N.Y. GBS Law § 46

§ 46. Rate of interest. Notwithstanding any general or special\nstatutes, local laws and ordinances to the contrary, no collateral loan\nbroker shall ask, demand or receive any greater rate of interest than\nfour per centum per month, or any fraction of a month, and a notice\ncontaining a list of such rates of interest as herein provided and in\naccordance with the act of congress entitled "Truth in Lending Act" and\nthe regulations thereunder, as such act and regulations may from time to\ntime be amended shall be conspicuously displayed within the premises of\nsuch collateral loan broker. A minimum interest charge of twenty-five\ncents per month may be made on any loan.\n No collateral loan broker shall receive or be entitled to any interest\nor charges as provided by this article on any loan for any period of\ntime exceeding fifteen months from the date of the making of such loan,\nprovided however that where a loan is extended at the direct request of\nthe pledgor, the collateral loan broker may receive and be entitled to\nany interest or charges provided by this article on such loan for any\nperiod of time not to exceed fifteen months from the date of such\nextension.\n