NDFI MONTHLY MORTGAGE SUMMARY Georgia Department of Banking & Finance-- Non Depository Financial Institutions Division MonthlMyoSnutmhlmy aSruymomf aMroyrotgfaMgoerAtgcatgiveitAiecstifvoitrieths efoPretrhioedPEenridoidngEAnpdirnilg2A0p0r7il 2007 Inside this issue: Page 1 Company 1 d/b/a Names Websites & 1 Advertising Administrative 3 Actions: How They Work Customer Service 4 Stars Administrative 5/6 Actions & Fine Data Licenses 7 Revoked, Expired...Denied Licenses 8 Approved & Reinstated NEWS ITEMS Company----D/B/A Names Often licensees comment on the fact that the Department has permitted the use of a company name by another company that is similar to their company's name or d/b/a (also known as "fictitious") name. Under Georgia law, O.C.G.A. Sections 14-2-401 (profit) and 14-3-401 (nonprofit), issuance of a name by the Secretary of State (SOS) simply means that the name is distinguishable for filing purposes from the names of other entities on the records of the Corporations Division of the SOS. Approval of a d/b/a name by the Department for a corporation for a license for a name properly approved by the SOS to do business in Georgia does not necessarily give a person the exclusive right to use of that name. Subsection (e) of the code sections cited above provides that "this chapter does not control the use of fictitious or trade names" and that "issuance of a corporate name does not affect the commercial availability of the name." name approvals. Generally, however, the Department does endeavor to review all submitted d/b/a names to prevent confusion on the part of the public with regard to licensees. If names are significantly different in spelling or some other manner as to preclude the Department from rejecting the use of the name by the company, then the approval and use of the name may be allowed, as approved by the Court. Therefore, licensees need to understand that approval of a corporate or d/b/a name by the Department as properly approved by the Secretary of State and the appropriate Court does not necessarily give a company exclusive right to the use of the name. Use of a d/b/a name, however, must be approved by the Department in order for that name to be used in the mortgage business by the licensee, and as noted, the Department endeavors to make distinctions as much as possible. Websites & Advertising Useful Links MORTGAGE FORMS: DBF.GEORGIA.GOV/ DBFMTGFORMS UPDATING LICENSE INFORMATION DBF.GEORGIA.GOV/ DBFMTGFORMS MORTGAGE SUMMARY DBF.GEORGIA.GOV/ DBFMTGSUMMARY D/B/A names are granted by the Clerk of the Superior Court in the Georgia county in which a licensee is domiciled or operates an additional (branch) office. There are 159 counties in the State of Georgia and each county operates autonomously with respect to fictitious or trade This has been a banner year for new license applications and approvals. In that vein, many of our new licensees are not familiar with the advertising requirements of the Georgia (Continued on page 2) Consumer Alert The Department of Banking and Finance has been contacted by another State's Regulator that the following website www.amcapitalloans.com which according to the site is domiciled in the State of Georgia at 41 Marietta St. NW, Atlanta, is reportedly taking advance fees from consumers for credit products and not extending credit to these consumers. This site is similar to a companion website www.amcorpcapital.com which is allegedly domiciled in the State of Massachusetts. Consumers are advised to avoid any lending programs that require the submission of fees or monies prior to the extension of credit, since this is not a normal and customary credit practice. The entities noted are NOT licensed by the Department of Banking and Finance pursuant to the Georgia Residential Mortgage Act, nor are they licensed by the Insurance Department pursuant to extending loans under $3,000 under the Georgia Industrial Loan Act. Page 2 Websites & Advertising (Continued from page 1) without the words "Georgia Residential Mortgage Licensee" or, for those advertisers licensed in more than one state, a listing of Residential Mortgage Act (GRMA), as discovered during renewals. Georgia as a state in which the advertiser is licensed." So, to help licensees avoid issues and resulting fines related to advertising, particularly on websites, this reminder is being Prevalent problems noted at this renewal are that many licensees printed. are not listing their Georgia license number on their website or do not note Georgia as a state in which they are licensed (multi- Licensees must register their web site domain names with the state), or do not state "Georgia Residential Mortgage Licensee." Department as a d/b/a name (see previous article) if it is In many of these cases the significantly different domain name/ different from the name(s) licensed/registered with the URL is not registered as a d/b/a name. Understand that fines Department. A web site name is a d/b/a name and as such must will be assessed for failure to register the name and for failure to be registered with the Department pursuant to the requirements properly advertise the license number, address, or meet the of O.C.G.A Section 7-1-1006(d) which states that "No licensee other requirements. may conduct business under any name other than that designated in the license." Further, "advertisement" as defined in For proper registration of domain names with the Department, Department Regulation 80-11-1-.02(f), means material used or the names must be registered as d/b/a (trade) names with the intended to be used to induce the public to apply for a mortgage Superior Court Clerk in the Georgia county/counties where or loan. Web sites are considered advertisements, and must contain from which business is conducted. If there is no Georgia the name(s) used, an office address which conforms with the location, d/b/a names should be registered with the appropriate address on record with the Department, and the license number. authority in the licensee's home state. The recorded registration document(s) and surety bond or bond rider should be sent to the Web sites must also contain the words "Georgia Residential Department. After the appropriate documents are received and Mortgage Licensee" or list Georgia as a state in which the there are no conflicts with approved registered names of other licensee is licensed to do business if licensed in more than one licensees, the web domain name d/b/a will be added to the state. Any unregistered d/b/a name which comes to the licensee's record and displayed on the Department's web site. attention of the Department will subject the licensee to a The form to be used to apply for the approval of the d/b/a name minimum $500 fine. is available on the Department's web site at: Advertising regulations require the following: [O.C.G.A. Section dbf.georgia.gov/dbfmtgforms 7-1-1016(2) and (3)]: Licensees wishing to use a fictitious or d/b/a name should use "(2) All advertisements disseminated in this state by a licensee this form and submit it with the required documentation as noted or a registrant shall contain the name, license number, and an in the instructions. If you have additional questions regarding office address of such licensee or registrant, which shall conform domain registration, please do not hesitate to contact the to a name and address on record with the department; and Department. (3) No licensee shall advertise its services in Georgia in any media disseminated in this state, whether print or electronic, NDFI UPCOMING SPEAKING ENGAGEMENTS None Scheduled Page 3 Administrative Actions How They Work There continues to be some confusion regarding the impact administrative actions have on licensees, and against those who are not licensed. A licensee must check the Department's website to ensure their potential employees do not have an outstanding Cease & Desist or Consent Order issued by the Department, as well as to determine if any broker or lender you conduct business with is not prevented from doing business in the state, be it by failure to obtain a license, or by sanctions issued against the license, such as a revocation. A major point of confusion hinges on the fact that the Department cannot issue a revocation against a company or person for doing mortgage business if they have been operating without the required license. Therefore, in order to sanction those individuals or companies, a Cease and Desist Order (C&D) is issued ("Cease this unlicensed activity.") In addition to companies or individuals working in the industry who fail to get the required license, persons issued a C&D may also include employees of licensees who, for example, may have been paid on a 1099 basis or who may have been working for two companies at the same time. Cease and Desist Orders issued against any of the aforementioned entities prevent them from working in the mortgage industry in Georgia, by either obtaining their own license or by working for a licensee, for a period of years as prescribed by the statutes, commencing from the date the order became final. By contrast, licensees against whom a Cease and Desist Order has been issued are usually able to continue operating in the industry, as these orders are generally issued to effect changes in business practices in lieu of license revocation. REMINDER Financial Statements The Department would like to remind licensees, particularly lender licensees, that financial statement filings are no longer required by the Department at any time, including at renewal. The GRMA was changed in 2005 to eliminate the net worth requirement as a means for qualifying for a license, providing instead for a surety bond or letter of credit in the amount of $150,000 for lenders, and $50,000 for brokers. Therefore, submission of financial statements is no longer required, so please DO NOT submit these statements unless specifically requested to do so by the Department. An exception to this general rule would be a C&D issued for failure to meet the financial standards for licensing, particularly Cease & Desist Orders issued for failure to maintain the required surety bond. Failure to meet the standard results in expiration, not revocation, of a license if not corrected. Once final, the license is shown as "Expired," not "Revoked." Often employees of licensees, or the companies themselves, are issued Consent Orders, similar in purpose to a Cease and Desist Order against a licensee. However, these have specific terms and conditions which must be met by the person receiving the Order, and often the terms may be such that a person may not work in the industry for a specified period of time, may work but may not hold specific positions, such as a branch manager, officer, etc. Licensees should check for outstanding Orders on the web at dbf.georgia.gov/dbfmtg and then choose the link for Cease and Desist or Consent Orders. Please be aware that if a prospective employee has an outstanding Consent Order, a copy of the Order should be requested from the Department to determine the restrictions that are in place on that employee or potential employee regarding working in the industry in Georgia. To check for license status, go to the website noted above and click on Mortgage Licensee Search Page. The status screen, shown above, puts licensee information in color coded areas regarding license status. Those color codes are noted below. RED indicators mean the person is not a valid licensee. Other information, such as branch listings, is also available. Page 4 DBF's Customer Service Stars for the Month of April It is the Department's goal to provide excellent customer service, meeting and exceeding the expectations of our customers. Along those lines, we would like to recognize the following individuals or groups for going above and beyond in serving our customers: Irene Harper, Applications Analyst (Non-Depository Financial Institutions): The Department received comments in a customer satisfaction survey stating: "I have spoken with Irene two times on different occasions and the level of service she provided was excellent. Also, the fact that Mrs. Harper treated me with respect and dignity when requesting information was great." Brenda Harrell, Secretary III (Non-Depository Financial Institutions): The Department received comments in a customer satisfaction survey stating: "Brenda Harrell is extremely informative about the requirements in licensing. Her communication about the status of our applications is outstanding and much appreciated." Rod Carnes, Deputy Commissioner for Non-Depository Financial Institutions, Janet Anderson, Review Examiner, and Dawn Schlich, Accounting Manager (Main Office): Rod received an e-mail from a customer stating: "The matter of an erroneous late fee for semi-annual payment has been resolved. Please pass along my thanks to Dawn and Janet for their help. Thank you, too for dealing with this matter - even on an out-of-town basis!" 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, lenders, and processors, 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. ServiceOriented. CONGRATULATIONS AND GREAT JOB TO THIS MONTH'S CUSTOMER SERVICE STARS!! Administrative Actions CEASE AND DESIST ORDERS--ISSUED Page 5 Ameritrust Mortgage Company, LLC, Charlotte, NC (license no. 16051) Cease and Desist Order issued March 29, 2007 became final on April 30, 2007. Apex Financial Group, Inc., Brandon, FL Cease and Desist Order issued March 23, 2007 became final on April 23, 2007 Coats & Co., Inc., Birmingham, AL (license no. 6507) Cease and Desist Order issued March 1, 2007 became final on April 2, 2007. Corestar Financial Group, LLC, Timonium, MD (license no. 18919) Cease and Desist Order issued March 5, 2007 became final on April 2, 2007. Cross, Amelda Y. dba A&N Investment Group, Marietta, GA Cease and Desist Order issued March 20, 2007 became final April 20, 2007. Financial Vue, Inc., Atlanta, GA, Atlanta, GA, (license no. 21358) Cease and Desist Order issued March 29, 2007 became final on April 29, 2007. First American Realty Capital Corp., Atlanta, GA (license no. 15179) Cease and Desist Order issued March 6, 2007 became final on April 5, 2007. FirstSouth Financial Services, Inc. (AR), Little Rock, AZ (license no. 19703) Cease and Desist Order issued March 29, 2007 became final on April 30, 2007. Hines, Sheila, Fayetteville, GA Cease and Desist Order issued March 23, 2007 became final on April 13, 2007. Home123Corporation, Irvine, CA (license no. 15212) Cease and Desist Order issued March 29, 2007 became final on April 30, 2007. New Century Credit Corporation, Irvine, CA (license no. 16340) Cease and Desist Order issued March 29, 2007 became final on April 30, 2007. New Century Mortgage Corporation, Irvine, CA (license no. 12127) Cease and Desist Order issued March 29, 2007 became final on April 30, 2007. OCM, Inc. (California) aka HelpUFinance.com, Santa Ana, CA, (license no. 20571) Cease and Desist Order issued March 6, 2007 became final April 5, 2007. FINAL CONSENT ORDERS --ISSUED Commons People Mortgage, Inc., Norcross, GA (license no. 20175) Consent Order issued on April 2, 2007 became final on April 2, 2007. Gray, Xavier, Jonesboro, GA Consent Order issued on April 2, 2007 became final on April 2, 2007. Page 6 FINAL CONSENT ORDERS --ISSUED (Continued) Whitehead, Teresa, Duluth, GA Consent Order issued on April 2, 2007 became final on April 2, 2007. WorldWide Financial Group, Inc., Jonesboro, GA (license no. 12323) Consent Order issued on April 2, 2007 became final on April 2, 2007. CEASE AND DESIST ORDERS--LIFTED OR RESCINDED ARC Mortgage, Inc., Statesboro, GA (license no. 20352) Cease and Desist Order issued February 2, 2007 was rescinded on April 2, 2007. SUPERIOR COURT INJUNCTIONS None. FINE PUBLICATION Information regarding fines assessed against a specific licensee and against whom there are no pending administrative actions, is available on an individual licensee basis by submitting a written request to the following e-mail address: dbfmort@dbf.state.ga.us FINE REASON 1 Licensee fined for Advertising Violations 1 Licensee fined Acq of 25% ownership w/o approval 2 Licensees fined for Background Checks Violation 4 Licensees fined for Books & Records 1 Licensee fined for Chg in Mgt w/o approval 1 Licensee fined for Violation of Cease & Desist Order 6 Licensees fined for Continuing Education Data Filed 1 Licensee fined for Loan Files not properly maintained 1 Licensee fined for Check returned for insufficient funds 1 Licensee fined for Doing business w/ unlicensed entity 339 Licensees fined for Renewal File Late LICENSEES/REGISTRANTS REVOKED, EXPIRED, SURRENDERED, WITHDRAWN OR DENIED IN APRIL 2007 ID# NAME 6507 COATS & CO INC CD REVOKED EXPIRED SURRENDERED WITHDRAWN LD 04-02-2007 7245 AAMES CAP CORP LD 7321 COASTAL HMS INC BD 12127 NEW CENTURY MTG CORP LD 04-30-2007 04-16-2007 04-03-2007 12246 12323 14098 14146 14475 15179 CREVECOR MTG INC WORLDWIDE FINL GRP, INC NY MTG CO LLC SUCCESS MTG INC 1ST CONSOLIDATED MTG CO FIRST AMERICAN REALTY CAP LD BD 04-02-2007 LD BD LD LD 04-05-2007 04-11-2007 04-11-2007 04-06-2007 04-10-2007 15212 HOME 123 CORP LD 04-30-2007 15370 PEACHTREE RES MTG LP LD 15603 CHOICE MTG GRP INC BD 16051 AMERITRUST MTG CO LLC LD 04-30-2007 04-26-2007 04-05-2007 16340 NEW CENTURY CREDIT CORP LD 04-30-2007 18341 BROWN, JACQUELINE A BD 18561 PROVISION MTG CORP BD 18919 CORESTAR FINL GRP LLC LD 04-02-2007 04-05-2007 04-17-2007 19390 ADA RE LENDING INC LD 19419 ONE CHOICE MTG INC BD 19455 OMNISOURCE MTG INC BD 19552 RES MTG LOAN SVCS INC BD 19663 IHOMEOWNERS INC BD 19703 FIRSTSOUTH FINL SVCS INC BD 04-30-2007 04-10-2007 04-06-2007 04-03-2007 04-10-2007 04-24-2007 20175 20323 20571 COMMONS PEOPLE MTG INC ATTAIN MTG INC OCM INC (CA) BD 04-02-2007 LD BD 04-05-2007 04-24-2007 20631 FREEDOM FIRST MTG & FIN BD 20998 OXFORD MTG CORP LLC BD 21078 UNITED PACIFIC MTG LD 21162 LIGHTHOUSE MTG GRP LLC BD 21358 FINL VUE INC LD 04-29-2007 04-10-2007 04-16-2007 04-16-2007 04-03-2007 21609 SKYSTONE MTG GRP INC LD 21824 ATLANTIC MTG FINANCING IN BD 21935 MTGS BY PRIME INC BD TOTAL: 35 04-17-2007 04-06-2007 04-26-2007 Page 7 DENIED Page 8 ID# 22147 22169 22201 22269 22270 22272 22275 22276 22289 22308 22310 22312 22319 22322 22324 22338 22343 22361 22362 22384 22385 22386 22388 22389 22390 22391 22399 22400 22403 22405 22411 22413 22418 LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2007 COMPANY NAME Equinox Corporation (Delaware) Westland Funding Group, Inc. CITY Irvine Jupiter ST MB CD CA P FL B ORIGINAL APPROVAL 04-06-2007 04-06-2007 RENEWAL 04-06-2007 04-06-2007 REINSTATED Allstate Lending Services, Inc. Amber Financial Group, LLC E-Approve Mortgage Corp. Silver MD L Spring San Diego CA L Annandale VA B 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 K. Hovnanian American Mortgage, LLC Capital Quest Corp. Magellan Mortgage Corporation Liberty Reverse Mortgage Incorporated Mortgage Services of Georgia Incorporated Stock Loan Services, LLC Boynton Beach Saint James Costa Mesa Rancho Cordova Hudson Raleigh FL L NY B CA B CA L FL B NC L Jayco Capital Group (Inc.) Ambassadors Mortgage, LLC Newport Beach Marietta CA L GA B Plaza Home Mortgage, Inc. San Diego CA L Southern Mortgage Solutions, LLC Macon GA B Christian Wiser Consulting, Inc. Grand MI B Rapids Wilog Income Tax and Financial Services, Inc. Austell GA B Northside Capital Corp. (New York) Pembroke FL B Pines Homesense, Inc. Douglas GA B Riverside Financial Group, LLC Cumming GA L Parish Lowrie Jasper GA B 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 Streamline Home Loans, Inc. NewCastle Home Loans, LLC Nationside Mortgage, Inc. McDonoug GA B h Chicago IL L Rockville MD B 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 Future Lending Group, LLC Smyrna GA B 04-06-2007 04-06-2007 Oglethorpe Mortgage Company, Inc. Rincon GA B First Atlanta Mortgage, Inc. Bayview Mortgage Corporation Stone GA B Mountain Roswell GA B 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 Residential Credit Solutions, Inc. All In One Mortgage/ Broker Services, Inc. Red Door Mortgage, LLC Fort Worth TX L Douglas- GA B ville Atlanta GA B 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 First Choice Mortgage Group, LLC Amerimax Mortgage Corporation Douglas- GA B ville Bethlehem GA B 04-06-2007 04-06-2007 04-06-2007 04-06-2007 Page 9 ID# 22422 22423 22424 22426 22430 22431 22441 22445 22447 19321 20105 21385 22265 22266 22299 22320 22341 22401 22410 22427 22452 22470 20114 21274 22404 22416 22461 22462 22469 22486 22171 22259 22432 22451 22468 22489 LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2007 COMPANY NAME Cornerstone Finance Corporation CITY Chamblee ST MB CD GA B ORIGINAL APPROVAL 04-06-2007 RENEWAL 04-06-2007 REINSTATED Solutions Lending, LLC Indianapolis IN L Atlantic Mortgage Direct, LLC Fairfax VA B First Rate Capital Corp. Melville NY L Continental Lending Services, Inc. Smith Realty Services Corporation Lawrenceville Ellenwood GA B GA B EquiFirst Corporation Charlotte NC R The Lending Coach, Inc. Maietta GA B 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 04-06-2007 Premier Loan Center, Inc. Norcross GA B 04-06-2007 04-06-2007 American Home Mortgage Acceptance, Inc. # Capital Lending Group, Inc. * Presidio Mortgage, LLC Melville Duluth Atlanta NY R GA L GA B 09-17-2004 03-18-2005 04-13-2007 04-13-2007 04-13-2007 04-13-2007 Charles Cardwell Warnock Jasper GA B Mark Gable Hutchens Morrow GA B Warshaw Capital, LLC Stamford CT B Affordable Realty & Mortgage Group, Inc. Integrity Mortgage of Georgia, LLC Hollywood Atlanta FL B GA B Prime America Mortgage, Inc. Forest Park GA B Evest Lending, Inc. Westbrook ME L Gateway Home Capital, LLC Woodstock GA B 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 04-13-2007 BnB Mortgage Company, Inc. Atlanta GA B Goldman, Sachs & Co. (LP) New York NY R The Mortgage Center Group, LLC * Macon GA L Augusta Home Lending, Inc. * Augusta GA L Wayne A. Courtney Bronx NY B Integrity Financial Consultants, LLC Dewitt MI B Gotham Mortgage Corporation Boca Raton FL L Smart Funding Corp. Sante Ana CA L 04-13-2007 04-13-2007 02-11-2005 05-12-2006 04-20-2007 04-20-2007 04-20-2007 04-20-2007 04-13-2007 04-13-2007 04-20-2007 04-20-2007 04-20-2007 04-20-2007 04-20-2007 04-20-2007 Elite Financial Mortgage, Inc. Suwanee GA B 04-20-2007 04-20-2007 Sloan Mortgage Group, Inc. Fairmont Funding, Ltd. Nationwide Home Loans, Inc. New Western Mortgage, LLC Winter Park FL L New York NY L Ft. Lauder- FL L dale Westminster CO B 04-20-2007 04-27-2007 04-27-2007 04-27-2007 04-20-2007 04-27-2007 04-27-2007 04-27-2007 Georgia Acceptance Mortgage Company, LLC Tu Casa & Associates, Inc. Conyers Buford GA B GA B 04-27-2007 04-27-2007 04-27-2007 04-27-2007 First United Mortgage Of America, Green Acres FL B Inc. 04-27-2007 04-27-2007 Page 10 LICENSEES/REGISTRANTS APPROVED OR REINSTATED IN APRIL 2007 ID# COMPANY NAME CITY ST MB ORIGINAL RENEWAL REINSTATED CD APPROVAL 22493 22497 22509 Global Mortgage, LLC Provenance Mortgage Corp. F & H Mortgage Group, LLC 20352 ARC Mortgage, Inc. Atlanta GA B Marietta GA B Lawrence- GA B ville Statesboro GA B 04-27-2007 04-27-2007 04-27-2007 05-13-2005 04-27-2007 04-27-2007 04-27-2007 04-06-2007 04-06-2007 TOTAL: 73 * Upgrade Broker to Lender + Downgrade Lender to Broker # Upgrade Lender to Registrant Downgrade Registrant to Lender MB CODES B = BROKER L = LENDER R = REGISTRANT P = PROCESSOR Georgia Department of Banking and Finance Page 11 The Department of Banking and Finance's 2006 Annual Report is available on the web. 2990 Brandywine Road Suite 200 This year's report has a new look that you will Atlanta, Georgia 30341-5565 hopefully find informative, interesting and concise. Phone: (770) 986-1136 Fax: (770) 986-1654 or 1655 Email: dbfmort@dbf.state.ga.us The Deputy Commissioners and the Director for Communications & Planning have listed the 2006 highlights for their respective areas of responsibility. As you will see, 2006 was a very busy and dynamic year for the Department, as well as for many facets of the financial industry. We're on the Web! dbf.georgia.gov To obtain a copy, visit the web at: http://dbf.georgia.gov/dbfpublications Sign-up to Receive this Publication: This publication is delivered to interested parties via e-mail and is also available from the Department's website at:: http://dbf.georgia.gov. If you would like to be added to our distribution list, please send an e-mail to dbfpress@dbf.state.ga.us and indicate your name, the company you are with, and your phone number.