7. New York, N.Y. | Total score: 68.87 | Accessibility and convenience rank: 5 | Safety and reliability rank: 22 | Public transit resources rank: 97 (Credit: TTstudio/Shutterstock) Ray Dorado is the latest in a series of appointments by DFS Superintendent Linda Lacewell from the private sector to lead the agency's work since her confirmation in July. (Credit: TTstudio/Shutterstock)

Ray Dorado, a longtime attorney in New York's banking industry, has joined the state Department of Financial Services as a top official in its Banking Division, where he'll oversee financial institutions and be instrumental in recommending regulatory and legislative change — including those that impact insurers and emerging industries such as legal cannabis.

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Dan M. Clark

Dan M. Clark is the Albany reporter for the New York Law Journal. He covers the state Court of Appeals, the state legislature, state regulators, and more. Email Dan anytime at [email protected].