DFS - Consumers

Consumer Alerts

Scams, Schemes & Frauds

Learn how to recognize and report scams and suspected fraud and what you can do to avoid becoming a victim.

Mortgage & Foreclosure

Help for homeowners. Learn what to do if you can no longer afford your home or are facing foreclosure.

Insurance Products

Auto, health, life, home insurance and what you need to know to understand your options and comparison shop.

Banking, Saving & Sending Money

Learn how to open a bank account, about bank fees and interest rates, cashing checks, transmitting money and more.

Credit, Borrowing & Debt

Learn how to safely navigate all kinds of loans and cards, how your credit score can effect the cost of borrowing and more.

Healthy New York

Healthy NY assists small business owners in providing employees and their families with health insurance, sole proprietors and workers whose employers do not provide health insurance.

Health Insurance - Prior Approval Law

This legislation gives the Department the authority to review and approve health insurance premium rate increases before changes take effect.

Insurance Help (for the Seriously Ill ...)

Comprehensive insurance information for the seriously ill and their caregivers, detailing health insurance rights and how to exercise these rights to ensure proper access to health insurance coverage.

Disaster Assistance Information

Learn more about disaster insurance, how natural disasters are treated by insurance policies and what to do if your property is damaged due to a natural disaster.

Small Business Resource Center

Resources, including guides and brochures for small business owners. Also included are links to websites that assist business owners in making important decisions.

Senior Citizens Resource Center

Information for Seniors about Medicare and Medicaid, supplemental insurance, long term care and links to FAQs and other New York state agencies.

Lost Policy Finder

A free service to assist families in locating unclaimed benefits on life insurance policies and annuity contracts insuring the life of, or owned by, a deceased immediate family member.

Force-Placed Insurance

If you believe you are the victim of abusive practices by a mortgage servicer that has taken out force-placed insurance on your home because your own coverage lapsed or is perceived to be insufficient, share your story.

Holocaust Claims Processing Office
The HCPO is the only government entity in the world that provides assistance free of charge to Holocaust victims and their heirs, regardless of their residence, to recover assets deposited in banks, monies that insurance companies failed to pay policy beneficiaries, and artwork that was lost, stolen, or sold under duress between 1933 and 1945.