* § 604-ff. Attorney general enforcement. Whenever there shall be a\nviolation of this article, an application may be made by the attorney\ngeneral in the name of the people of the state of New York to a court or\njustice having jurisdiction to issue an injunction, and upon notice to\nthe defendant of not less than fifteen days, to enjoin and restrain the\ncontinuance of such violations. If it shall appear to the satisfaction\nof the court or justice that the defendant has, in fact, violated this\narticle, an injunction may be issued by such court or justice, enjoining\nor restraining any violation, without requiring proof that any person\nhas, in fact, been injured or damaged thereby. In any such proceeding\nthe court may make allowances to the attorney general as provided in\nsection eighty-three hundred three of the civil practice law and rules,\nand may make direct restitution. In connection with any such proposed\napplication, the attorney general is authorized to take proof and make a\ndetermination of the relevant facts and to issue subpoenas in accordance\nwith the civil practice law and rules. Whenever the court shall\ndetermine that a violation of this article has occurred, unless the\ncreditor has provided information that would otherwise show the\nviolation was the result of bona fide error, the court may impose a\ncivil penalty for each violation up to five thousand dollars.\n * NB Effective June 17, 2026\n
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