Title 3 Banking - Chapter III Superintendent's Regulations - Subchapter A. Banking Organizations - Part 340 Extension of Credit on a Nondiscriminatory Basis - s 340.3 Attribution of past joint obligations.

Published: 2021-01-31

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For purposes of Executive Law section 296-a(4)(b), a response to a request for a separate credit history, made after July 15, 1974, shall include all obligations, whenever entered into, as to which the creditor or credit reporting bureau then has information in its files. In creating such a separate history, all obligations on which two parties were jointly liable shall be reported as the obligation of each, irrespective of the actual source of payments.