N.Y. General Business Law § 458-h: Deceptive acts prohibited

§ 458-h. Deceptive acts prohibited. It is hereby declared to be an

unfair and deceptive trade practice and unlawful for a credit services

company to:

1. Misrepresent directly or indirectly in its advertising, promotional

materials, sales presentation, or in any manner: the nature of the

services to be performed; the time within which services will be

performed; the ability to improve a consumer's credit report or credit

rating; the amount or type of credit a consumer can expect to receive as

a result of the performance of the services offered; the qualifications,

training or experience of its personnel.

2. Make or counsel or advise any consumer to make any statement which

is untrue or misleading and which is known, or which by the exercise of

reasonable care should be known, to be untrue or misleading, to a

consumer credit reporting agency or to any person who has extended

credit to a consumer or to whom a consumer is applying for an extension

of credit, with respect to a consumer's credit worthiness, credit

standing, or credit capacity.

3. Represent directly or indirectly in its advertising, promotional

materials, sales presentation, or in any manner that it can procure or

obtain a credit card for a consumer unless that credit services company

has authority to issue the credit card being advertised.