New York General Business Code § 458-E

Advance fees prohibited
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§ 458-e. Advance fees prohibited. It is hereby declared to be an\nunfair and deceptive trade practice and unlawful for a credit services\nbusiness to receive or collect from a consumer any fee in advance of the\nperformance of those services specified in the contract as required by\nsection four hundred fifty-eight-f of this chapter.\n

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