New York Banking Law

Every section of the New York Banking Law, in order — 899 sections. Source: NY Senate Open Legislation, current through November 4, 2026.

• N.Y. Banking Law § 1 — Short title
• N.Y. Banking Law § 2 — Definitions
• N.Y. Banking Law § 2-a — Limited liability investment company; definitions
• N.Y. Banking Law § 2-b — Limited liability trust companies; definitions
• N.Y. Banking Law § 4 — Information to be given to social services officials, state department of social services, state department of mental hygiene, the mental...
• N.Y. Banking Law § 4-a — Banks to display signs
• N.Y. Banking Law § 4-b — Advertising
• N.Y. Banking Law § 4-c — Exemptions from certain provisions of chapter
• N.Y. Banking Law § 5 — Loans pursuant to the "Servicemen's Readjustment Act of 1944
• N.Y. Banking Law § 6 — Investment in obligations of housing corporations indirectly guaranteed pursuant to the "Servicemen's Readjustment Act of 1944"
• N.Y. Banking Law § 6-a — Investment in obligations of certain persons sixty-five years of age or over incurred to satisfy real property tax indebtedness
• N.Y. Banking Law § 6-c — Application forms to be made available; certain cases
• N.Y. Banking Law § 6-d — Requirement to state in writing reason for denial of mortgage loan
• N.Y. Banking Law § 6-e — Graduated payment mortgages authorized
• N.Y. Banking Law § 6-f — Alternative mortgage instruments made by banks, trust companies, savings banks, savings and loan associations and credit unions
• N.Y. Banking Law § 6-g — Override of certain provisions of United States Public Law 97-320
• N.Y. Banking Law § 6-h — Reverse mortgage loans authorized
• N.Y. Banking Law § 6-i — Mortgage loans
• N.Y. Banking Law § 6-j — Proof of insurance
• N.Y. Banking Law § 6-k — Real property insurance escrow accounts
• N.Y. Banking Law § 6-l — High-cost home loans
• N.Y. Banking Law § 6-m — Subprime home loans
• N.Y. Banking Law § 6-n — Responsibility of banks for mortgages being processed for modification
• N.Y. Banking Law § 6-o — Reverse cooperative apartment unit loans for persons sixty-two years of age or older
• N.Y. Banking Law § 6-o — Single point of contact for modifying delinquent home loans
• N.Y. Banking Law § 6-p — Loan counseling for mortgages guaranteed by the Servicemen's Readjustment Act of 1944
• N.Y. Banking Law § 7 — Payment of dividends or interest upon unclaimed deposits or shares; limitation of charges in connection with savings accounts
• N.Y. Banking Law § 8 — Deposits by custodian designated by administrator of veterans' affairs, or by person certified by social security administration
• N.Y. Banking Law § 9 — Checks drawn against corporate funds or payable to corporations; no notice of defense against or claim to check
• N.Y. Banking Law § 9-a — Defense of ultra vires
• N.Y. Banking Law § 9-b — Actions or special proceedings by superintendent or attorney-general
• N.Y. Banking Law § 9-c — Superintendent's or attorney-general's action for judicial dissolution
• N.Y. Banking Law § 9-d — Enforcement of section two hundred ninety-six-a of the executive law
• N.Y. Banking Law § 9-f — Geographic discrimination in making mortgage loans prohibited
• N.Y. Banking Law § 9-g — Right of set off
• N.Y. Banking Law § 9-h — Imposition of service charges prohibited
• N.Y. Banking Law § 9-i — Prohibition on depositor of early withdrawal penalty in certain cases
• N.Y. Banking Law § 9-i — Close-out fees prohibited in certain cases
• N.Y. Banking Law § 9-j — Disposal of records; customer accounts
• N.Y. Banking Law § 9-k — Sale of education loans
• N.Y. Banking Law § 9-m — Return of checks
• N.Y. Banking Law § 9-n — Trust accounts; address of beneficiary
• N.Y. Banking Law § 9-o — Mortgage loans; disclosure form
• N.Y. Banking Law § 9-p — Acceptance of certain checks for deposit
• N.Y. Banking Law § 9-r — Geographic restrictions
• N.Y. Banking Law § 9-s — Preauthorized electronic fund transfers
• N.Y. Banking Law § 9-t — Unsolicited mail-loan checks
• N.Y. Banking Law § 9-u — ATM transactions by persons using foreign bank accounts
• N.Y. Banking Law § 9-v — Savings promotion prize giveaway
• N.Y. Banking Law § 9-w — Standard financial aid award letter
• N.Y. Banking Law § 9-x — Mortgage forbearance
• N.Y. Banking Law § 9-x — Fees based on inactivity; notification
• N.Y. Banking Law § 9-y — Order of payment of checks and other debits, insufficient funds charges and return deposit item charges
• N.Y. Banking Law § 9-z — Cashing of certain checks
• N.Y. Banking Law § 10 — Declaration of policy
• N.Y. Banking Law § 11 — Department of financial services; official documents; destruction of documents; official communications
• N.Y. Banking Law § 12-a — Power of state chartered banking institutions to exercise the rights of counterpart federally chartered banking institutions
• N.Y. Banking Law § 14 — Additional powers of the superintendent
• N.Y. Banking Law § 14-a — Rate of interest; superintendent of financial services to adopt regulations
• N.Y. Banking Law § 14-b — Power of the superintendent of financial services to prescribe minimum rate of interest on mortgage escrow accounts
• N.Y. Banking Law § 14-c — Power of the superintendent of financial services to prescribe criteria for disclosure of information on savings and time accounts
• N.Y. Banking Law § 14-d — Power of the superintendent of financial services to prescribe a reasonable period of time permitting the drawing on items received for d...
• N.Y. Banking Law § 14-e — Power of the superintendent to authorize the operation of savings banks and savings and loan associations in stock form
• N.Y. Banking Law § 14-f — Power of the superintendent of financial services to require the provision of basic banking services
• N.Y. Banking Law § 18 — Fees for copies and certifications
• N.Y. Banking Law § 18-a — Application fees
• N.Y. Banking Law § 18-b — Holocaust reparations payment fees
• N.Y. Banking Law § 19 — Assessments for deficiency in reserves against deposits
• N.Y. Banking Law § 20 — Assessments, penalties and forfeitures entitled to priority
• N.Y. Banking Law § 21 — Collection of assessments, penalties and forfeitures; proceedings by attorney general
• N.Y. Banking Law § 22 — Fingerprints
• N.Y. Banking Law § 23 — Acceptance or rejection of certificate; investigation fees
• N.Y. Banking Law § 24 — Investigation by superintendent; refusal or approval; filing certificate
• N.Y. Banking Law § 25 — Authorization certificate; when and to whom issued; contents; filing and recording
• N.Y. Banking Law § 25-a — Authority of superintendent to file organization certificate and issue authorization certificate under certain conditions
• N.Y. Banking Law § 26 — Licenses to foreign banking corporations; renewal
• N.Y. Banking Law § 27 — Exchange and examination of securities
• N.Y. Banking Law § 28 — Change of location; change of designation of principal office; approval or refusal; certificate
• N.Y. Banking Law § 28-a — Temporary change of location; approval or refusal; certificate
• N.Y. Banking Law § 28-b — Credit needs of local communities
• N.Y. Banking Law § 28-bb — Credit needs of local communities; mortgage bankers
• N.Y. Banking Law § 28-c — Branch office closings; report to and action by the superintendent
• N.Y. Banking Law § 29 — Branch offices; public accommodation offices; approval or refusal; certificate; investigation fee
• N.Y. Banking Law § 30 — Unclaimed amounts; deposit by superintendent in trust; preference; release of debtor
• N.Y. Banking Law § 31 — Index of persons entitled to unclaimed amounts; payment to persons entitled; deduction of service charge
• N.Y. Banking Law § 32 — Insurance of deposits and share accounts
• N.Y. Banking Law § 33 — Reserve depositaries
• N.Y. Banking Law § 34 — Superintendent as attorney to accept service of process
• N.Y. Banking Law § 35 — Information pamphlet for residential mortgage applicants
• N.Y. Banking Law § 36 — Examinations; right of inspection; penalties for refusing to permit examination
• N.Y. Banking Law § 36-a — Reports of lending by banking organizations
• N.Y. Banking Law § 36-b — Preservation of books and records
• N.Y. Banking Law § 37 — Reports to superintendent
• N.Y. Banking Law § 37-a — Submission of annual reports by the Holocaust claims processing office
• N.Y. Banking Law § 38 — Power of subpoena
• N.Y. Banking Law § 39 — Orders of superintendent
• N.Y. Banking Law § 40 — Revocation of authorization certificate or license or suspension of activities in certain cases
• N.Y. Banking Law § 41 — Removal and prohibition
• N.Y. Banking Law § 42 — Official acts of superintendent and details of department business to be made public
• N.Y. Banking Law § 44 — Violations; penalties
• N.Y. Banking Law § 44-a — Violations and penalties; failure to make reports
• N.Y. Banking Law § 45 — Export finance awareness program
• N.Y. Banking Law § 75-a — Legislative intent
• N.Y. Banking Law § 75-b — Definitions
• N.Y. Banking Law § 75-c — Security measures
• N.Y. Banking Law § 75-d — List of facilities
• N.Y. Banking Law § 75-e — Consumer safety information
• N.Y. Banking Law § 75-f — Enforcement and statistics
• N.Y. Banking Law § 75-g — Report of compliance
• N.Y. Banking Law § 75-h — Compliance with local building code and all other applicable provisions of law
• N.Y. Banking Law § 75-i — Facilities not subject to this article
• N.Y. Banking Law § 75-j — Civil penalties
• N.Y. Banking Law § 75-k — Collection of penalties
• N.Y. Banking Law § 75-l — Preemption
• N.Y. Banking Law § 75-m — Variances and exemptions from automated teller machine security measures
• N.Y. Banking Law § 75-n — Rules and regulations
• N.Y. Banking Law § 75-o — Severability
• N.Y. Banking Law § 78 — Powers with respect to certain crimes and frauds
• N.Y. Banking Law § 85 — Community bank deposit program; purpose
• N.Y. Banking Law § 86 — Eligibility
• N.Y. Banking Law § 87 — Deposits
• N.Y. Banking Law § 94 — Change from bank to trust company; from trust company to bank
• N.Y. Banking Law § 96 — General powers
• N.Y. Banking Law § 96-a — Servicing of mortgages by banks
• N.Y. Banking Law § 96-b — Payroll payment by banks or trust companies
• N.Y. Banking Law § 96-c — Power to act as trustee under self-employed retirement trust or individual retirement trust
• N.Y. Banking Law § 96-d — Banking development districts
• N.Y. Banking Law § 97 — Power to purchase securities and stocks
• N.Y. Banking Law § 98 — Power to take and hold real estate; restrictions
• N.Y. Banking Law § 98-a — Club accounts
• N.Y. Banking Law § 100 — Fiduciary powers
• N.Y. Banking Law § 100-a — Fiduciary capacities; appointment by court authorized; bond; oath; accounting
• N.Y. Banking Law § 100-b — Investments as fiduciary; when interest is to be paid; preference
• N.Y. Banking Law § 100-c — Common trust funds
• N.Y. Banking Law § 100-d — Foreign common trust funds
• N.Y. Banking Law § 101 — Additional powers of certain trust companies
• N.Y. Banking Law § 102 — Powers of specially chartered trust companies
• N.Y. Banking Law § 102-a — Limited liability trust companies
• N.Y. Banking Law § 103 — Restrictions on loans, purchases of securities and total liabilities to bank or trust company of any one person
• N.Y. Banking Law § 104 — Entries in books; restrictions; amortization of securities
• N.Y. Banking Law § 105 — Branch offices; prohibition against doing business at unauthorized places
• N.Y. Banking Law § 105-a — Electronic facilities
• N.Y. Banking Law § 105-b — Trust offices
• N.Y. Banking Law § 106 — Deposits by banks and trust companies with other banking corporations and private bankers; restrictions
• N.Y. Banking Law § 107 — Reserves against deposits
• N.Y. Banking Law § 107-a — Security for public deposits
• N.Y. Banking Law § 108 — Rates of interest; installment obligations; personal loan departments
• N.Y. Banking Law § 108-a — Acceptance of United States currency
• N.Y. Banking Law § 109 — Closing of books; profits; how to be computed
• N.Y. Banking Law § 110 — Surplus fund; of what composed, and for what purposes used
• N.Y. Banking Law § 111 — Profits; credits to surplus fund and to undivided profits
• N.Y. Banking Law § 112 — Dividends; payable from net profits; restrictions
• N.Y. Banking Law § 113 — Change of location; change of designation of principal office
• N.Y. Banking Law § 114 — Assessment of stockholders to make good impairment of capital stock; sale of stock
• N.Y. Banking Law § 121 — Reports to directors
• N.Y. Banking Law § 122 — Examinations of banks and trust companies by directors; employment of assistants
• N.Y. Banking Law § 123 — Reports of directors' examinations
• N.Y. Banking Law § 124 — Communications from department of financial services to be submitted to directors and noted in minutes
• N.Y. Banking Law § 125 — Reports to superintendent; penalty for failure to make
• N.Y. Banking Law § 128 — Preservation of books and records
• N.Y. Banking Law § 129 — Requirement of notice on withdrawal of certain time deposits; notice to superintendent
• N.Y. Banking Law § 129-a — Requirement of written notification; alternative payment schedules
• N.Y. Banking Law § 130 — Restrictions on officers, directors and employees
• N.Y. Banking Law § 131 — Prohibitions against encroachments upon certain powers of banks and trust companies
• N.Y. Banking Law § 132 — Use of sign, or words, indicating bank or trust company by unauthorized persons prohibited
• N.Y. Banking Law § 133 — Use of banking institution name
• N.Y. Banking Law § 134 — Repayment of deposits standing in the names of minors, trustees or joint depositors; repayment where adverse claim is asserted; interplea...
• N.Y. Banking Law § 136 — Change of national banking association into state bank by conversion or merger
• N.Y. Banking Law § 136-a — Purchase of assets of national banking association by bank or trust company
• N.Y. Banking Law § 136-b — Approval of superintendent
• N.Y. Banking Law § 136-c — Effect of merger or conversion of national banking association into state bank
• N.Y. Banking Law § 137 — Change of state bank into national banking association by conversion, merger or consolidation
• N.Y. Banking Law § 138 — Foreign branches; performance of contracts and repayment of deposits
• N.Y. Banking Law § 139 — Saving clause
• N.Y. Banking Law § 140-a — Stock option plans
• N.Y. Banking Law § 141 — Definitions
• N.Y. Banking Law § 142 — Limitations on, and regulation of, bank holding companies
• N.Y. Banking Law § 142-a — Limitation on acquisition of newly chartered banking institutions
• N.Y. Banking Law § 143 — Limitations on directors, officers and employees
• N.Y. Banking Law § 143-a — Acquisitions by companies of all the capital stock of banks and trust companies; no change of ultimate control
• N.Y. Banking Law § 143-b — Acquisition by companies of control of banking institutions
• N.Y. Banking Law § 145 — Penalties; restraining orders and injunctions
• N.Y. Banking Law § 146 — Saving provision
• N.Y. Banking Law § 147 — Separability of provisions
• N.Y. Banking Law § 150 — Definitions
• N.Y. Banking Law § 151 — Organization of subsidiary trust companies
• N.Y. Banking Law § 152 — Business of subsidiary trust companies; limitation on powers
• N.Y. Banking Law § 153 — Offices
• N.Y. Banking Law § 154 — Transfer of fiduciary relationships from affiliated banks or trust companies to subsidiary trust companies
• N.Y. Banking Law § 155 — Applicable laws and regulations
• N.Y. Banking Law § 160 — Verified certificate
• N.Y. Banking Law § 161 — Authorization certificate
• N.Y. Banking Law § 162 — Permanent capital; increase or decrease
• N.Y. Banking Law § 163 — Restrictions as to place of business
• N.Y. Banking Law § 164 — Change of location
• N.Y. Banking Law § 165 — Segregation of investments; title to be taken in descriptive name
• N.Y. Banking Law § 166 — Depositors preferred in case of failure or suspension
• N.Y. Banking Law § 167 — Reserves against deposits
• N.Y. Banking Law § 168 — Restrictions on acceptance of deposits and payment of interest
• N.Y. Banking Law § 171 — Repayment of deposits standing in the names of minors, trustees or joint depositors; repayment where adverse claim is asserted; interplea...