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Industry Guidebook

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Mortgage Industry Guidebooks

New York’s laws and DFS regulations form a complex matrix of regulatory requirements. Below, please find comprehensive guidebooks that will help companies and individuals apply for, and maintain a license.  These guidebooks provide an overview of the regulatory requirements and boil them down into comprehensible directions on what information to file with DFS, at what times, and what licensees and registrants are and are not permitted to do as a regulated entity.

Please bookmark this page and check it regularly as guidebooks may be updated to account for any new or revised mortgage-related federal and state laws and regulations, and Department policies and procedures.

Mortgage Broker Guidebook (PDF)
(Updated July 2015)

Mortgage Banker Guidebook (PDF)
(Updated September 2015)