TABLE
OF CONTENTS
CHAPTER Ban 100
ORGANIZATIONAL RULES
PART Ban 101 PURPOSE AND SCOPE
Section Ban 101.01 Purpose
Section Ban 101.02 Scope
PART Ban 102 DEFINITIONS
Section Ban 102.01 Board of Trust Company Incorporation (BOTCI)
Section Ban 102.02 Commissioner
Section
Ban 102.03 Department
Section Ban
102.04 Public Deposit Investment Pool
(PDIP)
PART Ban 103 DESCRIPTION OF DEPARTMENT
Section Ban 103.01 Commissioner, Commissioner’s Office
Section Ban 103.02 Banking Division
Section Ban 103.03 Consumer Credit Division
Section Ban 103.04 Legal Division
Section Ban 103.05 Operations Division
Section Ban 103.06 Department Information
PART Ban 104 DEPARTMENT INFORMATION AVAILABLE TO THE
PUBLIC
Section Ban 104.01 New Hampshire Banking Department Records
Section Ban 104.02 Access to Department Information
Section Ban 104.03 Requests for New Hampshire Banking Department
Records
Section Ban 104.04 Response to Request for Records
CHAPTER
Ban 200 PRACTICE AND PROCEDURE - EXPIRED
PART Ban 201 INTRODUCTION AND DEFINITIONS
Section Ban 201.01 Procedure Governed
Section Ban 201.02 Definitions
PART Ban 202 FILING AND SERVICE OF DOCUMENTS
Section Ban 202.01 Filing of Documents
Section Ban 202.02 Subscription and Veracity of Documents
Section Ban 202.03 Service of Documents
PART Ban 203 HEARINGS AND PROCEEDINGS
Section Ban 203.01 Representatives
Section Ban 203.02 Computation of Time
Section Ban 203.03 Change in Allowed Times
Section Ban 203.04 Recess and Adjournment
Section Ban 203.05 Waiver
Section Ban 203.06 Docket
Section Ban 203.07 Consolidation
Section Ban 203.08 Severance
PART Ban 204 ADJUDICATIVE PROCEEDINGS
Section Ban 204.01 Applicability
Section Ban 204.02 Place of an Adjudicative Proceeding
Section Ban 204.03 Commencement of an Adjudicative Proceeding
Section Ban 204.04 Notice
Section Ban 204.05 Emergency Orders
Section Ban 204.06 Intervention
Section Ban 204.07 Access to Department Records
Section Ban 204.08 Filing Requirements
Section Ban 204.09 Stipulations
Section Ban 204.10 Evidence
Section Ban 204.11 Hearing Procedure
Section Ban 204.12 Burden of Proof
Section Ban 204.13 Decisions
Section Ban 204.14 Failure to Appear
Section Ban 204.15 Informal Settlement
PART Ban 205 REHEARINGS AND APPEALS
Section Ban 205.01 Motion for Rehearing
Section Ban 205.02 Action on Motion for Rehearing
Section Ban 205.03 Burden of Proof
Section Ban 205.04 Decisions
PART Ban 206 DECLARATORY RULINGS
Section Ban 206.01 Petitions
Section Ban 206.02 Action on Petition
PART Ban 207 RULEMAKING PETITIONS
Section Ban 207.01 Rulemaking Petitions
Section Ban 207.02 Incomplete Rulemaking Petitions
Section Ban 207.03 Action on Rulemaking Petition
PART Ban 208 RULEMAKING HEARINGS
Section Ban 208.01 Public Notice of Rulemaking Hearing
Section Ban 208.02 Presiding Officer
Section Ban 208.03 Order of the Rulemaking Hearing
Section Ban 208.04 Oral Comment
Section Ban 208.05 Written Comment
CHAPTER
Ban 300 RULES RELATIVE TO CREDIT UNIONS
PART Ban 301 INTEREST RATES - REPEALED
CHAPTER
Ban 400 SMALL LOANS - RESERVED
PART Ban 401 - RESERVED
PART Ban 402 - REPEALED
CHAPTER Ban 500 ADOPTION OF RULES UNDER RSA 394-A GRANTING
STATE-CHARTERED FINANCIAL INSTITUTIONS POWERS OF CORRESPONDING
FEDERALLY-CHARTERED FINANCIAL INSTITUTIONS
PART
Ban 501 FORMAT AND PROCEDURES FOR
PETITIONING OF COMMISSIONER - RESERVED
PART Ban 502 DEPOSITS OF PUBLIC MONEY IN THRIFT
INSTITUTIONS - RESERVED
PART
Ban 503 COMMERCIAL, CORPORATE OR
BUSINESS LOANS OF THRIFT INSTITUTIONS - RESERVED
PART
Ban 504 COMMERCIAL, CORPORATE OR
BUSINESS DEMAND DEPOSITS IN THRIFT INSTITUTIONS - REPEALED
PART Ban 505 TRUST POWERS OF THRIFT INSTITUTIONS - RESERVED
PART
Ban 506 SALE OF FEDERAL FUNDS BY STATE
CHARTERED CREDIT UNIONS - RESERVED
PART
Ban 507 NONE INTEREST BEARING NEGOTIABLE
ORDER OF WITHDRAWAL FOR BUSINESS CUSTOMERS (NINOWS)
Section Ban 507.01 Commercial Deposits Allowed
Section Ban 507.02 Deposit Rules Required
PART
Ban 508 INVESTMENTS OF THRIFT
INSTITUTIONS IN SERVICE CORPORATIONS - RESERVED
PART Ban 509 VOTING PROXIES IN CONVERSION OF MUTUAL BANKS
TO STOCK BANKS (CO-OPERATIVE BANKS) - RESERVED
PART Ban 510 CREDIT UNION POWERS
Section Ban 510.01 Definitions
Section Ban 510.02 Reserved
Section Ban 510.03 Investments in Service Corporations
Section Ban 510.04 Reserved
Section Ban 510.05 Reserved
Section Ban 510.06 Investment in National Credit Union Central
Liquidity Facility
Section Ban 510.07 Expired and Reserved
Section Ban 510.08 Reserved
Section Ban 510.09 Expired
PART Ban 511 DIVIDENDS AND INTEREST PAID BY THRIFT
INSTITUTIONS - RESERVED
PART Ban 512 DEPOSITS IN FINANCIAL INSTITUTIONS - RESERVED
PART
Ban 513 DISTRIBUTION OF PROFITS AND
DIVIDENDS BY STATE-CHARTERED THRIFT INSTITUTIONS (COOPERATIVE BANKS) - RESERVED
PART Ban 514 INTERSTATE LENDING AUTHORITY - RESERVED
PART Ban 515 RECEIPT OF FUNDS FROM OTHER CREDIT UNIONS - RESERVED
PART
Ban 516 SERVICE CHARGES ON SAVINGS
ACCOUNTS OF STATE CHARTERED THRIFT INSTITUTIONS (BUILDING AND LOAN ASSOCIATIONS
AND/OR CO-OPERATIVE BANKS) - RESERVED
PART Ban 517 CORPORATE TITLE OF THRIFT INSTITUTIONS - RESERVED
Section Ban 517.01 Reserved
Section Ban 517.02 Reserved
Section Ban 517.03 REPEALED
PART Ban 518 - RESERVED
PART
Ban 519 REQUIREMENTS AND PROCEDURES FOR
CONVERSIONS OF MUTUAL SAVINGS BANKS AND ASSOCIATIONS TO STOCK FORM- RESERVED
PART
Ban 520 REQUIREMENTS AND PROCEDURES FOR
RETAIL SALES OF MUTUAL FUNDS AND OTHER UNINSURED PRODUCTS - RESERVED
PART Ban 522 REAL ESTATE LENDING STANDARDS - RESERVED
PART Ban 523 NATIONAL BANK POWERS - RESERVED
PART Ban 524 AFFILIATE AGENCY POWERS - RESERVED
PART Ban 525 FEDERAL SAVINGS ASSOCIATION POWERS - RESERVED
PART Ban 526 FEDERAL CREDIT UNION POWERS - RESERVED
CHAPTER Ban 600 BRANCH BANKING AND ELECTRONIC CUSTOMER
SERVICE TERMINALS - EXPIRED
PART Ban 601 ELECTRONIC CUSTOMER SERVICE TERMINALS;
DEFINITIONS
Section Ban 601.01 Definitions
PART Ban 602 NECESSARY AUTHORIZATION
Section Ban 602.01 Application and Approval
Section Ban 602.02 Board of Director Approval
PART Ban 603 SERVICE LIMITATIONS AND REQUIREMENTS
Section Ban 603.01 Responsible NH Financial Institution
Section Ban 603.02 Available Services and Locations
Section Ban 603.03 Advertising
Section Ban 603.04 Bonding Requirements
Section Ban 603.05 Confidentiality of Accounts
Section Ban 603.06 Customer Instruction
Section Ban 603.07 Protection of Persons and Property
PART Ban 604 STATUS AS A BRANCH OFFICE
Section Ban 604.01 Special Status
PART Ban 605 SHARED USE UNDER RSA 384-B:7, II
Section Ban 605.01 Conditional Duty to Share
Section Ban 605.02 Criteria for Denial of Sharing Requests
PART Ban 606 VOLUNTARY PARTICIPATION AGREEMENTS
Section Ban 606.01 Voluntary Participation Allowed
Section Ban 606.02 Special Requirements for Foreign Financial
Institution Participation
Section Ban 606.03 Display of Network Logos
PART Ban 607 APPLICATION PROCEDURES AND APPROVAL STANDARDS
Section Ban 607.01 Application Form RSU-1
Section Ban 607.02 Notification of Filing
Section Ban 607.03 Form of Notice
Section Ban 607.04 Standard for Approval
Section Ban 607.05 Notice of Termination
Section Ban 607.06 Exceptions
PART Ban 608 ESTABLISHMENT OF CASH DISPENSING MACHINES
Section Ban 608.01 Notice to Commissioner
Section Ban 608.02 Notice of Termination
PART Ban 609 SEASONAL REMOTE SERVICE UNITS
Section Ban 609.01 Authority for Seasonal Operation
PART Ban 610
Section Ban 610.01 Application; Approval; Requirements
PART Ban 611 VIOLATIONS OF REMOTE SERVICE UNIT RULES
Section Ban 611.01 Sanctions
PART Ban 612 LOAN PRODUCTION OFFICES
Section Ban 612.01 Notice to Commissioner
Section Ban 612.02 Notice of Termination
PART Ban 613 FIDUCIARY ASSETS
Section Ban 613.01 Definition; Fiduciary Assets
CHAPTER Ban 700 FAMILY TRUST COMPANIES
PART
Ban 701 ANNUAL ASSESSMENT
Section Ban 701.01 Maximum Annual Assessment for Family Trust
Companies
CHAPTER Ban 800
POWERS OF BANKING ORGANIZATIONS
PART
Ban 801 RULES OF CONSTRUCTION FOR RSA
394-A:11 (1983 LAWS, CHAPTER 369:12, RELATIVE TO POWERS AND INCONSISTENT
CHARTER PRO-VISIONS - REPEALED
Section Ban 801.01 General Rules of Construction
Section Ban 801.02 Special Rules of Construction
Section Ban 801.03 Notice
PART Ban 802 CHARTER CONVERSIONS
Section Ban 802.01 Definitions
Section Ban 802.02 Procedures
CHAPTER
Ban 900 PUBLIC DEPOSIT INVESTMENT
POOL
PART Ban 901 PURPOSE
Section Ban 901.01
Purpose
PART Ban 902
DEFINITIONS
Section 902.01
Commissioner
Section 902.02
Committee
Section 902.03
Department
Section 902.04
Pool
Section 902.05
Proposal
Section 902.06
Proposer
Section 902.07
Request for Proposal (RFP)
PART Ban 903 REQUEST
FOR PROPOSAL
Section Ban 903.01
Obtaining the RFP
PART Ban 904 FILING
A PROPOSAL
Section 904.01
Filing a Proposal
Section 904.02
Late-Filed Proposals
Section 904.03
Inquiries
Section 904.04
Request for Additional Information
PART Ban 905
CRITERIA FOR REVIEWING PROPOSALS
Section Ban 905.01
Criteria
Section Ban 905.02
Oral Presentation of Proposal
CHAPTER
Ban 1000 SALES FINANCE COMPANIES AND
RETAIL SELLERS - EXPIRED
PART Ban 1001 SCOPE
Section Ban 1001.01 Procedure Governed
PART Ban 1002 DEFINITIONS
Sections Ban 1002.01 Applicant
Sections Ban 1002.02 Balloon Retail Installment Contract
Sections Ban 1002.03 Buyer
Sections Ban 1002.04 Buy Here Pay Here
Sections Ban 1002.05 Credit Application
Sections Ban 1002.06 Department
Sections Ban 1002.07 Holder
Sections Ban 1002.08 Licensee
Sections Ban 1002.09 Motor Vehicle
Sections Ban 1002.10 Person
Sections Ban 1002.11 Principal Owners
Sections Ban
Sections Ban 1002.13 Retail Installment Contract
Sections Ban 1002.14 Retail Seller
Sections Ban 1002.15 Sales Finance Company
Sections Ban 1002.16 Senior Officer
Sections Ban 1002.17 Trade Name
PART Ban 1003 FORMS
Section Ban 1003.01 Form NHBD-12, Retail Seller License
Application
Section Ban 1003.02 Form NHBD-14, Sales Finance Company License
Application
Section Ban 1003.03 Other Required Application Forms
Section Ban 1003.04 Form NHBD-15, Sales Finance Company Annual
Report
PART Ban 1004 LICENSING
Section Ban 1004.01 License Fees
Section Ban 1004.02 Application Acceptance
Section Ban 1004.03 Changes to Application Information; Changes
in Ownership
Section Ban 1004.04 Licensing Decisions
Section Ban 1004.05 Display of License
Section Ban 1004.06 Annual Report Requirements
PART Ban 1005 BALLOON PAYMENT LOANS
Section Ban 1005.01 Balloon Contract Disclosures
Section Ban 1005.02 Balloon Payment Refinancing Disclosures
Section Ban 1005.03 Disclosure Requirements
Section Ban 1005.04 Written Offer and/or Acceptance Required
CHAPTER Ban 1100
BANK COMMISSIONER
PART Ban 1101 - 1102 RESERVED
PART Ban 1103 - EXPIRED AND RESERVED
PART Ban 1104 FIDELITY COVERAGE REQUIREMENTS
Section Ban 1104.01 Purpose and Scope
Section Ban 1104.02 Definitions
Section Ban 1104.03 Fidelity Bond Requirements
Section Ban 1104.04 Bank Requirements
Section Ban 1104.05 Credit Union Requirements
Section Ban 1104.06 Notification Upon Expiration and Cancellation
Section Ban 1104.07 Notification of Changes in Coverage
Section Ban 1104.08 Duties of Board of Directors or Trustees
Section Ban 1104.09 Bond Form
Section Ban 1104.10 Additional Coverage
Section Ban 1104.11 Bonds for Agents
PART Ban 1105 PURCHASE AND
Section Ban 1105.01 Written Orders Required
Section Ban 1105.02 Confirmation of Orders Received by Telephone
Section Ban 1105.03 Exemption for Trust Departments
Section Ban 1105.04 Rating Services
PART Ban 1106 CONSUMER CONCERNS AND INQUIRIES - EXPIRED
Section Ban 1106.01 Procedures
PART Ban 1107 AMENDMENTS TO CREDIT UNION BYLAWS
Section Ban 1107.01 Amendments to Credit Union Bylaws
Section Ban 1107.02 Expanding the Qualifications for Membership
CHAPTER
Ban 1200 - EXPIRED
CHAPTER
Ban 1300 - RESERVED
CHAPTER Ban 1400
SAVINGS BANK
PARTS Ban 1401 through 1449 - RESERVED
PART Ban 1450 COLLATERALIZATION OF PUBLIC DEPOSITS
Section Ban 1450.01 Purpose
Section Ban 1450.02 Definitions
Section Ban 1450.03 Amount of Collateralization
Section Ban 1450.04 Public Obligations
Section Ban 1450.05 Corporate Securities
Section Ban 1450.06 Classification by Risk
CHAPTER
Ban 1500 - RESERVED
CHAPTER
Ban 1600 MERGERS - EXPIRED
PART Ban 1601 PROCEDURES
Section Ban 1601.01 Depositor Notice; Frequency of Publication
CHAPTER
Ban 1700 - RESERVED
CHAPTER Ban 1800
TRUST AND BANKING COMPANIES
PART Ban 1801 RESERVES - RESERVED
Section Ban 1801.01 Calculation of Bank Reserves - REPEALED
PART Ban 1802 DEPOSIT OF SECURITIES WITH CLEARING
CORPORATION
Section Ban 1802.01 Receipt
Section Ban 1802.02 Clearing Corporation Location
CHAPTER
Ban 1900 - RESERVED
CHAPTER
Ban 2000 - RESERVED
CHAPTER
Ban 2100 BUILDING AND LOAN ASSOCIATIONS
AND COOPERATIVE BANKS - EXPIRED
PART Ban 2101 PRIVATE MORTGAGEE GUARANTY INSURANCE
COMPANIES
Section Ban 2101.01 Approval of Private Insurance Companies
CHAPTER
Ban 2200 RESERVED
CHAPTER
Ban 2300 RESERVED
CHAPTER
Ban 2400 GENERAL REQUIREMENTS: LICENSEES
- EXPIRED
PART Ban 2401 ANNUAL REPORTS
Section Ban 2401.01 Record Retention; Workpapers
PART Ban 2402 INCOMPLETE LICENSE APPLICATION
Section Ban 2402.01 Definitions
Section Ban 2402.02 License Applications
PART Ban 2403 CRIMINAL CONVICTIONS
Section Ban 2403.01 Definitions
Section Ban 2403.02 Felony Convictions
Section Ban 2403.03 Misdemeanor Convictions
PART Ban 2404 - RESERVED
PART Ban 2405 CONSUMER COMPLAINTS AGAINST LICENSEES
Section Ban 2405.01 Procedures
PART Ban 2406 FEES
Section Ban 2406.01 Fees for Providing Documents and Other
Information
Section Ban 2406.02 Application Fees
PART Ban 2407 NOTIFICATION AND REPORTING REQUIREMENTS
Section Ban 2407.01 Notice of Significant Events
PART Ban 2408 INTEREST CALCULATION METHOD
Section Ban 2408.01 Definitions
Section Ban 2408.02 Interest Calculation
Section Ban 2408.03 Daily Simple Interest Disclosures
PART Ban 2409 RESERVED
PART Ban 2410 BANKING DEPARTMENT LICENSEE FILINGS
Section Ban 2410.01 Background and Criminal Records Check
Section Ban 2410.02 Disclosure Statement
PART Ban 2411 LICENSE SURRENDER
Section Ban 2411.01 Definitions
Section Ban 2411.02 License Surrender
Section Ban 2411.03 Notice of License Surrender
Section Ban 2411.04 Office Closing
Section Ban 2411.05 Office Relocation
PART Ban 2412 EXAMINATIONS
Section Ban 2412.01 Access to Files During Examination
CHAPTER
Ban 2500 FIRST MORTGAGE BANKERS AND
BROKERS - EXPIRED
PART Ban 2501
DEFINITIONS
Section Ban 2501.01
Applicant
Section Ban 2501.02
Application
Section Ban 2501.03
Balloon Payment
Section Ban 2501.04
Branch Office
Section Ban 2501.05
Cash Equivalents
Section Ban 2501.06
Licensee
Section Ban 2501.07
Liquid Assets
Section Ban 2501.08
Marketable Securities
Section Ban 2501.09
Net Worth
Section Ban 2501.10
Person
Section Ban 2501.11
Principal Place of Business
Section Ban 2501.12
Principal Owners
Section Ban 2501.13
Rate Lock Commitment
Section Ban 2501.14
Real Property
Section Ban 2501.15
Senior Officer
Section Ban 2501.16
Short-term
Section Ban 2501.17
Time Sharing Interest
Section Ban 2501.18
Trade Name
PART Ban 2502
LICENSE REQUIREMENTS
Section Ban 2502.01 License Required
Section Ban 2502.02 Application Form 397-A-2
Section Ban 2502.03 Other Required Forms
Section Ban 2502.04 Incomplete Applications
Section Ban 2502.05 Changes to Application Information
Section Ban 2502.06 Surety Bond
Section Ban 2502.07 Net Worth Requirements
Section Ban 2502.08 Appeal of License Denial, Revocation, or
Other Administrative Actions
PART Ban 2503
ANNUAL REPORT
Section Ban 2503.01 Form
Section Ban 2503.02 RESERVED
PART Ban 2504 LOANS WITH BALLOON PAYMENT PROVISIONS
Section Ban 2504.01 Balloon Payment Disclosures
PART Ban 2505
RATE LOCK COMMITMENTS
Section Ban 2505.01 Requirements
PART Ban 2506
ESCROW ACCOUNTS OF MORTGAGE COMPANIES
Section Ban 2506.01 Interest on Mortgage Escrow Funds
PART Ban 2507 FEES PAID TO MORTGAGE BANKERS OR BROKERS
Section Ban 2507.01 Safekeeping of Fees
Section Ban 2507.02 Fees Charged by Lenders for Services Rendered
CHAPTER Ban 2600 SECOND MORTGAGE HOME LOANS - EXPIRED
CHAPTER Ban 2700 SMALL LOANS - EXPIRED
CHAPTERS
Ban 2800- 3600 - RESERVED
CHAPTER
Ban 3700 DEBT ADJUSTERS - EXPIRED
PART Ban 3701 LICENSE APPLICATION PROCEDURE
Section Ban 3701.01 General Application Requirements
Section Ban 3701.02 Form 399-D-1, Debt Adjuster Application
Section Ban 3701.03 License Denial
PART Ban 3702 OPERATIONS
Section Ban 3702.01 Hours of Operation
Section Ban 3702.02 Debtor's Trust Account
Section Ban 3702.03 Cancellation of Contract by Licensee
Section Ban 3702.04 Location
Section Ban 3702.05 Choice of Law
Section Ban 3702.06 Use of Agents or Brokers Prohibited