N.Y. Comp. Codes R. & Regs. tit. 16, § 90.5
(4) Payment shall be considered accomplished on the date when the full amount of the bill or an agreed-upon partial payment is received by the electric corporation or gas and electric corporation or by any of such corporation's agents; provided, however, that if payment is mailed to such corporation or its agents, payment shall be considered accomplished as of the mailing by the consumer.
(b) Credit risk standards.
(2) A new residential customer may not be considered non-credit-rated unless such customer is unable to provide, to the satisfaction of the utility, affirmative answers to three or more of the six questions contained in Appendix 15-A of this Title, infra. Each electric corporation and gas and electric corporation shall adopt procedures which provide for use of the six questions appearing in Appendix 15-A of this Title, infra. An electric corporation or gas and electric corporation may determine whether to require a deposit from a new residential customer in accordance with the credit risk standards provided in paragraph (1) of this subdivision, if sufficient information is available from a New York utility rendering comparable service to determine whether such customer is a bad credit risk as defined in paragraph (1) of this subdivision. If a new residential customer can establish prior satisfactory credit history with a utility rendering electric service at the customer's most recent address, the electric corporation may not obtain a security deposit from such new residential customer.
(c) Residential customer deposits.
No electric corporation or gas and electric corporation may require a deposit from a residential customer unless such corporation shall establish that the residential customer is a bad credit risk or non-credit-rated in accordance with the definitions and standards prescribed in this section.
(a) Definitions.
For the purposes of this section, and when used in section 90.6 of this Part, the following definitions shall apply: