New York Codes, Rules and Regulations (NYCRR)
Title 3 Part 38
Department of Financial Services
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Source version current through Dec 31, 2025
All 13 displayed sections in this Part carry the same compiled date. Status and warnings stay on each section.
3 NYCRR 38.1 - Definitions
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3 NYCRR 38.2 - Solicitation and advertising
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3 NYCRR 38.3 - Application disclosures and procedures
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3 NYCRR 38.4 - Commitment disclosures and procedures
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3 NYCRR 38.5 - Prevailing rate
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3 NYCRR 38.6 - Lock-in agreements (guaranteed rate)
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3 NYCRR 38.7 - Prohibited conduct
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3 NYCRR 38.8 - Administrative actions and penalties
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3 NYCRR 38.9 - Limitation on excess insurance and required disclosures
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3 NYCRR 38.10 - Notification requirement
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3 NYCRR 38.11 - Requirements for branches
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3 NYCRR 38.12 - Dual agency transaction disclosures
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3 NYCRR 38.13 - FHA mortgage loan correspondents
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