Monthly Mortgage Summary Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division Monthly SummaMroyntohflyMSoumrtmgaargyeoAf MctoirvtgitaigeesAfcotirvitthiees fPoerrtihoedPEernidodinEgndDiengceAmprbile2r0027012 Inside this Issue: 2013 License / 2 Registration Renewal Period Has Ended Georgia 2 Residential Mortgage Act Fee Reminder 2013: New Year, 3 Same Rules 2013 State 4 Holidays Administrative 4 Actions Fine Information 5 Licenses Revoked, 6 Withdrawn or Expired Licenses Approved 7 or Reinstated List of 2013 10 Licensees / Registrants Renewed to Date Customer Service 11 Stars Contact 12 Information Mortgage Call Report Reminder This is a reminder that the MCR required by O.C.G.A. Section 7-1-1004.1 is due within 45 days of the end of every calendar quarter. Fourth quarter data (October 1 December 31, 2012) must be filed through the NMLSR by February 14, 2013. Reporting is required even if no Georgia residential mortgage loans were made during the quarter. Companies that fail to file quarterly MCRs prior to the deadline will be assessed a fine and may subject their Georgia license to revocation. Any outstanding fines owed to the Department must be paid through its secure website at: https://bkgfin.dbf.state.ga.us/MortgageDocs/MtgFinePay.html. For more information about the requirements surrounding the MCR, please refer to the NMLSR website at: http://mortgage.nationwidelicensingsystem.org/slr/common/mcr/Pages/default.aspx "Safeguarding Georgia's Financial Services" Page 2 December 2012 2013 License / Registration Renewal Period Has Ended The Annual License/Registration Renewal Period for 2013 has ended. A licensee/registrant that has a complete renewal application (i.e., renewal application filed, and all fines and renewal fees paid) pending through the Nationwide Mortgage Licensing System and Registry as of December 31, 2012, can continue to work as a mortgage loan originator, mortgage broker or mortgage lender unless and until there is a surrender/withdrawal of the license/registration or a final order of revocation is issued by the Department. If a mortgage licensee/registrant did not file an application for renewal by December 31, 2012, the license/ registration expired by operation of law effective January 1, 2013, and the licensee/registrant must reapply through the NMLSR. Georgia Residential Mortgage Act Fee Reminder The $10.00 per loan fees required by O.C.G.A. Section 7-1-1011(b)(2) and Department Rule 80-5-1-.04 are due no later than March 1, 2013, for residential mortgage loans closed during the period July 1, 2012, through December 31, 2012. A $10.00 fee will be due if the loan is a residential mortgage loan as defined in the Georgia Residential Mortgage Act ("GRMA"), and if a security deed, a modification of a security deed or other form of modification of a security interest is recorded. Financial institutions, mortgage licensees and registrants that act as the collecting agent (including brokers that table fund and collect the fee) must submit the fees and file the fee statement before the deadline to avoid fines. Per Department Rule 80-5-1-.04(b), GRMA per loan fee reporting / remittance must be completed online through the Department's secure website. Reporting is required even if no residential mortgage loans were made and no fees are due. To avoid fines for failure to report / remit GRMA fees, reporting must be completed by the deadline noted above. Reporting and fee payment must be done online from our secure website at: https://bkgfin.dbf.state.ga.us/GRMAFee.html. COMMONLY USED ACRONYMS CE -- Continuing Education Department -- Georgia Department of Banking and Finance GRMA -- Georgia Residential Mortgage Act MCR -- Mortgage Call Report MLO -- Mortgage Loan Originator NMLS or NMLSR -- Nationwide Mortgage Licensing System & Registry December 2012 Page 3 2013: NEW YEAR, SAME RULES On November 19, 2012, the Consumer Financial Protection Bureau ("CFPB") and the Federal Trade Commission ("FTC") issued warning letters to nonbank mortgage companies regarding their deceptive advertisements to consumers. The issued letters have spawned at least six formal investigations by the CFPB. Not only must mortgage industry professionals comply with federal laws and rules, Georgia mortgage industry professionals and companies must be sure to comply with the Georgia Residential Mortgage Act and Department Rules. The Department takes advertising violations seriously and is concerned with deceptive advertising. It is important to remember that each mortgage lender and broker must maintain samples of its advertisements, as the Department may examine its licensees' books and records, including advertisements. Morgan Clemons is an attorney with the NonDepository Financial Institutions Division The CFPB and FTC letters refer to possible violations of the 2011 Mortgage Acts and Practices Advertising Rule ("The Rule"). The Rule prohibits misrepresentations in advertising about government affiliations and interest rate terms. Similarly, no person advertising Georgia mortgage loans may indicate or imply that interest rates are recommended, approved, set, or established by the state. Additional violations of the Rule include misrepresentations that a commercial communication is made by or on behalf of the consumer's current mortgage lender or servicer and misrepresentations that a consumer has been pre-approved or is guaranteed to qualify for a specific rate, refinance, or modification. Similarly, Georgia law places restrictions on advertisements by requiring that the advertisement state that the person disseminating it is not authorized by, in sponsorship with, or otherwise affiliated with the individual's lender. Violations of the Rule subject mortgage companies to enforcement actions and civil penalties. Similarly, Department rules allow for the assessment of a $500 fine for each violation of advertising requirements. The Rule provides a provision for actions by states against violators. As we start the New Year, take time to assess your company's advertisements. Does your entity send "legal" notices for modifications that purport to be from the consumer's lender? Does your entity imply an affiliation with state or federal programs? Do you solicit and sell mortgage leads? Make sure your solicitations do not violate the advertising rules or subject you to a cease and desist order from the Department. Violation of state and federal laws and rules may subject your company to double fines and actions. Page 4 December 2012 2013 State Holidays In accordance with O.C.G.A. 1-4-1, Governor Nathan Deal proclaimed the following dates in 2013 as public and legal state holidays when the Capitol and all State agencies will be closed: Holiday Name New Years Day 2013 Robert E. Lee's Birthday Martin Luther King Jr.'s Birthday Washington's Birthday Confederate Memorial Day Memorial Day Independence Day Labor Day Columbus Day Veterans' Day Thanksgiving Day Christmas Day Date Observed January 1st Tuesday January 19th Saturday Will be observed on Friday, November 29th January 21st Monday February 18th - Monday Will be observed on Tuesday, December 24th April 22nd Monday May 27th Monday July 4th Thursday September 2nd Monday October 14th Monday November 11th Monday November 28th Thursday Lee's Birthday will be observed on Friday, November 29th December 25th Wednesday Washington's Birthday will be observed on Tuesday, December 24th ADMINISTRATIVE ACTIONS Consent Orders Which Became Final Aapex Financial Solutions, LLC, Charlotte, NC (license# 24089) - Consent Order issued 12/04/2012 became final 12/04/2012. American Equity Mortgage, Inc., St. Louis, MO (license# 13015) - Consent Order issued 12/21/2012 became final 12/21/2012. Coker, Jacob W., Columbia, SC (license# 32063) - Consent Order issued 12/04/2012 became final 12/04/2012. Daughhetee, Deanna Lynn, St. Louis, MO - Consent Order issued 12/21/2012 became final 12/21/2012. Huddleson, Margaret, Cornelius, NC - Consent Order issued 12/04/2012 became final 12/04/2012. December 2012 Page 5 ADMINISTRATIVE ACTIONS (continued) Consent Orders Which Became Final (continued) Nationwide Bi-Weekly Administration, Inc., Xenia, OH (license# 35655) - Consent Order issued 12/28/2012 became final 12/28/2012. Cease and Desist Orders Which Became Final Carlton, Brenda, Peachtree City, GA - Order to Cease and Desist issued 11/20/2012 became final 12/21/2012. Litvin Law Firm, P.C., Brooklyn, NY - Order to Cease and Desist issued 11/21/2012 became final 12/26/2012. Network Marketing, LLC, Peachtree City, GA - Order to Cease and Desist issued 11/16/2012 became final 12/18/2012. TLA Foreclosure Prevention, Atlanta, GA - Order to Cease and Desist issued 11/16/2012 became final 12/18/2012. W.O.M. Clayton Capital, LLC, Peachtree City, GA - Order to Cease and Desist issued 11/20/2012 became final 12/21/2012. WOM Capital, LLC, Peachtree City, GA - Order to Cease and Desist issued 11/20/2012 became final 12/21/2012. WT Lee & Associates, LLC, West Valley City, UT - Order to Cease and Desist issued 11/20/2012 became final 12/21/2012. Fine Information FINE REASON AND COUNT 3 Fines for Books and Records 1 Fine for Employment of a Felon 197 Fines for Continuing Education Data Filed Late 3 Fines for Failure to Report Violations/Discharges 2 Fines for Doing Business w/ Unlicensed Entity 1 Fine for Acquisition of 25% ownership w/o approval 1 Fine for Loan files not properly maintained 6 Fines for Failure to Perform Background Check 2 Fines for Advertising 275 Fines for Renewal Filed Late 1 Fine for Violation of Cease & Desist Order 1 Fine for Miscellaneous Other 1 Fine for Prohibited Acts 62 Fines for Mortgage Call Report Filed Late in NMLS Page 6 December 2012 MORTGAGE BROKER AND LENDER LICENSEES / REGISTRANTS REVOKED OR WITHDRAWN IN DECEMBER 2012 GRMA# NMLS# CODE NAME 24009 149702 LD Consumer Solutions 4, LLC (Delaware) 19393 39544 LD Myers Park Mortgage, Inc. 24061 175431 BD Medley, Matthew Clayton 23636 56528 LD TNI Finances, Inc. 32220 458336 LD Ashton Woods Mortgage, LLC 32255 458208 LD AIReS Mortgage Solutions, LLC TOTAL: 6 CITY Hopkins Charlotte Rome Uniondale Alpharetta Pittsburgh ST REVOKED WITHDRAWN MN 12/04/2012 NC 12/13/2012 GA 12/31/2012 NY 12/31/2012 GA 12/31/2012 PA 12/31/2012 MORTGAGE LOAN ORIGINATOR LICENSEES REVOKED OR WITHDRAWN IN DECEMBER 2012 GRMA# NMLS# CODE NAME 26283 192712 OD Terri Lynn Mosby 29025 77945 OD Brian Burton Davidson 33610 824569 OD Lonnie Joseph Schatz 24823 227055 OD Todd Ira Prior 32704 54094 OD Elizabeth Ross Johnson 33705 847921 OD Warren Jay Trangsrud 24542 13350 OD Matthew Alan Taylor 24743 174699 OD Matthew Clayton Medley 25327 119853 OD Daniel Dale Poole 27604 186412 OD Suzie G. Levora 28110 233771 OD Joann Smith 28763 112654 OD John Arnold Paxton 29799 315623 OD Philip Anthony Carter 31297 380873 OD Brian Spencer Hartley 31819 385394 OD Preston Tremayne Williams 32350 85529 OD Colin Alexander Whitermore 32427 562058 OD Jamarr Taj Matthews 32497 607457 OD Chad Gregory Larsen 32691 685469 OD Ethan Scott Gwirtz 32697 733453 OD Christopher James Stafford 33017 822617 OD Bernabel Rebollar 35066 415076 OD Justin Wesley McGuire TOTAL: 22 CITY Atlanta Brandon Cumming Portland Jacksonville Scottsdale Waxhaw Winter Park Huntersville Concord Atlanta Louisville Marietta Atlanta Southfield Charlotte Charlotte Champlin Huntersville Concord Charlotte Greenwood ST REVOKED WITHDRAWN GA 12/10/2012 MS 12/10/2012 GA 12/10/2012 OR 12/13/2012 FL 12/13/2012 AZ 12/19/2012 NC 12/31/2012 FL 12/31/2012 NC 12/31/2012 NC 12/31/2012 GA 12/31/2012 KY 12/31/2012 GA 12/31/2012 GA 12/31/2012 MI 12/31/2012 NC 12/31/2012 NC 12/31/2012 MN 12/31/2012 NC 12/31/2012 NC 12/31/2012 NC 12/31/2012 MO 12/31/2012 December 2012 Page 7 MORTGAGE BROKERS, LENDERS, PROCESSORS AND REGISTRANTS APPROVED OR REINSTATED IN DECEMBER 2012 GRMA# NMLS# CODE NAME CITY ST 33398 3175 B LeadPoint, Inc. Los Angeles CA 35653 768442 B Kota Realty & Mortgage Services, INC Lewisville TX 35891 983547 B Stonebridge Mortgage Group, Inc. Blakely GA 36042 991287 B Jason Long La Fayette GA 35655 1503 L Nationwide Bi-Weekly Administration, Inc. Xenia OH ORIGINAL APPROVAL 12/07/2012 12/07/2012 12/07/2012 12/14/2012 12/28/2012 REINSTATED TOTAL: 5 MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012 GRMA# NMLS# CODE NAME 27666 265345 O Matthew Paul Blankenship 27450 85140 O Amanda Nicole Rodriguez 29467 236883 O Jin Myung Lee 27507 249000 O Johnny London Meany 28363 11995 O Charles Nelson Wall 34223 892269 O Kurt Kenneth Carr 35779 905172 O Timothy Kevin Gentry 35838 184621 O Michaele Jena Thompson 35908 288326 O Brian Joseph Peebles 35926 865244 O Christy Marie Puckett 35954 166868 O Jennifer Margaret Sears 36010 906751 O Andrew James St. Jean 36026 188931 O Jerry Lee Tomlinson 36034 10001 O Darren Eugene Grannemann 36044 333986 O Denise Laverne Carr 36054 366376 O Mia Machelle Thomas 36065 222742 O Stephen Lyn March 36068 552531 O Mark King CITY ATLANTA Charlotte Duluth Winston Largo San Jaun Blakely Indianapolis Portland Frisco Augusta Chapel Hill Addison McHenry Lombard Stockbridge Citrus Heights Fayetteville ORIGINAL ST APPROVAL REINSTATED GA 05/21/2010 12/07/2012 NC 08/13/2010 12/07/2012 GA 08/27/2010 12/07/2012 GA 09/03/2010 12/07/2012 FL 12/07/2012 CA 12/07/2012 GA 12/07/2012 IN 12/07/2012 OR 12/07/2012 TX 12/07/2012 GA 12/07/2012 NC 12/07/2012 TX 12/07/2012 IL 12/07/2012 IL 12/07/2012 GA 12/07/2012 CA 12/07/2012 GA 12/07/2012 Page 8 December 2012 MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012 ORIGINAL GRMA# NMLS# CODE NAME CITY ST APPROVAL REINSTATED 36069 991566 O Henry Jackson Perry, III Greensboro GA 12/07/2012 36070 984318 O Scott Elliott Philbrick Baltimore MD 12/07/2012 36074 957954 O Antonino Argame Alarcon Jacksonville FL 12/07/2012 36076 988953 O Ashley LaShara Cannady Atlanta GA 12/07/2012 36082 988937 O Neil Christopher Ruffini Roswell GA 12/07/2012 36083 844749 O Mandy Elizabeth Baruch West Des Moines IA 12/07/2012 36085 813544 O James Andrew Carmichael Brighton MI 12/07/2012 36092 913752 O Joseph Ross Trocino Macomb MI 12/07/2012 36094 928213 O Michele Annis Winbush Oak Park MI 12/07/2012 36105 963907 O Therese Ann Salerno Lake Zurich IL 12/07/2012 36107 988935 O Marcos Andres Zambrano Cisneros Acworth GA 12/07/2012 36109 966472 O Robert Michael DeLeo Chicago IL 12/07/2012 36110 966486 O Michael James Duncan Highwood IL 12/07/2012 36115 385666 O Kelly Maureen Schliecker Peoria AZ 12/07/2012 36116 175795 O Romona Renea Tate-Shipp Cordova TN 12/07/2012 36124 279761 O John Michael Lamberg Tampa FL 12/07/2012 36126 976297 O David Lee Waleri SAVANNAH TX 12/07/2012 36128 987858 O Danielle N. Ballew Indian Trail NC 12/07/2012 36129 137046 O Kyle C. Berner Fishers IN 12/07/2012 36130 514152 O Dawn Richelle Ferreiro Irving TX 12/07/2012 36134 34761 O Michael Christopher Quaranta Mt. Laurel NJ 12/07/2012 36135 826335 O Monica Del Rocio Razo Fontana CA 12/07/2012 36137 8727 O Karen Lynn Schuetz Arlington Heights IL 12/07/2012 36138 916175 O Robert Raymond Wesley Atlanta GA 12/07/2012 36140 144840 O Corondelette Shazelle Clay Shreveport LA 12/07/2012 36144 984365 O Steven Loyd Baker New Boston MI 12/07/2012 36145 621596 O Charlotte Lynne Bunnell Houston TX 12/07/2012 36147 225861 O Kevin Mathew Fabian Newport Beach CA 12/07/2012 36148 966479 O Kevin John Gillespie Geneseo IL 12/07/2012 36149 987861 O Richard Daniel McDonald, III rock hill SC 12/07/2012 36154 987859 O Brian Eugene Taylor Lake Wylie SC 12/07/2012 36161 969867 O Nicholas Ray Griffin Arlington TX 12/07/2012 36162 267371 O Mark William Hollinshead Murfreesboro TN 12/07/2012 36164 987860 O Nathan Keith Lowrey Charlotte NC 12/07/2012 36165 984682 O Matthew Paul Mehill Northville MI 12/07/2012 36166 984700 O Sarah Nazmi Sabi Rochester MI 12/07/2012 36167 621488 O Peter Timothy Wagner Plano TX 12/07/2012 36170 27547 O Bryan Edward Burt Scottsdale AZ 12/07/2012 36171 460689 O Theresa Lynn Thompson Singer Island FL 12/07/2012 36174 552530 O James Algie Williamson Alpharetta GA 12/07/2012 36178 833015 O Monica Iliana Dunn huntington beach CA 12/07/2012 36182 371518 O Sherry Marie Janitz Oak Ridge NJ 12/07/2012 36183 28444 O Marshall Dean Kutz Birmingham MI 12/07/2012 36184 987856 O Bradley Christopher Lawson Charlotte NC 12/07/2012 36188 263665 O Erin Danielle Montalvo Ladera Ranch CA 12/07/2012 36190 976418 O Scott Carson Ratliff Overland Park KS 12/07/2012 December 2012 Page 9 MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012 GRMA# NMLS# CODE NAME 36197 976010 O Tara-Leigh Brownell 36203 966464 O Brian Edward Schutz 36210 955560 O John Tate Molskow 31518 5081 O Marc Jared Langley 34341 32362 O Justin Dwaine Kingsbury 35961 187280 O Jason Kahn Moulton 35986 880657 O Whitney Ann Fontenot 35994 913718 O Ronald Taylo Tuggle 36049 901956 O Randolph Dale Jackson, II 36050 990270 O Jason Brett Long 36051 387222 O Robert Owen Neighbours, IV 36097 344880 O Patricia Dewendt Rumbos 36098 980853 O Rena Tomlinson Keene 36118 926734 O Darrell R. Dyer 36132 966490 O Steven Michael Johnson 36133 987647 O Austin Jesse Lin 36136 989865 O Steve Elias Salman 36150 8855 O Scott Alan Niksich 36151 552533 O Sharon Pounds 36158 987863 O Stephen Bradford Dickey 36160 791180 O Joseph Henry Flannery 36176 835388 O Michael David Dacuycuy 36177 366973 O William Richard Dale, Jr. 36185 964496 O Lynnelle Wynette Massenburg 36187 262577 O Stephen James Michelini 36192 987004 O Austin John Sanders 36198 367030 O Robert Scott Cormican 36205 955787 O Bradley Joel Boles 36206 984444 O Benjamin Thomas Caylor 36211 989741 O Richard Bruce Musto 36213 451765 O Carla Phillips Vento 36214 890675 O Michael Brandon Willis 36220 957814 O Caitlin Antoinette McGinn 36226 400738 O Jeffrey Ronald Kieffer 36227 984659 O Michael Eaton Kompoltowicz 36228 1001747 O Marc A. Rusterucci 36229 981715 O Robert Walter Serpas, III 36230 997561 O Chonsey Quaid Asbury 36233 981927 O Kristen Marie St. Peter 36236 984442 O Marcello Pasquale Castelvetere 36237 987153 O Michael Arthur Farmer 36238 1000870 O Matthew John Fenske 36240 36847 O Timothy Lee Cook 36242 872306 O Ziyad Rafih Fayad 36247 901466 O Stephen Yatcko 34003 225303 O SOMAI ABASSI ORIGINAL CITY ST APPROVAL REINSTATED Apopka FL 12/07/2012 Geneva IL 12/07/2012 Winfield IL 12/07/2012 Atco NJ 12/14/2012 Santa Ana CA 12/14/2012 Roseville CA 12/14/2012 Berkley MI 12/14/2012 Phoenix AZ 12/14/2012 white lake MI 12/14/2012 La Fayette GA 12/14/2012 Windsor Locks CT 12/14/2012 Duluth GA 12/14/2012 Homerville GA 12/14/2012 South St Paul, MN 12/14/2012 Downers Grove IL 12/14/2012 Laguna Hills CA 12/14/2012 San Clemente CA 12/14/2012 Chicago IL 12/14/2012 Longboat Key FL 12/14/2012 Rock Hill SC 12/14/2012 Lafayette CA 12/14/2012 La Habra CA 12/14/2012 San Clemente CA 12/14/2012 Raleigh NC 12/14/2012 Scottsdale AZ 12/14/2012 Indianapolis IN 12/14/2012 Atlanta GA 12/14/2012 Brea CA 12/14/2012 Detroit MI 12/14/2012 Alpharetta GA 12/14/2012 Macon GA 12/14/2012 Norcross GA 12/14/2012 Fort Washington PA 12/14/2012 Apple Valley MN 12/14/2012 Canton MI 12/14/2012 Dallas GA 12/14/2012 Savannah GA 12/14/2012 Lithonia GA 12/14/2012 Westminster CA 12/14/2012 Dearborn Heights MI 12/14/2012 Houston TX 12/14/2012 Stewartstown PA 12/14/2012 Mira Loma CA 12/14/2012 Anaheim CA 12/14/2012 Hamden CT 12/14/2012 IRVINE CA 12/21/2012 Page 10 December 2012 MORTGAGE LOAN ORIGINATOR LICENSES APPROVED OR REINSTATED IN DECEMBER 2012 GRMA# NMLS# 36159 872152 36163 932262 36169 844977 36172 810059 36173 964761 36175 985152 36193 552599 36199 978978 36212 966465 36218 482623 36222 822541 36224 156446 36231 641498 36232 964507 36239 658829 36244 312084 CODE NAME O Sean Arnold Fitzgerald O Justin Garrett Jakubcin O Stephanie Nicole Prince Askew O Bradley Thomas Wash O Daniel Edward Wiegand O Joseph Adam Yashinsky O William Wayne Teas, Jr. O Cristin Marie Doherty O William Carl Nisius O Leith Royal Grasteit O Scott David Tarmon O Scott Jamison Galbraith O Mark Gravelle O Dale Edward Phelps O Phyllis H. Cheong O Donald Ralph Ostmann TOTAL: 126 CITY Mount Clemens Denver Highland Village San Diego Fenton Farmington Hills Lilburn Aurora St. Charles Mountain Green Highlands Ranch Charlotte Cleveland Fairview Park Savannah St. Charles ORIGINAL ST APPROVAL REINSTATED MI 12/21/2012 CO 12/21/2012 TX 12/21/2012 CA 12/21/2012 MI 12/21/2012 MI 12/21/2012 GA 12/21/2012 CO 12/21/2012 IL 12/21/2012 UT 12/21/2012 CO 12/21/2012 NC 12/21/2012 TN 12/21/2012 OH 12/21/2012 GA 12/21/2012 MO 12/21/2012 List of 2013 Licensees / Registrants Renewed to Date A current listing of Georgia mortgage licenses/registrations that have been renewed for the 2013 licensing period can be found on the Department's website from: http://dbf.georgia.gov/documents/2013-georgia-mortgage-licenses-registrations-renewed This file (in Microsoft Excel format) will be updated on a weekly basis and reflects renewal of licenses/registrations that were in an approved status prior to November 1, 2012. December 2012 Page 11 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 and/or teams for going above and beyond in serving our customers: Supervisory Manager Janet Anderson The Department received comments from customers stating: "Janet Anderson was especially helpful in the processing of our new lender license application." and "I have emailed Janet Anderson several times and she is an OUTSTANDING employee! She responds quickly and always answers my questions! Thank you, Janet!" Review Examiner Deborah Long The Department received comments from a customer stating: "Deborah Long was exceptionally helpful and patient in helping me throughout the process." CONGRATULATIONS AND GREAT JOB TO THIS MONTH'S CUSTOMER SERVICE STAR!! Page 12 Georgia Department of Banking and Finance 2990 Brandywine Road Suite 200 Atlanta, Georgia 30341-5565 Phone: (770) 986-1269 Fax: (770) 986-1029 or 1655 Email: dbfmort@dbf.state.ga.us We're on the Web! dbf.georgia.gov December 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, internaonal banking organizaons, and bank holding companies conducng business in Georgia. Our MISSION is to promote safe, sound, compeve financial services in Georgia through innovave, responsive regulaon and supervision. Our VISION is to be the best financial services industry regulator in the country Progressive. Proacve. Service-Oriented. Sign-up to Receive this Publication This monthly publication highlights topics and activities pertaining to the Department's regulation of state-licensed or registered mortgage brokers, lenders and loan originators. It is delivered to interested parties via e-mail and is also available from the Department's website at: http://dbf.georgia.gov under Publications, Mortgage Summary. If you would like to be added to our distribution list, send an e-mail to dbfpress@dbf.state.ga.us stating your name and e-mail address. Please be sure to include "Subscribe to Monthly Mortgage Summary" in the Subject line.