UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


       Date of Report (Date of earliest event reported): December 22, 2008
                                                         -----------------


                        NEW YORK COMMUNITY BANCORP, INC.
                        --------------------------------
             (Exact name of registrant as specified in its charter)


          Delaware                     1-31565                   06-1377322
----------------------------    ----------------------       -------------------
(State or other jurisdiction    Commission File Number        (I.R.S. Employer
  of incorporation or                                        Identification No.)
    organization)


                  615 Merrick Avenue, Westbury, New York 11590
                    (Address of principal executive offices)


                                 (516) 683-4100
              (Registrant's telephone number, including area code)

                                 Not applicable
          (Former name or former address, if changed since last report)


Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions:

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.13e-4(c))



                           CURRENT REPORT ON FORM 8-K
                           --------------------------


Item 8.01      Other Events
               ------------

               On December 22,  2008,  New York  Community  Bancorp,  Inc.  (the
               "Company")  completed an offering of  $90,000,000 of 2.550% Fixed
               Rate Senior Notes Due June 22, 2010. In addition, on December 17,
               2008, the Company's  savings bank subsidiary,  New York Community
               Bank  (the   "Community   Bank"),   completed   an   offering  of
               $512,000,000  of 3.000%  Fixed Rate Senior Notes Due December 16,
               2011.  The Senior  Notes are  guaranteed  by the Federal  Deposit
               Insurance  Corporation  under the Temporary  Liquidity  Guarantee
               Program  (the  "TLGP") and backed by the full faith and credit of
               the United States.

               The 2.550% Senior Notes are the direct, unconditional, unsecured,
               and general  obligation  of the Company and rank equally with all
               other senior  unsecured  indebtedness of the Company.  The 3.000%
               Senior  Notes  are  the  direct,  unconditional,  unsecured,  and
               general obligation of the Community Bank.

               The Senior  Notes  issued by the Company and the  Community  Bank
               have each been rated Aaa by Moody's and AAA by each of Standard &
               Poor's, Fitch, and DBRS.



                                    SIGNATURE
                                    ---------

     Pursuant to the  requirements  of the Securities  Exchange Act of 1934, the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.



Date: December 23, 2008                 NEW YORK COMMUNITY BANCORP, INC.
      -----------------



                                        /s/ Ilene A. Angarola
                                        ---------------------
                                        Ilene A. Angarola
                                        Executive Vice President
                                        and Director, Investor Relations