NY State — NY Vehicle and Traffic Law
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Statute text reproduced from nysenate.gov. Not attorney-reviewed for your situation — for reference only.
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VTL § 2110
If the commissioner is not satisfied as to the ownership of the vehicle or that there are no undisclosed security interests in it, the commissioner may register the vehicle but shall withold issuance of a certificate of title until the applicant presents documents reasonably sufficient to satisfy the commissioner as to the applicant's ownership of the vehicle and that there are no undisclosed security interests in it.
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