Does Bank of America list its NYC corporate address in its latest SEC Form 10-K filing?

When evaluating financial partners for your remittance business, transparency and regulatory compliance are critical. One key indicator is whether major U.S. banks publicly disclose their official corporate addresses in SEC filings—such as the annual Form 10-K. For Bank of America, the latest 10-K (filed February 2024) explicitly lists its principal executive offices at 222 Broadway, New York, NY 10038. This NYC address is verified under “Item 1. Business” and “Item 2. Properties,” confirming physical operational presence in a global financial hub.

For remittance providers, partnering with institutions that maintain transparent, SEC-verified headquarters enhances credibility with regulators, customers, and correspondent banks. It signals adherence to U.S. securities laws and reinforces trust—especially important when navigating OFAC, FinCEN, and state money transmitter licensing requirements.

Moreover, having a verifiable NYC address supports smoother ACH, wire, and SWIFT integrations, as many cross-border payment rails require precise institutional location data. Remittance businesses should routinely cross-check partner bank details against authoritative sources like SEC EDGAR—not just corporate websites—to mitigate compliance risk.

In short: Yes, Bank of America does list its NYC corporate address in its latest 10-K—and for your remittance operation, that consistency matters. Prioritize financial partners whose regulatory disclosures align with real-world infrastructure and governance standards.

Is the NYC office considered a “principal executive office” per SEC disclosure requirements?

For remittance businesses operating in the U.S., understanding SEC disclosure requirements is essential—especially when determining the location of the “principal executive office” (PEO). Under SEC rules, the PEO is where the company’s top management conducts core administrative and policy-making functions. While many remittance firms maintain a New York City office for strategic, regulatory, or client-facing reasons, simply having an NYC presence does not automatically designate it as the PEO.

The SEC evaluates substance over form: daily leadership activities, board meetings, financial oversight, and executive decision-making must occur there. If senior executives—including the CEO and CFO—operate primarily from another location (e.g., Miami, Dallas, or abroad), the NYC office may serve only as a sales hub or compliance liaison—not the PEO.

Accurate PEO disclosure impacts Form 10-K, proxy statements, and EDGAR filings. Misclassification risks SEC scrutiny or investor confusion—particularly for publicly traded remittance platforms or SPAC-backed fintechs. Remittance providers should document governance practices, meeting logs, and operational hierarchies to support their designation.

Consulting securities counsel ensures alignment with Regulation S-K Item 101(c)(1)(i) and avoids disclosure pitfalls. For remittance businesses scaling across states, clarifying the true PEO strengthens transparency—and trust—with regulators, partners, and global customers.

What is the mailing address used for official correspondence (e.g., legal notices) sent to Bank of America’s NYC corporate office?

For remittance businesses partnering with or sending official correspondence to Bank of America, accuracy in addressing legal and regulatory documents is critical. The official mailing address for Bank of America’s New York City corporate office—used for legal notices, compliance filings, and formal business communication—is: Bank of America Corporation, 100 North Tryon Street, Charlotte, NC 28255. While the bank maintains a major NYC presence at 113 West 35th Street (including its Global Markets and Investment Banking offices), its legally designated corporate headquarters—and thus the address of record for statutory notices—is in Charlotte, North Carolina.

This distinction matters for remittance providers handling AML/KYC documentation, service-of-process letters, or regulatory submissions. Using an incorrect address may delay responses, invalidate legal service, or trigger compliance red flags. Always verify addresses against Bank of America’s official SEC filings or Investor Relations page before dispatching time-sensitive materials.

For day-to-day operational coordination—including wire instructions, SWIFT confirmations, or partner onboarding—contact the appropriate NYC-based division directly, but never substitute those addresses for official legal correspondence. Ensuring precision protects your remittance business’s credibility and regulatory standing. When in doubt, consult Bank of America’s Corporate Secretary’s Office or review their latest Form 10-K for authoritative contact details.

Does Bank of America’s NYC location serve as its registered agent address in New York State?

Bank of America’s New York City office—often confused as its registered agent address—is not the official registered agent for the bank in New York State. For legal and compliance purposes, financial institutions like Bank of America designate a separate, authorized registered agent to receive service of process and official state correspondence. This role is distinct from operational or branch addresses.

Remittance businesses partnering with or sending funds through Bank of America must understand this distinction—especially when verifying banking details, filing regulatory forms, or ensuring KYC/AML compliance. Using an incorrect address (e.g., a branch location instead of the legally appointed agent) can delay filings or create audit red flags with the New York Department of Financial Services (NYDFS).

The bank’s actual registered agent in New York is CT Corporation System, a professional commercial registered agent, located at 28 Liberty Street, New York, NY 10005—a detail publicly listed with the NY Secretary of State. Always confirm registered agent information via official state business entity databases—not website footers or branch directories.

For remittance providers, accuracy in banking partner documentation supports smoother onboarding, reduces compliance risk, and strengthens trust with regulators and customers alike. Verify—and re-verify—registered agent details before finalizing agreements or disclosures involving Bank of America in New York.

How many employees work at Bank of America’s NYC corporate office location?

When exploring financial infrastructure for remittance businesses, understanding the scale of major U.S. banks—like Bank of America—is essential. While Bank of America’s global workforce exceeds 200,000 employees, its New York City corporate office does not function as a primary headquarters (that role belongs to Charlotte, NC). The NYC location—primarily in the historic Bank of America Tower at One Bryant Park—hosts several key divisions including investment banking, global markets, and corporate treasury functions. Though exact employee counts per city are not publicly disclosed by the bank, industry estimates suggest approximately 3,000–5,000 professionals operate out of its NYC offices.

For remittance providers, this dense concentration of banking talent and regulatory expertise in NYC offers strategic advantages: proximity to Fed services, SWIFT operations, and compliance specialists helps streamline cross-border payment integrations. Partnering with or integrating into ecosystems anchored by institutions like Bank of America can accelerate AML/KYC alignment and correspondent banking relationships.

While precise headcount remains proprietary, recognizing NYC’s role as a nerve center for international finance underscores why remittance startups prioritize operational presence—or fintech collaboration—in this market. Leveraging NYC’s institutional gravity enhances credibility, speed, and scalability in high-volume, low-latency money transfer services.

 

 

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