Twelve banks previously agreed to postpone mortgage payments for three to six months without requiring a lump sum at the end of the forbearance period, the state said.

WSJ: New York Officials Probe Mortgage Lenders

The state is asking 32 banks, among other things, how many owners requested and received forbearance and how banks reported to credit agencies during the forbearance period, to ensure they aren't improperly reporting missed payments that would lower credit scores.

WSJ: New York Officials Probe Mortgage Lenders