Article 12-D of the Banking Law requires certain lenders engaged in the business of making mortgage loans to obtain a license from the superintendent. Article 12-D of the Banking Law also provides exemptions from such licensing requirements for certain exempt organizations, provided that the superintendent is notified that they are making mortgage loans in this State and they comply with any regulations applicable to persons so engaged. This Part sets forth requirements that are applicable to both licensed entities and exempt organizations engaged in the making of reverse mortgage loans in this State. General Regulations of the Superintendent Parts 80 and 82 of this Title shall not apply to RPL 280-b loans to the extent that such application would conflict with the HUD/HECM reverse mortgage loan program.