Section 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.