The term generally accepted actuarial method, as such term is used in sections 4 and 9 of chapter 641 of the Laws of 1984 shall not include any method which results or may result in the addition of unpaid credit service charge amounts to the outstanding principal indebtedness under the contract or obligation.
N.Y. Comp. Codes R. & Regs. Tit. 3 § 92.5