reglab/housing_qa huggingface dataset:
NY Banking L § 356 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 356 - Restrictions on Certain Loans by Non-Licensees, Interests, Other Charges; Loans Made Outside This State.

§ 356.  Restrictions  on  certain  loans  by non-licensees, interests,   other charges; loans made outside this state. No person or other entity,   other than a licensee under this article, shall directly  or  indirectly   charge,   contract   for,   or   receive   any  interest,  discount,  or   consideration greater than the person or other entity would be permitted   by law to charge if it were not a licensee hereunder  upon  a  loan  not   exceeding  the maximum amounts prescribed in section three hundred forty   of this article.The foregoing prohibition shall apply to any person  or  other  entity   who  or  which,  by any device, subterfuge, or pretense whatsoever shall   charge, contract for, or receive  greater  interest,  consideration,  or   charges  than is authorized by the laws of this state for any such loan,   use, or forbearance of money, goods, or things in action or for any such   loan, use, or sale of credit.Any loan in an amount not exceeding the maximum amounts prescribed  in   section  three hundred forty of this article for which a greater rate of   interest, consideration, or charges than is permitted  by  the  laws  of   this state has been charged, contracted for, or received, wherever made,   shall  not  be  enforced  in this state and every person or other entity   participating therein in this state shall be subject to  the  provisions   of  this article.   An action to enforce any such loan made in any other   state to a person then a resident of that state, who now resides in this   state may be maintained  in  this  state  if  the  amount  of  interest,   discount,  consideration  or  other charge for such loan, demanded to be   paid in such action, does not exceed that permitted  to  a  licensee  by   section  three  hundred fifty-one of this article for a loan of the same   amount repayable in the same manner.
NY Banking L § 358 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 358 - Penalties.

§ 358.  Penalties.  Any person or other entity including the officers,   directors,  agents,  and  employees  thereof,  which  shall  violate  or   participate  in  the violation of any of the provisions of section three   hundred forty of this chapter shall be guilty of a misdemeanor.
NY Banking L § 359 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 359 - Authority of Superintendent.

§ 359.  Authority  of  superintendent.  The  superintendent  is hereby   authorized and empowered to make such general rules and regulations, and   such specific rulings, demands, and findings as may be necessary for the   proper conduct of the business authorized and licensed under and for the   enforcement of this article, in addition  hereto  and  not  inconsistent   herewith.
NY Banking L § 360 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 360 - Short Title.

§ 360.  Short  title.  This article shall be known and may be cited as   the New York licensed lender law.
NY Banking L § 361 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 361 - Severability.

§ 361.   Severability.  If  any  provision  of  this  article  or  the   application thereof to  any  person  or  circumstances  is  held  to  be   invalid,   such   invalidity   shall  not  affect  other  provisions  or   applications of this article which  can  be  given  effect  without  the   invalid provision or application, and to this end the provisions of this   article are severable.
NY Banking L § 366 (2021)
2021 New York Laws BNK - Banking Article 9-A - Licensed Cashers of Checks 366 - Definitions.

§ 366.  Definitions.  When used in this article. 1. The term "licensed   casher of checks"  means  any  individual,  partnership,  unincorporated   association  or  corporation  duly  licensed  by  the  superintendent of   financial services to engage in business pursuant to the  provisions  of   this article.2.  The  term  "licensee"  means  a  licensed casher of checks, drafts   and/or money orders.3. The term "mobile unit" means any vehicle  or  other  movable  means   from  which the business of cashing checks, drafts or money orders is to   be conducted.
NY Banking L § 367 (2021)
2021 New York Laws BNK - Banking Article 9-A - Licensed Cashers of Checks 367 - License Requirements; Fees; Capital Requirements.

§ 367. License requirements; fees; capital requirements. 1. No person,   partnership,  association or corporation shall engage in the business of   cashing checks, drafts or money orders for a consideration without first   obtaining a license from the superintendent.2. Application for such license shall be in writing, under  oath,  and   in  the  form  prescribed  by  the superintendent, and shall contain the   name, and the address both of the residence and place  of  business,  of   the  applicant, and if the applicant is a co-partnership or association,   of every member thereof, and if  a  corporation,  of  each  officer  and   director thereof; also, if the business is to be conducted at a specific   address,  the  address  at which the business is to be conducted, and if   the business is to be conducted from a mobile unit, the New  York  state   registration  number or other identification of such mobile unit and the   area in which the applicant proposes to operate such  mobile  unit;  and   also such further information as the superintendent may require.3.  Such applicant at the time of making such application shall pay to   the superintendent a fee as prescribed pursuant to section eighteen-a of   this chapter for investigating the application. Any licensee  requesting   a  change  of  address, shall at the time of making such request, pay to   the superintendent a fee as prescribed pursuant to section eighteen-a of   this chapter for investigating the new address; provided, however,  that   the   superintendent   may,   in  his  or  her  discretion,  waive  such   investigation fee if warranted, and provided further, that no fee  shall   be payable for the relocation of a limited station.4.   Every   applicant  shall  prove,  in  form  satisfactory  to  the   superintendent that he or it has available for  the  operation  of  such   business,  for  each  location and for each mobile unit specified in the   application, liquid assets of at least ten thousand dollars,  and  every   licensee  shall continuously maintain for the operation of such business   for each location and for each mobile unit liquid assets of at least ten   thousand dollars.  Notwithstanding  the  foregoing  provisions  of  this   subdivision,  the  superintendent,  upon application by an applicant and   for good cause shown, may permit a reduction from ten  thousand  dollars   to not less than five thousand dollars of minimum liquid assets required   for each location.
NY Banking L § 371 (2021)
2021 New York Laws BNK - Banking Article 9-A - Licensed Cashers of Checks 371 - Regulations.

§ 371.  Regulations.  The  superintendent  is  hereby  authorized  and   empowered to make such rules and regulations, and such specific rulings,   demands, and findings as he may deem necessary for the proper conduct of   the business authorized and licensed under and for  the  enforcement  of   this article, in addition hereto and not inconsistent herewith.
NY Banking L § 372 (2021)
2021 New York Laws BNK - Banking Article 9-A - Licensed Cashers of Checks 372 - Fees and Charges; Posting Schedule; Records and Reports.

§ 372. Fees and charges; posting schedule; records and reports. 1. The   superintendent  shall,  by  regulation, establish the maximum fees which   may be charged by licensees for cashing a check, draft, or money  order.   No  licensee shall charge or collect any sum for cashing a check, draft,   or money order in excess of that  established  by  the  superintendent's   regulations;  provided,  however, that no maximum fee shall apply to the   charging of fees by licensees for the cashing of checks, drafts or money   orders for payees of such checks, drafts or money orders that are  other   than natural persons.2. The schedule of fees and charges permitted under this section shall   be  conspicuously  and  continuously  posted in every location and mobil   unit licensed under this article.3. No change in fees shall become effective earlier than  thirty  days   after the superintendent shall notify the majority leader of the senate,   the  speaker  of  the  assembly, and the chairmen of both the senate and   assembly committees on banks of his intention to change fees.4. The fees in effect immediately prior to the effective date of  this   subdivision  shall  continue  to  be  the  maximum  allowable fees until   revised by the superintendent's regulations.5. Each licensee shall keep  and  use  in  its  business  such  books,   accounts,  and  records  as the superintendent may require to carry into   effect the provisions of this article and the rules and regulations made   by the superintendent hereunder.  Every  licensee  shall  preserve  such   books, accounts and records for at least two years.6.  Before  a licensee shall deposit with any banking organization, or   with any organization engaged in the business of banking, a check, draft   or money order cashed by such licensee, the same must be  endorsed  with   the  actual  name  under  which such licensee is doing business and must   have the words "licensed casher of checks" legibly  written  or  stamped   immediately after or below such name.7.  Every  licensee shall submit to the superintendent, or such person   as the superintendent may designate, such suspicious activity reports or   currency transaction reports as are required to be submitted to  federal   authorities  pursuant  to provisions of the Bank Secrecy Act (subchapter   11, chapter 53, title  31,  United  States  code)  and  regulations  and   administrative orders related thereto, as amended, within the periods of   time  as  required  by such act and regulations. A licensee may submit a   copy of any such report to the superintendent, or  such  person  as  the   superintendent   may   designate,   that  is  filed  with  such  federal   authorities. The superintendent may adopt such  regulations  or  require   such  additional  reports  as  he  or  she deems necessary to insure the   effective enforcement of this subdivision.
NY Banking L § 372-A (2021)
2021 New York Laws BNK - Banking Article 9-A - Licensed Cashers of Checks 372-A - Superintendent Authorized to Examine.

§  372-a.  Superintendent authorized to examine. 1. For the purpose of   discovering violations of this article or securing information  lawfully   required  in  this  section,  the superintendent may at any time, and as   often as may be determined,  either  personally  or  by  a  person  duly   designated  by  the superintendent, investigate the cashing of checks by   licensees and examine the  books,  accounts,  records,  and  files  used   therein of every licensee.2. For the purpose established in subdivision one of this section, the   superintendent and his or her duly designated representatives shall have   free  access  to  the  offices  and places of business, books, accounts,   papers, records, files, safes and vaults  of  all  such  licensees.  The   superintendent  shall have authority to require the attendance of and to   examine under oath all persons whose testimony may be required  relative   to such cashing of checks or such business.
NY Banking L § 372-B (2021)
2021 New York Laws BNK - Banking Article 9-A - Licensed Cashers of Checks 372-B - Forged Checks for Cashing; Signage.

§  372-b. Forged checks for cashing; signage. All licensees shall post   in a conspicuously prominent place, clearly visible to  all  patrons,  a   statement  printed  in  plain language as provided by the superintendent   informing the public that cashing a forged check  is  illegal  and  that   those  who  knowingly  cash forged checks will be prosecuted pursuant to   article one hundred seventy of the penal law.
NY Banking L § 374 (2021)
2021 New York Laws BNK - Banking Article 9-A - Licensed Cashers of Checks 374 - Application of Article.

§ 374. Application of article. 1. The provisions of this article shall   not  apply when checks, drafts or money orders are cashed, other than by   a licensee, without a consideration or charge; nor when  checks,  drafts   or  money orders are cashed, other than by a licensee, as an incident to   the conduct of any other lawful business where not more than one  dollar   is  charged  for cashing each check, draft or money order; nor shall the   provisions of this article apply to any national bank,  federal  reserve   bank,  or  to any person, partnership, association, corporation or other   organization doing business under or pursuant to the provisions of  this   chapter, except a licensee under this article.2.  The  provisions  of  this  article shall apply to the operation of   electronic check cashing machines. No person, partnership,  association,   corporation  or  other  organization  required to be licensed under this   article shall operate an electronic check cashing machine without  being   duly  licensed by the superintendent to engage in such business pursuant   to this article.* 3. Notwithstanding the provisions of subdivisions  one  and  two  of   this  section, no national bank or any person, partnership, association,   corporation or other organization doing business under  or  pursuant  to   the  provisions  of  this chapter, except a licensee under this article,   shall conduct the business of cashing  checks  at  a  separate  location   which  is  used  primarily by any such entity for the purpose of cashing   checks, or at a separate  location  by  means  of  an  electronic  check   cashing  machine,  unless  such separate location is not closer than one   thousand five hundred eighty-four feet (three-tenths of a mile) from  an   existing  licensee;  provided  however  that  this restriction shall not   apply to any separate location which  was  in  operation  prior  to  the   effective  date  of  this subdivision nor shall it apply to any national   bank or any  person,  partnership,  association,  corporation  or  other   organization  doing business under or pursuant to the provisions of this   chapter which was engaged in the business of  electronic  check  cashing   machines in this state prior to the effective date of this subdivision.* NB Repealed August 1, 20234.  Notwithstanding  the  provisions of article four-A of this chapter   and any rules or regulations adopted thereunder, a public  accommodation   office  shall  be deemed a separate location for purposes of subdivision   three of this section if such office is used primarily for  the  purpose   of  cashing  of  checks.  A public accommodation office, for purposes of   this subdivision, shall include, without limitation, both  those  public   accommodation  offices  for  which  regulatory  approval is required and   those public accommodation offices for which regulatory approval is  not   required. The provisions of this subdivision shall be deemed to apply to   any similar facility established by a national bank.
NY Banking L § 375 (2021)
2021 New York Laws BNK - Banking Article 10 - Savings and Loan Associations 375 - Incorporation; Organization Certificate.

§ 375. Incorporation; organization certificate. When authorized by the superintendent  as  provided  in article two of this chapter, fifteen or more persons, residents of the state of New York, may form a corporation to be known as a  savings  and  loan  association.  Such  persons  shall subscribe   and   acknowledge   and  submit  to  the  superintendent  an organization certificate in duplicate, which shall  specifically  state: 1. The name by which the association is to be known, which shall contain as a part thereof the words "savings and loan association."   2. The place where its principal office is to be located.   3.  The  name,  occupation and place of residence of each incorporator and the number of shares for which he has subscribed.   4. The total matured value of the shares for which  the  incorporators have  subscribed,  which  shall  be  at  least: (a) Twenty-five thousand dollars if the place where the principal office is to be located  has  a population of ten thousand or more; or  (b)  Ten  thousand  dollars  if  the principal office is to be located elsewhere.   5. The number of directors of the association, or that the  number  of directors shall not be less than a stated minimum nor more than a stated maximum.  Such  number,  or the minimum and the maximum stated, shall be within the limitations prescribed by section three hundred  ninety-seven of this article.   6. The names of the incorporators who shall be its directors until the first  annual meeting. The incorporators named as directors must possess the  qualifications  of  directors  as  to  citizenship  and   residence specified in section three hundred ninety-seven of this article.
NY Banking L § 377 (2021)
2021 New York Laws BNK - Banking Article 10 - Savings and Loan Associations 377 - When Corporate Existence Begins.

§ 377.  When corporate existence begins. When the superintendent shall   have approved the organization certificate and the proposed by-laws, and   shall have issued his authorization certificate as provided  in  article   two  of  this  chapter, the corporate existence of the association shall   begin.
NY Banking L § 378-B (2021)
2021 New York Laws BNK - Banking Article 10 - Savings and Loan Associations 378-B - Club Accounts.

§ 378-b.  Club accounts. 1. No contract under which a savings and loan   association agrees to  repay  shares  of  fixed  sums  made  at  regular   intervals  at  a  given  time  with  all  interest or dividends credited   thereon, or to  repay  said  shares  when,  together  with  interest  or   dividends  credited  thereon,  they  shall  equal  a  specified sum, may   provide for any forfeiture of the sums deposited in  the  event  of  the   discontinuance  of  the  regular payments. Interest or dividends on club   accounts, if offered, must be credited at least quarterly and may not be   forfeited once credited, in the event of the discontinuance  of  regular   payments.2.  Any  savings  and  loan association which provides for deposits in   club accounts shall,  in  all  advertising  announcements  or  brochures   pertaining  to such accounts, state whether or not interest or dividends   are paid thereon and, if interest or dividends are paid, shall state the   rate or form of interest or dividends so paid  in  accordance  with  any   rules and regulations that may be prescribed by the superintendent.
NY Banking L § 378-C (2021)
2021 New York Laws BNK - Banking Article 10 - Savings and Loan Associations 378-C - Excelsior Linked Deposit Program.

§ 378-c.   Excelsior  linked  deposit  program.  A  savings  and  loan   association may accept  moneys  deposited  by  the  comptroller  or  the   commissioner  of  taxation  and  finance  as linked deposits pursuant to   article fifteen of the state finance  law  and  enter  into  agreements,   pledge assets or furnish other security, satisfactory in form and amount   to such authorized depositor, for the repayment of such moneys.
NY Banking L § 378-D (2021)
2021 New York Laws BNK - Banking Article 10 - Savings and Loan Associations 378-D - Preservation of Books and Records.

§  378-d.  Preservation  of  books and records. Every savings and loan   association shall preserve all its records  of  final  entry,  including   cards used under the card system and deposit tickets, for a period of at   least six years from the date of making the same or from the date of the   last entry thereon; provided, however, that preservation of photographic   reproductions  thereof  or records in photographic form shall constitute   compliance with the requirements of this  section.  Notwithstanding  the   foregoing,  the  superintendent  of  financial services may prescribe by   regulation such period of time longer or shorter than six  years  during   which  all  records  kept  by savings and loan associations as fiduciary   shall be preserved in original form.
NY Banking L § 378-E (2021)
2021 New York Laws BNK - Banking Article 10 - Savings and Loan Associations 378-E - Water Pollution Control Linked Deposit Program.

§ 378-e. Water pollution control linked deposit program. A savings and   loan  association  may  accept  moneys  deposited  by the New York state   environmental facilities corporation  as  linked  deposits  pursuant  to   article  sixteen  of  the  state  finance law and enter into agreements,   pledge assets or furnish other security, satisfactory in form and amount   to  New  York  state  environmental  facilities  corporation,  for   the   repayment of such moneys.
NY Banking L § 379 (2021)
2021 New York Laws BNK - Banking Article 10 - Savings and Loan Associations 379 - Power to Invest in Securities.

§ 379.  Power  to invest in securities. A savings and loan association may invest its funds in the following  securities:  (1)  Shares  of  the Savings  and  Loan  Bank  of  the  State  of  New York, in an amount not exceeding five per centum of the assets of such association at the  time of  such  investment, except that such amount may exceed five per centum with the written approval of the superintendent.  (2) Capital stock of a federal  home  loan  bank,  in  an  amount  not exceeding  five per centum of the assets of such association at the time of such investment, except that such amount may exceed five  per  centum with the written approval of the superintendent.  (3) Obligations of the Savings and Loan Bank of the State of New York.  (4)  Bonds,  debentures, consolidated debentures, or other obligations of a federal home loan bank or banks.  (5)  Securities,  certificates  of  deposit  and  other  accounts  and corporate  obligations in which investments are authorized to be made by savings  banks  subject  to  those  limitations   applicable   to   such investments  in  the  case of savings banks, including, without limiting the foregoing, investments made  under  the  provisions  of  subdivision thirty of section two hundred thirty-five of this chapter.  (6)  Such  additional  investments  as  are  authorized  to be made by savings  banks  by  subdivision  thirty-one  of  section   two   hundred thirty-five  of this chapter, subject to those limitations applicable to such investments in the case of savings banks.  (7) Such bonds or other evidences of indebtedness issued or guaranteed by the State of Israel  as  are  approved  by  the  comptroller  of  the currency  for  investment by national banks; provided, however, that the principal and interest payable thereon shall be payable in United States dollars; and provided that  such  investments  may  not  exceed  in  the aggregate  five percent of the association's capital deposits, undivided profits, surplus and reserves.