ࡱ>  K'` j'bjbjLULU z.?.?NNNN$P<<<> A |K|KXKKKOPDP$    . 0$h@T!lO"OllTNNKKu8***lN8KK *l **JKpK {<fB'<=$==, Q$9p>*wC)QQQTTƯdQQQlllldh$$tht6LNNNNNN  STATE OF MARYLAND OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION DEPARTMENT OF LABOR, LICENSING AND REGULATION 500 N. CALVERT STREET BALTIMORE, MARYLAND 21202 ANNUAL REPORT FOR FISCAL YEAR ENDING JUNE 30, 2010 %%%%% Presented to: MARTIN J. O MALLEY GOVERNOR ANTHONY G. BROWN LIEUTENANT GOVERNOR MARK A. KAUFMAN ANNE B. NORTON COMMISSIONER DEPUTY COMMISSIONER OFFICE OF STATE BANK COMMISSIONER established 1910 OFFICE OF COMMISSIONER OF CONSUMER CREDIT established 1941 Reorganized as OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION 1996 TABLE OF CONTENTS HIGHLIGHTS OF THE FISCAL YEAR ...3 LEGISLATIVE HIGHLIGHTS OF THE FISCAL YEAR ....4 DEPOSITORY SUPERVISION Banks, Trust Companies, and Credit Unions Annual Overview 7 Consolidated Statement of Condition of State-Chartered Banks 9 Ratios from Consolidated Statement of Condition of State-Chartered Banks 10 Trust Assets Managed by State-Chartered Trust Companies 11 State-Chartered Credit Unions 12 Consolidated Statement of Condition of State-Chartered Credit Unions 13 DEPOSITORY CORPORATE ACTIVITIES Corporate Activities Annual Overview 14 Applications: New Charters, Conversions and Mergers and Acquisitions ...... 15 Affiliates and Miscellaneous ... .16 Branch Openings and Closings ..17 State-Chartered Banks Asset Size and CRA Ratings .18 State-Chartered Credit Unions and Non-Depository Trust Companies ...20 Other Banks Operating Branches in Maryland .21 ENFORCEMENT Enforcement Annual Overview 24 DEPOSITORY COMPLIANCE EXAMINATION Mortgage Compliance Examinations Annual Overview .. ..26 Non-Mortgage Compliance Examinations Annual Overview 27 NON-DEPOSITORY LICENSING Licensing Annual Overview .. 28 Licensees by Category and Consumer Complaint Analysis 29 Monetary Recoveries for Consumers and Maryland General Fund 30 OFFICE SUMMARY Overview of Commissioners Office 31 Revenue and Expenditures 32 Management Organizational Chart 37 BOARDS Maryland Banking Board Members 38 Maryland Collection Agency Licensing Board Members 38 COMMISSIONERS HISTORICAL LIST 39 HIGHLIGHTS OF THE AGENCY FISCAL YEAR 2010 DLLRs Office of the Commissioner of Financial Regulation (the Commissioner or the Office) played a central role in combatting the financial and foreclosure crises at all levels. With the passage of the Federal SAFE Mortgage Licensing Act and complimentary state legislation in 2009, the Office implemented its transition to the Nationwide Mortgage Licensing System (NMLS). NMLS is a web-based licensing system and database utilized by all 50 states. While license approvals are done at the state level, mortgage originators nationwide are issued single NMLS license numbers and online files which are maintained in the centralized NMLS database and accessible by consumers and businesses alike. All Maryland originators and lenders transitioned by December 2010. The Commissioner also conducted extensive outreach. Pursuant to the 2008 foreclosure reforms, the Office receives copies of Notices of Intent to Foreclose sent to delinquent Maryland borrowers. Based on the information provided, the Office has delivered more than 287,000 outreach packages containing foreclosure prevention information and warnings regarding scams since May 2008. At the same time, the Office promulgated key regulations essential to implementing the 2010 mediation legislation. The Office continued its efforts to aid consumers who have been harmed, recovering almost $2.5 million for Marylanders in fiscal 2010. These recoveries were the result of the Office conducting compliance examinations and investigations which uncovered improprieties, and responding to consumer complaints including providing assistance to consumers having difficulties in obtaining loan modifications. Of particular note, the Office was one of the first in the nation to recognize and move to address the growing foreclosure-related problem of loan modification consulting scams. In these cases, consumers are charged illegal up-front fees in exchange for the promise of assistance in obtaining a loan modification. Following advisories to consumers and the mortgage industry in August 2008 and January 2009, the Enforcement Unit undertook more than 165 investigations of loan modification scams. Through the end of fiscal year 2010, this effort yielded 32 cease and desist orders and 7 consent orders/agreements and approximately $152,000 in refunds paid to consumers. The Office also referred the results of its investigations to state and federal law enforcement authorities where appropriate. These efforts culminated a criminal indictment obtained the Prince Georges County States Attorney in November 2010 for a loan modification scam that victimized hundreds of Maryland consumers based on such a referral. This indictment is the first of its kind in Maryland. At the same time, the Office of the Commissioner collected fines for the states general fund of over $1.6 million, an increase from $1.1 million in fiscal 2009. In its largest case of the year, the Office of the Commissioner launched an investigation into the practices of collections agencies which purchase delinquent debt and then file collections lawsuits against Maryland borrowers. This investigation resulted in charges against one of the largest collections agencies in the country which had filed more than 30,000 actions since 2001. To settle the matter, the collections agency agreed to revise its litigation practices, among other things, and paid a $998,000 fine. Following this investigation, the agencys principal law firm based in Rockville, Maryland had its collection license suspended by the Commissioner and thereafter collapsed. This resulted in the dismissal of over 30,000 collection actions filed in District Court by the company across the State. LEGISLATIVE HIGHLIGHTS SUMMARY Christopher Young, Assistant Attorney General, Counsel to the Commissioner HB 79 Credit Services Businesses Limitation on Fees This bill limits the total fees that may be collected in connection with an extension of credit. In particular, the bill prohibits a credit services business from charging any fees, interest, or any other form of value that, when combined with the interest charged on the loan itself, would exceed the permissible interest rate. Effective Date -- October 1, 2010. HB 402 Collection Agencies Application and Renewal Fees This bill requires the State Collection Agency Licensing Board to establish fees for new and renewed licenses for collection agencies, which are not to exceed $900 for a 2-year term. The bill also authorizes a new fee for the investigation of applicants for new licenses. The bill provides that the established fees must reasonably cover the direct and indirect costs of regulating collection agencies and that the fees must be published by the Board. Effective Date -- October 1, 2010. HB 472 Foreclosure Mediation This bill includes new consumer protections relating to the foreclosure of residential owner-occupied properties. Most significantly, it provides such borrowers the opportunity to request and participate in foreclosure mediation. The bill enhances the required notice of intent to foreclose which must be sent to the borrower at least 45 days prior to the docketing of a foreclosure action. This notice must contain a statement recommending that the borrower seek housing counseling services, an explanation of the borrowers rights and the foreclosure timeline, and an application for a loss mitigation program. If the lender determines that the borrower does not qualify for a loan modification or other form of relief, the borrower can file a request for foreclosure mediation. This includes a meeting between the borrower and the lender (or their representatives) with a neutral third party (the Office of Administrative Hearings) to discuss the loan and possible options to avoid foreclosure. The bill also creates the Housing Counseling and Foreclosure Mediation Fund, which supports nonprofit and government housing counselors with providing legal assistance to homeowners and occupants who want to try to avoid foreclosure, obtain housing advice or home-buying education. Effective Date -- July 1, 2010. HB 711/SB 654Tenants in Foreclosure This bill generally conforms Maryland law regarding tenants residing in foreclosed real property to federal law and clarifies the rights of such tenants. Of significance, it provides that a tenant under a bona fide lease has the right to occupy the property until the end of the lease, with the exception of where the purchaser intends to occupy the property as a permanent residence. In such a circumstance, the purchaser may require the tenant to vacate in ninety days and terminate the lease. Effective Date -- June 1, 2010. HB 799/SB 878 Reverse Mortgage Homeowners Prevention Act This bill enacts several protections for consumers relating to reverse mortgages. It relates both to reverse mortgage loans made under the federal Home Equity Conversion Mortgage (HECM) and other reverse mortgages typically referred to as proprietary reverse mortgage loans. The bill provides that all reverse mortgages must conform to certain federal regulations now only applicable to HECM loans. It prohibits lenders from requiring borrowers to purchase an annuity, long term care policy, or other financial or insurance product as a condition to obtaining the reverse mortgage. The bill also prohibits lenders from referring the borrower to any person for the purchase of an annuity or any other financial or insurance product before the closing of the reverse mortgage or the expiration of the borrowers right to rescind the contract, whichever is later. Upon receiving an application for a reverse mortgage loan, the lender must provide the prospective borrower with a written checklist advising the borrower to discuss several issues with a counseling agency. Effective Date -- October 1, 2010. HB 990/SB 886Savings Promotions Raffles This bill permits credit unions and state-chartered banks to offer raffles to promote savings in deposit accountsprovided, however, that this law does not become effective until such time as federal law is amended to permit banks to engage in such promotional programs. Current federal law prohibits banks from offering such promotions. Effective Date -- October 1, 2010, (but actual effectiveness dependant on future federal action) HB 1076/SB 898 Installment Loans Secured by Motor Vehicle Lien Balloon Payments This bill authorizes a credit grantor to require a balloon payment if the installment loan in question exceeds $30,000 and is secured by a lien on a motor vehicle. Effective Date -- October 1, 2010. HB 1136 Supervision and Reorganization of Financial Institutions This bill requires a non-depository trust company (a trust company that is not insured by the FDIC) to post a surety bond or pledge securities to the Commissioner to help defray the costs of receivership in the event a non-depository trust company fails. The amount of securities pledged or bond posted is determined by the companys rating as determined by the Uniform Interagency Trust Rating System. The company must pledge or post a maximum of $1 million if it has a rating of 1 or 2; it must pledge or post a maximum of $3 million if it has a rating of 3, 4, or 5. The bill also establishes certain guidelines and requirements for declaring a non-depository trust company insolvent, authorizing the Commissioner to take immediate possession of a company in the event of insolvency. The bill further establishes more streamline procedures for the conversion of a federal savings bank to a Maryland-chartered savings bank. Effective Date -- October 1, 2010. HB 1152 Commissioner of Financial Regulation Criminal Background Checks This bill requires the Commissioner to request a criminal background check on prospective employees and allows the Commissioner to request the same for current employees. The bill provides that the information from this background check is to be kept confidential, that it will not be disseminated, and that it may only be used for authorized purposes. If a subject of a background check has been convicted of a crime, the Commissioner must consider several relevant factors, including: (1) the nature of the crime, (2) the relevance of the crime to the individuals employment and responsibilities, (3) the length of time since conviction, and (4) the individuals behavior and activities since conviction. Effective Date -- October 1, 2010. HB 1206 Refund Anticipation Loans and Checks This bill establishes certain protections for consumers related to refund anticipation loans and refund anticipation checks. It requires facilitators to prominently display at each place of business their fee schedule for various amounts of money. It also requires facilitators to make certain oral and written disclosures to consumers. In the case of refund anticipation loans, the facilitator must disclose the fee for the loan, the annual percentage rate payable on it, and time within which the money from the loan will be paid to the consumer. The facilitator must also include a notice which informs the consumer of many things, including: that this service is a loan against their tax refund, that they will be liable for the full amount of the loan regardless of the ultimate size of their refund, that they can obtain their tax refund in one to two weeks without taking out a loan or paying any fees, and that their return can be deposited directly into their bank account. In the case of a refund anticipation check, the facilitator must disclose the fee for the check and the time within which the consumer will receive their funds. The facilitator must also include a notice which informs the consumer that they can receive their tax refund, without paying a fee, by waiting for their refund from the IRS. The bill also prohibits a facilitator from requiring a consumer to enter a loan in order to complete a tax return and from charging any fee other than those disclosed by the fee schedule and related to the refund anticipation loan or check. Effective Date -- October 1, 2010. HB 1254/SB 943 Mortgage Brokers Charges This bill authorizes a mortgage broker to charge a borrower, in addition to a finders fee, the actual cost of any appraisal, credit report, condominium document, or subordination agreement document which was obtained by the broker at the written request of the borrower. It also authorizes the mortgage broker to charge the borrower for the actual cost of any good or service, as specified in regulations by the Commissioner, that is required to complete the loan application process and which was paid for by the broker at the written request of the borrower. The Commissioner has not adopted any regulations relating to this new law. Effective Date -- October 1, 2010. SB 523 Credit Card Blacklisting Prevention Act This bill prohibits the inclusion or enforcement of a provision in a consumer credit contract that triggers a default based on a prohibited risk factor without the consumers prior written consent. A prohibited risk factor is the identity of a person from whom the consumer obtains consumer credit, goods, or services, or a person who makes or holds a mortgage loan on the consumers home. The bill also prohibits a person from including a provision in a consumer credit contract which would authorize that person to use a prohibited risk factor to accelerate a payment, increase the applicable interest rate, reduce the credit limit, or alter a term of the contract. Effective Date -- October 1, 2010. SB 787 Mortgage Lenders Net Worth Requirements This bill allows a mortgage lender to prove that its net worth satisfies the applicable requirements through generally accepted accounting principles or any other recognized comprehensive basis of accounting which is approved by the Commissioner. Effective Date -- October 1, 2010. DEPOSITORY SUPERVISION Banks, Trust Companies and Credit Unions Annual Overview Teresa M. Louro, Assistant Commissioner for Bank Supervision The Commissioners Office regulates and supervises forty seven Maryland state-charted banks, nine Maryland-chartered credit unions, six non-depository trust companies, Anne Arundel Economic Development Corporation, and American Share Insurance Corporation (ASI) of Dublin, Ohio, for a total of 64 institutions. Banks While the banking industry in Maryland confronted another challenging year, the state chartered-institutions remain sound and collectively returned to profitability in the year ended June 30, 2010. A continued soft real estate market, challenging credit environment and economic recession has led to overall higher non-performing assets and delinquencies. Marylands forty seven state-chartered banks have remained conservative, enhanced risk management practices, and increased loan workout to manage troubled portfolios. In fiscal year 2010, total assets of Marylands state-chartered banks increased by $1.4 billion, to a total of $23.2 billion. The increase was driven by organic growth, as well as the conversion of Sykesville Federal Savings Association (now Carroll Community Bank) and The Centreville National Bank (now CNB) from a thrift and national bank charter, respectively, to Maryland charters. The importance of capital has been a focal point nationally and at the state level, which will likely continue for the next few years. Overall, capital levels have improved with an aggregate total risk-based capital ratio of 12.79%, a 36 basis points increase from the previous year. Tier 1 risk-based capital has also increased to 11.31%, while tier 1 leverage decreased to 8.72% as a result of growth outpacing equity formation. The increase in capital is partly attributed to 12 banks receiving Troubled Assets Relief Program Capital Purchase Program (TARP-CPP) funds from the U.S. Department of the Treasury in 2008 and 2009. More recently, several banks have been successful in third party capital, some of which was used to repay TARP-CPP funds. At the same time, several other institutions are in the process of attempting to raise equity and improve their financial condition. Maryland state-chartered banks continue to feel the impact of the weakened real estate market as the levels of noncurrent loans and other non-performing assets increased, primarily concentrated in commercial real estate and acquisition, development and construction loans. Noncurrent loans to total loans increased to 4.17% from 3.61% previously, while non-performing assets increased to 3.58% from 3.14% at the end of fiscal year 2009. Net charge-offs to loans rose to 1.02% from 0.91% one-year ago. Consequently, banks reserved more against problem assets, with loan loss reserves equal to 2.02% of total loans, an increase of 34 basis points since the previous year. Earnings performance improved significantly since the previous year from net income of ($9 million), representing a return on assets (ROA) of (0.09%) to $21.7 million, with a corresponding ROA of 0.19%. The net interest margin improved as well from 3.43% at fiscal year-end 2009 to 3.64%. The gain in earnings is attributed to substantially lower cost of funds and higher non-interest income. The Commissioners Office examines state-chartered banks to assess asset quality, capital adequacy, earnings performance, liquidity and funds management, sensitivity to market risk, and management. We continue to work closely with our federal counterparts on joint examinations and on on-site targeted visitations. Monitoring continues off-site with our quarterly monitoring program. Regulatory supervision has also increased with more frequent examinations, on-site visitations, weekly or bi-weekly teleconference calls, and review of quarterly progress reports to further monitor financial conditions of our troubled institutions. Credit Unions The Commissioners Office regulates and supervises nine Maryland state-chartered credit unions and ASI. Of the nine, six credit unions are federally insured through the National Credit Union Share Insurance Fund, and the remaining three are privately insured by ASI. An annual on-site examination, supplemented by a quarterly monitoring program is conducted for each credit union. Targeted visitations are also performed, as deemed necessary. The credit union industry remains sound; however, the effect on the financial industry from the current economic environment continues to have a negative impact on credit union trends. Delinquency and net charge-offs continue to increase, especially in the real estate sector, indicating continued elevated concerns in the credit quality of loan portfolios. Delinquency increased from 1.05% as of June 30, 2009 to 1.45% as of June 30, 2010 and charge-offs increased from 0.70% to 1.15% during the same time period. The credit quality of loans remains an ongoing concern due to the soft real estate market and economic recession. Overall, loan growth has been slow. Management seeks to meet the challenges arising from economic hardships caused by increased unemployment and record foreclosures, an unprecedented event, not to mention strong competition for quality loans. And, Boards of Directors strive to balance credit quality with member service. Maryland state-chartered credit unions assets under supervision grew approximately $240 million to $4.1 billion. Net worth represents 10.33% of total assets. While the net interest margins remain typically low, credit unions, as a group, continue to operate profitably, reflected in an annualized ROA of 0.51%. Trust Companies Maryland state-chartered non-depository trust companies have also felt the impact of the downturn in the equities and real estate markets. However, the rapid recovery in the public stock and bond markets, combined with additional asset gathering resulted in a significant rebound in performance in 2010. Assets under management grew from $165 billion in 2009 to $194 billion in fiscal 2010. The states trust companies continue to monitor volatility and economic conditions in the United States and global stock markets. Consolidated Statement of Financial Condition State Chartered Banks As of June 30, 2010 (in thousands) ASSETS Cash & Balances Due From Depository Institutions: Non-Interest Bearing & Currency and Coin$1,519,679 Interest Bearing Balances$1,148,205Securities$3,372,087Federal Funds Sold and Securities Purchased Under Agreements to Sell$506,478Loans and Leases, Net of Unearned Income $16,168,963(Allowance for Loan and Lease Losses)$334,317Trading Assets$0Premises and Fixed Assets (including capitalized leases)$343,598Other Real Estate Owned $135,583Intangible Assets$265,725Other Assets$911,567 Total Assets $23,223,680LIABILITIES Deposits: In Domestic Offices$18,710,253 In Foreign Offices$0Federal Funds Purchased & Securities Sold Under Repurchase Agreements $428,645Trading Liabilities$0Other Borrowed Money$1,629,578Other Liabilities $150,506 Total Liabilities $20,966,582EQUITY CAPITAL Perpetual Preferred Stock$6,515Common Stock$219,380Surplus$1,427,688Undivided Profits and Capital Reserves$603,513 Total Equity Capital $2,257,096 Total Liabilities and Equity $23,223,680 Ratios from Consolidated Statement of Financial Condition All State-Chartered Banks For Fiscal Years 2008 2010 Period Ending June 30: 2010 2009 2008 Return on Assets0.19%(0.09%)0.47%Net Interest Margin3.64%3.43%3.71%Total Loans to Total Deposits86.42%92.15%99.15%Total Loans to Core Deposits Total Loans to Total Assets112.97% 69.62%116.95% 72.46%118.96% 73.61%ALLL to Total Loans Noncurrent Loans to Total Loans2.03% 4.17%1.68% 3.61%1.16% 1.61%Tier 1 Leverage Capital8.72%9.01%8.71%Tier 1 Risk-Based Capital11.31%11.01%10.43%Total Risk-Based Capital12.79%12.43%12.15% Prior Period End Totals (Adjusted) For Fiscal Years Ending June 30 (in thousands) Year Total Assets Total Loans Securities Total Deposits Total Capital 2010 $23,223,680 $16,168,963 $3,372,087 $18,710,253 $2,257,096 2009 $21,792,246 $16,059,416 $3,200,633 $17,135,262 $2,113,330 2008 $29,381,521 $21,881,597 $4,415,664 $21,813,397 $2,728,926 2007 $42,139,079 $29,403,517 $7,216,069 $30,421,947 $4,469,387 2006 $39,619,518 $27,115,636 $7,627,391 $29,262,128 $4,147,295 2005 $37,159,487 $25,497,448 $7,660,557 $27,542,622 $3,711,691 Trust Assets Reported by State-Chartered Trust Companies Fiscal Year Ending June 30, 2010 (in thousands) Full Service Trust CompaniesManaged Non-Managed Custodial TotalFirst United Bank & Trust$449,679$62,370 $2,515 $514,564Sandy Spring Bank$444,105$57,586$61,394$563,085Total Assets Full Service$893,784$119,956 $63,909 $1,077,649Non-Depository Trust CompaniesManaged Non-Managed  Custodial TotalBrown Investment Advisory and Trust Co.$4,795,864$36,009$602,503 $5,434,376. Chevy Chase Trust Company$2,658,723$5,841,743$2,479,203$10,979,669NewTower Trust Company$7,871,664$0$0 $7,871,664Old Mutual Asset Management Trust Co.$24,569,704$343,879$0$24,913,583Securities Finance Trust Company$12,889,543$19,823$0$12,909,366T. Rowe Price Trust Company$20,579,071$111,618,220$0 $132,197,291Total Assets Non-Depository$73,364,569$117,859,674 $3,081,706$194,305,949   Grand Total Assets Full Service and Non-Depository  $74,258,353 $117,979,630 $3,145,615 $195,383,598  State Chartered Credit Unions Consolidated Statement of Financial Condition (in thousands) Comparative Figures for Year Ending:June 30, 2010June 30, 2009% ChangeASSETSCash$167,603$159,9174.8%Investments$1,349,717$1,137,62918.6%Loans & Leases$2,452,504$2,420,7441.3%Allowance for Loans & Leases (ALLL)($34,703)($28,764)20.6%Premises and Fixed Assets$61,053$63,221-3.4%Other Assets$111,712$115,227-3.1%Total Assets$4,107,886$3,867,9746.2%LIABILITIESMembers' Shares & Deposits$3,551,370$3,356,3525.8%Borrowings$85,170$59,92742.1%Other Liabilities$46,852$36,42928.6% Total Liabilities$3,683,392$3,452,7086.7%EQUITY / NET WORTH$424,494$415,2662.2% Total Liabilities and Equity$4,107,886$3,867,9746.2%Additional Information As of June 3020102009Net Worth to Total Assets10.33%10.74%Net Worth to Members Shares & Deposits11.95%12.37%Total Loans to Total Assets 59.70%  62.58%Total Loans to Members Shares & Deposits 69.06% 72.12%ALLL to Total Loans 1.42% 1.19%Return on Assets (annualized) 0.51% 1.00%  Consolidated Statement of Condition of State-Chartered Credit Unions As of June 30, 2010 (in thousands) Total AssetsTotal LoansShares & DepositsTotal CapitalASI Private Share Insurance Fort Meade Community Credit Union $30,729 $11,238 $27,856 $2,639Post Office Credit Union of Maryland, Inc.$33,663$3,153$24,643$8,982U.S. Coast Guard Community Credit Union$34,344$16,934$31,429$2,828Federal Share InsuranceCentral Credit Union of Maryland, Inc.$19,955$12,610$17,007$2,884Destinations Credit Union$47,897$29,025$39,856$7,667Members First Credit Union$33,458$9,590$28,818$4,573Municipal Employees Credit Union$1,105,863$625,521$889,814$116,662Point Breeze Credit Union$698,013$268,595$613,573$76,275State Employees Credit Union of MD$2,103,964$1,475,838$1,878,374$201,984TOTAL FOR ALL STATE CHARTERED CREDIT UNIONS $4,107,886$2,452,504$3,551,370$424,494 Prior Period End Totals As of June 30 (in thousands) YearTotal AssetsTotal LoansShares & DepositsTotal Capital2009$3,867,974$2,420,744$3,356,352$415,2662008$3,512,890$2,362,006$3,043,152$419,2212007$3,302,841$2,245,600$2,837,274$403,8242006$3,112,221$2,063,541$2,659,307$371,0572005$2,996,701$1,813,530$2,639,925$338,2532004$2,964,498$1,640,845$2,648,385$299,2292003$2,860,709$1,510,146$2,566,593$275,840 DEPOSITORY CORPORATE ACTIVITIES Corporate Applications Annual Overview Marcia A. Ryan, Assistant Commissioner The Commissioners Office began the fiscal year with regulatory responsibility for forty-nine State-chartered banks, with combined assets of $21.8 billion and a total of 457 branches. By the end of fiscal year 2010, the total number of Maryland chartered banks had decreased to forty-eight, yet total assets had increased by 7% from the prior fiscal year. As of June 30, 2010, Maryland banks had combined assets of $23.2 billion, operated a total of 409 branches, and employed more than 5,419 individuals. The Commissioners Office also has regulatory responsibility for six Maryland-chartered non-depository trust companies, with more than $184 billion in trust assets; nine State-chartered credit unions, with combined assets of more than $4.1 billion (a 5% increase since the beginning of the fiscal year); and one SBA guaranteed lending corporation. Applications were received throughout the year from banks, trust companies, and credit unions seeking approval to implement various corporate changes to their organizations and/or to expand their business activities. However, as a result of the persistent and difficult economic conditions facing the financial industry, the level of application activity continued to be below normal. Just as was seen during the prior year, though, many of the applications submitted involved more complex and unusual issues and challenges than typically seen. We expect to see this trend continue throughout fiscal year 2011. During the past year, applications handled by the Corporate Activities group included: four bank conversions; one new interim bank charter; six mergers and acquisitions; seven bank affiliates; and six new branches. We also approved 12 representative office permits to out-of-state banking corporations, and acted on a wide range of other corporate applications. During fiscal year 2010, we were very pleased to welcome two additional banks into Marylands state banking system. In late 2009, CNB, which has been operating in Centreville, Maryland since 1876, successfully converted its charter from a national bank to a Maryland-chartered commercial bank. Carroll Community Bank, which was originally chartered in 1887 and is located in Sykesville, Maryland, converted from a federal mutual savings association to a Maryland-chartered mutual savings bank in June 2010. We look forward to a long and successful working relationship with each of these institutions. As we move into fiscal year 2011, we will continue to work with two additional banks that have filed applications for possible charter conversions. Furthermore, we have had a number of discussions with bankers from federally-chartered mutual thrifts who have expressed interest in converting their institutions to Maryland-chartered mutual savings banks, and then subsequently converting them to Maryland-chartered commercial banks. We expect to receive the first such application in early 2011. BANKS, CREDIT UNIONS and TRUST COMPANIES Activity on Selected Applications July 1, 2009 through June 30, 2010 NEW CHARTERS Institution /Type of Conversion Location of Main Office Approval Date CARROLL COMMUNITY BANK Sykesville, MD 06/22/10 Mutual Savings Bank CONVERSIONS to STATE BANK CHARTERS Institution /Type of Conversion Location Former Name Approval Date CNB Centreville, MD Centreville National Bank 12/14/09 Converted from a national bank to a State-chartered commercial bank CARROLL COMMUNITY BANK Sykesville, MD Sykesville Federal Savings 06/23/10 Converted from a federal mutual thrift Association to a State-chartered mutual savings bank MADISON BANK of MARYLAND Forest Hill, MD Madison Bank of Maryland Pending Request to convert from a federal mutual thrift to a State-chartered mutual savings bank NATIONAL BANK OF CAMBRIDGE Cambridge, MD National Bank of Cambridge Pending Request to convert from a national bank to a State-chartered commercial bank MERGERS and ACQUISITIONS Surviving Institution Merged/Acquired Institution Approval Date Principal Location Principal Location COLUMBIA BANK Peoples Bank of Elkton 07/02/09 Columbia, MD Elkton, MD COLUMBIA BANK Hagerstown Trust Company . 07/02/09 Columbia, MD Hagerstown, MD CAPITAL FUNDING BANCORP, INC. AmericasBank Corp . 08/11/09 Baltimore, MD Towson, MD CAPITAL FUNDING BANCORP, INC. AmericasBank 08/11/09 Baltimore, MD Towson, MD CARROLL COMMUNITY BANK Sykesville Federal Savings Association 06/23/10 Sykesville, MD Sykesville, MD CNB Felton Bank Pending Centreville, MD Felton, DE AFFILIATES Parent Co. Affiliate Approval Date Principal Location CAPITAL FUNDING BANCORP, INC/ Capital Funding LLC 08/11/09 AMERICASBANK Baltimore, MD CAPITAL FUNDING BANCORP, INC/ Capital Funding HUD, LLC 08/11/09 AMERICASBANK Baltimore, MD FIRST UNITED BANK & TRUST Liberty Mews Limited Partnership 11/13/09 Oakland, MD CECIL BANK 3106 Emmorton Road LLC 12/30/09 Elkton, MD First United Bank & Trust First OREO Trust 06/21/10 Oakland, MD First United Bank & Trust Cumberland Liquidation Trust 06/30/10 Oakland, MD MISCELLANEOUS Institution Name Application Filed Approval Date CHEVY CHASE TRUST COMPANY Wild Card application to exempt Trust Company 09/22/09 from required closing on certain holidays AMERICASBANK Articles of Amendment to change Banks 11/12/09 legal name to CFG Community Bank CFG COMMUNITY BANK Request to use temporary trade name 11/12/09 AmericasBank FIRST UNITED BANK & TRUST Wild Card application for approval to invest in 11/13/09 Liberty Mews Limited Partnership, a community development entity in Garrett County Maryland FARMERS BANK OF WILLARDS Request to reduce par value of Banks 12/09/09 capital stock CHEVY CHASE TRUST COMPANY Articles of Amendment and Restatement to 03/17/10 Authorize issuance of Class B Stock CECIL BANK Articles of Amendment for the Fourth 03/23/10 Article of the Banks Articles of Incorporation POINT BREEZE CREDIT UNION Request to be Designated as a Treasury Tax 04/30/10 Loan Depository BRANCH OPENINGS & CLOSINGS -- STATE BANKS Institution Name Main Office Opened Closed EAGLEBANK Bethesda, MD 0 2 EASTON BANK & TRUST Easton, MD 0 1 FIRST MARINER BANK Baltimore, MD 0 3 HARFORD BANK Aberdeen, MD 1 0 HEBRON SAVINGS BANK Hebron, Md 1 0 howard bank Ellicott, MD 1 0 monument bank Bethesda, md 1 0 patapsco bank, the Baltimore, md 0 1 QUEENSTOWN Bank of Maryland Queenstown, MD 1 0 sandy spring bank Olney, md 1 0 Total Branches Approved = 6 Total Branches Closed = 7 STATE-CHARTERED COMMERCIAL BANKS and SAVINGS BANKS As of June 30, 2010 Bank Principal Total Assets No. of CRA Name Location (in thousands) Branches Rating Bank of Glen Burnie, The Glen Burnie $353,481 8 Satisfactory Bank of Ocean City Ocean City $144,532 6 Satisfactory Bank of the Eastern Shore Cambridge $223,008 2 Satisfactory BankAnnapolis Annapolis $431,687 8 Satisfactory Blue Ridge Bank Frederick $102,004 1 Satisfactory Calvin B. Taylor Banking Company Berlin $400,166 10 Satisfactory CFG Community Bank Baltimore $397,819 3 Satisfactory CNB Centreville $341,461 9 Satisfactory Carroll Community Bank Sykesville $95,478 2 Outstanding Carrollton Bank Baltimore $403,622 10 Satisfactory Cecil Bank Elkton $504,047 11 Outstanding Chesapeake Bank and Trust Company Chestertown $95,546 2 Satisfactory Columbia Bank, The Columbia $2,179,837 42 Satisfactory CommerceFirst Bank Annapolis $210,707 5 Satisfactory Community Bank of Tri-County Waldorf $839,913 10 Satisfactory Congressional Bank Bethesda $202,986 4 Satisfactory County First Bank LaPlata $188,713 6 Satisfactory Damascus Community Bank Damascus $236,651 6 Satisfactory EagleBank Bethesda $1,902,123 13 Satisfactory Easton Bank & Trust Company Easton $161,599 6 Satisfactory Farmers and Merchants Bank Upperco $227,202 7 Satisfactory Farmers Bank of Willards, The Willards $346,113 8 Satisfactory First Mariner Bank Baltimore $1,348,512 23 Satisfactory First United Bank and Trust Oakland $1,768,423 27 Satisfactory Frederick County Bank Frederick $297,687 4 Satisfactory Glen Burnie Mutual Savings Bank, The Glen Burnie $69,838 1 Satisfactory Harbor Bank of Maryland, The Baltimore $300,558 7 Outstanding Harford Bank Aberdeen $269,763 7 Satisfactory HarVest Bank of Maryland Rockville $207,028 4 Satisfactory Hebron Savings Bank Hebron $456,482 10 Satisfactory Howard Bank Ellicott City $308,932 5 Satisfactory K Bank Randallstown $591,650 7 Satisfactory Maryland Financial Bank Towson $83,105 1 N/A Middletown Valley Bank Middletown $142,513 5 Satisfactory Monument Bank Bethesda $277,136 2 Satisfactory NBRS Financial Rising Sun $274,671 9 Satisfactory New Windsor State Bank Taneytown $239,826 6 Satisfactory Old Line Bank Bowie $400,059 13 Satisfactory Patapsco Bank, The Baltimore $269,877 5 Satisfactory Peoples Bank, The Chestertown $246,135 7 Outstanding Provident State Bank, Inc. Preston $255,737 9 Satisfactory Queenstown Bank of Maryland, The Queenstown $450,929 9 Satisfactory Regal Bank and Trust Owings Mills $184,360 4 Satisfactory Revere Bank Laurel $145,613 2 Satisfactory Saint Casimirs Savings Bank Baltimore $106,721 4 Needs to improve Sandy Spring Bank Olney $3,699,266 43 Satisfactory Talbot Bank, The Easton $684,140 7 Satisfactory Woodsboro Bank Woodsboro $213,088 9 Satisfactory Total Number of State Banks: 48 Total Branches: 409 Total Employees: 5,419 Total Assets: $23,185,266 STATE-CHARTERED CREDIT UNIONS As of June 30, 2010 Credit Union Principal Total Assets Field of Name Location (in thousands) Membership Type Central Credit Union of Maryland Baltimore $19,955 Multiple Common Bond Destinations Credit Union Baltimore $47,897 Multiple Common Bond Fort Meade Community Credit Union Fort Meade $30,729 Community Common Bond Members First Credit Union Baltimore $33,458 Multiple Common Bond Municipal Employees Credit Union Baltimore $1,105,863 Multiple Common Bond Point Breeze Credit Union Hunt Valley $698,013 Multiple Common Bond Post Office Credit Union of MD Baltimore $33,663 Single Common Bond State Employees Credit Union of MD Linthicum $2,103,964 Multiple Common Bond U.S. Coast Guard Community Credit Union Baltimore $34,344 Community Common Bond Total Number of State Credit Union: 9 Total Branches: 35 Total Employees: 990 Total Assets: $4,107,886 STATE-CHARTERED NON-DEPOSITORY TRUST COMPANIES As of June 30, 2010 Trust Company Principal Trust/Fiduciary Name Location Business Purpose Brown Investment Advisory and Trust Co. Baltimore Investment Advisory Services Chevy Chase Trust Bethesda Investment Management & Financial Planning NewTower Trust Company Bethesda Trustee for Multi-Employer Property Trust Old Mutual Asset Management Trust Company Baltimore Trust Administrative Services Securities Finance Trust Company Baltimore Securities Lending T. Rowe Price Trust Company Baltimore Investment Management National Banks, Federal Savings Banks and Other-State Banks Operating Branches in Maryland As of June 30, 2010 Total National Principal Branches in Assets Banks Location Maryland (in thousands) Adams National Bank Washington, DC 1 $262,857 Asia Bank, N.A. Flushing, NY 1 $450,137 BNY Mellon, N.A. Pittsburgh, PA 1 $11,232,026 Bank of America, N.A. Charlotte, NC 195 $1,518,957,843 Bank of Oklahoma, N.A. Tulsa, OK 1 $16,621,007 Bay National Bank Baltimore, MD 2 $217,743 Capital Bank, N.A. Rockville, MD 2 $255,581 Capital One Bank, N.A. McLean, VA 129 $123,523,320 Citibank, N.A. Las Vegas, NV 16 $1,157,877,000 HSBC Bank USA, N.A. McLean, VA 2 $183,595,108 Legg Mason Investment Counsel & Trust, NA Baltimore, MD 1 $83,459 Maryland Bank and Trust Company, N.A. Lexington Park, MD 10 $348,063 National Bank of Cambridge Cambridge, MD 3 $229,512 National Penn Bank Boyertown, PA 1 $8,992,157 PNC Bank, N.A. Pittsburgh, PA 227 $251,075,292 TD Bank, N.A. Wilmington, DE 13 $152,617,020 Wells Fargo, N.A. Sioux Falls, SD 82 $1,073,280,000 Woodforest National Bank Houston, TX 8 $3,138,382 Total Federal Savings Principal Branches in Assets Banks / Thrifts Location Maryland (in thousands) Advance Bank Baltimore, MD 3 $78,597 American Bank Rockville, MD 3 $537,347 Arundel Federal Savings Bank, FSB Glen Burnie, MD 6 $495,945 Baltimore County Savings Bank, FSB Baltimore, MD 18 $618,268 Bay-Vanguard Federal Savings Bank Baltimore, MD 5 $159,910 Chesapeake Bank of Maryland Baltimore, MD 5 $201,070 Colombo Bank Rockville, MD 3 $158,715 Community First Bank Pikesville, MD 1 $58,018 Eastern Savings Bank, FSB Hunt Valley, MD 4 $894,181 Fairmount Bank Baltimore, MD 1 $71,937 Total Federal Savings Principal Branches in Assets Banks / Thrifts Location Maryland (in thousands) First Shore Federal Savings & Loan Assoc. Salisbury, MD 7 $344,231 Fraternity Federal Savings & Loan Assoc. Baltimore, MD 4 $167,853 Fullerton Federal Savings Association Baltimore, MD 1 $9,377 Hamilton Federal Bank Baltimore, MD 5 $326,876 Homewood Federal Savings Bank Baltimore, MD 1 $74,617 Hopkins Federal Savings Bank Baltimore, MD 2 $326,931 Hull Federal Savings Bank Baltimore, MD 1 $26,727 Ideal Federal Savings Bank Baltimore, MD 1 $6,177 Jarrettsville Federal Savings &Loan Assoc. Jarrettsville, MD 1 $90,973 Kopernik Federal Bank Baltimore, MD 1 $37,855 Kosciuzsko Federal Savings Bank Baltimore, MD 1 $13,606 Liberty Federal Savings &Loan Association Baltimore, MD 3 $49,835 Madison Bank of Maryland Forest Hill, MD 5 $159,110 Madison Square Federal Savings Bank Baltimore, MD 5 $150,758 Midstate Federal Savings & Loan Assoc. Baltimore, MD 1 $165,596 North Arundel Savings Bank, FSB Pasadena, MD 1 $35,020 OBA Bank Germantown, MD 5 $374,216 Presidential Bank, FSB Bethesda, MD 2 $590,041 Prince Georges Federal Savings Bank Upper Marlboro, MD 3 $101,980 Rosedale Federal Savings &Loan Association Baltimore, MD 8 $697,808 Severn Savings Bank, FSB Annapolis, MD 4 $997,477 Slavie Federal Savings Bank Bel Air, MD 2 $200,193 T. Rowe Price Savings Bank Baltimore, MD 1 $189,875 Vigilant Federal Savings Bank Baltimore, MD 1 $56,760 Washington Savings Bank, FSB Bowie, MD 5 $410,563 Wilmington Trust, FSB Baltimore, MD 1 $1,962,452 Total Banks Chartered by Principal Branches in Assets Other States Location Maryland (in thousands) BB&T Winston-Salem, NC 130 $149,199,450 Bank of Delmarva Seaford, DE 6 $435,354 Bank of Georgetown Washington, DC 1 $464,437 BealBank, SSB Plano, TX 1 $3,470,012 CNB Bank, Inc. Berkeley Springs, WV 1 $282,821 Cardinal Bank McLean, VA 1 $2,061,681 Centra Bank, Inc. Morgantown, WV 2 $1,368,949 Clear Mountain Bank Bruceton Mills, WV 1 $395,929 Essex Bank Tappahannock, VA 7 $1,202,010 First-Citizens Bank & Trust Company Raleigh, NC 1 $18,157,194 Graystone Tower Bank Lancaster, PA 3 $1,585,394 Industrial Bank Washington, DC 2 $381,941 Jefferson Security Bank Shepherdstown, WV 1 $255,497 John Marshall Bank Falls Church, VA 1 $286,814 M&T Bank Buffalo, NY 221 $67,250,903 Miners & Merchants Bank Thomas, WV 1 $48,273 Northwest Savings Bank Warren, PA 5 $8,160,667 Orrstown Bank Shippensburg, PA 2 $1,338,384 PeoplesBank Glen Rock, PA 2 $913,659 Shore Bank Onley, VA 3 $335,935 SonaBank McLean, VA 1 $613,049 Standard Bank, PaSB Murrysville, PA 2 $395,343 SunTrust Bank Atlanta, GA 136 $160,508,913 Susquehanna Bank Lititz, PA 44 $13,757,184 United Bank Fairfax, VA 8 $3,732,097 United Central Bank Garland, TX 1 $2,625,616 WashingtonFirst Bank Reston, VA 3 $418,855 Woori America Bank New York, NY 1 $1,074,355 ENFORCEMENT Annual Overview Calvin I. Wink, Jr., Acting Assistant Commissioner The Enforcement Team is supervised by Acting Assistant Commissioner Wink and is comprised of five investigators, including two bi-lingual English/Spanish speaking investigators. In fiscal year 2010, the Team investigated 420 cases (316 in Fiscal 2009). This constitutes a 33% increase in the number of investigations assigned compared to last fiscal year. Of those cases, 310 of were mortgage-fraud related. In addition to conducting investigations, members of the Team remained proactive in fighting mortgage fraud, participating in foreclosure prevention seminars sponsored by the Governor and other elected officials.  The largest single area of investigation and more than half of the mortgage investigations related to loan modification abuses. With the decline in the economy and increase in consumers having difficulty meeting their mortgage payments, third parties have sought to capitalize by charging consumers up front fees in exchange for offering assistance in obtaining a loan modification. Unfortunately as many people discovered, many of these companies were more interested in collecting upfront fees from them rather than providing any services. Consumers who paid anywhere from $1,000 to $5,000 too often found that no progress was made and, worse, they had wasted critical time as well as money. Maryland, as one of the first states in the country to recognize the growing foreclosure-related problem of loan modification consulting scams, implemented an aggressive response. Following advisories to consumers and the mortgage industry in August 2008 and January 2009, the Office began taking action based on investigations conducted by the enforcement unit. In fiscal year 2010, this effort yielded 32 cease and desist orders, and 7 consent orders/agreements. This effort resulted in more than $152,000.00 in refunds to consumers. As of this publication, the Office has more than 165 loan modification complaints under investigation. The Offices enforcement activities have been aided by grant funding. In January 2010, the Office received a one year Grant from the Governors Office of Crime Control and Prevention to ramp up enforcement of mortgage fraud. Grant funds provided salary and related expenses for an additional attorney and a paralegal focused on mortgage fraud. These employees were directed to improve coordination with partner agencies at the state, local and federal levels in combating and prosecuting fraud criminally and enforce the mortgage fraud laws. In partnering with other law enforcement agencies, the Office was an active participant in the Maryland Mortgage Fraud Task Force sponsored by Office of United States Attorney Rod Rosenstein. The Task Force accepted several referrals for investigation from the Commissioner. The Enforcement Team participated in a training session for the Task Force members and was a presenter of a section on mortgage fraud red flags. The Office has also partnered with local law enforcement agencies. In particular, the enforcement team continues to work closely with the Prince Georges County States Attorneys Office, which maintains a prosecutor on staff dedicated solely to mortgage fraud issues. Highlights include the following cases: One consumer complaint involved an individual who was committing fraud while working for a mortgage company by attempted to originate mortgages without a license and accepting money from applicants to improve their credit scores in violation of the Credit Services Business Act. After a through investigation by the Enforcement Team, the investigation was referred to the Prince Georges County States Attorneys Office for criminal prosecution. In late 2009, the respondent pled guilty to numerous counts of mortgage fraud and theft. The respondent was given a suspended sentence and ordered to pay restitution of $42,000 to two victims. The Office received multiple complaints about a loan modification company operating in Northern Virginia that targeted Maryland consumers, particularly Spanish-speaking residents. Over 330 consumers in Maryland were identified, but more specifically, 131 of them are Spanish-speaking residents of Prince Georges County have paid upfront fees totaling over $340,000.00 for loan modification services that they never received. Based on an investigation by the enforcement team, the Commissioner issued a Ceases and Desist Order and referred the matter for criminal prosecution to the Prince Georges County States Attorney. This referral culminated in the states first indictment for loan modification abuses in November 2010. The Office of the Commissioner also completed an investigation into the litigation related practices of collections agencies. Many of these companies purchase delinquent consumer debt and then file hundreds or, in some cases, thousands of lawsuits against Maryland borrowers. In December of 2009, the Office settled an action against one of the largest collections agencies in the country which had filed more than 30,000 actions since 2001. The Collection Agency agreed to revise its litigation practices, among other things, and paid a $998,000 fine. Following this investigation, the agencys principal law firm based in Rockville, Maryland had its collection license suspended by the Commissioner and thereafter collapsed. This resulted in the dismissal of over 30,000 collection actions filed in District Court by the company across the State. NON-DEPOSITORY INSTITUTIONS Mortgage Compliance Examinations Annual Overview Janet Ericson, Unit Supervisor The Mortgage Compliance Unit monitors the business activities of licensed mortgage lenders and mortgage loan originators in Maryland. Maryland Mortgage Lenders are licensed to conduct mortgage lending, mortgage brokering, and mortgage servicing of loans; while the Mortgage Originators are licensed employees of the mortgage lender licensee, who have direct contact and interaction with consumers throughout the process. The Mortgage Compliance Unit is responsible for conducting compliance examinations of licensed mortgage lenders, whose range of services, coupled with the multitude of laws and regulations governing the extension of credit, provide for complex analysis and review. In addition to Maryland law, examiners evaluate compliance with federal laws, including the Real Estate Settlement Procedures Act, the Truth in Lending Act, and recent extensive revisions to both. Last year, the Compliance Unit developed extensive examination procedures and guidelines for the examination of mortgage servicers, which are more specialized, far-reaching and time-consuming for the Examiners. This type of examination had not been undertaken previously, but the results soon benefited Maryland consumer borrowers. In June of 2010, the Commissioner announced refunds to Maryland consumers of approximately $246,000, related to a series of completed regulatory examinations of mortgage loan servicers. The Mortgage Compliance Unit has emerged as a leader in the area of servicer-examination and has taken a key role in the multi-state efforts to examine foreclosure practices, including document preparation and oversight, in light of public concerns relating to defective affidavits filed in foreclosure proceedings. Marylands Mortgage Compliance Unit has completed more than 700 examinations of mortgage lender licensees during fiscal year 2010. As a result, Maryland consumers received refunds of over $1,000,000 during FY 2010. Fines and civil penalties were also collected by the Commissioners office. Since Congress enacted the Safe and Fair Enforcement for Mortgage Licensing Act in July of 2008, more commonly known as the SAFE Act, members of the Compliance Unit have served on the national SAFE Testing and Education Committee, as well as the committee which developed the Maryland specific portion of the SAFE testing and education committee; and in 2011, members are serving on the national SAFE test revisions questions. In 2011, the Mortgage Compliance Unit is exploring risk based examinations, new government programs, regulatory and policy changes, and specific consumer issues including loan modifications and foreclosure errors. Non-Mortgage Compliance Unit Annual Overview Sabrina Brown, Unit Supervisor The Office of the Commissioner oversees non-mortgage, non-depository institutions that provide credit to Maryland consumers, including: Money Transmitters, Debt Management Services, Check Cashers, Sales Finance Companies, Credit Service Businesses and Installment Loan Companies. In 2010, Maryland consumers seeking access to credit continued to face tightening underwriting standards for credit approval leading to increased reliance on nontraditional institutions, such as check cashing facilities, money transmitters and pay day lenders. Additionally, the global financial crises, uncertainty in the credit markets, and increased unemployment have lead to increased levels of consumer debt delinquencies and, consequently, reliance on debt relief service providers. Total U.S. consumer debt (which includes credit card debt and non-credit card debt but not mortgage debt) reached $2.45 trillion as of March 2010. Such increases in consumer demand has required closer oversight of the industries licensed by the Commissioner. Many of the non-depository institutions regulated by the Office of the Commissioner offer diverse products to consumers through a number of products and services that are constantly evolving to keep up with consumer demand. Money Transmitters transmit funds electronically, provide money orders, travelers checks, bill payer services, bi-weekly mortgage payment services and prepaid stored value cards. As technology improves, money transmitters continue to find ways to participate in the marketplace. For example, demand for prepaid cards continues to grow as product offerings expand through the use of gift cards, campus cards, payroll cards and telephone cards. Accordingly, examiners must stay up to date with the changing industry through examination, oversight and leveraging of resources through partnerships. Examiners have participated in the Money Transmitter Regulators Association joint examination committee where national licensees are strategically examined by a team of examiners from two to eight states. Money Transmitters are considered Money Service Business and are required to adhere to the federal Bank Secrecy Act (BSA) and Anti-Money Laundering regulations. As a result, Examiners participated in a pilot program with the Internal Revenue Services aimed at consistency with the BSA in order to deter money laundering. Debt Management Companies are licensed in Maryland and provide consumers access to payment plans that permit repaying debt over time with some accommodation from the creditor by enrolling in a debt management plan. With the assistance of a credit counselor or some other debt management service provider, an agreement is entered into that provides full repayment over time in exchange for concessions by the creditor. The increasing number of consumers holding unsecured debt that they cannot pay has created elevated demand for debt relief services. On May 4, 2010, Governor Martin OMalley approved Chapters 338 (Senate Bill 701) and 339 (House Bill 392), the Maryland Debt Settlement Services Study Act, which became effective on July 1, 2010. The Act required the Office of the Commissioner of Financial Regulation in consultation with the Consumer Protection Division of the Office of the Attorney General to conduct a study of the debt settlement services industry. The Act also required the study to make recommendations on how best to regulate the debt settlement services industry in the State. The final draft of the Study was provided to Members of the General Assembly in December. The Non-Depository Compliance Unit consistently works with other state regulators through the National Association of Consumer Credit Administrators and Money Transmitters Regulators Association, credit counseling industry associations as well as state and federal law enforcement and the Internal Revenue Service. NON-DEPOSITORY INSTITUTIONS Licensing Annual Overview Anne Ecker, Director The Office of the Commissioner licenses close to 10,000 nondepository institutions and individuals engaging in financial services. The large majority of these licensees provide consumer credit such as mortgage loans, consumer loans, and retail sales financing in addition to check cashers, collection agencies, debt management companies, mortgage loan originators and money transmitters. The Office witnessed a reduction in active licensees over the past year with the exception of check cashers which saw a modest increase in active licensees. Throughout 2010, previously profitable institutions, such as mortgage lenders, saw a dramatic decline in demand for services resulting from the downturn in the housing market and tightening credit markets. Mortgage lenders have found it increasingly difficult to conduct operations profitably in the current economic climate. Additionally, the overhaul of two key federal laws, the Real Estate Settlement Procedures Act and the Truth in Lending Act, in which originator compensation and disclosure must adhere to stringent standards, has created considerable uncertainty relating to the viability of non-depository mortgage lending as an industry going forward. Ironically, while regulatory and enforcement activities undertaken by the Office have increased in the area of mortgage lending, the number of licensees continues to decline. It is important to note, however, that the Consumer Financial Protection Act of 2010 (the Act), signed into law on July 21, 2010, as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act, effectively eliminates the extension of preemption from state licensing and regulation for operating subsidiaries of national banks and thrifts. In light of these changes, operating subsidiaries will be forced to either obtain a state license or be subsumed by the parent bank. Consequently, it is possible that the number of licensees may increase as national banks and thrift adapt to the requirements of the Act. The transition to the Nationwide Mortgage Licensing System (NMLS) began on May 11, 2009 and will end on December 31, 2010. The Office continues to screen new and previously licensed mortgage loan originators using the comprehensive requirements set-forth in the S.A.F.E. Mortgage Licensing Act. Unfortunately, there have been instances where previously licensed originators cannot satisfy the qualification requirements provided for in the new law. In November of 2010, the Office will begin renewing mortgage lender and mortgage loan originator licenses on the NMLS for the first time. Through this process, Maryland converted to a one-year license cycle which coincides with the calendar year for all mortgage licenses. New Business Licensees and Total Current Business Licensees by Category July 1, 2009 to June 30, 2010 New LicenseesTotal LicenseesMortgage Lender  4061478Check Cashers 57 517Credit Service Businesses 5 5Sales Finance  79 545Installment Loan  12 112Collection Agency  2161,442Consumer Loan  14 129Money Transmitter 10 70Debt Management 3 33Mortgage Insurance Producers 9 35Mortgage Originator 2,570 5,007 TOTAL  3,381  9,373  Consolidated Written Consumer Complaint Analysis Fiscal Years Ending June 30 Complaint Type 201020092008 2007Mortgage Complaints593654601419Collection Agency Complaints563590589596Non-Maryland Bank Complaints (*)748636538649Credit Reporting Complaints321407483632General Consumer Complaints302238236188Maryland Bank and Credit Union Complaints47887666Miscellaneous Complaints 29373447Consolidated Annual Complaint Totals2,603 2,6502,5972,682 (*) Complaints received against institutions not regulated by this office, including national banks, federal savings banks, savings and loan associations, federal credit unions and out-of-state banks. Monetary Recoveries for Consumers and the Maryland General Fund July 1, 2009 to June 30, 2010 Monetary recoveries for consumers are an essential part of the Commissioners commitment to protect the public from economic harm caused by problems in the consumer credit market. During fiscal year 2010, the Commissioners Office recovered a total of $2.5 million for consumers. These recoveries included refunds for consumers who were charged amounts not permissible under State or federal law, elimination of charges or fees that were not properly imposed, and other forms of relief. Additionally, as a result of our investigations, the Commissioners Office imposed fines and penalties on consumer lender licensees that we determined had violated various State laws and/or regulations. The fines and penalties exceeded $1.6 million, which was an increase of 45% over the previous years figure of $1,121,539. These fines were paid to the States General Fund, and were primarily related to the activities of unlicensed mortgage companies and mortgage originators.  OFFICE OF THE COMMISSIONER OF FINANCIAL REGULATION MISSION The Office of the Commissioner of Financial Regulation supervises the activities of the financial services industry under its regulatory authority through periodic on-site examinations and off-site monitoring programs. The mission of the Commissioners Office is to ensure that the citizens of Maryland are able to conduct their financial transactions in safe, sound, and well-managed institutions, while providing a flexible, yet sound regulatory environment that promotes fair competition, encourages innovative business development, and supports the economy of Maryland. ACCREDITATION Since July 13, 1992, the Office of the Commissioner of Financial Regulation has been accredited by the Conference of State Bank Supervisors (CSBS). The Commissioners Office is proud of this accreditation, and was granted recertification in December 2007 after demonstrating compliance with the approval standards established by CSBS. CSBS is a national organization that represents the interests of state banking departments. State banking departments must undergo a re-accreditation examination and audit every five years and submit annual assessment updates in order to retain certification. The CSBS Accreditation Program is designed to encourage the standardization of supervision and regulation of state chartered banks, identify weaknesses, and capitalize on the strengths of state banking departments. The process assists the Commissioners Office to effectively carry out its responsibilities of chartering and supervising State chartered financial institutions, of ensuring industry safety and soundness, legal and regulatory compliance, and providing responsive service. OFFICE REVENUE and EXPENDITURES The Office of the Commissioner of Financial Regulation is a self-supporting unit of the State Government, with little of its operating expenditures funded from tax revenues. The Offices funding is obtained mostly from the supervision, examination, application, and licensing fees assessed upon those financial institutions regulated by the Commissioner. During fiscal year 2010, funds collected by the Commissioners Office were remitted to the States General Fund, with the exception of four Special Funds, which are directly funded by Maryland-licensed mortgage lenders, money transmitters, debt management companies and Maryland state chartered banks, credit unions and non-depository trust companies to cover the costs of supervising those industries. The following charts compare the Offices revenue and expenditures for fiscal years 2009 and 2010. REVENUE and EXPENDITURES General Fund Fiscal Years Ending June 30 REVENUEFY 2010FY 2009Non Depository Investigation & License Fees$834,905$1,300,090Penalties Cash*$1,622,895$800,111 Penalties Non Cash$0$321,428Miscellaneous Income/Other$115$2,415 TOTAL REVENUE  $2,457,915  $2,424,044*All fines and penalties from all Programs are deposited into the General Fund. EXPENDITURESFY 2010FY 2009Salaries and Benefits$860,727$792,439Technical and Special Fees$0Communication$0Travel/Training$810Lease Expense, Parking Facilities $139Contractual Services$11,113$0Supplies and Materials$0Equipment 105Fixed Charges, Rent$0 TOTAL EXPENDITURES  $871,840 $793,493 Net Revenue $1,586,075 $1,630,551 REVENUE and EXPENDITURES Bank & Credit Union Special Fund Fiscal Years Ending June 30 REVENUEFY 2010FY 2009Bank & Credit Union Annual Assessments$2,911,382$3,564,206Non-Depository Trust Comp. Annual Assessments$244,104$178,179Depository Amendment and Filing Fees$59,300$47,140Miscellaneous Income/Other($500)$88,107 TOTAL REVENUE  $3,214,286 $3,877,632EXPENDITURESFY 2010FY 2009Salaries and Benefits$1,818,504$2,083,585Technical and Special Fees$188,431$136,810Communication$56,991$74,656Travel/Training$224,347$204,820Lease Expense, Parking Facilities $5,352$7,325Contractual Services$179,225$212,554Supplies and Materials$5,861$2,946Equipment $19,757$33,072Fixed Charges, Rent$181,638$34,442 Administrative Expenses $348,582$420,444  TOTAL EXPENDITURES  $3,028,688 $3,210,655 Net Revenue $185,598 $666,977 Balance Carried Forward (End of FY) $852,575 $666,977  REVENUE and EXPENDITURES Special Fund Debt Management Fiscal Years Ending June 30 REVENUEFY 2010FY 2009Non Depository Examinations$19,788$26,052Non Depository Investigation & Licensing Fees$106,000$28,000Miscellaneous Income/Other$8,291$350 Total Revenue $134,079 $54,402 EXPENDITURESFY 2010FY 2009Salaries and Benefits$57,504$13,385Technical and Special Fees$0Communication$0Travel/Training$16,366$17,007Lease Expense, Parking Facilities $869$919Contractual Services$22$10Supplies and Materials$25$0Equipment $0Fixed Charges, Rent$537$52Administrative Expenses$14,894$7,460 Total Expenditures  $90,216 $38,833 Net Revenue $43,863 $15,569 Balance Carried Forward (End of FY) $67,089 $23,226 REVENUE and EXPENDITURES Special Fund Money Transmitters Fiscal Years Ending June 30 REVENUEFY 2010FY 2009Non Depository Examinations$11,695$19,000Non Depository Investigation & Licensing Fees$341,000$23,179Miscellaneous Income/Other$73,848$7,527 Total Revenue $426,543$49,706 EXPENDITURESFY 2010FY 2009Salaries and Benefits$246,878$209,197Technical and Special Fees$0$0Communication$324$261Travel/Training$17,306$35,816Lease Expense, Parking Facilities $1,618$2,075Contractual Services$1,811$19Supplies and Materials$0$108Equipment $0$0Fixed Charges, Rent$823$979Administrative Expenses$36,320$33,972Total Expenditures  $305,081 $282,427 Net Revenue $121,462 ($232,721) Balance Carried Forward (End of FY)  $348,467 $227,005 REVENUE and EXPENDITURES Special Fund Mortgage Originators Fiscal Years Ending June 30 REVENUEFY 2010FY 2009Non Depository Examinations$383,821$549,137Non Depository Investigation & Licensing Fees$3,674,056$2,622,484Interest on Fund Balance($143,066)$129,516Miscellaneous Income/Other$4,535$14,577 Total Revenue $3,919,346$3,315,714EXPENDITURESFY 2010FY 2009Salaries and Benefits$3,492,853$3,609,264Technical and Special Fees$213,109$257,286Communication$59,138$97,156Travel/Training$40,815$61,471Lease Expense, Parking Facilities $28,604$36,833Contractual Services$272,942$435,214Supplies and Materials$24,499$39,965Equipment $22,793$5,108Fixed Charges, Rent$166,786$128,499Administrative Expenses$608,595$743,822Total Expenditures $4,930,134$5,414,617 Net Revenue  ($1,010,789) ($2,098,903) Balance Carried Forward (End of FY)  $622,398 $1,633,186 Office of THE COMMISSIONER OF Financial Regulation MANAGEMENT ORGANIZATION CHART As of January 3, 2011 Mark A. Kaufman Commissioner Anne B. Norton Deputy Commissioner Teresa M. Louro Assistant Commissioner Bank Supervision Anne B. Norton Assistant Commissioner Non-Depository Supervision Joseph E. Rooney Assistant Commissioner Administration and Credit Union Supervision Marcia A. Ryan Assistant Commissioner Depository Corporate Activities Calvin Wink Acting Assistant Commissioner Enforcement and Complaints Keisha Whitehall-Wolfe Director Non-Depository Licensing Michael J. Jackson Director Regulatory Policy BOARDS As of June 30, 2010 Maryland Banking Board The Maryland Banking Board is a nine-member advisory group, consisting of the State Comptroller and eight members appointed by the Governor. The eight appointed positions include: three banking industry representatives, an economist, a certified public accountant, a consumer representative, and two public members. The function of the Board is to provide impartial advice, as needed, on certain bank applications submitted to the Commissioner, and on other general matters concerning the business of banking in this State. The Board meets at the request of the Commissioner. Board Members Hon. Peter Franchot Vacant Vacant State Comptroller Banking Representative Public Member Kamran A. Khan John R. Lane Vacant Economist Banking Representative Public Member Vacant Vacant Helen Won Certified Public Accountant Banking Representative Consumer Representative Maryland Collection Agency Licensing Board The Maryland Collection Agency Licensing Board has statutory responsibility for the licensing of collection agencies operating in Maryland. The Governor, with the consent of the Senate, appoints the four-member board, consisting of two consumer representatives and two industry representatives. The Commissioner serves as Chairman. The Board addresses written complaints, conducts hearings on alleged violations, mediates disputes, and issues orders requiring licensees to correct violations. The Board informs both licensees and the public about abusive debt collection practices. Board Members Sarah Bloom Raskin Chairman Stephen Hannan Susan Hayes Consumer Member Industry Member Eileen Farnham-Brandenberg Joanne Young Consumer Member Industry Member Office of the Commissioner of Financial Regulation Commissioners As of December 31, 2010 NAME  From To Mark A. Kaufman2010Present Sarah Bloom Raskin20072010 Charles W. Turnbaugh20032007 Mary Louise Preis19992003 H. Robert Hergenroeder 19961999 Margie H. Muller 19831996 Joseph R. Crouse 19801983 W. H. Holden Gibbs 19781980 William L. Wilson 19711978 William A. Graham19671971 Herbert R. O'Conor, Jr.19631967 W. R. Milford19601963 William F. Hilgenberg19591959 William H. Kirkwood, Jr. 19511959 Joseph P. Healy 19501951 J. Millard Tawes19471950 John W. Downing 19391947 Warren F. Sterling 19351939 John J. Ghingher19331935 George W. Page19191933 J. Dukes Downs19101919  In 1996, the Bank Commissioners Office was merged by statute with the Office of Consumer Credit, resulting in the change of title from Bank Commissioner to Commissioner of Financial Regulation.     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