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Weekly Bulletin
August 26, 2011

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.

NOTE

The Weekly Bulletin formerly gave notice, in Section III, of applications filed by federally-chartered institutions (banks and thrifts) for new branches to be located in New York received from the Office of the Comptroller of the Currency or The Office of Thrift Supervision (now part of the OCC).  Because the OCC no longer routinely sends copies of such applications to the Department, the Department has discontinued Section III.  Such information is available on the website of the OCC at http://www.occ.treas.gov/tools-forms/tools/licensing/weekly-bulletin-corp-apps-search.html(Searches may only be done on a state by state basis, and the results show applications of banks headquartered in that state.  Thus, to find information about New York branch proposals by federally-chartered institutions headquartered in other states, it is necessary to search the headquarters state.)

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
PF = 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 l

August 15, 2011 (FR-FWB)
RAIFFEISEN BANK INTERNATIONAL AG
Am Stadtpark 9, A-1030, Vienna, Austria

Application for a license to establish and maintain a representative office at 1133 Avenue of the Americas, Borough of Manhattan, City of New York 10036, received.

The comment period will expire on September 26, 2011.


August 19, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close branch office in the parking lot of Summit Park Mall, 6929 Williams Road, Town of Wheatfield, Niagara County, NY 14304, received.

The comment period on this notice will expire September 26, 2011.


August 22, 2011 (BP-LFS)
CREDIT CARD MANAGEMENT SERVICES, INC. D/B/A DEBTHELPER.COM
4611 Okeechobee Blvd., Suite 114, West Palm Beach, Palm Beach County, FL 33417

An application was received for a license to engage in business as a licensed budget planner at 4611 Okeechobee Blvd., Suite 114, West Palm Beach, Palm Beach County, FL 33417.

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.


August 24, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated August 22, 2011 for permission to open and occupy a branch office at Bloomsburg University of Pennsylvania, 400 East 2nd Street, Town of Bloomsburg, Columbia County, PA 17815 for the limited purpose of opening accounts, received.

(This branch is to be in operation periodically at this location.)


August 24, 2011 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY  11385

Applications dated August 22, 2011 for permission to open and occupy branch offices at the following five locations, received:

  1. The Atria of Lynbrook, 100 Peninsula Boulevard, Lynbrook, Nassau County, NY 11563;
  2. The Bristal at East Northport, 760 Larkfield Road, East Northport, Town of Huntington, Suffolk County, NY 11731;
  3. Belmont Villas, 409 Wyandanch Avenue, West Babylon, Town of Babylon, Suffolk County, NY 11704;
  4. Pinehurst, 3000 Brookwood Circle, East Patchogue, Town of Brookhaven, Suffolk County, NY 11772; and
  5. Conifer Village, 1 Brookwood Lane, East Patchogue, Town of Brookhaven, Suffolk County, NY 11772.

(These locations are to be serviced by a mobile branch facility on a periodic basis.)


August 24, 2011 (TR-CRB)
AMERICAN STOCK TRANSFER & TRUST COMPANY, LLC
59 Maiden Lane, New York, NY 10038

Application dated August 22, 2011 for permission to change the location of principal office from 59 Maiden Lane, Borough of Manhattan, City of New York 10038 to 110 Wall Street, Borough of Manhattan, City of New York 10005, received.


August 26, 2011 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC U/A/N THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

An application was received for a license to engage in business as a licensed casher of checks in connection with the purchase of certain assets of R & M Check Cashing Corp. at 25 Willoughby Street, Brooklyn, NY  11201.

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 comments or objections should be submitted in writing, within ten business days, by September12, 2011.


August 26, 2011 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC U/A/N THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

Applications were received for licenses to engage in business as a licensed casher of checks in connection with the purchase of certain assets of Check Busters Financial Services, Inc. at the following locations:

  1. 108-08 Guy R. Brewer Boulevard, Jamaica, NY  11433
  2. 119-07 Jamaica Avenue, Richmond Hill, NY 11419

The publication of receipt of these applications does not indicate that the applications are 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 comments or objections should be submitted in writing, within ten business days, by September 12, 2011.


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

August 24, 2011 (BR-MBD)
Full Service Branch
Customized Mortgage Solutions, LLC
25 Smith Street, Suite 204, Nanuet, NY 10954


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

August 24, 2011 (MB-MBD)
Full Service Branch
Superior Home Mortgage In Lieu of True Name Superior Mortgage Corp.
14 Main Street, Suite 201, Madison, NJ 07940

August 24, 2011 (MB-MBD)
Full Service Branch
Meadowbrook Financial Mortgage Bankers Corp.
2016 Grand Avenue, Suite 106, Baldwin, NY 11510

August 24, 2011 (MB-MBD)
Full Service Branch
RFC Mortgage In Lieu of True Name Residential Finance Corporation
27 Washington Street, Suite 10, Toms River, NJ 08753

August 24, 2011 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
1900 Highway 35, Oakhurst, NJ 07755

August 24, 2011 (MB-MBD)
Full Service Branch
Reliance First Capital, LLC
14120 Ballantyne Corporate Place, Suite 200, Charlotte, NC 28277

August 24, 2011 (MB-MBD)
Full Service Branch
Meridian Residential Capital LLC D/B/A First Meridian Mortgage
Additional DBA(S): Trump Financial
36-51 Bell Boulevard, Suite 205, Bayside, NY 11361


Article 12-E Applications received. Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing.   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.

Date of Application

NMLS ID

Name of Applicant

City & State of Residence

July 1, 2008

68189

Matthew  John  Huling

Port Gibson

NY

May 23, 2011

40144

Vincent  F  Gallipoli

Middletown

NY

June 21, 2011

180005

Matthew  Arik  Stoffer

Scottsdale

AZ

July 5, 2011

654271

James  E  Bannon  Jr

Coram

NY

July 6, 2011

65302

Sharlene  Ann  Nally

West Henrietta

NY

July 7, 2011

8952

Samuel  Peter  Lamparello

Watchung

NJ

 


SECTION II

June 23, 2011 (IC-FWB)
AIG FINANCE HOLDINGS, INC.
70 Pine Street, New York, NY 10270

Final Order and Judgment of Dissolution entered in the Supreme Court of the State of New York, County of New York, on June 23, 2011 in compliance with Section 605 of the Banking Law, dissolving AIG Finance Holdings, Inc., New York and terminating its corporate existence.


August 2, 2011 (CC-LFS)
ROEBLING CHECK CASHING CORP. 
224 Broadway, Brooklyn, NY 11211

License to engage in business as casher of checks at 381 Metropolitan Avenue, Brooklyn, NY 11211 was surrendered.


August 18, 2011 (FB-FWB)
BNP PARIBAS
16, Boulevard des Italiens - 75009 Paris, France

The Department poses no objection to BNP Paribas’s establishing and maintaining an additional branch at 51 W. 52nd Street, Borough of Manhattan, City of New York 10019.


August 18, 2011 (CC-LFS)
RIDGE CHECK CASHING CORP. 
63 Flatbush Avenue, Brooklyn, NY 11217

Licenses to engage in the business of casher of checks surrendered for the following locations:

  • 775 Fulton Street, Brooklyn, NY 11217
  • 7510 Third Avenue, Brooklyn, NY 11209

August 19, 2011 (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 electronic facilities (automated teller machines) at the following two locations:

  1. Shoppers Food & Pharmacy, 3301 North Ridge Road, Ellicott City, Howard County, MD 21043; and
  2. Sheetz Inc. Convenience Store, 3299 Ritner Highway, West Pennsboro Township, Cumberland County, PA 17241.

August 19, 2011 (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 electronic facilities (automated teller machines) at the following five locations:

  1. Sheetz Inc. Convenience Store, 1405-1407 Old Concord Road, Salisbury, Rowan County, NC 28146;
  2. Sheetz Inc. Convenience Store, 1710 Ruin Creek Road, Henderson, Vance County, NC 27536;
  3. Sheetz Inc. Convenience Store, 10206 South Main Street, Archdale, Randolph County, NC 27263;
  4. Sheetz Inc. Convenience Store, 810 Ritter Drive, Beaver, Raleigh County, WV 25813; and
  5. Sheetz Inc. Convenience Store, 85 West Wellsboro Street, Mansfield, Tioga County, PA 16933.

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

August 23, 2011 (BR-MBD)
LMB Mortgage Services, Inc.
6701 Center Drive West, Suite 300, Los Angeles, CA 90045 1558


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

August 23, 2011 (MB-MBD)
Full Service Branch
Syracuse Securities, Inc.
3 Franklin Square, Suite 4, Saratoga Springs, NY 12866


Certificate issued to engage in the business as a Mortgage Loan Servicer branch under Article 12-D of the New York State Banking Law:

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
5045 East Landon Drive, Anaheim, CA  92807

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
3435 Wilshire Boulevard, Los Angeles, CA  90010

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
500 Noblestown Road, Suite 101, Carnegie, PA  15106

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
1235 North Dutton Avenue, Suite E, Santa Rosa, CA  95401

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
150 North Martingale Road, Suite 850, Schaumburg, IL  60173

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
11150 West Olympic Boulevard, Suite 850, Los Angeles, CA  90064

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
5353 Mission Center Road, Suite 222, San Diego, CA  92108

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
11 South LaSalle Street, Suite 2150, Chicago, IL  60602

August 23, 2011 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
3701 Algonquin Road, Suite 360, Rolling Meadows, IL  60008


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

August 22, 2011 (BR-MBD)
Judy M Johnson
473 18th Street, Brooklyn, NY 11215
Effective Date: August 12, 2011

August 22, 2011 (BR-MBD)
RFS Financial Corp.
114 East 13th Street, New York, NY 10003
Effective Date: August 12, 2011

August 22, 2011 (BR-MBD)
Royal Mortgage Services, Corp.
266 Jericho Turnpike, Suite G, Floral Park, NY 11001 2154
Effective Date: August 17, 2011

August 22, 2011 (BR-MBD)
G M I Funding In Lieu of True Name G M I Home Loans, LLC
195 Route 9 South, Suite 109-111, Manalapan, NJ 07726
Effective Date: August 12, 2011

August 22, 2011 (BR-MBD)
Smart Funding Corp.
1809 East Dyer Road, #301, Santa Ana, CA 92705
Effective Date: August 18, 2011

August 23, 2011 (BR-MBD)
LowerMyBills, Inc.
6701 Center Drive West, Suite 300, Los Angeles, CA 90045 1558
Effective Date: August 23, 2011

August 24, 2011 (BR-MBD)
Advanced Funding Solutions, Inc.
926 Sunrise Highway, West Babylon, NY 11704 6107
Effective Date: August 09, 2011


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

August 22, 2011 (BR-MBD)
Full Service Branch
G M I Funding In Lieu of True Name G M I Home Loans, LLC
60 Broad Street, Suite 100, Red Bank, NJ 07701
Effective Date: August 12, 2011


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

August 22, 2011 (MB-MBD)
Full Service Branch
Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
Additional DBA(S): Presidents First Mortgage Bankers
Senior Funding Group
60 Main Street, Suite 100, Hamburg, NY 14075
Effective Date: July 27, 2011

August 24, 2011 (MB-MBD)
Full Service Branch
Home Loan Center, Inc.
11115 Rushmore Drive, Suite 200, Charlotte, NC 28277
Effective Date: August 23, 2011


Subsequent to a hearing conducted on June 9, 2011, the following company's mortgage broker registration was revoked on August 10, 2011. The Superintendent found that substantial evidence had been adduced that the Respondent, a mortgage broker violated the provisions of Sections 591-a of the New York Banking Law and Part 410.14 of the Superintendent's Regulations for failure to maintain a corporate surety bond.

August 10, 2011(MB-MBD)
Your Home Funding, Inc.
515 Johnson Avenue, Suite 101, Bohemia, NY 11716


The following Mortgage Broker was suspended effective August 19, 2011, for failure to maintain a Corporate Surety Bond in violation of Section 410.14 of Part 410 of the Superintendent's Regulations.

August 19, 2011(MB-MBD)
Astor Funding, LTD.
185-28 Union Turnpike, Fresh Meadows, NY 11366


Mortgage Broker Certificate Address Changes:

August 23, 2011 (BR-MBD)
Cut My Rate LLC
From: 1634 Center Avenue, Fort Lee, NJ 07024
To: Park 80 West Plz II, 250 Pehle Ave., Suite 200-2, Saddle Brook, NJ 07663


Mortgage Banker License Address Changes:

August 24, 2011 (MB-MBD)
Green Tree Credit LLC
From: Landmark Towers, 345 Saint Peter Street, Ste 300, St. Paul, MN 55102
To: 300 Landmark Towers, 345 Saint Peter Street, St. Paul, MN 55102


Mortgage Banker Branch License Address Changes:

August 23, 2011 (MB-MBD)
Real Estate Mortgage Network, Inc. D/B/A Menlo Park Funding
From: 2520 Highway 35, Suite 207, Manasquan, NJ 08736

To: 16 Madison Avenue, 2nd Floor, Suite 2D, Toms River, NJ 08753

Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York State Banking Law.

Date of Approval

NMLS ID

Name of Applicant

City & State of Residence

Sponsoring Entity

August 19, 2011

103557

Mikhail Titiyevsky

Brooklyn

NY

FRANKLIN FIRST FINANCIAL, LTD.

August 19, 2011

128782

Joseph Andrew Sovare II

Vernon

NY

COMMONFUND MORTGAGE CORP.

August 23, 2011

157992

Raymond Rahamatulla

Bellemore

NY

WALL STREET MORTGAGE BANKERS, LTD.


The following application published in Weekly Bulletin dated July 29, 2011 is amended to read as follows:
Article 12-E Applications received. Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing.   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.

Date of Application

NMLS ID

Name of Applicant

City & State of Residence

June 26,  2008

27923

Matthew    Muskan

Macomb

MI


Applications for licensing 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:

Date Application Withdrawn

NMLS ID

Name of Applicant

City & State of Residence

May 6, 2009

67607

Lars    Lerner

Glen Head

NY

July 20, 2009

67124

James    Galligan

Denver

CO

October 2, 2010

66668

Fatmir  Fred  Alka

Wolcott Ct

CT

October 2, 2010

66679

Lisa  J.   Aflalo

Elizabeth

NJ

October 2, 2010

66623

Rigoberto    Aguilar

Congers

NY

October 2, 2010

67455

Damian  J  Aiello

Deer Park

NY

October 2, 2010

67754

Suzana     Abdulai

East Brunswick

NJ

October 2, 2010

85858

Kurt    Amaya

Massapequa

NY

October 4, 2010

50688

Andrea  L  Antolino

Princeton

NJ

October 4, 2010

65324

Craig    Antonucci

Oceanside

NY

October 4, 2010

71820

Nicolo   Joseph  Angiolillo

New York

NY

October 5, 2010

57735

Abraham  Victor  Apter

Monsey

NY

October 5, 2010

65494

Kris  Joel  Aroche

Baldwin

NY

October 5, 2010

61701

David    Avidon

Muttontown

NY

October 5, 2010

62573

Syed    Ashraf

Mahwah

NJ

October 5, 2010

86985

Emerson    Atkins

Brooklyn

NY

October 5, 2010

67420

Denise    Aversa

Pleasantville

NY

October 7, 2010

51644

Constance  Ann  Begelfer

New York

NY

October 7, 2010

61168

Najia    Bendoumalikhan

Oceanside

NY

October 7, 2010

53432

Angelica    Beitia

Little Neck

NY

October 7, 2010

65312

Amir    Ben-Haim

Jamaica Estates

NY

October 7, 2010

68220

Sean  Vincent  Beatty

Lindenhurst

NY

October 13, 2010

42031

William  Robert  Wanek

Oceanside

NY

October 14, 2010

51202

Israel    Roditi

Brooklyn

NY

October 14, 2010

58233

Naomi    Rokeach

Brooklyn

NY

October 14, 2010

56645

Alfonso    Rodriguez

Clifton

NJ

October 14, 2010

67955

Javier    Rojas

Yonkers

NY

October 19, 2010

64374

Christopher  Matthew  Di Girolamo

East Rutherford

NJ

October 19, 2010

67217

Justin  Thomas  Kurzynowski

Toms River

NJ

October 20, 2010

54013

David     Trillo

Rancho Murieta

CA

October 20, 2010

62641

Kevin  Allan  Oto

Sacramento

CA

October 20, 2010

70051

Alexandre    Senderov

Trevose

PA

October 20, 2010

60331

Maria    Paquette

Staten Island

NY

October 26, 2010

62257

Abraham    Gluck

Brooklyn

NY

October 28, 2010

80257

Shirley  A  Valdes

Staten Island

NY

November 2, 2010

58291

Flakewood    Tucker  Jr.

Marlton

NJ

November 3, 2010

62992

Yvonne  G.  Santiago

Brooklyn

NY

November 9, 2010

87662

Jedediah  L  Hardman

Lehi

UT

December 17, 2010

65311

Loren  George  Meale

Avon

NY

December 20, 2010

78839

Micheal  Steven  Kirkland

Knoxville

TN

March 8, 2011

76356

Jason    Butler

Rock Hill

SC

August 23, 2011

33222

Valeriy    Berlyand

Hewlett

NY

August 23, 2011

270615

Eugene  Paul  Weisbrod

River Vale

NJ

August 24, 2011

90400

James    Lowe  Jr

Baldwin

NY

December 17, 2011

63743

Mordechai    Clapman

Far Rockaway

NY