Industry Letters

Note: Links to the explanatory letters issued by the Department of Financial Services in connection with the proposal or adoption of particular regulations may be found in the Regulations section of this web site.

Date Published Subject Category
2022-11-15 Absence from the Office as an Internal Control Safeguard Banking
2022-11-14 Consideration of Proposed Fee Modifications for Licensed Budget Planners Budget Planners

2022-11-08

Request for Information Regarding Private Student Loan Refinancing in New York State

General

2022-09-23

Guidance Letter to New York State Chartered Banking Organizations Regarding Hurricane Fiona in Puerto Rico

Banking

2022-09-14

Notice Regarding Ethereum’s Upcoming Protocol Change

Virtual Currency

2022-07-13

Best Practices for Promoting Public Service Loan Forgiveness

Banking

2022-07-12

Avoiding Improper Practices Related to Overdraft and Non-Sufficient Funds Fees

Banking

2022-06-08

Guidance on the Issuance of U.S. Dollar-Backed Stablecoins Virtual Currency

2022-05-17

Reverse Mortgage Loans for Cooperative Apartment Units

Mortgage Banking

2022-05-05

Notice to Pharmacy Benefit Managers Regarding Mandatory Registration and First Annual Report With NYS Department of Financial Services Pursuant to Insurance Law §§ 2902-2904 Pharmacy Benefit Managers

2022-04-28

Guidance on Use of Blockchain Analytics

Virtual Currency

2022-04-15

Offering Bank On Accounts as an Alternative to New York Basic Banking Accounts

Banking

2022-04-07

Compliance with 23 N.Y.C.R.R. § 1.3(b) and the new Consumer Credit Fairness Act

Debt Collection

2022-02-25

Escalating Situation in Ukraine and Impact to Financial Sector

General

2022-01-21

Extension of the Public Comment Period Relating to “Vacation Policy as an Internal Control Safeguard" RFI

Banking

2022-01-10

Application of Banking Law § 9-y to Credit Unions

Banking

2022-01-04

Request for Information Regarding Vacation Policy as an Internal Control Safeguard (Updated 2022-01-21)

Banking

2021-12-28

New York State Department of Labor to Implement Change to Excluded Workers Fund Prepaid Cards

Banking

2021-12-22

Fee Waiver for Holocaust Reparation Payments (PDF)

Banking

2021-12-17

Log4j Vulnerability

Cybersecurity

2021-12-07

Guidance on Multi-Factor Authentication

Cybersecurity

2021-10-28

Loss Mitigation for Borrowers impacted by COVID-19

Mortgage Banking

2021-08-31

Preventing Sexual Orientation Discrimination in Mortgage Lending

Mortgage Banking

2021-07-29

Diversity, Equity, and Inclusion and Corporate Governance

Banking

2021-06-30

Ransomware Guidance

Cybersecurity

2021-05-19

Tangible Net Worth Calculation

Check Casher

2021-04-26

Pulse Connect Secure Critical Vulnerability

Cybersecurity

2021-04-19

Cyber Fraud Alert Follow-Up: New York Insurance Identification (ID) Card Barcode Vulnerability

Cybersecurity

2021-04-14

Evidence of Future Possession of Location of Business

Check Casher

2021-03-30

Cyber Fraud Alert Follow-Up

Cybersecurity

2021-03-09

Microsoft Reports Exploitation of Four Vulnerabilities in Microsoft Exchange Server

Cybersecurity

2021-02-16

Cyber Fraud Alert on Nonpublic Information (NPI)

Cybersecurity

2021-02-12

Annual Maximum Check Casher Fee

Check Casher

2021-02-09

CRA Consideration for Activities that Contribute to Climate Mitigation and Adaptation

General

2020-12-18

Supply Chain Compromise Alert

Cybersecurity

2020-10-29

Climate Change and Financial Risks

General

2020-09-01

Guidance to New York State Regulated Mortgage Lenders and Servicers Relating to Fees Paid to Register Mortgages in Default

Mortgage Banking

2020-07-14

FinCEN Guidance to Financial Institutions with Respect to Hemp-Related Business Customers

General

2020-06-30

Alert Regarding Amendments to the New York Community Reinvestment Act

General

2020-06-30

CRA Consideration for Activities in Response to COVID-19

General

2020-06-24

Notice of Virtual Currency Business Activity License Application Procedures

Virtual Currency

2020-06-24

Guidance Regarding Adoption or Listing of Virtual Currencies

Virtual Currency

2020-06-24

Request for Comments on a Proposed Framework for a Conditional BitLicense

Virtual Currency

2020-06-17

Guidance to New York State-Regulated Financial Institutions Regarding Support for New York Consumers Impacted by the Novel Coronavirus (COVID-19)

General

2020-06-17

Guidance to New York State-Regulated Consumer Credit Reporting Agencies Regarding Support for New York Consumers Impacted by COVID-19

General

2020-06-12

Compliance with 3 NYCRR Part 419, Servicing Mortgage Loans: Business Conduct Rules

Mortgage Banking

2020-05-22

Advisory on Medical Scams Related to COVID-19

General

2020-04-13

Guidance to Regulated Entities Regarding Cybersecurity Awareness During COVID-19 Pandemic

Cybersecurity

2020-04-07

Guidance to New York State-Regulated Student Loan Servicers Regarding Support for Borrowers Impacted by COVID-19

General

2020-04-05

Community Development Financial Institutions (CDFIs)

General

2020-04-03

Guidance to DFS Regulated Entities Regarding Cybersecurity Awareness During COVID-19 Pandemic

Cybersecurity

2020-04-03

Paycheck Protection Loan Program

General

2020-03-19

Guidance to New York State Regulated Financial Institutions Regarding Support for Consumers and Businesses Impacted by COVID-19

General

2020-03-19

Guidance to New York State Regulated and Exempt Mortgage Servicers Regarding Support for Borrowers Impacted by COVID-19

Mortgage Banking

2020-03-10

Guidance to Regulated Institutions Engaged in Virtual Currency Business Activity and Request for Assurance Relating to Operational and Financial Risk Arising from the Outbreak of the Novel Coronavirus (COVID-19)

General

2020-03-10

Guidance to New York State Regulated Banks, Credit Unions and Licensed Lenders Regarding Support for Businesses Impacted by the Novel Coronavirus

General

2020-03-10

Guidance to New York State Regulated Institutions and Request for Assurance Relating to Potential Financial Risk Arising from the Outbreak of the Novel Coronavirus

General

2020-03-10

Guidance to New York State Regulated Institutions on Operational Risk Arising from the Outbreak of the Novel Coronavirus

General

2020-02-28

Annual Maximum Check Casher Fee

Check Casher

2020-02-12

Compliance with Law Requiring Immediate Release of Liens Upon Clearance of Payment

General

2020-02-05

Regulated Institutions May Receive CRA Consideration for Participation in New York Fed Investment Connection Program in Puerto Rico 

General

2020-02-05

Guidance to New York State Regulated Institutions Regarding the Earthquakes in Puerto Rico

General

2020-01-23

Request for Assurance of Preparedness for LIBOR Transition (Update)

General

2020-01-04

Cybersecurity Risk Alert (PDF)

Cybersecurity

2020-01-02

Increase in Maximum Check Casher Fee

Check Casher

2019-12-23

Request for Assurance of Preparedness for LIBOR Transition

General

2019-12-11

Proposed Guidance Regarding Adoption or Listing of Virtual Currencies

Virtual Currency

2019-02-14

Annual Maximum Check Casher Fee (PDF)

Check Casher

2019-01-07

Guidance on Whistleblowing Programs (PDF)

 

2018-09-25

Guidance on Permissible Lending Practices Regarding Rent-Stabilized Multi-Family Residential Buildings (PDF)

General

2018-08-23

Indirect Automobile Lending and Compliance with New York’s Fair Lending Statute (PDF)

General

2018-07-03

Guidance on Provision of Financial Services to Medical Marijuana and Industrial Hemp-Related Businesses in New York State (PDF)

General

2018-04-19

Guidance on Risk Management Relating to the NRA and Similar Gun Promotion Organizations - Banking Industry

General

2018-04-19

Guidance on Risk Management Relating to the NRA and Similar Gun Promotion Organizations - Insurance Industry

General

2018-02-07

Guidance on Prevention of Market Manipulation and Other Wrongful Activity (PDF)

Virtual Currency

2018-02-05

Annual Maximum Check Casher Fee (PDF)

Check Casher

2017-11-29

DFS Student Branches Credit Union Order (PDF)

General

2017-10-19

Low-Income Designation for New York State Chartered Credit Unions (PDF)

General

2017-10-04

Guidance to New York State Chartered Banks Regarding Hurricanes Maria and Irma in Puerto Rico and the U.S. Virgin Islands (PDF)

General

2017-09-18

Guidance Relating to Equifax Data Breach - Banking Industry

Banking

2017-09-18

Guidance Relating to Equifax Data Breach - Insurance Industry

Insurance

2017-06-28

Use of Temporary Limited Service Units or Facilities by New York State Chartered Credit Unions (PDF)

Credit Union

2017-05-22

Guidance on Acquisition of Control of Banking Institutions (PDF)

Banking

2017-04-05

Wild Card Relief from Oaths of Office by Officers, Directors and Committee Members of New York State Chartered Credit Unions (PDF)

Credit Union

2017-04-04

The Exempt Income Protection Act (PDF)

General

2017-02-13

Annual Maximum Check Casher Fee (PDF)

Check Casher

2016-10-11

Guidance on Incentive Compensation Arrangements (PDF)

General

2016-02-15

Annual Maximum Check Casher Fee (PDF) (updated January 22, 2016)

Check Casher

2016-01-19

The Primary Mortgage Market Survey and Subprime Lending in New York (PDF)

Mortgage Banking

2015-10-13

Requirements on Use of Symphony Communication Services (PDF) 

General

2015-08-07

Appearance Enhancement Facilities - Wage Payment Surety Bonds (PDF)

Insurance

2015-02-26

Guidance for Financial Institutions on Preventing Elder Financial Exploitation

General

2015-02-15

Annual Maximum Check Casher Fee

Check Casher

2014-12-04

Updated Final Guidelines for Bank Lending to Multifamily Properties Under the Community Reinvestment Act (PDF)

CRA

2014-12-10

New Cyber Security Examination Process (PDF)

Cybersecurity

2014-09-16

Elimination of Manual Submission of Quarterly Commitment Data by Mortgage Bankers (PDF)

Mortgage Banking

2014-02-21

Annual Maximum Check Casher Fee

Check Casher

2014-02-06

FS-ISAC Participation Recommended For All NYS-Chartered Depository Institutions (PDF)

General

2013-10-25

Recent Amendments to New York General Business Law Affecting Consumer Credit Card Information and Related Notices on Statements (PDF)

General

2013-09-26

Changes and Clarifications to Pre-Foreclosure Filings with the Department of Financial Services

Mortgage Banking

2013-09-05

Guidelines for Bank Lending to Multifamily Properties Under the Community Reinvestment Act (PDF)

CRA

2013-08-30

Extension of Temporary Order Pursuant to Banking Law § 6-m and Financial Services Law § 302(a) (PDF)

Mortgage Banking

2013-07-31

CRA Credit in Designated Disaster Areas and the New York Rising Community Reconstruction Program (PDF)

CRA

2013-07-03

Determination of Subprime Home Loans under Section 6-m of the New York Banking Law (PDF) | Temporary Order (PDF)

Mortgage Banking

2013-03-19

Executive Order #52 and Pre-Foreclosure Notices and Filings with the Department of Financial Services

Mortgage Banking

2013-02-12

Annual Maximum Check Casher Fee

Check Casher

2012-10-24

Contact Information for Notices Required by Real Property Actions and Proceedings Law § 1303

General

2012-02-06

Annual Maximum Check Casher Fee

Check Casher

2012-01-04

Adoption of amendments to Part 39 of the General Regulations of the Banking Board

Banking

2011-12-19

Withholding Charges to Borrowers Due to Closing of the Baum Firm

Mortgage Banking

2011-09-14

Notice to Persons First Required to Register as Mortgage Loan Servicers by August 24, 2011 Emergency Adoption of Part 418 of the Superintendent’s Regulations

Mortgage Banking

2011-06-16

Addition of Statement to Introductory Paragraph of Written Mortgage Application and Part 38.3 of the General Regulations of the Banking Board

Mortgage Banking

2011-05-10

Deeds-in-Lieu of Foreclosure and § 265-a of the Real Property Law

Mortgage Banking

2011-04-29

New Interim Federal Rule Regarding the Garnishment of Bank Accounts Containing Federal Benefit Payments

General

2011-04-19

Foreign Exchange Dealers May be Required to be Licensed as Money Transmitters

General

2011-03-31

Money Transmitters with No Physical Presence in New York

General

2011-03-17

Filing of Quarterly Mortgage Call Report | Nationwide Mortgage Licensing System and Registry (NMLS)

Mortgage Banking

2011-02-18

Corporate Credit Unions Update

General

2011-02-08

Annual Maximum Check Cashers Fee

General

2011-02-04

Pursuant to New York Banking Law Article 12-E and Part 420 of the Superintendent’s Regulation

Mortgage Banking

2010-10-28

Corporate Credit Unions and the National Credit Union Administration

General

2010-10-26

Supplemental Guidance on Procedures For Review and/or Approval of Certain New Products

General

2010-10-20

Obligation of Organizations Exempt from Licensing as Mortgage Loan Servicers to Comply with Mortgage Servicer Notice and Conduct of Business Rules

Mortgage Banking

2010-10-08

Request for Mortgage Servicer Review of Foreclosure Practices

Mortgage Banking

2010-10-06

Industry Letter to Highlight Bank On Manhattan Initiative

General

2010-09-23

Alert to Increased Cyber Fraud Through Web-based Payment Services

Cybersecurity

2010-07-21

Mortgage Loan Originator Licensing

Mortgage Banking

2010-03-22

Potential CRA and Business Opportunities

General

2010-02-16

Annual Maximum Check Cashers Fee

Check Casher

2010-01-08

New York Banking Law Article 12-E and Superintendent’s Regulation Part 420 revised draft

Mortgage Banking

2009-12-17

Article 12-E of the New York Banking Law and Revised Part 420 of the Superintendent’s Regulation

Mortgage Banking

2009-12-15

Mortgage Loan Servicers Proposed Business Conduct Rules -- Part 419 of the Superintendent’s Regulations

Mortgage Banking

2009-12-15

Disclosure of Broker Compensation and Other Fees (PDF)

Mortgage Banking

2009-09-10

Updates Regarding Exempt Funds

General

2009-02-13

Annual Maximum Check Cashers Fee

Check Casher

2009-01-28

Federal Low Income Housing Tax Credit Program (LIHC)

General

2009-01-20

Amendments Regarding Exempt Funds

General

2009-01-07

Definition of “Spouse” for purposes of the Banking Law

General

2008-08-27

Subprime Lending Reform Bill

Mortgage Banking

2008-07-10

Reporting of Malicious Software Intrusions, Suspicious Websites, Phishing E-Mails and Lost or Stolen Data (update)

General

2008-07-09

Statutory Prohibitions Against “Tying” Title Insurance to Mortgage Financing

Mortgage Banking

2008-06-26

Implementation of Community Deposit Program

General

2008-02-15

Annual Maximum Check Casher Fee

Check Casher

2008-01-25

Tax Preparation Firms Conducting Check Cashing Activity

General

2007-12-19

Mortgage Loan Originator Authorization

Mortgage Banking

2007-12-17

VISA Inc. stock offering to members of Visa U.S.A.

General

2007-10-22

New Wildcard Authority Under New York State Banking Law

General

2007-07-30

Statement on Subprime Mortgage Lending

Mortgage Banking

2007-06-27

Sales Finance Companies: Licensing Requirements for Secondary Holders

General

2007-05-25

Guidance Statements on Mortgage Lending Standards

Mortgage Banking

2007-05-24

Changes in the billing process for the general assessment for all Mortgage Brokers (PDF)

Mortgage Banking

2007-02-12

Pledged Assets for Well-Rated Foreign Banking Organizations

General

2007-02-12

Annual Maximum Check Casher Fee

Check Casher

2007-02-12

Asset Pledge Report for Well Rated Foreign Banking Organizations (PDF)(PDF)

General

2007-02-01

Home Equity Theft Prevention Act

Mortgage Banking

2007-01-10

All Institutions Letter Concerning Banking Department Procedures for Review and/or Approval of Certain New Products of Banking Organizations

General

2006-09-18

New York State Department of Labor Issuance of Direct Payment Cards for Unemployment Insurance Benefits

General

2006-09-13

Fair Lending Examinations of Mortgage Brokers

Mortgage Banking

2006-08-30

CashPoint Legal Notice (PDF)

General

2006-08-04

Changes in the Banking Law Pertaining to the General Assessment, Expiration and Suspension of a License and Annual Registration Fees

Mortgage Banking

2006-07-03

New York Flooding Disaster - Guidance Letter

General

2006-05

Application Fee Schedule Change

General

2006-04-06

Best Practices of Multi-Family Lenders

General

2006-03-17

Motor Vehicle Sales Finance Companies: Prompt Delivery of Certificate of Title

General

2006-02-10

2006 - Revised Maximum Check Cashing Fee

Check Casher

2005-11-30

Clarification on Disaster Assistance CRA Guidelines

General

2005-10-13

Assistance to Victims of the Pakistani Earthquake

General

2005-09-02

Assistance for the Victims of Hurricane Katrina

General

2005-08-11

Overdraft Protection Programs

General

2005-05-09

Regulation C - Home Mortgage Disclosure Act Reporting Revisions and NY State Part 41 Loans

Mortgage Banking

2005-05-04

Information on 2Q Assessments - Mortgage Bankers

Mortgage Banking

2005-05-04

Information on 2Q Assessments - Mortgage Brokers

Mortgage Banking

2005-03-24

Budget Planner Surety Bond/Pledge of Assets

General

2005-03-18

2004 VOOR: Failure to File

Mortgage Banking

2005-02-11

Check Clearing for the 21st Century Act and Section 9-m of the Banking Law

General

2005-02-07

Annual Maximum Check Casher Fee

Check Casher

2004-10-29

Fair and Accurate Credit Transactions Act

Mortgage Banking

2004-06-25

Part 410 of the Superintendent’s Regulations Application Definition

Mortgage Banking

2004-07-01

Increased Bond Requirement Effective

Mortgage Banking

2004-06-00

Bank partnerships with supportive housing organizations and agencies

General

2004-06-04

Examination of budget planner activities and fee structure

General

2004-04-02

Guidance on Debt Cancellation Contracts and Debt Suspension Agreements by State Chartered Banks, Trust Companies, Savings Banks, Savings and Loan Associations, Credit Unions and Licensed Foreign Branches and Agencies

General

2004-02-13

The New York State Banking Department Has Consolidated its Toll Free Help and Complaint Lines into One Number: 1-877-BANK NYS

General

2004-02-02

Revised Bond Form and Deposit Agreement - Mortgage Bankers

Mortgage Banking

2004-02-02

Revised Bond Form and Deposit Agreement - Mortgage Brokers

Mortgage Banking

2004-01-00

Best Practices for Issuers of Debit Cards-Reissue

General

2004-01-20

Municipal Revenue Bond Underwriting by Banks and Trust Companies

General

2003-12-29

Amendments to Part 410 of the Superintendent's Regulations Concerning New Surety Bond Requirement or Deposit of Assets and Consultants who are Felons.

Mortgage Banking

2003-12-29

Amendments to Part 410 of the Superintendent's Regulations Concerning New Surety Bond Requirement or Deposit of Assets, Documentation, Records and Reporting Requirements and Consultants who are Felons.

Mortgage Banking

2003-12-24

Revisions to New York’s Executive Law Section 296-a

General

2003-09-26

New York's Financial Planning and Awareness Week

General

2003-09-18

Authority for Banks to Close Absent Governor’s Declaration of Bank Holiday

General

2003-09-08

Best Practices for the Prevention of Bank Robberies

General

2003-08-12

Employees with Felony Criminal Records, Hazard Insurance, Unlicensed Branch Offices, and Yield Spread Premiums

Mortgage Banking

2003-07-23

ATM Video Retention

General

2003-06-16

Clarification of Part 14 Notifications and Filings

General

2003-05-28

Reporting of Malicious Software Intrusions and Web Site Defacements

General

2003-05-08

Banking Department Offers Guidance to the Industry Regarding Recent Bank Robberies

General

2003-03-24

Creditor Negotiations with Budget Planners

General

2003-01-06

Guidance on Bank Owned Life Insurance (BOLI) Programs

General

2002-11-15

Examination Questionnaires and Office of the Ombudsman

General

2002-03-22

Institutions that Engage Arthur Andersen and Contingency Plans for Vendors

General

2002-02-19

Bank Partnerships with Childcare/Community Development Intermediaries

General

2001-12-20

Best Practices for Issuers of Debit Cards

General

2001-11-08

Check Imaging on Checking Accounts and Basic Banking Accounts

General

2001-11-07

Guidance for CRA Credit for Activities in Downtown Manhattan

General

2001-10-29

Compliance with Privacy of Consumer Financial Information

General

2001-10-29

Update on President Bush's Executive Order Freezing Assets that Support Terrorism

General

2001-10-09

Further Guidance on President Bush's Executive Order Freezing Assets that Support Terrorism

General

2001-10-02

Guidance for Licensed Money Transmitters on President Bush's Executive Order Freezing Assets that Support Terrorism

General

2001-09-27

Guidance on President Bush's Executive Order Freezing Assets That Support Terrorism

General

2001-09-24

New York Disaster - Guidance Letter 2

General

2001-09-14

New York Disaster - Guidance Letter

General

2001-07-26

Due Diligence Recommendations Concerning the Eligibility of Loan Purchases and Investments for Consideration under the Community Reinvestment Act

General

2001-06-25

Consideration under the Community Reinvestment Act of Activities by Limited Purpose Commercial Bank Affiliates of Savings Banks

General

2001-06-04

Foreign Branches and Agencies Establishing Operating Subsidiaries - Guidance Letter

General

2001-04-30

The Record Retention Requirements of the Federal Electronic Signatures in Global and National Commerce Act

General

2001-02-16

Fair Lending Examinations

Mortgage Banking

2001-02-15

Indirect Automobile Lending, Advice for Sales Finance Companies

General

2001-02-15

Indirect Automobile Lending, Advice for Financial Institutions

General

2001-01-26

Superintendent Elizabeth McCaul issues All Institutions Letter on Internal Controls and Management Stewardship

General

2000-09-11

Letter Pertaining to ATM Video Tape Usage

General

2000-08-07

Letter Reminding Financial Institutions of the Importance of Strict Compliance with Escheatment Obligations

General

2000-06-13

Payday Loans

General

2000-06-01

Recording Domain Names

Mortgage Banking

2000-02-18

Fair Lending Plan-Guidance Letter

General

2000-01

Letter Urging Institutions to Partner with Youth Development Programs Serving Low and Moderate Income Populations

General

1999-12-21

Letter on Know Your Customer Procedures for Electronic Cash Management Services

General

1999-07-19

Fair Lending Plan Requirements

General

1999-07-01

Mortgage Banking Questionnaire (PDF)

Mortgage Banking

1999-06-14

Disclosing the Termination of Private Mortgage Insurance, Yield Spread Premiums, and Net Branching Guidelines

Mortgage Banking

1999-06-11

Fair Lending Plan Requirement

Mortgage Banking

1999-02-23

Best Practices for ATM Video Tape Usage

General

1999-02-19

Streamlined Procedures for Additional Licensed Lender Locations

General

1998-12-17

Advisory Notice on Compliance with ATM Safety Act

General

1998-09-18

Letter Urging Banks to Help Develop and Support Child Care Programs

General

1998-08-27

Best Practices Letter and Guide on Foreclosure Prevention/Mitigation for Affordable Mortgage Lending

General

1998-08-27

Advertising

Mortgage Banking

1998-08-26

Fair Lending Policies and Procedures

Mortgage Banking

1998-06-10

Letter to Foreign Banks Clarifying Need for Branch, Agency or Representative Office Applications as a Result of a Merger or Consolidation

General

1997-12-05

Mortgage Banker/Broker Branches

Mortgage Banking

1997-12-01

Year 2000 Survey

Mortgage Banking

1997-03-11

Responsibilities of the Banking and Brokering Industry

Mortgage Banking

1996-09-30

Guidelines for New York State Chartered Banks and Trust Companies Engaging in Insurance Sales Activities

General

1996-09-25

The Year 2000 EDP Survey

General

1996-09-25

Banking Law Section 351 - Licensed Lenders, Annual Fees on Open-End Loans

General

1996-00-00

Securing Approval of the Superintendent to Use Certain Prohibited Names in a Proposed Business Title

General

1996-08-22

Vacation Policy

General

1996-00-00

June 1996 Report on Foreign Banks in New York

General

1996-05-28

Mortgage Fraud

Mortgage Banking

1996-01-23

Residential Mortgage Lending Fees

Mortgage Banking