New York Consolidated Laws, General Business Law - GBS § 458-b. Definitions

1. “Credit services business” means any person who sells, provides, or performs, or represents that he can or will sell, provide or perform, a service for the express or implied purpose of improving a consumer's credit record, history, or rating or providing advice or assistance to a consumer with regard to the consumer's credit record history or rating in return for the payment of a fee.

“Credit services business” does not include any of the following:

2. “Consumer” means any natural person who is solicited to purchase or who purchases the services of a credit services business.

3. “Person” includes an individual, corporation, partnership, joint venture, or any business entity.

4. The terms “consumer reporting agency”, “consumer report”, “investigative consumer report”, “file”, and “adverse information” shall have the meanings ascribed to each by section three hundred eighty-a of this chapter.