Quarterly MSB newsletter, Issue 4 (Oct.-Dec. 2015)

Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division
Quarterly Summary of Money Service Businesses Activities Monftohlry tShuemmPaerryioofdMEonrtdgaignegADcteivcietimesbfoerrt3he1,Pe2r0io1d5Ending April 2007

Inside this Issue:
2016 License 2 Certificates
Quarterly Reporting 2 for Seller of Payment
Instruments and Money Transmitter
Licensees
2016 State 2 Holidays
Upcoming Atlanta 3 Check Cashing Classes
APPENDIX: MSB Activity by Current License
Status

2016 License Renewal (Transition) Period Has Ended
The Annual License Renewal Period for 2016 has ended. A licensee that has submitted a filing through the Nationwide Multistate Licensing System on or before December 31, 2015, can continue to work as a MSB unless and until there is a surrender/withdrawal of the license or a final order of denial or revocation is issued by the Department.
PENDING RENEWAL REQUESTS
Does your license have a renewal request pending? If so, please check your NMLS record for any deficiencies, or license items, placed by the Department. No renewal request will be approved with outstanding license items.
Many licensees that have not yet been approved owe fines and fees check your NMLS record to see if your renewal is being delayed due to unpaid fines and fees.
Fines and fees must be paid through the NMLS Agency Fee Invoice Please visit the following link for information on how to pay the Agency Fee Invoice in NMLS: For a Company http://mortgage.nationwidelicensingsystem.org/licensees/resources/LicenseeResources/ Paying%20an%20Invoice_C.pdf

Forgot to Renew an MSB License?
If an MSB did not request renewal by December 31, 2015, the license expired by operation of law effective January 1, 2016 AND the licensee may not conduct MSB activity in Georgia. The licensee must submit a new application through the NMLS: http://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx? StateID=GA
This new application submission includes mailing to the Department the jurisdictionspecific documents listed in the New Application Checklist that say, "click to download document". All changes to your company structure including ownership, officers, address, etc., must be made through NMLS. Please refer to the amendment checklist for your license type: http://mortgage.nationwidelicensingsystem.org/slr/Pages/ DynamicLicenses.aspx?StateID=GA

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4th Quarter 2015

2016 LICENSE CERTIFICATES
When you receive e-mail notification of your 2016 license or renewal approval from the Department (noreply@dbf.state.ga.us or msb@dbf.state.ga.us), you will be provided with a link to the Department's secure website to retrieve and print your license certificate for 2016. You will need your Georgia license number and assigned password. There is a `forgot your password' option on the license certificate retrieval website. Please do not call the Department and ask for your password.
CHECK CASHERS - https://bkgfin.dbf.state.ga.us/CCCERT2016.html
MONEY TRANSMITTERS AND SELLERS OF PAYMENT INSTRUMENTS -
https://bkgfin.dbf.state.ga.us/SOCMTCERT2016.html

Quarterly Reporting for Seller of Payment Instruments and Money Transmitter Licensees

All Money Transmitter and Seller of Payment Instruments Licensees were emailed directly with instructions on how to complete the online form that is being used as part of the quarterly reporting requirements for the period ending December 31, 2015.

If you have no agents or offices, you must still report through the NMLS. Learn more about the UAAR and uploading authorized agents here. Questions regarding the UAAR should be directed to the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123).

In addition to completing the webform, agent/office information must be uploaded via the Uniform Authorized Agent Report (UAAR) in the Nationwide Multistate Licensing System (NMLS) to complete your quarterly reporting.

Please complete and submit both reports by February 14, 2016. Any reports received after the deadline will be subject to a fine of $1,000.

2016 State Holidays
Please refer to Georgia Governor Nathan Deal's website -- http://gov.georgia.gov/2016-state-calendar -- for a list of the dates in 2016 proclaimed by the Governor as public and legal state holidays when the Capitol and all State agencies will be closed.

COMMONLY USED ACRONYMS

CC-- Check Casher License Department -- Ga. Department of Banking and Finance MSB -- Money Services Business MT--Money Transmitter License NMLS or NMLSR -- Nationwide Multistate Licensing System & Registry

O.C.G.A. -- Official Code of Georgia Annotated SPI--Seller of Payment Instruments License UAAR -- Uniform Authorized Agent Report

4th Quarter 2015

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Upcoming Atlanta Check Cashing Classes

The Department offers a check cashing class that benefits first-time and experienced check cashers. Classes are scheduled on Tuesdays at 10:00 a.m. and generally last about an hour and a half.

The classes are limited to a maximum of seven attendees, so you must make an advance reservation by calling 770-986-1639 or emailing tkoeppel@dbf.state.ga.us.

There is no cost for the class and it is a great way to learn about Georgia law, Department regulations, the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) requirements. 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.

Reserve your seat NOW! We look forward to seeing you.
Upcoming Atlanta Check Casher Classes* January 19, 2016, 10:00 AM March 15, 2016, 10:00 AM May 17, 2016, 10:00 AM July 19, 2016, 10:00 AM
*Please note that the class schedule is subject to change

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Department Contact Information
NAME Teresa Koeppel, Financial Examiner Ana Contreras, Assistant Financial Examiner Joel Byers, Senior Financial Examiner

4th Quarter 2015

E-MAIL ADDRESS tkoeppel@dbf.state.ga.us acontreras@dbf.state.ga.us byers@dbf.state.ga.us

PHONE# (770) 986-1639 (770) 986-1652 (770) 986-1656

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. Please include your NMLS or License number on all communications. The main Division e-mail address is msb@dbf.state.ga.us.
Since the Department's main method of communicating with licensees is via e-mail, it is very important that you supply the Department with a valid e-mail address for your primary contact and that you keep us informed if your e-mail address changes by updating your company's MU2 on NMLS. Please also be sure that your email account does not divert Department e-mail to your spam or junk folder.

4th Quarter 2015
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
We're on the Web! dbf.georgia.gov

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The Department is the state agency that regulates and examines Georgia statechartered banks, state-chartered credit unions, and state-chartered trust companies. The Department also has responsibility for the supervision, regulation, and examination of Merchant Acquirer Limited Purpose Banks (MALPBs) chartered in Georgia.
In addition, the Department has regulatory and/or licensing authority over mortgage brokers, lenders and processors, mortgage loan originators, check cashers, sellersissuers of payment instruments, money transmitters, 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 a willing and able partner with our regulated entities in order to support vibrant and economic growth and prosperity in Georgia.

Sign-up to Receive this Publication
This quarterly publication is delivered to interested parties via e-mail and is also available from the Department's website at: http://dbf.georgia.gov under Publications, MSB Newsletter. If you would like to be added to our distribution list, send an email to dbfpress@dbf.state.ga.us stating your name and e-mail address. Please be sure to include "Subscribe to MSB Newsletter" in the Subject line.

APPENDIX

License Status Approved Denied Revoked
Terminated Expired
Terminated Ordered to Surrender Terminated Surrendered/Cancelled

Definition
The entity has an Approved licens e.
The entity applied for a licens e and the reques t was Denied. The entity's licens e was Revoked and the entity is no longer authorized to conduct business. The entity failed to renew. Alternatively, this licens e s tatus is als o us ed for MLOs that were s us pended by adm inis trative action for failing to m eet Georgia's sponsorship requirement. An entity has been ordered to s urrender their approved licens e. The entity is not authorized to conduct business. The entity has reques ted a s urrender/cancelation of their licens e and the regulator has granted this surrender/ cancelation request.

MSB ACTIVITY BY CURRENT LICENSE STATUS

GA Check Casher License

Approved

NMLS# License#

Company Name

1385235

46851

YOGIS QUIK STOP INC

1404447

47315

Antaryami, Inc

1402198

47330

428 Lake, LLC

1411518

48045

Mata Ashapuri inc

1415780

31315

ALL IN ONE VENTURES INC.

1394528

47738

Nitya Inc

1414200

48203

SAYAL19 LLC

1409741

47776

Conley prime LLC

1406412

47613

GS & KC INC

1231278

22786

GHANSHYAM PATEL

1421474

48292

JAI MA MELDI INC

1385250

43143

SWAMINARAYAN USA LLC

1377841

48296

FASTLANE CHECK CASHING ACWORTH LLC

1431185

48295

SEAN INTERNATIONAL LLC

1415890

47835

L&K Express, LLC

1413902

47908

K-VA-T Food Stores, Inc.

1433424

48478

Amina Mart

1433106

48457

VIRPANATH INC

1435239

48484

WILLIAMSON 1984 LLC

1427758

48294

west side liquor inc

Date 10/02/2015 10/02/2015 10/20/2015 10/20/2015 10/20/2015 10/20/2015 11/03/2015 11/03/2015 11/03/2015 11/05/2015 11/05/2015 11/06/2015 11/06/2015 11/12/2015 11/18/2015 11/18/2015 12/02/2015 12/02/2015 12/02/2015 12/08/2015

City DAHLONEGA Warner Robins Milledgeville Adairsville CHAMBLEE Guyton Americus Conley BROOKHAVEN VALDOSTA ALMA DORAVILLE Acworth NEWBORN Athens Abingdon atlanta GAINESVILLE GRIFFIN kennesaw

State GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA VA GA GA GA GA

Appendix 1 of 3

1377288 1431623 1424820 1433413 1433298 1439749 1445070 1443125 1443074

46690 48313 48057 42127 48483 48647 49006 48892 48838

Happy Go Lucky, Inc. DIYA SAMA 27 INC SSM USA INVESTMENTS, INC, AYUSHI ENTERPRISE INC MISCELANEA GUATE-MEX SEYAN GROUP INC PAYAL D 216 INC Kushi Ali Inc Sean Tara Management LLC

29
Denied

NMLS# License#

1387901

47002

A Z C. Store, Inc

Company Name

1
Terminated - Surrendered/Cancelled

NMLS# License#

Company Name

1266615

33462

CARNICERIA Y TIENDA CENTROAMERICA, INC

1246274

22394

Pawn Max, Inc.

1241188

9144

CHECK CASHERS 1 INC

1243218

30887

RAMIN INC

1241271

40935

MADHU N RAMAN CORPORATION

1232833

23447

Kemin Enterprises Inc.

1235242

23222

zahara enterprises inc

1254342

39351

WCF Group, LLC

1240703

33041

AMYSAM INC.

1230400

24269

BRINDAVAN INC

1242716

32386

shreedutta inc

1275507

35146

M&S investment of georgia,inc

1242149

41839

M & S Partners Llc

1246298

19798

TIME FINANCE, INC.

1268499

23308

Elliott's Marketplace, INC

1267183

21197

News Necessities Inc

1265815

23718

Big O's Package Store, Inc.

1232285

23340

TORINO,LLC

12/14/2015 Marietta

GA

12/22/2015 RINCON

GA

12/22/2015 GAINESVILLE

GA

12/22/2015 MOULTRIE

GA

12/22/2015 Cairo

GA

12/23/2015 ATLANTA

GA

12/30/2015 LOCUST GROVE

GA

12/30/2015 Stockbridge

GA

12/30/2015 Jonesboro

GA

Date 12/17/2015

City Roswell

State GA

Date 10/02/2015 10/05/2015 10/07/2015 11/03/2015 11/03/2015 11/12/2015 11/30/2015 12/01/2015 12/01/2015 12/01/2015 12/01/2015 12/01/2015 12/01/2015 12/07/2015 12/07/2015 12/07/2015 12/11/2015 12/11/2015

City

State

CARROLLTON

GA

Macon

GA

JONESBORO

GA

SNELLVILLE

GA

HOSCHTON

GA

perry

GA

MARIETTA

GA

East Point

GA

Jonesboro

GA

GAINESVILLE

GA

rincon

GA

cumming

GA

Duluth

GA

ATLANTA

GA

Conyers

GA

Alpharetta

GA

Columbus

GA

GRIFFIN

GA

Appendix 2 of 3

1241277 1267672 1240331 1238830 1271002

23910 22480 17775 25346 39079

Advanced Title Pawn Of Dalton, LLC Trouts Beverages, Inc. MONEY MARKET OF ATLANTA, INC. Om Star LLC dba Rocky's Liquor UMA INVESTMENT LLC

23

GA Money Transmitter License

Approved
NMLS# License#

Company Name

1238308

46574

Moon Inc

1200333

46430

Bannockburn Global Forex, LLC

1384867

47498

LumoXchange LLC

1435664

48520

SHEGER ENTERPRISE, LLC

4
Terminated - Surrendered/Cancelled

NMLS# License#

Company Name

1249882

29415

Frank Tax & Financial Services LLC

935628

22062

JUBA EXPRESS GROUP LLC

1243761

41433

Eyerus Money Transfer Service

3

GA Seller of Payment Instruments License

Approved
NMLS# License#

Company Name

1272156

45850

Tilia Inc.

1
Terminated - Surrendered/Cancelled

NMLS# License#

Company Name

1233299

22028

Point Financial Corporation

942586

17153

MEMO Financial Services, Inc.

2

12/14/2015 Dalton

GA

12/14/2015 Jasper

GA

12/16/2015 ATLANTA

GA

12/17/2015 Macon

GA

12/22/2015 CARTERSVILLE

GA

Date 10/06/2015 11/06/2015 11/13/2015 12/31/2015

City Boston Cincinnati Atlanta CLARKSTON

State MA OH GA GA

Date 10/19/2015 10/28/2015 12/16/2015

City Kennesaw FALLS CHURCH Clarkston

State GA VA GA

Date 12/18/2015

City San Francisco

State CA

Date 10/19/2015 10/29/2015

City Jonesboro Wormleysburg

State GA PA

Appendix 3 of 3