N.Y. Personal Property Law Section 419
Refund credit on cancellation of credit related insurance or prepayment of contract

401
Definitions 402
Provisions of retail instalment contracts and obligations 402‑A
Merchandise certificates and obligations therefor 402‑B
Total loss notice and waiver of the gap amount 403
Restrictions on retail instalment contracts and obligations 404
Credit service charge limitation 405
Delivery of copy of contract or obligation 406
Notice of assignment 407
Statements of account 408
Credit upon anticipation of payments 409
Refinancing 410
Add-ons to and consolidations of retail instalment contracts and obligations 411
Terms of purchase by financing agency 412
Cancellation 412‑A
Cancellation of contracts for future consumer services 413
Retail instalment credit agreements 414
Penalties 415
Exceptions 416
Waiver 417
Severability 418
Short title 419
Refund credit on cancellation of credit related insurance or prepayment of contract 420
Guaranties to sellers of liabilities of buyers under retail instalment contracts 421
Security interest in other property 422
Claim for deficiency after default and repossession