NY S06177

Establishes comprehensive regulations for lease-to-own contracts involving manufactured homes in New York, requiring written agreements that clearly state all terms including home description, lot number, rent amounts, and duration.

Mandates that lessors perform UCC lien searches, county clerk records searches, and DMV searches (for 1995+ model homes) at least five business days before execution and provide results to lessees, with any existing liens discharged by the lessor.

Requires separate itemization of lot rent from lease-to-own payments, prohibits material misrepresentations in commercial communications about contract terms, and mandates disclosure compliance with the federal Consumer Leasing Act.

Protects lessees by creating a rebuttable presumption of wrongful termination if tenancy is terminated within 12 months of contract end while lessee is in good standing, triggering mandatory refund of all lease-to-own payments plus interest.

Applies regulations both to lease-to-own contracts within manufactured home parks and those outside parks, prohibiting lessors from obtaining waivers of tenant protections and requiring 24-month record retention of all marketing materials and contract terms.