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纽约州准备授权纽约金融服务部门研究在线贷款

近日,纽约州正在准备通过立法将在线贷款的一些责任转移到纽约金融服务部(NYDFS)。

2017年12月29日,纽约州州长Andrew Cuomo签署了一项法案,成立了一个专门小组来分析纽约州的在线贷款活动。如今,新的立法将消除专责小组,并将责任移交给纽约州金融服务部。

据悉,此番变动可能会对纽约州的在线贷款人产生重要影响。

纽约金融服务部在金融科技而方面并不出名,甚至都算不上创新友好型部门。此前,纽约金融管理局就以金融科技宪章的概念货币为由针对美国货币监理局(OCC)发起过诉讼。

路透社报道,2016年纽约金融监管局就曾向在线贷款机构发出过一封信,要求各机构“立即遵守纽约债务追收、货币转移和抵押贷款活动的许可要求”。这封信的收件人包括Prosper、Avant、Funding Circle和Upstart等多家著名在线接待机构。请注意,这些平台不一定位于纽约州,但肯定为州公民提供贷款选择。

 

There is legislation moving through the state of New York that shifts some responsibility regarding online lending to the New York Department of Financial Services (NYDFS). [S07294 and A8938]

Originally, there was a bill that was signed into law on December 29, 2017, by Governor Andrew Cuomo, that created a task force to analyze online lending activity in the state of New York. The new legislation will eliminate the task force and migrate the responsibility to NYDFS.

This is according to a brief write up in Lexology and the change in approach may have an important impact regarding online lenders operating in the state of New York.

NYDFS does not necessarily have a reputation for being Fintech nor innovation friendly. In fact, the NYDFS sued the Office of the Comptroller of the Currency (OCC) targeting the Fintech Charter concept.

In 2016, the NYDFS sent a letter to a squadron of online lenders demanding “immediate compliance with New York licensing requirements for debt collection, money transmission and mortgage lending activities,” as reported by Reuters. Recipients of the letter included Prosper, Avant, Funding Circle, Upstart and more. Please note, these platforms are not necessarily based in New York state but certainly provide lending options to the state’s citizens.


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