404:
exchange, making acceptances and, if authorized, exercising fiduciary powers. There are two types of foreign branches – insured and uninsured. An insured branch may conduct a retail banking business in New York, making consumer loans and accepting consumer deposits. An uninsured branch may accept deposits only as authorized by the FDIC Rules, with disclosure of their non-insured status. Since FDICIA was passed in 1991, no new insured branches have been allowed.
1382:
1402:
1392:
412:
business decisions that would obligate the foreign bank, but it is permitted to engage in a number of activities not deemed to constitute the business of banking, including acting as liaison with customers and correspondents of the foreign bank, soliciting new business for the foreign bank, soliciting investors to buy loans from the foreign bank, and soliciting loans of $ 250,000 or more for the foreign bank.
508:
includes a person who enters into retail installment credit agreements with retail buyers under
Section 413(11) of the Personal Property Law. The Banking Department licenses persons to engage as sales finance companies (other than banks, savings bank, savings and loan associations, trust companies, private bankers or investment companies or licensed lenders) under Article XI-B of the Banking Law.
130:
397:
Credit unions accept deposits from, make loans to and issue credit cards to their members, among other things. A corporate credit union is a credit union whose members are primarily other credit unions. New York state-chartered credit unions are also regulated by the
National Credit Union Administration, which also insures credit union share accounts up to certain limits.
302:
only to state chartered entities, but to all federally chartered banks, trust companies, savings banks, savings and loan associations or credit unions, as long as they operate one or more ATMs in New York, whether the entity is headquartered in New York or not. The
Banking Department has 13 ATM safety inspectors.
488:
or agent advances funds to an insurance company to pay an insurance premium on behalf of the insured and receives repayment by the insured over a period of time. Under
Article XII-B of the Banking Law, the Banking Department licenses insurance finance agencies and regulates the terms of the finance agreement.
519:. Historically, savings banks were organized as mutual companies and savings and loan associations (S&Ls) were organized as stock companies. Savings banks and S&Ls are regulated, respectively, under Article 6 and Article 10 of the Banking Law. Deposits of each type of institution are insured by the
346:
involves the requirement to maintain accurate books and records of its financial condition and transactions, as well as regular examination by the
Department’s examination staff, which ranges from continuous on-site examination for the largest entities, to discrete examinations at appropriate intervals.
423:
companies under
Article III-A of the Banking Law is designed to prevent undue concentration of bank ownership. Consequently, unlike the Federal Reserve Board, which regulates all holding companies, even if they control only one bank, the Banking Department does not regulate one-bank holding companies.
507:
A sales finance company acquires retail installment contracts or other credit agreements made by other parties. The term also includes a retail car dealer who holds retail installment contracts acquired from retail buyers, which have aggregate unpaid time balances of $ 25,000 or more. The term also
500:
A safe deposit company acts as a custodian for storage of personal property and papers of any kind. It may also engage in the safe deposit business by renting vaults and safe deposit boxes. It cannot lend money or make advances on any property left in its possession. Safe
Deposit Companies and the
487:
A premium finance company enters into premium finance agreements with an insured person or acquires premium finance agreements from insurance agents or brokers or other premium finance agencies. A premium finance agreement is an arrangement under which a premium finance agency or an insurance broker
422:
For purposes of the
Banking Law, a bank holding company is an entity (or natural person) that owns 10% or more of the voting stock, or otherwise controls, two or more New York banks or trust companies or national banks whose principal offices are located in New York State. Regulation of bank holding
349:
Under the
Banking Law, the Superintendent may require a regulated entity to appear and explain any apparent violation of law, issue an order directing a regulated entity to discontinue unauthorized or unsafe practices or to make good an impairment of capital or, in the case of a banking organization,
271:
The
Department's Criminal Investigations Bureau (CIB) provides specialized investigatory capabilities with respect to allegations of criminal activity involving the financial industry and works cooperatively with law enforcement organizations at the local, state and federal levels. CIB also houses a
59:
The Department's legislative mandate was to insure the safe and sound conduct of these businesses, to conserve assets, to prevent unsound and destructive competition, to maintain public confidence in the banking system, and to protect the public interest and the interests of depositors, creditors and
27:
The Department was the primary regulator for state-licensed and state-chartered financial entities, including domestic banks, foreign agencies, branches and representative offices, savings institutions and trust companies, credit unions and other financial institutions operating in New York including
459:
The business of money transmission includes the issuance and sale of traveler’s checks, issuance and sale of money orders, and the transmission of money on behalf of the public by any means including transmissions within this country or abroad by wire, check, draft, facsimile or courier. Generally,
319:
The mission of the Banking Department's Consumer Services Division is to ensure that regulated institutions abide by the consumer protection, fair lending and community reinvestment requirements of the Banking Law and regulations. The division also strives to increase consumer access to traditional
241:
Section 96-d of the Banking Law, entitled 'Banking Development Districts' addresses a program created to encourage the establishment of bank branches in areas with a demonstrated need for banking services, with the goals of stimulating local economies and helping more New Yorkers enter the financial
544:
State credit union regulators formed NASCUS in 1965 to ensure the safety and soundness of state-chartered credit unions. NASCUS, a professional regulators association, is the primary resource and voice of the 48 state governmental and U.S. territorial agencies that charter, regulate and examine the
480:
Under legislation passed in 2006 regulates mortgage loan originators (MLOs), who are individuals employed by or who have an independent contractor relationship with licensed mortgage bankers or registered mortgage brokers and who assist customers by soliciting, negotiating, explaining or finalizing
466:
A mortgage banker is a person who engages in the business of making five or more mortgage loans in any one calendar year (other than certain exempted entities, including a banking organization and an insurance company). Mortgage bankers are subject to licensing by the Superintendent of Banks under
371:
The Banking Department charters and regulates banks and trust companies under Article III of the Banking Law. Historically, the Banking Department regulated both large domestic banks and smaller community and regional banks. However, the number of large domestic banks with state charters has been
310:
Under Section 301 of the Business Corporation Law and analogous sections of the Not-for-Profit Corporation Law, the Limited Liability Company Law and Limited Partnership Act, the Banking Department and the Insurance Department (as appropriate) must approve the use of certain words (or abbreviations
175:
The Board had seventeen members. The Superintendent of Banks was the Board's chairperson and executive head. Each of the other 16 members were appointed by the governor and approved by the senate for a three-year term. Eight were public members, while the other eight had to have banking experience
100:
The Banking Board was established in 1932 by N.Y.S. Banking Law § 13 and 14, and was a quasi-legislative body. The Banking Board was created to advise and cooperate with the Banking Department in the formulation of banking standards and regulations and to exercise power to approve or disapprove the
452:
A licensed lender is an entity engaged in the business of making loans in the principal amount of (i) $ 25,000 or less to any individual for personal, family, household, or investment purposes, or (ii) $ 50,000 or less for business and commercial loans, and which charges a rate of interest greater
249:
The Enriched BDD program was launched in early 2005 to better coordinate the Banking Department and Comptroller’s Office with other community development and capacity-building initiatives. The Enriched BDD program also targets underbanked New York City neighborhoods and invites banks to apply for
411:
A foreign bank wishing merely to solicit business in the U.S. may establish a representative office to conduct research on the U.S. market and engage in marketing for the foreign bank. A representative office is not permitted to perform any core banking functions for the foreign bank or make any
403:
A New York branch is an office of a foreign bank that is licensed by the Superintendent to conduct a banking business in New York. A branch may exercise the same powers as a state-chartered commercial bank, including accepting deposits, making loans, issuing letters of credit, dealing in foreign
345:
For most entities, it also involves financial requirements, such as a requirement as to minimum net capital. Banking organizations are also subject to restrictions on payment of dividends as well as restrictions on transactions with affiliates and loans to any one borrower. For all entities, it
301:
The Banking Department is responsible for inspecting ATM facilities for compliance with the requirements of the ATM Safety Act. This includes requirements for surveillance cameras, adequate lighting, key-card access and an unobstructed view of the facility from the street. This law applies not
473:
A mortgage broker is a person who solicits, processes, places or negotiates a mortgage loan, but does not include a real estate broker or salesman, as defined in section 440 of the Real Property Law, if he does not directly or indirectly accept a fee for services rendered in connection with such
396:
There are two forms of credit unions under Article 11 of the Banking Law. A credit union is a non-stock corporation (i.e. a membership corporation) whose members must either have a common employer or be members of the same trade, industry, profession, club, union, society or other association.
389:
A check casher is a person whose primary business is the cashing of checks, drafts or money orders for a fee. (A license is not required when a person cashes checks, drafts or money orders without charge, or when the person cashes checks, drafts or money orders as an incident to the conduct of
382:
A budget planner is a non-profit corporation that enters into a contract with a debtor under which the debtor agrees to pay a sum of money periodically to the budget planner, which the budget planner distributes among the debtor’s creditors. A budget planner also provides credit counseling and
407:
A New York agency has many of the same powers as a branch, except in the case of deposits. An agency may issue large-denomination ($ 100,000 or over) CDs, may accept deposits from foreign residents and citizens and may maintain credit balances for customers incidental to its banking business.
545:
nation’s state-chartered credit unions. (Delaware, South Dakota and Wyoming have no laws permitting state-chartered credit unions.) NASCUS is the only organization dedicated to the defense and promotion of the dual chartering system and the autonomy of state credit union regulatory agencies.”
429:
An Article XII Investment company is a specialized non-depository lending institution that has broad borrowing and lending powers and may invest in stocks. An Article XII investment company may not accept “deposits” inside the U.S., although it may accept credit balances in New York that are
548:
Today, NASCUS also represents the interests of state agencies before Congress and is the liaison to federal agencies, including the National Credit Union Administration (NCUA). NCUA is the chartering authority for federal credit unions and the administrator of the National Credit Union Share
527:
To view the alphabetical listing of the history of many of the Banks and Trust Companies, Savings Banks, Savings and Loans, Credit Unions, Investment Companies that are or were state chartered, as well as most federally chartered institutions that have operated in the state of New York go to
284:
The Criminal Investigations Bureau has a Mortgage Fraud Unit. They conduct coordinated reviews with the Department of State, a HALT member agency that oversees real estate appraisers. The Department compiles data on New York mortgages and ensures that homeowners facing foreclosure receive
320:
banking services in under-served communities by administering the Department's Banking Development District program and other community development initiatives. Finally, the Consumer Services Division runs a consumer help unit to resolve problems between consumers and regulated entities.
285:
information about available counseling services. The Department conducted several foreclosure forums in 2008. The Banking Department provided $ 2 million in grants for foreclosure prevention, with money provided from settlements received from prior predatory lending enforcement actions.
372:
greatly reduced as a result of (i) mergers and (ii) “flipping” to federal charters by banks with operations in numerous other states who wanted to take advantage of a single set of nationwide federal rules, rather than complying with the consumer protection laws of all 50 states.
258:
Created in 1997, the HCPO helps claimants from around the world obtain just resolution for the theft of property during the Holocaust—specifically, assets deposited in European banks, monies never paid in connection with insurance policies issued by European insurers, and lost or
481:
the terms of a mortgage loan. MLOs are subject to a criminal background check and must complete certain educational requirements. MLOs are assessed fees that cover the cost of administering the registration program. MLOs are covered by Article XII-E of the banking Law.
353:
The Superintendent may take possession of and liquidate a banking organization and may suspend or revoke a certificate or license to do business or certain activities of a regulated non-banking entity. It holds in trust any unclaimed assets of a liquidated bank.
562:
CSBS is a national advocate for the state banking system. Its membership consists of state bank regulators, commissioners, etc. from all 50 states. Its mission is to educate, coordinate, advocate and communicate for the advancement of the state banking system.
341:
For all entities, it involves an evaluation of the character and fitness of incorporators (for chartered entities), directors and officers. For banking entities, it also involves requirements as to corporate governance and limitations on corporate powers.
311:
or derivatives thereof) in the name of an entity. The Banking Department approves the terms acceptance, bank, finance, investment, loan, mortgage, savings and trust. During the first 7 ½ months of 2007, the Department ruled on over 600 such applications.
328:
CHU was created in May 2005 in order to give New York consumers a single point of contact for learning about important banking-related issues, making inquiries and filing complaints. Its management falls to the Deputy Superintendent of CMR.
514:
A savings bank or a savings and loan association is a type of financial institution whose main purpose is to take deposits from consumers and to make home mortgage loans or to invest in home mortgages. Some institutions also invest in
383:
financial education. Section 456 of the General Business Law prohibits budget planning by anyone other than a non-profit corporation. Budget planners are licensed by the Banking Department under Article XII-C of the Banking Law.
1605:
245:
Banks partner with local governments to establish a BDD in an under-banked neighborhood, and, when approved by the Banking Department, are eligible to receive municipal deposits at below-market interest rates from the State.
415:
Branches and agencies are covered in Article V of the Banking Law. Representative offices are covered in Article V-B of the Banking Law. Since 1991, they have also been subject to supervision by the Federal Reserve Board.
78:
Revenues to fund the Department's operating budget were derived from fees paid to it by state-chartered institutions. The Department was included in the New York State Executive Budget, and all expenses were paid by the
272:
team of examiners who specialize in compliance with anti-money-laundering laws, such as the bank Secrecy Act. This unit identifies and mitigates threats to the financial industry stemming from money laundering and
375:
A trust company (which may be a stand-alone entity or be part of a bank that also conducts a general banking business) is an entity that is authorized by the Superintendent to exercise fiduciary (trust) powers.
337:
Regulation by the Banking Department begins with chartering, in the case of banks, trust companies and thrifts, licensing in the case of most other entities, and registration in the case of mortgage brokers.
83:
out of State funds, reimbursed by the amounts assessed against the institutions subject to supervision. Expenses of examination and operation were paid entirely by the institutions subject to regulation.
191:
banks, trust companies and private bankers located outside the city of New York and having total assets of one hundred fifty million dollars or more, as shown in their last report to the Superintendent.
494:
A private bank is a bank owned by an individual or a partnership. A private bank may engage generally in the full range of commercial banking activities, as well as in investment banking activities.
288:
New York participates in the National Mortgage Licensing System (NMLS), a state-run project that registers lenders. The department estimated that 20,000 lenders would be registered by January 2010.
1028:
228:
foreign banking corporations licensed to maintain a branch or agency in the state. The member from this group must be a resident of the state but need not be a citizen of the United States.
1046:
1615:
1061:
185:
banks, trust companies and private bankers located in the city of New York and having total assets of one billion dollars or more, as shown in their last report to the Superintendent.
1477:
92:
The Banking Department was headed by a Superintendent appointed by the Governor of New York. Almost 73 percent of the agency's nearly 600 full-time employees were bank examiners.
430:
incidental to the exercise of its other powers. Several foreign banks maintain Article XII investment companies. In addition, several large U.S. financial companies, including
1091:
874:
390:
another lawful business (e.g. a store) and not more than $ 1.00 is charged.) Check cashers are licensed by the Superintendent of Banks under Article IX-A of the Banking Law.
1086:
1051:
1033:
24:
on April 15, 1851, with a chief officer to be known as the Superintendent. The New York State Banking Department was the oldest bank regulatory agency in the United States.
1250:
1235:
474:
solicitation, processing, placement or negotiation. Mortgage brokers are subject to registration by the Superintendent of banks under Article XII-D of the Banking Law.
1492:
1260:
263:. HCPO is co-financed by the NYS Insurance Department, and has responded to over 10,600 inquiries, resulting in 4,746 claims from 44 states and 42 countries.
101:
issuance of bank charters and licenses and the establishment of branch banks. The Board's powers were broad and affected many aspects of banking supervision.
1507:
1462:
1676:
1671:
1656:
1290:
912:
867:
1554:
1482:
1438:
1666:
1661:
1038:
1635:
1514:
1362:
1275:
549:
Insurance Fund (NCUSIF), the insurer of most state-chartered credit unions. NASCUS also provides examiner education programs for state agencies.
48:
1502:
1467:
1300:
1270:
357:
Finally, under Section 44 of the Banking Law, following notice and a hearing, the Superintendent may impose penalties to be paid to the State.
1610:
1385:
860:
1076:
460:
a money transmitter markets its services through a network of agents. Money transmitters are covered in Article XIII-B of the Banking Law.
1559:
1544:
1539:
1534:
1472:
1240:
1585:
1071:
937:
1245:
1305:
1625:
1431:
1173:
927:
907:
520:
1620:
932:
897:
883:
1580:
1519:
1497:
1487:
741:
580:
113:
44:
1158:
Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U)
1549:
1524:
1295:
1204:
922:
1285:
611:
709:
637:
1630:
1529:
1424:
1265:
1183:
670:
739:
1447:
1066:
980:
917:
204:
savings banks located in the city of New York and the counties of Westchester, Rockland, Nassau and Suffolk.
1214:
32:, and licensed lenders, among others. Total assets of the institutions regulated were nearly $ 2.2 trillion.
1352:
1255:
1129:
1119:
1114:
1023:
1013:
151:
1280:
1209:
1219:
1178:
1018:
902:
109:
80:
40:
1008:
740:
HALT: THE GOVERNOR’S INTERAGENCY TASK FORCE TO HALT ABUSIVE LENDING TRANSACTIONS (31 December 2008).
990:
985:
826:
1336:
1081:
365:
The following is a brief description of each of type of entity regulated by the Department:
179:
Members with banking experience were selected, one from each of the following eight groups:
1357:
1331:
1188:
1168:
1056:
998:
955:
21:
8:
965:
516:
273:
198:
banks, trust companies and private bankers other than those in group one and group two.
1416:
1124:
852:
112:
abolished the Banking Board as part of the consolidation of the Banking Department and
72:
68:
1401:
1391:
960:
29:
1003:
975:
439:
431:
501:
safe deposit business are covered in Articles VIII and VIII-A of the Banking Law.
1395:
1367:
105:
36:
63:
The New York State Banking Department was headquartered at One State Street in
748:
591:
1650:
529:
443:
64:
1405:
1149:
970:
846:
821:
155:
615:
1326:
1321:
713:
645:
116:
and the creation of the New York State Department of Financial Services.
678:
1029:
Financial Institutions Regulatory and Interest Rate Control Act of 1978
260:
847:
Annual Reports of the Superintendent of Banks of the State of New York
1150:
Prohibition Against the Paying of Interest on Demand Deposits (Reg Q)
144:
140:
231:
176:
and had to represent various segments of the banking community.
1162:
Transactions Between Member Banks and Their Affiliates (Reg W)
401:
Foreign banks (branches, agencies and representative offices)
75:
to serve the most Northern and Western parts of the State.
43:
consolidated the New York State Banking Department and the
1446:
710:"Holocaust Claims Processing Office: History and Mission"
435:
1125:
Reserve Requirements for Depository Institutions (Reg D)
882:
446:, also have chartered Article XII investment companies.
1606:
Board on Electric Generation Siting and the Environment
1184:
Availability of Funds and Collection of Checks (Reg CC)
841:
836:
540:
National Association of State Credit Union Supervisors
1111:
Extensions of Credit by Federal Reserve Banks (Reg A)
831:
350:
required reserves, or to improve its recordkeeping.
1568:
913:Federal Financial Institutions Examination Council
1146:Privacy of Consumer Financial Information (Reg P)
781:NYS Not-for-Profit Corporation Law § 301(a)(5)(B)
512:Savings banks and savings & loan associations
1648:
1363:History of central banking in the United States
534:
49:New York State Department of Financial Services
1174:Unfair or Deceptive Acts or Practices (Reg AA)
210:savings banks other than those in group four.
67:and had an office in the state capital at the
1432:
868:
332:
232:Unique undertakings of the Banking Department
28:mortgage bankers and brokers, check cashers,
1134:Limitations on Interbank Liabilities (Reg F)
606:
604:
842:Conference of State Bank Supervisors (CSBS)
827:New York State Laws (Including Banking Law)
558:Conference of State Bank Supervisors (CSBS)
237:Banking Development District (BDD) Program:
119:
1677:Government agencies disestablished in 2011
1672:2011 disestablishments in New York (state)
1657:Defunct state agencies of New York (state)
1439:
1425:
875:
861:
822:New York State Banking Department Web site
530:http://www.banking.state.ny.us/history.htm
250:BDD branches in the pre-designated areas.
1072:Fair and Accurate Credit Transactions Act
938:Office of the Comptroller of the Currency
601:
1137:International Banking Operations (Reg K)
1043:Competitive Equality Banking Act of 1987
837:Federal Deposit Insurance Company (FDIC)
1667:Government agencies established in 1851
1662:1851 establishments in New York (state)
1649:
1631:New York State Law Revision Commission
1626:New York State Financial Control Board
1165:Borrowers of Securities Credit (Reg X)
735:
733:
731:
1478:Corrections and Community Supervision
1420:
1154:Credit by Brokers and Dealers (Reg T)
928:Financial Stability Oversight Council
908:Federal Deposit Insurance Corporation
856:
521:Federal Deposit Insurance Corporation
1621:Legislative Bill Drafting Commission
1077:Emergency Economic Stabilization Act
933:National Credit Union Administration
898:Consumer Financial Protection Bureau
884:Bank regulation in the United States
665:
663:
123:
95:
35:Effective October 3, 2011, Governor
728:
291:
114:New York State Insurance Department
45:New York State Insurance Department
13:
923:Federal Reserve Board of Governors
553:New York State Credit Union League
467:Article XII-D of the Banking Law.
427:Investment companies (Article XII)
254:Holocaust Claims Processing Office
14:
1688:
1616:Joint Commission on Public Ethics
995:Interest Rate Control Act of 1966
815:
660:
590:. 15 October 2008. Archived from
18:New York State Banking Department
1636:Public Authorities Control Board
1400:
1390:
1381:
1380:
1130:Electronic Fund Transfer (Reg E)
1120:Home Mortgage Disclosure (Reg C)
1115:Equal Credit Opportunity (Reg B)
128:
1179:Community Reinvestment (Reg BB)
802:
793:
784:
216:savings and loan associations.
1611:Commission on Judicial Conduct
918:Federal Housing Finance Agency
775:
772:NYS Banking Law §§75-A to 75-O
766:
702:
693:
671:"Mission of the Banking Board"
630:
573:
267:Criminal Investigations Bureau
143:format but may read better as
1:
566:
1508:Children and Family Services
1353:Banking in the United States
1024:Electronic Fund Transfer Act
1014:Home Mortgage Disclosure Act
535:State regulator associations
87:
7:
1210:Federal savings association
1039:Depository Institutions Act
369:Banks & trust companies
71:, Albany, and an office in
10:
1693:
1493:Environmental Conservation
1019:Community Reinvestment Act
903:Farm Credit Administration
333:Nature of state regulation
110:New York State Legislature
81:New York State Comptroller
54:
41:New York State Legislature
1598:
1455:
1448:New York state government
1376:
1345:
1314:
1228:
1197:
1189:Truth in Savings (Reg DD)
1143:Loans to Insiders (Reg O)
1100:
1009:Fair Credit Reporting Act
946:
890:
485:Premium finance companies
478:Mortgage loan originators
1169:Truth in Lending (Reg Z)
1140:Consumer Leasing (Reg M)
991:Bank Holding Company Act
986:Federal Credit Union Act
956:Independent Treasury Act
360:
120:Banking Board membership
1463:Agriculture and Markets
1337:Thrift Financial Report
832:New York State Web site
675:www.banking.state.ny.us
642:www.banking.state.ny.us
505:Sales finance companies
152:converting this article
1067:Gramm–Leach–Bliley Act
498:Safe deposit companies
1198:Types of bank charter
1555:Taxation and Finance
1483:Economic Development
1358:Fair debt collection
1332:CAMELS rating system
1057:Truth in Savings Act
1034:Monetary Control Act
999:Truth in Lending Act
808:NYS Banking Law § 30
799:NYS Banking Law § 39
790:NYS Banking Law § 36
638:"Information Center"
581:"2007 Annual Report"
517:commercial mortgages
453:than 16% per annum.
22:New York Legislature
1569:Defunct departments
966:Federal Reserve Act
891:Federal authorities
716:on 16 December 2008
699:NYS Banking Law §13
280:Mortgage Fraud Unit
274:terrorist financing
20:was created by the
1515:Financial Services
981:Glass–Steagall Act
612:"NYS DFS: History"
457:Money transmitters
324:Consumer Help Unit
154:, if appropriate.
104:In 2011, Governor
73:Syracuse, New York
69:Empire State Plaza
30:money transmitters
1644:
1643:
1594:
1593:
1503:Family Assistance
1468:Audit and Control
1414:
1413:
1229:State authorities
1104:Board regulations
1062:Riegle-Neal IBBEA
961:National Bank Act
618:on 6 January 2012
420:Holding companies
315:Consumer services
173:
172:
96:The Banking Board
1684:
1599:Non-departmental
1566:
1565:
1441:
1434:
1427:
1418:
1417:
1404:
1394:
1384:
1383:
1159:
1102:Federal Reserve
1004:Bank Secrecy Act
976:1933 Banking Act
877:
870:
863:
854:
853:
809:
806:
800:
797:
791:
788:
782:
779:
773:
770:
764:
763:
761:
759:
753:
747:. Archived from
746:
737:
726:
725:
723:
721:
712:. Archived from
706:
700:
697:
691:
690:
688:
686:
681:on 13 April 2008
677:. Archived from
667:
658:
657:
655:
653:
648:on 17 April 1999
644:. Archived from
634:
628:
627:
625:
623:
614:. Archived from
608:
599:
598:
597:on 12 June 2011.
596:
588:NYS Banking Dept
585:
577:
471:Mortgage brokers
464:Mortgage bankers
450:Licensed lenders
440:General Electric
432:American Express
292:Other activities
168:
165:
159:
150:You can help by
132:
131:
124:
47:and created the
1692:
1691:
1687:
1686:
1685:
1683:
1682:
1681:
1647:
1646:
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65:New York City
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1586:Public Works
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1406:Banks portal
1346:Other topics
1296:Pennsylvania
1205:Credit union
971:McFadden Act
804:
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756:. Retrieved
749:the original
718:. Retrieved
714:the original
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683:. Retrieved
679:the original
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646:the original
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242:mainstream.
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156:Editing help
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1456:Departments
1450:departments
1327:CAEL Rating
1322:Call report
949:legislation
849:, 1912-1920
720:21 November
208:Group five:
202:Group four:
1651:Categories
1271:New Jersey
1236:California
1220:State bank
1087:Dodd–Frank
758:17 January
685:17 January
652:17 January
567:References
261:looted art
214:Group six:
189:Group two:
183:Group one:
164:April 2022
1581:Insurance
1498:Executive
1488:Education
1301:Tennessee
622:8 January
88:Employees
1386:Category
1306:Virginia
1286:Oklahoma
1276:New York
1261:Michigan
1256:Maryland
1251:Illinois
1241:Colorado
742:"Report"
108:and the
39:and the
1576:Banking
1246:Florida
1092:EGRRCPA
55:Mission
1520:Health
1291:Oregon
1052:FDICIA
1047:FIRREA
139:is in
1550:State
1525:Labor
1315:Terms
752:(PDF)
745:(PDF)
595:(PDF)
584:(PDF)
361:Scope
145:prose
1281:Ohio
760:2009
722:2008
687:2009
654:2009
624:2012
442:and
141:list
16:The
1530:Law
436:AIG
1653::
730:^
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162:(
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