N.Y. General Obligations Law § 5-513: Recovery of excess

§ 5-513. Recovery of excess. Every person who, for any such loan or

forbearance, shall pay or deliver any greater sum or value than is

allowed to be received pursuant to section 5-501, and his personal

representatives, may recover in an action against the person who shall

have taken or received the same, and his personal representatives, the

amount of the money so paid or value delivered, above the rate

aforesaid.