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Date	Bank	Location	Activity
11/03/06	Fairfield County Bank Corp Ridgefield	114 Federal Road Danbury, CT  06810	filed
11/03/06	Fairfield County Bank Corp Ridefield	457 Main Street, Suite 3A Danbury, CT  06811	filed

On November 1, 2006, pursuant to Section 36a-428a of the Connecticut General Statutes, The Royal Bank of Scotland plc, a foreign bank with its principal place of business in Edinburgh, Scotland, United Kingdom, filed an application to establish and maintain a state branch at 600 Steamboat Road, Greenwich, Connecticut.

On October 30, 2006, pursuant to Section 36a-81 of the Connecticut General Statutes, approval was granted to Bankers’ Bank Northeast to relocate its main office from 655 Winding Brook Drive, Glastonbury, to 300 Winding Brook Drive, Glastonbury.

On September 5, 2006, the Commissioner issued an Order Revoking First Mortgage Correspondent Lender/Broker and Secondary Mortgage Correspondent Lender/Broker Licenses (“Order”), In the Matter of: American Fidelity, Inc. (“Respondent”), of 10200 Daradale Avenue, Baton Rouge, Louisiana.  The action was based on Respondent’s failure to maintain a surety bond that runs concurrently with the period of its first mortgage correspondent lender/broker license, in violation of Section 36a-492(a) of the Connecticut General Statutes.  A copy of the Order can be obtained from the department’s website, www.ct.gov/dob or by contacting the department’s Legal Division.

On October 25, 2006, the Commissioner issued an Order Revoking First Mortgage Broker License (“Order”), In the Matter of: 1st Continental Mortgage, Inc. (“Respondent”) of 1040 Bayview Drive, Suite 610, Ft. Lauderdale, Florida.  The action was based on Respondent’s failure to maintain a surety bond that runs concurrently with the period of its first mortgage broker license, in violation of Section 36a-492(a) of the Connecticut General Statutes.  A copy of the Order can be obtained from the department's website, www.ct.gov/dob or by contacting the department's Legal Division.

On November 1, 2006, the Commissioner entered into a Settlement Agreement with Elsayed Hassan d/b/a Hot Dog Plus (“Hassan”) who is located in Norwalk, Connecticut.  The Settlement Agreement was based on an investigation by the Consumer Credit Division.  As a result of such investigation, the Commissioner alleged that Hassan engaged in the business of cashing checks, drafts or money orders for consideration without a license in violation of Section 36a-581(a) of the 2006 Supplement to the General Statutes, and that Hassan charged a sum in excess of that which is allowed under Section 36a-585-1(a) of the Regulations of Connecticut State Agencies.  Pursuant to the Settlement Agreement, Hassan agreed not to engage in the business of cashing checks, drafts or money orders for consideration, except as an incident to the conduct of any other lawful business where not more than fifty cents is charged for the cashing of checks, drafts or money orders, without obtaining a license to operate a check cashing general facility or limited facility for each location where such business is to be conducted.  In addition, if Hassan obtains a license to engage in the business of cashing checks, drafts or money orders for consideration from the Commissioner, Hassan agreed not to charge fees for cashing checks, drafts or money orders in excess of the fee established by Section 36a-585-1(a) of the Regulations of Connecticut State Agencies or one dollar, whichever is greater.  Hassan also agreed to remit to the Department of Banking $500 as a civil penalty.