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  MOBILE REMOTE SERVICE UNITS

                  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 1002.12  Principal Place of Business

                  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 SALE OF SECURITIES - EXPIRED

                  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