New York § 519 - 519Disclosure by commercial establishments honoring credit cards
Full text of New York New York Consolidated Laws § 519 — 519Disclosure by commercial establishments honoring credit cards, with citation guidance and answers to common questions.
§ 519. 519Disclosure by commercial establishments honoring credit cards
§ 519. Disclosure by commercial establishments honoring credit cards. 1. Any person who honors credit cards that may be used to purchase or lease property on the credit of the issuer or of the holder and requires a minimum purchase before accepting credit cards or refuses to allow the use of such card on discounted or sale items must post such limitations or conditions conspicuously and in all advertisements that mention that credit cards are accepted. The disclosure provisions with respect to these requirements shall be satisfied if the retail installment credit agreement discloses the fact that the use of the credit card requires a minimum purchase or shall not be used to purchase sale items, or if the issuer of the credit card notifies the holder in writing that the use of the card requires a minimum purchase or that the card shall not be used to purchase sale items. This section shall not apply to minimum purchase requirements or other restrictions which are applicable regardless of the method of payment. 2. Any person violating the provisions of this section shall be subject to a civil fine of not more than one hundred dollars on the first violation and not more than two hundred fifty dollars on the second and all subsequent violations. 3. This section does not annul, alter, affect or exempt any person subject to the provisions of this section from complying with the laws, ordinances, rules or regulations of any locality relating to disclosure of limitations and conditions of credit card purchases, except to the extent that those local laws, ordinances, rules or regulations are inconsistent with any provision of this section and then only to the extent of the inconsistency. However, any local law, ordinance, rule or regulation shall not be considered inconsistent with any provision of this section if such local law, ordinance, rule or regulation gives greater protection to the consumer.
Source: official New York text · Last verified 2026-08-27
Frequently Asked Questions About New York § 519
What does New York Consolidated Laws § 519 cover?
Section 519 ("519Disclosure by commercial establishments honoring credit cards") is part of the New York Consolidated Laws, the codified statutory law of New York. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite New York § 519?
A common citation format is "New York Consolidated Laws § 519" (New York). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of New York law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the New York official source linked on this page or consult a licensed New York attorney.
How does New York § 519 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in New York can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in New York.