New York Codes, Rules and Regulations (NYCRR)
Title 3 Part 120
Department of Financial Services
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Source version current through Sep 30, 2026
All 10 displayed sections in this Part carry the same compiled date. Status and warnings stay on each section.
3 NYCRR 120.1 - Definitions
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.2 - Data collection and reporting
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.3 - Review of applications
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.4 - Performance evaluations; public disclosure
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.5 - Assessment area
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.6 - Performance tests
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.7 - Lending test
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.8 - Service test
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.9 - High cost areas
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.
3 NYCRR 120.10 - Compliance date and transitional period
Related State Register notice: Adopted rule DFS-05-25-00002-A. Published Jan 7, 2026. Notice effective date: Jan 7, 2026.
Dates and status
- NYCRR title agency
- Department of Financial Services
- Section status
- Section source receipt
- Section text
- Sign in to read this section
- Source version current through
- Sep 30, 2026
- Related Register notice
- DFS-05-25-00002-A · Adopted rule
- Related notice published
- Jan 7, 2026
- Related notice effective date
- Jan 7, 2026
Current section text is not available here.