§ 23. Acceptance or rejection of certificate; investigation fees.
Within twenty days after the receipt by the superintendent of any
organization certificate of a corporation proposed to be organized under
this chapter, or any private banker's certificate together with such
documents as are required to be filed therewith, the superintendent
shall, if such certificate and such accompanying documents comply in
form and substance with the requirements of this chapter, file such
certificate for examination and note thereon the date of such filing. If
such certificate or such accompanying documents do not comply in all
respects with the requirements of this chapter, the superintendent
shall, within twenty days after receipt thereof, return them to the
persons from whom they were received, calling attention to the defect or
defects therein.

At the time of submission of the certificate and accompanying
documents an investigation fee as prescribed pursuant to section
eighteen-a of this article shall be paid to the superintendent, to be
retained by him or her if the certificate and accompanying documents are
filed. If the certificate and accompanying documents are not filed
because of defects therein, the investigation fee is to be returned with
such papers to the persons from whom they were received.