reglab/housing_qa huggingface dataset:
NY Banking L § 9-G (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-G - Right of Set Off.

§ 9-g.  Right  of set off. 1. (a) No banking institution shall assert, claim or exercise any right of set off against any deposit account  into which  social  security  or  supplemental  security  income payments are deposited pursuant to an agreement with such banking  institution  which provides  that  such  payments  be  deposited directly into such deposit account without presentation to the depositor at the time of deposit.  (b) No banking institution shall assert, claim or exercise  any  right of  set  off  against  any  payments  referred  to in subdivision (p) of section fifty-two hundred five of the civil practice law and rules.   2. No banking institution shall assert, claim or exercise any right of set  off  against  any  other  deposit  account  held  by  such  banking institution unless, prior to or on the same business day of such action, notice  of  the  set  off  together with the reasons for the set off are mailed to the depositor.   3. Failure to provide the notice required by this section shall not be deemed to affect the validity of the right of set off.   4. "Banking institution" as used in this section shall have  the  same meaning as used in section nine-f of this chapter.   5.  "Depositor"  as used in this section shall include shareholders in state and federal savings and loan associations and  state  and  federal credit unions.   6.  "Deposit account" as used in this section shall include shares and share accounts of state and federal savings and  loan  associations  and state and federal credit unions.   7.  If  any  provision  of  this  section,  or the application of such provision to any bank,  trust  company,  national  bank,  savings  bank, federal  mutual  savings  bank,  savings  and  loan association, federal savings and loan association, credit  union,  federal  credit  union  or branch  of  a  foreign  banking  corporation, shall be held invalid, the remainder of this section, and the application of such section to banks, trust companies, national banks, savings banks, federal  mutual  savings banks,   savings   and  loan  associations,  federal  savings  and  loan associations, credit  unions,  federal  credit  unions  or  branches  of foreign  banking  corporations  other  than  those  to  which it is held invalid, shall not be affected thereby.
NY Banking L § 9-H (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-H - Imposition of Service Charges Prohibited.

§ 9-h.   Imposition   of   service   charges  prohibited.  No  banking   organization shall impose any service charge with respect to any deposit   account as a result of the loss of a check or money  which  is  properly   deposited  with  the  banking organization by delivery to an employee of   the banking organization for credit to the deposit account and for which   a written receipt is issued by the employee.
NY Banking L § 9-I (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-I - Close-Out Fees Prohibited in Certain Cases.

* § 9-i.  Close-out  fees  prohibited  in  certain  cases.  No banking   institution, as that term is defined in section nine-f of this  chapter,   shall  charge  its  customers a fee for the withdrawal of all funds from   any account resulting in the closing of such account provided that  such   account  was  opened  for  a  period  of  at  least  one  hundred eighty   consecutive days prior to its closing.* NB There are 2 § 9-i's
NY Banking L § 9-I-2 (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-I*2 - Prohibition on Depositor of Early Withdrawal Penalty in Certain Cases.

* § 9-i.  Prohibition  on  depositor  of  early  withdrawal penalty in   certain cases. No banking  institution,  as  that  term  is  defined  in   section  nine-f  of  this  chapter,  shall  impose  any  penalty for the   repayment of a time deposit prior to maturity where  the  depositor  has   died or been declared legally incompetent.* NB There are 2 § 9-i's
NY Banking L § 9-J (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-J - Disposal of Records; Customer Accounts.

§ 9-j.  Disposal  of  records;  customer  accounts.  1.  Every banking   institution, which for purposes of this  section  means  a  bank,  trust   company,  savings  bank,  savings and loan association, licensed foreign   banks and credit unions, with  respect  to  written  records  no  longer   required  or needed to be retained which contain information relating to   an identified customer or an identified customer's  depository  or  loan   account,  shall  in  disposing  of  such  records provide procedures and   processes reasonably calculated to assure destruction or disposal  in  a   manner  which  prevents  subsequent  unauthorized review or reuse of the   record.2. The superintendent shall enforce the provisions of this section  by   appropriate rules, regulations and orders.
NY Banking L § 9-K (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-K - Sale of Education Loans.

§ 9-k.  Sale  of  education loans. 1. "Banking institution" as used in this section shall mean and include all banks, trust companies,  savings banks,  savings and loan associations, credit unions and foreign banking corporations whether  incorporated,  chartered,  organized  or  licensed under the laws of this state or any other state or the United States.   2. "Lender" as used in this section shall mean and include:  (a)  a  national or state chartered bank, mutual savings bank, savings and loan association, or credit union that:  (1) is subject to examination and supervision in  its  capacity  as  a lender  by  an  agency of the United States or of the state in which its principal place of operation is established; and  (2) does not  make  or  hold  loans  to  students  under  the  federal guaranteed  student  loan  program  that total more than one-half of its consumer credit loan dollar volume, including home mortgages, unless  it is a bank that is wholly owned by a state; or  (b)  a  pension  fund  as  defined in the federal employees retirement income security act; or  (c)  an  insurance  company  that  is  subject  to   examination   and supervision by an agency of the United States or a state; or  (d)  in  any  state,  a single agency of the state or a single private nonprofit agency designated by the state; or  (e) for purposes only of purchasing and holding loans  made  by  other lenders  under  the federal guaranteed student loan program, the student loan marketing association or an agency of any state  functioning  as  a secondary market.   3.  "Guaranteed education loan" as used in this section shall mean and include any loan made for the  purpose  of  financing  higher  education which  is  made  under the authority of Part B of Title IV of the Higher Education Act of 1965 as amended or under the authority of  section  six hundred eighty of the education law.   4.  Whenever  a  banking  institution or other eligible lender as such terms are defined in this section sells a guaranteed education  loan  to another banking institution or eligible lender, such selling institution shall  notify  the borrower in writing within fifteen days of such sale. Such notice shall include the name and address of the institution  which has  purchased  such loan. The selling institution shall also notify the New York state higher education services corporation or other  guarantor of such sale.  Notice shall include:  (a)  the  name  and address of the institution which has purchased the loan; and  (b) the name, address and social security number of the  borrower  and the borrower's account number.
NY Banking L § 9-M (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-M - Return of Checks.

§ 9-m.  Return  of  checks.  Any  banking  institution as that term is   defined in section nine-f of this chapter, except a  credit  union,  and   any  other financial institution which offers consumer accounts, meaning   accounts established by natural persons primarily for  personal,  family   or  household purposes, which can be accessed by check, negotiable order   of withdrawal, or  other  similar  written  instrument,  shall  offer  a   consumer  account  on  which  the cancelled checks, negotiable orders of   withdrawal, or other similar  instruments  drawn  on  that  account  are   returned to the customer with a periodic statement of the account.
NY Banking L § 9-N (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-N - Trust Accounts; Address of Beneficiary.

§ 9-n.  Trust  accounts;  address  of  beneficiary.  1.  Every banking   institution, which for the purposes of this section means a bank,  trust   company,  savings  bank,  savings and loan association, licensed foreign   bank or credit union, which shall hold accounts by  depositors  in  such   depositor's   own  name  and,  further,  in  trust  for  a  third  party   beneficiary or beneficiaries, shall make a written record of the address   of any such beneficiary or beneficiaries at the time a trust account  is   established.2.  The superintendent shall enforce the provisions of this section by   appropriate rules, regulations and orders.
NY Banking L § 9-O (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-O - Mortgage Loans; Disclosure Form.

§ 9-o.  Mortgage  loans;  disclosure  form. 1. For the purpose of this section, the following terms shall have the following meanings:  (a) "Mortgage lending institution" shall mean  an  insurance  company, banking  organization,  foreign  banking  corporation  licensed  by  the superintendent or the comptroller of the currency, to transact  business in  this state, national bank, federal savings bank, federal savings and loan association, federal credit union,  or  any  bank,  trust  company, savings  bank,  savings  and loan association, or credit union organized under the laws of any other state, or any instrumentality created by the United States or any other state, with the power to make mortgage loans. Mortgage lending institution shall include a subsidiary of such entity.  (b) "Mortgage banker" shall mean a person or entity who  or  which  is licensed  pursuant to section five hundred ninety-one of this chapter to make mortgage loans in this state.   2. Every  mortgage  lending  institution  and  mortgage  banker  which originates  loans secured by real property used for residential purposes located in this state shall provide a separate disclosure form with each application that shall contain a provision stating whether the  interest rate  of  such  loan shall be the interest rate in effect at the time of application, the time of commitment, the time  of  closing  or  at  such other  period of time as shall be determined by the lending institution. The superintendent of financial  services  shall  promulgate  rules  and regulations to implement the provisions of this section.
NY Banking L § 9-P (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-P - Acceptance of Certain Checks for Deposit.

§ 9-p.   Acceptance   of   certain  checks  for  deposit.  No  banking   institution as that term is defined in section nine-f  of  this  chapter   shall,  as  a  policy or general practice, refuse to accept as a deposit   made with a teller by an account holder a check for the sole reason that   it contains two endorsements. Nothing contained herein shall  prevent  a   banking institution from requiring the approval of an officer or manager   as a condition of accepting a check with two endorsements for deposit or   from  refusing to accept a deposit of a check with two endorsements that   is not made with a teller.
NY Banking L § 9-R (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-R - Geographic Restrictions.

§ 9-r. Geographic restrictions. 1. No banking institution shall have a   policy  or general practice of refusing to open a deposit account solely   on the basis of the geographic location of the depositor's residence  or   place  of  business;  provided  that  the  banking  office  at which the   depositor seeks to open the account is within the county or, in the case   of a county wholly contained within a  city,  the  city  in  which  such   residence or place of business is located. For purposes of this section,   "banking  institution"  means  any  bank,  trust  company, savings bank,   savings and loan association, or branch of a foreign banking corporation   the deposits of which are  insured  by  the  federal  deposit  insurance   corporation,  which  is  incorporated,  chartered, organized or licensed   under the laws of this state or any other state or the United States.2. Nothing herein contained shall prevent a banking  institution  from   requiring  any person applying for a deposit account to demonstrate that   the residence or place of business of such person is located within  the   same  county  or  city,  or  prevent  a  banking institution from taking   actions  necessary  to  verify  such  person's  residence  or  place  of   business, so as to avoid being considered in violation of any law of the   United  States  or of this state which has as its purpose the prevention   of money laundering or other criminal  or  fraudulent  acts,  including,   without limitation, 12 USC § 1829b (Bank Secrecy); 18 USC § 1341 (Frauds   and Swindles); 18 USC § 1342 (Fictitious Name or Address); 18 USC § 2113   (Bank  Robbery  and  Incidental  Crimes);  31  USC § 5311 through § 5326   (Records and Reports on Monetary Instruments Transactions).
NY Banking L § 9-S (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-S - Preauthorized Electronic Fund Transfers.

§  9-s.  Preauthorized  electronic  fund  transfers.  1. Every banking   institution which provides preauthorized electronic fund transfers  from   consumer  accounts  shall, in accordance with regulations adopted by the   superintendent of financial services, provide consumers with  the  right   to  stop  payment  by  giving  written or oral notice within a specified   period of time prior to such transfer. For  purposes  of  this  section,   "banking  institution" shall mean any state or federally chartered bank,   trust company, savings bank, savings  and  loan  association  or  credit   union,  and  "consumer account" shall mean an account used primarily for   personal, family or household purposes.2. No agreement for preauthorized electronic  fund  transfers  entered   into  on  or  after January first, two thousand thirteen shall permit or   require the transfer from a consumer account of any funds as  a  penalty   or  a  final payment after the consumer has given written or oral notice   to stop payment to his or her financial institution.3. Any banking  institution  which  complies  with  the  stop  payment   provisions of the federal Electronic Funds Transfer Act, as such act may   be  amended  from  time  to  time,  and any regulations adopted pursuant   thereto, shall be deemed to be in compliance with the provisions of this   section.
NY Banking L § 9-T (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-T - Unsolicited Mail-Loan Checks.

§  9-t. Unsolicited mail-loan checks. 1. For purposes of this section, the following terms shall have the following meanings:  (a) "lending institution" shall mean a licensed lender or a  state  or federally  chartered bank, trust company, savings bank, savings and loan association or credit union.  (b) "mail-loan check" shall mean a check, made out to and mailed to  a person by a lending institution, which, when cashed or deposited by such person,  obligates  such person to repay to such lending institution the amount of the proceeds of such check according to terms mailed  to  such recipient with such check.   2. Any lending institution which issues mail-loan checks shall:  (a)  include  on  the  face  of  each check issued to a non-customer a written  statement,  in  legible  type  reading  "ONE  FORM   OF   VALID PHOTOGRAPHIC  ID NEEDED TO CASH OR DEPOSIT"; provided, however, that any entity cashing or accepting a mail-loan check for  deposit  may  require more than one form of identification;  (b)  make  no  reference  on  the outside of the envelope containing a mail-loan check that indicates that a  check  is  enclosed  within  such envelope;  (c) provide that all mail-loan checks shall be non-transferable; and  (d)  include  an  expiration  date  of not more than six months on the mail-loan check.   3. Any lending institution which mails a mail-loan check in  violation of  the  provisions  of this section shall be liable for a civil penalty not to exceed five hundred dollars for each such violation.
NY Banking L § 9-U (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-U - Atm Transactions by Persons Using Foreign Bank Accounts.

§  9-u.  ATM  transactions  by persons using foreign bank accounts. 1.   Subject to the requirements of section three  hundred  ninety-nine-y  of   the  general  business law, as added by chapter four hundred ninety-five   of the laws of nineteen hundred ninety-nine, an agreement to operate  or   share  an  automated  teller  machine  shall  not  have  the  effect  of   prohibiting, limiting or restricting the right of the operator or  owner   of the automated teller machine to charge a customer who is conducting a   transaction  using  an  account  from  a  financial  institution that is   located outside the  United  States  an  access  fee  or  surcharge  not   otherwise prohibited under state or federal law.2. Nothing in this section shall be construed to prohibit or otherwise   limit the ability of an operator or owner of an automated teller machine   to  voluntarily  enter  into  an  agreement regarding participation in a   surcharge free network.
NY Banking L § 9-W (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-W - Standard Financial Aide Award Letter.

§  9-w.  Standard  financial  aid  award letter. The superintendent of   financial services in consultation with  the  president  of  the  higher   education  services  corporation  shall develop a standard financial aid   award letter which shall clearly delineate (a)  the  estimated  cost  of   attendance,  including but not limited to, the cost of tuition and fees,   room and board, books, and transportation. Such  standard  letter  shall   provide  the  estimated cost of attendance for the current academic year   as well as estimates for each academic year that the student would  need   to  attend  to  earn a degree at such institution with a disclaimer that   the cost of attendance for years other than the  current  academic  year   are  estimates  and  may  be  subject  to  change, (b) all financial aid   offered from the federal government, the state, and the institution with   an explanation as to which components will require  repayment,  (c)  any   expected   student   and/or  family  contribution,  (d)  campus-specific   graduation, median borrowing, and loan default rates, and (e) any  other   information as determined by the superintendent in consultation with the   president.  Such  standard  letter  shall include a glossary of standard   terms and definitions used on such standard letter.  The  superintendent   shall  publish  and  make  available  such  standard  letter by December   thirty-first,  two  thousand  fifteen  and  thereafter.  Each   college,   vocational  institution,  and  any  other  institution  that  offers  an   approved program as defined in section six hundred one of the  education   law  shall  utilize  the  standard  letter  issued  by the department of   financial services in responding  to  all  undergraduate  financial  aid   applicants for the two thousand sixteen--two thousand seventeen academic   year  and  thereafter.  The  superintendent shall promulgate regulations   implementing this section.
NY Banking L § 9-X-2 (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-X*2 - Fees Based on Inactivity; Notification.

* §  9-x.  Fees based on inactivity; notification. Notwithstanding any   other provision of law or  rule  or  regulation  to  the  contrary,  any   financial  institution  subject  to  the  provisions  of  this  chapter,   including any bank,  trust  company,  savings  bank,  savings  and  loan   association,  credit  union,  mortgage broker, mortgage banker, or other   investment entity, whether headquartered within or  outside  the  state,   which  provides an account to a customer shall provide written notice of   the pending charges to a customer thirty days prior to charging any  fee   based  on  account  inactivity.  Such  notice  shall include a telephone   number  and  full  contact  information  for  a  representative  of  the   financial  institution  responsible for resolving any matter relating to   the fee. A notification by electronic mail  shall  satisfy  the  writing   requirement for the purposes of this section.* NB There are 2 § 9-x's
NY Banking L § 9-Y (2021)
2021 New York Laws BNK - Banking Article 1 - Short Title; Definitions; Miscellaneous Provisions. 9-Y - Banking Institutions to Pay Checks Drawn Therein in Order of Presentation.

* §  9-y. Banking institutions to pay checks drawn therein in order of   presentation. 1. Notwithstanding any law,  rule  or  regulation  to  the   contrary,  every  banking  institution  that  provides consumer checking   accounts shall either pay checks in the order wherein they are  received   or  pay  checks from smallest to largest dollar amount for each business   day's transactions.2. If a check is dishonored  for  insufficient  funds  and  thereafter   smaller  checks  which  could  be  paid are received, the smaller checks   shall be honored within amounts on deposit in the subject account.3. The banking institution shall disclose to consumers in writing  the   order  in  which  checks  are  drawn.  The  written  disclosure shall be   provided to the consumer at the time the account is opened and prior  to   any change in such policy. The superintendent shall promulgate rules and   regulations necessary for the implementation of this section.4.  As  used  in  this  section,  "consumer  checking  accounts" means   accounts established by natural persons primarily for  personal,  family   or household purposes.* NB Effective January 1, 2022
NY Banking L § 10 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 10 - Declaration of Policy.

§ 10. Declaration of policy. It is hereby declared to be the policy of   the  state  of  New  York that the business of all banking organizations   shall be supervised and regulated through the  department  of  financial   services  in such manner as to insure the safe and sound conduct of such   business, to conserve their assets, to prevent  hoarding  of  money,  to   eliminate   unsound  and  destructive  competition  among  such  banking   organizations and thus to maintain public confidence  in  such  business   and  protect  the  public  interest  and  the  interests  of depositors,   creditors, shareholders and stockholders.