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Interpretations and Opinions

Members of the Department's Office of General Counsel express opinions and provide written guidance to regulated entities, members of the bar, public officials and others, on legal and regulatory matters within the jurisdiction of the Department. 

In some cases, for example where necessary to protect the privacy of individuals, or to maintain the confidentiality of sensitive commercial information, letters and memoranda have been redacted to delete such information.

The interpretive letters, opinions and memoranda that are posted to this website are intended to provide a research tool for attorneys and other members of the public and represent the informal views of the Department. The letters, opinions and memoranda address specific facts and circumstances, and a similar fact situation could result in a different view expressed by the Department.  Staff memoranda in particular represent the informal views of the Department.  Accordingly, attorneys and others are advised to contact the Office of General Counsel for guidance with respect to a current specific transaction or factual scenario . 

Banking-related Interpretations

Banking-related staff letters and memoranda are organized by section of law and date of issuance. To search selected banking-related opinions use the Banking Interpretations Search below.

Banking Interpretations Search

The Banking Interpretations Search application is designed to search the banking-related interpretations that appear on the website, dating back to the year 1966. Enter your query in the following text box, and select the 'Banking Interpretations Search' button to begin.

Insurance-related Opinions

Insurance-related opinions are organized by the year in which the opinion was issued. To search insurance-related opinions use the Insurance Opinion Search below.

Insurance Opinion Search

The Insurance Opinion Search application is designed to search the selected opinions that appear on the Website, dating back to the year 2000. Enter your query in the following text box, and select the "OGC, Insurance Division, Opinion Search" button to begin.


Subject to certain statutory limitations, a person may request copies of or view Department records not available here on our website obtained from the Department as provided under New York’s Freedom of Information Law (Public Officers Law 87 et. seq.) and Department Supervisor Procedure G- 106 (3 NYCRR Supervisory Procedure G 106).

Updated 11/09/2015

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