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Int 1539-2017
| * | Rafael L. Espinal, Jr. | | Proposed Int. No. 1539-A | Sale and financing of used automobiles by second-hand automobile dealers. | Introduction | This bill strengthens consumer protections against predatory lending practices that exist in the used car industry. It will mandate that used car dealers disclose certain information to consumers, including: i) the itemized prices of add-on products; ii) the total cost of the vehicle, broken down by monthly payments and with or without any add-ons; iii) the lowest interest rate (APR) offered to the consumer by a finance company; and iv) any other financing-related disclosures the Commissioner prescribes by rule. Any required documents or disclosures to be provided to a consumer must be in the language used to negotiate the contract for sale. In addition, this bill requires dealers to offer an “automobile contract cancellation option” that would allow a buyer to cancel a contract for sale, subject to some limitations, within two days of purchasing the used vehicle. During the cancellation period, the purchased used car remains on the dealer’s lot until the consumer makes a decision. A dealer is required to retain certain records related to the sale of used cars for six years, which may be subject to audit by the department of consumer affairs. The bill also gives the Commissioner of the Department of Consumer Affairs the discretion to report to the City Council and the Mayor on the effectiveness of the bill. Finally, this bill creates additional civil penalties for the violation of its provisions. | Hearing Held by Committee | |
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Int 1539-2017
| * | Rafael L. Espinal, Jr. | | | Sale and financing of used automobiles by second-hand automobile dealers. | Introduction | This bill strengthens consumer protections against predatory lending practices that exist in the used car industry. It will mandate that used car dealers disclose certain information to consumers, including: i) the itemized prices of add-on products; ii) the total cost of the vehicle, broken down by monthly payments and with or without any add-ons; iii) the lowest interest rate (APR) offered to the consumer by a finance company; and iv) any other financing-related disclosures the Commissioner prescribes by rule. Any required documents or disclosures to be provided to a consumer must be in the language used to negotiate the contract for sale. In addition, this bill requires dealers to offer an “automobile contract cancellation option” that would allow a buyer to cancel a contract for sale, subject to some limitations, within two days of purchasing the used vehicle. During the cancellation period, the purchased used car remains on the dealer’s lot until the consumer makes a decision. A dealer is required to retain certain records related to the sale of used cars for six years, which may be subject to audit by the department of consumer affairs. The bill also gives the Commissioner of the Department of Consumer Affairs the discretion to report to the City Council and the Mayor on the effectiveness of the bill. Finally, this bill creates additional civil penalties for the violation of its provisions. | Amendment Proposed by Comm | |
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Int 1539-2017
| * | Rafael L. Espinal, Jr. | | | Sale and financing of used automobiles by second-hand automobile dealers. | Introduction | This bill strengthens consumer protections against predatory lending practices that exist in the used car industry. It will mandate that used car dealers disclose certain information to consumers, including: i) the itemized prices of add-on products; ii) the total cost of the vehicle, broken down by monthly payments and with or without any add-ons; iii) the lowest interest rate (APR) offered to the consumer by a finance company; and iv) any other financing-related disclosures the Commissioner prescribes by rule. Any required documents or disclosures to be provided to a consumer must be in the language used to negotiate the contract for sale. In addition, this bill requires dealers to offer an “automobile contract cancellation option” that would allow a buyer to cancel a contract for sale, subject to some limitations, within two days of purchasing the used vehicle. During the cancellation period, the purchased used car remains on the dealer’s lot until the consumer makes a decision. A dealer is required to retain certain records related to the sale of used cars for six years, which may be subject to audit by the department of consumer affairs. The bill also gives the Commissioner of the Department of Consumer Affairs the discretion to report to the City Council and the Mayor on the effectiveness of the bill. Finally, this bill creates additional civil penalties for the violation of its provisions. | Amended by Committee | |
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Int 1539-2017
| A | Rafael L. Espinal, Jr. | | | Sale and financing of used automobiles by second-hand automobile dealers. | Introduction | This bill strengthens consumer protections against predatory lending practices that exist in the used car industry. It will mandate that used car dealers disclose certain information to consumers, including: i) the itemized prices of add-on products; ii) the total cost of the vehicle, broken down by monthly payments and with or without any add-ons; iii) the lowest interest rate (APR) offered to the consumer by a finance company; and iv) any other financing-related disclosures the Commissioner prescribes by rule. Any required documents or disclosures to be provided to a consumer must be in the language used to negotiate the contract for sale. In addition, this bill requires dealers to offer an “automobile contract cancellation option” that would allow a buyer to cancel a contract for sale, subject to some limitations, within two days of purchasing the used vehicle. During the cancellation period, the purchased used car remains on the dealer’s lot until the consumer makes a decision. A dealer is required to retain certain records related to the sale of used cars for six years, which may be subject to audit by the department of consumer affairs. The bill also gives the Commissioner of the Department of Consumer Affairs the discretion to report to the City Council and the Mayor on the effectiveness of the bill. Finally, this bill creates additional civil penalties for the violation of its provisions. | Approved by Committee | Pass |
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Int 1540-2017
| * | Daniel R. Garodnick | | Proposed Int. No. 1540-A | Requiring second-hand automobile dealers to post and distribute a bill of rights to consumers. | Introduction | This bill would require secondhand automobile dealers to conspicuously post and provide consumers with a bill of rights. The bill of rights would inform consumers of their right: i) to a two-day automobile contract cancellation option agreement; ii) to seek financing from lenders other than the dealer; iii) to purchase the automobile at the advertised price; iv) to seek the dealer’s complaint history or to make a complaint by calling 311; v) to receive a Used Car Buyer Guide and to additional rights under New York State’s Used Car Lemon Law; vi) to receive certain disclosures when signing a financing agreement; vii) to not be required to purchase add-ons; and viii) to receive an itemized list of the cost of any requested add-ons. For each executed contract, the secondhand automobile dealer must obtain from the consumer an initialed or signed copy of the consumer bill of rights and retain it for six years. The dealer must also provide the consumer bill of rights in the language used to negotiate the contract. | Hearing Held by Committee | |
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Int 1540-2017
| * | Daniel R. Garodnick | | | Requiring second-hand automobile dealers to post and distribute a bill of rights to consumers. | Introduction | This bill would require secondhand automobile dealers to conspicuously post and provide consumers with a bill of rights. The bill of rights would inform consumers of their right: i) to a two-day automobile contract cancellation option agreement; ii) to seek financing from lenders other than the dealer; iii) to purchase the automobile at the advertised price; iv) to seek the dealer’s complaint history or to make a complaint by calling 311; v) to receive a Used Car Buyer Guide and to additional rights under New York State’s Used Car Lemon Law; vi) to receive certain disclosures when signing a financing agreement; vii) to not be required to purchase add-ons; and viii) to receive an itemized list of the cost of any requested add-ons. For each executed contract, the secondhand automobile dealer must obtain from the consumer an initialed or signed copy of the consumer bill of rights and retain it for six years. The dealer must also provide the consumer bill of rights in the language used to negotiate the contract. | Amendment Proposed by Comm | |
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Int 1540-2017
| * | Daniel R. Garodnick | | | Requiring second-hand automobile dealers to post and distribute a bill of rights to consumers. | Introduction | This bill would require secondhand automobile dealers to conspicuously post and provide consumers with a bill of rights. The bill of rights would inform consumers of their right: i) to a two-day automobile contract cancellation option agreement; ii) to seek financing from lenders other than the dealer; iii) to purchase the automobile at the advertised price; iv) to seek the dealer’s complaint history or to make a complaint by calling 311; v) to receive a Used Car Buyer Guide and to additional rights under New York State’s Used Car Lemon Law; vi) to receive certain disclosures when signing a financing agreement; vii) to not be required to purchase add-ons; and viii) to receive an itemized list of the cost of any requested add-ons. For each executed contract, the secondhand automobile dealer must obtain from the consumer an initialed or signed copy of the consumer bill of rights and retain it for six years. The dealer must also provide the consumer bill of rights in the language used to negotiate the contract. | Amended by Committee | |
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Int 1540-2017
| A | Daniel R. Garodnick | | | Requiring second-hand automobile dealers to post and distribute a bill of rights to consumers. | Introduction | This bill would require secondhand automobile dealers to conspicuously post and provide consumers with a bill of rights. The bill of rights would inform consumers of their right: i) to a two-day automobile contract cancellation option agreement; ii) to seek financing from lenders other than the dealer; iii) to purchase the automobile at the advertised price; iv) to seek the dealer’s complaint history or to make a complaint by calling 311; v) to receive a Used Car Buyer Guide and to additional rights under New York State’s Used Car Lemon Law; vi) to receive certain disclosures when signing a financing agreement; vii) to not be required to purchase add-ons; and viii) to receive an itemized list of the cost of any requested add-ons. For each executed contract, the secondhand automobile dealer must obtain from the consumer an initialed or signed copy of the consumer bill of rights and retain it for six years. The dealer must also provide the consumer bill of rights in the language used to negotiate the contract. | Approved by Committee | Pass |
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Int 1652-2017
| * | Rafael L. Espinal, Jr. | | Proposed Int. No. 1652-A | Security cameras and security guards at certain nightlife establishments and repealing subchapter 20 of title 20 of such code, relating to licensing public dance halls, cabarets and catering establishments. | Introduction | This bill repeals the requirement in the Administrative Code for public dance halls, cabarets, and catering establishments to obtain a license, but retains various security measures in the law. Establishments previously required to obtain a cabaret license must continue to abide by requirements 1) to install and maintain security cameras and, 2) if they employ security guards, to ensure such security guards are licensed pursuant to state law and to maintain a roster of such security guards. | Hearing Held by Committee | |
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Int 1652-2017
| * | Rafael L. Espinal, Jr. | | | Security cameras and security guards at certain nightlife establishments and repealing subchapter 20 of title 20 of such code, relating to licensing public dance halls, cabarets and catering establishments. | Introduction | This bill repeals the requirement in the Administrative Code for public dance halls, cabarets, and catering establishments to obtain a license, but retains various security measures in the law. Establishments previously required to obtain a cabaret license must continue to abide by requirements 1) to install and maintain security cameras and, 2) if they employ security guards, to ensure such security guards are licensed pursuant to state law and to maintain a roster of such security guards. | Amendment Proposed by Comm | |
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Int 1652-2017
| * | Rafael L. Espinal, Jr. | | | Security cameras and security guards at certain nightlife establishments and repealing subchapter 20 of title 20 of such code, relating to licensing public dance halls, cabarets and catering establishments. | Introduction | This bill repeals the requirement in the Administrative Code for public dance halls, cabarets, and catering establishments to obtain a license, but retains various security measures in the law. Establishments previously required to obtain a cabaret license must continue to abide by requirements 1) to install and maintain security cameras and, 2) if they employ security guards, to ensure such security guards are licensed pursuant to state law and to maintain a roster of such security guards. | Laid Over by Committee | |
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