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 § 172 — Restrictions on investments
• N.Y. Banking Law § 173 — Rate of interest; effect of usury
• N.Y. Banking Law § 174 — Restrictions on purchases of, and loans on real estate
• N.Y. Banking Law § 175 — Books and records
• N.Y. Banking Law § 176 — Reports required by superintendent; penalty for failure to make
• N.Y. Banking Law § 177 — Official communications from superintendent
• N.Y. Banking Law § 178 — Business of deceased private banker; continuation; liquidation
• N.Y. Banking Law § 179 — Effect of revocation of authorization certificate
• N.Y. Banking Law § 180 — Prohibitions against encroachment upon certain powers of private bankers, savings banks and savings and loan associations
• N.Y. Banking Law § 181 — Exemptions of certain private bankers
• N.Y. Banking Law § 190 — Application of article; definition
• N.Y. Banking Law § 191 — Public accommodation offices authorized
• N.Y. Banking Law § 192 — Location of public accommodation office
• N.Y. Banking Law § 193 — Limitation upon business which may be transacted at public accommodation office
• N.Y. Banking Law § 194 — Public accommodation office not deemed branch office
• N.Y. Banking Law § 195 — Rules, regulations and orders
• N.Y. Banking Law § 200 — When foreign banking corporation may transact business in this state
• N.Y. Banking Law § 200-a — Actions maintained by a foreign banking corporation
• N.Y. Banking Law § 200-b — Actions maintained against foreign banking corporation; residents; foreign corporations, foreign banking corporations as non-residents
• N.Y. Banking Law § 200-c — Maintenance of books, accounts and records
• N.Y. Banking Law § 201 — Conditions to be complied with by foreign banking corporations applying for initial license
• N.Y. Banking Law § 201-a — Rights and privileges of foreign banking corporation under license; effect of revocation
• N.Y. Banking Law § 201-b — Fiduciary powers of foreign banking corporations
• N.Y. Banking Law § 201-c — Notice of acquisition of control or merger
• N.Y. Banking Law § 202 — Rates of interest; installment obligations; personal loan departments; effect of usury
• N.Y. Banking Law § 202-a — Restrictions on receiving deposits
• N.Y. Banking Law § 202-b — Maintenance of assets in this state
• N.Y. Banking Law § 202-c — Reserves against deposits
• N.Y. Banking Law § 202-d — Foreign banking corporation may not maintain both agencies and branches in this state
• N.Y. Banking Law § 202-f — Restrictions on loans, purchases of securities and total liabilities of any one person to New York branch or agency of foreign bank
• N.Y. Banking Law § 202-g — Succession to agency by branch and to branch by agency
• N.Y. Banking Law § 202-h — Repayment of deposits standing in the names of minors, trustees, joint depositors or custodians; interpleader in certain actions
• N.Y. Banking Law § 202-i — Safe deposit business of branches
• N.Y. Banking Law § 202-j — Power to act as trustee under self-employed retirement trust or individual retirement trust
• N.Y. Banking Law § 203 — Change of location, name or business
• N.Y. Banking Law § 204 — Reports of foreign banking corporations; penalties
• N.Y. Banking Law § 204-a — Payment of claims by foreign banking corporations where adverse claim is asserted; effect of claims or advices originating in, and statut...
• N.Y. Banking Law § 206 — Termination of existence
• N.Y. Banking Law § 207 — Service of process on unlicensed corporation formed under laws other than the statutes of this state
• N.Y. Banking Law § 208 — Nondiscriminatory treatment of insured state banks and national banks
• N.Y. Banking Law § 209 — Restrictions on executive officers of foreign banking corporations and national banks
• N.Y. Banking Law § 210 — Establishment
• N.Y. Banking Law § 211 — Economic regions
• N.Y. Banking Law § 212 — Purposes, powers and operation
• N.Y. Banking Law § 213 — Board of directors
• N.Y. Banking Law § 214 — Committees
• N.Y. Banking Law § 215 — Membership
• N.Y. Banking Law § 216 — Capital stock
• N.Y. Banking Law § 217 — Surplus, obligations and depositories
• N.Y. Banking Law § 218 — Supervision and reports
• N.Y. Banking Law § 219 — Unissued securities and reorganization
• N.Y. Banking Law § 220 — Participation
• N.Y. Banking Law § 221-a — Doing business without license prohibited
• N.Y. Banking Law § 221-b — Definitions
• N.Y. Banking Law § 221-c — Application for license; fees
• N.Y. Banking Law § 221-d — Conditions precedent to issuing license; procedure where application denied
• N.Y. Banking Law § 221-e — License provisions
• N.Y. Banking Law § 221-f — Grounds for suspension or revocation of license; procedure
• N.Y. Banking Law § 221-g — Superintendent authorized to examine; expenses
• N.Y. Banking Law § 221-h — Licensee's books and records; reports
• N.Y. Banking Law § 221-i — Notice of acquisition of control or merger
• N.Y. Banking Law § 221-j — Authority of superintendent
• N.Y. Banking Law § 221-k — Separability of provisions
• N.Y. Banking Law § 222 — Definitions
• N.Y. Banking Law § 223 — Establishment of branches or trust offices by means of an acquisition transaction
• N.Y. Banking Law § 223-a — Establishment of branches by out-of-state banks by de novo branching
• N.Y. Banking Law § 224 — Application for the establishment of branches or trust offices not resulting from an acquisition transaction; retention of branches or tr...
• N.Y. Banking Law § 224-a — Change of location of branches or trust offices by out-of-state state banks or out-of-state state-chartered trust companies
• N.Y. Banking Law § 225 — Interstate acquisition transactions
• N.Y. Banking Law § 225-a — Power of superintendent to examine branches or trust offices of out-of-state state banks or out-of-state state-chartered trust companies
• N.Y. Banking Law § 225-b — Applicability of certain sections to out-of-state banks
• N.Y. Banking Law § 226 — Powers of out-of-state state banks
• N.Y. Banking Law § 227 — Powers permitted to out-of-state branches of New York banks
• N.Y. Banking Law § 227-b — Rules and regulations
• N.Y. Banking Law § 227-c — Separability of provisions
• N.Y. Banking Law § 228-a — Establishment
• N.Y. Banking Law § 228-b — Definitions
• N.Y. Banking Law § 228-c — Purposes, powers and operation
• N.Y. Banking Law § 228-d — New York small business investment company; board of directors
• N.Y. Banking Law § 228-e — New York specialized small business investment company; board of directors
• N.Y. Banking Law § 228-f — Reports
• N.Y. Banking Law § 229 — Application
• N.Y. Banking Law § 230 — Incorporation; organization certificate
• N.Y. Banking Law § 232 — Organization certificate to be submitted to superintendent; proof of publication and service of notice of intention
• N.Y. Banking Law § 233 — When corporate existence begins; conditions precedent to commencing business
• N.Y. Banking Law § 234 — General powers
• N.Y. Banking Law § 234-a — Settlement, modification or readjustment of investment
• N.Y. Banking Law § 234-b — Trust powers
• N.Y. Banking Law § 235 — Investment of funds
• N.Y. Banking Law § 235-b — Effect of usury
• N.Y. Banking Law § 235-c — Regulation of certain charges
• N.Y. Banking Law § 235-d — Service corporations owned by savings banks; authorized activities of such corporations; investment therein
• N.Y. Banking Law § 236 — Deposits by savings banks with other banking corporations and private bankers; restrictions
• N.Y. Banking Law § 237 — Deposits with savings banks; restrictions
• N.Y. Banking Law § 238 — Regulations and restrictions as to repayment of deposits
• N.Y. Banking Law § 239 — Repayment of deposits of minors, trust deposits, joint deposits, and deposits adversely claimed; interpleader in certain actions; statute...
• N.Y. Banking Law § 239-a — Preservation of books and records
• N.Y. Banking Law § 240 — Restrictions as to place of business; branch offices
• N.Y. Banking Law § 240-a — Electronic facilities
• N.Y. Banking Law § 240-b — Acceptance of United States currency
• N.Y. Banking Law § 241 — Change of location; change of designation of principal office
• N.Y. Banking Law § 242 — Assets; how entered and carried on books; disallowance by superintendent
• N.Y. Banking Law § 243 — Surplus fund
• N.Y. Banking Law § 244 — Earnings; how and when to be computed; transfers to surplus fund
• N.Y. Banking Law § 245 — Interest payments
• N.Y. Banking Law § 246 — Board of trustees; number; vacancies; qualifications; oath and declaration
• N.Y. Banking Law § 246-a — Executive committee and other committees
• N.Y. Banking Law § 247 — Restrictions upon trustees and officers
• N.Y. Banking Law § 248 — Removal and forfeiture of office of trustee
• N.Y. Banking Law § 249 — Compensation of trustees and officers
• N.Y. Banking Law § 250 — Pensions; insurance
• N.Y. Banking Law § 251 — Meetings; quorum; by-laws; officers
• N.Y. Banking Law § 252 — Reports to trustees
• N.Y. Banking Law § 253 — Official communications from department of financial services to be submitted to trustees and noted in minutes
• N.Y. Banking Law § 254 — Examinations by trustees
• N.Y. Banking Law § 255 — Reports to superintendent; penalty for failure to make
• N.Y. Banking Law § 255-a — Publication and delivery of annual report
• N.Y. Banking Law § 256 — Photographic reproduction of records
• N.Y. Banking Law § 257 — Duties of trustees and officers
• N.Y. Banking Law § 258 — Prohibition of unauthorized savings banks and use of the word "savings"; exception as to school savings
• N.Y. Banking Law § 260 — Charters of all savings banks conformed to this article
• N.Y. Banking Law § 260-a — Amendment of organization certificate and by-laws
• N.Y. Banking Law § 260-b — Conversion of a savings bank into a savings and loan association
• N.Y. Banking Law § 282 — Creation of fund
• N.Y. Banking Law § 283 — Management of fund
• N.Y. Banking Law § 284 — Agreement; filing and provisions thereof
• N.Y. Banking Law § 285 — Powers which may be granted to trustee
• N.Y. Banking Law § 286 — Taxation and exemption of property held in fund; exemption of mortgages from mortgage recording tax
• N.Y. Banking Law § 287 — Member savings banks
• N.Y. Banking Law § 288 — Contributions as assets
• N.Y. Banking Law § 289 — Confirmation of powers
• N.Y. Banking Law § 289-a — Immunity of trustee and member savings banks
• N.Y. Banking Law § 289-b — Construction
• N.Y. Banking Law § 290 — Authorization of the formation of mutual holding companies
• N.Y. Banking Law § 291 — Required approvals
• N.Y. Banking Law § 292 — Formation of a mutual holding company
• N.Y. Banking Law § 293 — Mutual holding company powers
• N.Y. Banking Law § 294 — Conversion of mutual holding company into stock holding company
• N.Y. Banking Law § 317 — General powers
• N.Y. Banking Law § 318 — Branch offices
• N.Y. Banking Law § 319 — Limitations upon the powers of safe deposit companies
• N.Y. Banking Law § 320 — Books and records
• N.Y. Banking Law § 321 — Change of location; change of designation of principal office
• N.Y. Banking Law § 323 — Assessment of stockholders to make good impairment of capital; sale of stock
• N.Y. Banking Law § 324 — Change of control
• N.Y. Banking Law § 327 — Use of sign or words indicating safe deposit company by unauthorized persons prohibited
• N.Y. Banking Law § 328 — Communications from department of financial services must be submitted to directors and noted in minutes
• N.Y. Banking Law § 329 — Reports to superintendent; penalty for failure to make
• N.Y. Banking Law § 330 — Liability of safe deposit company for assessments by superintendent
• N.Y. Banking Law § 332 — Definitions
• N.Y. Banking Law § 333 — Access to safe deposit boxes by certain fiduciaries
• N.Y. Banking Law § 334 — Leases to minors
• N.Y. Banking Law § 335 — Special remedies where rental of safe deposit box is not paid or when safe deposit box is not vacated on termination of lease
• N.Y. Banking Law § 336 — Special remedies where property is deposited
• N.Y. Banking Law § 337 — Sale of safe deposit business
• N.Y. Banking Law § 338 — Notice to renters of safe deposit boxes regarding insurance
• N.Y. Banking Law § 340 — Doing business without license prohibited
• N.Y. Banking Law § 341 — Application for license; fees; capital requirements
• N.Y. Banking Law § 342 — Conditions precedent to issuing license; procedure where application denied
• N.Y. Banking Law § 343 — License provisions; separate license for each place of business; change of location
• N.Y. Banking Law § 344 — Issuance of license upon acquisition of business of licensed lender
• N.Y. Banking Law § 345 — Application for acquisition of control of licensed lender by purchase of stock
• N.Y. Banking Law § 347 — Grounds for revocation or suspension of license; procedure
• N.Y. Banking Law § 348 — Superintendent authorized to examine
• N.Y. Banking Law § 349 — Licensee's books and records; reports
• N.Y. Banking Law § 350 — Restrictions concerning advertising, liens on real estate, and places where loans made
• N.Y. Banking Law § 351 — Restrictions on loans subject to the provisions of this article; interest; other charges
• N.Y. Banking Law § 352 — Acts required of licensees; acts prohibited
• N.Y. Banking Law § 353 — Limitation on licensee's charges on certain loans
• N.Y. Banking Law § 354 — Restrictions on assignments of compensation for services
• N.Y. Banking Law § 355 — Solicitation of loans
• N.Y. Banking Law § 356 — Restrictions on certain loans by non-licensees, interests, other charges; loans made outside this state
• N.Y. Banking Law § 357 — Insurance
• N.Y. Banking Law § 358 — Penalties
• N.Y. Banking Law § 359 — Authority of superintendent
• N.Y. Banking Law § 360 — Short title
• N.Y. Banking Law § 361 — Severability
• N.Y. Banking Law § 366 — Definitions
• N.Y. Banking Law § 367 — License requirements; fees; capital requirements
• N.Y. Banking Law § 369 — Conditions precedent to issuing license; issuance and filing of license; posting license
• N.Y. Banking Law § 370 — Restrictions as to place or area of doing business; establishment of stations; change of location
• N.Y. Banking Law § 370-a — Changes in control
• N.Y. Banking Law § 371 — Regulations
• N.Y. Banking Law § 372 — Fees and charges; posting schedule; records and reports
• N.Y. Banking Law § 372-a — Superintendent authorized to examine
• N.Y. Banking Law § 372-b — Forged checks for cashing; signage
• N.Y. Banking Law § 373 — Acts prohibited; suspension or revocation of license; penalties
• N.Y. Banking Law § 374 — Application of article
• N.Y. Banking Law § 375 — Incorporation; organization certificate
• N.Y. Banking Law § 376 — Proposed by-laws
• N.Y. Banking Law § 377 — When corporate existence begins
• N.Y. Banking Law § 378 — Power to issue shares; dues thereon
• N.Y. Banking Law § 378-a — Time deposits
• N.Y. Banking Law § 378-b — Club accounts
• N.Y. Banking Law § 378-c — Excelsior linked deposit program
• N.Y. Banking Law § 378-d — Preservation of books and records
• N.Y. Banking Law § 378-e — Water pollution control linked deposit program
• N.Y. Banking Law § 379 — Power to invest in securities
• N.Y. Banking Law § 379-b — Service corporation owned by associations; authorized activities of such corporation; investment therein
• N.Y. Banking Law § 380 — Power to make loans