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You are still subject to a replacement fee (automatically charged) if you really don't return the book: https://www.nypl.org/help/borrowing-materials/library-f

• breckenedge 5y ago
  Wow and only a 30 day limit: Items are declared lost after they have been overdue for 30 days and a replacement fee will be charged to the patron account.
  • OldHand2018 5y ago
    If it is like the Chicago policy, you get “unlimited” automatic renewals and a book only becomes overdue when someone else requests the book. You get an email telling you in advance of the overdue date that you have to actually return the book.
• jacobsenscott 5y ago
  The fee is assigned to your account, but you don't actually pay anything (no money is actually exchanged). If you return the item after 30 days the fee is cleared. Even if you pay the fee and return the item within 90 days the fee is refunded. You need to accumulate $100 in fees before they suspend borrowing. It all seems very fair to me.