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Watch out for anybody who wants an upfront cost in trade to get you a mortgage loan modification, saving your property from standard or stopping a property property foreclosure or income income income tax purchase. Ny legislation prohibits the assortment of such charges in many instances. Additionally, numerous not-for-profit housing counselors can help you negotiate along with your loan provider free of charge.

Watch out for anybody who states they could keep your house so you can catch up on your mortgage payments or refinance your loan if you sign or transfer the deed to your house over to them. Never ever submit your home loan repayments to anybody other than your mortgage company without its approval.

The Department is giving property foreclosure prevention professionals to help home owners at web web sites throughout the state, specially where you can find high levels of home owners in or susceptible to property property property foreclosure. The Department’s property property foreclosure avoidance effort was released in February and has now checked out significantly more than a dozen internet sites into the state included in its outreach work.

news release – September 19, 2017: DFS problems Final Regulation to guard New Yorkers from Unjustified lifetime Insurance Premium Increases

New Regulation needs Life Insurers to Notify DFS at the very least 120 Days Before A change that is adverse in components of a preexisting Life Insurance Policy

Starting March 19, 2018, Life Insurers Must Now inform customers at the very least 60 times just before A change that is adverse in aspects of an In-Force Life Insurance or Annuity Policy

Financial solutions Superintendent Maria T. Vullo today announced that the Department of Financial Services (DFS) has adopted a brand new regulation regulating life insurance coverage business techniques linked to increases within the premiums or costs of particular life insurance coverage and annuity policies. The last regulation provides DFS the capacity to review increases ahead of execution and make sure conformity with legislation, by needing life insurers to alert DFS at the very least 120 times ahead of a detrimental improvement in non-guaranteed aspects of an in-force life insurance coverage. Annuity issuers must now file yearly with DFS to tell the Department of every undesirable changes to annuity policies built in the year that is prior. Ny Insurance Law forbids life insurers from changing non-guaranteed elements in a discriminatory method for people in exactly the same course of policyholders. Just particular enumerated facets, which do not consist of revenue, can be viewed whenever wanting to alter non-guaranteed elements.

“This legislation was created to protect New Yorkers from unjust and inequitable price increases in in-force policies — specially the numerous seniors who possess dutifully compensated premiums for many years, and whom can minimum manage increased expenses to keep insurance plan,” said Superintendent Vullo. “With this regulation that is new DFS will have a way to examine increases by life insurers and make sure any increases adhere to legislation, and consumers will soon be supplied advance notice of every negative modifications with their premiums.”

Specific life insurers somewhat increased the expense of insurance coverage on older term life insurance policies as a result of decreased profitability stemming from low interest and, in some instances, unfavorable mortality experience. DFS drafted the legislation in reaction to issues raised by customer teams that some insurers haven’t been applying these increases according to DFS authorized policy provisions as well as the appropriate conditions for the brand brand New York Insurance Law.

As well as notifying DFS, the ultimate regulation calls for life insurers to alert customers at the least 60 times ahead of a bad improvement in non-guaranteed aspects of an in-force life insurance policies or annuity policy.

The new guideline used by DFS today takes under consideration feedback which were submitted because of the insurance coverage industry through the two remark durations for the proposed legislation posted in November 2016.

A duplicate associated with final regulation can be located right right here.

news release – 18, 2017: DFS Urges Financial Institutions to Take Immediate Steps to Protect Sensitive Consumer Data in Light of Equifax Cyberattack september

Guidance Instructs Financial Institutions to examine I . T, ID Theft and Fraud Prevention Products

Data Sharing with Equifax along with other Credit Reporting Agencies Should get higher level of Review and focus on Determine Potential danger

Financial solutions Superintendent Maria T. Vullo today announced that the Department of Financial payday loans in New Hampshire Services (DFS) has given guidance to urge nyc State chartered and licensed finance institutions to simply just take instant action and consider precautions to safeguard customers in light associated with the cybersecurity assault at Equifax that compromised the private information of millions of Us americans. The data accessed by code hackers includes names, Social Security Numbers, delivery times, details, and, in certain instances, motorists’ permit figures. The guidance released today supports DFS’s first-in-the-nation cybersecurity legislation, which went into impact earlier in the day this present year, and needs banking institutions, insurance firms, as well as other economic services organizations managed by DFS to ascertain and keep a cybersecurity system built to protect customers and make certain the security and soundness of New York State’s monetary solutions industry.

“The range and scale with this cyberattack is unprecedented and DFS is ready to simply just just take all actions required to protect brand New York’s customers and markets that are financial” Superintendent Vullo stated. “Given the severity of the breach, the possibility problems for customers and our banking institutions, as well as in light to the fact that an amount of finance institutions have actually arrangements with Equifax under which financial institutions offer customer account and financial obligation information to Equifax and get comparable information from Equifax, DFS is issuing this guidance to ensure this event gets the best degree of attention and vigilance at brand brand brand New York’s regulated organizations.”

Initial reports indicate that hackers might have exploited an application that is website to achieve unauthorized usage of really delicate customer and commercial information, which highlights the reality that banking institutions can not any longer simply count on actually recognizable information (PII) as a way of confirming a person’s identity. PII has been purchased and offered as a consequence of occasions like this latest event, which increasingly necessitates consideration of Multi-Factor Authentication and Risk-Based Authentication practices, as motivated beneath the DFS’s cybersecurity regulation.

DFS is asking brand new York State chartered and licensed institutions that are financial consider the immediate following:

  • Make sure all given I . t and information safety spots have already been set up;
  • Ensure that appropriate ID theft and fraudulence avoidance programs come in spot and used for consumer due diligence/Know Your Customer (“KYC”) purposes and before a free account is opened, or a charge card is given, or any loan or any other as a type of funding is authorized, whether for brand new applicants or current customers, and, if appropriate, contemplate using an identification verification/fraud service for identity verification;
  • Verify the validity of data found in Equifax credit history (for provision of products and services to new applicants, as well as existing clients, as they may have been compromised given the cyberattack if they receive them) before relying on them;

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