Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division Quarterly Summary of Money Service Businesses Activities MonthflyorSutmhmeaPryeorfioMdorEtgnadgeinAgctiMvitaiercs hfo3r 1th,e2P0e1ri2od Ending April 2007 Inside this Issue: Upgrades and 2 Downgrades of Licenses or Registrations Customer Service 2 Stars Check Casher 3 Activity for the 1st Quarter Check Seller / 6 Money Transmitter Activity for the 1st Upcoming 2012 6 State Holidays Contact Information 7 Upcoming Check Cashing Classes / Special Opportunity On Thursday, June 7, 2012, from 10:00 a.m. to 11:30 a.m., the Department will be conducting a special check cashing class at State Offices South at Tift College, Forsyth, Georgia. There is no cost for the class. The following topics will be covered: Check casher laws and regulations, the Bank Secrecy Act (BSA) and Anti-Money Laundering requirements. Please email your reservations to tkoeppel@dbf.state.ga.us no later than Friday, May 4, 2012. Location of the class: STATE OFFICES SOUTH AT TIFT COLLEGE 300 Patrol Road Forsyth, GA 31029 Every other month the Department offers an introductory class on the MSB rules to all check cashers. There is no cost for the class. During examinations, those who have attended the class have stated that the knowledge and information they gained helped prevent violations and avoid the imposition of fines. As a further benefit, the Department provides a certificate of attendance that licensees may use as evidence of training received on BSA and Anti-Money Laundering. The next check cashing class to be held at the Department's main office is scheduled for Tuesday, May 15th from 10:00 a.m. to 11:00 a.m. Space is limited, so please be sure to make an advance reservation for a seat by emailing Teresa Koeppel at tkoeppel@dbf.state.ga.us at least five days before the class is held. Reserve your seat NOW! We look forward to seeing you. "Safeguarding Georgia's Financial Services" Page 2 1st Quarter 2012 Upgrades and Downgrades of Licenses or Registrations Beginning July 1, 2012, the Department will require a new application and licensing fee for all requests to upgrade or downgrade any license type. For example, a Check Casher Registrant that applies for an upgrade to a Full Service Check Casher License will have to complete and submit to the Department a Full Service Check Casher License Application, along with the $750 investigation and supervision fee, plus $50 for each additional location. Likewise, a Full Service Check Casher Licensee that would like to downgrade its license type to a Check Casher Registration will have to complete and submit to the Department a Check Casher Registration Application, along with the $300 investigation and registration fee. Similarly, Sale of Check or Money Transmission Licensees that would like to change license type will have to complete and submit to the Department a new application and remit $2,250 for the application and investigation fee, and other fees as applicable. Remember, all fees submitted to the Department in connection with any application are non-refundable. CUSTOMER SERVICE STARS It is the Department's goal to provide excellent customer service by meeting and exceeding the expectations of our customers. Along those lines, we would like to recognize the following individuals for going above and beyond in serving our customers: Applications Analyst Susan Nelson The Department received comments about Susan from several different customers stating: "Susan Nelson is excellent in everything she has done for us." and "Susan Nelson is the reason for the excellent ratings. She is one of the best reps in Government offices that I have ever dealt with and I have asked her help for at least past ten years, consistently, she has surpassed my expectations. I thought I owe this to her since nowadays, most government service reps are basically "no service reps," Susan is a model for them and that is how it should be." and "As long as I get to deal with people like Susan Nelson, I don't think you can get any better." and "I really appreciate Mrs. Susan Nelson she's great with being patient and helping me work things out for me when I feel lost:)I really wanted this to be known, she's a big help." Review Examiner Teresa Koeppel The Department received comments about Teresa from several different customers stating: "I work with Teresa Koeppel on a regular basis. She responds quickly and is very knowledgeable and friendly. At the same time, she is clear about her expectations. I respect her and enjoy working with her." and "Teresa is always available and provides outstanding service. She is very professional." and "I gave a rating of excellent because I always get good service from Teresa Koeppel." and "We interact with Teresa Koeppel on all matters, and have found her to be extremely knowledgeable and helpful." CONGRATULATIONS AND GREAT JOB TO OUR CUSTOMER SERVICE STARS!! 1st Quarter 2012 Page 3 LICENSED AND REGISTERED CHECK CASHERS APPROVED OR REINSTATED DURING THE 1ST QUARTER OF 2012 LIC/ REG# CODE NAME ORIGINAL DBA CITY ST APPROVAL REINSTATED 23861 R Insurance Unlimited, Inc. Tifton GA 02/23/2009 01/13/2012 23706 R Patricia Waddell Purvis Quality Pawn & Sales Milledgeville GA 11/19/2008 02/02/2012 24269 R Brindavan, Inc. Freddy's Food Mart Gainesville GA 12/11/2009 02/09/2012 33580 R Lalit R. Chhadua Chevron Food Mart #12 Gainesville GA 01/03/2012 33581 L US Check Cashing LLC US Check Cashing Fitzgerald GA 01/03/2012 33582 L Advanced Title Pawn of Rome LLC Advanced Title Pawn Rome GA 01/03/2012 33584 R Vaishanavi, LLC Rose City Liquors Thomasville GA 01/03/2012 33592 L Dnovel Enterprises, Inc. Discount Check Cashing Douglasville GA 01/05/2012 33599 L Riverside Food & Gas, Inc. Roswell Check Cashing Marietta GA 01/09/2012 33628 R Dola Krupa, LLC Clean Scene Laundry Tifton GA 01/10/2012 33662 R Niran LLC EZ Quick Stop Wadley GA 01/12/2012 33665 L Melody B. Milton Quick Cash Check Cashing Albany GA 01/17/2012 33666 L Toddler World, LLC Moreland Check Cashing Atlanta GA 01/17/2012 33690 L FNL, LLC El-Bueno Food Mart Chamblee GA 01/18/2012 33707 R Kennedy Drugs, Inc. Kennedy Drugs Macon GA 01/20/2012 33739 L Sandra C. Pate Fast Stop Cordele GA 01/24/2012 33740 L Classic Systems, Inc. Tax Central Columbus GA 01/24/2012 33747 R Shri Shiva, Inc. Jesup GA 01/26/2012 33751 R Jai Matahji, Inc. AB Food Valdosta GA 01/26/2012 33753 R Jai Gahnpati, Inc. Gas N Go Valdosta GA 01/26/2012 33741 L HS & KJ Enterprise, Inc. Garden City Package Shop Garden City GA 01/27/2012 33746 L Munasa, Inc. Mt. Zion Food Mart Morrow GA 01/27/2012 33749 R Soo Han Yun Lucky Store Augusta GA 01/27/2012 33750 L IQRA 1 Enterprises, Inc. Rex Road Amoco Ellenwood GA 01/27/2012 33752 L MMXLV, LLC Jonesboro GA 01/27/2012 33763 L Casanova Enterprises, Inc. Gainesville GA 01/27/2012 33766 R Sikders, Inc. Global Newsstand Atlanta GA 01/30/2012 33768 R Galaxy Development Group, LLC Fast Trip Macon GA 01/30/2012 33767 R Pinal Corporation Quick Pantry Athens GA 01/31/2012 33769 R Ajaykumar C. Bhavsar TEJ Food Store Albany GA 01/31/2012 33781 L SJP Investment, LLC Norcross GA 01/31/2012 33782 R Radhika Investment, Inc. Fort Hawkins Convenience Store Macon GA 01/31/2012 33748 L Convenient Cash, Inc. Convenient Cash Powder Springs GA 02/03/2012 33794 L Northwood C Store, Inc. Quick Shop #2 Atlanta GA 02/03/2012 33795 R Shree Amba Mataji, Inc. Citgo Food Mart Vienna GA 02/03/2012 33806 R Sham Corporation Quick Stop Store #1 McRae GA 02/03/2012 33807 R Om Shiv, Inc. Adams Market Brunswick GA 02/03/2012 33810 L Comfort Akaya Commy Check Cashing Marietta GA 02/06/2012 33811 R Ji Kyung Song Family Food Mart Fort Valley GA 02/07/2012 33816 R Sidewinder, Inc. Wild Bill's Partyshop Columbus GA 02/10/2012 33872 R SAANVI 2012, Inc. BP Quick Change #82 Tifton GA 02/12/2012 33813 L Candler Development Group, LLC Candler Food Mart Decatur GA 02/14/2012 Page 4 1st Quarter 2012 LIC/ REG# 33814 33812 33855 33874 33876 33877 33900 33907 33817 33873 33909 33899 33944 33910 33912 33947 33880 33915 33945 33948 33959 33986 33987 33988 34001 34014 34039 34046 34047 34050 34052 34053 34055 34088 34089 34048 34090 34091 34108 34112 33949 34120 34146 LICENSED AND REGISTERED CHECK CASHERS APPROVED OR REINSTATED DURING THE 1ST QUARTER OF 2012 ORIGINAL CODE NAME DBA CITY ST APPROVAL L Francis Williams-Bongay Atlanta GA 02/14/2012 R Rudra Investments, Inc. Discount Point Savannah GA 02/15/2012 R Dalomais, Inc. Sabor Latino Abarrotes Sugar Hill GA 02/15/2012 R Laxmi Vaibhav, LLC ABC Convenience Store #2 Chatsworth GA 02/17/2012 R Tienda Latina, Inc. Cairo GA 02/17/2012 R Akshar Holding, Inc. Lowndes Food Mart Valdosta GA 02/17/2012 R Shaishav, Inc. Neighborhood Grocery Patterson GA 02/22/2012 L Buster Enterprises, Inc. EZ Rental and Check Cashing Columbus GA 02/22/2012 L Unlimited Taxes and More, Inc. Hinesville GA 02/23/2012 L SAEE, Inc. A&E Check Cashing Atlanta GA 02/23/2012 R Pravin & Madhu Corporation MK Food Mart #5 Valdosta GA 02/23/2012 L Irene Bisong Global Check Cashing Atlanta GA 02/24/2012 L M&M Check Cashing, LLC M&M Check Cashing Lilburn GA 02/24/2012 L Butler Foodmart, Inc. Butler Food Mart Butler GA 02/27/2012 L Irma P. Perkins Friendly Income Tax Statesboro GA 02/27/2012 R Kathiya and Patel, Inc. Four C's Truck Stop Pearson GA 02/27/2012 R Fina Corp. San Rafael Canton GA 02/28/2012 R Jackson Food & Fuel, LLC Peachtree Amoco Jackson GA 02/28/2012 L Grovetown Check Cashing, LLC Grovetown Check Cashing Grovetown GA 02/28/2012 L Las Americas, Inc. San Luis Grocery Columbus GA 02/28/2012 L Morning Calm Properties, Inc. Ok Cha's Variety Store Hinesville GA 02/29/2012 R Shah, Inc. Monroe Food Mart Monroe GA 03/05/2012 R Shahenshah, Inc. Oxford Food Mart Oxford GA 03/05/2012 L Fifth Era, Inc. Quick Change Carrollton GA 03/05/2012 L Premier PCS, Inc. Citizen Mart Atlanta GA 03/06/2012 L Yam Diamond, Inc. Shell Food Mart Douglasville GA 03/07/2012 L Shree Harikrishna, Inc. Downtown Beverage Lavonia GA 03/13/2012 R Ayushi Development, LLC Quik Mart #23 Moultrie GA 03/13/2012 R Ashwani Kumar A&A C Store Cataula GA 03/13/2012 L Om Shreeji, LLC Gwinnett Convenience Store Doraville GA 03/13/2012 R Jack Gregory Hawkins Greg's Convenience Store Waynesboro GA 03/16/2012 R Bhumi Enterprises, LLC Quik Mart #25 Moultrie GA 03/16/2012 L Brito's LLC Brito's Check Cashing Columbus GA 03/16/2012 R Shree Mahakali, Inc. Tom's Foodmart Macon GA 03/16/2012 R Moats IGA Super Market, Inc. Moats IGA Sylvania GA 03/16/2012 L Abdul Quabeer Quddoos Q&Q Brothers Griffin GA 03/22/2012 R Metter 1 Corporation El Cheapo #75 Glennville GA 03/22/2012 R H. Talukder LLC Exxon at Papermill Lawrenceville GA 03/22/2012 L Kuick Money Check Cashing LLC Lawrenceville GA 03/22/2012 R Miraj Investment, Inc. Fastee Package Store Macon GA 03/22/2012 R Dennis Gary Neville Vista Pawn Columbus GA 03/23/2012 L Chi Ching LLC Chi Ching Check Cashers Lawrenceville GA 03/23/2012 R Jay Narsangaveer, LLC Sandersville GA 03/29/2012 REINSTATED TOTAL: 85 1st Quarter 2012 Page 5 LICENSED AND REGISTERED CHECK CASHERS CLOSED DURING THE 1ST QUARTER OF 2012 LIC/ 33498 31601 9469 23640 30197 32351 20999 22448 20328 24276 21819 23838 33476 21934 16270 32629 33003 23770 23420 9211 23057 13223 22925 20727 CODE NAME RD Taxi Veloz LD EZ & Fast Check Cashing, LLC LD Tower Package Store RD Sadhi Krupa, Inc. LD All in One Convenience, Inc. RD C First, Inc. RD AB Food RD Sonac, Inc. LD Noor Group Inc LD Garden City Package Store RD World Cash, Inc. LD Chung's Enterprise/C&K Check Cashing LD Jason's Mini Mart LD Alexander Check Cashing LD Roswell Plaza Check Cashing RD The Right Group, Inc. RD Ina Management, Inc. LD Columbia Check Cashing, LLC RD Shell Food Mart RD Gwinnett Convenience Store RD Downtown Beverage LD Amigo Check Cashing RD Mama Enterprises, Inc. LD Yarbrough's Title Pawn TOTAL: 24 CITY Dalton Marietta ATLANTA TIFTON Atlanta Marietta VALDOSTA JESUP ELLENWOOD GARDEN CITY MARIETTA NORCROSS Fort Valley TYBEE ISLAND MARIETTA Columbus Tifton THOMSON OXFORD DORAVILLE LAVONIA MARIETTA Lawrenceville LAGRANGE ST CLOSED REVOKED GA 02/28/2012 02/28/2012 GA 01/01/2012 GA 01/02/2012 GA 01/10/2012 GA 01/18/2012 GA 01/23/2012 GA 01/26/2012 GA 01/26/2012 GA 01/27/2012 GA 01/27/2012 GA 01/28/2012 GA 01/31/2012 GA 02/07/2012 GA 02/10/2012 GA 02/22/2012 GA 02/22/2012 GA 02/22/2012 GA 02/28/2012 GA 03/05/2012 GA 03/13/2012 GA 03/13/2012 GA 03/16/2012 GA 03/22/2012 GA 03/31/2012 Page 6 1st Quarter 2012 LICENSED CHECK SELLERS AND MONEY TRANSMITTERS APPROVED DURING THE 1ST QUARTER OF 2012 LIC# 33307 33745 33506 33815 CODE NAME M USFOREX Inc. M Pronto Money Transfer Inc. S NetSpend Corporation M Official Payments Corporation DBA USFOREX Pontual Money Transfer CITY Wilmington Manhattan Beach Austin Norcross TOTAL: 4 ST APPROVAL DE 01/30/2012 CA 01/30/2012 TX 02/06/2012 GA 03/19/2012 LICENSED CHECK SELLERS AND MONEY TRANSMITTERS WITHDRAWN OR SURRENDERED DURING THE 1ST QUARTER OF 2012 LIC# CODE NAME DBA CITY 33365 19052 22935 MD Smart Plus USA LLC Minneapolis MD World Cash, Inc. World Cash MARIETTA MD Microfinance International Corporation Alante Financial WASHINGTON TOTAL: 3 ST WITHDRAWN SURRENDERED MN 03/06/2012 GA DC 01/28/2012 02/03/2012 Holiday Name Confederate Memorial Day Memorial Day Independence Day Upcoming 2012 State Holidays Date Observed April 26th Thursday Will be observed on Monday, April 23rd May 28th Monday July 4th Wednesday 1st Quarter 2012 Department Contact Information NAME Teresa Koeppel, Administrative Examiner (Check Sellers/Money Transmitters, MSB Exams) E-MAIL ADDRESS tkoeppel@dbf.state.ga.us Susan Nelson, Applications Analyst (Check Cashers) nelson@dbf.state.ga.us Page 7 PHONE# (770) 986-1639 (770) 986-1652 Corresponding with the Department When corresponding with the Department, e-mail communication is preferred. Providing written details in the email regarding any questions or concerns you may have allows the Department to forward the request to the appropriate person who handles that area, and if sufficient details are included in the request, that person can then more efficiently provide you with an answer. The main Division e-mail address is msb@dbf.state.ga.us. Since the Department's main method of communicating with licensees/registrants is via e-mail, it is very important that you supply the Department with a valid e-mail address and that you keep us informed if your email address changes. Please be sure that your e-mail account does not divert Department e-mail to your spam or junk folder. Page 8 Georgia Department of Banking and Finance 2990 Brandywine Road Suite 200 Atlanta, Georgia 30341-5565 Phone: (770) 986-1633 Fax: (770) 986-1655 or 1029 Email: msb@dbf.state.ga.us 1st Quarter 2012 The Department is the state agency that regulates and examines banks, credit unions, and trust companies chartered by the State. The Department also has regulatory and/or licensing authority over mortgage brokers/processors, lenders and loan originators, money service businesses, international banking organizations, and bank holding companies conducting business in Georgia. Our MISSION is to promote safe, sound, competitive financial services in Georgia through innovative, responsive regulation and supervision. Our VISION is to be the best financial services industry regulator in the country Progressive. Proactive. Service-Oriented. 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