Your right to cancel a contract signed at home in New York

The three business days the FTC's Cooling-Off Rule gives you to cancel a sale made at your home, what your state adds where we have verified it, exactly how to cancel, and the free state office to call if a seller will not honour it.

Federal minimum

Three business days (federal floor)

What this state adds

Not listed

How to cancel

In writing, sent before midnight of the third business day after you signed. The seller had to give you two copies of a dated Notice of Cancellation and tell you about it out loud.

Who to call for free help

New York Department of State, Division of Consumer Protection

Source: New York Department of State, Division of Consumer Protection (listed in the federal directory at usa.gov/state-consumer). Verified September 18, 2026. Information, not legal advice.