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Laws, Rules and Guidance

The NH Banking Department enforces the Federal and NH State Laws (RSAs) and Rules enacted and delegated to the Bank Commissioner.

Please note that we cannot provide legal advice or services.

If you wish to receive a copy of the New Hampshire Banks and Banking Laws Annotated, 2016-2017 edition, please complete the following form and mail or fax to the New Hampshire Banking Department.

2016-2017 Banks and Banking Laws order formAdobe Acrobat Reader symbol

February 20, 2014 - New Rules Effective

The NH Banking Department has readopted with amendments, Ban 1107, Amendments to Credit Union Bylaws, effective February, 20, 2014.

October 25, 2013 - New Rules Effective

The NH Banking Department has adopted new Ban 100 Organizational Rules, effective October 19, 2013, and repealed Tru 100 Organizational Rules, and Tru 200 Practice and Procedure Rules, effective October 19, 2013.

August 29, 2013 - Proposed Rulemaking

The NH Banking Department has, pursuant to RSA 541-A, proposed changes to the following

  • Ban 500 Adoption of Rules under RSA 394-A Granting State-Chartered Financial Institutions Powers of Corresponding Federally-Chartered Financial Institutions: Rules Ban 510.09 and Ban 510.10 Adobe Acrobat Reader symbol
    Ban 510.09 and Ban 510.10 Rules Rulemaking Notice Adobe Acrobat Reader symbol


Declaratory Rulings Issued Since 2000

Doc # Issue(s) Rule or Law Effective Date
10671 Adobe Acrobat Reader symbol RSA 397-A Exemption RSA 397-A 09/15/14
10252  pdf file Mortgage Servicing RSA 397-B:2, I, and RSA 397-B:4, I(a) 01/14/13
10241 pdf file NH Bankers Association re Derivative Activities RSA 387:26, 392:39, and 12 USC 1828(y) 12/05/12
9905 pdf file SAFE Act RSA 397-A 4/14/11
9847 pdf file SAFE Act License Exemption – Family Member RSA 397-A:4, lll 01/06/11
9751 pdf file SAFE Act License Exemption RSA 397-A 06/24/10
9644 pdf file Letter of credit BAN 1450.04(b) (2) 08/02/06
9554 pdf file Letter of credit BAN 1450.04(b) (2) 09/24/09
9348 pdf file Letter of credit BAN 1450.04(b) (2) 12/16/08
9231 pdf file Reduce frequency of Directors meetings BAN 102.02(b) and



NH Banking Laws

Title XXXI Trade and Commerce

Title XXXI-A Retail Installment Sales

Title XXXV Banks and Banking; Loan Associations; Credit Unions

Note: Pawnbrokers are licensed by the governing body of the cities and towns.

BAN Rules

JUS Rules

Adobe Acrobat Reader Symbol Adobe Acrobat Reader format. You can download a free reader from Adobe.

Banking Department
53 Regional Drive  |  Suite 200  |  Concord, NH 03301
(603) 271-3561  |  fax: (603) 271-1090 or (603) 271-0750