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New York State Department of Financial Services

Weekly Bulletin

April 6, 2012

SECTION I
This section records the receipt of applications and notices to the Banking Division of the Department of Financial Services.   Applications and notices received by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of receipt; applications and notices received by Mortgage Banking 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 DEPARTMENT.
Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the 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 Office of the General Counsel, New York State Department of Financial Services, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to Comments@dfs.ny.gov.This Weekly Bulletin may also be viewed online at the Department’s Web site at:  http://www.dfs.ny.gov

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

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 unit of the Department which has supervisory responsibility for the institution.  The following is a list of the codes and their meanings:


INSTITUTION CODES

BK

Bank

BP

Budget Planner

CC

Check Casher

CU

Credit Union

FA

Foreign Agency

FB

Foreign Branch

FR

Foreign Representative Office

HC

Holding Company

IC

Investment Company

LL

Licensed Lender

MK

Merchant Bank

MI

Miscellaneous

MB

Mortgage Banker

BR

Mortgage Broker

MS

Mortgage Servicer

PF

Premium Finance Agency

PB

Private Banker

SD

Safe Deposit Company

SF

Sales Finance Agency

SL

Savings and Loan Association

SB

Savings Bank

TM

Transmitter of Money

TR

Trust Company

REGULATORY UNIT CODES

CRB

Community and Regional Banks

CSD

Consumer Services

FWB

Foreign and Wholesale Banks

LFS

Licensed Financial Services

MBD

Mortgage Banking


SECTION l

April 2, 2012 (FR-FWB)
DOHA BANK
Corniche Street, West Bay, Doha, Qatar

Application for a license to establish and maintain a representative office at 100 Wall Street, Borough of Manhattan, City of New York, received.


April 2, 2012 (CC-LFS)
257 SHERIDAN BLVD. CORP., D/B/A INWOOD SERVICES, U/A/N BALDWIN EXPRESS
1747 Grand Avenue, Baldwin, NY 11510  

An application was received for a limited station casher of checks at Oceanview Nursing & Rehabilitation Center, 315 Beach 9th Street, Far Rockaway, NY 11691.

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 10 business days, by April 20, 2012.


April 3, 2012 (BK-CRB)
ALMA BANK
28-31 31st Street, Astoria, NY 11102

Application dated March 29, 2012 for permission to open and occupy a branch office at 4401 13th Avenue, Borough of Brooklyn, City of New York 11219, received.


April 4, 2012 (TR-CRB)
ISRAEL DISCOUNT BANK OF NEW YORK
511 Fifth Avenue, New York, NY 10017

Application dated April 3, 2012 for permission to change the location of branch office from 517 South Livingston Avenue, Livingston, Essex County, NJ 07039 to 150 John F. Kennedy Parkway, Short Hills, Essex County, NJ 07078, received.

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 25, 2009

20280

Adel Azmi Michael

Green Brook

NJ

July 22, 2011

424778

Cindy Gayle Schlussel

White Lake

MI

September 26, 2011

274337

Brooke Ann Marion

Plano

TX

November 14, 2011

332839

Elaine Marie Minton

Plainfield

IN

December 1, 2011

424733

Heather Rose Samet

Novi

MI

December 12, 2011

851361

Maria Amalia Arrua

Astoria

NY

December 21, 2011

380404

Robert William Cotton

Charlotte

NC

January 5, 2012

392845

Algernon Mark Bartell

West Bloomfield

MI

January 18, 2012

397606

Karen Lynn Kuula

Northville

MI

January 24, 2012

386116

Nancy  Lu

Brooklyn

NY

February 8, 2012

3774

Angelo  Feroce

Woodstock

CT

February 16, 2012

58817

Joseph Frank May

New City

NY

February 27, 2012

32270

Justin Christopher Frazier

Turnersville

NJ

March 7, 2012

50324

Ludwig Daniel Jean-Louis

Hempstead

NY

March 12, 2012

885151

Jamie  Aron-Bayof

Queens Village

NY

March 14, 2012

845675

Madeline Lucille Caminiti

Middle Village

NY

March 17, 2012

320732

Olga E Sanchez

Monmouth Jct

NJ

March 30, 2012

177057

Tim  Higgins

Maple Lawn

MD


SECTION II

January 12, 2012 (SF-LFS)
MH FINANCIAL SERVICES, LLC
150 North Wacker Drive, Suite 2800, Chicago, Cook County, IL 60606-1610

License to engage in business as a sales finance company was surrendered.


March 28, 2012 (FR-FWB)
BANCO DE SABADELL, S.A.
Placa de Sant Roc, 20, 08201 Sabadell, Barcelona, Spain

Application for a license to establish and maintain a representative office at 1 Rockefeller Plaza, Borough of Manhattan, City of New York 10022, approved.


March 28, 2012 (PF-LFS)
CANANWILL, INC. 
1000 North Milwaukee Avenue, Glenview, IL 60025

License to engage in business as a premium finance agency was surrendered.


March 30, 2012 (CC-LFS)
YORK STREET CHECK CASHERS, INC.
161 York Street, Brooklyn, NY 11201
License to engage in business as casher of checks at 161 York Street, Brooklyn, NY 11201 was surrendered.


April 2, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch office at 2-8 East Third Street, Jamestown, Chautauqua County, NY 14701 will not result in a significant reduction of banking services in the community to be affected.  (The applicant will continue to conduct certain non-retail activities at this location.)


April 2, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch offices at the following two locations will not result in significant reductions of banking services in the communities to be affected:

  1. 150 Central Avenue, Ilion, Herkimer County, NY 13357; and
  2. ShopRite Supermarket, 384 Windsor Highway, Town of New Windsor, Orange County, NY 12553.

April 2, 2012 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

Licenses were issued to engage in business as a licensed casher of checks as a result of the purchase of certain assets of P R Check Cashing, Inc. at the following locations:

  1. 2495 Third Avenue, Bronx, NY  10451
  2. 1901 Lexington Avenue, New York, NY 10035
  3. 747 East 132nd Street, Bronx, NY 10454.

In connection with the above license issuances, the original check casher licenses for the above locations were surrendered.


April 2, 2012 (FR-FWB)
THE CHUO MITSUI TRUST & BANKING CO., LTD
33-1, Shiba 3 chome, Minato-ku, Tokyo, Japan

Representative office located at 655 Third Avenue, New York, New York, 10017 voluntarily surrendered license on March 30, 2012.


April 2, 2012 (FB-FWB)
THE SUMITOMO TRUST AND BANKING COMPANY, LIMITED
Chiyoda-ku,Tokyo, Japan

Application, pursuant to Section 203.2 of the Banking Law, to change the name of its foreign branch, located at 527 Madison Avenue, New York, New York, 10022 from The Sumitomo Trust and Banking Company, Limited to Sumitomo Mitsui Trust Bank Limited, approved.


April 3, 2012 (MI-CRB)
FIRST HAWAIIAN BANK
999 Bishop Street, Honolulu, HI 96813

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office at 787 Seventh Avenue, Borough of Manhattan, City of New York 10019.


April 4, 2012 (CC-LFS)
P R CHECK CASHING, INC. 
335 East 143rd Street, Bronx, NY10454

License to engage in business as casher of checks at 335 East 143rd Street, Bronx, NY10454 was surrendered.


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

From:
December 28, 2011 (MB-MBD)

Applicant(s)
Jeffrey Alan Ishbia
Abdul Karium Rahal
Katherine Louise Welty
Mathew Randall Ishbia
Justin Ryan Ishbia
Harreld N. Kirkpatrick
Michael Augustus Jones
Michael Herbert Kaysen
Amer Allen Beydoun
As: Shore Financial Services, Inc.
770 South Adams Road, #300, Birmingham, MI 48009 6949

To:
April 4, 2012 (MB-MBD)

Applicant(s)
Jeffrey Alan Ishbia
Abdul Karium Rahal
Katherine Louise Welty
Harreld N. Kirkpatrick III
Michael Augustus Jones
Michael Herbert Kaysen
Amer Allen Beydoun
Kirkpatrick Capital Partners Fund I, L.P.
SFS Holding Corp.

As: United Shore Financial Services, LLC
770 S. Adams Road, #300, Birmingham, MI 48009


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

April 03, 2012 (BR-MBD)
Clayton Financial Group Inc.
662 Myrtle Avenue, Unit 4, Brooklyn, NY 11205 3932


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

March 29, 2012 (BR-MBD)
Heino Funding Company
2401 Avenue U, Brooklyn, NY 11229
Effective Date: March 28, 2012


Mortgage Banker License Name Changes:

March 29, 2012 (MB-MBD)
From: Flaherty Funding Corporation
To: FFC Mortgage Corp.


Mortgage Broker Certificate Address Changes:

April 03, 2012 (BR-MBD)
Independent Funding Service Inc.
From: 3854 North Buffalo, Orchard Park, NY 14127
To: 3085 Southwestern Boulevard, Suite 106, Orchard Park, NY 14127 1234

April 03, 2012 (BR-MBD)
Oxford Financial Services, Inc.
From: 184 Rivervale Road, Suite 1, Rivervale, NJ 07675
To: 245 Old Hook Road, Suite 2B, Westwood, NJ 07675 3174


The following Registered Mortgage Broker has entered into a Settlement Agreement with the Department in lieu of a hearing for a fine or revocation of its mortgage broker registration, to settle violations of Section 38.2(e) of the General Regulation of the Banking Board ("GRBB")  with respect to various advertising violations.  The Settlement Agreement terms and conditions include a fine of $7,500.

March 29, 2012 (BR-MBD)
R.B.I. Associates, Ltd.
1888 Bellmore Avenue, Bellmore, NY 11710 1632


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 residential property:

Date Withdrawn

Subject id

Name

City

State

May 9, 2011

198451

Michael  Dooley

Haddonfield

NJ

May 18, 2011

7500

Nexar Ricardo Cedeno

East Meadow

NY

May 18, 2011

7321

Anthony James Cutrone

Yorktown Heights

NY

May 20, 2011

42206

Leontay L. Bennett

Louisville

KY

May 20, 2011

23281

Judith Anne Chamberlain

Schuylerville

NY

May 20, 2011

31249

Russell Ivan Siler

Roseville

MI

December 2, 2011

187549

Kevin  Ebbecke

Ronkonkoma

NY

December 2, 2011

70143

James John Beamer

Amherst

NY

December 2, 2011

68857

David  Barrett

East Northport

NY

December 2, 2011

186350

Khosrow D Ghazi

Mastic

NY

April 2, 2012

266861

Joseph Varela Hernandez Jr.

Scottsdale

AZ

April 2, 2012

713792

Paul Dalton Salisbury

Chandler

AZ

April 2, 2012

837749

Benjamin Aaron Mueller

Auburn Hills

MI

April 2, 2012

386076

Brian William Osborn

Orange

CA

April 3, 2012

46583

Donald  Rowland

Cohoes

NY

April 4, 2012

375728

Gaetano  Dibella

Troy

MI

April 4, 2012

134617

James Austin Watson

Norristown

PA

April 4, 2012

813558

Kevin Frederick Coates

Roseville

MI

April 4, 2012

399023

Jon Delaney Singletary

Jacksonville

FL

April 5, 2012

375882

Kenneth Michael Moore

Cleveland

OH

April 5, 2012

385457

Meghan Elizabeth Rooney

Cleveland

OH

April 5, 2012

196831

Donald Paul Adams Sr

Selden

NY

April 5, 2012

314749

Benjamin Wade Law

Carrollton

TX


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

Approved Date

NMLS

Name

City

State

Sponsor

March 3, 2012

176333

Jason Matthew Farris

Huntington Beach

CA

Carrington Mortgage Services, LLC

March 3, 2012

68310

Elizabeth Angela Bornstein

Allen

TX

Nationstar Mortgage LLC

March 28, 2012

441840

Cheryl A. Hess

Scotia

NY

Homestead Funding Corp.

March 29, 2012

375832

Molly  Kamensky

Jacksonville

FL

PHH Mortgage Corporation

March 29, 2012

613078

Matthew Brian Bowler

Jacksonville Beach

FL

PHH Mortgage Corporation

March 29, 2012

90513

Kenneth Simon Goffstein

Teaneck

NJ

Fairway Independent Mortgage Corporation

March 29, 2012

148759

Vince D Cooper

Tampa

FL

Residential Finance Corporation

March 29, 2012

21391

Arthur Jeffrey Pebenito

Jacksonville

FL

PHH Mortgage Corporation

March 29, 2012

63034

Matthew Mark Horner

Nyack

NY

Equity Now Inc.

March 29, 2012

353204

Thomas Henry Zehner

Middle Island

NY

WMN Services Incorporated

March 29, 2012

839437

Virginia Grace Donovan

Point Lookout

NY

Industrial Credit of Canada, LTD

March 29, 2012

825720

Paul Tyrus Banks Sr

Melvindale

MI

Quicken Loans Inc.

March 30, 2012

847779

Jessica Viola Rosics

Lewisville

TX

Nationstar Mortgage LLC

March 30, 2012

827023

Zachary Vincent Causer

Phoenix

AZ

Quicken Loans Inc.

March 30, 2012

306688

Harold W Gannon Jr

Collegeville

PA

Home Finance of America, Inc.

March 30, 2012

217954

Gardner Chace Lane

Westport

MA

Guaranteed Rate, Inc.

March 30, 2012

273834

Riki Chikara Oshima

Torrance

CA

Carrington Mortgage Services, LLC

March 30, 2012

180247

Michael Edward Lorence

Mantua

NJ

PHH Mortgage Corporation

March 30, 2012

363833

Albert Lee Lovato Jr

Phoenix

AZ

Quicken Loans Inc.

March 30, 2012

713799

Michael Gordon Mcdonald

Phoenix

AZ

Quicken Loans Inc.

March 30, 2012

339926

Wei  Shi

Trenton

NJ

Portico Mortgage Inc.

March 30, 2012

493363

Christina Marie Shihadeh

Olmsted Falls

OH

Quicken Loans Inc.

March 30, 2012

838715

Bartlomiej  Strecker

Sterling Heights

MI

Quicken Loans Inc.

March 30, 2012

836599

Daniel Andrew Scudieri

Mahopac

NY

Warshaw Capital, LLC

March 30, 2012

397599

Basem Muhamad Elayan

Dearborn Heights

MI

Quicken Loans Inc.

March 30, 2012

315878

Allan Anthony Buniak Jr

Conshohocken

PA

New Penn Financial, LLC

March 30, 2012

292821

Matthew Joseph Bednorek

Novi

MI

Quicken Loans Inc.

March 30, 2012

131679

Trevor  Dalling

Mount Vernon

NY

Dalco Financial Services, Inc.

March 30, 2012

117123

Randall A Drzewicki

Las Vegas

NV

All Western Mortgage, Inc.

March 30, 2012

827007

Eric Alan Sailor

Twinsburg

OH

Quicken Loans Inc.

March 30, 2012

191400

Richard James Doran

Ringwood

NJ

Real Estate Mortgage Network, Inc.

March 30, 2012

613162

Roxanne Denise House

St Augustine

FL

PHH Mortgage Corporation

March 30, 2012

827016

Jonathan Emmanuel Mcintosh

Gilbert

AZ

Quicken Loans Inc.

March 30, 2012

826601

Adam John Offerman

Canton

MI

Quicken Loans Inc.

March 30, 2012

348279

Jose Alvaro Antonio Monteza

Jacksonville

FL

PHH Mortgage Corporation

March 30, 2012

297919

Patrick O'Shaughnessy Flanner

Harrisonville

MO

New Day Financial, LLC

March 30, 2012

159766

Kevin J Caruana

Laguna Niguel

CA

Carrington Mortgage Services, LLC

March 30, 2012

867558

Brocha  Florans

Passaic

NJ

Meridian Residential Capital, LLC

March 30, 2012

863373

Michael Joseph Blass

Maplecrest

NY

Northeast Funding Services, Inc.

March 30, 2012

129861

Ronald Joseph Miles

Westminster

MD

Meridian Home Mortgage Corporation

March 30, 2012

775156

Filemon Alexander Barba Iii

Royal Oak

MI

Quicken Loans Inc.

March 30, 2012

791982

Terrence  Butler

Waldorf

MD

New Day Financial, LLC

March 30, 2012

375897

Kimberly Jean Shymske

Brunswick

OH

Quicken Loans Inc.

March 30, 2012

43951

Kevin Louis Blaney

Long Beach

NY

Contour Mortgage Corporation

March 30, 2012

181877

Ji Hae Kim

North Wales

PA

GMAC Mortgage, LLC

March 30, 2012

254246

Danny Ricardo Hublall

Hollis

NY

Mortgage World Bankers, Inc

March 30, 2012

383875

Hongyu  Guo

Fresh Meadows

NY

State Farm Bank, F.S.B.

March 30, 2012

821094

Eric Adam Arnold

Dallas

TX

Nationstar Mortgage LLC

March 30, 2012

53926

Maria Concetta Nadoraski

Latham

NY

Homestead Funding Corp.

March 30, 2012

50902

Merri Carol Cook

Rhinebeck

NY

Homestead Funding Corp.

March 30, 2012

91537

Joseph Manuel Rodriguez

Springfield

NJ

Mortgage Capital Associates, Inc.

March 30, 2012

326576

Monica  Lai

Flushing

NY

Hyton Financial and Investment Group Ltd

March 30, 2012

677491

Erik  Schroeher

Coram

NY

Mid-Island Mortgage Corp.

April 2, 2012

414708

Susan  Quigley

Garden City

NY

The Mortgage Advantage Corp.

April 3, 2012

30074

Robert Ritchie Dobson Iv

Cave Creek

AZ

Quicken Loans Inc.

April 3, 2012

27484

Joseph Vincent Kustra

Novi

MI

Quicken Loans Inc.

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