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): October 19, 2007
                                                         ----------------

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


      Delaware                        1-31565                    06-1377322
---------------------           -------------------         --------------------
   (State or other                Commission File            (I.R.S. Employer
   jurisdiction of                    Number                 Identification No.)
   incorporation or
    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 2.02:   Results of Operations and Financial Condition
             ---------------------------------------------

             On October 19, 2007, New York Community Bancorp, Inc. (the
             "Company") issued a press release reporting its earnings for the
             three and nine months ended September 30, 2007. A copy of the press
             release is attached as Exhibit 99.1 to this report.

ITEM 7.01:   Regulation FD Disclosure
             ------------------------

             On October 19, 2007, the Company announced that its Board of
             Directors declared a $0.25 per share dividend, payable on November
             15, 2007 to shareholders of record at November 6, 2007. The
             announcement was included as part of the earnings release issued by
             the Company on October 19th and is incorporated into this Item 7.01
             by reference to Exhibit 99.1 (but only with respect to the
             information contained in Exhibit 99.1 regarding the announcement of
             the dividend declaration, and not with respect to any information
             furnished under Item 2.02 of this Form 8-K.)

ITEM 9.01:   Financial Statements and Exhibits
             ---------------------------------

        (d)  Attached as Exhibit 99.1 is a press release issued by the Company
             on October 19, 2007, reporting its earnings for the three and nine
             months ended September 30, 2007.






                                    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:  October 19, 2007                  NEW YORK COMMUNITY BANCORP, INC.
       ----------------

                                         /s/ Joseph R. Ficalora
                                         ----------------------
                                         Joseph R. Ficalora
                                         Chairman, President, and Chief
                                         Executive Officer






                                  EXHIBIT INDEX
                                  -------------


Exhibit Number             Description
--------------             -----------

Exhibit 99.1               Press release issued on October 19, 2007.