[Adopted 7-22-1986 by L.L. No. 5-1986]
For purposes of this article; the following terms shall have the meanings indicated:
LAYAWAY PLAN
A purchase over the amount of $50, whereby the consumer agrees to pay in two or more installments for the purchase of specific merchandise, delivery of which is to be made upon the payment of the full purchase price at a definite future date or at a date to be selected by the consumer.
It is an unlawful practice for a merchant to accept payment from a consumer to be applied to the purchase of merchandise on a layaway plan without first disclosing to the consumer, in writing, the following information:
A. 
A description of the merchandise to be purchased on the layaway plan, including, as appropriate, the type of item, name of the manufacturer, brand name, color, size, style and/ or model number.
B. 
the total cost of the item, including tax, installation, delivery and/or freight charges.
C. 
The amount of any charge for the use of the layaway method of payment, such as a service or carrying charge or cancellation fee. Failure to make this disclosure shall preclude the imposition of such charge or fee.
D. 
The duration of the layaway plan.
E. 
The required payment schedule, if any, and the consequences of missing payments.
F. 
The merchant's refund policy with respect to payments made by consumers.
G. 
The location, if other than the place of purchase, where the merchandise is being stored. If the merchandise selected by the consumer will not be removed from inventory upon receipt of the first layaway payment by the merchant, there must be prominently disclosed on the face of the writing given to the consumer the time at which the merchandise will be isolated from inventory or ordered by the merchant, e.g., "Notice: No merchandise will be removed from inventory until percent of the purchase price has been paid," or "Attention: Your selection of merchandise will not be ordered until you have made your next-to-final payment."
H. 
All other disclosures required by state or federal law.
The merchant must tender the specified merchandise in good condition to the consumer, on demand, upon receipt of the final layaway payment unless otherwise provided in the layaway plan.
Any merchant providing layaway plans shall conspicuously post at the location where such layaway plan transactions take place a sign stating: "Layaway plans are regulated by Rockland County local law. For information, contact the Rockland County Office of Consumer Protection."
Any person who shall violate any provision of this article shall be guilty of an offense against this article and shall be subject to a fine of not less than $100 nor more than $250 for the first offense, and of not less than $200 nor more than $500 for the second and every subsequent offense.