reglab/housing_qa huggingface dataset:
NY Fin Serv L § 301 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 301 - Powers of the Superintendent.

§ 301. Powers of the superintendent. (a) The superintendent shall have such  powers  as  are conferred upon the superintendent by this chapter, the banking law, the insurance law or any other law of this state.  (b) The superintendent shall have the power to conduct investigations, research, studies and analyses of matters  affecting  the  interests  of consumers  of  financial  products  and services, including tracking and monitoring complaints.  (c) The superintendent shall  have  the  power  to  protect  users  of financial products and services, including:  (1)  taking  such  actions  as  the  superintendent deems necessary to educate and protect users of financial products and services;  (2) receiving  complaints  of  consumers  of  financial  products  and services,  and  where appropriate (A) providing assistance to consumers; (B) mediating the  resolution  of  such  complaints  with  providers  of financial products and services; or (C) referring such complaints to the appropriate  federal,  state  or  local  agency  authorized  by  law for appropriate action on such complaints;  (3)  studying  the  operation  of  laws  and   advising   and   making recommendations  to  the  governor on matters affecting consumers of and investors  in  financial  products  and  services  and   promoting   and encouraging  the protection of the legitimate interests of users of such financial products and services;  (4) cooperating  with,  assisting  and,  when  appropriate,  referring matters  to  the  attorney  general  in the carrying out of the attorney general's legal  enforcement  responsibilities  for  the  protection  of consumers of and investors in financial products and services;  (5)  initiating and encouraging consumer financial education programs, and disseminating materials to educate users of financial  products  and services;  (6)   providing   technical   assistance   to  local  governments  and not-for-profits in the development of consumer protection measures  with respect to financial products and services; and  (7)   continuing   and  expanding  the  detection,  investigation  and prevention of insurance fraud.
NY Fin Serv L § 302 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 302 - Regulations by Superintendent.

§  302.  Regulations  by  superintendent. (a) The superintendent shall have the power to prescribe and from time to time withdraw or amend,  in writing,  rules  and regulations and issue orders and guidance involving financial products and services, not inconsistent with the provisions of this chapter, the banking law, the insurance law and any  other  law  in which the superintendent is given authority:  (1)  effectuating  any  power  given  to  the superintendent under the provisions of this chapter, the insurance law, the banking law,  or  any other law to prescribe forms or make regulations;  (2)  interpreting  the  provisions of this chapter, the insurance law, the banking law, or any other applicable law; and  (3) governing the procedures to be followed in  the  practice  of  the department.  (b) The superintendent may promulgate a list of financial products and services  excluded  from regulation by the superintendent, provided that such  exclusion  shall  not  limit  in  any  way  the  ability  of   the superintendent to take any actions with respect to fraud provided for in this chapter, the insurance law, the banking law or any other applicable law.
NY Fin Serv L § 303 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 303 - Orders of Superintendent; When Writing Required.

§  303.  Orders  of superintendent; when writing required. Whenever by   any provision of this chapter, the insurance law, the banking law or any   other applicable law the  superintendent  is  authorized  to  grant  any   approval,  authorization  or  permission  or  to make any other order or   determination affecting any person subject to  the  provisions  of  this   chapter, the insurance law, the banking law or any other law, such order   or  determination  shall  not  be  effective  unless made in writing and   signed by the superintendent or by the superintendent's authority.
NY Fin Serv L § 304-A (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 304-A - Actions of the Department Subject to the State Administrative Procedure Act.

§ 304-a. Actions of the department subject to the state administrative   procedure  act.  Unless otherwise specifically exempted in this chapter,   all rule making and adjudicatory proceedings shall be made in accordance   and consistent with the provisions of the state administrative procedure   act.
NY Fin Serv L § 305 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 305 - Hearings; Conduct; Findings and Report.

§  305.  Hearings;  conduct; findings and report. (a) Unless otherwise provided in this chapter, the banking law,  the  insurance  law  or  any other  law,  any hearing pursuant to any such law may be held before the superintendent, any deputy superintendent, or  any  designated  salaried employee  of  the  department  authorized by the superintendent for such purpose. Any adjudicatory proceeding, including any hearings  to  assess civil  penalties  under section four hundred eight of this chapter, held pursuant to the provisions of this chapter, the  insurance  law  or  the banking  law  shall be noticed, conducted and administered in compliance with the state administrative procedure act.  (b) The person conducting such hearing shall have power to  administer oaths,  examine  and  cross-examine  witnesses  and  receive documentary evidence, and shall report his or her findings, orally or in writing, to the superintendent with  or  without  recommendation.  Such  report,  if adopted by the superintendent may be the basis of any determination made by  the superintendent. One hundred twenty days after the effective date of a determination of liability for a civil penalty pursuant to  section four  hundred  eight of this chapter or four hundred three, one thousand one hundred two, two thousand one hundred two, two thousand one  hundred seventeen, two thousand one hundred thirty-three or seven thousand eight hundred  sixteen  of  the insurance law, such determination of liability for a civil penalty may be entered as a judgment and  enforced,  without court  proceedings,  in  the  same  manner as the enforcement of a money judgment in civil actions in any court of competent jurisdiction or  any other place provided for the entry of civil judgment within this state.  (c)  Every  such  hearing,  except for hearings under the banking law, shall be open to the public unless  the  superintendent  or  the  person authorized   by  the  superintendent  to  conduct  such  hearing,  shall determine that a private hearing would be in  the  public  interest,  in which  case the hearing shall be private. Hearings under the banking law shall be as provided for in the banking law.  (d) Every person affected shall be allowed to be  present  during  the giving  of  all  the  testimony,  and  shall  be  allowed  a  reasonable opportunity to inspect all adverse documentary  proof,  to  examine  and cross-examine witnesses, and to present proof in support of the person's interest.  (e)  Nothing herein contained shall require the observance at any such hearing of formal rules of pleading or evidence.
NY Fin Serv L § 306 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 306 - Attendance of Witnesses; Production of Documents and Records.

§  306.  Attendance of witnesses; production of documents and records. (a) The superintendent or the person authorized by the superintendent to conduct  a  hearing  or  investigation  shall  have  power  to  subpoena witnesses, compel the attendance of witnesses, administer oaths, examine any  person  under oath, and to compel any person to subscribe to his or her testimony after it has been correctly reduced  to  writing,  and  in connection  therewith  to  require  the production of any books, papers, records, correspondence or  other  documents  which  the  superintendent deems  relevant  to  the  inquiry.  A subpoena issued under this section shall be regulated by the civil practice law and rules.  (b) No person subject to the provisions of this chapter, the insurance law or the banking law whose conduct, condition or practices  are  being investigated,  and  no officer, director or employee of any such person, shall be entitled to witness or mileage fees.  (c) In addition to the liabilities and punishment  prescribed  by  the civil  practice  law and rules, any person who, without just cause fails or refuses to attend and testify or to answer any lawful inquiry  or  to produce  any  books, papers or records in obedience to a subpoena issued by the superintendent shall be guilty of a misdemeanor.  (d) Every regulated person under this chapter, the  insurance  law  or the  banking  law  who  is  given  a  notice of hearing pursuant to this chapter shall upon the service of a notice to produce books and records, when attached to the notice of hearing or mailed subsequently thereto in the same manner as the notice  of  hearing,  pursuant  to  such  notice, produce  at  the  hearing  the  books,  records and documents enumerated therein.
NY Fin Serv L § 308 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 308 - Judicial Review of Orders, Regulations and Decisions of Superintendent.

§  308.  Judicial  review  of  orders,  regulations  and  decisions of superintendent. (a) Notwithstanding the  specific  enumerations  of  the right  to  judicial  review  in  this  chapter, the insurance law or the banking law, any order, regulation or decision of the superintendent  is declared  to be subject to judicial review in a proceeding under article seventy-eight of the civil practice law and rules, provided that nothing in this section or article seventy-eight of the civil practice  law  and rules  shall  affect  the time period provided in the banking law or the insurance law for commencing such proceeding.  (b) Except as provided in section two thousand one hundred twenty-four of the insurance law, the commencement  of  such  proceeding  shall  not affect  the  enforcement  or  validity  of  the  superintendent's order, regulation or decision under review unless the  court  shall  determine, after  a  preliminary hearing of which the superintendent is notified at least forty-eight hours in advance, that a stay of  enforcement  pending the  proceeding  or until further direction of the court will not unduly injure the interests of the people of the state, in which case a stay of execution may be granted.
NY Fin Serv L § 309 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 309 - Injunction to Restrain Violation of This Chapter.

§  309.  Injunction  to  restrain  violation  of  this chapter. (a) In addition to such other remedies as are provided under this chapter,  the superintendent  may  maintain and prosecute an action against any person subject to this chapter, the insurance law or the banking  law,  or  the person's  officers,  directors,  trustees  or agents, for the purpose of obtaining an injunction restraining such person or  persons  from  doing any  acts  in violation of the provisions of this chapter, the insurance law or the banking law.  (b) In such action if the court finds that a defendant is  threatening or  is  likely to do any act in violation of this chapter, the insurance law or the banking law and that such violation  will  cause  irreparable injury to the interests of the people of this state, the court may grant an  injunction  restraining  such violation. The court may on motion and affidavits grant a preliminary injunction and interlocutory  injunction, upon  such  terms  as  may  be just; but the superintendent shall not be required to give security before the issuance of any such injunction.
NY Fin Serv L § 310 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 310 - Certificates as Evidence; Affirmation of Documents and Testimony.

§   310.  Certificates  as  evidence;  affirmation  of  documents  and testimony. (a) Every certificate, assignment, conveyance or other  paper executed  by  the superintendent or one of the superintendent's deputies pursuant to law and sealed with the  official  seal  of  the  department shall  be  received  as evidence in any judicial or other proceeding and may be recorded in the proper recording offices.  (b) Any charter, or any certificate or other  instrument  supplemental to  or  amendatory  of the charter, of any regulated person filed in the office of the superintendent and containing statements of fact  required or  permitted  by  law to be contained therein, shall be received in all courts, public offices and official bodies as prima  facie  evidence  of such facts and of the execution of such instrument.  (c)  Whenever  by  the laws of any jurisdiction other than this state, any certificate by any officer in such jurisdiction or  a  copy  of  any instruments  certified  or  exemplified  by  any  such  officer,  may be received as prima facie evidence  of  the  incorporation,  existence  or capacity  of  any  corporation  incorporated  in  such  jurisdiction, or claiming so to be, such certificate when exemplified, or  such  copy  of such instrument when exemplified shall be received in all courts, public offices  and official bodies of this state, as prima facie evidence with the same force as in such jurisdiction. Such  certificate  or  certified copy of such instrument shall be so received, without being exemplified, if it is certified by the secretary of state, or official performing the equivalent function as to corporate records of such jurisdiction.  (d)  Notwithstanding  any provision of this chapter, the insurance law or the banking law requiring an oath as to the proof of  a  document  or the  truth  of  testimony,  the  affiant may, if the affiant's religious beliefs cause the affiant to  object  to  giving  an  oath,  affirm  the document or the affiant's testimony.
NY Fin Serv L § 311 (2021)
2021 New York Laws FIS - Financial Services Law Article 3 - Administrative and Procedural Provisions 311 - Financial Literacy Education.

§  311.  Financial  literacy education. (a) Any youth participating in the summer youth employment program, as defined in  subdivision  (c)  of this section, shall be provided with financial literacy education.  (b)  The  financial literacy education shall be developed and provided in accordance  with  the  standards  and  best  practices  of  currently operating  summer youth employment programs or other similar models used by local government in coordination with nonprofit organizations  and/or financial  institutions for any summer youth employment programs that do not  already  have  a  workshop  as  of  the  effective  date  of   this subdivision.  (c)  For  the  purposes  of  this  section,  "summer  youth employment program" shall mean any  such  program  funded  through  the  office  of temporary and disability assistance.
NY Fin Serv L § 402 (2021)
2021 New York Laws FIS - Financial Services Law Article 4 - Financial Frauds Prevention 402 - Legislative Declaration.

§  402.  Legislative  declaration.  The  legislature  hereby finds and   declares  that  financial  frauds  take  many  forms   across   multiple   industries.  The  legislature  further  finds  that  financial  fraud is   detrimental to the social and economic well-being  of  the  citizens  of   this  state.  In  order  to  more  thoroughly  uncover,  investigate and   eliminate the myriad financial frauds that may be  perpetrated  in,  and   may involve the people of, New York state, the legislature finds that it   is  appropriate that the responsibilities of the insurance frauds bureau   and the criminal investigations bureau that  were  administered  by  the   department  of  insurance  and  the department of banking, respectively,   prior to the enactment of this  article,  be  consolidated  into  a  new   financial  frauds  and consumer protection unit under the supervision of   the superintendent.
NY Fin Serv L § 403 (2021)
2021 New York Laws FIS - Financial Services Law Article 4 - Financial Frauds Prevention 403 - Financial Frauds and Consumer Protection Unit.

§  403.  Financial  frauds  and  consumer  protection  unit.  (a)  The superintendent  shall  establish  a  financial   frauds   and   consumer protection unit in the department of financial services.  (b)  The  financial  frauds  and  consumer  protection unit shall be a qualified agency, as defined in section eight hundred thirty-five of the executive law, to enforce the provisions of  this  article  and  article four of the insurance law and article II-B of the banking law.  (c)  The superintendent shall have the power to designate employees of the unit as peace officers as defined in section 2.10  of  the  criminal procedure  law.  Any  such  designations  made  by the superintendent of insurance or the superintendent  of  banks,  as  they  relate  to  peace officers   within   the   insurance   frauds  bureau  and  the  criminal investigations bureau, made prior to the effective date of this chapter, shall be deemed continued and  will  remain  effective  subject  to  the discretion of the superintendent.  (d) The superintendent is authorized to establish within the financial frauds and consumer protection unit one or more units designated for the purpose  of  investigating  and  preventing  fraud  and  other  criminal activity  in  certain  specified  areas  of  the  banking,  finance  and insurance industries, as authorized by this chapter.
NY Fin Serv L § 404 (2021)
2021 New York Laws FIS - Financial Services Law Article 4 - Financial Frauds Prevention 404 - Powers of the Financial Frauds and Consumer Protection Unit.

§  404.  Powers  of the financial frauds and consumer protection unit. (a) The superintendent has authority under  this  article,  the  banking law,  the  insurance  law  and  other  applicable  laws  to  investigate activities that  may  constitute  violations  subject  to  section  four hundred  eight  of  this  article  or violations of the insurance law or banking law and to develop evidence thereon.  (b) If the  financial  frauds  and  consumer  protection  unit  has  a reasonable  suspicion  that  a  person  or  entity  has  engaged,  or is engaging, in fraud or misconduct with respect to the  banking  law,  the insurance  law, the provisions of this chapter or other laws pursuant to which the superintendent has investigatory or enforcement  powers,  then the   superintendent,  in  the  enforcement  of  relevant  statutes  and regulations, may undertake an investigation thereon, provided,  however, that  the  scope  of  authority  set  forth in this section shall not be deemed to otherwise limit or impair the ability of the superintendent to assist any other entity in an investigation  involving  a  violation  of law,   and  provided  further  that  the  responsibility  and  power  to investigate  any  specific  frauds  or  misconduct  enumerated  in  this chapter,  the  banking law, the insurance law and other laws pursuant to which the superintendent has investigatory or enforcement  powers  shall be  included under the jurisdiction of the financial frauds and consumer protection unit.  (c) Nothing in this chapter shall be construed to grant  or  authorize the financial frauds and consumer protection unit the specific powers or responsibilities  of  the consumer protection division of the department of state.
NY Fin Serv L § 405 (2021)
2021 New York Laws FIS - Financial Services Law Article 4 - Financial Frauds Prevention 405 - Immunity.

§  405.  Immunity.  In  the  absence  of fraud or bad faith, no person   subject to the provisions of  this  chapter,  the  banking  law  or  the   insurance law shall be subject to civil liability, and no civil cause of   action  of  any  nature  shall  arise  against  such person for any: (a)   information relating to suspected violations of the banking law  or  the   insurance  law  furnished to law enforcement officials, their agents and   employees; (b) information  relating  to  suspected  violations  of  the   banking  law  or the insurance law furnished to other persons subject to   the provisions of this chapter; (c) information furnished in reports  to   the  financial  frauds  and  consumer  protection  unit,  its  agents or   employees or any state agency investigating fraud or misconduct relating   to financial  fraud,  its  agents  or  employees;  and  (d)  information   relating  to  insurance  fraud as defined in section 176.05 of the penal   law furnished to the National Insurance Crime Bureau. For  the  purposes   of  this  section  the  National  Insurance  Crime Bureau is a nonprofit   dedicated to the prosecution of insurance fraud and vehicle  crime.  The   superintendent  or  any  employee  of  the financial frauds and consumer   protection unit, in the absence of fraud or  bad  faith,  shall  not  be   subject  to  civil  liability and no civil cause of action of any nature   shall arise against the superintendent or any such employee by virtue of   the publication of any  report  or  bulletin  related  to  the  official   activities of the financial frauds and consumer protection unit. Nothing   herein  is  intended  to  abrogate  or  modify in any way any common law   privilege or immunity heretofore enjoyed by any person.
NY Fin Serv L § 406 (2021)
2021 New York Laws FIS - Financial Services Law Article 4 - Financial Frauds Prevention 406 - Other Law Enforcement Authority, Powers and Duties Not Affected or Impaired.

§ 406. Other law enforcement authority, powers and duties not affected or impaired. This article shall not:  (a) Preempt the authority or relieve the duty of other law enforcement agencies to investigate and prosecute suspected violations of law;  (b)  Prevent  or  prohibit  a  person  from voluntarily disclosing any information concerning violations of this article, the  banking  law  or the insurance law to any law enforcement agency; or  (c)  Limit  any  of the powers granted elsewhere in the banking law or insurance law or other laws to the superintendent or the  department  to investigate possible violations of law and take appropriate action.