State Law Guide - Updated January 2026
New York F&I Product Cancellation Rights
Under New York General Business Law Article 79, New York gives you the right to cancel and receive refunds on F&I products. You have a Varies by contract days (typically 30-60) free look period for full refunds. Dealers who fail to comply face 10% per month late penalty.
Quick Answer
In New York, you can cancel dealer add-on products at any time. During the first Varies by contract days (typically 30-60), you receive a full refund (minus up to Varies fee). Refunds must be issued within 60 days. You can sue in Small Claims Court for up to $10,000.
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Key New York Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | Per contract (30-60 typical) | Check your contract for specific free look period |
| Cancellation Fee | Must be disclosed | Fee must be clearly stated in original contract |
| Refund Deadline | 60 days | Refund must be issued within 60 days of request |
| Late Penalty | 10% per month | Add 10% monthly penalty if refund is late |
| AG Oversight | Active enforcement | NY AG actively investigates dealer complaints |
Free Look Period
Per contract (30-60 typical)Cancellation Fee
Must be disclosedRefund Deadline
60 daysLate Penalty
10% per monthAG Oversight
Active enforcementWhat New York Law Requires
Your Cancellation Rights
Under New York General Business Law Article 79, New York consumers have the right to cancel F&I products purchased from dealers. During the free look period (Varies by contract days (typically 30-60)), you receive a full refund.After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Refund Timeline
Once you submit a cancellation request, the dealer or administrator has 60 days to process your refund. Failure to comply may result in 10% per month late penalty.
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State-Specific Citations
Maximum refund amounts
$29 - Avg New York refund: $1,150 - Potential 39x return
Frequently Asked Questions
What happens if a New York dealer is late refunding me?
Under New York law, if a dealer fails to refund within 60 days, you're entitled to a 10% per month penalty on the refund amount. This is one of the strongest late-payment penalties in the nation.
Does New York have a free look period?
New York requires the free look period to be disclosed in your contract. Most contracts provide 30-60 days. Check your specific agreement for the exact timeframe.
Where do I complain about a New York dealer?
File complaints with the New York Attorney General Consumer Protection Division or the New York DMV. The NY AG is particularly active in investigating dealer add-on complaints.
Can I cancel my warranty after the free look period in NY?
Yes. You can cancel at any time and receive a pro-rata refund for the unused portion. Any cancellation fee must have been disclosed in your original contract.
New York Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
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Based on New York General Business Law Article 79