ALBANY – Gov. Andrew Cuomo is urging federal regulators to reject KeyCorp’s $4.1 billion deal to buy First Niagara Financial Group and create the 13th largest commercial bank in the United States.

The New York Democrat says the proposed acquisition of Buffalo-based First Niagara by Cleveland-based KeyCorp would reduce retail banking competition in upstate New York, limit consumer access, and eliminate jobs.

Cuomo is asking the Federal Reserve Board of Governors, the Comptroller of the Currency, and the Justice Department’s Antitrust Division to block it.

First Niagara has nearly 400 locations in New York, Pennsylvania, Connecticut and Massachusetts.

In Dunkirk there is a KeyBank and a First Niagara Bank just blocks from each other.

Other First Niagara locations locally include Angola, Falconer and Jamestown.

KeyBank has additional locations locally in Westfield, as well as Derby, Jamestown and Lakewood.

The banks did not immediately reply to requests for comment.