NY · SERVICE-AGMT · Updated July 2026 · Free
New York Service Agreement
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New York at a glance: Freelancer Protection: NYC Freelance Isn't Free Act applies to individuals · Late Payment Cap: Subject to 16% civil usury limit (N.Y. GOL § 5-501) · Governing Law: N.Y. General Obligations Law
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Overview
Service Agreements in New York
New York service agreements are subject to the General Obligations Law and contract common law.
Note: If the service provider is an individual freelancer or single-person LLC performing services in New York City, the contract must comply with the NYC "Freelance Isn't Free" Act, requiring written contracts and payment within 30 days of completion.
Key Facts
New York Service Agreement — Quick Reference
| Requirement | New York Rule |
|---|---|
| Freelancer Protection | NYC Freelance Isn't Free Act applies to individuals |
| Late Payment Cap | Subject to 16% civil usury limit (N.Y. GOL § 5-501) |
| Governing Law | N.Y. General Obligations Law |
Legal Requirements
New York Legal Requirements
- Freelancer contracts must detail the scope of services, compensation, and payment date.
- Late fee interest must not exceed New York's civil usury threshold.
Governing Laws
New York Governing Laws
Read the full text of these laws at Cornell Law School's New York legal resources or your state legislature's official website.
Questions & Answers
New York Service Agreement — Frequently Asked Questions
Does the Freelance Isn't Free Act apply outside New York City?
Yes, New York has expanded statewide freelancer protections similar to the NYC ordinance, requiring written agreements for independent worker engagements.