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RPAPL 1306 REQUIRES INFORMATION TO BE FILED WITH THE SUPERINTENDENT OF FINANCIAL SERVICES WITHIN THREE BUSINESS DAYS OF THE MAILING OF THE NOTICE OF FORECLOSURE; THE FILING IS A CONDITION PRECEDENT TO A FORECLOSURE ACTION; HERE THE FILING WAS EIGHT DAYS LATE, REQUIRING DISMISSAL OF THE COMPLAINT (SECOND DEPT).

The Second Department, reversing Supreme Court, determined defendant in this foreclosure action was entitled to dismissal of the complaint because the plaintiff failed to timely file the information required by RPAPL 1306. The information must be filed within three business days of the mailing of the foreclosure notice pursuant to RPAPL 1304:

“Compliance with RPAPL 1306 is a condition precedent to the commencement of a foreclosure action” … . “RPAPL 1306 requires that within three business days of the mailing of the foreclosure notice pursuant to RPAPL 1304(1), each lender or assignee ‘shall file’ certain information with the superintendent of financial services” … . “[S]trict compliance” with the statutory requirement of making the appropriate filing within three business days of the mailing of the RPAPL 1304 notice is required … .

… [I]t is undisputed that the plaintiff did not make the requisite filing pursuant to RPAPL 1306 until … eight business days after the purported mailing of the RPAPL 1304 notice … . Since the plaintiff failed to strictly comply with the statutory requirement of making the appropriate filing within three business days of the mailing of the RPAPL 1304 notice, the Supreme Court should have granted that branch of the defendant’s motion which was for summary judgment dismissing the complaint insofar as asserted against him … . Bank of N.Y. Mellon v Peralta, 2025 NY Slip Op 03790, Second Dept 6-25-25

Same issue and result in Deutsche Bank Natl. Trust Co. v Goetz, 2025 NY Slip Op 03792, Second Dept 6-25-25

Practice Point: The bank’s failure to file the information required by RPAPL 1306 within three business days of the mailing of the notice of foreclosure mandates dismissal of the foreclosure action.​

 

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