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New York State Department of Financial Services

Banking Division
Weekly Bulletin

February 1, 2013

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

For information on CRA applications and notices, please select this link.

SECTION II

This section 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

MB

Mortgage Banker

BP

Budget Planner

BR

Mortgage Broker

CC

Check Casher

MLS

Mortgage Servicer

CU

Credit Union

PF

Premium Finance Agency

FA

Foreign Agency

PB

Private Banker

FB

Foreign Branch

SD

Safe Deposit Company

FR

Foreign Representative Office

SF

Sales Finance Agency

HC

Holding Company

SL

Savings and Loan Association

IC

Investment Company

SB

Savings Bank

LL

Licensed Lender

TM

Transmitter of Money

MK

Merchant Bank

TR

Trust Company

MI

Miscellaneous

 

 

Regulatory Unit Codes

CRB

Community and Regional Banks

CSD

Consumer Services

FWB

Foreign and Wholesale Banks

LFS

Licensed Financial Services

MBD

Mortgage Banking


SECTION I

January 28, 2013 (BP-LFS)
DEBT REDUCTION SERVICES, INC.
6213 N. Cloverdale Road, Suite 100, Boise, Ada County, Idaho 83713.

Notification was received of branch office relocation to 3920 Veterans Highway, Suite 10, Bohemia, Suffolk County, NY 11716 from 1 Corporate Drive, Suite 104, Bohemia, Suffolk County, NY 11716.

The publication of receipt of this application 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 applicant.


January 28, 2013 (BP-LFS)
NATIONAL BUDGET PLANNERS OF SOUTH FLORIDA, INC.
350 Sonic Avenue, 2nd Floor, Livermore, Alameda County, CA 94551

An application was received for a license to engage in business as a licensed budget planner at 350 Sonic Avenue, 2nd Floor, Livermore, Alameda County, CA 94551.

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.


January 29, 2013 (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 three locations, received:

  1. Rutter's Farm Store, 3849 Hempland Road, West Hempfield Township, Lancaster County, PA 17554;
  2. Sheetz Inc. Convenience Store, 1700 East Market Street, Town of Smithfield, Johnston County, NC 27577; and

  3. Sheetz Inc. Convenience Store, 1400 NC Highway 66 South, Town of Kernersville, Forsyth County, NC 27284.


January 29, 2013 (BK-CRB)
CATSKILL HUDSON BANK
4438 Route 42 North, Thompson, NY 12701

Notice of intention to close branch office at 29 Main Street, Livingston Manor, Town of Rockland, Sullivan County, NY 12758, received.

The comment period on this notice will expire March 4, 2013.


January 30, 2013 (TM-LFS)
WESTERN UNION BUSINESS SOLUTIONS (USA), LLC
1152 15th Street NW, 7th Floor, Washington, DC 20005

Notification of a change of name from Travelex Global Business Payments, Inc., to Western Union Business Solutions (USA), LLC and the conversion from a Delaware corporation to a Delaware limited liability company, received.

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


January 30, 2013 (TM-LFS)
RUESCH HOLDING, LLC
3500 South Dupont Highway, Dover, DE 19901

Notification of an entity conversion from Ruesch Holding, Inc., a Delaware corporation to Ruesch Holding, LLC, a Delaware limited liability company, received.

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


January 30, 2013 (LL-LFS)
MARINER FINANCE, LLC 
3301 Boston Street, #201 Baltimore, MD 21224

Application received for the change of control of Mariner Finance, LLC, to reflect the transfer of 91.88% of company stock to WP Raven Acquisition, LLC.     

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 licensee.


January 30, 2013 (TM-LFS)
CAMBRIDGE MERCANTILE CORP. (U.S.A.)
902 Carnegie Center, Suite 340, Princeton, NJ 08540

Notification received for a change of office location from 902 Carnegie Center, Suite 340, Princeton NJ 08540 to 1359 Broadway, Suite 801, New York, NY 10018.

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


January 31, 2013 (LL-LFS)
FUNDATION, INC.
226 West 47th Street, 5th Floor, New York, NY 10036

Application for a license to engage in business as a licensed lender, received.

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.


January 31, 2013 (SB-CRB)
NEW YORK COMMUNITY BANK
136-65 Roosevelt Avenue, Flushing, NY 11354

Application dated January 30, 2013 for permission to open and occupy a branch office at 4419-4421 13th Avenue, Borough of Brooklyn, City of New York 11219, received.


February 1, 2013 (FR-FWB)
RBC INVESTOR SERVICES BANK S.A.
14, Porte de France, L-4360 Esch-sur-Alzette,  Grand Duchy of Luxembourg

Application for a license to establish and maintain a representative office in the Borough of Manhattan, City of New York, 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

May 9, 2012

460197

Salvatore M Moschitta

Tinton Falls

NJ

August 28, 2012

216178

Timothy A. Maxwell

Piscataway

NJ

September 14, 2012

108924

Carrie Sue Allen

Parker

CO

October 3, 2012

113414

Robert  Falzone

Manhasset

NY

October 11, 2012

906174

Michael Anthony Palermo Sr.

West Babylon

NY

October 19, 2012

938498

Brian E Sternemann

Manhasset

NY

November 7, 2012

974205

Mary Anne Keeler

Manlius

NY

November 16, 2012

67277

Kenneth Roy Kalstein

Woodbury

NY

December 21, 2012

312760

Ali Hussein Hammoud

Dearborn

MI

December 26, 2012

356354

Bonnie Jean Olt

Marlton

NJ

December 27, 2012

422697

Jackson David Robert

Port Chester

NY

December 27, 2012

584239

Bianca Kindell Eades

Southfield

MI

December 27, 2012

826806

Thomas Aloysius Clark

Saint Clair Shores

MI

December 28, 2012

813617

Megan Ann Walker

Detroit

MI

December 28, 2012

980299

Eric Lee Stone

Jacksonville

FL

December 28, 2012

968975

Mirela  Tricic

Jacksonville

FL

December 28, 2012

939614

Samuel Colton Sloan

Jacksonville Beach

FL

December 31, 2012

970892

Brendan Patrick Cunningham

Royal Oak

MI

December 31, 2012

7058

Leslie  McKevitt

East Northport

NY

January 2, 2013

993520

Christopher Paul Gilbert

St. Johns

FL

January 2, 2013

690896

Timothy P Keehan

East Greenbush

NY

January 2, 2013

949814

Mohamed Tarek Hussein

New York

NY

January 3, 2013

990920

Jerod Cullen West

Fort Worth

TX

January 3, 2013

27555

Byron Christopher Pugh

Scottsdale

AZ

January 3, 2013

881592

Steven Habib Abounader

Highland Heights

OH

January 3, 2013

992647

Philip Charles Rorabaugh

Jacksonville

FL

January 3, 2013

154123

Yana Valerie Diehl

Plymouth Meeting

PA

January 3, 2013

872140

Steven Lawrence Ording

Detroit

MI

January 3, 2013

993542

Patrick Michael Decker

Jacksonville

FL

January 4, 2013

992654

Michael Thomas Wiles

Jacksonville

FL

January 4, 2013

992910

Theodore Alan Harkness

St.Johns

FL

January 4, 2013

992669

Kevin Roger Wiegmann

Jacksonville

FL

January 4, 2013

949127

Eric Wesley Livingston

Delaware

OH

January 4, 2013

993656

Frederic Downing Slayton

Jacksonville

FL

January 4, 2013

984052

Robert Hugh Casey

West Warwick

RI

January 4, 2013

992649

Leah Marie Hatcher

Jacksonville

FL

January 7, 2013

409613

Renee Tina Jo Short

Pearl River

NY

January 29, 2013

974205

Mary Anne Keeler

Manlius

NY


SECTION II

January 22, 2013 (SF-LFS)
CLEARWATER CREDIT COMPANY, LLC
3817 West Henrietta Road, Rochester, Monroe County, NY  14623

Application for a change of control of 25% of Clearwater Credit Company, LLC located at 3817 West Henrietta Road, Rochester, Monroe County, NY 14623, was approved by the Superintendent of Banks.


January 24, 2013 (TM-LFS)
WORLD FIRST USA, INC.
2800 Crystal Drive, Suite 310, Arlington, VA 22202.

Notification of a change of office location from 12 Desbrosses Street, New York, NY 10013 to 2800 Crystal Drive, Suite 310, Arlington, VA 22202 was approved.


January 29, 2013 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to Continue Business, approved and filed.


January 30, 2013 (BK-CRB)
ALMA BANK
28-31 31st Street, Astoria, NY 11102

Authorization issued to open and occupy a branch office at 822 Port Washington Boulevard, Port Washington, Town of North Hempstead, Nassau County, NY 11050, on or after January 31, 2013.

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 of Application

Date Application Withdrawn

NMLS ID

Name of Applicant

City & State of Residence

June 25, 2012

January 30, 2013

914222

De’Marja Kai Patrick

Novi

MI

September 24, 2012

January 25, 2013

937861

Udoma Awelekaume Onwuachi

New York

NY

July 26, 2010

January 25, 2013

190787

Haskell Shaun Arnold

Ellicott City

MD

November 5, 2009

January 30, 2013

196816

Noah William Cook

Utica

NY

April 14, 2011

January 25, 2013

260375

Jeffrey John Hewitt

Hatfield

PA

May 3, 2012

January 31, 2013

898469

Caleb Uhuru Lutsch

Grand Prairie

TX


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

January 22, 2013

941271

Shahriar Mahmud Raafi

East Meadow

NY

Guidance Residential, LLC

January 22, 2013

881203

Kevin Michael Worm

Jessup

MD

New Day Financial, LLC

January 22, 2013

927809

Cornel  Kelemen

Strongsville

OH

Quicken Loans Inc.

January 22, 2013

134008

Sean Hugh Adams

Saylorsburg

PA

Residential Home Funding Corp.

January 22, 2013

59741

Fior P Jones

Westbury

NY

US Mortgage Corporation

January 22, 2013

404162

Angelo James Piazza

Kings Park

NY

Associated Mortgage Bankers, Inc.

January 22, 2013

813650

Anthony Carlton Barton

Phoenix

AZ

Quicken Loans Inc.

January 22, 2013

54521

Michael  Angelo

Voorheesville

NY

Homestead Funding Corp.

January 22, 2013

913702

Ryan John Stewart

Clinton Township

MI

Quicken Loans Inc.

January 22, 2013

925267

Richard Leslie Tompkins

White Plains

NY

DML Mortgage Enterprises, Inc.

January 22, 2013

861245

Jordan Elliott Reeser

Royal Oak

MI

Quicken Loans Inc.

January 22, 2013

863529

Thomas J Bringman

Scarsdale

NY

Fairway Independent Mortgage Corporation

January 22, 2013

913729

Christopher Michael Withorn

Brighton

MI

Quicken Loans Inc.

January 22, 2013

940084

Kai  Zhu

Williston Park

NY

Lyons Mortgage Services, Inc.

January 22, 2013

726896

Emran  Hossain

Brooklyn

NY

Guidance Residential, LLC

January 22, 2013

198114

Drew Steven Glomski

Scottsdale

AZ

Quicken Loans Inc.

January 22, 2013

54148

Stephen Craig Pullen

Warwick

NY

American Financial Resources, Inc.

January 22, 2013

348846

Christopher Ryan Shields

Staten Island

NY

Guaranteed Home Mortgage Company, Inc.

January 22, 2013

885175

Bradley James Weissgerber

Davison

MI

United Shore Financial Services, LLC

January 22, 2013

222049

Stephen Brooks Hoffmann

Detroit

MI

Quicken Loans Inc.

January 22, 2013

372198

Miranda  Li

New York

NY

Skyline Mortgage, LLC

January 22, 2013

913655

Jon Patrick Sadler

Warren

MI

Quicken Loans Inc.

January 22, 2013

907284

Julianne Edith Causey

Jacksonville

FL

PHH Mortgage Corporation

January 22, 2013

60081

Karen Ann Bishop

New York

NY

Luxury Mortgage Corp.

January 22, 2013

744899

Kenneth Franklin Ingram

Centralia

MO

Mortgage Research Center, LLC

January 22, 2013

939249

David Mathew Andrus

Jacksonville

FL

PHH Mortgage Corporation

January 22, 2013

196922

Jeremy Alan Tunkel

Fishkill

NY

OneMain Financial, Inc.

January 22, 2013

30166

Matthew  Dudek

Oxford

MI

Quicken Loans Inc.

January 22, 2013

944432

Christopher Augustus Showers

Phiadelphia

PA

PHH Mortgage Corporation

January 22, 2013

893665

Lori Anne Johnson

Jacksonville

FL

PHH Mortgage Corporation

January 22, 2013

946747

Jane Marie Pollard

Prosper

TX

Nationstar Mortgage LLC

January 22, 2013

944431

Michael Eric Schofield

Lindenwold

NJ

PHH Mortgage Corporation

January 22, 2013

86600

Leslie Dawn Wilson

Hewitt

NJ

NJ LENDERS CORP.

January 22, 2013

898029

Jaci Jorie Ramaekers

Keller

TX

Nationstar Mortgage LLC

January 22, 2013

944546

Otto Raul Pinto

Trenton

NJ

PHH Mortgage Corporation

January 22, 2013

401173

Sandra Michelle Dema

Mahwah

NJ

Embassy Funding LLC

January 22, 2013

927962

Sean Gordon Shunkwiler

Dearborn

MI

Quicken Loans Inc.

January 22, 2013

32833

Jean  Jajou

Canton

MI

Quicken Loans Inc.

January 22, 2013

38819

Jesse Martin Parish

Berlin

NJ

PHH Mortgage Corporation

January 22, 2013

146114

Matthew Daniel Klonowski

Broadview Heights

OH

Quicken Loans Inc.

January 22, 2013

854484

Steve Alan Cooperman

Dix Hills

NY

Continental Home Loans Inc.

January 22, 2013

861222

Gordon Joseph Lynett

Dearborn

MI

Quicken Loans Inc.

January 22, 2013

901978

Alan Patrick Tucsok

Warren

MI

Quicken Loans Inc.

January 22, 2013

21878

Michael  Brown

Fairfield

CT

GuardHill Financial Corp.

January 22, 2013

964069

Shelley Erin Bednar

Mantua

OH

Quicken Loans Inc.

January 22, 2013

923551

David Scott Tumlin

Jacksonville

FL

PHH Mortgage Corporation

January 22, 2013

50532

Michael William Cymbala

North Bellmore

NY

Coltrain Funding Group LLC

January 22, 2013

870293

George Woodrow Nicholas

Orange

CA

American Advisors Group

January 22, 2013

745307

Leslie L. Winograd

Livingston

NJ

East Coast Capital Corp

January 22, 2013

836780

Valori Ann Galvez

Huntington Beach

CA

Freedom Mortgage Corporation

January 22, 2013

838714

Joseph David Stangle

New Boston

MI

Quicken Loans Inc.

January 22, 2013

847809

Frank Maurice Coppens Ii

Clinton Twp.

MI

Quicken Loans Inc.

January 22, 2013

50324

Ludwig Daniel Jean-Louis

Hempstead

NY

MCS Mortgage Bankers, Inc.

January 22, 2013

907479

Ryan Robert Bruff

Newport

RI

Embrace Home Loans, Inc.

January 22, 2013

827014

Gustavo Alexander Higuera

Scottsdale

AZ

Quicken Loans Inc.

January 22, 2013

938956

Jordan Scott Terhorst

Holland

MI

Quicken Loans Inc.

January 22, 2013

503571

Robert Daniel Joseph Luckman

Addison

IL

New Day Financial, LLC

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