reglab/housing_qa huggingface dataset:
NY Banking L § 108-A (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 108-A - Acceptance of United States Currency.

§ 108-a.  Acceptance  of  United  States  currency.  No  bank or trust   company shall impose a fee, commission or service charge  for  accepting   for  deposit  or  exchanging for other United States currency any United   States currency provided that any coins are properly rolled and have the   customer's account number for that bank or trust  company  displayed  on   the  coin roll, provided further that no more than ten rolls of coins in   any denomination are presented for deposit or exchange at any one time.
NY Banking L § 110 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 110 - Surplus Fund; of What Composed, and for What Purposes Used.

§ 110.  Surplus  fund;  of  what composed, and for what purposes used.   Every bank and every trust company shall create a fund to be known as  a   surplus fund. Such fund may be created or increased by contributions, by   transfers  from  undivided profits, or from net profits. Such fund shall   not be available for the payment of dividends,  except  with  the  prior   approval  of  the  superintendent,  and  may  be used to pay expenses or   absorb losses only in the event  such  bank  or  trust  company  has  no   undivided profits against which such expenses or losses may be charged.
NY Banking L § 111 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 111 - Profits; Credits to Surplus Fund and to Undivided Profits.

§ 111.  Profits;  credits to surplus fund and to undivided profits. In   any case where the combined capital stock, surplus  fund  and  undivided   profits  of  a  bank or trust company do not equal ten per centum of its   net deposit liabilities, the superintendent of financial services may in   his or her discretion require such bank or trust company at the close of   each accounting period to credit its surplus fund with a portion of  its   net profits for such period, not to exceed ten per centum thereof, until   its combined capital stock, surplus fund and undivided profits equal ten   per  centum  of  its  net  deposit liabilities. For the purposes of this   section, the term "net deposit liabilities" shall  mean  total  deposits   including  all  amounts  due  to  national  banks, banks, bankers, trust   companies and savings banks, the amounts due on certified and  cashier's   checks,  and  for unpaid dividends less the amounts of balances due from   national banks, banks, bankers, and trust companies and  cash  items  in   process  of  collection  payable  immediately  upon  presentation in the   United States.
NY Banking L § 112 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 112 - Dividends; Payable From Net Profits; Restrictions.

§ 112.  Dividends;  payable  from  net  profits;  restrictions. 1. The   directors of a bank or trust  company  may  annually,  semi-annually  or   quarterly,   but   not   more   frequently   unless  authorized  by  the   superintendent by regulation or otherwise,  declare  such  dividends  as   they  deem  judicious  to be paid from net profits. No dividend shall be   declared, credited or paid so long as there is any impairment of capital   stock. No bank or  trust  company  having  outstanding  preferred  stock   shall,  except  as  otherwise  authorized by the superintendent, declare   dividends upon common stock for any period other than a period for which   dividends are declared upon preferred stock.2. The approval of the superintendent shall be required if  the  total   of  all  dividends  declared  by a bank or trust company in any calendar   year shall exceed the total of its net profits for  that  year  combined   with  its  retained  net  profits  of  the preceding two years, less any   required transfer to surplus  or  a  fund  for  the  retirement  of  any   preferred stock.3. For the purposes of this section, the term "net profits" shall mean   the  remainder  of  all  earnings  from  current  operations plus actual   recoveries on loans and investments and other  assets,  after  deducting   from  the  total  thereof all current operating expenses, actual losses,   accrued dividends on preferred stock, if any, and all federal and  state   taxes.
NY Banking L § 113 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 113 - Change of Location; Change of Designation of Principal Office.

§ 113.  Change of location; change of designation of principal office.   Any bank or  trust  company  may  make  a  written  application  to  the   superintendent,  such  application to be accompanied by an investigation   fee as prescribed pursuant to section eighteen-a of  this  chapter,  for   leave  to  change  its place or one of its places of business to another   place in the state or  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 application shall   state the reasons for such proposed change.Such  change  may  be  made  upon  the   written   approval   of   the   superintendent.    If  the  superintendent  shall  grant his certificate   authorizing the change of location, as provided in article two  of  this   chapter,  the bank or trust company may, upon or after the day specified   in the certificate, remove its property  and  effects  to  the  location   designated therein.
NY Banking L § 114 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 114 - Assessment of Stockholders to Make Good Impairment of Capital Stock; Sale of Stock.

§ 114.  Assessment  of stockholders to make good impairment of capital   stock; sale of stock.Whenever the superintendent shall have made requisition upon any  bank   or  trust  company  pursuant  to  the  provisions of article two of this   chapter to make good the amount of an impairment of its  capital  stock,   the directors of the bank or trust company shall immediately give notice   of  such  requisition  to  each  stockholder  and  of  the amount of the   assessment which he must  pay  for  the  purpose  of  making  good  such   deficiency, by a written or printed notice mailed to such stockholder at   his  last  address  appearing  upon  the  records  of  the bank or trust   company, or served personally upon him. If any stockholder shall  refuse   or  neglect  to pay the assessment specified in such notice within sixty   days from the date thereof, the directors of such bank or trust  company   shall have the right to sell to the highest bidder at public auction the   stock  of  such  stockholder,  after giving previous notice of such sale   once a  week  for  two  successive  weeks  in  a  newspaper  of  general   circulation  in  the  county  where the principal office of such bank or   trust company is located; or such stock may be sold at private sale, and   without such published notice, provided, however, that before  making  a   private  sale  thereof  an offer in writing to purchase such stock shall   first be obtained, and a copy thereof served upon the owner of record of   the stock sought to be sold either personally or by mailing  a  copy  of   such  offer to such owner at his last address appearing upon the records   of the bank or trust company; and if, after service of such offer,  such   owner  shall  still  refuse or neglect to pay such assessment within two   weeks from the time of service of such offer,  the  said  directors  may   accept  such  offer  and sell such stock to the person or persons making   such offer, or to any other person or persons making a larger offer than   the amount named in the offer submitted to such  stockholder;  but  said   stock shall in no event be sold for a smaller sum than the amount of the   assessment  called  for  and  the  necessary costs of sale.   Out of the   avails of the stock sold the directors shall pay the necessary costs  of   sale  and  the amount of the assessment called for thereon. The balance,   if any, shall be paid to the person or persons whose stock has been thus   sold. A sale of stock  as  herein  provided  shall  effect  an  absolute   cancellation  of  the outstanding certificate or certificates evidencing   the stock so sold, and shall render the same null and  void  and  a  new   certificate  or  certificates  shall  be  issued  to  the  purchaser  or   purchasers of said stock.
NY Banking L § 122 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 122 - Examinations of Banks and Trust Companies by Directors; Employment of Assistants.

§ 122.  Examinations  of  banks  and  trust  companies  by  directors;   employment of assistants.  1.   It shall be the duty  of  the  board  of   directors  of  every  bank and every trust company once in each calendar   year to examine, or cause a committee of at least three of  its  members   to  examine,  such  bank or trust company for the purpose of determining   its financial condition and reviewing its investment, loan and audit and   control policies and in such examination particular attention  shall  be   given  to  the  loans  or  discounts  made directly or indirectly to its   officers or directors, or for the benefit of such officers or directors,   or for the benefit of other  corporations  of  which  such  officers  or   directors  are  also  officers  or  directors,  or  in which they have a   beneficial interest as stockholders, creditors, or otherwise,  with  the   special  view  of  ascertaining  their safety and present value, and the   value of the collateral security, if any, held in connection  therewith,   and  to  such  other  matters  as  the  superintendent may require. Such   directors shall have the power to employ such assistants in making  such   examination  as they may deem necessary, and shall employ the assistance   of independent auditors  if  the  superintendent  deems  inadequate  the   internal  auditing  and  control  procedures established by such bank or   trust company. The various offices, departments and phases  of  business   of  any such bank or trust company may be examined as of different dates   during the year.2. With respect to any bank or trust company subject to the provisions   of  section  one  hundred  twelve  of  the  Federal  Deposit   Insurance   Corporation  Act of 1991, as implemented by the provisions of part three   hundred sixty-three of the rules and regulations of the Federal  Deposit   Insurance  Corporation,  as  they  may  be  amended  from  time to time,   compliance  with  such  provisions  shall  be  deemed  to  satisfy   the   examination requirement of this section.
NY Banking L § 123 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 123 - Reports of Directors' Examinations.

§ 123. Reports of directors' examinations.  1.  A report in writing of   any examination made pursuant to the requirements of section one hundred   twenty-two of this article, shall be presented to the board of directors   of  such  bank  or  trust  company  at  their next regular meeting after   completion of such examination, and placed on file in such bank or trust   company,  and  a  duplicate  thereof  filed  in  the   office   of   the   superintendent.  Such  report  shall  contain  such  information  as the   superintendent shall require.2. A report prepared pursuant to part three hundred sixty-three of the   rules and regulations of the Federal Deposit Insurance  Corporation,  as   the  same  may be amended from time to time, may, in the sole discretion   of the  superintendent,  satisfy  the  reporting  requirements  of  this   section.3.  Any report filed in the office of the superintendent shall include   a certificate that such report was presented to the board of  directors,   in the form prescribed by the superintendent.
NY Banking L § 124 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 124 - Communications From Department of Financial Services to Be Submitted to Directors and Noted in Minutes.

§ 124.  Communications  from  department  of  financial services to be   submitted to directors and noted in minutes. Any officer of  a  bank  or   trust  company  who  receives  from  the office of the superintendent an   official communication as defined in article two of this  chapter  shall   submit  such communication to the board of directors at the next meeting   of such board, and such communication shall be duly noted in the minutes   of the meetings of such board.
NY Banking L § 125 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 125 - Reports to Superintendent; Penalty for Failure to Make.

§ 125.  Reports  to  superintendent;  penalty  for failure to make. 1.   Within fifteen days after service upon it of the notice provided for  by   section thirty-seven of this chapter, every bank and every trust company   shall   make  a  written  report  of  its  financial  condition  to  the   superintendent, which report shall be in  such  form  and  contain  such   information as the superintendent of financial services may prescribe.2.  Every  bank  and  every  trust  company shall also make such other   special reports to the superintendent  as  he  may  from  time  to  time   require,  in  such form and at such date as may be prescribed by him and   such reports shall, if required by him, be subscribed  and  affirmed  as   true under the penalties of perjury.3. If any bank or trust company shall fail to make any report required   by  or pursuant to this section, on or before the day designated for the   making thereof, or shall fail to include therein any prescribed  matter,   such  bank  or trust company 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 § 128 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 128 - Preservation of Books and Records.

§ 128.  Preservation  of books and records. Every bank and every trust   company 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 banks and trust companies as fiduciary shall   be preserved in original form.
NY Banking L § 129 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 129 - Requirement of Notice on Withdrawal of Certain Time Deposits; Notice to Superintendent.

§ 129.  Requirement  of notice on withdrawal of certain time deposits;   notice to superintendent. In the event that any bank  or  trust  company   shall  elect to require that thirty or more days' notice be given before   time deposits  payable  only  on  presentation  of  a  passbook  may  be   withdrawn  the bank or trust company shall upon the day such election is   made notify the superintendent thereof by telephone or telegraph.
NY Banking L § 129-A (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 129-A - Requirement of Written Notification; Alternative Payment Schedules.

* §  129-a.  Requirement  of written notification; alternative payment   schedules. In the event that any bank or trust company  shall  permit  a   customer  to  establish  an alternative payment schedule for an existing   loan, the bank or trust company shall provide written notification  that   accepting  such  alternative payment schedule may have a negative impact   on such customer's credit score or rating. Such  notification  shall  be   provided  at  the time a loan application is made, at the time a loan is   granted and at the time a customer requests that an alternative  payment   schedule   be   established   for  a  loan,  but  prior  to  the  actual   establishment of an alternative payment schedule.* NB Effective February 1, 2022
NY Banking L § 132 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 132 - Use of Sign, or Words, Indicating Bank or Trust Company by Unauthorized Persons Prohibited.

§ 132.  Use  of  sign,  or  words, indicating bank or trust company by   unauthorized persons prohibited.No person, except a national  bank,  a  federal  reserve  bank,  or  a   corporation  duly  authorized by the superintendent to transact business   in this state, shall make use of any office sign at the place where such   business is transacted having thereon any artificial or corporate  name,   or  other  words  indicating  that  such place or office is the place of   business or office of a bank or trust company; nor shall any such person   or persons make use of or circulate any  letterheads,  billheads,  blank   forms,  notes,  receipts,  certificates,  circulars,  or  any written or   printed or partly written and  partly  printed  paper  whatever,  having   thereon  any  artificial  or  corporate  name,  or  other word or words,   indicating that such business  is  the  business  of  a  bank  or  trust   company; provided, however, that nothing in this section shall be deemed   to  prevent  a  bank holding company from using any corporate name it is   duly authorized to use under subdivision (b) of  section  three  hundred   two of the business corporation law.
NY Banking L § 133 (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 133 - Use of Banking Institution Name.

§  133.  Use  of  banking institution name. 1. No person shall use the name of a banking institution when advertising, marketing or  soliciting business which is likely to induce, directly or indirectly, the purchase of goods or services, if the reference to such institution is:  (a) without the consent of the banking institution; and  (b)  which  would  cause  a  reasonable  person  to  conclude that the advertising or marketing  material  or  solicitation  either  originated from,  or  is  endorsed  by  or is any other way the responsibility of a banking institution.   2. Nothing in this section shall prohibit the use of or  reference  to the  name of a banking institution in advertising or marketing materials or solicitations, if the use or reference to such institution  does  not deceive or confuse a reasonable person regarding whether the advertising or  marketing  material  or  solicitation  (a)  originated  from, (b) is endorsed by or (c) is in any other way the responsibility of  a  banking institution.   3.  The  department  is  authorized  to enforce the provisions of this section.   4. 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 which has an office  or  branch  in this  state,  or  a  private  banker, safe deposit company or investment company.
NY Banking L § 136-A (2021)
2021 New York Laws BNK - Banking Article 3 - Banks and Trust Companies 136-A - Purchase of Assets of National Banking Association by Bank or Trust Company.

§ 136-a. Purchase of assets of national banking association by bank or   trust  company. 1. A state bank or trust company may acquire, whether by   purchase or otherwise, other than by merger, all or a  substantial  part   of  the  assets  of  a  national  banking association, provided that the   action taken complies with federal law.2. In the case of each such acquisition, a written plan providing  for   the  acquisition  by  the  bank  or  trust  company of the assets of the   national banking association shall be submitted, in  duplicate,  by  the   bank  or trust company to the superintendent. Such plan shall be in form   satisfactory to the superintendent, shall specify the  selling  and  the   acquiring  corporation,  and shall prescribe the terms and conditions of   the acquisition and the mode of carrying it into effect.At the time of submission for action  by  the  superintendent  of  the   written   plan  of  acquisition  of  assets,  an  investigation  fee  as   prescribed pursuant to section eighteen-a of this chapter shall be  paid   to the superintendent.3.  With  such  plan  of  acquisition  of  assets  there shall also be   submitted, in duplicate, to the superintendent the following: (a) by the   national banking association, a certificate of the president,  secretary   or cashier of such association certifying that all steps have been taken   which  are necessary under federal law to the sale of its assets; (b) by   the bank or trust  company,  if  the  assets  of  the  national  banking   association  exceed  ten  per  centum of the assets of the bank or trust   company, a certificate of the president, secretary or cashier certifying   that such plan has been approved  by  the  board  of  directors  of  his   corporation by a majority vote of all the members thereof, and that such   plan was thereafter submitted to the stockholders of such corporation at   a  meeting thereof held upon notice of at least fifteen days, specifying   the time, place, and object  of  such  meeting  and  addressed  to  each   stockholder  at  the address appearing upon the books of the corporation   and published at least once a week  for  two  successive  weeks  in  one   newspaper  in  the  county  in  which  the bank or trust company has its   principal place of business and that such plan has been approved at such   meeting by the vote of stockholders owning at least two-thirds in amount   of the stock of such corporation.4. Nothing contained in this section one hundred thirty-six-a shall be   construed to prohibit any other purchase of assets  which  is  otherwise   permitted by applicable law.