Industry Letters

To receive an email notification when this page is updated sign up for Industry Letter Alerts. To update your subscriptions or modify your password or email address, visit subscriber preferences.

Note: Explanatory letters issued in connection with the proposal or adoption of regulations can be found in our Regulatory and Legislative Activities section.

Date PublishedSubjectCategory
2024-11-01Cybersecurity Advisory – Threats Posed by Remote Technology Workers with Ties to Democratic People’s Republic of KoreaCybersecurity
2024-10-16Cybersecurity Risks Arising from Artificial Intelligence and Strategies to Combat Related RisksCybersecurity
2024-09-27Cybersecurity Threat Alert – Social Engineering of Institutions’ IT Help Desk PersonnelCybersecurity
2024-07-19Guidance Letter - Notice Regarding Crowdstrike Global OutageCybersecurity
2024-05-30Guidance Regarding Customer Service Requests and ComplaintsVirtual Currency
2024-05-13Resource to Assist Small Businesses with Development of Cybersecurity Program, Pursuant to DFS Cybersecurity RegulationCybersecurity
2024-05-09DFS Update Report - Analysis of New York Insurers’ NAIC Climate Risk Disclosure Survey ResponsesClimate Change
2024-01-22Guidance on Assessment of the Character and Fitness of Directors, Senior Officers, and Managers Banking
2024-01-12Cybersecurity Alert – Self-Service Password ResetCybersecurity
2023-12-27First American Financial & Email VigilanceCybersecurity
2023-12-21Letter Regarding Guidance on Management of Material Financial and Operational Risks from Climate ChangeBanking, Mortgage
2023-12-21Guidance for New York State Regulated Banking and Mortgage Institutions on Managing the Material Financial and Operational Risks from Climate ChangeBanking, Mortgage
2023-11-15Guidance on One-Time Adjustment of Federal Student LoansStudent Loans
2023-11-15Guidance Regarding Listing of Virtual CurrenciesVirtual Currency
2023-11-14Cybersecurity Threat Alert - Citrix Bleed VulnerabilityCybersecurity
2023-11-10UPDATE: New York Pharmacy Benefit Manager (PBM) License ApplicationPharmacy Benefit Managers
2023-10-31New York Pharmacy Benefit Manager (“PBM”) License ApplicationPharmacy Benefit Managers
2023-09-18Proposed Updates to Guidance Regarding Listing of Virtual CurrenciesVirtual Currency
2023-09-18General Framework for Greenlisted CoinsVirtual Currency
2023-09-11Notice on Promoting Basic Banking AccountsBanking
2023-07-18Ensuring Auto Loan Borrowers Receive Pro-Rata Rebates for Cancelled Ancillary ProductsGeneral
2023-06-02MOVEit Transfer VulnerabilityCybersecurity
2023-05-09Proposed Guidance on Assessment of the Character and Fitness of Directors, Senior Officers, and ManagersBanking
2023-04-032022 Volume of Operations Report (VOOR) FilingsMortgage
2023-03-31Extension of the Public Comment Period Relating to Request for Public Comments Regarding the Presumption of Control of a New York-Chartered or Licensed Depository or Non-Depository InstitutionBanking
2023-03-09Guidance on Holding Hybrid MeetingsCredit Unions
2023-01-30Maximum Check Casher FeeCheck Cashers
2023-01-23Guidance on Custodial Structures for Customer Protection in the Event of InsolvencyVirtual Currency
2022-12-27Letter to New York State and Federally Chartered Banking Organizations Regarding the December 2022 Blizzard in Upstate New YorkBanking
2022-12-21Proposed Guidance to Banking and Mortgage Entities on Managing Risks of Climate ChangeBanking, Mortgage
2022-12-20Request for Public Comments: Presumption of Control of a New York-Chartered or Licensed Depository or Non-Depository InstitutionBanking
2022-12-16New York Subprime Law Requirement and Discontinued Publication of the Primary Mortgage Market Survey Rate for 5/1 Adjustable Rate Mortgage LoansMortgage
2022-12-15Prior Approval for Covered Institutions' Virtual Currency-Related Activity (PDF)Banking
2022-11-30Health Equity Programming and Collection of Race, Ethnicity, and Other Demographic DataHealth
2022-11-15Absence from the Office as an Internal Control SafeguardBanking
2022-11-14Consideration of Proposed Fee Modifications for Licensed Budget PlannersBudget Planners
2022-11-08Request for Information Regarding Private Student Loan Refinancing in New York StateGeneral
2022-09-23Guidance Letter to New York State Chartered Banking Organizations Regarding Hurricane Fiona in Puerto RicoBanking
2022-09-14Notice Regarding Ethereum’s Upcoming Protocol ChangeVirtual Currency
2022-07-13Best Practices for Promoting Public Service Loan ForgivenessStudent Loans
2022-07-12Avoiding Improper Practices Related to Overdraft and Non-Sufficient Funds FeesBanking
2022-06-08Guidance on the Issuance of U.S. Dollar-Backed StablecoinsVirtual Currency
2022-05-17Reverse Mortgage Loans for Cooperative Apartment UnitsMortgage
2022-05-05Notice to Pharmacy Benefit Managers Regarding Mandatory Registration and First Annual Report With NYS Department of Financial Services Pursuant to Insurance Law §§ 2902-2904Pharmacy Benefit Managers
2022-04-28Guidance on Use of Blockchain AnalyticsVirtual Currency
2022-04-15Offering Bank On Accounts as an Alternative to New York Basic Banking AccountsBanking
2022-04-07Compliance with 23 N.Y.C.R.R. § 1.3(b) and the new Consumer Credit Fairness ActDebt Collection
2022-02-25Escalating Situation in Ukraine and Impact to Financial SectorGeneral
2022-01-21Extension of the Public Comment Period Relating to Vacation Policy as an Internal Control Safeguard RFIBanking
2022-01-10Application of Banking Law § 9-y to Credit UnionsBanking
2022-01-04Request for Information Regarding Vacation Policy as an Internal Control Safeguard (Updated 2022-01-21)Banking
2021-12-28New York State Department of Labor to Implement Change to Excluded Workers Fund Prepaid CardsBanking
2021-12-22Fee Waiver for Holocaust Reparation PaymentsBanking
2021-12-17Log4j VulnerabilityCybersecurity
2021-12-07Guidance on Multi-Factor AuthenticationCybersecurity
2021-11-15Guidance for New York Domestic Insurers on Managing the Financial Risks from Climate ChangeInsurance
2021-10-28Loss Mitigation for Borrowers impacted by COVID-19Mortgage
2021-10-22Adoption of an Affiliate’s Cybersecurity ProgramCybersecurity
2021-08-31Preventing Sexual Orientation Discrimination in Mortgage LendingMortgage
2021-07-29Diversity, Equity, and Inclusion and Corporate GovernanceBanking
2021-06-30Ransomware GuidanceCybersecurity
2021-05-19Tangible Net Worth CalculationCheck Cashers
2021-04-26Pulse Connect Secure Critical VulnerabilityCybersecurity
2021-04-19Cyber Fraud Alert Follow-Up: New York Insurance Identification (ID) Card Barcode VulnerabilityCybersecurity
2021-04-14Evidence of Future Possession of Location of BusinessCheck Cashers
2021-03-25Proposed Guidance for New York Domestic Insurers on Managing the Financial Risks from Climate ChangeInsurance
2021-03-30Cyber Fraud Alert Follow-UpCybersecurity
2021-03-09Microsoft Reports Exploitation of Four Vulnerabilities in Microsoft Exchange ServerCybersecurity
2021-02-16Cyber Fraud Alert on Nonpublic Information (NPI)Cybersecurity
2021-02-12Annual Maximum Check Casher FeeCheck Casher
2021-02-09CRA Consideration for Activities that Contribute to Climate Mitigation and AdaptationGeneral
2020-12-18Supply Chain Compromise AlertCybersecurity
2020-10-29Letter to All Regulated Entities on Climate Change and Financial RisksGeneral
2020-09-01Guidance to New York State Regulated Mortgage Lenders and Servicers Relating to Fees Paid to Register Mortgages in DefaultMortgage Banking
2020-07-14FinCEN Guidance to Financial Institutions with Respect to Hemp-Related Business CustomersGeneral
2020-06-30Alert Regarding Amendments to the New York Community Reinvestment ActGeneral
2020-06-30CRA Consideration for Activities in Response to COVID-19General
2020-06-24Notice of Virtual Currency Business Activity License Application ProceduresVirtual Currency
2020-06-24Guidance Regarding Adoption or Listing of Virtual CurrenciesVirtual Currency
2020-06-24Request for Comments on a Proposed Framework for a Conditional BitLicenseVirtual Currency
2020-06-17Guidance to New York State-Regulated Financial Institutions Regarding Support for New York Consumers Impacted by the Novel Coronavirus (COVID-19)General
2020-06-17Guidance to New York State-Regulated Consumer Credit Reporting Agencies Regarding Support for New York Consumers Impacted by COVID-19General
2020-06-12Compliance with 3 NYCRR Part 419, Servicing Mortgage Loans: Business Conduct RulesMortgage Banking
2020-05-22Advisory on Medical Scams Related to COVID-19General
2020-04-13Guidance to Regulated Entities Regarding Cybersecurity Awareness During COVID-19 PandemicCybersecurity
2020-04-07Guidance to New York State-Regulated Student Loan Servicers Regarding Support for Borrowers Impacted by COVID-19General
2020-04-05Community Development Financial Institutions (CDFIs)General
2020-04-03Guidance to DFS Regulated Entities Regarding Cybersecurity Awareness During COVID-19 PandemicCybersecurity
2020-04-03Paycheck Protection Loan ProgramGeneral
2020-03-26Guidance Regarding Electronic Signatures, Transactions, and Filings with DFSInsurance
2020-03-19Guidance to New York State Regulated Financial Institutions Regarding Support for Consumers and Businesses Impacted by COVID-19General
2020-03-19Guidance to New York State Regulated and Exempt Mortgage Servicers Regarding Support for Borrowers Impacted by COVID-19Mortgage Banking
2020-03-10Guidance to Regulated Institutions Engaged in Virtual Currency Business Activity and Request for Assurance Relating to Operational and Financial Risk Arising from the Outbreak of the Novel Coronavirus (COVID-19)General
2020-03-10Guidance to New York State Regulated Banks, Credit Unions and Licensed Lenders Regarding Support for Businesses Impacted by the Novel CoronavirusGeneral
2020-03-10Guidance to New York State Regulated Institutions and Request for Assurance Relating to Potential Financial Risk Arising from the Outbreak of the Novel CoronavirusGeneral
2020-03-10Guidance to New York State Regulated Institutions on Operational Risk Arising from the Outbreak of the Novel CoronavirusGeneral
2020-02-28Annual Maximum Check Casher FeeCheck Casher
2020-02-12Compliance with Law Requiring Immediate Release of Liens Upon Clearance of PaymentGeneral
2020-02-05Regulated Institutions May Receive CRA Consideration for Participation in New York Fed Investment Connection Program in Puerto RicoGeneral
2020-02-05Guidance to New York State Regulated Institutions Regarding the Earthquakes in Puerto RicoGeneral
2020-01-23Request for Assurance of Preparedness for LIBOR Transition (Update)General
2020-01-04Cybersecurity Risk AlertCybersecurity
2020-01-02Increase in Maximum Check Casher FeeCheck Casher
2019-12-23Request for Assurance of Preparedness for LIBOR TransitionGeneral
2019-12-11

Proposed Guidance Regarding Adoption or Listing of Virtual Currencies

WITHDRAWN – This Guidance is withdrawn and no longer in effect; it is superseded by the Department’s November 15, 2023, Guidance Regarding Listing of Virtual Currencies.

Virtual Currency
2019-02-14Annual Maximum Check Casher FeeCheck Casher
2019-01-07Guidance on Whistleblowing ProgramsAll Entities
2018-12-21Letter Regarding DFS Cybersecurity Regulation – First Two Years and Next StepsCybersecurity
2018-09-25Guidance on Permissible Lending Practices Regarding Rent-Stabilized Multi-Family Residential BuildingsGeneral
2018-08-23Indirect Automobile Lending and Compliance with New York’s Fair Lending StatuteGeneral
2018-07-03Guidance on Provision of Financial Services to Medical Marijuana and Industrial Hemp-Related Businesses in New York StateGeneral
2018-04-19Guidance on Risk Management Relating to the NRA and Similar Gun Promotion Organizations - Banking IndustryGeneral
2018-04-19Guidance on Risk Management Relating to the NRA and Similar Gun Promotion Organizations - Insurance IndustryGeneral
2018-03-16April 16, 2018 Transaction Monitoring Regulation Certification Filing DeadlineGeneral
2018-02-07Guidance on Prevention of Market Manipulation and Other Wrongful ActivityVirtual Currency
2018-02-05Annual Maximum Check Casher FeeCheck Casher
2017-11-28DFS Student Branches Credit Union OrderGeneral
2017-10-19Low-Income Designation for New York State Chartered Credit UnionsGeneral
2017-10-04Guidance to New York State Chartered Banks Regarding Hurricanes Maria and Irma in Puerto Rico and the U.S. Virgin IslandsGeneral
2017-09-18Guidance Relating to Equifax Data Breach - Banking IndustryBanking
2017-09-18Guidance Relating to Equifax Data Breach - Insurance IndustryInsurance
2017-06-28Use of Temporary Limited Service Units or Facilities by New York State Chartered Credit UnionsCredit Union
2017-05-22Guidance on Acquisition of Control of Banking InstitutionsBanking
2017-04-05Wild Card Relief from Oaths of Office by Officers, Directors and Committee Members of New York State Chartered Credit UnionsCredit Union
2017-04-04The Exempt Income Protection ActGeneral
2017-02-13Annual Maximum Check Casher FeeCheck Casher
2016-10-11Guidance on Incentive Compensation ArrangementsGeneral
2016-02-15Annual Maximum Check Casher Fee (updated January 22, 2016)Check Casher
2016-01-19The Primary Mortgage Market Survey and Subprime Lending in New YorkMortgage Banking
2015-10-13Requirements on Use of Symphony Communication ServicesGeneral
2015-08-07Appearance Enhancement Facilities - Wage Payment Surety BondsInsurance
2015-02-26Guidance for Financial Institutions on Preventing Elder Financial ExploitationGeneral
2015-02-15Annual Maximum Check Casher FeeCheck Casher
2014-12-10New Cyber Security Examination ProcessCybersecurity
2014-12-04Updated Final Guidelines for Bank Lending to Multifamily Properties Under the Community Reinvestment ActCRA
2014-09-16Elimination of Manual Submission of Quarterly Commitment Data by Mortgage BankersMortgage Banking
2014-02-21Annual Maximum Check Casher FeeCheck Casher
2014-02-06FS-ISAC Participation Recommended For All NYS-Chartered Depository InstitutionsGeneral
2013-10-25Recent Amendments to New York General Business Law Affecting Consumer Credit Card Information and Related Notices on StatementsGeneral
2013-09-26Changes and Clarifications to Pre-Foreclosure Filings with the Department of Financial ServicesMortgage Banking
2013-09-05Guidelines for Bank Lending to Multifamily Properties Under the Community Reinvestment ActCRA
2013-07-31CRA Credit in Designated Disaster Areas and the New York Rising Community Reconstruction ProgramCRA
2013-07-03

Determination of Subprime Home Loans under Section 6-m of the New York Banking Law 

Mortgage Banking
2013-04-05Reforming Force-placed InsuranceInsurance
2013-03-19Executive Order #52 and Pre-Foreclosure Notices and Filings with the Department of Financial ServicesMortgage Banking
2013-02-12Annual Maximum Check Casher FeeCheck Casher
2012-10-24Contact Information for Notices Required by Real Property Actions and Proceedings Law § 1303General
2012-02-06Annual Maximum Check Casher FeeCheck Casher
2012-01-04Adoption of amendments to Part 39 of the General Regulations of the Banking BoardBanking
2011-12-19Withholding Charges to Borrowers Due to Closing of the Baum FirmMortgage Banking
2011-09-14Notice to Persons First Required to Register as Mortgage Loan Servicers by August 24, 2011 Emergency Adoption of Part 418 of the Superintendent’s RegulationsMortgage Banking
2011-06-16Addition of Statement to Introductory Paragraph of Written Mortgage Application and Part 38.3 of the General Regulations of the Banking BoardMortgage Banking
2011-05-10Deeds-in-Lieu of Foreclosure and § 265-a of the Real Property LawMortgage Banking
2011-04-29New Interim Federal Rule Regarding the Garnishment of Bank Accounts Containing Federal Benefit PaymentsGeneral
2011-04-19Foreign Exchange Dealers May be Required to be Licensed as Money TransmittersGeneral
2011-03-31Money Transmitters with No Physical Presence in New YorkGeneral
2011-03-17Filing of Quarterly Mortgage Call Report | Nationwide Mortgage Licensing System and Registry (NMLS)Mortgage Banking
2011-02-18Corporate Credit Unions UpdateGeneral
2011-02-08Annual Maximum Check Cashers FeeGeneral
2011-02-04Pursuant to New York Banking Law Article 12-E and Part 420 of the Superintendent’s RegulationMortgage Banking
2010-10-28Corporate Credit Unions and the National Credit Union AdministrationGeneral
2010-10-26Supplemental Guidance on Procedures For Review and/or Approval of Certain New ProductsGeneral
2010-10-20Obligation of Organizations Exempt from Licensing as Mortgage Loan Servicers to Comply with Mortgage Servicer Notice and Conduct of Business RulesMortgage Banking
2010-10-08Request for Mortgage Servicer Review of Foreclosure PracticesMortgage Banking
2010-10-06Industry Letter to Highlight Bank On Manhattan InitiativeGeneral
2010-09-23Alert to Increased Cyber Fraud Through Web-based Payment ServicesCybersecurity
2010-07-21Mortgage Loan Originator LicensingMortgage Banking
2010-03-22Potential CRA and Business OpportunitiesGeneral
2010-02-16Annual Maximum Check Cashers FeeCheck Casher
2010-01-08New York Banking Law Article 12-E and Superintendent’s Regulation Part 420 revised draftMortgage Banking
2009-12-17Article 12-E of the New York Banking Law and Revised Part 420 of the Superintendent’s RegulationMortgage Banking
2009-12-15Mortgage Loan Servicers Proposed Business Conduct Rules -- Part 419 of the Superintendent’s RegulationsMortgage Banking
2009-12-15

Disclosure of Broker Compensation and Other Fees

Mortgage Banking
2009-09-10Updates Regarding Exempt FundsGeneral
2009-02-13Annual Maximum Check Cashers FeeCheck Casher
2009-01-28Federal Low Income Housing Tax Credit Program (LIHC)General
2009-01-20Amendments Regarding Exempt FundsGeneral
2009-01-07Definition of “Spouse” for purposes of the Banking LawGeneral
2008-08-27Subprime Lending Reform BillMortgage Banking
2008-07-10Reporting of Malicious Software Intrusions, Suspicious Websites, Phishing E-Mails and Lost or Stolen Data (update)General
2008-07-09Statutory Prohibitions Against “Tying” Title Insurance to Mortgage FinancingMortgage Banking
2008-06-26Implementation of Community Deposit ProgramGeneral
2008-02-15Annual Maximum Check Casher FeeCheck Casher
2008-01-25Tax Preparation Firms Conducting Check Cashing ActivityGeneral
2007-12-19Mortgage Loan Originator AuthorizationMortgage Banking
2007-12-17VISA Inc. stock offering to members of Visa U.S.A.General
2007-10-22New Wildcard Authority Under New York State Banking LawGeneral
2007-07-30Statement on Subprime Mortgage LendingMortgage Banking
2007-06-27Sales Finance Companies: Licensing Requirements for Secondary HoldersGeneral
2007-05-25Guidance Statements on Mortgage Lending StandardsMortgage Banking
2007-05-24

Changes in the billing process for the general assessment for all Mortgage Brokers

Mortgage Banking
2007-02-12

Pledged Assets for Well-Rated Foreign Banking Organizations

General
2007-02-12Annual Maximum Check Casher FeeCheck Casher
2007-02-01Home Equity Theft Prevention ActMortgage Banking
2007-01-10All Institutions Letter Concerning Banking Department Procedures for Review and/or Approval of Certain New Products of Banking OrganizationsGeneral
2006-09-18New York State Department of Labor Issuance of Direct Payment Cards for Unemployment Insurance BenefitsGeneral
2006-09-13Fair Lending Examinations of Mortgage BrokersMortgage Banking
2006-08-30CashPoint Legal NoticeGeneral
2006-08-04Changes in the Banking Law Pertaining to the General Assessment, Expiration and Suspension of a License and Annual Registration FeesMortgage Banking
2006-07-03New York Flooding Disaster - Guidance LetterGeneral
2006-05-00Application Fee Schedule ChangeGeneral
2006-04-06Best Practices of Multi-Family LendersGeneral
2006-03-17Motor Vehicle Sales Finance Companies: Prompt Delivery of Certificate of TitleGeneral
2006-02-102006 - Revised Maximum Check Cashing FeeCheck Casher
2005-11-30Clarification on Disaster Assistance CRA GuidelinesGeneral
2005-10-13Assistance to Victims of the Pakistani EarthquakeGeneral
2005-09-02Assistance for the Victims of Hurricane KatrinaGeneral
2005-08-11Overdraft Protection ProgramsGeneral
2005-05-09Regulation C - Home Mortgage Disclosure Act Reporting Revisions and NY State Part 41 LoansMortgage Banking
2005-05-04Information on 2Q Assessments - Mortgage BankersMortgage Banking
2005-05-04Information on 2Q Assessments - Mortgage BrokersMortgage Banking
2005-03-24Budget Planner Surety Bond/Pledge of AssetsGeneral
2005-03-182004 VOOR: Failure to FileMortgage Banking
2005-02-11Check Clearing for the 21st Century Act and Section 9-m of the Banking LawGeneral
2005-02-07Annual Maximum Check Casher FeeCheck Casher
2004-10-29Fair and Accurate Credit Transactions ActMortgage Banking
2004-06-25Part 410 of the Superintendent’s Regulations Application DefinitionMortgage Banking
2004-07-01Increased Bond Requirement Effective July 1, 2004Mortgage Banking
2004-06-30Bank partnerships with supportive housing organizations and agenciesGeneral
2004-06-04Examination of budget planner activities and fee structureGeneral
2004-04-02Guidance on Debt Cancellation Contracts and Debt Suspension Agreements by State Chartered Banks, Trust Companies, Savings Banks, Savings and Loan Associations, Credit Unions and Licensed Foreign Branches and AgenciesGeneral
2004-02-13The New York State Banking Department Has Consolidated its Toll Free Help and Complaint Lines into One Number: 1-877-BANK NYSGeneral
2004-02-02Revised Bond Form and Deposit Agreement - Mortgage BankersMortgage Banking
2004-02-02Revised Bond Form and Deposit Agreement - Mortgage BrokersMortgage Banking
2004-01-31Best Practices for Issuers of Debit Cards-ReissueGeneral
2004-01-20Municipal Revenue Bond Underwriting by Banks and Trust CompaniesGeneral
2003-12-29Amendments to Part 410 of the Superintendent's Regulations Concerning New Surety Bond Requirement or Deposit of Assets and Consultants who are Felons.Mortgage Banking
2003-12-29Amendments to Part 410 of the Superintendent's Regulations Concerning New Surety Bond Requirement or Deposit of Assets, Documentation, Records and Reporting Requirements and Consultants who are Felons.Mortgage Banking
2003-12-24Revisions to New York’s Executive Law Section 296-a (edited March 26, 2018)General
2003-09-26New York's Financial Planning and Awareness WeekGeneral
2003-09-18Authority for Banks to Close Absent Governor’s Declaration of Bank HolidayGeneral
2003-09-08Best Practices for the Prevention of Bank RobberiesGeneral
2003-08-12Employees with Felony Criminal Records, Hazard Insurance, Unlicensed Branch Offices, and Yield Spread PremiumsMortgage Banking
2003-07-23ATM Video RetentionGeneral
2003-06-16Clarification of Part 14 Notifications and FilingsGeneral
2003-05-28Reporting of Malicious Software Intrusions and Web Site DefacementsGeneral
2003-05-08Banking Department Offers Guidance to the Industry Regarding Recent Bank RobberiesGeneral
2003-03-24Creditor Negotiations with Budget PlannersGeneral
2003-01-06Guidance on Bank Owned Life Insurance (BOLI) ProgramsGeneral
2002-11-15Examination Questionnaires and Office of the OmbudsmanGeneral
2002-03-22Institutions that Engage Arthur Andersen and Contingency Plans for VendorsGeneral
2002-02-19Bank Partnerships with Childcare/Community Development IntermediariesGeneral
2001-12-20Best Practices for Issuers of Debit CardsGeneral
2001-11-08Check Imaging on Checking Accounts and Basic Banking AccountsGeneral
2001-11-07Guidance for CRA Credit for Activities in Downtown ManhattanGeneral
2001-10-29Compliance with Privacy of Consumer Financial InformationGeneral
2001-10-29Update on President Bush's Executive Order Freezing Assets that Support TerrorismGeneral
2001-10-09Further Guidance on President Bush's Executive Order Freezing Assets that Support TerrorismGeneral
2001-10-02Guidance for Licensed Money Transmitters on President Bush's Executive Order Freezing Assets that Support TerrorismGeneral
2001-09-27Guidance on President Bush's Executive Order Freezing Assets That Support TerrorismGeneral
2001-09-24Bulletin from the Office of Foreign Assets ControlGeneral
2001-09-24

New York Disaster - Guidance Letter 2

General
2001-09-14New York Disaster - Guidance LetterGeneral
2001-07-26Due Diligence Recommendations Concerning the Eligibility of Loan Purchases and Investments for Consideration under the Community Reinvestment ActGeneral
2001-06-25Consideration under the Community Reinvestment Act of Activities by Limited Purpose Commercial Bank Affiliates of Savings BanksGeneral
2001-06-04Foreign Branches and Agencies Establishing Operating Subsidiaries - Guidance LetterGeneral
2001-04-30The Record Retention Requirements of the Federal Electronic Signatures in Global and National Commerce ActGeneral
2001-02-16Fair Lending ExaminationsMortgage Banking
2001-02-15Indirect Automobile Lending, Advice for Sales Finance CompaniesGeneral
2001-02-15Indirect Automobile Lending, Advice for Financial InstitutionsGeneral
2001-01-26Superintendent Elizabeth McCaul issues All Institutions Letter on Internal Controls and Management StewardshipGeneral
2000-09-11Letter Pertaining to ATM Video Tape UsageGeneral
2000-08-07Letter Reminding Financial Institutions of the Importance of Strict Compliance with Escheatment ObligationsGeneral
2000-06-13Payday LoansGeneral
2000-06-01Recording Domain NamesMortgage Banking
2000-02-18Fair Lending Plan-Guidance LetterGeneral
2000-01-31Letter Urging Institutions to Partner with Youth Development Programs Serving Low and Moderate Income PopulationsGeneral
1999-12-21Letter on Know Your Customer Procedures for Electronic Cash Management ServicesGeneral
1999-07-19Fair Lending Plan RequirementsGeneral
1999-07-01Mortgage Banking Questionnaire (PDF)Mortgage Banking
1999-06-14Disclosing the Termination of Private Mortgage Insurance, Yield Spread Premiums, and Net Branching GuidelinesMortgage Banking
1999-06-11Fair Lending Plan RequirementMortgage Banking
1999-02-23Best Practices for ATM Video Tape UsageGeneral
1999-02-19Streamlined Procedures for Additional Licensed Lender LocationsGeneral
1998-12-17Advisory Notice on Compliance with ATM Safety ActGeneral
1998-09-18Letter Urging Banks to Help Develop and Support Child Care ProgramsGeneral
1998-08-27Best Practices Letter and Guide on Foreclosure Prevention/Mitigation for Affordable Mortgage LendingGeneral
1998-08-27AdvertisingMortgage Banking
1998-08-26Fair Lending Policies and ProceduresMortgage Banking
1998-06-10Letter to Foreign Banks Clarifying Need for Branch, Agency or Representative Office Applications as a Result of a Merger or ConsolidationGeneral
1997-12-05Mortgage Banker/Broker BranchesMortgage Banking
1997-12-01Year 2000 SurveyMortgage Banking
1997-03-11Responsibilities of the Banking and Brokering IndustryMortgage Banking
1996-09-30Guidelines for New York State Chartered Banks and Trust Companies Engaging in Insurance Sales ActivitiesGeneral
1996-09-25The Year 2000 EDP SurveyGeneral
1996-09-25Banking Law Section 351 - Licensed Lenders, Annual Fees on Open-End LoansGeneral
1996-00-00Securing Approval of the Superintendent to Use Certain Prohibited Names in a Proposed Business TitleGeneral
1996-08-22Vacation PolicyGeneral
1996-06-00June 1996 Report on Foreign Banks in New YorkGeneral
1996-05-28Mortgage FraudMortgage Banking
1996-01-23Residential Mortgage Lending FeesMortgage Banking