The provided legal document content pertains to the issuance of credit cards by state-chartered credit unions in New York. It authorizes credit unions to issue credit cards to their members for the purpose of providing access to overdraft loans, cash advances, and purchases of goods or services. The issuance of credit cards must comply with the provisions of article XI of the Banking Law. Overdraft loans and cash advances should be made based on the terms and conditions specified in subdivision 5 of section 108 of the Banking Law.

These legal documents, part of the New York Codes, Rules and Regulations, pertain to compliance with Community Reinvestment Act (CRA) requirements for banking institutions. They outline the evaluation process and criteria for assessing the CRA performance of banking institutions in New York. The documents cover various aspects such as lending activities, investment test, service test, community development test, small banking institution performance standards, strategic plans, assessment areas, filing requirements, data collection requirements for minority- and women-owned businesses, and assessments and public disclosure.

The provided legal document content consists of multiple documents related to basic banking accounts and banking institutions in New York. The documents govern the approval process for alternative accounts and other banking services, required disclosures for basic banking accounts, conditions for opening or maintaining a basic banking account, features and requirements for consumer transaction accounts, key terms related to banking institutions and consumer transaction accounts, and the policy for making lower cost banking services available to consumers.

This legal document, part of the New York Codes, Rules and Regulations, governs variable rate open-end accounts established by lending institutions. Lending institutions must comply with the requirements outlined in this document when offering such accounts. The document specifies that lending institutions must choose an approved index for the open-end account’s rate calculation. The rate can be based directly on the index values or on the index values plus or minus additional percentage points.

The provided legal document content pertains to the borrowing activities of credit unions. According to 3 CRR-NY 95.2, a credit union is allowed to borrow money in any amount for the purpose of repaying shareholders. Additionally, the credit union can pledge its assets as collateral to secure such borrowings. The document references the New York Codes, Rules and Regulations, specifically the General Regulations of the Superintendent under the Banking category. The document does not mention any specific exemptions or penalties related to credit union borrowings.

This legal document, part of the New York Codes, Rules and Regulations, specifically the General Regulations of the Superintendent, pertains to lending limits for credit unions. It allows credit unions to make loans to their members that are secured by collateral other than shares of the credit union. The loans can be made in an amount not exceeding 25 percent of the net worth of the credit union or $15,000, whichever is greater.

The provided legal document content pertains to the investment in credit union organizations. It outlines the definition of a shared service center, the permitted services that a credit union organization can offer to its members, and the requirement to notify the superintendent about the location of shared service centers. Additionally, it states that a credit union cannot invest in or make loans to any credit union organization without filing a letter agreement with the superintendent, which includes certain provisions related to supervision and reimbursement of examination costs.

The provided legal document content pertains to the Supervisory Policies and Procedures for Commercial Banks in New York. These policies and procedures govern the operations and activities of commercial banks in the state. They provide guidelines and regulations for various aspects of commercial banking, including risk management, capital adequacy, asset quality, management practices, earnings, liquidity, and sensitivity to market risk. The document outlines the expectations and requirements for commercial banks to ensure the safety and soundness of their operations, protect the interests of depositors, and maintain the stability of the banking system.

The provided legal document content includes various documents related to the application processes and requirements for individuals or entities in the mortgage industry in the state of New York. These documents cover the application process for a change of control of a Mortgage Loan Servicer (MLS), the application process for registration as a Mortgage Loan Servicer (MLS), the application process for an initial license as a Mortgage Loan Originator (MLO), the requirements for obtaining approval to make FHA insured mortgage loans, the application process for mortgage brokers to apply for inactive status, the application process for a change in control of a Mortgage Broker, the requirements for individuals or entities seeking registration as a mortgage broker, the application process for a change in control of a mortgage banker, and the requirements for individuals or entities seeking registration as a mortgage banker.

The provided legal document content covers various aspects related to the conduct of hearings before the New York State Gaming Commission, including the authority and responsibilities of the person conducting the hearings, fair conduct of hearings, use of electronic bingo aids, conduct of bingo in leased premises, lawful expenditures for bingo operations, conduct of bonus ball games, and the appeals process. It also covers regulations for bingo registration and licensing, sales and distribution of bingo supplies or equipment, establishment of maximum rentals for commercial lessors, amendment of bingo licenses, and registration and identification requirements for organizations involved in conducting bingo.