Interpretations and Opinions
Members of the Department's Office of General Counsel express opinions and provide written guidance to regulated entities, members of the bar, public officials and others, on legal and regulatory matters within the jurisdiction of the Department. The interpretive letters, opinions and memoranda that are posted to this website are provided as a research tool and represent the informal views of the Department. These letters, opinions and memoranda address specific facts and circumstances, and a similar fact situation could result in a different view expressed by the Department. Staff memoranda in particular represent the informal views of the Department. Accordingly, attorneys and others are advised to contact the Office of General Counsel for guidance with respect to a current specific transaction or factual scenario.
In some cases, where necessary to protect the privacy of individuals, or to maintain the confidentiality of sensitive commercial information, letters and memoranda have been redacted to delete such information.
Banking-related letters and memoranda are organized by section of law and date of issuance.
Insurance-related opinions are organized by the year in which the opinion was issued.