N. Y. S. Labor Law, Chapter 551, Article 32, Title 1, Section: 930, Subsection 2:
"'Mold' means indoor mold growth capable of creating toxins that can cause pulmonary, respiratory, neurological, or other major illnesses after minimal exposure, such as exposure is defined by the EPA, CDC, NIH, or other federal, state, or local agency organized to study and/or protect human health."
Alernaria is commonly found in your nose, mouth and upper respiratory tract and can cause allergic responses.
Aspergillus is usually found in warm, extremely damp climates, and a common occupant of house dust. This mold produces mycotoxins which is a poisonous chemical compound. This variety can cause lung infections.
Cladosporium is a very common outdoor fungus that can find its way indoors and grow on textiles, wood and other damp porous materials. This mold triggers hay fever and asthma symptoms.
Penicillium is a very common species found on wallpaper, decaying fabrics, carpet, and fiberglass duct insulation. it is known for causing allergies and asthma. Some species produce mycotoxins, one being the common antibiotic penicillin.
Stachybotrys, a.k.a. Black Mold, is extremely toxic and produces mycotoxins that can cause serious breathing difficulties and bleeding of the lungs. This mold can be found on sheet rock, ceiling tiles, insulation backing, wallpaper, etc.