The DFS Hotline is staffed Monday - Friday, from 8:30 AM to 4:30 PM. Call DFS at (800) 342-3736 or send us an email.

Complaints

• Use our general Consumer Complaint form to file a general complaint with DFS about an insurance company, bank, student loan, mortgage or foreclosure, bail agent, or any other financial service or product.
• Use DFS Connect to file a complaint about a Pharmacy Benefit Manager or drug price spike.
• Healthcare providers should use our online Healthcare Provider Complaint Form to file a complaint about prompt payment, no fault, or workers compensation claims.

Learn how to file a Consumer or Provider Complaint.

External Appeals

If your insurer or HMO denies health care services as not medically necessary, experimental/investigational or out-of-network, you have the right to appeal to the Department of Financial Services. This is known as an External Appeal. Health care providers also have the right to an appeal when services are denied.

• Learn how to file an External Appeal.

Surprise Medical Bills

You can submit a dispute through the Independent Dispute Resolution (IDR) process for surprise bills for emergency services.

• Learn how to dispute a Surprise Medical Bill.

No-Fault Arbitration

If you submit a No-Fault claim to an insurance company and the insurer does not respond or issues a formal denial of claim, you can take the insurer to court, file a written complaint with us, the Department of Financial Services, or file for No-Fault arbitration.

• Learn how to file for No-Fault Arbitration.

If you are unable to find the answer to a licensing question on our website, call (800) 342-3736 (Monday through Friday, 8:30 AM to 4:30 PM). Local calls can be made to (212) 480-6400 or (518) 474-6600. Questions for the Insurance Licensing Unit can be emailed to [email protected].

Insurance Fraud is a crime that victimizes every resident of New York State, costing consumers millions of dollars in the form of increased premiums and higher prices for goods and services. The exact cost of insurance fraud is difficult to estimate because much of it goes unreported.

If you suspect that insurance fraud has been committed learn how to report insurance fraud to DFS.

The Freedom of Information Law (FOIL) provides the public right to access to records maintained by government agencies with certain exceptions. 

• Learn more about requesting DFS records under the Freedom of Information Law.

If you would like to speak to someone in our Public Affairs office, please call (212) 709-1691. 

Inquiries can also be emailed to [email protected].

Submit legal inquiries to our Office of General Counsel via email to [email protected], or by regular mail to New York State Department of Financial Services, Office of General Counsel, 1 State Street, New York, NY 10004-1511. Include your full mailing address, email address and phone number in all inquiries.

Comment on a Proposed Regulation

The Department encourages anyone interested in a proposed regulation to use the public comment period to submit a written comment on a proposed regulation. Comments can be submitted to the Agency Contact noted next to the proposed regulation. Questions regarding the content of a specific proposed regulation may also be sent via email to the listed Agency Contact.

Comment on a Weekly Banking Bulletin Item

Comments on, or objection to, any item in the Weekly Banking Bulletin should be submitted within 10 calendar days of the date of the bulletin posting (unless a different time period is specified in the item) by mail or in person to New York State Department of Financial Services, Office of the General Counsel, 1 State Street, New York, New York 10004 or by email to [email protected].

Comment on a Health Insurance Rate Increase

Insurance companies are required to send you a notice about a proposed premium rate increase when they file their application with DFS to increase the rate. The notice should state that an application has been filed and that you can review the application on this website, where you can also learn more about rate increases or submit comments about a proposed premium increase.

Comment on a Bank Scheduled for CRA Examination

DFS encourages public comment on the performance of banks scheduled for New York State CRA evaluations. You may submit written comments concerning local credit needs and/or the performance of specific banks prior to, or during the examination. You should submit comments early enough to ensure a thorough review. Direct all comments or questions via email to [email protected] or by mail to Department of Financial Services, Consumer Examinations Unit, Consumer Protection and Financial Enforcement Division, New York State Department of Financial Services, 1 State Street, 7th Floor, New York, New York 10004-1511.

New York City

New York State Department of Financial Services
1 State Street
New York, NY 10004-1511

Albany

New York State Department of Financial Services
1 Commerce Plaza
Albany, NY 12257

Buffalo

535 Washington Street, Suite 305
Buffalo, New York 14203

Garden City

1399 Franklin Avenue
Suite 203
Garden City, NY  11530

Syracuse

New York State Department of Financial Services
333 East Washington Street
Syracuse, NY 13202

If you have technical questions about this website or want to report an issue or a broken link please email our webmaster.

Portal or LINX

• General Help with DFS Portal
• Help with forgotten password, locked accounts and MFA issues
• If you still need technical assistance, submit a Portal Help Form

DFS Connect and MY NY.gov for Consumers

• If you need help with My NY.gov, visit MY NY.Gov.
• If you need help with DFS Connect, call the DFS Helpline (Monday-Friday, 8:30 AM to 4:30 PM) at (800) 342-3736 or send us an email.

Cybersecurity filings

Note to NY LINX Users: You need a DFS Portal account to submit cybersecurity filings, your LINX username and password will not work to access the DFS Portal.

• Visit the Cybersecurity Resource Center
• If you still have questions about the Cybersecurity filing process email [email protected]

Terrorism Risk Insurance (TRIA)

• Email questions to [email protected]