Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division QuarteMrolnythSluy mSummmaarryy ooff MMorotngaegye AScetrivviitciees Bfour sthineePsesrieosd AEncdtiinvgitAipersil 2007 for the Period Ending March 31, 2017 Inside this Issue: NMLS Electronic 2 Surety Bond Adoption Georgia New 2 Application and Amendment Checklists Upcoming Atlanta 3 Check Cashing Classes Upcoming Forsyth 3 Check Cashing Class Upcoming 2017 3 State Holidays Contact Information 4 APPENDIX: MSB Activity by Current License Status NMLS Money Services Businesses Call Report and 1st Quarter 2017 Quarterly Reporting The Department has adopted the NMLS Money Services Businesses Call Report (MSBCR) functionality for submission of routine financial and transactional reporting requirements by Seller of Payment Instrument and Money Transmitter Licensees. The NMLS MSBCR is now live in NMLS for the first quarter of 2017, with the initial report due 45 days after the first quarter end (May 15, 2017). Licensees should follow the instructions and directions provided by NMLS for completing the MSBCR requirement, in addition to updating the Uniform Authorized Agent Report. Licensees will also be required to continue to submit Average Daily Balance of Outstandings directly to the Department, outside of the NMLS, through the existing webform. All updates and resources will be posted on the MSB Call Report page on the NMLS Resource Center. Likewise, the Department will continue to communicate with its licensees for reporting requirements outside of NMLS. In addition to completing the Department's webform, agent/office information must be uploaded via the UAAR in the NMLS to complete your quarterly reporting. If you have no agents or offices, you must still report through the NMLS. Questions regarding the UAAR should be directed to the NMLS Call Center at 1-855-NMLS-123 (1-855-6657123). Please complete and submit all reports by May 15, 2017. Licensees that fail to file all required reports by the deadline will be assessed a fine of $1,000 and may subject their Georgia license to revocation. If you have additional questions, please e-mail the Department's MSB Section at msb@dbf.state.ga.us. Upcoming MSBCR Training Opportunities: Below is a list of future training opportunities that will be offered to licensees free of charge through the NMLS Learning Management System (LMS). Dates below are tentative and may be subject to change. April 11: Industry MSBCR Training April 18: Industry MSBCR Q&A Session APPENDIX License Status Approved Denied Revoked Terminated Expired Definition The entity has an Approved license. The entity applied for a license 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. Terminated Ordered to Surrender Terminated Surrendered/Cancelled An entity has been ordered to s urrender their approved licens e. The entity is not authorized to conduct business. The entity has requested a surrender/cancelation of their license and the regulator has granted this surrender/ cancelation request. MSB ACTIVITY BY CURRENT LICENSE STATUS GA Check Casher License Approved NMLS# License# Company Name 1574312 54160 Pramukh Swami Chatsworth LLC 1540454 53371 TRUSHA ROSWELL INC 1570434 53989 CASH FOR LESS LLC 1540441 53149 ELLENWOOD CHEVRON INC 1574319 54162 Kartikush Corporation 1300510 45408 APANI INCORPORATED 1562606 54494 H&AHN INVESTMENT LLC 1508812 51730 MGR SHREEJI INC 1530204 52371 BLESSING FOOD MART LLC 1240466 24424 Petrotech Investment, LLC 1570552 54208 WINTERS C LLC 1581805 54561 Karim Ali dba Geraro Grocery 1584983 54679 Macon Cash,LLC 1242093 39729 Plymel Foods LLC 1587765 54993 Jay Ganeshji,Inc 1574237 54229 PFJ Southeast LLC 1588927 55342 Raina Rakin Developments, LLC 1574644 54849 A & SAJID INC 1284799 35098 RED TOP LLC 1587014 30016 SADHIMA INC 1593499 55468 SH REDAN PACKAGE, LLC Date 01/09/2017 01/10/2017 01/10/2017 01/10/2017 01/11/2017 01/11/2017 01/11/2017 01/11/2017 01/12/2017 01/13/2017 01/18/2017 01/20/2017 01/26/2017 02/10/2017 02/13/2017 02/23/2017 02/23/2017 02/24/2017 03/01/2017 03/03/2017 03/07/2017 City State Chatsworth GA Atlanta GA JONESBORO GA Ellenwood GA Lakeland GA Manor GA GAINESVILLE GA DOUGLASVILLE GA CHAMBLEE GA Tucker GA DORAVILLE GA Griffin GA Macon GA Moultrie GA saint simons island GA Knoxville TN Altnata GA GILLSVILLE GA TEMPLE GA COLUMBUS GA STONE MOUNTAIN GA Appendix 1 of 7 1263860 1580503 1580539 1580517 1580512 1230396 19885 55135 55137 55134 54992 42708 El Rey Del Bajio, inc. Sugar Hill Quality Foods, L.L.C. Toccoa Quality Foods, L.L.C. Hartwell Tri-County Quality Foods, L.L.C. Cornelia Quality Foods, L.L.C. Keshav group llc 27 Denied NMLS# License# Company Name 1252365 34483 OMNI M CORPORATION 1 Terminated - Expired NMLS# License# Company Name 1250457 23106 J BARCLAY EXPRESS LLC 1278402 45716 J.D. Fletcher and Associates LLC 1246299 33753 JAI GAHNPATI INC. 1410220 47614 INSHA INVESTMENT GROUP LLC 1376458 46562 IN N Out Group LLC 1244138 16603 IMS GROUP, INC. 1246261 30886 Haynes Grocery Incorperated 1485860 50883 LANG INC 1375382 34760 7-11-9 gas and food mart inc 1241508 21875 Louisville Package Shop, Inc. 1247890 44775 LOS AMIGOS 1261536 36472 LITTLE RIVER GROCERIES LLC 1245696 37582 lazin business llc 1266476 21290 Jin, Hong S 1263943 39239 LARRY'S BEVERAGE OUTLET LLC 1230364 41019 Jai Sri Krishna, INC 1253352 23992 KRISHA MAAN INC 1238280 26251 Khodal Krupa, Inc. 1250380 21143 JONG WON ENTERPRISES INC 1241265 18252 JJoy Cashing Checks Services, L.L.C. 1231886 33811 Ji Kyung Song 03/17/2017 Dalton GA 03/20/2017 Buford GA 03/20/2017 Toccoa GA 03/20/2017 Hartwell GA 03/20/2017 Cornelia GA 03/22/2017 Elberton GA Date 03/28/2017 City OCILLA State GA Date 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 City MARIETTA Atlanta VALDOSTA GA ATLANTA Forest Park Atlanta Waycross Kennesaw warner robins Louisville ATHENS HAHIRA commerce Atlanta UNION CITY Gray MACON Warner Robins EAST POINT Gainesville Fort Valley State GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA GA Appendix 2 of 7 1257582 1238813 1254975 1264885 1252422 1231308 1250321 1256032 1240308 1236419 1233280 1433424 1270544 1276470 1415780 1504001 1252877 1245836 1254344 1241289 1249925 1326247 1238121 1269907 1235303 1264873 1269189 1381235 1256978 1242089 1276464 1242651 1359682 1249469 1228618 32121 33874 39950 36627 23561 19819 20935 44363 35941 43859 22091 48478 9148 23868 31315 51488 40256 20060 44532 22700 22030 45956 38427 24314 33768 30757 33690 46694 33546 30760 42645 29696 46182 40170 9041 JB POWER ENTERPRISE LLC LAXMI VAIBHAV LLC AMAN FOOD MART INC Friendship Services, LLC C & H Liquor Store, Inc. Bluestein, Inc. BJ Package Inc BACONTON INVESTMENTS INC B and D Petroleum, LLC AQIB INC Casey's Inc. Amina Mart Cash N Go Inc Amaan Enterprises Inc ALL IN ONE VENTURES INC. Adams Meat Market, INC. Abhijit & Manish, Inc. abai liquor store inc AASA FOOD MART INC A & N LLC ANDREA & ASSOCIATES INC DONGWOO, LLC Garv & Tilak, Inc. GARCIA ACCOUNTING AND TAX SERVICE, LLC galaxy development group llc Mc & Jeon, llc FNL LLC fatima business inc ELITE C STORE, INC c k chu enterprises ,inc dba chu's 2 El Bazaar Grocery Store, LLC GOLDEN JZ INC DOLOMA 5 CORPORATION DENISE L MORELAND DBA C&M SERVICES Danny A Newman, Inc 01/01/2017 GRIFFIN GA 01/01/2017 CHATSWORTH GA 01/01/2017 CHAMBLEE GA 01/01/2017 Bethlehem GA 01/01/2017 Atlanta GA 01/01/2017 Brunswick GA 01/01/2017 Powder Springs GA 01/01/2017 VALDOSTA GA 01/01/2017 Blue Ridge GA 01/01/2017 TUCKER GA 01/01/2017 cave Spring GA 01/01/2017 atlanta GA 01/01/2017 College Park GA 01/01/2017 Loganville GA 01/01/2017 CHAMBLEE GA 01/01/2017 Brunswick GA 01/01/2017 Duluth GA 01/01/2017 clarkston GA 01/01/2017 BUFORD GA 01/01/2017 BAXLEY GA 01/01/2017 HAZLEHURST GA 01/01/2017 GAINESVILLE GA 01/01/2017 Macon GA 01/01/2017 DULUTH GA 01/01/2017 macon GA 01/01/2017 decatur GA 01/01/2017 CHAMBLEE GA 01/01/2017 clarkston GA 01/01/2017 COVINGTON GA 01/01/2017 savannah GA 01/01/2017 Rome GA 01/01/2017 JONESBORO GA 01/01/2017 VALDOSTA GA 01/01/2017 BOGART GA 01/01/2017 Augusta GA Appendix 3 of 7 1447496 1443935 1256703 1230355 1263860 1246883 1381238 1230964 1256067 1263853 1273865 1380280 1443933 1240674 1465636 1265753 1496987 1263944 1274301 1273882 1267674 1264153 1243742 1443932 1447123 1245322 1274313 1237619 1242094 1277097 1238669 1457141 1245667 1232783 1443074 49215 49512 39747 9445 19885 23238 46696 23067 33031 33766 40788 46717 49514 24017 50629 12604 51306 39241 31903 23254 21095 33812 39594 49513 49152 31283 23699 23391 44244 35923 34316 49707 25493 43785 48838 D & G Burke Dawgs LLC Corner Grocery 2260 LLC Coosa Valley Financial Group, Inc. checks r cashed El Rey Del Bajio, inc. Shree Jala LLC rose services inc SIMREN INC Silver Tiger Enterprises, LLC Sikder Inc Shyamanna LLC Shrinathji Trading INC Shri New Khodiyar 2 LLC sky food 2009 inc. SHREE VAHANVATI INC sky international inc SHIVA ENTERPRISE INC SHINHAN ENTERPRISE, INC SFK Inc Seven Seas Bottle Shop Inc SAVEH ENTERPRISE, INC. rudra investments inc rsdp hospitalitly llc Shri New Khodiyar 1 LLC The Spirited Sportsman, Inc. WOO LI, INC. Won & Kim Investment, Inc WELLWOOD TWO LLC VIVEKI-NAVDEEP INC Video Tienda Jesus Maria #3 Video Tienda Jesus Maria #1 Usw trading llc SIYA INVESTMENTS LLC Tirumala Management,Llc. Sean Tara Management LLC 01/01/2017 Waynesboro GA 01/01/2017 Macon GA 01/01/2017 Rome GA 01/01/2017 smyrna GA 01/01/2017 Dalton GA 01/01/2017 Cochran GA 01/01/2017 conyers GA 01/01/2017 FAYETTEVILLE GA 01/01/2017 McDoungh GA 01/01/2017 atlanta GA 01/01/2017 JESUP GA 01/01/2017 Savannah GA 01/01/2017 Warner Robins GA 01/01/2017 jonesboro GA 01/01/2017 JACKSON GA 01/01/2017 marietta GA 01/01/2017 Adairsville GA 01/01/2017 ELLENWOOD GA 01/01/2017 Atlanta GA 01/01/2017 Powder Springs GA 01/01/2017 Norcross GA 01/01/2017 savannah GA 01/01/2017 douglasville GA 01/01/2017 Warner Robins GA 01/01/2017 Louisville GA 01/01/2017 COLLEGE PARK GA 01/01/2017 Stone Mountain GA 01/01/2017 DALTON GA 01/01/2017 ABBEVILLE GA 01/01/2017 Omega GA 01/01/2017 Moultrie GA 01/01/2017 Lawrencville GA 01/01/2017 MOULTRIE GA 01/01/2017 Loganville GA 01/01/2017 Jonesboro GA Appendix 4 of 7 1230007 1243242 1268513 1243221 1266480 1323473 1249462 1247354 1265782 1233056 1245646 1309468 1265793 1235280 1359710 1323726 1240466 1256674 1242093 1234707 1252356 1445070 1267615 1229128 1254955 1230402 1274282 1284799 1381507 1246288 1433298 1394528 1377288 1240338 1288863 43671 23073 39682 40284 20303 46052 21107 23835 31126 43744 23698 34484 44447 39265 20859 21582 24424 44576 39729 34347 34482 49006 20487 18081 33318 24162 33949 35098 46715 31846 48483 47738 46690 29767 45096 The Isaiah Corp. SW Kim,Inc. spynx properties investments LLC SPS BEVERAGE INC SOHANI ENTERPRISES INC SNH INVESTMENTS, INC Smart Financial UMI SALMA INC RADHE INC Patelleos inc P & C Check Cashing, Inc. Ocilla Liquor Store Inc Notch Seven Management LLC NJD ENTERPRISE LLC PCA FOOD STORES INC PENNY SAVER MARKET 1 Petrotech Investment, LLC PLEASANTDALE FOOD LLC Plymel Foods LLC Pawn Express of Newnan Inc. R AND N CORPORATION PAYAL D 216 INC RAZIA GROUP INC NIKUL ASSOCIATES, INC NIKEY LLC DBA CHEVRON FOODMART RDS Brothers Inc Neville, Dennis, Gary RED TOP LLC MITCHELLS INVESTMENTS INC riddhi foods llc MISCELANEA GUATE-MEX Nitya Inc Happy Go Lucky, Inc. MIRA ENTERPRISES Shannon Grocry & Tobacco,LLC 01/01/2017 Douglasville GA 01/01/2017 Atlanta GA 01/01/2017 LAWRENCEVILLE GA 01/01/2017 madison GA 01/01/2017 ELLENWOOD GA 01/01/2017 CAROLLTON GA 01/01/2017 Newnan GA 01/01/2017 AUSTELL GA 01/01/2017 Dalton GA 01/01/2017 BRUNSWICK GA 01/01/2017 Atlanta GA 01/01/2017 Ocilla GA 01/01/2017 College Park GA 01/01/2017 griffin GA 01/01/2017 LAGRANGE GA 01/01/2017 SAVANNAH GA 01/01/2017 Tucker GA 01/01/2017 atlanta GA 01/01/2017 Moultrie GA 01/01/2017 Newnan GA 01/01/2017 OCILLA GA 01/01/2017 LOCUST GROVE GA 01/01/2017 ATLANTA GA 01/01/2017 COOLIDGE GA 01/01/2017 Jackson GA 01/01/2017 Brunswick GA 01/01/2017 Columbus GA 01/01/2017 TEMPLE GA 01/01/2017 NORCROSS GA 01/01/2017 americus GA 01/01/2017 Cairo GA 01/01/2017 Guyton GA 01/09/2017 Marietta GA 01/09/2017 BERLIN GA 02/28/2017 Rome GA Appendix 5 of 7 1359695 1257579 46285 24272 HI FI EXPRESS LLC KAHAN CORPORATION 128 Terminated - Surrendered/Cancelled NMLS# License# Company Name 1230396 42708 Keshav group llc 1 GA Money Transmitter License Approved NMLS# License# Company Name 1561693 1460348 1561303 1271971 1486447 1488912 53675 53991 53990 51611 53270 52801 Freetradepay Inc Gloconnect Telecommunications Incorporated FJ Williams Inc Tipalti, Inc. Mercari, Inc. YapStone, Inc. 6 Terminated - Expired NMLS# License# Company Name 1161895 36095 Xpress Money Services Inc. 1384867 47498 LumoXchange LLC 1487712 50884 ADIKA GLOBAL LLC 1435664 48520 SHEGER ENTERPRISE, LLC 907743 33292 Century Union Services, LLC 1403399 49086 Payrion 1004470 18945 Kaah Group LLC 1427719 48587 The Globe Forex Transfer Inc 1226337 42941 Telmate, LLC 958702 44869 PNB REMITTANCE CENTERS, INC. 1443924 50049 PAYMOTECH FINANCE CORP 11 Terminated - Surrendered/Cancelled NMLS# License# Company Name 02/28/2017 ROME GA 03/28/2017 Thomaston GA Date 01/20/2017 City Elberton State GA Date 01/09/2017 01/09/2017 01/09/2017 01/11/2017 01/18/2017 03/31/2017 City Atlanta norcross Atlanta San Mateo San Francisco Walnut Creek State GA GA GA CA CA CA Date 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/01/2017 01/17/2017 City Piscataway Atlanta STONE MTN CLARKSTON Everett norcross Seattle Powder Springs San Francisco LOS ANGELES Fort Lauderdale State NJ GA GA GA MA GA WA GA CA CA FL Date City State Appendix 6 of 7 936775 30454 Keefe Commissary Network, L.L.C. 1 GA Seller of Payment Instruments License Approved NMLS# License# Company Name 1527313 936775 53996 30454 ROCKITCOIN, LLC Keefe Commissary Network, L.L.C. 2 Terminated - Expired NMLS# License# Company Name 1148599 37171 Swanson Services Corporation 1 03/13/2017 Saint Louis MO Date 01/10/2017 03/13/2017 City Chicago Saint Louis State IL MO Date 01/01/2017 City Denver State CO Appendix 7 of 7 Page 2 1st Quarter 2017 NMLS Electronic Surety Bond Adoption All new applicants for a money transmitter or seller of payment instrument license must utilize the Electronic Surety Bonds (ESB) feature through the NMLS to meet Georgia's surety bond requirements. For existing licensees, electronic bond conversion has begun. The deadline for conversion is December 31, 2017. Please refer to the ESB for Licensees resources on NMLS found at: http://mortgage.nationwidelicensingsystem.org/Pages/ESBforNMLSLicensees.aspx. New NMLS Electronic Surety Bond Training NMLS is offering a new Electronic Surety Bond Course available on the NMLS Resource Center. This e-learning tool consolidates all the information available on the Electronic Surety Bond process in one course. The course contains recorded webinars, documentation, workflows, and other valuable resources for Surety Companies, Surety Producers, and NMLS licensees. Topics include: NMLS Resource Center Information Creating and Managing your NMLS account Creating and Managing Associations Creating and Managing Electronic Surety Bonds Please visit the NMLS Resource Center for our most current checklists, which reflect the changes to accommodate the ESB adoption. Georgia New Application and Amendment Checklists Please visit the NMLS Resource Center for our most current checklists and jurisdictional forms. When making any change to your NMLS record, please consult the appropriate Amendment checklist. Using outdated forms will delay the processing of applications and other approval requests. Georgia Check Casher License Georgia Money Transmitter License Georgia Seller of Payment Instruments License New Application Amendment New Application Amendment New Application Amendment COMMONLY USED ACRONYMS CC -- Check Casher License Department -- Ga. Department of Banking and Finance ESB -- Electronic Surety Bond MSB -- Money Services Business MSBCR -- Money Services Businesses Call Report 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 1st Quarter 2017 Page 3 Upcoming Atlanta Check Cashing Class The Department offers a check cashing class that benefits first-time and experienced check cashers. These classes generally last about an hour. 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. The classes are limited to a maximum of seven attendees, so you must make an advance reservation by calling 770-986-1652 or emailing msb@dbf.state.ga.us. Reserve your seat now! We look forward to seeing you. Upcoming Atlanta Check Casher Class* June 7, 2017, 10:00 AM September 6, 2017, 10:00 AM December 6, 2017, 10:00 AM * Please note that the class schedule is subject to change Upcoming Forsyth Check Cashing Class Representatives from the Department will be speaking on Tuesday, June 20, 2017, at 10 a.m. at the Tift College State Offices in Forsyth, Georgia. This will serve as an opportunity for MSB Licensees to learn about the examination process as well as any updates regarding the Department's laws and rules. The class will take place at the following location: State Offices South at Tift Vinzant Classroom #113 300 Patrol Road Forsyth, GA 31029 Email msb@dbf.state.ga.us to reserve your seat(s). Be sure to provide your name(s), company name, and license number. If you are unable to attend this session, please refer to the information above for a listing of remaining Atlanta classes for 2017. Upcoming 2017 State Holidays--State Offices Closed State Holiday -- Will be observed on Monday, April 24th Memorial Day -- Monday, May 29th Independence Day -- Tuesday, July 4th Page 4 1st Quarter 2017 Department Contact Information NAME Fernando Ornelas, Supervisory Examiner Ana Contreras, Senior Assistant Financial Examiner Byron Larios, Assistant Financial Examiner E-MAIL ADDRESS fornelas@dbf.state.ga.us acontreras@dbf.state.ga.us blarios@dbf.state.ga.us PHONE# (770) 986-1313 (770) 986-1652 (770) 986-1639 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 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 e-mail address changes. Please be sure that your e-mail account does not divert Department e-mail to your spam or junk folder. 1st Quarter 2017 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 Page 5 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 economic growth and prosperity in Georgia. Sign-up to Receive this Publication This quarterly publication highlights topics and activities pertaining to the Department's regulation of state-licensed Money Service Businesses (MSBs). Notification is delivered to interested parties via e-mail. Licensee primary contacts are automatically subscribed to receive Department publications appropriate to their particular industry. If you would like to be added to our distribution list, please go to the Quick Links section on our homepage (dbf.georgia.gov) and click on Stay Connected. This will take you to our new subscription service provided by GovDelivery (also known as Granicus). Notifications regarding subscriptions will no longer be sent from dbfpress@dbf.state.ga.us but will originate from GADBF@public.govdelivery.com.