N.Y. Comp. Codes R. & Regs. Tit. 3 § 75.1 - Issuance of credit cards
State-chartered credit unions are authorized to issue credit cards to their members, for purposes of providing such members with access both to overdraft loans and/or cash advances and to purchases of goods or services, to the extent not inconsistent with the provisions of article XI of the Banking Law, provided that overdraft loans and/or cash advances shall be made on the terms and conditions contained in subdivision 5 of section 108 of the Banking Law, and that credit extensions shall be made pursuant to the provisions of section 413 of the Personal Property Law.
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