N.Y. General Business Law § 714: Automatic refund of credit balances

§ 714. Automatic refund of credit balances. Where a credit balance

greater than one dollar exists, and where no purchases, payments or

other transactions (other than the imposition of service, membership or

other administrative charges) occur with respect to a consumer credit

account for six consecutive billing cycles, the creditor shall refund

the full amount of such credit balance by cash or check within thirty

days after the end of such period of inactivity.