N.Y. General Business Law § 458-b: Definitions

§ 458-b. Definitions. As used in this article:

1. "Credit services business" means any person who sells, provides, or

performs, or represents that he can or will sell, provide or perform, a

service for the express or implied purpose of improving a consumer's

credit record, history, or rating or providing advice or assistance to a

consumer with regard to the consumer's credit record history or rating

in return for the payment of a fee.

"Credit services business" does not include any of the following:

(a) Any charitable corporation as defined in paragraph (a) of section

one hundred two (Definitions) of the not-for-profit corporation law

licensed pursuant to article twelve-c of the banking law.

(b) Any person admitted to practice law in this state where the person

renders services within the course and scope of his or her practice as

an attorney at law.

2. "Consumer" means any natural person who is solicited to purchase or

who purchases the services of a credit services business.

3. "Person" includes an individual, corporation, partnership, joint

venture, or any business entity.

4. The terms "consumer reporting agency", "consumer report",

"investigative consumer report", "file", and "adverse information" shall

have the meanings ascribed to each by section three hundred eighty-a of

this chapter.