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Banking Division
Weekly Bulletin

March 14, 2014

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.

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 6, 2014 (BK-CRB)
THE WESTCHESTER BANK
2001 Central Park Avenue, Yonkers, NY 10710

Application dated March 3, 2014, for permission to open and occupy a branch office at 53 South Moger Avenue, Mount Kisco, Westchester County, NY 10549, received.


March 10, 2014 (TM-LFS)
COMDATA TN, INC.
5301 Maryland Way, Brentwood, TN 37027

Application received for the prior approval of the Superintendent of Financial Services on the restructuring of Comdata Network, Inc., a money transmitter licensee at 5301 Maryland Way, Brentwood, TN 37027. 

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.


March 13, 2014 (CC-LFS)
PLS CHECK CASHERS OF NEW YORK, INC.
40-35 Junction Blvd, Corona, NY 11368

Application for a license to engage in business as a licensed casher of checks was received in connection with the purchase of certain assets of J.C.G. Check Cashing Corp. at 146-15 Jamaica Avenue, Jamaica, New York 11435.

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 March 28, 2014.


March 13, 2014 (CC-LFS)
PLS CHECK CASHERS OF NEW YORK, INC.
40-35 Junction Blvd, Corona, NY 11368

Application for a license to engage in business as a licensed casher of checks was received in connection with the purchase of certain assets of Cash Transactions, Inc. at 2539 Webster Avenue, Bronx, NY 10458.

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 March 28, 2014.


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

March 06, 2014 (BR-MBD)
Applicant(s)
Ismet Izzy Sema
Naunmce Marenoski
As: Amber Sky Home Mortgage LLC
1 Route 46 West, Suite 1, Elmwood Park, NJ 07407 0220


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

March 07, 2014 (MB-MBD)
Applicant(s)
Ronald J. Leonhardt, Jr.
Vince A. Nappi
Charles V. Dindia
As: CrossCountry Financing
In Lieu of True Name Cross Country Mortgage, Inc.
6850 Miller Road, Brecksville, OH 44141 3222


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 11, 2014 (BR-MBD)
Applicant(s)
Scott Nathan Valins
To acquire interest in:
All County Capital Corp. D/B/A Scott Capital Group
32 Union Square East, Suite 800, New York, NY 10003 3241


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

September 3, 2013

228928

John  Cassara

Westfield

NJ

November 8, 2013

65196

Kelly  McNab

Rockville Centre

NY

November 19, 2013

8888

Kristin Leigh Tess

Sleepy Hollow

NY

December 9, 2013

1094062

Angel Manuel Ramirez-Velez

Sheridan

IN

December 17, 2013

274066

Ohgeun  Kwon

Flushing

NY

December 30, 2013

1070846

Kevin Louis Liotta

Staten Island

NY

January 6, 2014

1113700

Sean  Ahearn

Roslyn Heights

NY

January 16, 2014

360798

Scott K Beatty

Ballston Lake

NY

January 20, 2014

1033086

Robert  Schneider

Syosset

NY

January 28, 2014

1008218

Ross Weston Skinner

San Juan Capistrano

CA

February 6, 2014

1140471

Santana Lorea Sedlacek

Detroit

MI

February 12, 2014

630184

Courtney Leigh Thelander

Chandler

AZ

February 14, 2014

932248

Daniel Patrick O'Hearn

Columbia

MO

February 14, 2014

1126723

Laura Elizabeth Honn

Columbia

MO

February 17, 2014

263824

Ivan B Seenarine

West Haven

CT

February 17, 2014

1122902

Katelyn Dawn Cockrell

Columbia

MO

February 17, 2014

351172

Sarah Marie Lowinski

Dearborn Heights

MI

February 18, 2014

1127562

Gerard Rosalio Pagkatipunan

Scottsdale

AZ

February 18, 2014

8607

Graham Edward Powers

Middletown

RI

February 18, 2014

142863

Austin Lee Rudick

Gilbert

AZ

February 18, 2014

1060838

Monicka Marie-Ann Hewitt

Port Huron

MI

February 19, 2014

1140464

Timothy William Rios

Wyandotte

MI

February 19, 2014

1161884

Christopher  Holland

Breezy Point

NY

February 19, 2014

1161880

Vincent  Ruggiero

Mineola

NY

February 19, 2014

1161887

John  Franco

St. James

NY

February 19, 2014

1143148

Jennifer Christine Beckley

Clark

MO

February 21, 2014

1161860

Angela  D'Attile-Graf

Kings Park

NY

February 21, 2014

1097300

Nicholas Robert Martz

Farmington Hills

MI

February 21, 2014

1127375

Morgunn Bailea Skipworth

Columbia

MO

February 21, 2014

1161875

Joseph  Lacentra

Huntington

NY

February 21, 2014

204825

Joseph M Sullivan

Denville

NJ

February 22, 2014

1011823

Kaleb Tate Maxwell

Scottsdale

AZ

February 22, 2014

1107241

Ryan Erik Swanson

Phoenix

AZ


SECTION II

March 5, 2014 (CC-LFS)
SUNRISE CHECK CASHING SERVICES, LLC
580 Sunrise Highway, Baldwin, NY 11510-3068

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

  1. 57 South Franklin Street, Hempstead, NY 11550
  2. Courtesy Bus Co., Inc., 107 Lawson Boulevard, Oceanside, NY 11572

March 7, 2014 (BK-CRB)
COUNTRY BANK
655 Third Avenue (9th Floor), New York, NY  10017

Authorization issued to open and occupy a branch office at 655 Third Avenue (Ground Floor), Borough of Manhattan, City of New York 10017, on or after March 8, 2014.


March 10, 2014 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization issued to open and occupy a branch office at 15190 Frederick Road, Rockville, Montgomery County, MD 20850, on or after March 11, 2014.


March 10, 2014 (MI-CRB)
HAMLIN BANK AND TRUST COMPANY
333 West Main Street, Smethport, PA 16749

Authorization issued to open and occupy a branch office at 2102 West State Street, Olean, Cattaraugus County, NY 14760, on or after March 11, 2014.


March 13, 2014 (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 New York State Department 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. 2655 East Henrietta Road, Town of Henrietta, Monroe County, NY 14467; and
  2. Tops Markets, 3955 Vineyard Drive, Dunkirk, Chautauqua County, NY 14048.

March 13, 2014 (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. 2655 East Henrietta Road, Town of Henrietta, Monroe County, NY 14467; and
  2. 4564 Main Street, Town of Amherst, Erie County, NY 14226.

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

March 11, 2014 (BR-MBD)
Digital Risk Mortgage Services, LLC
2301 Maitland Center Parkway, Suite 165, Maitland, FL 32751 7465


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

March 12, 2014 (BR-MBD)
R.F.W. Financial Corp. D/B/A Center State Mortgage
205 Highway 9, Freehold, NJ 07728 8561
Effective Date: March 10, 2014

March 12, 2014 (BR-MBD)
Protect The Fort Mortgage and Realty Corp.
272 Jericho Turnpike, Mineola, NY 11501 1609
Effective Date: March 10, 2014

March 12, 2014 (BR-MBD)
Frontline Funding Group, Inc.
88-21 192nd Street, Hollis, NY 11423 2033
Effective Date: February 19, 2014


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

March 12, 2014 (BR-MBD)
Full Service Branch
Norma Lowenbraun D/B/A Norma Funding
185 Marcy Avenue, Suite 304, Brooklyn, NY 11211
Effective Date: March 12, 2014


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

March 06, 2014 (MB-MBD)
Full Service Branch
Homestead Funding Corp.
935 New Loudon Road, Suite 3, Latham, NY 12110
Effective Date: February 24, 2014

March 06, 2014 (MB-MBD)
Full Service Branch
Embrace Home Loans, Inc.
50 Jordan Street, Suite 300, East Providence, RI 02914
Effective Date: March 04, 2014


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

March 10, 2014 (BR-MBD)
Gene Burshtein Enterprises, Inc.
2125 Flatbush Avenue, Brooklyn, NY 11234

March 10, 2014 (BR-MBD)
First Generation Mortgage Corp.
148-29 Cross Island Parkway, Whitestone, NY 11357 2528

March 12, 2014 (BR-MBD)
Dalco Financial Services Inc.
120 Stevens Avenue, Mount Vernon, NY 10550 2605

March 12, 2014 (BR-MBD)
Lake Forest Financial, Inc.
26672 Towne Centre Drive, Suite 310, Foothill Ranch, CA 92610 2828


Application to assume active status as a registered mortgage broker pursuant to Article 12-D of the Banking Law approved:

March 07, 2014 (BR-MBD)
My Community Broker Inc.
375 Commack Road, Suite 204, Deer Park, NY 11729 5515
Effective Date: March 07, 2014


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

March 07, 2014 (MB-MBD)
Applicant(s)
UFG Holdings, LLC
To acquire interest in:
Urban Financial Group, Inc. D/B/A Reverse It!
8909 South Yale Avenue, Tulsa, OK 74137 3557


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

February 28, 2014

922237

Huntington Beach

CA

Discover Home Loans, Inc.

March 6, 2014

1027358

Margarita Alexandria Rudnick

New City

NY

Embassy Funding LLC