Weekly Banking Bulletin

July 24, 2026

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 
email to [email protected].

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

SECTION I

July 7, 2026 (LP-RID)
BULLISH
61 Ninth Ave, New York, NY 10011

Application, pursuant to Section 143-b of the Banking Law, to acquire indirect control of Equiniti Trust Company, LLC, New York, New York, received.

The comment period on this application expires on August 24, 2026.

July 21, 2026 (TM-LFS)
ETHOS PAYMENT SOLUTIONS, INC.
370 W Las Colinas Blvd, Ste 108, Irving, TX 75039

Application received for a license to engage in business as a transmitter of money.

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.

July 21, 2026 (SF-LFS)
CAR FINANCIAL SERVICES, INC.

725 Primera Blvd., Suite 235, Lake Mary, FL 32746

Application was received for a change of control filed by SDA CAR Holdings, LLC. for 100% indirect ownership stake in CAR Financial Services, Inc.

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.

July 22, 2026 (TM-LFS)

PAYMENT PROGRESS LLC
12 Broad Street, Suite 403, Red Bank, NJ 07701

Application received for a license to engage in business as a transmitter of money.

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.

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

July 22, 2026 (BR-MBD)
Applicant(s)
Jermih Epstein
As: YBY Funding Inc.  D/B/A Jaystone
491 State Route 208, Suite 023, Monroe, NY 10950

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

July 20, 2026 (MB-MBD)
Full Service Branch
Total Mortgage Services, LLC
245 Saw Mill River Road, Suite #106, Hawthorne, NY 10532

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

July 17, 2026 (MB-MBD)
Applicant(s) 
CrossCountry Holdco, LLC
CrossCountry Holding Corp.
CrossCountry Intermediate Holdco, LLC
CrossCountry Mortgage, LLC
North Shore Mortgage Opportunity LLC
Ronald Joseph Leonhardt, Jr.
TH MSR Holdings LLC
TWO Intermediate Holding, LLC
Two Harbors Operating Company LLC
To acquire interest in:
RoundPoint Mortgage Servicing LLC
446 Wrenplace Road, Fort Mill, SC 29715

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:
July 17, 2026 (MLS-MBD)
Applicant(s) 
Freedom Seneca GP LLC
Freedom Superior LLC
Seneca Investments Holdings II LLC
Seneca Investments Holdings LLC
Stanley Craig Middleman
To acquire interest in:
Seneca Mortgage Servicing LLC
48 South Main Street, Suite 1, Newtown, CT 06470

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.

SECTION II

June 4, 2026 (LL-LFS)
ONEMAIN FINANCIAL GROUP, LLC D/B/A ONEMAIN AUTO
1501 South Clinton Street, Suite 600, Baltimore, MD 21224

Licenses were issued to reflect a change of name from OneMain Financial Group, LLC to OneMain Financial Group, LLC DBA OneMain Auto.   

In connection with the above licenses issuance, the original licenses were surrendered.

July 9, 2026 (SFC-LFS)
FORD MOTOR CREDIT COMPANY LLC U/A/N LINCOLN AUTOMOTIVE FINANCIAL SERVICES, U/A/N JAGUAR CREDIT, U/A/N LAND ROVER CAPITAL GROUP, U/A/N MAZDA AMERICAN CREDIT, U/A/N PRIMUS FINANCIAL SERVICES, U/A/N VOLVO CAR FINANCE NORTH AMERICA
One American Road, Dearborn, Wayne County, Michigan 48126

License to engage in business as a sales finance company at 3620 Queen Palm Drive, Tampa, Hillsborough County, Florida 33619 was surrendered.

July 13, 2026 (TR-FWB)
THE BANK OF NEW YORK MELLON
240 Greenwich Street, New York, New York 10286

Notification received, in accordance with Supervisory Policy G 8, of the establishment of representative offices to be located at the following two locations:

300 Berwyn Park, 801 Cassatt Road, Suite 212, Berwyn, Chester County, Pennsylvania 19312; and
One Logan Square, Philadelphia, Philadelphia County, Pennsylvania 19103.

July 16, 2026 (CU-CRB)
AMERICU CREDIT UNION 
1916 Black River Boulevard, Rome, NY 13440

Application to amend the bylaws to expand the field of membership to include the following additional 27 counties in New York State: Albany, Allegany, Cattaraugus, Chautauqua, Chemung, Columbia, Delaware, Dutchess, Erie, Genesee, Greene, Livingston, Monroe, Niagara, Ontario, Orleans, Rensselaer, Saratoga, Schenectady, Schuyler, Steuben, Sullivan, Ulster, Warren, Washington, Wyoming, and Yates, approved.

July 17, 2026 (SF-LFS)
AQUA FINANCE, INC 
One Corporate Drive, Suite 100, Wausau, Marathon County, Wisconsin, 54401

License rider was issued to reflect the change of main address from One Corporate Drive, Suite 300, Wausau, Marathon County, Wisconsin, 54401 to One Corporate Drive, Suite 100, Wausau, Marathon County, Wisconsin, 54401.  

July 20, 2026 (MI-CRB)
CENTENNIAL BANK 
620 Chestnut Street, Conway, AR 72032

Approval given to change the location of branch office from 12 East 49th Street, (28th Floor), Borough of Manhattan, City of New York 10017 to 12 East 49th Street, (34th Floor), Borough of Manhattan, City of New York 10017, on or after July 21, 2026.

July 21, 2026
RHINEBECK BANCORP, MHC (HC-CRB)
2 Jefferson Plaza, Poughkeepsie, New York 12601

The conversion of Rhinebeck Bancorp, MHC from a mutual holding company structure to a stock holding company form of organization became effective on July 21, 2026. As a result of the conversion, Rhinebeck Bancorp, MHC has ceased to exist.

July 21, 2026
RHINEBECK BANK (SB-CRB)
6414 Montgomery Street, Rhinebeck, New York 12572

“Restated Organization Certificate of Rhinebeck Bank”, under Section 8007 of the Banking Law, providing for the establishment and maintenance of a liquidation account for the benefit of certain depositors of the bank, approved and filed in the Office of the Superintendent of Financial Services. 

The restatement is in connection with the conversion and reorganization of Rhinebeck Bancorp, MHC, from a mutual holding company structure to a stock holding company form of organization.

July 22, 2026 (SB-CRB)
RHINEBECK BANK 
6414 Montgomery Street, Rhinebeck, NY 12572

Authorization issued to open and occupy a branch office at 800 Westchester Avenue, Suite 400, Rye Brook, Westchester County, New York 10573, on or after July 23, 2026.

July 24, 2026 (TM-LFS)
X PAYMENTS LLC
1450 Page Mill Rd, Palo Alto, CA 94304

Application to engage in the business of a transmitter of money pursuant to Article XIII-B of the Banking Law was approved effective July 23, 2026.

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

July 22, 2026 (BR-MBD)
Full Service Branch
Americana Mortgage Group, Inc.
7 West Main Street, 2nd Floor, Beacon, NY 12508

License to engage in business as a Mortgage Banker surrendered:

July 22, 2026 (MB-MBD)
Van Dyk Mortgage Corporation
2449 Camelot Court SE, Grand Rapids, MI 49546
Effective Date: July 22, 2026

License to engage in business as a Mortgage Banker branch surrendered:

July 22, 2026 (MB-MBD)
Van Dyk Mortgage Corporation
1213 Culbreth Drive, Suite 143, Wilmington, NC 28405
Effective Date: July 22, 2026

July 22, 2026 (MB-MBD)
Van Dyk Mortgage Corporation
109 Harbor Village Lane, Suite #12, Apollo Beach, FL 33572
Effective Date: July 22, 2026

Certificate to engage in business as a Mortgage Broker surrendered:

July 20, 2026 (BR-MBD)
Russell Capital Group LLC D/B/A RCG Mortgage
490 Wheeler Rd, Suite 111, Hauppauge, NY 11788
Effective Date: June 30, 2026

Certificate to engage in business as a Mortgage Broker Branch surrendered:

July 20, 2026 (BR-MBD)
Russell Capital Group LLC
186-09 Union Tpke, Suite 2, Fresh Meadows, NY 11366
Effective Date: June 30, 2026

July 20, 2026 (BR-MBD)
Russell Capital Group LLC
146 Via Trevizio, Suite 101, Corona, CA 92879
Effective Date: June 30, 2026

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

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: