§ 10 Declaration of Policy
§ 11 Department of Financial Services; Official Documents; Destruction of Documents; Official Communications
§ 12-A Power of State Chartered Banking Institutions to Exercise the Rights of Counterpart Federally Chartered Banking Institutions
§ 14 Additional Powers of the Superintendent
§ 14-A Rate of Interest; Superintendent of Financial Services to Adopt Regulations
§ 14-B Power of the Superintendent of Financial Services to Prescribe Minimum Rate of Interest On Mortgage Escrow Accounts
§ 14-C Power of the Superintendent of Financial Services to Prescribe Criteria for Disclosure of Information On Savings and Time Accounts
§ 14-D Power of the Superintendent of Financial Services to Prescribe a Reasonable Period of Time Permitting the Drawing On Items Received for Deposit in a Customer’s Account
§ 14-E Power of the Superintendent to Authorize the Operation of Savings Banks and Savings and Loan Associations in Stock Form
§ 14-F Power of the Superintendent of Financial Services to Require the Provision of Basic Banking Services
§ 18 Fees for Copies and Certifications
§ 18-A Application Fees
§ 19 Assessments for Deficiency in Reserves Against Deposits
§ 20 Assessments, Penalties and Forfeitures Entitled to Priority
§ 21 Collection of Assessments, Penalties and Forfeitures; Proceedings by Attorney General
§ 22 Fingerprints
§ 23 Acceptance or Rejection of Certificate; Investigation Fees
§ 24 Investigation by Superintendent; Refusal or Approval; Filing Certificate
§ 25 Authorization Certificate; When and to Whom Issued; Contents; Filing and Recording
§ 25-A Authority of Superintendent to File Organization Certificate and Issue Authorization Certificate Under Certain Conditions
§ 26 Licenses to Foreign Banking Corporations; Renewal
§ 27 Exchange and Examination of Securities
§ 28 Change of Location; Change of Designation of Principal Office; Approval or Refusal; Certificate
§ 28-A Temporary Change of Location; Approval or Refusal; Certificate
§ 28-B Credit Needs of Local Communities
§ 28-BB Credit Needs of Local Communities; Mortgage Bankers
§ 28-C Branch Office Closings; Report to and Action by the Superintendent
§ 29 Branch Offices; Public Accommodation Offices; Approval or Refusal; Certificate; Investigation Fee
§ 30 Unclaimed Amounts; Deposit by Superintendent in Trust; Preference; Release of Debtor
§ 31 Index of Persons Entitled to Unclaimed Amounts; Payment to Persons Entitled; Deduction of Service Charge
§ 32 Insurance of Deposits and Share Accounts
§ 33 Reserve Depositaries
§ 34 Superintendent as Attorney to Accept Service of Process
§ 36 Examinations; Right of Inspection; Penalties for Refusing to Permit Examination
§ 36-A Reports of Lending by Banking Organizations
§ 36-B Preservation of Books and Records
§ 37 Reports to Superintendent
§ 37-A Submission of Annual Reports by the Holocaust Claims Processing Office
§ 38 Power of Subpoena
§ 39 Orders of Superintendent
§ 40 Revocation of Authorization Certificate or License or Suspension of Activities in Certain Cases
§ 41 Removal of Director, Trustee or Officer
§ 42 Official Acts of Superintendent and Details of Department Business to Be Made Public
§ 44 Violations; Penalties
§ 44-A Violations and Penalties; Failure to Make Reports
§ 45 Export Finance Awareness Program

Terms Used In New York Laws > Banking > Article 2 - Department of Financial Services; Superintendent of Financial Services; Supervisory and Regulatory Powers

  • Amortization: Paying off a loan by regular installments.
  • Appraisal: A determination of property value.
  • Community Reinvestment Act: The Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977. Source: OCC
  • Escrow: Money given to a third party to be held for payment until certain conditions are met.
  • Federal Reserve System: The central bank of the United States. The Fed, as it is commonly called, regulates the U.S. monetary and financial system. The Federal Reserve System is composed of a central governmental agency in Washington, D.C. (the Board of Governors) and twelve regional Federal Reserve Banks in major cities throughout the United States. Source: OCC
  • Forbearance: A means of handling a delinquent loan. A
  • Garnishment: Generally, garnishment is a court proceeding in which a creditor asks a court to order a third party who owes money to the debtor or otherwise holds assets belonging to the debtor to turn over to the creditor any of the debtor
  • Interest rate: The amount paid by a borrower to a lender in exchange for the use of the lender's money for a certain period of time. Interest is paid on loans or on debt instruments, such as notes or bonds, either at regular intervals or as part of a lump sum payment when the issue matures. Source: OCC
  • Minority leader: See Floor Leaders
  • Mortgage loan: A loan made by a lender to a borrower for the financing of real property. Source: OCC
  • Mortgagor: The person who pledges property to a creditor as collateral for a loan and who receives the money.
  • National Bank: A bank that is subject to the supervision of the Comptroller of the Currency. The Office of the Comptroller of the Currency is a bureau of the U.S. Treasury Department. A national bank can be recognized because it must have "national" or "national association" in its name. Source: OCC
  • Uniform Commercial Code: A set of statutes enacted by the various states to provide consistency among the states' commercial laws. It includes negotiable instruments, sales, stock transfers, trust and warehouse receipts, and bills of lading. Source: OCC
  • Writ: A formal written command, issued from the court, requiring the performance of a specific act.