N.Y. Uniform Commercial Code Law Section 12-103
Relation to Article 9 and Consumer Laws

Section 12--103. Relation to Article 9 and Consumer Laws.

(a)

Article 9 governs in case of conflict. If there is conflict between this article and Article 9, Article 9 governs.

(b)

Applicable consumer law and other laws. A transaction subject to this article is subject to any applicable rule of law that establishes a different rule for consumers, including Article 22-A of the General Business Law and chapter 5 of title 20 of the New York City Administrative Code.

(c)

Enforceability or effectiveness. If an electronic record is a controllable electronic record under this article, Section 307.2 of the Electronic Signatures and Records Act (State Technology Law 301 et seq.) shall not impair the enforceability or effectiveness of such electronic record under this article nor shall such Act cause such controllable electronic record to be governed by Article 3 rather than this article, except to the extent the electronic record expressly provides otherwise or was created prior to the effective date of this article.

Source: Section 12-103 — Relation to Article 9 and Consumer Laws, https://www.­nysenate.­gov/legislation/laws/UCC/12-103 (updated Jun. 5, 2026; accessed Aug. 1, 2026).

Green check means up to date. Up to date

Verified:
Aug. 1, 2026

Last modified:
Jun. 5, 2026

§ 12-103. Relation to Art. 9 & Consumer Laws's source at nysenate​.gov

Link Style