NY A10181

Expands banking superintendent assessment requirements to evaluate how well banks serve low and moderate-income neighborhoods, minority-owned businesses, and women-owned businesses when reviewing applications for branches, mergers, and automated teller machines

Adds new evaluation factors including banks' efforts to help low and moderate-income residents afford housing, participation in technical assistance programs for small and minority/women-owned businesses, and geographic distribution of automated teller machines and electronic services

Extends Community Reinvestment Act performance assessments to licensed mortgage bankers and mortgage loan originators that originated 100 or more home mortgage loans in New York State in the previous calendar year

Requires all banks to post a state-mandated Community Reinvestment Notice in the main office lobby and all branches informing customers they can submit written comments about the bank's community credit performance to the superintendent

Takes effect 120 days after enactment, with authority for the superintendent to adopt necessary rules and regulations effective immediately