1. Except as provided in subdivision two of this section, this chapter shall not apply to statements of accounts rendered to customers by public utilities whose billing practices are subject to the jurisdiction and regulation of the public service commission. 2. Subject to federal law and regulation, no creditor shall charge a consumer an additional rate or fee associated with payment on an account when the consumer chooses to pay by United States mail. This subdivision shall not be construed to prohibit a creditor from offering consumers a credit or other incentive to elect a specific payment option.
New York Legal Code