N.Y. General Business Law § 519: Disclosure by commercial establishments honoring credit cards

§ 519. Disclosure by commercial establishments honoring credit cards.

1. Any person who honors credit cards that may be used to purchase or

lease property on the credit of the issuer or of the holder and requires

a minimum purchase before accepting credit cards or refuses to allow the

use of such card on discounted or sale items must post such limitations

or conditions conspicuously and in all advertisements that mention that

credit cards are accepted. The disclosure provisions with respect to

these requirements shall be satisfied if the retail installment credit

agreement discloses the fact that the use of the credit card requires a

minimum purchase or shall not be used to purchase sale items, or if the

issuer of the credit card notifies the holder in writing that the use of

the card requires a minimum purchase or that the card shall not be used

to purchase sale items. This section shall not apply to minimum purchase

requirements or other restrictions which are applicable regardless of

the method of payment.

2. Any person violating the provisions of this section shall be

subject to a civil fine of not more than one hundred dollars on the

first violation and not more than two hundred fifty dollars on the

second and all subsequent violations.

3. This section does not annul, alter, affect or exempt any person

subject to the provisions of this section from complying with the laws,

ordinances, rules or regulations of any locality relating to disclosure

of limitations and conditions of credit card purchases, except to the

extent that those local laws, ordinances, rules or regulations are

inconsistent with any provision of this section and then only to the

extent of the inconsistency. However, any local law, ordinance, rule or

regulation shall not be considered inconsistent with any provision of

this section if such local law, ordinance, rule or regulation gives

greater protection to the consumer.