reglab/statecodes huggingface dataset:
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-B - Actions or Special Proceedings by Superintendent or Attorney-General.

§ 9-b.   Actions   or   special   proceedings   by   superintendent   or
attorney-general.
1. In addition to any  action  or  special  proceeding  which  may  be
maintained  by  either  of them under any other section of this chapter,
the superintendent or the attorney-general may  maintain  an  action  or
special proceeding:
(a)  To annul the corporate existence or dissolve a corporation formed
under any article of this chapter or formed under any other  statute  or
special  act  having  as its purpose or among its purposes a purpose for
which a corporation may be formed under  this  chapter  that  has  acted
beyond  its  capacity  or  power  or  to  restrain  it from the doing of
unauthorized business.
(b) To annul the corporate existence or dissolve any such  corporation
that has not been duly formed.
(c)  To  restrain  any  person  or  persons  from  acting  as  such  a
corporation within this state without being duly  incorporated  or  from
exercising  in this state any corporate rights, privileges or franchises
not granted to them by the law of the state.
(d) To dissolve a corporation under section nine-c.
2. In any action or special proceeding brought under this section:
(a) If an action, it is triable by jury as a matter of right.
(b) The court may confer immunity in accordance with the provisions of
section 50.20 of the criminal procedure law.
(c) A temporary  restraining  order  to  restrain  the  commission  or
continuance  of  the unlawful acts which form the basis of the action or
special proceeding may be granted upon proof,  by  affidavit,  that  the
defendant or defendants have committed or are about to commit such acts.
Application for such restraining order may be made ex parte or upon such
notice as the court may direct.
(d)  When  final  judgment  in  such  action  or special proceeding is
rendered against the defendant or defendants, the court may  direct  the
costs  to be collected by execution against any or all of the defendants
or by order of attachment or other process against  the  person  of  any
director or officer of a corporate defendant.
(e)  In connection with any such proposed action or special proceeding
the superintendent or the attorney-general  may  take  proof  and  issue
subpoenas in accordance with the civil practice law and rules.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-C - Superintendent's or Attorney-General's Action for Judicial Dissolution.

§ 9-c. Superintendent's   or   attorney-general's  action  for  judicial
dissolution.
1. The superintendent or the attorney-general may bring an action  for
the  dissolution  of  a  corporation  formed  under  any article of this
chapter or formed under any other statute or special act having  as  its
purpose  or  among its purposes a purpose for which a corporation may be
formed under this chapter upon one or more of the following grounds:
(a) That the corporation procured  its  formation  through  fraudulent
misrepresentation or concealment of a material fact.
(b)  That the corporation has exceeded the authority conferred upon it
by law, or has violated any provision of law whereby  it  has  forfeited
its  charter,  or  carried on, conducted or transacted its business in a
persistently fraudulent or illegal manner, or by the abuse of its powers
contrary to the public policy of the  state  has  become  liable  to  be
dissolved.
2.  An  action  under  this  section is triable by jury as a matter of
right.
3. The enumeration in subdivision one of grounds for dissolution shall
not exclude actions or special proceedings by  the  superintendent,  the
attorney-general   or   other  state  officials  for  the  annulment  or
dissolution of a corporation  for  other  causes  as  provided  in  this
chapter or in any other statute of this state.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-D - Enforcement of Section Two Hundred Ninety-Six-a of the Executive Law.

§ 9-d.   Enforcement  of  section  two  hundred  ninety-six-a  of  the
  executive  law.  In  addition  to  the   powers   conferred   upon   the
  superintendent  of  financial services by this chapter, he shall enforce
  section two hundred ninety-six-a of the executive  law  by  taking  such
  action as is therein authorized.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-F - Geographic Discrimination in Making Mortgage Loans Prohibited.

§ 9-f.  Geographic discrimination in making mortgage loans prohibited.
  1.  No banking institution as such term is defined in this section shall
  refuse to make a prudent loan upon the  security  of  real  property  or
  otherwise  discriminate  with  respect thereto because of the geographic
  location of such  property  if  such  property  is  located  within  the
  geographic area ordinarily serviced by such bank or within the community
  within  which  the  principal  or  any  branch  office  of such banks is
  located. A violation of the provisions  of  this  subdivision  shall  be
  subject  to  the  applicable  provisions  of  sections  thirty-nine  and
  forty-four of this chapter.
2. Any person who makes application for such a  loan  and  is  refused
  such  loan  may  request the superintendent to review the denial of such
  application. If the superintendent determines that such loan was prudent
  and  was  denied  in  violation   of   subdivision   one   hereof,   the
  superintendent shall certify such determination to the state of New York
  mortgage  agency created pursuant to title seventeen of article eight of
  the public authorities law.
3. For the purposes of this section, the term (a) "prudent loan" means
  a loan upon the security of real property which is prudent by acceptable
  banking standards and is in compliance with all  of  the  provisions  of
  this  chapter  and  rules  and  regulations  of  the  superintendent  of
  financial services; and (b) notwithstanding any other provision of  this
  chapter  or  law to the contrary, the term banking institution when used
  in this section shall mean  and  include  all  banks,  trust  companies,
  savings  banks,  savings  and loan associations, credit unions, mortgage
  bankers, exempt organizations as defined in  article  twelve-D  of  this
  chapter   and   foreign   banking   corporations  whether  incorporated,
  chartered, organized or licensed under the laws of  this  state  or  any
  other state or the United States.
4.  If  any  clause,  sentence, paragraph, subdivision or part of this
  section or the application thereof to any person, firm  or  corporation,
  or circumstance shall be adjudged by any court of competent jurisdiction
  to  be  invalid  or  unconstitutional,  such  judgment shall not affect,
  impair or invalidate the remainder thereof, but shall be confined (i) in
  its operation to the clause, sentence, paragraph, subdivision,  or  part
  of  this  section,  or  (ii)  in  its application to the person, firm or
  corporation, or circumstance, directly involved in  the  controversy  in
  which such judgment shall have been rendered.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-G - Right of Set Off.

§ 9-g.  Right  of set off. 1. (a) No banking institution shall assert,
claim or exercise any right of set off against any deposit account  into
which  social  security  or  supplemental  security  income payments are
deposited pursuant to an agreement with such banking  institution  which
provides  that  such  payments  be  deposited directly into such deposit
account without presentation to the depositor at the time of deposit.
(b) No banking institution shall assert, claim or exercise  any  right
of  set  off  against  any  payments  referred  to in subdivision (p) of
section fifty-two hundred five of the civil practice law and rules.
2. No banking institution shall assert, claim or exercise any right of
set  off  against  any  other  deposit  account  held  by  such  banking
institution unless, prior to or on the same business day of such action,
notice  of  the  set  off  together with the reasons for the set off are
mailed to the depositor.
3. Failure to provide the notice required by this section shall not be
deemed to affect the validity of the right of set off.
4. "Banking institution" as used in this section shall have  the  same
meaning as used in section nine-f of this chapter.
5.  "Depositor"  as used in this section shall include shareholders in
state and federal savings and loan associations and  state  and  federal
credit unions.
6.  "Deposit account" as used in this section shall include shares and
share accounts of state and federal savings and  loan  associations  and
state and federal credit unions.
7.  If  any  provision  of  this  section,  or the application of such
provision to any bank,  trust  company,  national  bank,  savings  bank,
federal  mutual  savings  bank,  savings  and  loan association, federal
savings and loan association, credit  union,  federal  credit  union  or
branch  of  a  foreign  banking  corporation, shall be held invalid, the
remainder of this section, and the application of such section to banks,
trust companies, national banks, savings banks, federal  mutual  savings
banks,   savings   and  loan  associations,  federal  savings  and  loan
associations, credit  unions,  federal  credit  unions  or  branches  of
foreign  banking  corporations  other  than  those  to  which it is held
invalid, shall not be affected thereby.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-H - Imposition of Service Charges Prohibited.

§ 9-h.   Imposition   of   service   charges  prohibited.  No  banking
  organization shall impose any service charge with respect to any deposit
  account as a result of the loss of a check or money  which  is  properly
  deposited  with  the  banking organization by delivery to an employee of
  the banking organization for credit to the deposit account and for which
  a written receipt is issued by the employee.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-I - Close-Out Fees Prohibited in Certain Cases.

* § 9-i.  Close-out  fees  prohibited  in  certain  cases.  No banking
  institution, as that term is defined in section nine-f of this  chapter,
  shall  charge  its  customers a fee for the withdrawal of all funds from
  any account resulting in the closing of such account provided that  such
  account  was  opened  for  a  period  of  at  least  one  hundred eighty
  consecutive days prior to its closing.
* NB There are 2 § 9-i's
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-I*2 - Prohibition on Depositor of Early Withdrawal Penalty in Certain Cases.

* § 9-i.  Prohibition  on  depositor  of  early  withdrawal penalty in
  certain cases. No banking  institution,  as  that  term  is  defined  in
  section  nine-f  of  this  chapter,  shall  impose  any  penalty for the
  repayment of a time deposit prior to maturity where  the  depositor  has
  died or been declared legally incompetent.
* NB There are 2 § 9-i's
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-J - Disposal of Records; Customer Accounts.

§ 9-j.  Disposal  of  records;  customer  accounts.  1.  Every banking
  institution, which for purposes of this  section  means  a  bank,  trust
  company,  savings  bank,  savings and loan association, licensed foreign
  banks and credit unions, with  respect  to  written  records  no  longer
  required  or needed to be retained which contain information relating to
  an identified customer or an identified customer's  depository  or  loan
  account,  shall  in  disposing  of  such  records provide procedures and
  processes reasonably calculated to assure destruction or disposal  in  a
  manner  which  prevents  subsequent  unauthorized review or reuse of the
  record.
2. The superintendent shall enforce the provisions of this section  by
  appropriate rules, regulations and orders.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-K - Sale of Education Loans.

§ 9-k.  Sale  of  education loans. 1. "Banking institution" as used in
this section shall mean and include all banks, trust companies,  savings
banks,  savings and loan associations, credit unions and foreign banking
corporations whether  incorporated,  chartered,  organized  or  licensed
under the laws of this state or any other state or the United States.
2. "Lender" as used in this section shall mean and include:
(a)  a  national or state chartered bank, mutual savings bank, savings
and loan association, or credit union that:
(1) is subject to examination and supervision in  its  capacity  as  a
lender  by  an  agency of the United States or of the state in which its
principal place of operation is established; and
(2) does not  make  or  hold  loans  to  students  under  the  federal
guaranteed  student  loan  program  that total more than one-half of its
consumer credit loan dollar volume, including home mortgages, unless  it
is a bank that is wholly owned by a state; or
(b)  a  pension  fund  as  defined in the federal employees retirement
income security act; or
(c)  an  insurance  company  that  is  subject  to   examination   and
supervision by an agency of the United States or a state; or
(d)  in  any  state,  a single agency of the state or a single private
nonprofit agency designated by the state; or
(e) for purposes only of purchasing and holding loans  made  by  other
lenders  under  the federal guaranteed student loan program, the student
loan marketing association or an agency of any state  functioning  as  a
secondary market.
3.  "Guaranteed education loan" as used in this section shall mean and
include any loan made for the  purpose  of  financing  higher  education
which  is  made  under the authority of Part B of Title IV of the Higher
Education Act of 1965 as amended or under the authority of  section  six
hundred eighty of the education law.
4.  Whenever  a  banking  institution or other eligible lender as such
terms are defined in this section sells a guaranteed education  loan  to
another banking institution or eligible lender, such selling institution
shall  notify  the borrower in writing within fifteen days of such sale.
Such notice shall include the name and address of the institution  which
has  purchased  such loan. The selling institution shall also notify the
New York state higher education services corporation or other  guarantor
of such sale.  Notice shall include:
(a)  the  name  and address of the institution which has purchased the
loan; and
(b) the name, address and social security number of the  borrower  and
the borrower's account number.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-M - Return of Checks.

§ 9-m.  Return  of  checks.  Any  banking  institution as that term is
  defined in section nine-f of this chapter, except a  credit  union,  and
  any  other financial institution which offers consumer accounts, meaning
  accounts established by natural persons primarily for  personal,  family
  or  household purposes, which can be accessed by check, negotiable order
  of withdrawal, or  other  similar  written  instrument,  shall  offer  a
  consumer  account  on  which  the cancelled checks, negotiable orders of
  withdrawal, or other similar  instruments  drawn  on  that  account  are
  returned to the customer with a periodic statement of the account.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-N - Trust Accounts; Address of Beneficiary.

§ 9-n.  Trust  accounts;  address  of  beneficiary.  1.  Every banking
  institution, which for the purposes of this section means a bank,  trust
  company,  savings  bank,  savings and loan association, licensed foreign
  bank or credit union, which shall hold accounts by  depositors  in  such
  depositor's   own  name  and,  further,  in  trust  for  a  third  party
  beneficiary or beneficiaries, shall make a written record of the address
  of any such beneficiary or beneficiaries at the time a trust account  is
  established.
2.  The superintendent shall enforce the provisions of this section by
  appropriate rules, regulations and orders.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-O - Mortgage Loans; Disclosure Form.

§ 9-o.  Mortgage  loans;  disclosure  form. 1. For the purpose of this
section, the following terms shall have the following meanings:
(a) "Mortgage lending institution" shall mean  an  insurance  company,
banking  organization,  foreign  banking  corporation  licensed  by  the
superintendent or the comptroller of the currency, to transact  business
in  this state, national bank, federal savings bank, federal savings and
loan association, federal credit union,  or  any  bank,  trust  company,
savings  bank,  savings  and loan association, or credit union organized
under the laws of any other state, or any instrumentality created by the
United States or any other state, with the power to make mortgage loans.
Mortgage lending institution shall include a subsidiary of such entity.
(b) "Mortgage banker" shall mean a person or entity who  or  which  is
licensed  pursuant to section five hundred ninety-one of this chapter to
make mortgage loans in this state.
2. Every  mortgage  lending  institution  and  mortgage  banker  which
originates  loans secured by real property used for residential purposes
located in this state shall provide a separate disclosure form with each
application that shall contain a provision stating whether the  interest
rate  of  such  loan shall be the interest rate in effect at the time of
application, the time of commitment, the time  of  closing  or  at  such
other  period of time as shall be determined by the lending institution.
The superintendent of financial  services  shall  promulgate  rules  and
regulations to implement the provisions of this section.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-P - Acceptance of Certain Checks for Deposit.

§ 9-p.   Acceptance   of   certain  checks  for  deposit.  No  banking
  institution as that term is defined in section nine-f  of  this  chapter
  shall,  as  a  policy or general practice, refuse to accept as a deposit
  made with a teller by an account holder a check for the sole reason that
  it contains two endorsements. Nothing contained herein shall  prevent  a
  banking institution from requiring the approval of an officer or manager
  as a condition of accepting a check with two endorsements for deposit or
  from  refusing to accept a deposit of a check with two endorsements that
  is not made with a teller.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-R - Geographic Restrictions.

§ 9-r. Geographic restrictions. 1. No banking institution shall have a
  policy  or general practice of refusing to open a deposit account solely
  on the basis of the geographic location of the depositor's residence  or
  place  of  business;  provided  that  the  banking  office  at which the
  depositor seeks to open the account is within the county or, in the case
  of a county wholly contained within a  city,  the  city  in  which  such
  residence or place of business is located. For purposes of this section,
  "banking  institution"  means  any  bank,  trust  company, savings bank,
  savings and loan association, or branch of a foreign banking corporation
  the deposits of which are  insured  by  the  federal  deposit  insurance
  corporation,  which  is  incorporated,  chartered, organized or licensed
  under the laws of this state or any other state or the United States.
2. Nothing herein contained shall prevent a banking  institution  from
  requiring  any person applying for a deposit account to demonstrate that
  the residence or place of business of such person is located within  the
  same  county  or  city,  or  prevent  a  banking institution from taking
  actions  necessary  to  verify  such  person's  residence  or  place  of
  business, so as to avoid being considered in violation of any law of the
  United  States  or of this state which has as its purpose the prevention
  of money laundering or other criminal  or  fraudulent  acts,  including,
  without limitation, 12 USC § 1829b (Bank Secrecy); 18 USC § 1341 (Frauds
  and Swindles); 18 USC § 1342 (Fictitious Name or Address); 18 USC § 2113
  (Bank  Robbery  and  Incidental  Crimes);  31  USC § 5311 through § 5326
  (Records and Reports on Monetary Instruments Transactions).
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-S - Preauthorized Electronic Fund Transfers.

§  9-s.  Preauthorized  electronic  fund  transfers.  1. Every banking
  institution which provides preauthorized electronic fund transfers  from
  consumer  accounts  shall, in accordance with regulations adopted by the
  superintendent of financial services, provide consumers with  the  right
  to  stop  payment  by  giving  written or oral notice within a specified
  period of time prior to such transfer. 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,  and  "consumer account" shall mean an account used primarily for
  personal, family or household purposes.
2. No agreement for preauthorized electronic  fund  transfers  entered
  into  on  or  after January first, two thousand thirteen shall permit or
  require the transfer from a consumer account of any funds as  a  penalty
  or  a  final payment after the consumer has given written or oral notice
  to stop payment to his or her financial institution.
3. Any banking  institution  which  complies  with  the  stop  payment
  provisions of the federal Electronic Funds Transfer Act, as such act may
  be  amended  from  time  to  time,  and any regulations adopted pursuant
  thereto, shall be deemed to be in compliance with the provisions of this
  section.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-T - Unsolicited Mail-Loan Checks.

§  9-t. Unsolicited mail-loan checks. 1. For purposes of this section,
the following terms shall have the following meanings:
(a) "lending institution" shall mean a licensed lender or a  state  or
federally  chartered bank, trust company, savings bank, savings and loan
association or credit union.
(b) "mail-loan check" shall mean a check, made out to and mailed to  a
person by a lending institution, which, when cashed or deposited by such
person,  obligates  such person to repay to such lending institution the
amount of the proceeds of such check according to terms mailed  to  such
recipient with such check.
2. Any lending institution which issues mail-loan checks shall:
(a)  include  on  the  face  of  each check issued to a non-customer a
written  statement,  in  legible  type  reading  "ONE  FORM   OF   VALID
PHOTOGRAPHIC  ID NEEDED TO CASH OR DEPOSIT"; provided, however, that any
entity cashing or accepting a mail-loan check for  deposit  may  require
more than one form of identification;
(b)  make  no  reference  on  the outside of the envelope containing a
mail-loan check that indicates that a  check  is  enclosed  within  such
envelope;
(c) provide that all mail-loan checks shall be non-transferable; and
(d)  include  the  transaction fee and interest rate and an expiration
date of not more than six months on the mail-loan check, as well as  any
additional information that the superintendent may require.
3.  No  lending  institution  shall issue a mail-loan check, except in
response to a request or application therefor.
4. Failure to destroy or return a mail-loan check shall not constitute
acceptance of the check.
5. Any lending institution which mails a mail-loan check in  violation
of  the  provisions  of this section shall be liable for a civil penalty
not to exceed five hundred dollars for each such violation.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-U - Atm Transactions by Persons Using Foreign Bank Accounts.

§  9-u.  ATM  transactions  by persons using foreign bank accounts. 1.
  Subject to the requirements of section three  hundred  ninety-nine-y  of
  the  general  business law, as added by chapter four hundred ninety-five
  of the laws of nineteen hundred ninety-nine, an agreement to operate  or
  share  an  automated  teller  machine  shall  not  have  the  effect  of
  prohibiting, limiting or restricting the right of the operator or  owner
  of the automated teller machine to charge a customer who is conducting a
  transaction  using  an  account  from  a  financial  institution that is
  located outside the  United  States  an  access  fee  or  surcharge  not
  otherwise prohibited under state or federal law.
2. Nothing in this section shall be construed to prohibit or otherwise
  limit the ability of an operator or owner of an automated teller machine
  to  voluntarily  enter  into  an  agreement regarding participation in a
  surcharge free network.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-W - Standard Financial Aide Award Letter.

§  9-w.  Standard  financial  aid  award letter. The superintendent of
  financial services in consultation with  the  president  of  the  higher
  education  services  corporation  shall develop a standard financial aid
  award letter which shall clearly delineate (a)  the  estimated  cost  of
  attendance,  including but not limited to, the cost of tuition and fees,
  room and board, books, and transportation. Such  standard  letter  shall
  provide  the  estimated cost of attendance for the current academic year
  as well as estimates for each academic year that the student would  need
  to  attend  to  earn a degree at such institution with a disclaimer that
  the cost of attendance for years other than the  current  academic  year
  are  estimates  and  may  be  subject  to  change, (b) all financial aid
  offered from the federal government, the state, and the institution with
  an explanation as to which components will require  repayment,  (c)  any
  expected   student   and/or  family  contribution,  (d)  campus-specific
  graduation, median borrowing, and loan default rates, and (e) any  other
  information as determined by the superintendent in consultation with the
  president.  Such  standard  letter  shall include a glossary of standard
  terms and definitions used on such standard letter.  The  superintendent
  shall  publish  and  make  available  such  standard  letter by December
  thirty-first,  two  thousand  fifteen  and  thereafter.  Each   college,
  vocational  institution,  and  any  other  institution  that  offers  an
  approved program as defined in section six hundred one of the  education
  law  shall  utilize  the  standard  letter  issued  by the department of
  financial services in responding  to  all  undergraduate  financial  aid
  applicants for the two thousand sixteen--two thousand seventeen academic
  year  and  thereafter.  The  superintendent shall promulgate regulations
  implementing this section.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-X*2 - Fees Based on Inactivity; Notification.

* §  9-x.  Fees based on inactivity; notification. Notwithstanding any
  other provision of law or  rule  or  regulation  to  the  contrary,  any
  financial  institution  subject  to  the  provisions  of  this  chapter,
  including any bank,  trust  company,  savings  bank,  savings  and  loan
  association,  credit  union,  mortgage broker, mortgage banker, or other
  investment entity, whether headquartered within or  outside  the  state,
  which  provides an account to a customer shall provide written notice of
  the pending charges to a customer thirty days prior to charging any  fee
  based  on  account  inactivity.  Such  notice  shall include a telephone
  number  and  full  contact  information  for  a  representative  of  the
  financial  institution  responsible for resolving any matter relating to
  the fee. A notification by electronic mail  shall  satisfy  the  writing
  requirement for the purposes of this section.
* NB There are 2 § 9-x's
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-Z - Cashing of Certain Checks.

§  9-z.  Cashing of certain checks. 1. No bank, trust company, savings
  bank, savings and loan association or credit union shall, refuse to cash
  a cashier's check, a payroll check, or a certified check in  the  amount
  of  five  hundred dollars or less, drawn on accounts in such institution
  or a branch as long as there are sufficient funds within the account  on
  which  the  check is drawn. Such institution may require, as a condition
  for cashing such check, that the payee present a valid government-issued
  photo identification and matching  proof  of  address  such  as  a  bank
  statement, utility bill or printed pay stub.
2.  If  a person presents such forms of identification, as provided in
  subdivision one of this section, and a signature or mark, and the insti-
  tution refuses to cash the check in the absence of suspected  fraudulent
  activity,  such  institution  shall  be  guilty  of  a violation of this
  section and shall be subject to penalties pursuant to section forty-four
  of this chapter.
2023 New York Laws › BNK - Banking › Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers › 10 - Declaration of Policy.

§ 10. Declaration of policy. It is hereby declared to be the policy of
  the  state  of  New  York that the business of all banking organizations
  shall be supervised and regulated through the  department  of  financial
  services  in such manner as to insure the safe and sound conduct of such
  business, to conserve their assets, to prevent  hoarding  of  money,  to
  eliminate   unsound  and  destructive  competition  among  such  banking
  organizations and thus to maintain public confidence  in  such  business
  and  protect  the  public  interest  and  the  interests  of depositors,
  creditors, shareholders and stockholders.
2023 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.
2023 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.
2023 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.
2023 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.
2023 New York Laws › BNK - Banking › Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers › 18-B - Holocaust Reparations Payment Fees.

§  18-b.  Holocaust  reparations  payment fees. 1. For the purposes of
  this section,  "victims  or  targets  of  Nazi  persecution"  means  any
  individual,     corporation,     partnership,    sole    proprietorship,
  unincorporated    association,    community,    congregation,     group,
  organization,  or other entity persecuted or targeted for persecution by
  the  Nazi  Regime  because  of   race,   religion,   ethnicity,   sexual
  orientation,  national  origin,  or  physical  or  mental  disability or
  handicap,  or  the   heirs,   successors,   administrators,   executors,
  affiliates,  or  assignees  of  such  victims  or  targets, or any other
  claimant receiving funds from an eligible settlement fund,  or  from  an
  eligible  grantor  trust  established for the benefit of such victims or
  targets. An eligible settlement fund is an entity that  is  treated  for
  federal  income  tax  purposes  as  a designated or qualified settlement
  fund, as such term is defined in section 468B of  the  Internal  Revenue
  Code  and  the  regulations  thereunder,  which  is  established for the
  principal purpose of resolving and satisfying claims arising from or  in
  connection  with  any  act  or  omission  in  any  way  relating  to the
  Holocaust, World War II  and  its  prelude  and  aftermath,  victims  or
  targets  of  Nazi  persecution, transactions with or actions of the Nazi
  Regime, or treatment of refugees fleeing Nazi persecution by or  in  the
  Swiss  Confederation. An eligible grantor trust is a grantor trust which
  is established for the principal purpose  of  resolving  and  satisfying
  such claims.
2.  The  superintendent  shall  maintain and annually update a list of
  banks and other financial institutions doing business in the state  that
  voluntarily  waive  wire transfer fees and other processing fees imposed
  for automated deposits  or  transfers  of  amounts  received  (including
  accumulated  interest) by victims or targets of Nazi persecution from an
  eligible settlement fund, or from an eligible grantor trust  established
  for  the  benefit  of such victims or targets. The department shall make
  the list available to the public on the department's website.
2023 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.
2023 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.
2023 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.
2023 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.