fall on the regulatory side of the ledger and which, for want of a better term, fall on the common law side.’ ” Cedeno, 2008 WL 3992304, at *7 (quoting In re Ocwen, 491 F.3d at 644). 1. New York Real Property Law § 274-a Plaintiffs allege violation of Section 274-a of the New York Real Property Law, which entitles an owner of real property that is encumbered by a mortgage to receive, upon demand, payoff statements at no charge. See N.Y. Real. Prop. Law § 274-a (hereinafter, “NYRPL § 274-a”). See Dougherty v. N. Fork Bank, 301 A.D.2d 491, 491-92, 753 N.Y.S.2d 130 (N.Y.App.Div.2003) (finding that defendant violated NYRPL 274-a by charging plaintiff for fax and quote fee for payoff statement); Negrin v. Norwest Mortgage, Inc., 263 A.D.2d 39, 44-48, 700 N.Y.S.2d 184 (N.Y.App.Div.1999) (<HOLDING>). By prohibiting the assessment of fees related
recognizing of course the suspension of the imposition of sentence and the grant of probation holding that the imposition of sanctions is reviewed for abuse of discretion holding that  274a prohibits imposition of fees for payoff letters plaintiff alleged cause of action regarding imposition of facsimile fee for payoff statement holding that imposition occurs at time of entry of judgment holding that imposition of government fees did not violate exempt status of religious organization