1674:
1694:
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27:
370:§ 102. "The legislature hereby declares that the purpose of this chapter is to consolidate the departments of insurance and banking, and provide for the enforcement of the insurance, banking and financial services laws, under the auspices of a single state agency to be known as the 'department of financial services' "
246:
and financial enforcement division ("CPFED"), research & innovation division, cybersecurity division, and climate division. The insurance division has life, health, and property bureaus. The CPFED was created by the
Financial Services Law and aims to protect and educate consumers of financial
160:
and created the New York State
Department of Financial Services effective October 3, 2011. The purpose of consolidating the agencies and creating the Department of Financial Services was to modernize regulation by allowing the agency to oversee a broader array of financial products and services,
233:
confirmed Harris on
January 25, 2022. Prior to joining DFS, Superintendent Harris served as Senior Advisor to Deputy Treasury Secretary, Sarah Bloom Raskin. She then moved to the White House where she managed the financial services portfolio at the National Economic Council for President Obama.
247:
products and services. It also aims to fight financial fraud. The CPFED pursues civil and criminal investigations of activities that may constitute violations of the
Financial Services Law, Banking Law, Insurance Law, or other laws, and brings enforcement proceedings where appropriate.
234:
After leaving the White House, Superintendent Harris served as
General Counsel and Chief Business Officer at Doma and also served as a Professor and Faculty Co-Director at the University of Michigan’s Gerald R. Ford School of Public Policy’s Center on Finance, Law and Policy.
513:
905:
901:
897:
259:
The department's main office is in New York City at One State Street. The department also has offices at One
Commerce Plaza in Albany, 333 East Washington Street in Syracuse, 65 Court Street in Buffalo, and 163B Mineola Boulevard in Mineola.
776:
1103:
250:
The department also has an Office of
General Counsel, which is the legal arm of the department. It drafts legislation, regulations, and circular letters, issues legal opinions, and renders legal advice to Department staff.
221:
James J. Wrynn, former
Superintendent of Insurance, was appointed as Deputy Superintendent of Financial Services for the Department. He left the Department in March 2012 to become a partner at Goldberg Segalla LLP.
201:
on May 24, 2011, as New York State's first
Superintendent of Financial Services. From May 24, 2011, until October 3, 2011, Lawsky also was appointed, and served as, Acting Superintendent of Banks for the former
1320:
185:; mortgage bankers; mortgage brokers; mortgage loan servicers; premium finance agencies; private bankers; safe deposit companies; sales finance companies; savings banks; and savings and loans.
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1113:
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706:
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was fined $ 300 million by the department for breach of money-laundering compliance related to potentially high-risk transactions involving the bank's clients in
1552:
990:
861:"Attorney General Cuomo Sues National Home Protection, Inc. For Home Warranty Scheme That Defrauded Consumers Nationwide Out Of Hundreds Of Thousands Of Dollars"
1728:
1005:
347:
The DFS has the authority to license and regulate service contract providers. A list of the currently licensed service contractor providers can be found at
960:
1582:
812:
1204:
1159:
307:
on July 23, beginning a 45-day comment period. On
February 25, 2015, a revised proposal notice was published, beginning another 30-day comment period.
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980:
936:
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1330:
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1000:
965:
488:
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1108:
335:
On January 30, 2017, the NYSDFS (New York State Department of Financial Services) fined Deutsche Bank $ 425 million for violating New York's
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410:
1057:
1042:
1037:
1032:
1532:
970:
351:. New York State and other states, such as California, have the authority to fine or prosecute unlicensed service contract providers.
169:
The department supervises approximately 4400 entities, with assets of about $ 6.2 trillion. These entities include: state-chartered
1363:
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600:
727:
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909:
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348:
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995:
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173:
and trust companies; insurance companies; insurance producers; insurance adjusters; bail bond agents; service contracts;
153:
1450:
Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U)
1587:
1496:
1214:
1047:
1022:
1577:
1073:
211:
203:
157:
1557:
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1128:
1027:
922:
626:"GOVERNOR HOCHUL ANNOUNCES NOMINATION OF ADRIENNE HARRIS AS SUPERINTENDENT OF THE DEPARTMENT OF FINANCIAL SERVICES"
819:
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367:
87:
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responsible for regulating financial services and products, including those subject to the
8:
1257:
789:
707:"Every Important Person In Bitcoin Just Got Subpoenaed By New York's Financial Regulator"
243:
914:
327:. The bank issued a statement accepting responsibility and regretting the deficiencies.
1416:
1144:
731:
316:
198:
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1683:
1252:
435:
182:
728:"NYDFS Releases Proposed BitLicense Regulatory Framework for Virtual Currency Firms"
681:
1295:
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174:
50:
489:"California Department of Insurance Issues Cease And Desist Orders to 4 Companies"
464:"California Department of Insurance Issues Cease And Desist Orders to 4 Companies"
1687:
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537:
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145:
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residing in New York. The proposed regulations were officially published in the
725:
298:
218:
towards a new financial regulator called the Department of Financial Services.
575:
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651:
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The Department has five divisions: the insurance division; banking division,
178:
60:
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The department's regulations are compiled in titles 3, 11, and 23 of the
433:
1321:
Financial Institutions Regulatory and Interest Rate Control Act of 1978
294:
286:
magazine reported that the department initiated an investigation into
1442:
Prohibition Against the Paying of Interest on Demand Deposits (Reg Q)
320:
26:
726:
New York State Department of Financial Services (July 17, 2014).
287:
293:
On July 17, 2014, the department released details on a proposed
1454:
Transactions Between Member Banks and Their Affiliates (Reg W)
790:"US regulators ask Standard Chartered to pay $ 300 mn penalty"
411:"What is the New York State Department of Financial Services?"
297:, which places regulations on any company or person that uses
170:
890:
434:
Lawsky, Superintendent of Financial Services, Benjamin M.
177:; budget planners; charitable foundations; check cashers;
16:
Responsible for regulating financial services and products
944:
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by issuing subpoenas to several companies and investors.
229:
appointed Adrienne A. Harris to lead the Department. The
1417:
Reserve Requirements for Depository Institutions (Reg D)
1174:
101:
73:
Adrienne A. Harris, Superintendent of Financial Services
1476:
Availability of Funds and Collection of Checks (Reg CC)
1104:
Board on Electric Generation Siting and the Environment
134:
New York insurance, banking and financial services laws
458:
456:
1403:
Extensions of Credit by Federal Reserve Banks (Reg A)
779:, pp. 17-18. Rulemaking I.D. No. DFS-29-14-00015-RP.
761:, pp. 14-16. Rulemaking I.D. No. DFS-29-14-00015-P.
453:
1205:Federal Financial Institutions Examination Council
1066:
818:. Department of Financial Services. Archived from
601:"Goldberg Segalla Appoints James Wrynn as Partner"
206:. As Superintendent of Banks, Lawsky led Governor
1438:Privacy of Consumer Financial Information (Reg P)
782:
1710:
1655:History of central banking in the United States
686:New York State Department of Financial Services
656:New York State Department of Financial Services
630:New York State Department of Financial Services
580:New York State Department of Financial Services
542:New York State Department of Financial Services
440:New York State Department of Financial Services
390:New York State Department of Financial Services
349:Currently Registered Service Contract Providers
118:New York State Department of Financial Services
1466:Unfair or Deceptive Acts or Practices (Reg AA)
1729:Bank regulation in the United States by state
1160:
930:
721:
719:
713:, August 12, 2013. Retrieved August 13, 2013.
342:
1426:Limitations on Interbank Liabilities (Reg F)
310:
144:As part of the 2011 state budget, Governor
1167:
1153:
937:
923:
716:
676:
674:
672:
181:; investment companies; licensed lenders;
25:
1364:Fair and Accurate Credit Transactions Act
1230:Office of the Comptroller of the Currency
570:
568:
566:
564:
562:
560:
558:
380:
378:
376:
1429:International Banking Operations (Reg K)
1335:Competitive Equality Banking Act of 1987
837:"Service Contract Provider Registration"
792:. New York City News.Net. 19 August 2014
777:Vol. XXXVII, Issue 8 (February 25, 2015)
254:
1734:Government agencies established in 2011
1724:2011 establishments in New York (state)
1719:New York (state) government departments
669:
1711:
1457:Borrowers of Securities Credit (Reg X)
1129:New York State Law Revision Commission
1124:New York State Financial Control Board
555:
373:
330:
1446:Credit by Brokers and Dealers (Reg T)
1220:Financial Stability Oversight Council
1200:Federal Deposit Insurance Corporation
1148:
976:Corrections and Community Supervision
918:
910:New York Codes, Rules and Regulations
810:
271:New York Codes, Rules and Regulations
1369:Emergency Economic Stabilization Act
1225:National Credit Union Administration
1190:Consumer Financial Protection Bureau
1176:Bank regulation in the United States
1119:Legislative Bill Drafting Commission
759:Vol. XXXVI, Issue 23 (July 23, 2014)
161:such as service contract providers.
216:New York State Insurance Department
154:New York State Insurance Department
13:
1215:Federal Reserve Board of Governors
804:
427:
14:
1750:
1287:Interest Rate Control Act of 1966
1114:Joint Commission on Public Ethics
882:
811:Vullo, Maria T. (June 15, 2018).
481:
212:New York State Banking Department
210:’s initiative to consolidate the
204:New York State Banking Department
158:New York State Banking Department
1692:
1682:
1673:
1672:
1422:Electronic Fund Transfer (Reg E)
1412:Home Mortgage Disclosure (Reg C)
1407:Equal Credit Opportunity (Reg B)
1134:Public Authorities Control Board
841:Department of Financial Services
20:Department of Financial Services
1471:Community Reinvestment (Reg BB)
853:
829:
764:
746:
730:(Press release). Archived from
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644:
618:
593:
237:
1739:Insurance in the United States
1210:Federal Housing Finance Agency
1109:Commission on Judicial Conduct
530:
506:
403:
361:
164:
1:
354:
263:
188:
1645:Banking in the United States
1316:Electronic Fund Transfer Act
1306:Home Mortgage Disclosure Act
1006:Children and Family Services
538:"Who We Supervise, About Us"
491:. 2022-03-18. Archived from
7:
1502:Federal savings association
1331:Depository Institutions Act
128:) is the department of the
10:
1755:
1311:Community Reinvestment Act
1195:Farm Credit Administration
991:Environmental Conservation
518:legaldocs.insurance.ca.gov
343:Service Contract Providers
337:anti-money laundering laws
277:
231:New York State Legislature
195:New York State Legislature
150:New York State Legislature
139:
1668:
1637:
1606:
1520:
1489:
1481:Truth in Savings (Reg DD)
1435:Loans to Insiders (Reg O)
1392:
1301:Fair Credit Reporting Act
1238:
1182:
1096:
953:
946:New York state government
225:In August 2021, Governor
130:New York state government
96:
80:
66:
56:
46:
38:
33:
24:
1461:Truth in Lending (Reg Z)
1432:Consumer Leasing (Reg M)
1283:Bank Holding Company Act
1278:Federal Credit Union Act
1248:Independent Treasury Act
311:Standard Chartered Fined
1629:Thrift Financial Report
961:Agriculture and Markets
772:New York State Register
754:New York State Register
304:New York State Register
1359:Gramm–Leach–Bliley Act
682:"Contact Us, About Us"
436:"Leadership, About Us"
415:Dow Jones Professional
368:Financial Services Law
197:unanimously confirmed
88:Financial Services Law
1490:Types of bank charter
734:on September 23, 2014
255:Offices and locations
1650:Fair debt collection
1624:CAMELS rating system
1349:Truth in Savings Act
1326:Monetary Control Act
1291:Truth in Lending Act
1053:Taxation and Finance
981:Economic Development
813:"2017 Annual Report"
605:Citybizlist New York
67:Department executive
1258:Federal Reserve Act
1183:Federal authorities
1067:Defunct departments
576:"Mission, About Us"
386:"History, About Us"
331:Deutsche Bank Fined
315:On 19 August 2014,
244:consumer protection
34:Department overview
21:
1273:Glass–Steagall Act
1013:Financial Services
906:Financial Services
317:Standard Chartered
199:Benjamin M. Lawsky
183:money transmitters
19:
1706:
1705:
1521:State authorities
1396:Board regulations
1354:Riegle-Neal IBBEA
1253:National Bank Act
1142:
1141:
1092:
1091:
1001:Family Assistance
966:Audit and Control
468:Insurance Journal
152:consolidated the
114:
113:
1746:
1696:
1686:
1676:
1675:
1451:
1394:Federal Reserve
1296:Bank Secrecy Act
1268:1933 Banking Act
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1155:
1146:
1145:
1097:Non-departmental
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891:Official website
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632:. 31 August 2021
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495:on 18 March 2022
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299:cryptocurrencies
282:In August 2013,
175:life settlements
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1688:Business portal
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1374:Credit CARD Act
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208:Andrew M. Cuomo
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146:Andrew M. Cuomo
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42:October 3, 2011
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883:External links
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