US-New YorkConsumer Rights
Refunds, warranties, debt collection, online shopping, credit card chargebacks
25 questions
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False Advertising
(8)What counts as false advertising under New York law?
False advertising in New York is any deceptive act or practice in consumer transactions that misleads the public, including false, misleading, or incomplete statements about goods or services.
Can a business charge excessive prices during a declared emergency in New York?
No, businesses in New York cannot charge excessive prices during a declared emergency — doing so may violate the state's price gouging law, which prohibits charging unconscionably high prices for essential goods and services.
Do I need to prove the company intended to deceive me to win a GBL § 349 case?
No, you do not need to prove the company intended to deceive you. GBL § 349 prohibits deceptive acts or practices, regardless of intent.
Can I sue a company for deceptive business practices in New York?
Yes, you can sue a company for deceptive business practices in New York under General Business Law § 349, which prohibits deceptive acts or practices in the conduct of any business.
Does GBL § 349 apply to transactions between businesses or only consumers?
GBL § 349 applies only to consumer-oriented conduct—not purely business-to-business transactions—unless the transaction impacts consumers or has a broader public impact.
Can I file a class action for deceptive practices under New York consumer law?
Yes, you can file a class action for deceptive practices under New York’s General Business Law § 349, provided the claims meet statutory and procedural requirements for class certification.
Can I sue for emotional distress caused by deceptive business practices?
Yes, you can sue for emotional distress caused by deceptive business practices in New York—but only if the conduct rises to the level of intentional or reckless infliction of emotional distress, or if it violates specific consumer protection laws like GBL § 349.
What is the AG's role in enforcing consumer protection in New York?
The New York Attorney General (AG) is the chief enforcer of consumer protection laws, with broad authority to investigate, sue, and obtain restitution or penalties for deceptive or fraudulent business practices.
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Warranties
(4)What implied warranties come with a product I buy in New York?
In New York, when you buy a product, it comes with two implied warranties: the warranty of merchantability (the item is fit for ordinary use) and the warranty of fitness for a particular purpose (if the seller knows your specific need and you rely on their expertise).
Can a seller disclaim the implied warranty of merchantability?
Yes, a seller in New York can disclaim the implied warranty of merchantability, but only if the disclaimer is conspicuous and uses specific language such as 'merchantability' or 'all warranties.'
Does New York law require a written warranty for consumer products?
No, New York law does not require sellers to provide a written warranty for consumer products, but if they choose to offer one, it must comply with state and federal warranty laws.
Can I sue a manufacturer directly for breach of warranty even if I bought from a retailer?
Yes, in New York, you can sue a manufacturer directly for breach of warranty even if you bought the product from a retailer — no privity of contract is required.
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Lemon Law
(2)Does the New York Used Car Lemon Law cover my purchase?
Yes, if you bought a used car from a dealer in New York for $1,500 or more, and it has a defect covered by the dealer’s written warranty that remains unresolved after reasonable repair attempts.
What rights do I have under New York's Lemon Law for a defective new car?
If your new car in New York has a substantial defect covered by the manufacturer’s warranty that cannot be fixed after a reasonable number of attempts, you may be entitled to a replacement vehicle or full refund under the Lemon Law.
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Pricing & Labels
(3)What must an item pricing label include in New York retail stores?
In New York, an item pricing label must include the selling price in U.S. dollars, be clearly visible to customers, and be affixed to the item or its immediate display area.
Can a store charge more at the register than the posted shelf price?
Generally, no — in New York, a store cannot charge more at the register than the posted shelf price unless an exception applies, such as a clearly disclosed 'scantron error' policy.
Are gift card expiration dates allowed in New York?
No, gift cards sold in New York cannot have expiration dates, and any dormancy or service fees are prohibited unless specific exceptions apply.
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Cancellation Rights
(3)Can I cancel a door-to-door sale within three days in New York?
Yes, you can cancel most door-to-door sales in New York within three business days. The seller must give you a cancellation form and written notice of this right at the time of sale.
Can I return a health club membership if I change my mind?
Yes, in New York you can cancel a health club membership within three business days of signing — no reason needed — if the contract was signed at a location other than the club’s permanent place of business.
Are online purchases covered by New York's consumer protection laws?
Yes, online purchases in New York are fully covered by the state’s consumer protection laws, including the General Business Law and the Deceptive Acts and Practices Act.
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Calls & Fees
(2)Can a landlord charge an illegal rental application fee in New York?
No, landlords in New York cannot charge illegal rental application fees. Most application fees are prohibited under the Housing Stability and Tenant Protection Act of 2019.
Can a telemarketer call me if I'm on the Do-Not-Call list?
Yes, but only in limited circumstances — telemarketers generally cannot call you if your number is on the National Do-Not-Call Registry, and New York law adds extra protections.