reglab/housing_qa huggingface dataset:
WY Stat § 13-1-402 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 1 - General Provisions|Article 4 - Checking Accounts Disclosures|Section 13-1-402 - Disclosure of Date When Account Opened; Exception; Penalty.

13-1-402. Disclosure of date when account opened; exception; penalty.| (a) All checks, drafts or similar negotiable or nonnegotiable instruments or orders of withdrawal which are drawn against funds held by a financial institution located in Wyoming in a consumer deposit account shall, for a period of not less than twelve (12) months, clearly display on the face thereof the month and year in which the account was opened. This section does not apply to temporary checks, drafts or similar negotiable or nonnegotiable instruments or orders of withdrawal, or to a consumer deposit account where the applicant either demonstrates through the production of monthly statements or represents in a writing, certified under sworn oath or affirmation, that for twelve (12) months immediately preceding his application he has had an account at the same or another financial institution. A written representation made to avoid this section is subject to W.S. 6-5-303.  (b) No liability or penalty shall be imposed on any depositor, financial institution or printer for an unintentional failure to comply with this section.
WY Stat § 13-1-501 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 1 - General Provisions|Article 5 - Remote Electronic Banking Facilities|Section 13-1-501 - Definitions.

13-1-501. Definitions.| (a) As used in this article:  (i) "Wyoming financial institution" means any bank, savings and loan association or trust company chartered or organized under the laws of Wyoming;  (ii) "Financial institution" means any bank, savings and loan association, trust company or credit union chartered or organized under the laws of any state other than Wyoming or chartered or organized under the laws of the United States;  (iii) Repealed By Laws 1999, ch. 42, § 3.  (iv) "Person" means an individual, partnership, corporation, or any other entity, but excludes a Wyoming financial institution and a financial institution;  (v) "Remote electronic terminal" means an electronic device, wherever located, through which a consumer may initiate an electronic funds transfer or may order, instruct or authorize a Wyoming financial institution or financial institution to debit or credit an account and includes an automated teller machine, an automated loan machine or any other machine or device which may be used to carry out electronic banking business. "Remote electronic terminal" does not include point of sale terminals or telephones or personal computers operated by a consumer.
WY Stat § 13-1-601 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 1 - General Provisions|Article 6 - Administration|Section 13-1-601 - State Banking Commissioner; Designation; Appointment; Removal.

13-1-601. State banking commissioner; designation; appointment; removal.| The supervisor of the division of banking within the department of audit shall be designated the state banking commissioner. The commissioner shall be appointed by the director of the state department of audit, and shall serve at the pleasure of the director. The commissioner may be removed from office by the director in the same manner as the governor may remove a gubernatorial appointee as provided by W.S. 9-1-202. The director shall advise and consult with the state banking board before appointing or removing the commissioner.
WY Stat § 13-1-602 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 1 - General Provisions|Article 6 - Administration|Section 13-1-602 - State Banking Commissioner; Qualifications; Compensation.

13-1-602. State banking commissioner; qualifications; compensation.| (a) The commissioner shall have not less than seven (7) years experience in the commercial banking industry, or seven (7) years experience as an examiner or administrative officer with the federal deposit insurance corporation, federal reserve system, office of the comptroller of the currency or a state banking regulatory department, or a combination thereof, with continually increasing administrative authority and responsibility throughout the period of experience.  (b) The salary of the commissioner shall be fixed by the director, after consultation with the state banking board, and within limits prescribed by the appropriation from the legislature.
WY Stat § 13-1-604 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 1 - General Provisions|Article 6 - Administration|Section 13-1-604 - State Banking Board Created; Purpose; Membership; Appointment; Qualifications; Term of Office.

13-1-604. State banking board created; purpose; membership; appointment; qualifications; term of office.| (a) There is created within the division of banking in the department of audit a state banking board. The board shall consult with and provide advice and counsel to the commissioner and the director as requested regarding the administration and operation of the dual banking system and the banking business in Wyoming.  (b) The state banking board shall consist of eight (8) members who shall be appointed by the governor. The director shall serve as an ex officio member of the board. Of the appointed members, five (5) shall be officers or directors of state or national banks domiciled in Wyoming, one (1)member shall be an officer or director of a public trust company as defined by W.S. 13-5-301(a)(xiv), and two (2) members shall be residents of Wyoming who are not officers, directors or employees of any bank or public trust company. No member of the banking board shall have any interest, directly or indirectly, in a bank or public trust company in which any other member of the banking board has any interest. Any member of the board who ceases to have the qualifications for which the member was appointed shall be disqualified to serve and a vacancy shall occur.  (c) Of the initial appointments to the banking board, one (1) member representing a state bank and one (1) member representing a national bank shall be appointed for a one (1) year term, one (1) member representing a state bank and one (1) member who is not an officer or director of any bank shall be appointed for a two (2) year term, and the remaining members shall be appointed for a three (3) year term. After the initial appointments, all appointments shall be for a three (3) year term. All appointments shall commence on July 1 of the year of appointment. Vacancies occurring because of disqualification, death, resignation, or for any reason, shall be filled by appointment for the unexpired portion of the term.
WY Stat § 13-1-605 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 1 - General Provisions|Article 6 - Administration|Section 13-1-605 - State Banking Board; Meetings; Compensation; Purpose.

13-1-605. State banking board; meetings; compensation; purpose.| (a) The board shall meet when called by the commissioner or when requested by a majority of the members of the board. Members of the board shall receive the same salary, mileage and per diem for attending and traveling to and from board meetings in the same manner and amount as members of the Wyoming legislature.  (b) The banking board shall:  (i) Consult with and assist the director in the appointment or the removal of the state banking commissioner;  (ii) Consult with and advise the commissioner on strengths and weaknesses in the banking industry in Wyoming, and in the general economy of the state as reflected by the banking business;  (iii) Recommend to the commissioner such changes in laws or regulations governing the banking industry as may be necessary to meet changes in the financial services industry;  (iv) Assist the commissioner and the director in providing information to the legislature to support statutory reform necessary to maintain a strong, healthy banking industry;  (v) Perform such other functions as requested by the commissioner to promote and maintain the dual banking system;  (vi) Perform the duties prescribed in W.S. 13-2-207 through 13-2-215;  (vii) Perform the duties prescribed in W.S. 13-12-101 through 13-12-126.
WY Stat § 13-1-606 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 1 - General Provisions|Article 6 - Administration|Section 13-1-606 - State Banking Board; Procedures and Practices.

13-1-606. State banking board; procedures and practices.| In addition to other powers conferred by law, the board may regulate its own procedures and practices as provided by the Wyoming Administrative Procedure Act.
WY Stat § 13-2-101 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 1 - Powers|Section 13-2-101 - Generally.

13-2-101. Generally.| (a) Each bank may:  (i) Make contracts in its corporate name;  (ii) Sue and be sued;  (iii) Lend money on real and personal securities;  (iv) Buy, sell and discount bills of exchange, notes and all other written evidence of debt except as otherwise provided;  (v) Receive notes, buy and sell gold and silver coins and bullion where permitted by federal law;  (vi) Collect and pay over money;  (vii) Transact all other business pertaining to banking subject to the provisions and restrictions of this act;  (viii) Operate a savings department;  (ix) Operate a trust department and exercise all powers enumerated by W.S. 13-5-510(b) and 34-29-104;  (x) Act as executor, administrator, trustee, receiver, assignee or guardian of any estate, minor, incompetent or other persons subject to guardianship, and accept appointments by any court in connection with any of the foregoing. In the case of such appointment, or in case the bank shall be named as executor in any will or assignee of any assignment for the benefit of creditors, the bank shall not be required to give any bond or security unless directed by an order of the court making such appointment, or having jurisdiction of such will or assignment;  (xi) Sell insurance or annuities, provided however, all bank-related sales of insurance and annuities shall be in accordance with the Wyoming Insurance Code and subject to all other applicable state and federal laws and rules and regulations governing bank-related sale of insurance or annuities;  (xii) Engage in any activity that is usual or incidental to the business of banking, subject to the prior written approval of the commissioner. The commissioner shall not approve a request to engage in an incidental activity if he finds that the requested activity will adversely affect the safety and soundness of the bank; and  (xiii) Engage in any activity in which a federally chartered insured depository institution as defined by W.S. 13-2-802(a)(ix) operating within this state is authorized to engage, as approved by rule by the commissioner.  (b) Insurance underwriting shall not be approved as usual or incidental to the business of banking under this act, whether for a bank or an operating subsidiary, unless permitted for a federally chartered insured depository institution as defined by W.S. 13-2-802(a)(ix).
WY Stat § 13-2-102 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 1 - Powers|Section 13-2-102 - Perpetual Duration.

13-2-102. Perpetual duration.| A bank shall have perpetual duration except as otherwise provided by the articles of incorporation.
WY Stat § 13-2-103 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 1 - Powers|Section 13-2-103 - Federal Deposit Insurance.

13-2-103. Federal deposit insurance.| (a) All banks, except special purpose depository institutions, shall obtain insurance of their deposits by the United States and shall subscribe for insurance of deposit accounts by the federal deposit insurance corporation (FDIC).  (b) Nothing in this section shall be construed as prohibiting a special purpose depository institution from obtaining FDIC insurance, if available.
WY Stat § 13-2-201 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-201 - Organization and Application.

13-2-201. Organization and application.| Five (5) or more adult persons may organize a corporation for the purpose of carrying on general banking business in a place in this state designated in the articles of incorporation subject to the conditions prescribed by law. The incorporators shall subscribe and verify triplicate originals of the articles of incorporation and transmit them to the state banking commissioner.
WY Stat § 13-2-202 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-202 - Articles of Incorporation.

13-2-202. Articles of incorporation.| (a) The articles of incorporation shall include the following information:  (i) The corporate name;  (ii) The object for which the corporation is organized;  (iii) The term of its existence which may be perpetual;  (iv) The place where its office shall be located and its operations conducted;  (v) The amount of capital stock and the number of shares;  (vi) The name and residence of each shareholder subscribing to more than ten percent (10%) of the stock and the number of his shares;  (vii) The number of directors and the names of those who shall manage the affairs of the corporation for the first year; and  (viii) A statement that the articles of incorporation are made to enable the incorporators to avail themselves of the advantages of the banking laws of the state.  (b) Copies of all amended articles of incorporation shall be filed in the same manner as the original articles of incorporation.
WY Stat § 13-2-207 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-207 - Procedure Upon Filing of Articles of Incorporation, Application and Other Information.

13-2-207. Procedure upon filing of articles of incorporation, application and other information.| Upon filing with the state banking commissioner the articles of incorporation as required by W.S. 13-2-201 and 13-2-202, an application and any other information required by the rules and regulations of the board, the state banking commissioner shall notify the applicants in writing within thirty (30) calendar days of any deficiency in the required information or that the application has been accepted for filing. When the state banking commissioner is satisfied that all required information has been furnished, he shall notify the chairman of the board who shall establish a time and place within the county of the proposed financial institution location for a public hearing which shall be not less than sixty (60) days nor more than one hundred twenty (120) days after notice from the state banking commissioner that the application is in order. Within thirty (30) days after receipt of notice of the time and place of the public hearing, the applicant shall cause notice of filing of the application and of the hearing to be published at applicant's expense in a newspaper of general circulation within the county where the proposed financial institution is to be located. Publication shall be made at least once a week for three (3) consecutive weeks before the hearing stating the proposed location of the financial institution, the names of the proposed applicants for a charter, the nature of the activities to be conducted by the proposed institution and other information as the board shall prescribe from time to time by rules and regulations. The applicant shall furnish proof of publication to the state banking commissioner not more than ten (10) days prior to the hearing. The state banking commissioner shall send notice of the hearing to state and national banks, federal savings and loan associations and other financial institutions in the state who have requested notice from the state banking commissioner and to the appropriate federal financial institution regulatory authorities.
WY Stat § 13-2-208 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-208 - Application Filing Fee.

13-2-208. Application filing fee.| The application filed with the state banking commissioner shall be accompanied by a fee established by rule and regulation of the state banking commissioner to cover the expense of the investigation by the state banking commissioner, the expense of the public hearing and other related expenses. The fee shall be deposited by the state banking commissioner with the state treasurer into the financial institutions administration account. Expenditures shall be made from the account by warrants drawn by the state auditor, upon vouchers issued and signed by the director or commissioner. Funds from the account shall be expended only to carry out the duties of the commissioner and the state banking board under this article and for chartering trust companies under chapter 5 of this title. If an application for a financial institution charter is withdrawn by the applicant at any time prior to the hearing on the application, the statutory application filing fee, less the amount of any expense authorized above and actually incurred, shall be refunded to the applicant. If the application expenses are less than the application fee collected the unexpended amount shall remain within the account.
WY Stat § 13-2-209 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-209 - Procedure for Hearings on Charter Applications.

13-2-209. Procedure for hearings on charter applications.| The hearing for a charter application shall be conducted as a contested case under the Wyoming Administrative Procedure Act and shall comply with the requirements of that act.
WY Stat § 13-2-210 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-210 - Emergency Charters; Fees.

13-2-210. Emergency charters; fees.| (a) Notwithstanding any other provisions contained in this act, a financial institutions charter may be granted by the state banking commissioner without a hearing in any case determined by the state banking commissioner to be an emergency arising from the insolvency, or to prevent the failure, of an existing financial institution, but the granting of any emergency charter under this section is contingent upon the state banking commissioner determining that findings required by W.S. 13-2-212(a) have been satisfied.  (b) The application fee for an emergency charter shall be established by rule and regulation of the state banking commissioner. The fee shall be deposited by the state banking commissioner with the state treasurer and credited to the financial institutions administration account. Expenditures shall be made from the account by warrants drawn by the state auditor, upon vouchers issued and signed by the director or commissioner. Funds from the account shall be expended to carry out the duties of the commissioner or the state banking board.
WY Stat § 13-2-211 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-211 - Investigation and Examination by Banking Commissioner.

13-2-211. Investigation and examination by banking commissioner.| (a) Upon receiving the articles of incorporation, application and other information required, the state banking commissioner shall make a careful investigation and examination of the following:  (i) The character, reputation, financial standing and ability of the organizers;  (ii) The character, financial responsibility, banking or savings and loan or other financial experience and business qualifications of those proposed as officers;  (iii) The character and standing in the community and state of those proposed as directors, stockholders or owners;  (iv) The need in the community where the institution would be located giving particular consideration to the adequacy of existing financial facilities and the effect that the proposed institution would have upon existing financial institutions in the community;  (v) The ability of the community to support the proposed institution, including existing competition, the economic history of the community and the opportunity for profitable employment of financial institution funds; and  (vi) Such other facts and circumstances bearing on the proposed financial institution as the banking commissioner may deem relevant.  (b) The state banking commissioner shall submit his findings verbally and in writing at the public hearing on the application and shall be subject to cross-examination by any interested party. No relevant information shall be excluded by the board as hearsay.
WY Stat § 13-2-213 (2021)
2021 Wyoming Statutes|Title 13 - Banks, Banking and Finance|Chapter 2 - Organization of Banks|Article 2 - Chartering|Section 13-2-213 - Certificate of Authority to Commence Business Required; Application; Approval or Denial; Failure to Commence Business.

13-2-213. Certificate of authority to commence business required; application; approval or denial; failure to commence business.| If the application is approved and a charter granted by the board, the financial institution shall not commence business before receiving a certificate of authority to operate from the state banking commissioner. The application for a certificate of authority shall be made to the state banking commissioner and shall certify that the capital and surplus have been paid in, the address at which the institution will operate and that all of the bylaws adopted have been attached as an exhibit to the application. The application shall state who the officers, directors and stockholders are at that time and have attached evidence that appropriate federal insurance of deposits has been obtained, where applicable. The state banking commissioner shall approve or deny an application for a certificate of authority within thirty (30) days after the application has been filed, but the authority of the state banking commissioner to disapprove any application is restricted solely to noncompliance with this section. If the state banking commissioner approves the application, he shall issue a certificate of authority to the organizers within twenty (20) days. If the state banking commissioner denies the application, he shall mail a notice of denial to the organizers within twenty (20) days, stating the reasons for denying the application, and grant to the organizers a maximum period of ninety (90) days to resubmit the application with the necessary corrections. If the applicant fails to comply with requirements of the notice of denial within ninety (90) days from the receipt of the notice, the approval of the application and articles of incorporation previously issued to the applying institution shall be revoked by the state banking commissioner. The failure of the state banking commissioner to act upon an application for a certificate of authority within thirty (30) days shall be deemed an approval. If the approved institution fails to commence business in good faith within one (1) year after the issuance of a certificate of authority by the state banking commissioner or any required federal approval, whichever is later, the charter and certificate of authority shall expire.