Consumer Law and Personal Finance for New York Teens: A Teen’s Guide to Rights, Contracts, and Money

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A Teen’s Guide to Rights, Contracts, and Money

New York teens enter contracts all the time, often without noticing. They tap “I agree,” start free trials, take first jobs, open bank accounts and sign first leases. Few learn the rules that protect them until something goes wrong.

Consumer Law and Personal Finance for New York Teens explains those rules in plain, practical language. Each of its 22 chapters opens with a real-life problem facing a New York teen and adds “Only in NYC” call-outs, a Know Your Rights checklist, a You Be the Lawyer case for class discussion, sample letters, step-by-step action plans, key vocabulary and review questions. The book closes with a glossary, a table of authorities and a directory of free legal help across New York State.

What the book covers

• When a contract signed as a minor can be cancelled, and when it cannot
• Deceptive ads, fake reviews and undisclosed influencer deals
• Getting out of subscription traps under New York’s automatic renewal law
• Overdraft fees, credit card debt and Buy Now, Pay Later pitfalls
• Reading and fixing a credit report, and freezing credit for free
• Abusive debt collectors and scams aimed at teens
• Data protection under New York’s Child Data Protection Act and SAFE for Kids Act
• Fair pay at a first job, and how to read a pay stub
• Buying a used car under New York’s lemon laws
• Renting a first apartment and getting the security deposit back
• Paying for college without falling for scholarship scams
• Filing complaints and using small claims court

Who it is for

• New York students in grades 5 through 12
• Teachers of economics, social studies, math and career and technical education who need material for the Board of Regents’ personal finance requirement
• Parents who want to talk with their teens about money, contracts and their rights
• Anyone about to turn 18 in New York

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Frequently Asked Questions

What does Consumer Law and Personal Finance for New York Teens cover?

It explains the federal, New York State and New York City laws that protect teens when they sign contracts, shop online, borrow, work, rent and pay for college, with practical steps for what to do when something goes wrong.

Who is the book written for?

It is written for New York students in grades 5 through 12, their teachers and parents, and anyone about to turn 18 in New York.

Can teachers use this book in class?

Yes. Its 22 chapters support the Board of Regents’ personal finance requirement for grades 5 through 12. Each chapter stands alone, and the capstone project is designed to support the New York State Seal of Civic Readiness.

Where can I buy Consumer Law and Personal Finance for New York Teens?

The paperback is available on Amazon.

Is the book a substitute for legal advice?

No. The book is for informational and educational purposes. For advice about your own situation, you can book a flat-fee consultation with Ms. Bolin.