Industry Letters

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

Date PublishedSubjectCategory
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