reglab/statecodes huggingface dataset:
2023 New York Laws › ACA - Arts and Cultural Affairs › Title V-1 - Sale of Autographed Sports Collectibles › Article 60 - Sale of Autographed Sports Collectibles › 60.02 - Certificate of Authenticity; Contents.

§ 60.02. Certificate  of authenticity; contents. 1. Whenever a dealer,
in selling or offering to sell in or from this state a collectible to  a
consumer,   provides   a   description  of  such  collectible  as  being
autographed, he shall furnish to the consumer at  the  time  of  sale  a
certificate  of  authenticity. Such certificate of authenticity shall be
in writing and signed by such dealer, his or her authorized agent or his
or her supplier. The certificate shall be in at least ten point boldface
type and shall contain the dealer's or supplier's true  legal  name  and
street address. Each certificate of authenticity shall:
(a)  describe  the  collectible and the name of the sports personality
who signed it; and
(i) specify the purchase price and date of sale; or
(ii) be accompanied by a separate invoice that specifies the  purchase
price and date of sale;
(b) contain an express warranty, which shall be presumed to be part of
the  basis  of  the  bargain,  of  the  authenticity  of the autographed
collectible. Such warranty shall not be negated or limited  because  the
dealer or the supplier in the certificate does not use formal words such
as  "warranty",  or "guarantee", or because such dealer or supplier does
not have a specific intention or authorization to  make  a  warranty  or
because  any  statement  relevant  to the autographed collectible is, or
purports to be, or is capable of  being,  merely  the  dealer's  or  the
supplier's opinion; and
(c)  unless  such  information  appears  in  legible  fashion  on  the
collectible itself, specify whether the collectible is offered as one of
a limited edition and, if so:
(i) how the collectible and the edition are numbered, and
(ii) the size of the edition and the size of any prior or  anticipated
future  edition,  if any. If the size of any prior or anticipated future
edition  is  not  known,  the  certificate  shall  contain  an  explicit
statement to that effect.
2.  If  a dealer offers collectibles at auction, the requirement for a
certificate of authenticity may be met if the  dealer  at  the  time  of
sale:
(a) provides the buyer a catalog which (i) is available to the public,
(ii)  contains  a  picture and description of the collectible, and (iii)
contains a warranty and  information  which  meet  the  requirements  of
paragraphs (b) and (c) of subdivision one of this section; and
(b)  provides a separate invoice that specifies the purchase price and
date of sale.
The dealer shall be required to maintain a copy of  such  catalog  and
information  regarding  the sale of items described therein for a period
of five years following the year of such sale.
3. In those instances in which the provisions of this section are  met
in  accordance with subdivision two of this section by use of a catalog,
any warranty contained in such catalog shall  not  be  more  restrictive
than the provisions of this article.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title V-1 - Sale of Autographed Sports Collectibles › Article 60 - Sale of Autographed Sports Collectibles › 60.03 - Prohibitions.

§ 60.03. Prohibitions. No dealer shall represent that a collectible is
  autographed  if said dealer knows, or has reason to believe, that it was
  signed other than by the sports personality in his or her own hand.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title V-1 - Sale of Autographed Sports Collectibles › Article 60 - Sale of Autographed Sports Collectibles › 60.04 - Disclosure Required.

§ 60.04. Disclosure  required.  1.  No  dealer shall sell or offer for
sale in or from this state an  autographed  sports  collectible  to  any
consumer  unless,  at  the  location  where  the  sale  occurs, in close
proximity to the merchandise, he places a conspicuous sign that reads:
SALE OF AUTOGRAPHED SPORTS MEMORABILIA
AS REQUIRED BY LAW A DEALER WHO SELLS  TO  A  CONSUMER
ANY  SPORTS  MEMORABILIA DESCRIBED AS BEING PERSONALLY
AUTOGRAPHED  FOR  TWENTY-FIVE  DOLLARS  OR  MORE  MUST
PROVIDE  A  WRITTEN CERTIFICATE OF AUTHENTICITY AT THE
TIME OF SALE.
2. (a) Any dealer engaged in a mail-order or telephone order  business
who sells or offers for sale in or from this state an autographed sports
collectible  to  any consumer shall include in any written advertisement
relating to any such item, in type of conspicuous size,  the  disclosure
required  by  subdivision  one of this section or language substantially
equivalent to  the  disclosure  required  by  subdivision  one  of  this
section.
(b)  When an offer for sale of an autographed sports collectible takes
the form of a televised broadcast, such offer shall  include  a  written
on-screen  message  that  shall  be  prominently  displayed  and clearly
visible for no less than five seconds at the beginning of  each  segment
of broadcast for each item offered for sale and displayed thereafter for
no  less  than five seconds at ten minute intervals during said segment,
that reads:
A WRITTEN CERTIFICATE OF AUTHENTICITY
IS PROVIDED WITH EACH AUTOGRAPHED
COLLECTIBLE, AS REQUIRED BY LAW.
(c) When such offer for sale takes the form of a radio  advertisement,
such  advertisement  shall  include  as  part  of  the  oral message the
disclosure required by paragraph (b) of this subdivision.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title V-1 - Sale of Autographed Sports Collectibles › Article 60 - Sale of Autographed Sports Collectibles › 60.05 - Private Remedies.

§ 60.05. Private  remedies.  Any  consumer injured by the failure of a
  dealer  to  provide  a  certificate  of  authenticity   containing   the
  information  required  by  section  60.02  of  this  article,  or by the
  furnishing by a dealer of a certificate of  authenticity  that  contains
  information that the dealer knows or has reason to believe is materially
  false  may  bring  an  action  for  recovery of damages after giving the
  dealer fifteen days notice by certified mail, return receipt  requested.
  In any such action the court may allow the prevailing consumer the costs
  of  the  action  together  with  reasonable  attorney's  fees and expert
  witnesses' fees. A dealer may assert the  tender  of  a  refund  of  the
  original  purchase  price  as a full defense to such an action when such
  refund has been tendered prior to the commencement of such action.  This
  remedy  shall  not  bar  or  be deemed inconsistent with the exercise of
  additional remedies otherwise available to the consumer.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title V-1 - Sale of Autographed Sports Collectibles › Article 60 - Sale of Autographed Sports Collectibles › 60.06 - Enforcement by Attorney General.

§ 60.06. Enforcement  by  attorney  general.  In addition to the other
  remedies provided, whenever there shall be a violation of this  article,
  application  may  be  made  by  the  attorney general in the name of the
  people  of  the  state  of  New  York  to  a  court  or  justice  having
  jurisdiction  by  a  special proceeding to issue an injunction, and upon
  notice to the defendant of not  less  than  five  days,  to  enjoin  and
  restrain  the  continuance of such violations; and if it shall appear to
  the satisfaction of the court or justice  that  the  defendant  has,  in
  fact,  violated  this article, an injunction may be issued by such court
  or justice, enjoining and restraining  any  further  violation,  without
  requiring  proof  that  any person has, in fact, been injured or damaged
  thereby. In any such proceeding, the court may make  allowances  to  the
  attorney  general  as  provided  in  paragraph six of subdivision (a) of
  section eighty-three hundred three of the civil practice law and  rules,
  and  direct  restitution.  Whenever  the  court  shall  determine that a
  violation of this article has occurred, the court  may  impose  a  civil
  penalty  of  not  more  than one thousand dollars for each violation. In
  connection with any such proposed application, the attorney  general  is
  authorized  to take proof and make a determination of the relevant facts
  and to issue subpoenas in accordance with the  civil  practice  law  and
  rules.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title W - Miscellaneous Provisions › Article 61 - Miscellaneous Provisions › 61.01 - Public Entertainment on Sunday.

§ 61.01. Public  entertainment  on  Sunday.  All legitimate theatrical
  performances, concert and recital dances, motion picture exhibitions, or
  other public exhibitions, exhibits, shows or entertainment on the  first
  day of the week are prohibited, except as hereinafter provided.
Notwithstanding  the  provisions of this section, or of any general or
  local law, it shall be lawful to conduct or participate  in  any  public
  entertainment  on  the first day of the week after five minutes past one
  o'clock in the afternoon, to witness which the public is invited  or  an
  admission fee is charged, either directly or indirectly, in a city, town
  or village as shall be permitted, by a local law or ordinance heretofore
  or  hereafter adopted by the common council or other legislative body of
  the city, town or village, permitting the same on  such  day  and  after
  such  hour.  If  in any city, town or village concert or recital dances,
  motion pictures or legitimate theatrical productions are  now  exhibited
  on  the  first  day  of  the  week, they may continue to be so exhibited
  during  such  times  as  the  exhibition  of  such   dances,   pictures,
  productions  and  performances shall not have been prohibited by a local
  law or ordinance heretofore or hereafter adopted by the  common  council
  or other legislative body of such city, town or village.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title W - Miscellaneous Provisions › Article 61 - Miscellaneous Provisions › 61.03 - Maintenance or Employment of Band by a City or Village.

§ 61.03. Maintenance  or  employment of band by a city or village. The
  governing board of any city of the first or second class  may,  and  the
  governing  board  of  a  city  of  the third class or of a village, if a
  proposition be submitted as provided in  this  section  and  adopted  by
  majority  vote  of  the  qualified  voters of the city or village voting
  thereon, shall provide for the maintenance or employment of a  band  for
  musical  purposes, for the entertainment of the public. In a city of the
  third class or a village, a petition, signed and duly acknowledged by at
  least five percentum of the qualified voters of the city or village  may
  be  filed,  within  sixty  days  and not later than thirty days before a
  regular municipal election therein, with the officer or board charged by
  law with the duty of preparing ballots for such election, requesting the
  submission thereat of the proposition  "Shall  this  city  (or  village)
  maintain  or employ a band at an annual expense of not exceeding (amount
  to be inserted) dollars?" Upon the due filing of such a  petition,  such
  proposition  shall  be submitted at such election in the manner provided
  in the election law, and notice  that  such  proposition  is  to  be  so
  submitted  shall be published by such board or officer as follows:  In a
  newspaper published in the city or village once in each of the two weeks
  preceding the election; but if there be no such newspaper, such board or
  officer shall cause such notice to be posted in ten public places in the
  city or village at least ten days before the election.  In such  a  city
  of  the  third  class or village, in which such a proposition shall have
  been adopted, a like petition may be presented after two years  for  the
  submission  of the proposition "Shall the maintenance or employment of a
  band by the city (or village) be discontinued?" Such  proposition  shall
  be  submitted  accordingly  and  if  adopted  by  majority  vote  of the
  qualified voters of the city or village voting thereon, the power of the
  city or village to maintain or employ such  a  band  shall  cease.  This
  section shall not apply to a city or village whose charter makes special
  provision  in relation to the maintenance or employment of a band by the
  city.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title W - Miscellaneous Provisions › Article 61 - Miscellaneous Provisions › 61.05 - Free Public Libraries.

§ 61.05. Free   public   libraries.   Any  municipal  corporation  may
  establish and maintain a free public library  or  museum  in  accordance
  with  the  library provisions of sections two hundred fifty-three to two
  hundred seventy-one, both inclusive, of the education law.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title W - Miscellaneous Provisions › Article 61 - Miscellaneous Provisions › 61.07 - Use of Fireworks in Entertainment Productions in Certain Cities.

§ 61.07. Use  of  fireworks  in  entertainment  productions in certain
  cities. Notwithstanding any other provision of  law,  a  city  having  a
  population  of  one million or more may enact a local law permitting and
  regulating  the  storage,  transportation,  sale  for  use  or  use   of
  fireworks,  as defined in subdivision one of section 270.00 of the penal
  law, in connection with the presentation  in  whole  or  in  part  of  a
  musical,  dramatic,  dance,  operatic  or  other  stage  performance  by
  performers who  appear  in  person  in  the  immediate  presence  of  an
  audience,  which  is  held in any building or part of a building adapted
  and used for such purpose or which has a  stage  for  such  performances
  used  with  scenery or other stage appliances, and to which admission is
  limited to persons  holding  admission  tickets  or  other  evidence  of
  permission  to  enter,  or  in  connection with the production of motion
  pictures.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title W - Miscellaneous Provisions › Article 61 - Miscellaneous Provisions › 61.09 - Use of School House by News Media.

§ 61.09. Use  of  school house by news media. The trustees or board of
  education of any school  district  may  permit,  subject  to  terms  and
  conditions  satisfactory  to  such  trustees  or board, the admission of
  persons and equipment of any  news  medium  to  school  grounds,  school
  houses,  school  buildings  and other locations for the dissemination of
  information by print, broadcast, recording or other means,  of  athletic
  events,  concerts,  lectures and similar activities taking place thereat
  of  interest  to  the  general  public;  provided  that  nothing  herein
  contained  shall  prevent  the  broadcasting  or  televising of any such
  events or activities with or without commercial sponsorship.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title W - Miscellaneous Provisions › Article 61 - Miscellaneous Provisions › 61.11 - Fingerprinting Employees of Public Galleries, Museums, Hospitals, Medical Colleges Affiliated With Hospitals and Private Proprietary Hospitals.

§  61.11.  Fingerprinting  employees  of  public  galleries,  museums,
  hospitals,  medical  colleges  affiliated  with  hospitals  and  private
  proprietary  hospitals.  The  trustees  or board of managers of a public
  gallery of art or museum  housing  valuable  objects  of  art,  precious
  metals  or  precious  stones,  or the trustees or board of managers of a
  legally incorporated hospital, supported in whole or in part  by  public
  funds  or  private  endowment, or the trustees or board of managers of a
  medical college affiliated with such a hospital or the governing body of
  a  private  proprietary  hospital  may,  as  a  condition  of   securing
  employment  or  of  continuing  employment,  require  that  all  of  its
  employees be fingerprinted. Such fingerprints shall be submitted to  the
  division  of  criminal  justice  services  for  a state criminal history
  record check, as defined in subdivision one of  section  three  thousand
  thirty-five  of  the  education law, and may be submitted to the federal
  bureau of investigation for a national criminal history record check.
2023 New York Laws › ACA - Arts and Cultural Affairs › Title W - Miscellaneous Provisions › Article 61 - Miscellaneous Provisions › 61.13 - Earl W. Brydges Artpark.

§ 61.13. Earl  W.  Brydges  Artpark.  Notwithstanding any inconsistent
  provision of law to the contrary, the performing  arts  theatre  in  the
  Niagara  Frontier  region  known  as the Lewiston State Park Arts Center
  shall continue to be known and suitably marked, in a  manner  prescribed
  by  the  commissioner of parks, recreation and historic preservation, as
  the Earl W. Brydges Artpark.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 1 - Short Title.

§ 1. Short  title.  This  chapter,  together  with amendments thereof,
  shall be known as the "banking law", and  shall  be  applicable  to  all
  corporations,  partnerships  and individuals defined in the next section
  and   to   such   other   corporations,   unincorporated   associations,
  partnerships  and  individuals  as  shall  subject themselves to special
  provisions thereof, or who shall, by violating any  of  its  provisions,
  become subject to the penalties provided therein.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 2-A - Limited Liability Investment Company; Definitions.

§ 2-a.  Limited  liability  investment  company; definitions. When the
  provisions of this chapter are applied to the formation and operation of
  a limited liability investment company references to:
1. "Board of directors" shall include the managers  charged  with  the
  management of a limited liability investment company as set forth in its
  articles of organization.
2.  "By-laws"  shall  include  the  operating  agreement  of a limited
  liability investment company.
3. "Capital stock" shall include the cash and property the members  of
  a  limited liability investment company have contributed to the company,
  but  shall  not  include  promissory  notes,  or  other  obligations  to
  contribute cash or property or to perform future services.
4.  "Corporation"  shall  include an unincorporated investment company
  formed as  a  limited  liability  investment  company  pursuant  to  the
  provisions of article twelve of this chapter.
5.  "Director"  shall  include  one  of  the managers charged with the
  management of a limited liability investment company as set forth in its
  articles of organization.
6. "Dividend" shall include the distribution of  a  limited  liability
  investment company's cash or other assets to its members.
7.  "Incorporator"  shall  include the person or persons who is or are
  the organizer or organizers of a limited liability investment company.
8.  "Organization  certificate"  shall   include   the   articles   of
  organization of a limited liability investment company.
9.  "Share" shall include the equity interest of a member of a limited
  liability investment company as set forth in the company's  articles  of
  organization or, in the absence of such a provision, the equity interest
  represented  by a member's right to a proportionate share of the profits
  of the company.
10. "Stock" shall include  the  equity  interest  represented  by  the
  percentage  of  the  total  votes  a member may cast as set forth in the
  articles of organization of a limited liability investment  company  or,
  in the absence of such a provision, the equity interest represented by a
  member's right to a proportionate share of the profits of the company.
11.  "Stockholder"  shall  include  a  member  of  a limited liability
  investment company who has an equity interest represented by his or  her
  right to a proportionate share of the profits or capital of the company.
12.  "Voting stock" shall include the definition of stock as set forth
  in this section.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 2-B - Limited Liability Trust Companies; Definitions.

§  2-b.  Limited  liability  trust  companies;  definitions.  When the
  provisions of this chapter are applied to the formation and operation of
  a limited liability trust company references to:
1. "Board of directors" shall include the managers  charged  with  the
  management  of  a  limited  liability  trust company as set forth in its
  articles of organization.
2. "By-laws" shall  include  the  operating  agreement  of  a  limited
  liability trust company.
3.  "Capital stock" shall include the cash and property the members of
  a limited liability trust company have contributed to the  company,  but
  shall  not  include  promissory notes or other obligations to contribute
  cash or property or to perform future services.
4. "Corporation" shall include an unincorporated trust company  formed
  as  a  limited  liability  trust  company  pursuant to the provisions of
  article three of this chapter.
5. "Director" shall include one  of  the  managers  charged  with  the
  management  of  a  limited  liability  trust company as set forth in its
  articles of organization.
6. "Dividend" shall include the distribution of  a  limited  liability
  trust company's cash or other assets to its members.
7.  "Incorporator"  shall  include the person or persons who is or are
  the organizer or organizers of a limited liability trust company.
8.  "Organization  certificate"  shall   include   the   articles   of
  organization of a limited liability trust company.
9.  "Share" shall include the equity interest of a member of a limited
  liability trust company as  set  forth  in  the  company's  articles  of
  organization or, in the absence of such a provision, the equity interest
  represented  by a member's right to a proportionate share of the profits
  of the company.
10. "Stock" shall include  the  equity  interest  represented  by  the
  percentage  of  the  total  votes  a member may cast as set forth in the
  articles of organization of a limited liability trust company or, in the
  absence of such a  provision,  the  equity  interest  represented  by  a
  member's right to a proportionate share of the profits of the company.
11.  "Stockholder" shall include a member of a limited liability trust
  company who has an equity interest represented by his, her, or its right
  to a proportionate share of the profits or capital of the company.
12. "Voting stock" shall include the definition of stock as set  forth
  in this section.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 4-A - Banks to Display Signs.

§ 4-a.  Banks  to  display signs. Every banking organization having as
  its purpose or  among  its  purposes  the  receipt  of  deposits,  shall
  continuously   display   a   sign,   or  signs,  as  prescribed  by  the
  superintendent of financial services, at each station or  window  within
  the  state  where  deposits  are  usually  and  normally received in its
  principal place of business and in all its branches  indicating  whether
  deposits  are  insured,  and  if insured the name of the insurer and the
  extent to which each depositor is insured. Signs in non-insured  banking
  organizations  shall  clearly  and legibly state "DEPOSITS NOT INSURED",
  all in letters of the same size and character. No sign shall  appear  in
  any  non-insured  bank  with  regard  to insurance or deposits except as
  herein prescribed.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 4-B - Advertising.

§ 4-b.  Advertising. Every such non-insured banking organization shall
  include in all its  advertising  within  the  state  with  reference  to
  deposit  accounts  the statement substantially as follows: "DEPOSITS NOT
  INSURED". Where such advertising is printed the statement  shall  be  of
  such size and print to be clearly legible, all letters in such statement
  being  of  the  same  size  and character. No further reference shall be
  contained in the advertising of non-insured banking  organizations  with
  reference  to  the  insurance  of  depositors  which  shall  tend  to be
  misleading in connection therewith. The non-English  equivalent  of  the
  insurance  statement  may be used in any advertisement provided that the
  entire advertisement is in such language and that  the  translation  has
  had the prior approval of the superintendent of financial services.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 4-C - Exemptions From Certain Provisions of Chapter.

§ 4-c.  Exemptions  from  certain provisions of chapter. Any uninsured
  banking organization whose assets are in excess of two  hundred  million
  dollars  shall be exempt from compliance with the provisions of sections
  four-a, four-b and four-c of this chapter unless otherwise  directed  by
  the superintendent.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6 - Investment in Obligations of Housing Corporations Indirectly Guaranteed Pursuant to the "Servicemen's Readjustment Act of 1944".

§ 6.  Investment  in  obligations  of  housing corporations indirectly
  guaranteed pursuant to the  "Servicemen's  Readjustment  Act  of  1944".
  Subject  to  such  regulations and restrictions as the superintendent of
  financial services finds to be necessary and  proper,  any  bank,  trust
  company  or  savings  bank  may invest in obligations of any corporation
  organized under any law of this state  for  the  purpose  of  acquiring,
  constructing,  owning,  maintaining,  operating,  selling or conveying a
  housing  project  or  projects  (not  including  hotels  but   including
  accommodations  for  retail  stores,  shops, offices and other community
  services reasonably incident  to  such  projects)  located  within  this
  state,  which  obligations  are  (a) secured by a first mortgage lien on
  such project, or such part thereof, as was or is to  be  constructed  or
  acquired  out of the proceeds of such obligations, either directly or by
  issue under  an  indenture  of  mortgage  from  such  corporation  to  a
  corporate  trustee  having  its  principal office in this state, and (b)
  guaranteed  indirectly  through  the  pledge  as  security  therefor  of
  obligations  directly guaranteed under title three of an act of congress
  entitled the "Servicemen's Readjustment Act of 1944",  in  an  aggregate
  amount  equal  to  at least thirty per centum of the principal amount of
  all sums advanced to such  corporation  under  the  loan  instrument  or
  indenture during the period of construction and, upon completion, to the
  extent  of  at  least  forty  per centum of the principal amount of such
  obligations.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-C - Application Forms to Be Made Available; Certain Cases.

§ 6-c.  Application  forms  to  be  made  available; certain cases. 1.
  Every banking  organization  which  originates  loans  secured  by  real
  property  located  in this state shall provide at its principal place of
  business and at all  its  branches  except  automated  teller  machines,
  point-of-sale  terminals  or other similar facilities, application forms
  for such loans which forms shall be made available upon request.
2. Every such organization shall be required, in such  manner  as  the
  superintendent shall determine, to maintain a record of such application
  forms  returned  substantially  completed and the last activity had with
  respect thereto.
3. Every such organization shall  inform  any  person  making  inquiry
  regarding  the  origination of loans secured by real property located in
  this state that written loan application  forms  are  available  at  its
  principal  place  of  business  and at all its branches except automated
  teller machines, point-of-sale terminals or other similar facilities.
4. For purposes of this section "a  loan  secured  by  real  property"
  shall  include  any  loan  secured by a mortgage or other lien upon real
  property including a leasehold estate and any cooperative apartment loan
  subject to the provisions of subdivision five  of  section  one  hundred
  three,  subdivision  eight-a  of  section  two  hundred  thirty-five  or
  subdivision two-a of section three hundred eighty of this chapter.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-D - Requirement to State in Writing Reason for Denial of Mortgage Loan.

§ 6-d.  Requirement  to state in writing reason for denial of mortgage
  loan.  Every banking organization and  licensed  mortgage  banker  which
  originates  mortgage  loans  secured by real property located within New
  York state which denies an application for such  a  loan  or  makes  its
  approval  of  such  a loan conditional upon the applicant's agreement to
  terms substantially different than those included in or contemplated  by
  the  submitted  application shall be required to notify, in writing, any
  person or agent who returns a substantially completed  written  mortgage
  loan  application  form  of  the  reasons  for the denial or conditioned
  approval.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-E - Graduated Payment Mortgages Authorized.

§ 6-e.  Graduated  payment  mortgages  authorized. Notwithstanding any
  inconsistent provision of this chapter or other law and in  addition  to
  any  other power exercisable by it, every banking organization, licensed
  mortgage banker, national banking  association,  federal  savings  bank,
  federal savings and loan association and federal credit union shall have
  the  power  to offer graduated payment mortgages and loans which conform
  to the provisions of  section  two  hundred  seventy-nine  of  the  real
  property  law,  subject  to  the rules and regulations prescribed by the
  superintendent of financial services.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-G - Override of Certain Provisions of United States Public Law 97-320.

§ 6-g.  Override  of  certain  provisions  of United States Public Law
97-320. 1. The provisions of Title VIII of an act of  congress  entitled
"Garn-St  Germain  Depository  Institutions  Act of 1982", United States
Public Law 97-320, and the preemption of state law provided  in  section
804  thereof,  shall not apply with respect to residential real property
and cooperative apartment unit alternative mortgage transactions subject
to the laws of this state except as provided in this section.
2. With respect  to  a  real  property  loan  secured  by  a  lien  on
residential  real  property  containing  less  than five dwelling units,
including a lien on  the  stock  allocated  to  a  dwelling  unit  in  a
cooperative housing corporation or on a residential manufactured home, a
lender  may  not  exercise its option pursuant to a "due-on-sale" clause
upon:
(a) A transfer by devise, descent, or operation of law on the death of
a joint tenant or tenant by the entirety;
(b) The granting of a leasehold interest of three years  or  less  not
containing an option to purchase;
(c) A transfer to a relative resulting from the death of a borrower;
(d)  A transfer where the spouse or children of the borrower become an
owner of the property;
(e) A transfer resulting from a decree of a dissolution  of  marriage,
legal  separation  agreement,  or from an incidental property settlement
agreement, by which the spouse of the borrower becomes an owner  of  the
property; or
(f)  A transfer into an inter-vivos trust in which the borrower is and
remains a beneficiary and that does not relate to a transfer  of  rights
of occupancy in the property.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-H - Reverse Mortgage Loans Authorized.

§ 6-h.   Reverse   mortgage   loans  authorized.  Notwithstanding  any
  inconsistent provision of law, in addition to any other power  exercised
  by it, every authorized lender, as defined by section two hundred eighty
  or  two  hundred eighty-a of the real property law, shall have the power
  to offer reverse mortgage loans (1) which conform to the  provisions  of
  section  two hundred eighty or two hundred eighty-a of the real property
  law and the rules and regulations promulgated by the  superintendent  of
  financial  services;  or  (2)  which  conform to the requirements of the
  federal  housing  administration's  home  equity   conversion   mortgage
  insurance  demonstration  program  for as long as such program exists as
  provided for in section 1715Z-20 of title 12 of the United States  Code.
  "Reverse  mortgage"  shall  mean  the  mortgage,  deed of trust or other
  security instrument relating  to  a  particular  reverse  mortgage  loan
  transaction.
The  proceeds  of a reverse mortgage shall not be considered as income
  for the purposes  of  section  four  hundred  sixty-seven  of  the  real
  property tax law; provided, however, that monies used to repay a reverse
  mortgage may not be deducted from income, and provided additionally that
  any  interest  or  dividends  realized  from  the  investment of reverse
  mortgage proceeds shall be considered income.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-I - Mortgage Loans.

§ 6-i.  Mortgage  loans.  No person, partnership, corporation, banking
  organization, exempt organization as defined  in  section  five  hundred
  ninety  of  this  chapter  or other entity shall make a mortgage loan as
  defined in section  five  hundred  ninety  of  this  chapter  except  in
  conformity  with  the requirements of article twelve-D and in compliance
  with  such  rules  and  regulations  as  may  be  promulgated   by   the
  superintendent of financial services under this section. Nothing in this
  section  shall  be  construed to limit or otherwise modify any otherwise
  applicable requirement of state or federal law.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-J - Proof of Insurance.

§ 6-j.  Proof  of  insurance. 1. No exempt organization, as defined in
  section five hundred ninety of this chapter, or licensed mortgage banker
  which originates mortgage loans shall, at the time of title closing  for
  a loan secured by a one to four family residential real property, refuse
  to  accept  a  binder,  issued  by  an  insurer,  or  a  duly authorized
  representative of an insurer, licensed to do business in this state,  as
  evidence  that  hazard  insurance  has  been  procured for the mortgaged
  premises. Nothing herein is intended to prohibit the mortgage banker  or
  exempt  organization  from  requiring  the  borrower  to  also furnish a
  receipt indicating that  the  annual  or  installment  premium  on  such
  insurance policy has been paid.
2.  As  used  in  this  section, "binder" means a written document (a)
  which includes the name and address of the insured  and  any  additional
  named  insureds,  mortgagees,  or  lienholders;  a  description  of  the
  property insured; a description of the nature  and  amount  of  coverage
  which  shall  be  deemed  to  include  the  terms  of  the standard fire
  insurance policy except  as  conspicuously  noted  on  the  binder;  the
  identity  of  the insurer and of the authorized representative executing
  the binder; the effective date of coverage; the  binder  number  or  the
  policy  number  where  applicable  to  a policy extension, and (b) which
  temporarily obligates the insurer to  provide  that  insurance  coverage
  pending  issuance  of  the  insurance policy. The cancellation of such a
  binder shall be governed  at  the  minimum  by  the  provisions  of  the
  standard  fire  insurance policy and the provisions of the insurance law
  applicable thereto.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-N - Responsibility of Banks for Mortgages Being Processed for Modification.

§  6-n.  Responsibility  of  banks  for  mortgages being processed for
  modification. 1. If a mortgage that is the subject of an application for
  a modification of the mortgage terms is sold or transferred  during  the
  modification  process,  the  bank  or  financial  institution selling or
  transferring such mortgage shall provide the  borrower  with  a  written
  list of all documents relating to such application for modification that
  were  provided  to  the  bank  or  financial  institution  to which such
  mortgage was sold or transferred.
2. If a borrower has been approved in writing for a  first  lien  loan
  modification  or  other  modification  to  avoid  foreclosure,  and  the
  servicing of such borrower's loan is  transferred  or  sold  to  another
  mortgage  servicer,  the  subsequent  mortgage servicer shall assume all
  duties and obligations related to any  previously  approved  first  lien
  loan   modification  or  other  foreclosure  prevention  alternative  in
  accordance with the provisions of this section.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-O - Single Point of Contact for Modifying Delinquent Home Loans.

* §  6-o. Single point of contact for modifying delinquent home loans.
1. A lender shall provide to a borrower  who  is  thirty  or  more  days
delinquent  on  his or her home loan with such lender and who chooses to
pursue a loan modification or other foreclosure prevention  alternative,
a single point of contact for the borrower to reach the lender regarding
pursuing  a  loan  modification.  If at any time the contact information
provided to the borrower changes, a notification of such change shall be
provided by the lender to the borrower within five business days of such
change. The duties imposed on a lender  by  this  section  may  also  be
performed by a mortgage servicer acting on behalf of such lender.
2.  The  single  point  of  contact  required  by  this  act  shall be
responsible for the following:
(a) communicating information regarding options the borrower may  have
for modifying his or her delinquent home loan;
(b)  assisting  the  borrower with identifying documents necessary for
pursuing a loan modification; and
(c)  providing  accurate  information  regarding  the  status   of   a
borrower's  loan modification application should such borrower choose to
apply for a modification.
3. The single point of contact required by this section  shall  remain
assigned  to  the  borrower's  account  until  such  time  as the lender
determines that all loss modification options  have  been  exhausted  or
until the borrower's account becomes current.
4.  For  the purposes of this section, "home loan" shall have the same
meaning as defined in paragraph (e) of subdivision one of section  six-l
of this article.
5.  The  superintendent  of financial services is hereby authorized to
establish rules and regulations as he or she may deem necessary for  the
single point contact required by this section.
* NB There are 2 § 6-o's
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 6-P - Loan Counseling for Mortgages Guaranteed by the Servicemen's Readjustment Act of 1944.

§  6-p.  Loan  counseling for mortgages guaranteed by the Servicemen's
  Readjustment  Act  of  1944.  Every  mortgage  lending  institution  and
  mortgage banker which originates loans secured by real property used for
  residential  purposes  located  in this state which are to be guaranteed
  under the Servicemen's Readjustment Act of 1944 shall provide a separate
  disclosure form with each application stating that a veteran  seeking  a
  housing  loan under chapter 37 of title 38 of the United States Code has
  been offered loan counseling services.  Such  loan  counseling  services
  shall  be provided by the department of veterans' services under section
  twenty-nine-a  of  the  veterans'  services  law  upon  request  of   an
  applicant.  The disclosure form required by this section shall be signed
  by each applicant and shall include information detailing how to  access
  such counseling services.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 7 - Payment of Dividends or Interest Upon Unclaimed Deposits or Shares; Limitation of Charges in Connection With Savings Accounts.

§ 7.  Payment  of  dividends  or  interest  upon unclaimed deposits or
  shares; limitation of charges in connection with savings accounts. 1. No
  banking organization or foreign banking corporation transacting business
  in this state shall discontinue the payment of dividends or interest  on
  any  deposit  made  with such organization or corporation, or reduce the
  rate at which dividends or interest is paid, solely because such deposit
  is inactive or unclaimed, except that payment of dividends  or  interest
  may  be discontinued for the period following June thirtieth of the year
  in which the deposit is  paid  to  the  state  comptroller  pursuant  to
  section  three  hundred  three  of  the  abandoned property law. A share
  issued by a savings and loan association or by a credit union  shall  be
  deemed a deposit for the purposes of this section.
2.  No banking organization or foreign banking corporation transacting
  business in this state shall impose any service charge  on  an  inactive
  savings  account which is higher than the service charge imposed by such
  organization or corporation on  an  active  savings  account;  provided,
  however,  that a banking organization or foreign banking corporation may
  impose a reasonable charge on an  inactive  savings  account  for  costs
  related  to  or  incurred  as  a  result  of  the payment or delivery of
  abandoned property to the state comptroller pursuant  to  the  abandoned
  property law.
3.  The  superintendent  of  financial  services  may  promulgate such
  regulations as he or she deems necessary and  proper  to  implement  and
  define the provisions of this section.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 8 - Deposits by Custodian Designated by Administrator of Veterans' Affairs, or by Person Certified by Social Security Administration.

§ 8.  Deposits  by  custodian designated by administrator of veterans'
  affairs, or by person certified by social security administration.  When
  any deposit shall be made for the benefit of an individual by the person
  who has  been  designated  the  custodian  of  such  individual  by  the
  administrator  of  veterans' affairs pursuant to the provisions of title
  thirty-eight, United States code, "Veterans' Benefits", as  amended,  or
  when  a  deposit  shall  be  made  for the benefit of an individual by a
  person who has been certified by the social security  administration  as
  the  person to whom payment for the benefit of such individual should be
  made pursuant to the provisions of  an  act  of  congress  entitled  the
  "Social  Security  Act",  the  deposit,  together  with  any interest or
  dividends credited thereon,  may  be  paid  to  such  custodian  or  his
  successor  designated  by  the  administrator of veterans' affairs or to
  such  person  or  his  successor  certified  by  the   social   security
  administration,  and  the  receipt  or  acquittance of such custodian or
  person or such successor shall be a valid  and  sufficient  release  and
  discharge to the depositary for any payment so made.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9 - Checks Drawn Against Corporate Funds or Payable to Corporations; No Notice of Defense Against or Claim to Check.

§ 9.  Checks drawn against corporate funds or payable to corporations;
  no notice of defense against or claim to check. Notwithstanding  section
  3-304  of  the  uniform  commercial  code,  the drawing of a check by an
  officer or agent of a corporation against the account of, or in the name
  of the corporation, whether the check is drawn against an account in the
  name of the corporation, or in the name of such officer or agent of  the
  corporation  as such, to himself as payee, or the endorsement of a check
  in the name of the corporation, to himself as endorsee,  and  in  either
  case  the  cashing of such check or the deposit thereof to the credit of
  his personal account, shall not constitute notice to a  private  banker,
  banking  organization  or branch of a foreign banking corporation of any
  defense against or claim to  the  check  on  the  part  of  any  person,
  provided  that the private banker, banking organization or branch has on
  file an authorization from the corporation showing that the  officer  or
  agent  is  authorized on behalf of the corporation to perform any of the
  above acts for unlimited or limited amounts, and that the amount of  the
  check  does  not exceed the maximum limits of the amount so contained in
  the authorization so  filed  for  the  officer  or  agent  when  such  a
  limitation is contained therein.
2023 New York Laws › BNK - Banking › Article 1 - Short Title; Definitions; Miscellaneous Provisions. › 9-A - Defense of Ultra Vires.

§ 9-a. Defense of ultra vires.
No act of a corporation formed under this chapter, or of a corporation
  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, and no transfer of real or personal property to or by such
  a corporation, otherwise lawful, shall be invalid by reason of the  fact
  that  the corporation was without capacity or power to do such act or to
  make or receive such transfer, but such lack of capacity or power may be
  asserted:
1. In an action by a stockholder or member against the corporation  to
  enjoin the doing of any act or the transfer of real or personal property
  by  or to the corporation. If the unauthorized act or transfer sought to
  be enjoined is being, or is to be, performed or made under any  contract
  to  which  the  corporation  is  a  party,  the court may, if all of the
  parties to the contract are parties to the action and if  it  deems  the
  same  to  be  equitable,  set  aside  and enjoin the performance of such
  contract, and in so doing may allow to the corporation or to  the  other
  parties to the contract, as the case may be, such compensation as may be
  equitable  for  the  loss  or  damage  sustained by any of them from the
  action of the court in setting aside and enjoining  the  performance  of
  such  contract; provided that anticipated profits to be derived from the
  performance of the contract shall not be awarded by the court as a  loss
  or damage sustained.
2.  In  an  action  by or in the right of the corporation to procure a
  judgment in its favor against an incumbent or former officer or director
  of the corporation for loss or damage due to his unauthorized act.
3. In an action or special proceeding by  the  superintendent  or  the
  attorney-general  to  annul  or dissolve the corporation or to enjoin it
  from the doing of unauthorized business.