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DisputeAI

© 2026 Pointify Travel Technologies LLC. All rights reserved.

Part of the DebtShield family of products.

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    NY Consumer Protection

    New York Billing Dispute Laws

    New York residents are protected by the Deceptive Acts and Practices Law (N.Y. Gen. Bus. Law § 349), plus federal laws like the FCBA, EFTA, and FTC Act. DisputeAI automatically cites the right statutes for your New York dispute.

    Auto-Renewal Law

    Available in New York

    Medical Billing Protection

    Available in New York

    Treble Damages

    Available in New York

    Private Right of Action

    Available in New York

    Key Consumer Protection Laws in New York

    Deceptive Acts and Practices Law

    N.Y. Gen. Bus. Law § 349

    New York's primary consumer protection statute. Prohibits unfair and deceptive business practices including misleading billing, hidden fees, and unauthorized charges. Allows up to treble (3x) damages in successful claims. Consumers can file private lawsuits under this statute.

    Federal Protections (Apply in New York)

    • Fair Credit Billing Act (15 USC § 1666) — credit card disputes
    • Electronic Fund Transfer Act (15 USC § 1693) — debit card disputes
    • FTC Click-to-Cancel Rule (16 CFR Part 425) — subscription cancellation
    • FTC Act § 5 (15 USC § 45) — unfair/deceptive practices
    • No Surprises Act — medical billing protection
    • FDCPA (15 USC § 1692) — debt collection disputes

    New York Auto-Renewal Protection

    New York has enacted specific auto-renewal and subscription protection laws. Businesses must provide clear disclosure of auto-renewal terms, obtain affirmative consent, and provide easy cancellation mechanisms. Violations can be grounds for refunds and additional damages.

    New York Office of the Attorney General — File consumer complaints with your state AG if a company does not respond to your demand letter. DisputeAI can generate a State AG complaint letter as part of the escalation engine.

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    Generate a New York Dispute Letter

    DisputeAI automatically cites N.Y. Gen. Bus. Law § 349 and relevant federal laws