reglab/housing_qa huggingface dataset:
NY Banking L § 14-A (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 14-A - Rate of Interest; Superintendent of Financial Services to Adopt Regulations.

§ 14-a.  Rate  of  interest;  superintendent  of financial services to   adopt regulations. 1. The maximum  rate  of  interest  provided  for  in   section 5-501 of the general obligations law shall be sixteen per centum   per annum.2.  The  rate  of  interest  as so prescribed under this section shall   include as interest any and all amounts paid  or  payable,  directly  or   indirectly,  by  any  person,  to  or  for  the account of the lender in   consideration for the making of a loan or forbearance as defined by  the   superintendent pursuant to subdivision three of this section.3.  The  superintendent shall have the power to adopt such regulations   as the superintendent shall deem necessary or proper  to  implement  the   provisions  of  this section. The superintendent shall make available to   the public copies of all regulations adopted pursuant to this section.4. Such regulations  as  shall  have  been  adopted  pursuant  to  the   provisions  of  this  chapter  and  in  effect  immediately prior to the   effective date of this section, shall continue in effect until such time   as new regulations shall have been adopted  by  the  superintendent  and   shall become effective.5.  Whenever  reference  is  made in this chapter or in any other law,   contract or document to  the  rate  of  interest  prescribed  or  to  be   prescribed  by the superintendent pursuant to this section or any former   section fourteen-a of this chapter, such reference  shall  be  deemed  a   reference  to the rate of interest prescribed in subdivision one of this   section.6. Notwithstanding the provisions of subdivision five of this section,   the rate  of  interest  charged,  taken  or  received  on  any  loan  or   forbearance,  which  would have otherwise been subject to the provisions   of former section fourteen-a of  this  chapter,  made  or  entered  into   between  the  effective  date  of  this  section  and  the  first day of   February, nineteen hundred eighty-one pursuant to a commitment which was   made or entered into prior to the effective date of United States Public   Law 96-161 and which provides for interest at the prevailing rate at the   time of closing shall not exceed the rate of eleven and one-quarter  per   centum per annum.7.  Nothing  contained  in  this section nor in any other provision of   this act whereunder this section is added to the banking  law  shall  be   deemed  to  prohibit  the  charging of interest at the rates provided or   permitted by United States Public Laws 96-161, 96-221 and 96-399,  where   applicable.
NY Banking L § 14-C (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 14-C - Power of the Superintendent of Financial Services to Prescribe Criteria for Disclosure of Information on Savings and Time Accounts.

§ 14-c. Power of the superintendent of financial services to prescribe criteria  for disclosure of information on savings and time accounts. 1. The superintendent of financial  services  shall  promulgate  rules  and regulations with respect to the disclosure of information on savings and time  accounts by all banking organizations and out-of-state state banks authorized to operate and maintain branches pursuant to  article  five-C of  this  chapter. Such rules and regulations shall set forth guidelines for, but not be limited to the following:  (a) disclosure of the annual rate of simple  interest;  the  effective annual yield; the formula used in calculating interest; the frequency of compounding and crediting of interest; date on which a deposit begins to earn  interest;  any  delay  in  crediting a deposited instrument; grace periods for deposits and withdrawals; the minimum  balance  required  to earn  interest;  the method of determining the balance on which interest is paid; the minimum length of time funds must remain on deposit to earn interest; any fees levied on inactive accounts; any  charges,  penalties or  other  conditions  imposed  upon  withdrawals; any penalties for the closing of an account before  a  specific  date;  and  any  other  fees, charges or penalties.  (b) form, content and distribution of information.   2.  The  superintendent of financial services may alter or amend rules and regulations or promulgate additional rules and regulations as he  or she   deems  necessary  and  proper  to  effectuate  the  provisions  of subdivision one.
NY Banking L § 14-E (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 14-E - Power of the Superintendent to Authorize the Operation of Savings Banks and Savings and Loan Associations in Stock Form.

§ 14-e.  Power  of  the  superintendent  to authorize the operation of savings banks and savings and loan associations in stock form.   1. Notwithstanding any other provision of law  to  the  contrary,  the superintendent is authorized to promulgate such rules and regulations as shall facilitate:  (a)  The  organization  and  operation of stock-form savings banks and stock-form savings and loan associations,  (b) The conversion of  mutual  savings  banks  and  savings  and  loan associations to stock form, and  (c) Mergers and acquisitions of assets or of capital stock between and among  all  of  the foregoing banking institutions and between and among such institutions and any other banking institution.   The  superintendent  is  authorized  to  define  and   implement,   by regulation,  the  terms and provisions of this section. In adopting such regulations, the superintendent shall take into account the  declaration of  policy contained in section one of a chapter of the laws of nineteen hundred eighty-four entitled "An  Act  to  amend  the  banking  law,  in relation  to  the  organization  and incorporation of stock-form savings banks and stock-form savings and loan associations and the conversion of mutual savings banks and mutual savings and loan associations  to  stock form".    In  connection  with  such  regulations, the superintendent is empowered to apply to such stock-form  organizations  any  provision  of this  chapter,  in whole or in part, as shall be applicable to any other stock-form banking organization and to vary any  condition,  requirement or  provision  of  this  article  or  article fifteen or sixteen of this chapter.   2.  Such  applications  as  the  superintendent  may  prescribe  under paragraph  (a), (b) or (c) of subdivision one of this section shall each be accompanied by an investigation fee as prescribed pursuant to section eighteen-a of this article.   3.  Without  limiting  the  foregoing,  the  superintendent,  if   the superintendent   shall   determine   that   unusual   and  extraordinary circumstances exist, shall be authorized, by resolution  or  regulation, to  apply or to deem inapplicable to any banking institution referred to in subdivision one of this section, such provisions of this  chapter  in whole  or  in  part, as it shall find appropriate in connection with the organization, operation, conversion, merger  or  any  other  transaction involving  a  stock-form  savings  bank  or  stock-form savings and loan association, provided, however, that such actions are  in  harmony  with the spirit of the law and are necessary because of the existence of such circumstances.
NY Banking L § 18 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 18 - Fees for Copies and Certifications.

§ 18.   Fees   for  copies  and  certifications.  Notwithstanding  any   provision of this chapter to the contrary, for every copy of  any  paper   filed   in  the  department  and  for  the  certification  thereof,  the   superintendent  may  charge  such   amounts   by   regulation   as   the   superintendent,  in  his  or  her  discretion, determines to be fair and   reasonable.
NY Banking L § 19 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 19 - Assessments for Deficiency in Reserves Against Deposits.

§ 19. Assessments for deficiency in reserves against deposits.  If any banking  organization  or  branch of a foreign banking corporation shall not maintain the total  reserves  prescribed  by  or  pursuant  to  this chapter,  the  superintendent  may  levy  an assessment upon it for such period as any deficiency in its total  reserves  amounting  to  one  per centum or more of its deposits against which reserves are required to be maintained shall continue, at rates not in excess of the following:  (1)  Six  per  centum per annum upon any such deficiency not exceeding two per centum of such deposits.  (2) Eight per centum per  annum  upon  any  additional  deficiency  in excess of two and not exceeding three per centum of such deposits.  (3)  Ten per centum per annum upon any additional deficiency in excess of three and not exceeding four per centum of such deposits.  (4) Twelve  per  centum  per  annum  upon  any  additional  deficiency therein.
NY Banking L § 20 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 20 - Assessments, Penalties and Forfeitures Entitled to Priority.

§ 20.  Assessments, penalties and forfeitures entitled to priority. In   case of the insolvency or voluntary or involuntary  liquidation  of  any   person  or  entity  licensed,  registered,  or incorporated or otherwise   formed pursuant to this chapter, all unpaid  charges  lawfully  assessed   against  such  person  or  entity  by  the superintendent and all unpaid   penalties and forfeitures incurred by such person or  entity  under  any   section  of  this  chapter shall be entitled to priority of payment from   such person's or entity's assets on an equality with any other  priority   given by this chapter.
NY Banking L § 21 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 21 - Collection of Assessments, Penalties and Forfeitures; Proceedings by Attorney General.

§   21.   Collection   of   assessments,  penalties  and  forfeitures;   proceedings by attorney general. 1. When the superintendent, pursuant to   the powers conferred on him or her by  this  article,  shall  have  duly   levied  any  assessment  and  shall  have  given due notification of the   amount thereof, the amount so assessed shall become a liability of,  and   shall  be  paid  to the superintendent by any person or entity licensed,   registered, or incorporated or otherwise formed pursuant to this chapter   upon which it was levied.2. If any person or entity licensed, registered,  or  incorporated  or   otherwise  formed  pursuant  to  this  chapter  shall not pay, after due   notice, any such assessment or any penalty or forfeiture incurred  under   any  section  of  this  chapter,  the  superintendent may, in his or her   discretion, apply in payment thereof, with interest at the  legal  rate,   so  much  as  may be necessary of the interest accruing on any stocks or   bonds deposited with him or her  by  such  person  or  entity  licensed,   registered, or incorporated or otherwise formed pursuant to this chapter   pursuant to any requirement of this chapter.3.  The  superintendent  may,  in his or her discretion, report to the   attorney general any failure to make such payments or the failure of any   officer,  director,  trustee,  or  employee  of  any  person  or  entity   licensed,  registered,  or  incorporated or otherwise formed pursuant to   this chapter, after  due  notice,  to  pay  any  penalty  or  forfeiture   incurred  by  him  or  her  under  any provision of this chapter, or any   violation by any corporation, unincorporated  association,  partnership,   individual,  or  any other entity, of any provision of this chapter. The   attorney general shall thereupon, in the name of the superintendent,  or   of  the people of the state, institute such action or proceedings as the   facts may warrant.4. The provisions of this section shall  be  applicable  to  any  bank   holding  company,  as  that  term  is defined in article three-A of this   chapter.
NY Banking L § 23 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 23 - Acceptance or Rejection of Certificate; Investigation Fees.

§ 23.  Acceptance  or  rejection  of  certificate; investigation fees.   Within twenty days after  the  receipt  by  the  superintendent  of  any   organization certificate of a corporation proposed to be organized under   this  chapter,  or  any  private banker's certificate together with such   documents as are required to  be  filed  therewith,  the  superintendent   shall,  if  such  certificate  and such accompanying documents comply in   form and substance with the requirements  of  this  chapter,  file  such   certificate for examination and note thereon the date of such filing. If   such  certificate  or  such  accompanying documents do not comply in all   respects with the  requirements  of  this  chapter,  the  superintendent   shall,  within  twenty  days  after  receipt thereof, return them to the   persons from whom they were received, calling attention to the defect or   defects therein.At  the  time  of  submission  of  the  certificate  and  accompanying   documents  an  investigation  fee  as  prescribed  pursuant  to  section   eighteen-a of this article shall be paid to the  superintendent,  to  be   retained by him or her if the certificate and accompanying documents are   filed.  If  the  certificate  and  accompanying  documents are not filed   because of defects therein, the investigation fee is to be returned with   such papers to the persons from whom they were received.
NY Banking L § 25-A (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 25-A - Authority of Superintendent to File Organization Certificate and Issue Authorization Certificate Under Certain Conditions.

* § 25-a. Authority of superintendent to file organization certificate   and   issue  authorization  certificate  under  certain  conditions.  1.   Notwithstanding  any  other  provision  of  law  to  the  contrary,  the   superintendent  is  authorized  to  file  and  approve  the organization   certificate of a bank or trust company and  to  issue  an  authorization   certificate  to  such  bank  or  trust  company  in  accordance with the   provisions of subdivision two of this section.2. If the superintendent, after taking possession of the business  and   property of any banking organization pursuant to section six hundred six   of this chapter, shall find that it is in the public interest for all or   a  substantial  part  of  the  business  or  property  of  such  banking   organization to be acquired by a bank or trust company to  be  organized   for  such  purpose,  he  may forthwith file and approve the organization   certificate of, and issue an authorization certificate to, such bank  or   trust  company  and  in  connection  therewith  may waive any condition,   requirement or provision of articles two,  three  and  fifteen  of  this   chapter,  provided,  however, that the superintendent shall be empowered   to impose such terms and conditions, if any,  on  the  exercise  of  any   authority  granted  to  any  such  bank  or trust company as he may deem   appropriate to effectuate the declaration of policy contained in section   ten of this article.* NB Expired March 31, 1982
NY Banking L § 26 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 26 - Licenses to Foreign Banking Corporations; Renewal.

§ 26.  Licenses to foreign banking corporations; renewal. Upon receipt   of an application in proper form of any foreign banking corporation  for   leave  to do business in this state under the provisions of article five   of this chapter, the superintendent, if  he  or  she  shall  find  after   investigation  and  examination  of  what he or she deems to be the best   sources of information that the character,  responsibility  and  general   fitness  of  the person or persons named in such application are such as   to command confidence and warrant  belief  that  the  business  of  such   foreign  banking  corporation will be honestly and efficiently conducted   in accordance with the intent and purpose of this chapter and  that  the   public  convenience  and  advantage  will  be  promoted by granting such   foreign banking corporation leave to do business in  this  state,  shall   execute  and  issue  a license under the official seal of the department   authorizing such applicant to  carry  on  such  business  at  the  place   designated  in the license. Such license shall be executed in triplicate   and the superintendent shall cause one copy to  be  transmitted  to  the   applicant,  another  to be filed in the office of the department and the   third to be filed in the office of the clerk of the county in which  the   place  of  business  designated  in  such  license is located. A license   issued to such foreign banking  corporation  pursuant  to  this  section   shall remain in full force and effect until surrendered or revoked.
NY Banking L § 27 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 27 - Exchange and Examination of Securities.

§ 27.  Exchange  and  examination  of  securities. 1. Any corporation,   unincorporated association, partnership or individual which  shall  have   deposited  with  the  superintendent  in  trust  any  stocks or bonds in   pursuance of any requirement of this chapter, may be  permitted  by  the   superintendent,  so  long  as it shall continue business in the ordinary   course, from time to time to withdraw any of such stocks or  bonds  upon   depositing  with the superintendent other stocks or bonds of the kind it   is required by this chapter to deposit with him and if the value of  the   stocks  or  bonds  so  held  by  the  superintendent  exceeds the amount   required by this chapter to be so deposited,  the  stocks  or  bonds  in   excess  of  such  amount  may  be withdrawn without depositing others in   exchange therefor.2. Any such corporation, unincorporated  association,  partnership  or   individual may, at any time during ordinary business hours, examine such   stocks  or  bonds  and  compare them with the record on the books of the   department. Unless it shall deliver to the superintendent at least  once   in  each calendar year, a statement listing such stocks or bonds and the   amounts thereof, and stating that they are in the custody and possession   of  the  superintendent  at  the  date  of  the  statement,  the   state   comptroller  and  the  superintendent  shall  appoint  some suitable and   discreet  person  as  agent   for   such   corporation,   unincorporated   association, partnership or individual, who shall make an examination of   such  stocks or bonds. If such agent finds that the stocks or bonds held   by the superintendent agree with the records thereof on the books of the   department, he shall execute a statement in the form above described and   transmit a copy thereof to the corporation, unincorporated  association,   partnership  or  individual  in  behalf  of  which  it is made, and such   statement shall have the same force and effect as if  executed  by  such   corporation,  unincorporated  association,  partnership  or  individual.   Compensation for the services and expenses of such agent in making  such   examination shall be paid as a general expense of the department.
NY Banking L § 28 (2021)
2021 New York Laws BNK - Banking Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers 28 - Change of Location; Change of Designation of Principal Office; Approval or Refusal; Certificate.

§ 28.  Change  of location; change of designation of principal office;   approval or refusal; certificate. Upon receipt by the superintendent  of   a  written  application  in proper form from any banking organization or   foreign corporation for leave to change its place or one of  its  places   of  business to another place or from any banking organization for leave   to change the designation of its principal office to a branch office and   to change the designation of one of its branch offices to its  principal   office,  the  superintendent shall, if he or she shall be satisfied that   such change may be permitted under the terms of this  chapter  and  that   there  is  no  reasonable  objection to such change, execute and issue a   certificate under the official seal of the department  authorizing  such   change  and  specifying  the  date  on or after which such change may be   made, and shall cause the original of such certificate to be transmitted   to the applicant, a copy to be filed in the office of the department and   a copy to be filed in the office of the clerk of the county in which the   principal office of the applicant  is  located,  provided  that  if  the   proposed  principal  office  is in a different county than the county in   which the principal office is located at the time of the filing  of  the   application,  the  superintendent  shall cause copies to be filed in the   offices of the clerks of both counties. If the superintendent  shall  be   satisfied in any case that such change is undesirable or inexpedient, he   or  she  shall  refuse such application and notify the applicant of such   determination.