Weekly Banking Bulletin

September 4, 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

August 27, 2026 (TM-LFS)
APPLE PAYMENTS INC.    
6900 W. Parmer Lane Office No. AC1-2225 Austin, Texas 78729

Notification received for the change of location from 6900 W. Parmer Lane Office No. AC1-2225 Austin, Texas 78729 to 6900 W. Parmer Lane Office No. AC03-2301 Austin, Texas 78729.

The publication of receipt of this notification 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 licensee.

September 1, 2026 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY 
One M&T Plaza, Buffalo, NY 14203

Notice of intention to establish an electronic facility (automated teller machine) at University of Maryland, Clarice Smith Performing Arts Center, 8270 Alumni Drive, College Park, Prince George’s County, Maryland 20742, received.

(This facility will replace the facility at University of Maryland, Eppley Recreation Center, 4128 Valley Drive, College Park, Prince George’s County, Maryland 20742.)

September 3, 2026 (BK–CRB)
GREENE COUNTY COMMERCIAL BANK
425 Main Street, Catskill, NY 12414

Application for the Superintendent’s approval of the Certificate of Amendment of the Organization Certificate of Greene County Commercial Bank under Section 8005 of the Banking Law providing for the change of name of the bank to Greene Commercial Bank, 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.

SECTION II

July 17, 2026 (SF-LFS)
UPSTART NETWORK, INC. D/B/A UPSTART
220 Park Road, Suite 500, Burlingame, San Mateo County, California 94010

License rider was issued to reflect the change of main address from 2950 South Delaware Street, Suite 410, San Mateo County, California 94403 to 220 Park Road, Suite 500, Burlingame, San Mateo County, California 94010.  

August 19, 2026 (BP-LFS)
DEBT REDUCTION SERVICES, INC. U/A/N MONEYFIT BY DRS   
6213 N. Cloverdale Road, Suite 130, Boise, Idaho 83713

The licensee’s assumed name was approved as follows, effective August 19, 2026:
  
From: Debt Reduction Services, Inc.  
To:   Debt Reduction Services, Inc.  U/A/N MoneyFit by DRS     

August 27, 2026 (TM-LFS)
LL PAY U.S., LLC D/B/A LIANLIAN GLOBAL 
666 Third Avenue, 6th Floor, Suite 614, New York, New York 10017

Notification for a change of location from 666 Third Avenue, 6th Floor, Suite 615, New York, New York 10017 to 666 Third Avenue, 6th Floor, Suite 614, New York, New York 10017 was approved effective August 27, 2026.

August 31, 2026 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, New York 14203
WT COMMUNITY INVESTMENTS, INC. 
One M&T Plaza, Buffalo, New York 14203

The Acting Superintendent of Financial Services has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 11:59 p.m., August 31, 2026, an Agreement and Plan of Merger, dated as of June 16, 2026, and other required documents, providing for the merger of WT Community Investments, Inc. with and into Manufacturers and Traders Trust Company, under the name Manufacturers and Traders Trust Company.

The merger became effective as of August 31, 2026. 

September 1, 2026 (SB-CRB)
APPLE BANK
122 East 42nd Street, New York, NY 10168

Application for permission to change the location of branch office from 3815 Broadway, Borough of Manhattan, City of New York 10032 to 3841 Broadway, Borough of Manhattan, City of New York 10032, withdrawn.

September 1, 2026 (CU-CRB)
Municipal credit union
22 Cortlandt Street, New York, NY 10007

Approval given to open and maintain a station at 162-15 Jamaica Avenue, Jamaica, Queens County, NY 11432, on or after September 2, 2026.

September 1, 2026 (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 the branch office at 250 Park Avenue, Borough of Manhattan, City of New York 10177, will not result in a significant reduction of financial services in the community to be affected.

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

September 2, 2026 (MB-MBD)
Full Service Branch
General Mortgage Capital Corporation
4 New Hyde Park Road, Office #2, Franklin Square, NY 11010

September 2, 2026 (MB-MBD)
Full Service Branch
Ark Mortgage, Inc.
504 Ave U, 2F, Brooklyn, NY 11223

September 2, 2026 (MB-MBD)
Full Service Branch
loanDepot.com, LLC
360 Central Ave, Suite 800, Office 852, St. Petersburg, FL 33701

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

August 27, 2026 (MB-MBD)
Cliffco, Inc.
3265 Merrick Road, Wantagh, NY 11793
Effective Date: August 18, 2026

Mortgage Broker Certificate Address Changes:

September 2, 2026 (BR-MBD)
Joseph Chau D/B/A Dollarwise Mortgage
From: 136-20 38th Avenue, Suite 3C, Room W11, Flushing, NY 11354
To: 85 Broad St, FL 17 Unit 082, New York, NY 10004

Mortgage Banker Branch License Address Changes:

September 1, 2026 (MB-MBD)
Guaranteed Rate, Inc.
From: 469 Angell Street, Suite 1, Providence, RI 02906
To: 469 Angell Street, Suites 1, 4, & 5, Providence, RI 02906

September 2, 2026 (MB-MBD)
Finance of America Reverse LLC
From: 80 Orville Drive, Office 109, Bohemia, NY 11716
To: 105 Maxess Road, Suite N204, Melville, NY 11747