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Weekly Bulletin
September 4, 2009

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.govand 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:

Institution Codes

BK = Bank
TR = Trust Company
PB = Private Banker
SD = Safe Deposit Company
HC = Holding Company
SB = Savings Bank
MK = Merchant Bank
SL = Savings and Loan Association
CU = Credit Union
IC = Investment Company
FA = Foreign Agency

FB = Foreign Branch
FR = Foreign Representative Office
PR = Premium Finance Agency
SF = Sales Finance Agency
LL = Licensed Lender
TM = Transmitter of Money
BP = Budget Planner
CC = Check Casher
MB = Mortgage Banker
BR = Mortgage Broker
MS = Miscellaneous

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 I

August 31, 2009 (PF-LFS)
PREMIUM FUNDING ASSOCIATES, INC.
One World Financial Center, 200 Liberty Street, New York, NY  10281

Application received for a license to engage in business as a premium finance company at the above location and 3 branches:

344 Delaware Avenue, Buffalo, New York 14202
255 East Avenue, Suite 301, Rochester, NY  14606
200 Broadhollow Road, Suite 406, Melville, NY 11747 

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.


September 1, 2009 (SF-LFS)
LEADERS FINANCIAL COMPANY
67 Walnut Avenue, Suite 110, Clark, Union County, NJ 07066

A notification of a change of location to 21 Commerce Drive, 1st Floor, Suite 101, Cranford, Union County, NJ 07016 was received.

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


September 1, 2009 (SF-LFS)
J & S AUTO CREDIT, INC.
740 State Street, Schenectady, NY 12307

An application to use of the assumed name, JSAC, was received.

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


September 2, 2009 (BP-LFS)
GOLDEN STATE DEBT MANAGEMENT CORP.
23848 Hawthorne Blvd., Suite #101, Torrance, CA 90505-5946

A notification was received of the relocation of the main office to 23842 Hawthorne Blvd., Suite #201, Torrance, CA 90505-5946 from 23848 Hawthorne Blvd., Suite #101, Torrance, CA 90505-5946.

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


September 4, 2009 (CC-LFS)
A.T.N. CHECK CASHING CORPORATION
122-11 Guy R. Brewer Boulevard, Jamaica, NY 11434

An application was received for a license to engage in business as a licensed casher of checks at 2829 Edson Avenue, #2B, Bronx, NY  10469.
 
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.

Any public response is to be given within ten business days.


Application to engage in the business of a Mortgage Banker under Article 12-D of the New York State Banking Law received for examination:

September 01, 2009 (MB-MBD)
Applicant(s)
Stephen Matthew Calk
John Towhey Calk
Laura Vivian Watson
As: Chicago Funding
In Lieu of True Name
Chicago Bancorp, Inc.
300 North Elizabeth Street, #3E, Chicago, IL 60607


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

September 01, 2009 (BR-MBD)
Worldwide Capital Mortgage Corp.
1472 Sunrise Highway, Bay Shore, NY 11706


Mortgage Broker Certificate Name Change Received:

August 27, 2009 (BR-MBD)
From: Maximum Financial LLC D/B/A The Mortgage Capital Group
To: The Mortgage Capital Group LLC


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

August 27, 2009 (BR-MBD)
Accion Home Mortgage Corp.
297 Knollwood Road, Suite 203, White Plains, NY 10607

August 28, 2009 (BR-MBD)
Asean Capital, Inc.
31 West Main Street - Suite 212, Patchogue, NY 11772 3026

August 31, 2009 (BR-MBD)
Fairfield Services M, LLC D/B/A Fairfield Mortgage Company
66 Commack Road, Commack, NY 11725


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 regulations being drafted by the Superintendent pursuant to the authority of Article 12-E.

June    25 2008

65114

Ronald Veram Kenderian

Pomona

NY

August 08 2008

72765

Michael  Scott  Bauer

Long Beach

NY

September 23 2008

114841

Ziaul  Qamar  Khan

Campbell Hall

NY

October    08 2008

105573

Craig  W  Ellinwood

Westport

CT

November 06 2008

105594

Michael  Joseph  Sedlak

Islip

NY

November 25 2008

112131

John    O'Connor

Wyckoff

NJ

December 11 2008

136302

Sonia    Nijhawan

Elmhurst

NY

December 30 2008

19859

Leonard    Saburro  Jr.

Yaphank

NY

December 31 2008

147672

Aryeh    Brody

Brooklyn

NY

January    26 2009

151503

Ramsey  W  Jenkins

St Albans

NY

February   06 2009

119321

Joanna    Ross

Columbus

OH

March  04 2009

162257

Antonio    Bastos

Mineola

NY

March  25 2009

167696

Kinshasa  Ife  Tillman

Valley Stream

NY

April    08 2009

19678

Matthew  James  Sullivan

Greenville

RI

April    27 2009

171214

Allen  B  Waterhouse

Bridgeport

CT

April    27 2009

173963

Reinaldo    Garcia

Matawan

NJ

May    07 2009

175374

Leonard    Minuto

Tappan

NY

May    08 2009

175481

Sekhou  Salmeno  Cummings

Trenton

NJ

May    12 2009

175926

David    Loysen

Troy

NY

May    22 2009

130170

Bert    Brown

Bayshore

NY

May    22 2009

176180

Gregg    Weisenberg

Long Beach

NY

May    26 2009

178105

Denise  Marie  Keeley

Staten Island

NY

June   02 2009

58638

Kenneth    Bianco

Medford

NY

June   16 2009

181160

Alex  Keith  Payne

Bronx

NY

June   29 2009

182593

Nadi    Persaud

Glen Head

NY

July    01 2009

171223

Maria  Kathrine  Linder

Conshohocken

PA

July    01 2009

176746

Anthony  R.  Wesemann

Norristown

PA

July    01 2009

17173

Maria  Elaine  Pagano

Wyndmoor

PA

July    01 2009

183893

Gabriel  Menachem  Feuer

New York

NY

July    02 2009

147304

Joseph  Patrick  Jefferis

Lansdale

PA

July    02 2009

176738

Michael  Steven  Klotz

White Plains

NY

July    02 2009

133718

Paul  Domenic  Blasetti  Jr

Norristown

PA

July    02 2009

135350

Jonathan  Robert  Webb

Lafayette Hill

PA

July    02 2009

179732

Christopher  Daniel  Alsup

Jacksonville

FL


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 regulations being drafted by the Superintendent pursuant to the authority of Article 12-E."

July     13 2009

185250

Anand  Priya  Prakash

Flushing

NY

July     15 2009

9224

Michael  Jacob  Ben-Simon

New York

NY

July     16 2009

88941

Brian  Scott  Haire

Charlotte

NC

July     17 2009

83495

Chester  John  Wisinski

Charlotte

NC

July     20 2009

184262

Robert  Vincent  Dirusso

Patterson

NY

July     27 2009

73045

Nicholas  James  Valenti  Jr.

Troy

NY

July     27 2009

183936

Bobby  T  Gross

Charlotte

NC

July     27 2009

187469

Mary  Theresa  Viti

Larchmont

NY

July     27 2009

187494

Joanne  Gold  Demaria 

Commack

NY

July     27 2009

178037

Reed  Kunz  Montgomery 

Louisville

KY

July     28 2009

7763

Jessica  Ray  Oliver

Louisville

KY

July     28 2009

178592

Denise  Catherine  Nuzzi

Holbrook

NY

July     28 2009

117962

Michael  Francis  Fava

Concord

NC

July     28 2009

187230

Bruce  Keith  Oliver

Franklin Lakes

NJ

July     28 2009

187387

Mark  Edward  Johnson

Wyckoff

NJ

July     28 2009

187389

Jeanette    Defiore

River Vale

NJ

July     28 2009

186115

Marc  Anthony  Pollicino

Woolwich Township

NJ

July     28 2009

186146

Carol    Bonanno

Cherry Hill

NJ

July     28 2009

158378

Eugene  Richard  Updyke  Jr

Philadelphia

PA

July     28 2009

47532

Bradley  Austin  Westley

Lancaster

PA

July     28 2009

173629

Thomas  Patrick  Cassidy

Conshohocken

PA

July     28 2009

183514

Danielle  P  Staskiel

Wenonah

NJ

July     28 2009

108334

Ralph  Casey  Nunn

Charlotte

NC

July     28 2009

13048

Michael  A  Baker

Havertown

PA

July     28 2009

187596

Rita  Jean  Mctigue

Holley

NY

July     28 2009

89976

Luigi  Salvatore  Milano

Ridgewood

NY

July     28 2009

183818

Aletra  Marie  Monfredo-Tagios

Port Washington

NY

July     29 2009

182738

Adam  Abraham  Missry

Brooklyn

NY

July     29 2009

181164

Shannon  Lata  Smith

Jacksonville Beach

FL

July     29 2009

143082

Bruce  Daryl  Ostovitz

King Of Prussia

PA

July     29 2009

133319

Mark  A.  Giannotti

Schwenksville

PA

July     29 2009

146779

William    Szorentini

Ramsey

NJ

July     30 2009

150235

Dannielle  Amy  Whitcomb

Lindenhurst

NY

July     30 2009

183124

Kosmas Constantine Basiakyros

Elmhurst

NY

July     30 2009

187120

Esther  Inhee  Kim

Irvine

CA

July     30 2009

167213

Brian  Alexander  Harrison

Lansdale

PA

July     30 2009

67166

Patricia    Ocampo

Brentwood

NY

July     30 2009

8154

Scott  F  Lacey

Lincoln

RI


SECTION II

April 10, 2009 (CC-LFS)
ABRS CHECK CASHING CORP.
241C Rockaway Parkway, Brooklyn, NY 11212     

A license was issued to change the location of doing business as a licensed casher of checks to 5704-5706 Clarendon Road, Brooklyn, NY 11203 from 1271 Ralph Avenue, Brooklyn, NY 11236.        

In connection with the above license issuance, the original check casher license for 1271 Ralph Avenue, Brooklyn, NY 11236 was surrendered.


August 4, 2009 (BK-CRB)
SIGNATURE BANK
565 Fifth Avenue, New York, NY 10017

Authorization issued to open and occupy a branch office at 50 West 57th Street, Borough of Manhattan, City of New York 10019, on or after August 5, 2009.


August 4, 2009 (CC-LFS)
MONEY SPOT INC.
5 Lorimer Street, Suite 5-A, Brooklyn, NY 11206   

A license was issued to engage in business as a licensed casher of checks, as a result of the purchase of certain assets of Hilton Check Cashing, Corp. at 283 Van Brunt Street, Brooklyn, NY 11231.     

In connection with the above license issuance, the original check casher license for 283 Van Brunt Street, Brooklyn, NY 11231 was surrendered.


August 28, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
           
Notification received of the closing of a representative office at Lock Haven University, 401 North Fairview Street, Lock Haven, Clinton County, PA 17745, effective August 12, 2009.  (This institution now periodically operates a limited purpose branch office at this location.)


August 31, 2009 (TR-CRB)
ALPHA CAPITAL PRIVATE BANK
c/o Davis Polk & Wardwell
450 Lexington Avenue, New York, NY 10017

Organization Certificate withdrawn.


August 31, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Authorizations issued August 27, 2009 to open and occupy branch offices at the following nine locations, on or after August 28, 2009:

  1. 10100 Baltimore National Pike, Ellicott City, Howard County, MD 21042;
  2. 7965 Baltimore-Annapolis Boulevard, Glen Burnie, Anne Arundel County, MD 21060;
  3. 14301 Jarrettsville Pike, Phoenix, Baltimore County, MD 21131;
  4. 11 West Ridgely Road, Timonium, Baltimore County, MD 21093;
  5. 8604 Harford Road, Baltimore, Baltimore County, MD 21234;
  6. 159 North Luzerne Avenue, Baltimore, MD 21224;
  7. 1777 Reisterstown Road, Pikesville, Baltimore County, MD 21208;
  8. 6900 York Road, Baltimore, Baltimore County, MD 21212; and
  9. Baltimore Crossroads @ 95, 730 Concourse Circle, Baltimore, Baltimore County, MD 21220.

(These locations had been offices of Bradford Bank, Baltimore, Maryland.)


August 31, 2009 (BK-FWB)
SHINHAN BANK AMERICA
330 Fifth Avenue, New York, NY 10001

A “Certificate of Amendment of the Organization Certificate of Shinhan Bank America under Section 8005 of the Banking Law”, was approved and filed in the Office of the Superintendent of Banks. 

The amendment provides for an increase in the amount of capital stock from $62,999,965 consisting of 1,799,999 shares with a par value of $35.00 each, to $92,999,935 consisting of 2,657,141 shares with the same par value.


September 1, 2009 (TR-CRB)
BANK OF SMITHTOWN
One East Main Street, Smithtown, NY 11787

Authorization issued to open and occupy a branch office at 401 Glen Cove Road, East Hills, Nassau County, NY 11577, on or after September 2, 2009.


September 1, 2009 (SB-CRB)
ULSTER SAVINGS BANK
280 Wall Street, Kingston, NY 12401

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 1227 Main Street (Suite 201), Port Jefferson, Suffolk County, NY 11777.


September 1, 2009 (PF-LFS)
AFCO CREDIT CORPORATION
110 William Street, 29th Floor, New York, NY 10038

License rider issued to reflect a change of location to 14 Wall Street, Suite 8A-19, New York, NY 10005.


September 1, 2009 (PF-LFS)
AFCO PREMIUM CREDIT LLC
110 William Street, 29th Floor,  New York, NY 10038

License rider issued to reflect a change of location to 14 Wall Street, Suite 8A-19, New York, NY 10005.


September 2, 2009 (SB-CRB)
APPLE BANK FOR SAVINGS
1395 Northern Boulevard, Manhasset, NY 11030

Approval given to change the location of branch office from 88 Pine Street, Borough of Manhattan, City of New York 10005 to 80 Water Street, Borough of Manhattan, City of New York 10005, on or after September 3, 2009.


September 3, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
           
Notification received of the closing of representative offices at the following two locations, effective August 26, 2009 and August 27, 2009, respectively:

  1. Syracuse University, Office of Admissions, 201 Tolley Building, Syracuse, Onondaga County, NY 13244; and
  2. Cazenovia College, 22 Sullivan Street, Cazenovia, Madison County, NY 13035.

(This institution now periodically operates limited purpose branch offices at Syracuse University and Cazenovia College.)


Application to engage in the business of a Mortgage Banker under Article 12-D of the New York State Banking Law denied:

June 25, 2009 (MB-MBD)
Bergin Financial, Inc.
29200 Northwestern Highway, Suite 350, Southfield, MI 48034


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

August 27, 2009 (BR-MBD)
Rockville Mortgage Group, LLC
960 South Broadway, Suite 112, Hicksville, NY 11801
Effective Date: August 25, 2009

August 27, 2009 (BR-MBD)
Victoria Campos Corp. D/B/A Pronto Mortgages
1677 New York Avenue, Huntington Station, NY 11746 2406
Effective Date: August 24, 2009


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

September 01, 2009 (BR-MBD)
Full Service Branch
J.M. Capital Group LLC D/B/A Union Square Mortgage Group
300 Northern Boulevard, Suite 300, Great Neck, NY 11021
Effective Date: August 31, 2009

September 01, 2009 (BR-MBD)
Full Service Branch
J.M. Capital Group LLC D/B/A Union Square Mortgage Group
960 South Broadway, Hicksville, NY 11801
Effective Date: August 31, 2009


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

August 27, 2009 (BR-MBD)
Northway Funding, L.L.C.
3 McLaren Street, Saratoga Springs, NY 12866 2604

August 31, 2009 (BR-MBD)
Empire Capital Mortgage Corp.
101-05 120th Street, 2nd Floor Front, Richmond Hill, NY 11419

September 02, 2009 (BR-MBD)
Frontier Funding Group, LLC
306A Grooms Road, Clifton Park, NY 12065 3838

September 02, 2009 (BR-MBD)
Nicholas Palumbo DBA The Money Express
52 Harrigan Road, Hopewell Junction, NY 12533


Mortgage Broker Certificate Address Changes:

September 02, 2009 (BR-MBD)
Caran Properties, Inc.
From: 150 East 58th Street - 27th Floor, New York, NY 10155
To: 148 Madison Avenue, 8th Floor, New York, NY 10016 6700

September 02, 2009 (BR-MBD)
Union Home Funding Corp.
From: 134 North Avenue, Suite D, New Rochelle, NY 10801
To: 8 Memorial Highway, New Rochelle, NY 10801 6308

September 02, 2009 (BR-MBD)
Guardian First Funding Group, LLC
From: 1 Penn Plaza, Suite 629, New York, NY 10119
To: 1 Penn Plaza, Suite 1414, New York, NY 10119


Mortgage Banker Branch License Address Changes:

September 01, 2009 (MB-MBD)
Metrocities Mortgage, LLC D/B/A No Red Tape Mortgage
Additional DBA(S): TCF Mortgage Services
Loring Ward Mortgage Services
From: 200 B South Main Street, New City, NY 10956
To: 198 S. Main Street, New City, NY 10956


The following Mortgage Brokers are suspended effective August 26, 2009 for failure to maintain corporate surety bonds pursuant to Section 410.14 of Part 410 of the Superintendent's regulation.

Regency Financial Services & Investments, Inc.          
219-15 Merrick Boulevard, Laurelton, NY 11413

Kensington Financial Services LLC
535 East Crescent Avenue, Ramsey, NJ 07446

LFMG Mortgage In Lieu of True Name Liberty Financial Mortgage Group, Inc.
4080 McGinnis Ferry Road, Suite 1501, Alpharetta, GA 30005


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:

June  18 2008

7772

Rimpoo    Singh

Farmingdale

NY

June  30 2008

34085

Blake  Thomas  Shelton

Sachse

TX

July   22 2008

60132

Brandon Samuel Mitchell

Middle Grove

NY

July   31 2008

67341

Jonathan  Paul  Kaye

Seaford

NY

August 13 2008

71224

Kurt    Treiber

Williamsville

NY

August 13 2008

36862

Nikolai    Castillo

Irvine

CA

September 12 2008

27120

Joanne  Susan  Tolkach

Massapequa

NY

December  01 2008

89246

Brian  John  Mcnamara

Philadelphia

PA

February    20 2009

24624

Luis  Isidro  Guzman

Cranston

RI

April   03 2009

61981

Andrew    Datlo

Glen Head

NY

April   30 2009

74991

Matthew Jon  Sanderson

Columbus

OH

April   30 2009

91382

Brianna Renae  Workman

Blacklick

OH

April   30 2009

88071

John    Mohr

Lindenhurst

NY

May   27 2009

58813

Maureen  Diane  Ginter

Ballston Spa

NY

May   29 2009

29443

Robert Anthony  Diodato

New York

NY


THERE ARE NO SECTION III ITEMS THIS WEEK.