Constitution of the State of New York Art. X § 3. [Savings bank charters;  savings and loan association charters;  special charters not to be granted]

The legislature shall, by general law, conform all charters of savings banks, savings and loan associations, or institutions for savings, to a uniformity of powers, rights and liabilities, and all charters hereafter granted for such corporations shall be made to conform to such general law, and to such amendments as may be made thereto.  The legislature shall have no power to pass any act granting any special charter for banking purposes;  but corporations or associations may be formed for such purposes under general laws.