The Banking Commissioner (“Commissioner”) is charged with the administration of Part IV of Chapter 668, Sections 36a-580 to 36a-589, inclusive, of the Connecticut General Statutes, “Check Cashing Services”, and Sections 36a-585-1, 36a-588-1, 36a-588-3 and 36a-588-4 of the Regulations of Connecticut State Agencies (“Regulations”).

Pursuant to the authority granted by Section 36a-17(a) of the 2012 Supplement to the General Statutes, the Commissioner, through the Consumer Credit Division (“Division”) of the Department of Banking, has investigated the activities of Respondent to determine if it has violated, is violating or is about to violate the provisions of the Connecticut General Statutes or Regulations within the jurisdiction of the Commissioner. 

Section 36a-17(a) of the 2012 Supplement to the General Statutes provides that:

Subsections (a) and (b) of Section 36a-51 of the 2012 Supplement to the General Statutes provide, in pertinent part, that:

Section 4-182 of the Connecticut General Statutes provides, in pertinent part, that:

1.	Respondent is a Connecticut limited liability company with its main office at 557 Park Street, Hartford, Connecticut.
2.	At all times relevant hereto, Respondent has been licensed to operate a general facility to engage in the business of cashing checks, drafts or money orders.
3.	At all times relevant hereto, Dennis Gomez (“Gomez”) has been the managing partner of Respondent.
4.	On August 31, 2011, Respondent filed a Renewal of Check Cashing Service License – Main Office General Facility application for the October 1, 2011 to September 30, 2013 renewal period (“Renewal Application”).
5.	On March 15, 2012, the Division sent a letter by certified mail to Respondent, pursuant to Section 4-182(c) of the Connecticut General Statutes, giving Respondent an opportunity to show compliance with all lawful requirements for the retention of its check cashing service license (“Compliance Letter”).  As part of the Compliance Letter, Respondent was requested to provide, among other things, a financial statement prepared by a CPA, including balance sheet and income statement for year end 2009 and 2010, no later than April 27, 2012.  Respondent received the Compliance Letter on March 16, 2012.
6.	On May 16, 2012, an examiner with the Division spoke with Gomez by telephone and advised Respondent that it had until May 21, 2012 to provide the financial statements requested in the Compliance Letter.
7.	To date, the Commissioner has not received any of the financial statements requested, as more fully described in paragraph 5 above.

Section 36a-587(a) of the Connecticut General Statutes provides, in pertinent part, that:

Section 36a-588-4 of the Regulations provides that:

Respondent’s failure to submit its financial statements to the Commissioner, as more fully described in paragraphs 5 through 7, inclusive, of the Matters Asserted, constitutes a violation of Section 36a-588-4 of the Regulations, which constitutes sufficient grounds for the Commissioner to refuse to renew Respondent’s check cashing service license pursuant to Section 36a-587(a)(3) of the Connecticut General Statutes and subsections (a) and (b) of Section 36a-51 of the 2012 Supplement to the General Statutes.

WHEREAS, the Commissioner has reason to believe that Respondent has engaged in acts or conduct which constitutes sufficient grounds for the Commissioner to refuse to renew Respondent’s check cashing service license pursuant to Section 36a-587(a)(3) of the Connecticut General Statutes and subsections (a) and (b) of Section 36a-51 of the 2012 Supplement to the General Statutes.

NOW THEREFORE, notice is hereby given to Respondent that the Commissioner intends to REFUSE TO RENEW Respondent’s check cashing service license, subject to its right to a hearing on the allegation set forth above.

A hearing will be granted to Respondent if a written request for a hearing is received by the Department of Banking, Consumer Credit Division, 260 Constitution Plaza, Hartford, Connecticut 06103-1800 within fourteen (14) days following its receipt of this Notice of Intent to Refuse to Renew Check Cashing Service License and Notice of Right to Hearing as set forth in subsections (a) and (b) of Section 36a-51 of the 2012 Supplement to the General Statutes.  This Notice of Intent to Refuse to Renew Check Cashing Service License and Notice of Right to Hearing shall be deemed received on the earlier of the date of actual receipt, or seven days after mailing or sending.  The enclosed Appearance and Request for Hearing Form must be completed and mailed to the above address.  If Respondent will not be represented by an attorney at the hearing, please complete the Appearance and Request for Hearing Form as “pro se”.  Once a written request for a hearing is received, the Commissioner may issue a notification of hearing and designation of hearing officer that acknowledges receipt of a request for hearing, designates a presiding officer and sets the date of the hearing in accordance with Section 4-177 of the Connecticut General Statutes and Section 36a-1-21 of the Regulations of Connecticut State Agencies.  If a hearing is requested, the hearing will be held on, August 28, 2012, at 10 a.m. at the Department of Banking, 260 Constitution Plaza, Hartford, Connecticut.

The hearing will be held in accordance with the provisions of Chapter 54 of the Connecticut General Statutes, unless Respondent fails to appear at the requested hearing.  At such hearing, Respondent will have the right to appear and present evidence, rebuttal evidence and argument on all issues of fact and law to be considered by the Commissioner.  

If Respondent does not request a hearing within the time prescribed, the Commissioner will issue an order refusing to renew Respondent’s check cashing service license in Connecticut.

Issued at Hartford, Connecticut
this 25th day of June 2012.              ________/s/_________
                                                   Howard F. Pitkin
                                                   Banking Commissioner

I hereby certify that on this 26th day of June 2012, the foregoing Notice of Intent to Refuse to Renew Check Cashing Service License and Notice of Right to Hearing was sent by certified mail, return receipt requested, to Envios Gomez, LLC, Attention:  Dennis Gomez, Managing Partner, 557 Park Street, Hartford, Connecticut 06106, certified mail no. 70110470000225730126.

                                                   ________/s/_________

                                                   Doniel Kitt
                                                   Prosecuting Attorney

---