§ 458-b. Definitions. As used in this article:

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:

(a) Any charitable corporation as defined in paragraph (a) of section
one hundred two (Definitions) of the not-for-profit corporation law
licensed pursuant to article twelve-c of the banking law.

(b) Any person admitted to practice law in this state where the person
renders services within the course and scope of his or her practice as
an attorney at law.

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.