NYDFS Filing Deadline: April 15, 2026 —
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Your NYDFS Part 500 Filing Is Due April 15. Are You Ready?

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Is This For You?

If any of the following sound familiar, you're in the right place.


What You're Actually Filing

Let's cut through the jargon and explain what the regulation requires.

The Basics

Every person or entity holding a New York insurance license must file one of two forms through the NYDFS portal by April 15, 2026:

  • Certification of Material Compliance — certifying that your organization materially complied with Part 500 during the prior calendar year
  • Acknowledgment of Noncompliance — acknowledging specific areas where you were not compliant, with a remediation timeline

Either filing must be supported by documentation proving your compliance status. That's what we prepare for you.

What Changed November 2025

The Second Amendment to 23 NYCRR Part 500 added requirements your April 15 certification must cover:

  • MFA for ALL system access — not just remote access. This affects every employee who logs into any system containing nonpublic information.
  • Written asset inventory procedures — a simple spreadsheet is no longer sufficient. You need documented procedures for maintaining and updating hardware, software, and data inventories.

Small Business Exemption?

Even if you qualify for the Section 500.19(a) limited exemption (under 20 employees, under $7.5M revenue, under $15M assets), you still must file annually and comply with core requirements including cybersecurity policy, risk assessment, and MFA. Our $497 Exemption Filing handles this.

NYDFS Is Enforcing. Aggressively.

These are real enforcement actions. NYDFS investigates and fines years after violations occur.

$19,000,000
8 Auto Insurance Companies
Fined October 2025 for cybersecurity violations under Part 500
$2,000,000
Healthplex, Inc.
Fined August 2025 for failing to implement adequate cybersecurity controls
$1,050,000
First American Title Insurance
Fined 2021 — a vulnerability exposed 880 million documents containing sensitive data
$500–$10,000/day
Per-Violation Penalties
NYDFS can impose daily penalties per violation. Fines have reached $30 million. They pursue violations years after the fact.

Filing a false certification creates personal liability for the CEO and CISO who sign it.

What Changed November 1, 2025

The Second Amendment introduced new requirements most small agencies haven't implemented yet. Your April 15 filing must confirm compliance.

NEW REQUIREMENT

MFA for ALL System Access

Previously, multi-factor authentication was only required for remote access. As of November 1, 2025, MFA is mandatory for all access to information systems — including in-office workstations. This affects every employee who logs into any system containing nonpublic information.

NEW REQUIREMENT

Written Asset Inventory Procedures

Covered entities must now maintain written procedures for a complete asset inventory — tracking all hardware, software, and data assets, including their connections and data flows. A simple spreadsheet is no longer sufficient; you need documented procedures for maintaining and updating the inventory.


Your Complete Compliance Package

Everything you need to file your annual certification, customized to your specific business — delivered in 24 hours.

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Cybersecurity Policy

Full Part 500 compliant policy covering all 18 required sections, customized with your business details, systems, and personnel.

Risk Assessment

Section 500.9 compliant risk assessment identifying threats, vulnerabilities, and remediation priorities for your specific operations.

🔒

MFA Documentation

Compliance documentation for the updated MFA requirements, including implementation status, system coverage, and enrollment procedures.

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Asset Inventory Procedures

Written procedures for maintaining hardware, software, and data inventories as required by the November 2025 amendments.

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Incident Response Plan

Section 500.16 compliant IRP with classification levels, response team roles, 72-hour notification procedures, and recovery protocols.

Certification Prep Guide

Step-by-step instructions for filing your Certification of Material Compliance through the DFS portal, with a compliance checklist.

Why This, Not That

You don't need a cybersecurity vendor. You need your filing done by April 15.

Compliance Attorney
$1,500–$5,000
5-10 hours at $300-500/hr
Takes weeks
Managed Cybersecurity
$790–$1,500/mo
Ongoing subscription
Months to onboard
Part 500 Filing
$997 once
Complete in 24 hours
Rush: 1 hour (+$299)

Choose Your Package

One payment. Complete compliance package. No ongoing fees. No subscriptions.

Exemption Filing
Solo agents qualifying for 500.19(a) limited exemption
$497
One-time payment
Delivered in 24 hours
  • Exemption determination
  • Notice of Exemption prep
  • Limited compliance docs for applicable sections
  • Filing instructions
Mid-Size Agency
20–100 employees
$2,497
One-time payment
Delivered in 24 hours
  • Everything in Solo, plus:
  • Third-party vendor policy
  • Enhanced risk assessment
  • Board reporting templates
  • Training program outline
Broker / Carrier
100+ employees or carriers
$4,997
One-time payment
Delivered in 24 hours
  • Everything in Mid-Size, plus:
  • Class A company analysis
  • Independent audit prep
  • PAM documentation
  • EDR policy requirements

Need It NOW? Add Rush Processing for $299

Your complete documentation package delivered within 1 hour of intake submission. Available for all tiers.

100% Money-Back Guarantee — If you're not satisfied with your documentation package, we'll refund your purchase in full. No questions asked.

🛡 Prepared by compliance professionals
🔒 Insurance industry expertise
⚡ 24-hour delivery standard
💰 Money-back guarantee

Frequently Asked Questions

Am I required to file?
Yes, if you hold any New York insurance license and aren't fully exempt under Section 500.19(b). This includes individual agents, brokers, agencies, and carriers. Even inactive brokers may need to file. The requirement applies to every person or entity operating under a license, registration, charter, certificate, permit, accreditation, or similar authorization under the NY Banking Law, Insurance Law, or Financial Services Law.
What if I qualify for the small business exemption?
Even if you qualify for the Section 500.19(a) limited exemption (under 20 employees, under $7.5M gross annual revenue, under $15M in year-end total assets), you still must file a Notice of Exemption annually AND comply with core requirements including cybersecurity policy, risk assessment, and MFA for remote access. Our $497 Exemption Filing handles the complete process.
What changed in November 2025?
The Second Amendment to 23 NYCRR Part 500 introduced two major changes: (1) MFA is now required for ALL system access, not just remote access — this means every employee who logs into any system containing nonpublic information must use multi-factor authentication, and (2) covered entities must maintain written asset inventory procedures documenting all hardware, software, and data assets. Your April 15, 2026 certification must confirm compliance with these new requirements.
What happens if I don't file?
NYDFS can impose penalties ranging from $500 to $10,000 per violation per day. They have levied fines up to $30 million and actively enforce — $19 million in fines against 8 auto insurers in October 2025 alone. They also pursue enforcement actions years after violations occur. Beyond fines, NYDFS can suspend or revoke your license.
Can I file an Acknowledgment of Noncompliance instead?
Yes, but it triggers heightened DFS scrutiny and requires a detailed remediation timeline. Filing noncompliance essentially flags you for follow-up investigation. Our package helps you get compliant so you can file a Certification of Material Compliance instead — the filing that says "we're in good standing."
I already have cybersecurity through my employer — do I still need to file?
If you hold an individual New York insurance license, you may need to file independently regardless of your employer's compliance status. Our intake questionnaire will determine your specific filing obligation based on your license type, employment structure, and the scope of your employer's Part 500 program.
How is this different from hiring a cybersecurity company?
We don't sell ongoing monitoring, penetration testing, managed services, or cybersecurity tooling. We produce the specific documentation you need to support your April 15 filing. One time, done. A cybersecurity vendor costs $790–$1,500/month and takes months to onboard. A compliance attorney charges $300–$500/hour. We deliver your complete documentation package for a one-time fee, in 24 hours (or 1 hour with Rush Processing).
How fast can I get my documents?
Standard delivery is 24 hours from intake form submission. If you need it faster, Rush Processing ($299 add-on) delivers your complete documentation package within 1 hour of intake submission. Given the April 15 deadline, we recommend getting started today.

The Deadline Is April 15. The Fines Are Real.

Get your compliance documentation done — correctly, defensibly, in 24 hours. Or 1 hour with Rush Processing.

Get Compliant Now →
Get Compliant — Starting at $497