reglab/housing_qa huggingface dataset:
NY Banking L § 329 (2021)
2021 New York Laws BNK - Banking Article 8 - Safe Deposit Companies. 329 - Reports to Superintendent; Penalty for Failure to Make.

§ 329.  Reports  to superintendent; penalty for failure to make. On or   before the first day of  February  in  each  year,  every  safe  deposit   company  shall  make a written report to the superintendent of financial   services which shall contain a statement of its condition on the morning   of the first day of January in said year. Every  such  report  shall  be   subscribed  and  affirmed  as  true  under  the  penalties  of  perjury,   according to the  best  of  their  knowledge  and  belief,  by  the  two   principal  officers in charge of the affairs of the safe deposit company   at the time of such subscription and shall state that the usual business   of the safe deposit company has been transacted at the location required   by this article and not elsewhere.Every safe deposit company shall also make such other special  reports   to  the  superintendent as he may from time to time require, which shall   be in such form and filed at such date  as  may  be  prescribed  by  the   superintendent and shall, if required by him, be subscribed and affirmed   as true under the penalties of perjury.If  any safe deposit company shall fail to make any report required by   this section on or before the day designated for the making thereof,  or   shall fail to include therein any matter required by the superintendent,   it  shall  forfeit  to  the  people of the state an amount as determined   pursuant to section forty-four-a of this chapter for every day that such   report shall be delayed or withheld, and for every  day  that  it  shall   fail  to  report any such omitted matter, unless the time therefor shall   have been extended by the superintendent as provided in article  two  of   this chapter.
NY Banking L § 330 (2021)
2021 New York Laws BNK - Banking Article 8 - Safe Deposit Companies. 330 - Liability of Safe Deposit Company for Assessments by Superintendent.

§ 330.   Liability   of   safe  deposit  company  for  assessments  by   superintendent.  When  the  superintendent,  pursuant  to   the   powers   conferred  on  him by article two of this chapter, shall have levied any   assessment upon any safe deposit company and shall  have  duly  notified   such  safe deposit company of the amount thereof, the amount so assessed   shall become a liability of and shall  be  paid  by  such  safe  deposit   company to the superintendent.
NY Banking L § 332 (2021)
2021 New York Laws BNK - Banking Article 8-A - Safe Deposit Business 332 - Definitions.

§ 332.  Definitions. As used in this article, the following terms have   the following meanings:1. Lessor. The term, "lessor" means a  banking  organization,  foreign   banking  corporation  or  a  national  banking association authorized to   engage in the safe deposit business.2. Safe deposit box. The term, "safe deposit box" means a vault,  safe   deposit box or other receptacle.
NY Banking L § 333 (2021)
2021 New York Laws BNK - Banking Article 8-A - Safe Deposit Business 333 - Access to Safe Deposit Boxes by Certain Fiduciaries.

§ 333.  Access  to safe deposit boxes by certain fiduciaries.  Where a   safe deposit box is let by a lessor to one or  more  persons  acting  as   executors,  administrators,  trustees,  guardians,  a  committee,  or as   conservators, the lessor may, except as otherwise expressly provided  by   the  terms  of  the lease or by the will or other instrument or order or   decree under which such person or persons may be  acting,  allow  access   thereto as follows:1.  By  any  one  or  more  of  the  persons  acting  as  executors or   administrators;2. By any one or more of the persons acting as trustees, guardians,  a   committee,  or  as conservators when authorized in writing signed by the   other person or all other persons so acting.3. By any agent, authorized in a writing signed and duly  acknowledged   by  the  person,  or  if  more  than  one,  by all the persons acting as   executors, administrators, trustees or guardians,  a  committee,  or  as   conservators.
NY Banking L § 334 (2021)
2021 New York Laws BNK - Banking Article 8-A - Safe Deposit Business 334 - Leases to Minors.

§ 334.  Leases  to  minors.  A  lessor may let a safe deposit box to a   minor with the same effect as if such lessee were of full age  and  with   the  same  effect  may  allow access to such safe deposit box and to the   contents thereof to such lessee or to any deputy or agent  appointed  in   writing by such lessee.
NY Banking L § 336 (2021)
2021 New York Laws BNK - Banking Article 8-A - Safe Deposit Business 336 - Special Remedies Where Property Is Deposited.

§ 336.  Special remedies where property is deposited. 1. Every banking   organization,  foreign   banking   corporation   or   national   banking   association  authorized  to  receive  personal property upon deposit for   safe-keeping or as bailee for storage, and which shall have received any   such property and shall have issued a receipt therefor, shall  have  the   remedies  of  a  warehouseman  as  to  such  property,  and  the banking   organization,  foreign   banking   corporation   or   national   banking   association  shall  have a lien on such deposits or the proceeds thereof   to the same extent and with the same effect, and enforceable in the same   manner, as is provided by article seven of the uniform commercial code.2. A banking organization, foreign  banking  corporation  or  national   banking  association  holding personal property upon deposit for which a   receipt was issued by a predecessor in interest may  have  the  remedies   provided by this section.3.  The provisions of this section shall not preclude any other remedy   by action or otherwise for the enforcement of the claim of  the  banking   organization,   foreign   banking   corporation   or   national  banking   association against the person from  whom  personal  property  has  been   received  upon  deposit  and  to  whom  a receipt shall have been issued   therefor, nor bar the right of the banking organization, foreign banking   corporation or national banking association to recover the debt  due  it   in any other lawful manner.
NY Banking L § 337 (2021)
2021 New York Laws BNK - Banking Article 8-A - Safe Deposit Business 337 - Sale of Safe Deposit Business.

§ 337.  Sale  of  safe  deposit business. Subject to the provisions of   subdivision eight of section six hundred five  of  article  thirteen  of   this  chapter,  any  banking organization or foreign banking corporation   may, with the approval of the superintendent, sell  to  another  banking   organization,   foreign   banking   corporation   or   national  banking   association authorized to conduct the business of renting  safe  deposit   boxes,  all  or any part of its safe deposit business, and upon at least   thirty days notice in writing to the lessees of the safe  deposit  boxes   so  sold,  such safe deposit boxes may be delivered to the possession of   such purchasing banking organization,  foreign  banking  corporation  or   national  banking  association  and thereupon, except for claims against   the selling banking organization or foreign banking corporation asserted   in writing prior to such delivery, the obligations  and  rights  of  the   selling  banking  organization  or  foreign banking corporation upon the   leases relating thereto shall be deemed to be assumed by the  purchasing   banking  organization,  foreign  banking corporation or national banking   association  as  a  successor  in  interest  of  the   selling   banking   organization  or  foreign  banking  corporation  and the selling banking   organization or foreign banking corporation  shall  be  discharged  from   liability  in  respect thereof.   Any lessee of a safe deposit box, upon   receipt of a notice in writing of the proposed sale of such safe deposit   box by a  banking  organization  or  foreign  banking  corporation,  may   terminate  his  lease  therefor  by  removing the contents therefrom and   surrendering such safe  deposit  box  to  the  banking  organization  or   foreign  banking  corporation prior to the date fixed in such notice for   the delivery  of  such  safe  deposit  box  to  the  purchasing  banking   organization,   foreign   banking   corporation   or   national  banking   association and thereupon such lessee shall be entitled to a  refund  of   the  unearned  rent,  if any, paid by such lessee to the selling banking   organization or foreign banking corporation.
NY Banking L § 338 (2021)
2021 New York Laws BNK - Banking Article 8-A - Safe Deposit Business 338 - Notice to Renters of Safe Deposit Boxes Regarding Insurance.

§ 338. Notice to renters of safe deposit boxes regarding insurance. 1.   Any  banking  organization  or  safe  deposit  company which offers safe   deposit boxes for rent shall provide each customer at the time of rental   with a copy of a safe deposit box rental agreement. Such agreement shall   include, on its face, or on an attachment thereto a notice in  at  least   eight point bold type reading as follows:Important  Notice:  (1)  The contents of your safe deposit boxmay not be fully protected against loss  under  the  insurancecoverage  maintained  by the bank or safe deposit company. (2)For your protection, you may wish to secure your own insurancethrough an insurance company of your choice.  (3)  You  shouldkeep a complete list and description of all property stored inyour safe deposit box, and any available proof of ownership.2.  The  notice  required  under subdivision one of this section shall   also appear on all subsequent rental bills or attachments thereto.
NY Banking L § 340 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 340 - Doing Business Without License Prohibited.

§ 340.  Doing  business without license prohibited. No person or other   entity shall engage in the business of making  loans  in  the  principal   amount  of  twenty-five  thousand  dollars  or  less  for any loan to an   individual for personal, family, household, or investment  purposes  and   in a principal amount of fifty thousand dollars or less for business and   commercial loans, and charge, contract for, or receive a greater rate of   interest  than the lender would be permitted by law to charge if he were   not a licensee hereunder  except  as  authorized  by  this  article  and   without first obtaining a license from the superintendent.For  the  purposes  of  this  section,  a  person  or  entity shall be   considered as engaging in the business of making loans in New York,  and   subject  to  the licensing and other requirements of this article, if it   solicits loans in the amounts prescribed by  this  section  within  this   state  and,  in  connection  with  such  solicitation,  makes  loans  to   individuals then resident in this state, except that no person or entity   shall be considered as engaging in the business of making loans in  this   state  on  the  basis of isolated, incidental or occasional transactions   which otherwise meet the requirements of this section.Nothing in this  article  shall  apply  to  licensed  collateral  loan   brokers.
NY Banking L § 342 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 342 - Conditions Precedent to Issuing License; Procedure Where Application Denied.

§ 342.  Conditions  precedent  to  issuing  license;  procedure  where   application denied. Upon the filing of such application and the  payment   of  such  fees,  if  the  superintendent  shall  find that the financial   responsibility,  experience,  character,  and  general  fitness  of  the   applicant,  and of the members thereof if the applicant be a partnership   or association, and  of  the  officers  and  directors  thereof  if  the   applicant be a corporation, are such as to command the confidence of the   community  and  to  warrant  belief  that  the business will be operated   honestly, fairly, and efficiently within the purposes of  this  article,   and  if  the  superintendent shall find that the applicant has available   for the operation of such business at  each  specified  location  liquid   assets  of  at  least  fifty  thousand dollars, the superintendent shall   thereupon execute a master  license,  and  if  applicable  one  or  more   supplemental  licenses,  to make loans in accordance with the provisions   of this article at the location  or  locations  specified  in  the  said   application.  The superintendent shall transmit one copy of such license   or licenses to the applicant and file the same  in  the  office  of  the   department.  Each  such  license  shall  remain in full force and effect   until it is surrendered by the  licensee  or  revoked  or  suspended  as   hereinafter  provided; if the superintendent shall not so find, a master   license shall not be issued and  the  superintendent  shall  notify  the   applicant  of  the  denial. If an application is denied or withdrawn the   superintendent shall return  to  the  applicant  the  sum  paid  by  the   applicant as a license fee, retaining the investigation fee to cover the   costs of investigating the application. The superintendent shall approve   or  deny  every application for a master license hereunder within ninety   days from the filing thereof with the said fees.
NY Banking L § 343 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 343 - License Provisions; Separate License for Each Place of Business; Change of Location.

§ 343.   License  provisions;  separate  license  for  each  place  of business; change of location. 1. A license shall state  the  address  at which  the business is to be conducted and shall state fully the name of the licensee, and if the licensee is a partnership or  association,  the names  of  the members thereof, and if a corporation, the date and place of its incorporation. A  master  license  shall  be  kept  conspicuously posted  in  the  principal  place  of  business  of  the  licensee and a supplemental license shall  be  conspicuously  posted  at  the  location identified  in  the  license. No master or supplemental license shall be transferable or assignable.   2. A separate license shall be required for each location at  which  a licensee   makes  loans  under  the  provisions  of  this  article.  The superintendent may issue more than one license to the same licensee. For each new license, the licensee shall comply with  all  the  requirements for obtaining a license as stated in this article.   3.  (a)  A  licensee  may  change  the  location  of a licensed lender business by giving written notice to the superintendent at least  thirty days  prior to such change. The licensee shall pay to the superintendent a fee as prescribed pursuant to section eighteen-a of this  chapter  for each  change  of location and shall provide any information which may be required regarding the change of location.  (b) The superintendent shall, if satisfied that there is no reasonable objection to such change of location  and  upon  the  surrender  of  the license  for  the  location  which  is  being  changed,  issue a license containing the information required by subdivision one of this  section. If  the  superintendent  shall  not  be satisfied that such change is in accordance with the purposes of this article, the  superintendent  shall refuse   such  change  of  location  and  notify  the  licensee  of  the determination.
NY Banking L § 348 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 348 - Superintendent Authorized to Examine.

§ 348.  Superintendent  authorized  to  examine.  For  the  purpose of   discovering violations of this article or securing information  lawfully   required  hereunder, 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 loans and business and examine the   books, accounts, records, and files used therein of every licensee.  For   that purpose the  superintendent  and  duly  designated  representatives   shall  have  free  access  to  the offices and place 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  whomsoever  whose   testimony may be required relative to such loans or such business.
NY Banking L § 349 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 349 - Licensee's Books and Records; Reports.

§ 349.  Licensee's books and records; reports. The licensee shall keep   and use in its business such books, accounts, and records as will enable   the superintendent to determine whether such licensee is complying  with   the  provisions  of  this  article  and  with  the rules and regulations   lawfully made by the  superintendent  hereunder.  Every  licensee  shall   preserve  such books, accounts, and records, including cards used in the   card system, if any, for at least two years after making the final entry   on any loan recorded therein.  Preservation of photographic reproduction   thereof or records in  photographic  form,  including  an  optical  disk   storage  system and the use of electronic data processing equipment that   provides comparable records to those otherwise required  and  which  are   available  for examination upon request shall constitute compliance with   the requirements of this section.Each licensee shall annually on or before the first day of April  file   a  report  with  the  superintendent  giving  such  information  as  the   superintendent may require concerning the business and operations during   the preceding calendar year of each licensed place of business conducted   by such licensee within the state under authority of this article.  Such   report  shall  be  subscribed and affirmed as true by the licensee under   the penalties of perjury and shall be in  the  form  prescribed  by  the   superintendent  who  shall  make  and  publish  annually  a consolidated   statement of condition showing the combined assets  and  liabilities  of   all  licensed lenders. Such consolidated statement of condition shall be   based upon the information contained in such  reports.  In  addition  to   annual  reports,  the superintendent may require such additional regular   or special reports as may be deemed necessary to the proper  supervision   of licensees under this article. Such additional reports shall be in the   form  prescribed  by  the  superintendent  and  shall  be subscribed and   affirmed as true under the penalties of perjury.
NY Banking L § 350 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 350 - Restrictions Concerning Advertising, Liens on Real Estate, and Places Where Loans Made.

§ 350.  Restrictions concerning advertising, liens on real estate, and places where loans made. 1.  (a)  No  licensee  or  other  entity  shall advertise, print, display, publish, distribute, or broadcast or cause or permit  to be advertised, printed, displayed, published, distributed, or broadcasted, in any manner whatsoever any  statement  or  representation with regard to the rates, terms, or conditions for the loaning of money, credit,  goods,  or  things  in  action  which  is  false, misleading or deceptive, or in violation of chapter  three  of  the  act  of  congress entitled  "Truth in Lending Act" and the regulations thereunder, as such act and regulations may from time to time be amended.  (b) No licensee shall make,  directly  or  indirectly,  orally  or  in writing,  by  any method, practice or device, any representation that it is licensed under  this  chapter,  except  a  representation  that  such licensee  is  licensed  as  a  licensed  lender  by  the  New York state department of financial services.   2. No licensee shall take a lien upon real estate as security for  any loan  under  the  provisions  of  this  article,  except such lien as is created by law upon the recording of a judgment.   3. No licensee shall conduct the business of making  loans  under  the provisions of this article within any office, room, or place of business in  which  any  other  business  is  solicited  or  engaged  in,  or  in association or conjunction therewith, except (a) a licensee  may,  after obtaining  any  required  license,  conduct  on  its premises businesses authorized under articles eleven-B, twelve-B, twelve-D and thirteen-B of this  chapter,  or  (b)  as  may  be  authorized  in  writing   by   the superintendent  upon a finding that such other business would not result in evasions of this article or of the  rules  and  regulations  lawfully made hereunder.   4.  No licensee shall transact such business or make any loan provided for by this article under any other  name  or  at  any  other  place  of business  than that named in the license, except as may be authorized by the superintendent.
NY Banking L § 353 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 353 - Limitation on Licensee's Charges on Certain Loans.

§ 353.  Limitation on licensee's charges on certain loans. No licensee   shall directly or  indirectly  charge,  contract  for,  or  receive  any   interest,  discount, or consideration upon the loan, use, or forbearance   of money, goods, or things in action, or upon the loan, use, or sale  of   credit,  of  the  amount  or  value  of  more  than  the maximum amounts   prescribed in section three hundred forty of this article  greater  than   the  rate permitted by section 5-501 of the general obligations law. The   foregoing prohibition shall also apply to any licensee which permits any   person, as borrower  or  as  endorser,  guarantor,  or  surety  for  any   borrower  or  otherwise,  to owe directly or contingently or both to the   licensee at any time more than the maximum amounts prescribed in section   three hundred forty of this article.
NY Banking L § 354 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 354 - Restrictions on Assignments of Compensation for Services.

§ 354.  Restrictions on assignments of compensation for services. 1. A licensee shall not  take  an  assignment  of  unearned  wages  or  other earnings unless:  (a)  the  assignment  by  its  terms  is  revocable at the will of the borrower; or  (b) the assignment is a payroll deduction plan.   2. No assignment of wages or other earnings given to secure  any  loan hereunder  shall  be valid unless the amount of such loan is paid to the borrower simultaneously with its execution.
NY Banking L § 355 (2021)
2021 New York Laws BNK - Banking Article 9 - Licensed Lenders 355 - Solicitation of Loans.

§ 355.  Solicitation  of  loans.  1.  Any  loan  made  by a person not   licensed under this article to a resident of this state, in the  amount,   not  exceeding  the  maximum amounts prescribed in section three hundred   forty of this article, where solicitation of the loan  was  made  within   this  state,  and  where  the interest, discount, consideration or other   charge contracted for or received exceeds that permitted to  a  licensee   under the laws of this state shall be void, and the lender shall have no   right   to   collect  or  receive  any  principal,  interest  or  charge   whatsoever. No action to enforce  a  loan  made  in  violation  of  this   subdivision  may  be  maintained,  even though the amount demanded to be   paid in such action does not exceed that permitted to a  licensee  under   the laws of this state.2.  For purposes of this article, solicitation of a loan shall include   any solicitation, request or inducement to enter into  a  loan  made  by   means  of  or through a direct mailing, television or radio announcement   or advertisement, advertisement in a  newspaper,  magazine,  leaflet  or   pamphlet  distributed  within  this state, or visual display within this   state,  whether  or  not  such  solicitation,  request   or   inducement   constitutes an offer to enter into a contract.