NY · DFS
DFS Mortgage Servicing
3 NYCRR Part 419
NY Department of Financial Services rules governing mortgage servicer business conduct, loss mitigation, error resolution, and record retention. Finalized 2019, final amendments 2020. (Note: this is the regulation RegWatch falsely flagged as "updated Apr 2026" — it has NOT been amended since 2020.)
Who must comply
mortgage servicerlender
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