# N.Y. RPA Law § 1302: Foreclosure of certain residential mortgages

> New York · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1302

## Section

- **Citation:** N.Y. RPA Law § 1302
- **Heading:** Foreclosure of certain residential mortgages
- **Jurisdiction:** New York
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** New York Code / Act RPA / Article 13 / Section 1302

## Text

§ 1302. Foreclosure of certain residential mortgages. 1. Any complaint\nserved in a proceeding initiated on a residential mortgage covering a\none to four family dwelling pursuant to this article must contain an\naffirmative allegation that at the time the proceeding is commenced, the\nplaintiff:\n (a) is the owner and holder of the subject mortgage and note, or has\nbeen delegated the authority to institute a mortgage foreclosure action\nby the owner and holder of the subject mortgage and note; and\n (b) has complied with all of the provisions of section five hundred\nninety-five-a of the banking law and any rules and regulations\npromulgated thereunder, and section six-l or six-m of the banking law,\nfor loans governed by section six-l or six-m of the banking law, and\nsection thirteen hundred four of this article for all residential\nmortgage loans covering a one to four family dwelling.\n 2. It shall be a defense to an action to foreclose a mortgage that the\nterms of the home loan or the actions of the lender violate any\nprovision of section six-l or six-m of the banking law or section\nthirteen hundred four of this article, for loans governed by these\nprovisions.\n

## Nearby sections

- [N.Y. RPA Law § 1301 Separate action for mortgage debt](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1301.md)
- [N.Y. RPA Law § 1302 Foreclosure of certain residential mortgages](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1302.md)
- [N.Y. RPA Law § 1302-A Defense of lack of standing; not waived](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1302-A.md)
- [N.Y. RPA Law § 1303 Foreclosures; required notices](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1303.md)
- [N.Y. RPA Law § 1304 Required prior notices](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1304.md)
- [N.Y. RPA Law § 1305 Notice to tenants](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1305.md)
- [N.Y. RPA Law § 1306 Filing with superintendent](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1306.md)
- [N.Y. RPA Law § 1307 Duty to maintain foreclosed property](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1307.md)
- [N.Y. RPA Law § 1308 Inspecting, securing and maintaining vacant and abandoned residential real property](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1308.md)
- [N.Y. RPA Law § 1309 Expedited application for judgment of foreclosure and sale for vacant and abandoned property](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1309.md)
- [N.Y. RPA Law § 1310 Vacant and abandoned property; statewide vacant and abandoned property electronic registry](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1310.md)
- [N.Y. RPA Law § 1311 Necessary defendants](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1311.md)
- [N.Y. RPA Law § 1312 Representative defendants](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1312.md)
- [N.Y. RPA Law § 1313 Permissible defendants](https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1313.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_NY_ARPA_A13_S1302. Check the current official text before relying on it. Not legal advice.