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					        N E W        Y O R K        S T A T E         B A N K I N G            D E P A R T M E N T


        WEEKLY BULLETIN
                                                                                         February 26, 2010

SECTION I

This section records the receipt of applications and notices to the Banking Department. Applications
and notices received by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed
Financial Services Divisions are listed in order of date of receipt; applications and notices received by the
Mortgage Banking Division are listed at the end of Section I by type of application or notice. THE
WEEKLY BULLETIN CONSTITUTES THE ONLY WRITTEN NOTIFICATION OF THESE SUBMISSIONS
THAT WILL BE ISSUED BY THE BANKING DEPARTMENT. Any comment on, or objection to, any item
contained in this Weekly Bulletin should be presented to the Banking Department within 10 calendar
days of the date of this bulletin, unless a different time period is specified in the item. More specifically,
such comments or objections, including any that concern CRA-related applications, should be either (a)
delivered by mail or in person to The Secretary of the New York State Banking Board, One State Street,
New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to
BBSecretary@banking.state.ny.us This Weekly Bulletin may also be viewed online at the Banking
Department’s Web site at: http://www.banking.state.ny.us

SECTION II

This section records actions taken by the Superintendent of Banks and/or the Banking Board, and other
information concerning the activities of the Banking Department. Actions relating to institutions
supervised by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial
Services Divisions are listed in order of date of action; actions relating to institutions supervised by the
Mortgage Banking Division are listed at the end of Section II by type of action taken.

SECTION III

This section provides notification of the filing by federally-chartered institutions of applications for new
branches to be located in New York received from Mr. Toney Bland, Deputy Comptroller, Office of the
Comptroller of the Currency, 340 Madison Avenue, 5th Floor, New York, NY 10017 and Mr. Brian
Steffey, Office of Thrift Supervision, Harborside Financial Center Plaza Five, Suite 1600, Jersey City, NJ
07311. Any comment or objection in relation to any application in Section III should be communicated
immediately to the supervisor of the institution involved, with a copy furnished to this office. This
section is provided as a courtesy to New York State-regulated banking institutions; additional
information relating to federally-chartered institutions is available in the Office of the Comptroller of the
Currency’s Weekly Bulletin or its Web site: http://www.occ.treas.gov and via the Office of Thrift
Supervision’s Web site at: http://www.ots.treas.gov.

GENERAL INFORMATION

Each item in the Weekly Bulletin is identified by a two-letter code indicating the type of institution and a
three-letter code indicating the Banking Department Division which has supervisory responsibility for the
institution. The following is a list of the codes and their meanings:




                                                      1
      Institution Codes
                                                              FB = Foreign Branch
      BK = Bank                                               FR = Foreign Representative Office
      TR = Trust Company                                      PF = Premium Finance Agency
      PB = Private Banker                                     SF = Sales Finance Agency
      SD = Safe Deposit Company                               LL = Licensed Lender
      HC = Holding Company                                    TM = Transmitter of Money
      SB = Savings Bank                                       BP = Budget Planner
      MK = Merchant Bank                                      CC = Check Casher
      SL = Savings and Loan Association                       MB = Mortgage Banker
      CU = Credit Union                                       BR = Mortgage Broker
      IC = Investment Company                                 MS = Miscellaneous
      FA = Foreign Agency

      Division Codes

      FWB = Foreign and Wholesale Banks Division
      CRB = Community and Regional Banks Division
      LFS = Licensed Financial Services Division
      MBD = Mortgage Banking Division
      CSD = Consumer Services Division


                                                    SECTION l

February 19, 2010 (SF-LFS)
RESPECT FINANCIAL, INC.
888 Troy Schenectady Road, Latham, Albany County, New York 12110

Application received for a license to engage in business as a sales finance company.

The publication of receipt of this application does not indicate that the application is deemed complete. An
application is deemed complete and filed when all required and requested information has been provided to the
Department by the applicant.


February 22, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notices of intention to establish electronic facilities (automated teller machines) at the following four locations,
received:

(1)       Shoppers Food & Pharmacy, 14000 Shoppers Best Way, Woodbridge, Prince William County, VA
          22192;
(2)       Shoppers Food & Pharmacy, 1320 Carl D. Silver Parkway, Fredericksburg, VA 22401;
(3)       Shoppers Food & Pharmacy, 1505 Stafford Market Place, Stafford, Stafford County, VA 22556; and
(4)       Shoppers Food & Pharmacy, 6228 North Kings Highway, Alexandria, Fairfax County, VA 22303.




                                                         2
February 24, 2010 (MS-CRB)
CHINATRUST BANK (U.S.A.)
22939 Hawthorne Boulevard, Torrance, CA 90505

Notice of intention to close branch office at 366 Madison Avenue (8th Floor), Borough of Manhattan, City of
New York 10017, received.

The comment period on this notice will expire March 29, 2010.


February 24, 2010 (CC-LFS)
CARL FRIEDMAN
1045 Westchester Avenue, Bronx, NY 10459

An application was received for the Superintendent’s prior approval of a change of control of Subway Check
Cashing Service, Inc., Bronx, NY, a licensed casher of checks.

The publication of receipt of the application does not indicate that the application is deemed complete. The
application is deemed complete and filed when all required and requested information has been provided to the
Department by the applicant.

Any comments or objections should be submitted in writing, within 10 business days, by March 12, 2010.


February 24, 2010 (CC-LFS)
BEATRICE FRIEDMAN
1045 Westchester Avenue, Bronx, NY 10459

An application was received for the Superintendent’s prior approval of a change of control of Subway Check
Cashing Service, Inc., Bronx, NY, a licensed casher of checks.

The publication of receipt of the application does not indicate that the application is deemed complete. The
application is deemed complete and filed when all required and requested information has been provided to the
Department by the applicant.

Any comments or objections should be submitted in writing, within 10 business days, by March 12, 2010.


February 25, 2010, 2010 (LL-LFS)
HSBC AUTO CREDIT INC.
26525 North Riverwoods Boulevard, Metawa, IL 60045

A notification to change a licensed lender business location from 6602 Convoy Court, San Diego, California
92111 to head office at 26525 North Riverwoods Boulevard, Mettawa, Illinois 60045, was received.

The publication of receipt of the notification does not indicate that the notification is deemed complete. A
notification to change a licensed lender business location is deemed complete and filed when all required and
requested information have been provided to the Banking Department by the applicant.

Any comments or objections should be submitted in writing, within 10 calendar days, by March 10, 2010.




                                                      3
Application to engage in the business of a Mortgage Broker under Article 12-D of the New York State Banking
Law received for examination amended to read as follows:

February 24, 2010 (BR-MBD)
From: Applicant(s)
Gullbahet Y. Khanat
As: Fast Track Home Funding Corp.
153 Hilton Avenue, Hempstead, NY 11550

To: Fast Track Home Funding Corp.
236 Fulton Avenue, Suite 219, Hempstead, NY 11550 3915


Application to establish a Mortgage Banker's Branch received for examination:

February 23, 2010 (MB-MBD)
Full Service Branch
FRM Network In Lieu of True Name First Residential Mortgage Network, Inc.
Additional DBA(S): SurePoint Lending
4890 West Kennedy Blvd., Two Urban Center, Tampa, FL 33609


Article 12-E Applications received after July 11, 2009. Each individual listed may not engage in mortgage
loan origination activities until notified in writing that he or she may do so. In addition, all such individuals
must be licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009). They must also
complete all required education, testing and bonding requirements by the dates set forth in Part 420 of the
Superintendent’s Regulations which may be found on the Department’s website.

 January 19 2009            Lisa Dipaola                     Staten Island         NY
 February 02 2009           Salvatore Pane                   Manvorville           NY
 April 10 2009              John Gerardi                     Mamaroneck            NY
 November 06 2009           Martha Patricia Mora             Woodhaven             NY
 November 18 2009           Benny Serrano                    Pelham                NY
 November 20 2009           Desiree Anne Jewsbury            Brooklyn              NY
 November 20 2009           Michael Anthony Gentles          Central Islip         NY
 November 20 2009           Julie Lynne Enslin               Liverpool             NY
 November 20 2009           Marygrace Silvestre Lorido       Passaic               NJ
 November 20 2009           Michelle Ann Singh               Jamaica               NY
 November 20 2009           Lindy Lee Childrose              Rensslaer             NY
 November 20 2009           Warren Keith Young               Long Branch           NJ
 November 20 2009           Vincent Eugene Riggins           Brooklyn              NY
 November 20 2009           Kayshon D Stanberry              Brooklyn              NY
 November 20 2009           Mark F Casamassina               Wayne                 NJ
 November 20 2009           Edward Anthony Austin            Brooklyn              NY
 November 23 2009           Marc Alan Paley                  West Babylon          NY
 November 24 2009           Philip Anthony Dileo             Glen Cove             NY
 November 24 2009           Jhuan Carlos Tapiero             Sugar Loaf            NY
 November 24 2009           Derek Wesley Towse               Canajoharie           NY
 November 24 2009           Delshaun Marie Lewis             New York              NY
 November 24 2009           Philip Nolan Heppding            Santa Rosa Beach      FL
 December 01 2009           David Michael Boyd               St Augustine          FL
 December 01 2009           Michael A Galicia                West Long Branch      NJ
 December 16 2009           Liberatore Joseph Zagame         Lake Grove            NY
 December 31 2009           Ronald Novotny                   East Islip            NY
 January 05 2010            Heather C Close                  Delmar                NY
                                                        4
January    06   2010   Jeffrey Ivan Rosen            East Brunswick     NJ
January    11   2010   Inna Santillana               Deer Park          NY
January    11   2010   Sonia Gomez                   Richmond Hill      NY
January    11   2010   Vincent P Bardong             Staten Island      NY
January    11   2010   Richard John Sers             New City           NY
January    11   2010   Rachel Elizabeth Harbert      Charlotte          NC
January    11   2010   Michael Scott Baucom          Matthews           NC
January    11   2010   Michael Reid Remillard        Tega Cay           SC
January    11   2010   Mark David Barrett            Charlotte          NC
January    11   2010   Scott Edwin Thomas            Fort Mill          SC
January    11   2010   Brian Robert Gillespie        Harrisburg         NC
January    11   2010   Allen Keith John              Charlotte          NC
January   11    2010   Jonathan Sternlieb Marshall   Scottsdale         AZ
January    12   2010   William Petrowitz             Babylon            NY
January    12   2010   Fredric Joseph Tegeler        Charlotte          NC
January    12   2010   Ernest Choi                   Matthews           NC
January    12   2010   Matthew Francis Faranda       Lagrangeville      NY
January    13   2010   Richard Christopher Hardy     Mckinney           TX
January    13   2010   Brad Christopher Salin        Charlotte          NC
January    13   2010   Francelene Louis              Brooklyn           NY
January    13   2010   Wendy Karyn Pearson           Tampa              FL
January    13   2010   Paul Michael Massey           Charlotte          NC
January   13    2010   Michael Isaacs                New Albany         OH
January   14    2010   John Clark Eckis              Elma               NY
January    14   2010   June M Arndt                  Croghan            NY
January    14   2010   Yves F Andradas               Brooklyn           NY
January    14   2010   Jaroslaw Kaszuba              Hewlett            NY
January    14   2010   Janneth Cali                  Maspeth            NY
January    14   2010   John Michael Winslow          Las Vegas          NV
January    14   2010   John Robert Kiyak             White Plains       NY
January    14   2010   Philip C Palmetto             Dix Hills          NY
January    15   2010   John Cobb Jr.                 South Ozone Park   NY
January    15   2010   Natasha Ann-Marie Davis       Farmingdale        NY
January    15   2010   Christopher Bryan Murray      Gilgo Beach        NY
January    15   2010   Shaniqua Nyiema Mcdowell      Valley Stream      NY
January    18   2010   Jason Michael Grunfeld        West Hempstead     NY
January    18   2010   Matthew Bellomo               Franklin Square    NY
January    18   2010   Virgil John Zamora            Rego Park          NY
January    19   2010   Christian Michael Grimshaw    Slingerlands       NY
January    19   2010   Eneroliza Tejada              Ozone Park         NY
January    20   2010   Flor D Ramirez                Flushing           NY
January    20   2010   Jason A Berg                  Teaneck            NJ
January    20   2010   Melissa Yvonne Nicol          Copenhagen         NY
January    20   2010   Justin Thomas                 Pomona             NY
January    20   2010   Seema Quadri                  East Northport     NY
January    21   2010   Shuet Ying Lam                New York           NY
January    21   2010   Rutha M Barr                  Laurelton          NY
Janaury   21    2010   Gerald Jean                   Brentwood          NY
January    22   2010   Audrey C. Thom                Middletown         NY
January    22   2010   Obdulia Ortiz                 New York           NY
January    22   2010   Lourdiny John Exume           Queens             NY



                                               5
                                                  SECTION II

February 17, 2010 (BK – CRB)
FIRST CENTRAL SAVINGS BANK
70 Glen Street, Glen Cove, New York, 11542

The New York Banking Department issued a Consent Order to First Central Savings Bank pursuant to
Section 39 of the New York Banking Law, effective February 17, 2010.


February 18, 2010 (FR-FWB)
ABN AMRO BANK N.V.
Gustav Mahlerlaan 10, 1082PP Amsterdam, The Netherlands

Application for a license to establish and maintain a representative office in the Borough of Manhattan,
City of New York, approved by the Superintendent of Banks.


February 19, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorizations granting permission to open and occupy branch offices at the following two locations,
surrendered for cancellation:

(1)     3418A Annapolis Road, Baltimore, MD 21227; and
(2)     BJ's Wholesale Club, 9011 Snowden River Parkway, Columbia, Howard County, MD 21046.

Offices discontinued as of February 12, 2010.


February 22, 2010 (TR-FWB)
MIZUHO TRUST & BANKING CO. (USA)
135 West 50th Street, New York, NY 10020

Notification received, in accordance with Supervisory Policy G 8, of the establishment of representative offices
at the following two locations:

(1)      Mizuho Trust & Banking Co., Ltd., 1-2-1 Yaesu, Chuo-ku, Tokyo, Japan; and
(2)     Trust & Custody Services Bank, Ltd., Tower Z, Harumi Triton Square, 8-12 Harumi, 1-Chome,
         Chuo-ku, Tokyo, Japan.


February 22, 2010 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Applicant notified in writing that no objection will be interposed to the establishment of an electronic facility
(automated teller machine) at Sheetz Inc. Convenience Store, 790 North Main Street, Kernersville Township,
Forsyth County, NC 27284.




                                                        6
February 22, 2010 (MS-CRB)
INVESTORS SAVINGS BANK
101 JFK Parkway, Short Hills, NJ 07078

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative
office to be located at 60 East 42nd Street (Suite 4540), Borough of Manhattan, City of New York 10165.



February 23, 2010 (CC-LFS)
1 STOP CHECK CASHING CORP.
878 Manor Road, Staten Island, NY 11314

License to engage in business as casher of checks at 878 Manor Road, Staten Island, NY 10314 was
surrendered.



February 24, 2010 (FB-FWB)
COMMERZBANK AG
Main Tower KaiserPlatz 60311 Frankfurt am Main, Germany

Authorization Certificate to maintain an additional branch office at 1301 Avenue of Americas, New York, New
York 10019, was voluntarily surrendered on February 5, 2010.


February 25, 2010 (CC- LFS)
UBNY, LLC D/B/A SUPERCASH
115 West 23 Street, New York, NY 10011

A license was issued for the relocation of a licensed casher of checks to 44-66 21st Street, Long Island City,
NY 11101 from 44-04 21ST Street, Long Island City, NY 11101.


License issued to engage in the business as a Mortgage Banker Branch under Article 12-D of the New York
State Banking Law:

February 22, 2010 (MB-MBD)
Full Service Branch
Mortgage Master, Inc.
1208 Highway 34, Suite 19, Aberdeen, NJ 07747


Application approved pursuant to Section 590(5-a) of the New York State Banking Law to act as an FHA
Mortgage Loan Correspondent:

February 24, 2010 (BR-MBD)
Sunrise Mortgage Company, Inc.
49 Guy Lombardo Avenue, Freeport, NY 11520


Certificate to engage in the business of a Mortgage Broker surrendered:

February 24, 2010 (BR-MBD)
Prime Mortgage Corp.
2170 Monroe Avenue, Rochester, NY 14618 2418
Effective Date: February 12, 2010


                                                      7
February 24, 2010 (BR-MBD)
Alpha Century, Inc.
47-35 161st Street, Suite L, Flushing, NY 11358 3638
Effective Date: February 12, 2010

February 24, 2010 (BR-MBD)
Howard Dreises
155 Henry Street, Brooklyn, NY 11201
Effective Date: February 17, 2010

February 24, 2010 (BR-MBD)
Vantage Funding Group, LLC
159 New Dorp Plaza, Staten Island, NY 10306
Effective Date: February 12, 2010


License to engage in the business of a Mortgage Banker surrendered:

February 24, 2010 (MB-MBD)
Atlantic First Financial Corp.
217 Park Row - Suite 5, New York, NY 10038 1101
Effective Date: February 10, 2010

February 24, 2010 (MB-MBD)
Ameripath Mortgage Corporation
6410 Oak Canyon, Suite 200, Irvine, CA 92618 5213
Effective Date: February 11, 2010


Certificate to engage in the business of a Mortgage Broker Branch surrendered:

February 24, 2010 (BR-MBD)
Full Service Branch
Territory Mortgage, Inc.
2628 Seneca Street, West Seneca, NY 14224
Effective Date: February 17, 2010


License to engage in the business of a Mortgage Banker revoked:

February 24, 2010 (MB-MBD)
Knightbridge Mortgage Bankers LLC
333 Earle Ovington Boulevard, Suite 210, Uniondale, NY 11553 3623
Effective Date: February 23, 2010


The suspension of the following Registered Mortgage Broker's registrations has been lifted:

February 19, 2010 (BR-MBD)
Joanne Panek-Hortman DBA Ashcroft Mortgage Solutions
817 Abbott Road, Buffalo, NY 14220




                                                     8
The following have been reinstated to the role of registered mortgage brokers. New mortgage brokerage
residential property business may now be resumed:

February 18, 2010 (BR-MBD)
Home Sweet Home Mortgage Corp.
1222 White Plains Road, Suite 101, Bronx, NY 10472

February 18, 2010 (BR-MBD)
Heritage Capital Mortgage, Inc.
800 Veterans Memorial Highway - Suite 80, Hauppauge, NY 11788

February 22, 2010 (BR-MBD)
Epsilon Financial Services
311 North Main Street, Spring Valley, NY 10977

February 23, 2010 (BR-MBD)
Prodigy Mortgage Corp.
15 North Mill Street, Nyack, NY 10960


Mortgage Broker Certificate Address Changes:

February 24, 2010 (BR-MBD)
Myung Ouk Park D/B/A Top Mortgage Services
From: 333 Sylvan Avenue, Suite 310, Englewood Cliffs, NJ 07632
To: 454 Main Street, #4, Fort Lee, NJ 07024 2841


Mortgage Broker Branch Certificate Address Changes:

February 23, 2010 (BR-MBD)
Primerica Financial Services Home Mortgages, Inc.
From: 45 Dolson Avenue, Suite 8, Middletown, NY 10940
To: 45 Dolson Avenue, 2nd floor, Middletown, NY 10940


Subsequent to a hearing conducted on November 24, 2009, the following company's Mortgage Banker
License was revoked on February 23, 2010. The Superintendent found substantial evidence has been adduced
that the Respondent, a mortgage banker failed to maintain a line of credit in an amount of not less than
$1,000,000 in violation of Section 410.1(b)(2) of Part 410 of the Superintendent's Regulation and failed to
file a Volume of Operation Report ("VOOR") for the 2008 calendar year in violation of Section 597 of New
York Banking Law and Section 410.8(b) of Part 410 of the Superintendent's Regulation.

February 24, 2010 (MB-MBD)
Knightbridge Mortgage Bankers LLC
333 Earle Ovington Boulevard, Suite 210, Uniondale, New York 11553
Effective Date: February 23, 2010


Applications for authorization as a Mortgage Loan Originator under Article 12-E of the New York Banking
Law, WITHDRAWN. The individuals listed may not engage in mortgage loan origination activity in New
York State or on New York State residential property:


  February 23 2010     Dean Dimou                        Brookhaven   NY



                                                     9
Article 12-E Applications filed prior to July 11, 2009 and deemed complete by the Superintendent. Each
individual listed may engage in mortgage loan origination activities on a temporary basis until such time as
the Superintendent approves or denies his/her application or the application is withdrawn. In addition, all
such individuals must be licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009).
They must also complete all required education, testing and bonding requirements by the dates set forth
in Part 420 of the Superintendent’s Regulations which may be found on the Department’s website.

  January 10 2008       Constance Rosemarie Francis        St Albans      NY
  October 15 2008       James J Burton                     Schenectady    NY

                             THERE ARE NO SECTION III ITEMS THIS WEEK.




 The Weekly Bulletin is available to the public on the New York State Banking Department’s Web site at:
                                         www.banking.state.ny.us




                                                     10