N.Y. Personal Property Law Section 312
Refund credit on cancellation of credit related insurance or prepayment of contract

301
Definitions 302
Requirements as to retail instalment contracts 302‑A
Total loss notice and waiver of the gap amount 303
Credit service charge limitation 304
Cancellation of contract 305
Credit upon anticipation of payments 306
Refinancing 307
Penalties 308
Waiver 309
Exceptions 310
Severability 311
Short title 312
Refund credit on cancellation of credit related insurance or prepayment of contract 313
Guaranties to sellers of liabilities of buyers under retail instalment contracts 314
Security interest in other property 315
Claim for deficiency after default and repossession 316
Notice of buyer’s redemption rights