if a purchaser violates hetpa with the intent to defraud the purchaser could be subject to
Home Equity Theft Prevention Act Violation "with intent to defraud" = class E felony, subject to imprisonment and a fine of not more than $25,000. "Knowingly violates" = Class A misdemeanor, subject to a fine of not more than $25,000 and imprisonment in accordance with the penal law, or both.