N.Y. General Obligations Law § 5-515: Borrower bringing an action need not offer to repay

§ 5-515. Borrower bringing an action need not offer to repay.

Whenever any borrower of money, goods or things in action, shall begin

an action for the recovery of the money, goods or things in action taken

in violation of the foregoing provisions of this title, it shall not be

necessary for him to pay or offer to pay any interest or principal on

the sum or thing loaned; nor shall any court require or compel the

payment or deposit of the principal sum or interest, or any portion

thereof, as a condition of granting relief to the borrower in any case

of usurious loans forbidden by the foregoing provisions of this title.