{
  "id": "src_dfs_circular_letter_2026_03",
  "title": "Insurance Circular Letter No. 3 (2026): Motor Vehicle Insurance Reforms (NY Department of Financial Services)",
  "version": 2,
  "revisions": [
    {
      "version": 2,
      "date": "2026-10-25",
      "summary": "Reviewed for source and accuracy. Pointed the official URL and the former Assembly source URL at the Department of Financial Services circular."
    }
  ],
  "publisher": "New York State Department of Financial Services",
  "source_url": "https://www.dfs.ny.gov/industry-guidance/circular-letters/c32026-01",
  "source_type": "government_agency",
  "retrieved": "2026-09-30",
  "notes": "Agency guidance to insurers, dated July 1, 2026. It describes the law; it is not the law.",
  "type": "source",
  "jurisdiction": "us-ny",
  "domain": "torts.motor_vehicle",
  "status": "VERIFIED",
  "verification": {
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    "methods": [
      "Part EE read in the enacted budget bill text (S.9008-C/A.10008-C) on nyassembly.gov, fetched directly on 2026-09-30. Deleted words appear struck through and in brackets; the quoted effective-date clause is § 4 of Part EE.",
      "Chapter number, signing date (May 26, 2026), and application to actions commenced on or after May 26, 2026 compared with the Department of Financial Services' Insurance Circular Letter No. 3 (2026), dated July 1, 2026, read through a direct fetch.",
      "On 2026-10-25 the Assembly bill URL was reported as not found. official_url and the former Assembly source_url now point at Insurance Circular Letter No. 3 (2026). The circular confirms the chapter, the May 26, 2026 date, and the application to later actions. It does not contain the bill's own effective-date sentence, which was read on the Assembly page on 2026-09-30."
    ],
    "human_review_status": "reviewed",
    "reviewer": null
  },
  "owner": "auth_ny_l2026_ch58_part_ee",
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    "verification_date": "2026-09-30",
    "source_freshness": "2026-09-30",
    "temporal_status": "timeless",
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