holder shall be subject to any penalty under subdivision\ntwo of this section.\n