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Banking Division
Weekly Bulletin

April 5, 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

March 15, 2013 (SF-LFS)
CAR FINANCIAL SERVICES, INC.
11020 David Taylor Drive, Suite 115, Charlotte, NC 28262

Notification received for a change of office location from 11020 David Taylor Drive, Suite 115, Charlotte, NC 28262 to 8430 University Executive Park Drive, Suite 612, Charlotte, NC 28262.

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.


March 28, 2013 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to close branch office at 109 Market Plaza, Somers Towne Center, Town of Somers, Westchester County, NY 10589, received.

The comment period on this notice will expire May 6, 2013.


April 3, 2013 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to continue business as Private Bankers, received.

(These Private Bankers are already under the supervision of the Department.  New Certificate submitted by reason of the deaths of John C. Hanson and Stokley P. Towles, Class 2 Limited Partners.)


April 3, 2013 (CC- LFS)
PLS CHECK CASHERS OF NEW YORK, INC.
40-35 Junction Blvd, Corona, NY 11368

Applications were received for licenses to engage in business as a licensed casher of checks in connection with the purchase of certain assets of Ridge Check Cashing Corp. at the following locations;

1021 Nostrand Avenue, Brooklyn, NY 11225
1274 Nostrand Avenue, Brooklyn, NY 11226
6817 Fourth Avenue, Brooklyn, NY 11220
84 Flatbush Avenue, Brooklyn, NY 11217
884 Fifth Avenue, Brooklyn, NY 11232
906 Fulton Street, Brooklyn, NY 11238

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 10 business days, by April 19, 2013.


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

April 02, 2013 (MB-MBD)
Applicant(s)
William S. Ashmore
Todd R. Taylor
Joseph R. Tomkinson
Sean P. McDowell
Integrated Real Estate Service Corp.
Impac Mortgage Holdings, Inc.
As: Excel Mortgage Servicing, Inc.
19500 Jamboree Road, Irvine, CA 92612 2401


Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for a control interest:

March 28, 2013 (BR-MBD)
Applicant(s)
FFL/AAG LLC
To acquire interest in:
American Advisors Group, Inc.
3800 West Chapman Avenue, 3rd Floor, Orange, CA 92868

April 02, 2013 (MB-MBD)
Applicant(s)
RCIV Holdings (Luxembourg) S.à.r.l.
To acquire interest in:
PHH Home Loans, LLC D/B/A Coldwell Banker Home Loans
Additional DBA(S): ERA Home Loans
Cartus Home Loans
1 Mortgage Way, 3rd Floor, Mount Laurel, NJ 08054 4637


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 29, 2012

108955

Robert Joseph McFetridge

Thorofare

NJ

December 13, 2012

934625

Harry K. Jairam

South Ozone Park

NY

December 23, 2012

984166

Vatt  Ferdinandi

Oakland Gardens

NY

January 3, 2013

1006004

Melissa Jill Topping-Kovary

Stony Brook

NY

January 15, 2013

481125

Ricardo H Brasil

Boston

MA

January 23, 2013

294010

Kerrey Joseph Campbell

Maplewood

NJ

February 25, 2013

999474

Steven Michael Warrow

Bloomfield Hills

MI

February 26, 2013

350865

Adetayo  Adeseye

Newark

DE

February 26, 2013

1029717

Chun Yuen Wong

Shirley

NY

February 26, 2013

574567

Rosemary J Long

Garden City

NY

February 27, 2013

977416

Anthony James Grech

Dearborn

MI

February 27, 2013

898566

Joseph Arthur Sauer

Westerville

OH

February 27, 2013

971487

Juliana Geraud Calta

Levittown

NY

February 27, 2013

1007995

Francisco Rodriguez Ibarra

Dallas

TX

February 27, 2013

72086

Brian  Apple

Phoenix

AZ

February 27, 2013

1019205

Lawrence Edward Luster

Grand Prairie

TX

February 27, 2013

991461

Cynthia Pazos Fields

Frisco

TX

February 27, 2013

958747

Lynne Yong-Hee Cox

Frisco

TX

February 27, 2013

1012554

Shelly Diane Horton

Bedford

TX

February 28, 2013

934630

Billy Jo  Galeazzi

Tampa

FL

February 28, 2013

1012592

David Frank Park

Irving

TN

February 28, 2013

954337

Jay Michael Shienbaum

Franklin

MI

March 4, 2013

1012574

Festim  Naci

Carrollton

TX

March 4, 2013

1014420

John J Infante

Nanuet

NY

March 5, 2013

998603

Aaron Alexander Stringer

Lake Forest

IL

March 6, 2013

902438

Katherine Jane Dull

Birmingham

MI

March 7, 2013

1032780

Peter  Charles

Huntington

NY

March 7, 2013

352563

Phillip Matthew Shuppert

Indianapolis

IN

March 13, 2013

196636

Sean Patrick McDowell

Irvine

CA


SECTION II

March 22, 2013 (PF-LFS)
IPFS CORPORATION UANS PREMIUM FINANCING SPECIALISTS AND IMPERIAL CREDIT
1055 Broadway, 11th Floor, Kansas City, MO 64105

Licenses to conduct premium finance agency business at the following locations were surrendered:

180 North Michigan Avenue, Suite 1016, Chicago, IL 60601
5800 E. Skelly Drive, Suite 450, Tulsa, OK 74135
45 East River Park Place West, Suite 308, Fresno, CA 93720


March 25, 2013 (FB-FWB)
HSH NORDBANK AG
Hamburg, Germany

The New York State Department of Financial Services and the Federal Reserve Bank of New York Enter into a Written Agreement with HSH Nordbank AG and its New York Branch located at 230 Park Ave, New York, NY 10169, pursuant to Section 39 of the New York Banking Law, effective March 25, 2013.


March 25, 2013 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

License to engage in business as casher of checks at the limited station located at 4500 Furman Avenue, Bronx, NY 10470 was surrendered.


March 25, 2013 (FR-FWB)
NONGHYUP BANK
#120, Tongil-Ro, Jung-Gu
Seoul, 100-707 Korea

Application, pursuant to Section 221-c of the Banking Law, to establish and maintain a representative office in the Borough of Manhattan, City of New York, approved.


March 25, 2013 (FB-FWB)
NONGHYUP BANK
#120, Tongil-Ro, Jung-Gu
Seoul, 100-707 Korea

Application, pursuant to Section 201 of the Banking Law, to establish and maintain a branch in the Borough of Manhattan, City of New York, approved.


March 28, 2013 (SF-LFS)
BYRIDER FINANCE, LLC
12802 Hamilton Crossing Blvd, Carmel, Hamilton County, IN 46032

An application for a change of control, merger, name change, change of legal entity type and relocation of MNE Acceptance Corporation d/b/a CNAC, an Article 11-B sales finance company under Section 492-a of the Banking Law, was approved.  A new license was issued to reflect the new location and the licensee is now known as Byrider CNAC NY, LLC.

In conjunction with the issuance of the new license, the licensee surrendered its license issued under its former name.


March 28, 2013 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office to be located at 640 Scranton Carbondale Highway, Dickson City Borough, Lackawanna County, PA 18508.


March 28, 2013 (BK-CRB)
AMERASIA BANK
41-06 Main Street, Flushing, NY 11355
GREAT EASTERN BANK OF FLORIDA
4601 NW 72nd Avenue, Miami, FL 33166

Application, pursuant to Section 601 of the Banking Law, to merge Great Eastern Bank of Florida, Miami, Florida, with and into Amerasia Bank, Flushing, New York under the name Amerasia Bank, approved.


April 1, 2013 (BK-CRB)
AMERASIA BANK
41-06 Main Street, Flushing, NY 11355
GREAT EASTERN BANK OF FLORIDA
4601 NW 72nd Avenue, Miami, FL 33166

The Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 5:00 p.m., April 1, 2013, an Agreement and Plan of Merger, dated as of October 18, 2012, as amended November 19, 2012, and November 27, 2012, and other required documents, providing for the merger of Great Eastern Bank of Florida with and into Amerasia Bank, under the name Amerasia Bank.

The following banking offices of Great Eastern Bank of Florida have become branch offices of Amerasia Bank:

4601 NW 72nd Avenue, Miami, Miami-Dade County, FL 33166
501 NE 167th Street, North Miami Beach, Miami-Dade County, FL 33162.


April 2, 2013 (BK-CRB)
CATSKILL HUDSON BANK
4438 Route 42 North, Thompson, NY 12701

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 29 Main Street, Livingston Manor, Town of Rockland, Sullivan County, NY 12758 will not result in a significant reduction of banking services in the community to be affected.


April 2, 2013 (TR-CRB)
FIVE STAR BANK
55 North Main Street, Warsaw, NY 14569

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 65 Elizabeth Blackwell Street, Geneva, Ontario County, NY 14456 will not result in a significant reduction of banking services in the community to be affected.  (Five Star Bank will continue to operate an automated teller machine at this location.)


April 3, 2013 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA  01201

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 20 Mall, 2080 Western Avenue, Town of Guilderland, Albany County, NY 12084 will not result in a significant reduction of banking services in the community to be affected.


April 3, 2013 (SB-CRB)
ULSTER SAVINGS BANK
280 Wall Street, Kingston, NY 12401

Approval given to change the location of branch office from 60 Mill Hill Road, Woodstock, Town of Woodstock, Ulster County, NY 12498 to 68 Mill Hill Road, Woodstock, Town of Woodstock, Ulster County, NY 12498, on or after April 4, 2013.
___________________________________________________________________________

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

April 01, 2013 (MLS-MBD)
Full Service Branch
Green Planet Servicing, LLC
4900 Creekside Drive, Suite J, Clearwater, FL  33760

April 01, 2013 (MLS-MBD)
Full Service Branch
Specialized Loan Servicing, LLC
2900 South Diablo Way, Building D, Suite 200, Tempe, AZ  85282

April 01, 2013 (MLS-MBD)
Full Service Branch
Vericrest Financial, Inc.
3701 Regent Boulevard, Suite 200, Irving, TX  75063

April 01, 2013 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
221 North LaSalle Street, Suite 2121, Chicago, IL  60601

April 01, 2013 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
1301 South Capital of Texas Highway, Suite A-138, Austin, TX  78746

April 01, 2013 (MLS-MBD)
Full Service Branch
Provident Funding Associates, LP
11 Parkway Center, Suite 110, Pittsburgh, PA  15220


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

March 29, 2013 (BR-MBD)
Abound Financial Group, Inc.
751-759 Allerton Avenue, Suite 201, Bronx, NY 10467 8818


Mortgage Banker Branch License Address Changes:

April 03, 2013 (MB-MBD)
One Reverse Mortgage, LLC
From: 623 Woodward Avenue, Detroit, MI 48226
To: 504 Woodward Avenue, Detroit, MI 48226


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

March 27, 2013

921693

Steven Allan Salvatore

Jacksonville

FL

March 29, 2013

196859

Jeffrey Scott Koch

Rochester

NY

March 29, 2013

18526

Joao P Bernardes

Mineola

NY

April 1, 2013

992654

Michael Thomas Wiles

Jacksonville

FL

April 1, 2013

888655

Thomas Joseph Savino

Jacksonville

FL

April 3, 2013

130192

Jeffrey Q. Sharpe

White Plains

NY

April 3, 2013

888041

Tracy Donald Adams

Burlington

NJ


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 17, 2010

66153

Kevin Dougherty

East Patchogue

NY

Artisan Mortgage
Company, Inc.

September 14, 2010

24076

Michael Denniston

Westbury

NY

Residential Home
Funding Corp.