{"jurisdiction": "us-ny", "code": "penal", "section": "187.01", "citation": "Penal Law § 187.01", "heading": "Limitation on prosecution", "text": ["§ 187.01 Limitation on prosecution.", "No individual who applies for a residential mortgage loan and intends to occupy such residential property which such mortgage secures shall be held liable under this article provided, however, any such individual who acts as an accessory to an individual or entity in committing any crime defined in this article may be charged as an accessory to such crime."], "official_source": "https://www.nysenate.gov/legislation/laws/PEN/187.01", "from_official_api": true, "plain_english": "An individual who applies for a residential mortgage loan and **intends to occupy the secured residential property is not liable under this article**. ★ The individual may still be charged as an **accessory** for assisting a person or entity in committing an offense defined in the article.", "in_force_on": "2026-05-31", "retrieved": "2026-09-27", "url": "https://elyphived.com/us-ny/penal/187.01", "publisher": "Elyphived LLC"}