eSubmission Portal
Use the Real Estate Finance Bureau (REF) eSubmission Portal to electronically submit any filings to REF.
The REF eSubmission Portal has two main parts: the Activation Tool and the Upload Tool. You must use both tools to complete your initial or final submission. Additionally, you must use this Portal for both initial and final electronic submissions to REF. We no longer accept initial or final submissions via email or the Office of the New York State Attorney General’s (OAG) Secure Cloud.
To use the eSubmission Portal, log into your existing account or create a new account. Use the same login credentials for both the Activation Tool and the Upload Tool. If you previously created an account for REF’s ePayment portal, you can use those same login credentials – you do not need a new account for the eSubmission Portal.
Activation Tool
Use the Activation Tool to start submitting your filing by logging in, entering basic details, and paying (if applicable).
Upload Tool
Upload your submission to continue submitting your filing by uploading your files and sending them to REF.
- Activate your submission – Use the Activation Tool to log in, enter basic details, and pay (if applicable).
- Receive email with Upload Code – Get a unique Upload Code to access the Upload Tool.
- Upload Files for your submission – Go to the Upload Tool, enter your Upload Code, and upload required files.
- Transmit your submission – After uploading required files, transmit your submission to REF.
- Receive email with next steps – Get confirmation email and further instructions.
Have questions?
Follow our step-by-step instructions on how to electronically submit your filing with REF.
Guidance documents
- 2025 increased and new filing fees (10/30/2025)
- 2025 regulatory filing fee schedule (10/30/2025)
- Digital submission requirements for cooperative interests in realty (10/15/2019)
- Frequently asked questions regarding digital submissions requirements (2/4/2016)
- Guidelines for amendment submission (11/5/2025)
- Offering plan initial submission checklist for digital submissions (10/15/2019)
- Procedure for submitting a price change only amendment for consideration prior to acceptance of a pending substantive amendment (11/5/2025)
- Standards for submission of certified public copies of offering pans and amendments (10/15/2019)
- Submission of price change only amendments (2/4/2016)
- Submitting amended and restated offering plans when the offering plan and all previously filed amendments are unavailable (10/15/2019)
- Repeal of cooperative policy statement #9 (2/4/2016)