19582 Federal Register / Vol. 74, No. 81 / Wednesday, April 29, 2009 / Notices 

[FR Doc. E9–9682 Filed 4–28–09; 8:45 am] 

BILLING CODE 4210–67–P 

DEPARTMENT OF HOUSING AND 

URBAN DEVELOPMENT 

[Docket No. FR–5316–N–01] 

Mortgagee Review Board; 

Administrative Actions 

AGENCY: Office of the Assistant 

Secretary for Housing-Federal Housing 

Commissioner, Department of Housing 

and Urban Development (HUD). 

ACTION: Notice. 

SUMMARY: In compliance with Section 

202(c) of the National Housing Act, this 

notice advises of the cause and 

description of administrative actions 

taken by HUD’s Mortgagee Review 

Board against HUD-approved 

mortgagees. 

FOR FURTHER INFORMATION CONTACT: Julie 

A. Shaffer, Acting Secretary to the 

Mortgagee Review Board, 451 Seventh 

Street, SW., Room B–133 (Portals 200), 

Washington, DC 20410–8000; telephone: 

(215) 861–7216. A Telecommunications 

Device for Hearing- and SpeechImpaired Individuals (TTY) is available 

at (800) 877–8339 (Federal Information 

Relay Service). 

SUPPLEMENTARY INFORMATION: Section 

202(c)(5) of the National Housing Act 

(added by Section 142 of the 

Department of Housing and Urban 

Development Reform Act of 1989, Pub. 

L. 101–235, approved December 15, 

1989), requires that HUD ‘‘publish a 

description of and the cause for 

administrative action against a HUDapproved mortgagee’’ by the 

Department’s Mortgagee Review Board 

(Board). In compliance with the 

requirements of Section 202(c)(5), this 

notice advises of administrative actions 

that have been taken by the Board from 

November 8, 2007 to March 12, 2009. 

I. Settlement Agreements, Civil Money 

Penalties, Withdrawal of FHA 

Approval, Suspensions, Probations, 

Reinstatement and Reprimand 

1. AAA Worldwide Financial Company, 

Addison, TX [Docket No. 07–7023–MR] 

Action: Settlement Agreement signed 

March 4, 2009. Without admitting 

liability or fault, AAA Worldwide 

Financial Company (AAA) agreed to: 

Pay HUD $115,000; buy-down two 

HUD/FHA-insured mortgages totaling 

$19,982; indemnify HUD/FHA for losses 

up to $20,144 on three loans; and 

indemnify HUD/FHA for any losses 

which have been or may be incurred on 

five other loans, if they were in default, 

or go into default from the endorsement 

date of each loan, through and up to five 

years from the effective date of the 

settlement agreement. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which AAA: 

Failed to implement a Quality Control 

Plan in compliance with HUD/FHA 

requirements; failed to separate UpFront Mortgage Insurance Premium 

(UFMIP) funds from operating funds, 

and failed to remit UFMIP to HUD/FHA 

within ten calendar days of the later of 

closing or disbursement; failed to 

submit loans for endorsement in a 

timely manner and falsely certified that 

loans were current when submitted for 

endorsement; failed to ensure that the 

maximum mortgage amount was 

properly calculated resulting in overinsured mortgages; failed to properly 

verify the source of funds for the earnest 

money deposits, gift funds and/or 

adequacy of funds for the cash 

requirements; failed to ensure 

Construction-Permanent Mortgage 

Program requirements were met; and 

allowed non-employees to originate and 

process HUD/FHA loans. 

2. Academy Mortgage, LLC, Catonsville, 

MD [Docket No. 07–7039–MR] 

Action: Settlement Agreement signed 

March 12, 2009. Without admitting 

liability or fault, Academy Mortgage, 

LLC, (Academy) agreed to pay HUD a 

civil money penalty in the amount of 

$18,500. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Academy: Permitted non-approved 

brokers to originate Home Equity 

Conversion Mortgage (HECM) loans in 

violation of HUD/FHA requirements; 

and failed to comply with HUD/FHA 

housing counseling referral 

requirements during the origination of 

HECM loans. 

3. Birmingham Bancorp Mortgage 

Corporation, West Bloomfield, MI 

[Docket No. 08–8017–MR] 

Action: Settlement Agreement signed 

August 20, 2008. Without admitting 

liability or fault, Birmingham Bancorp 

Mortgage Corporation (Birmingham) 

agreed to pay HUD $3,000 in 

administrative payment. 

Cause: The Board took this action 

based on the following violation of 

HUD/FHA requirements in which 

Birmingham: Failed to verify the 

borrower’s income from child support 

by providing a copy of the mortgagor’s 

divorce decree and evidence of her 

receipt of payment of child support for 

the most recent twelve-month period. 

4. BSM Financial, LP, dba Banksource 

Mortgage, Allen, TX [Docket No. 05– 

5047–MR] 

Action: In a letter dated January 16, 

2009, the Board permanently withdrew 

BSM Financial, LP’s (BSM), HUD/FHA 

approval. 

Cause: The Board took this action 

because BSM breached the settlement 

agreement entered into with the 

Department on October 4, 2006, by 

failing to remit its first installment 

payment. 

5. Colban Funding, Inc., Endwell, NY 

[Docket No. 04–4587–MR] 

Action: Settlement Agreement signed 

December 14, 2007. The Board 

reinstated Colban Funding, Inc.’s 

(Colban) HUD/FHA approval (the Board 

terminated Colban’s HUD/FHA approval 

on October 18, 2005). Colban agreed to 

pay HUD a civil money penalty in the 

amount of $15,000; and to indemnify 

HUD/FHA for its loss on one HUD/FHAinsured loan in the amount of $54,900. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Colban: Failed to identify an approved 

loan correspondent’s participation in 

one loan; used verification documents 

faxed from a third party; failed to 

analyze a prior sale adequately; failed to 

include installment debts that were 

nearing payment in full; failed to verify 

the source of a downpayment 

adequately; and failed to reconcile 

inaccuracies between HUD–1 

Settlement Statement loan closing in 

nine cases. 

6. Colony Mortgage Corporation, 

Fairview Park, OH [Docket No. 06– 

6032–MR] 

Action: Settlement Agreement signed 

January 23, 2008. Without admitting 

liability or fault, Colony Mortgage 

Corporation (Colony) agreed to resolve 

the Board matter by: Paying HUD 

$214,000, consisting of an 

administrative payment in the amount 

of $12,000 and reimbursement of losses 

to HUD in the amount of $202,000 on 

five HUD/FHA-insured loans. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Colony: Failed to ensure the borrowers 

met the minimum credit requirements 

and/or their credit was properly 

verified; and failed to verify income 

and/or stability of income properly. 

7. Curry Mortgage Connection, LLC, 

Arlington, TX [Docket No. 09–9555–MR] 

Action: In a letter dated January 9, 

2009, the Board withdrew Curry 


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Mortgage Connection, LLC’s, (Curry), 

HUD/FHA approval for one year. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Curry: Failed to submit the Executed 

Title II Yearly Verification Report; and 

failed to submit an acceptable audited 

financial statement(s) and 

supplementary reports through the 

Lender Assessment Sub-system (LASS). 

8. Epix Funding Group, Inc., Brandon, 

FL [Docket No. 08–8031–MR] 

Action: Settlement Agreement signed 

January 12, 2009. Epix Funding Group, 

Inc., (Epix) agreed to pay HUD a civil 

money penalty in the amount of $3,500. 

The Board also put Epix on six months 

probation. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which Epix: 

Used false and misleading 

advertisements on its corporate 

Webpage when it inappropriately 

displayed the official HUD seal, the 

FHA acronym, and advertised for the 

recruitment and establishment of 

prohibited branch arrangements. 

9. Fidelity Home Mortgage Corporation, 

Baltimore, MD [Docket No. 08–8102– 

MR] 

Action: In a letter dated October 8, 

2008, the Board suspended Fidelity 

Home Mortgage Corporation’s (Fidelity) 

HUD/FHA approval, pending further 

action by the Board. 

Cause: The Board took this action 

Fidelity violated HUD/FHA by 

permitting indicted individuals to 

participate in HUD/FHA programs as an 

officer, partner, director, and/or 

principal, of Fidelity. 

10. First Community Bank, Corpus 

Christi, TX [Docket No. 08–8074–MR] 

Action: Settlement Agreement signed 

on November 21, 2008. Without 

admitting liability or fault, First 

Community Bank (First Community) 

agreed to make an administrative 

payment to HUD in the amount of 

$22,500. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which First 

Community: Hired and retained as a 

bank branch manager, an individual 

debarred by HUD; and submitted annual 

re-verification reports to HUD for 2007 

and 2008, each containing a false 

certification stating First Community 

conformed to all HUD/FHA regulations 

necessary to maintain its HUD/FHA 

approval. 

11. First Rate Capital Corporation, dba 

Axis Mortgage, Melville, NY [Docket No. 

08–8030–MR] 

Action: In a letter dated December 30, 

2008, the Board placed First Rate 

Capital Corporation, dba, Axis Mortgage 

(First Rate), on 6 months probation, and 

imposed a civil money penalty in the 

amount of $3,500. 

Cause: The Board took this action 

based on the following violation of 

HUD/FHA requirements in which First 

Rate: Used misrepresentative 

advertising when it used the HUD logo/ 

seal on its business solicitations; and 

recruited for prohibited HUD/FHA 

branch arrangements. 

12. Five Star Partnership, LLC, dba Five 

Star Mortgage, Henderson, NV [Docket 

No. 08–8044–MR and HUDALJ 09–F– 

026–MR–6] 

Action: Settlement Agreement signed 

February 13, 2009. Five Star 

Partnership, LLC, dba Five Star 

Mortgage, (Five Star) agreed to pay HUD 

a civil money penalty in the amount of 

$15,000. On November 14, 2008, the 

Board issued a letter of reprimand to 

Five Star. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which Five 

Star: Submitted a false certification to 

HUD when it submitted its Yearly 

Verification Report for 2008; failed to 

comply with the condition for obtaining 

and/or maintaining HUD/FHA approval; 

violated the agreement, set forth in its 

application for approval, that it would 

comply with HUD/FHA regulations and 

requirements. 

13. Gatewood Mortgage Corporation, 

Houston, TX [Docket No. 07–7040–MR] 

Action: In a letter dated January 16, 

2009, the Board permanently withdrew 

Gatewood Mortgage Corporation’s 

(Gatewood) HUD/FHA approval. The 

Board also imposed a civil money 

penalty in the amount of $492,500. 

Gatewood’s FHA approval was 

suspended by the Board on November 

15, 2007, pending the results of a 

Quality Assurance Review that was in 

progress. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Gatewood: Failed to comply with a 

condition of approval set forth on its 

FHA-approval application by submitting 

false information with respect to the 

ownership and officers of Gatewood; 

violated HUD/FHA eligibility 

requirements by employing and 

retaining a debarred individual as an 

officer, director, principal and/or 

employee of the mortgagee; submitted 

false information in connection with 

multiple business change notifications 

to HUD, an annual re-verification dated 

December 18, 2006, and an initial HUD/ 

FHA approval application; submitted 

financial statements to HUD that were 

falsified and were not audited by a 

licensed certified public accountant for 

the fiscal years 2004, 2005 and 2006; 

violated HUD mortgagee employee and 

staffing requirements; permitted third 

parties to originate HUD/FHA insured 

mortgage loans and submitted false 

certifications on the HUD/VA 

Addendum to the URLA, Form HUD– 

92900–A; used the identity of 

individuals without their knowledge; 

and failed to properly document and/or 

provide sufficient documentation in 

connection with the source of funds 

required for closing. 

14. Guardian Nationwide Mortgage, 

Inc., Dallas, TX [Docket No. 07–7004– 

MR] 

Action: Settlement Agreement signed 

December 14, 2007. Without admitting 

liability or fault, Guardian Nationwide 

Mortgage, Inc., (Guardian) agreed to pay 

HUD a civil money penalty in the 

amount of $31,500. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in the 

origination of HUD/FHA-insured loans 

in which Guardian: Failed to implement 

a Quality Control Plan in compliance 

with HUD/FHA requirements; allowed 

credit reports and other loan 

qualification documents to be handled 

and/or transmitted by or through the 

hands of a third party in violation of 

HUD/FHA requirements; and failed to 

report fraud discovered during a quality 

control review. 

15. Hogar Mortgage and Financial 

Services, Inc., dba Colamerica, 

Montvale, NJ [Docket No. 08–8081–MR] 

Action: In a letter dated January 16, 

2009, the Board withdrew Hogar 

Mortgage and Financial Services’, Inc., 

dba Colamerica (Hogar) HUD/FHA 

approval for five years, and imposed 

civil money penalty of $151,500. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Hogar: Failed to resolve discrepancies 

and conflicting information when 

originating loans and/or obtaining 

mortgage insurance; failed to document 

the source and adequacy of funds for the 

downpayment, closing costs and/or cash 

reserves; and failed to implement a 

Quality Control Plan in compliance 

with HUD/FHA requirements. 


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16. Ideal Mortgage Bankers, Ltd., dba 

Lend America, Lending Key, Melville, 

NY [Docket No. 08–8032–MR] 

Action: In a letter dated December 30, 

2008, the Board placed Ideal Mortgage 

Bankers, dba Lend America, Lending 

Key (Ideal), on 6 month probation and 

imposed a civil money penalty in the 

amount of $6,500. 

Cause: The Board took this action 

based on Ideal’s violation of HUD/FHA 

requirements in which Ideal used 

misrepresentative advertising on a form 

designed to simulate an official Federal 

Government document. 

17. McCue Mortgage Company, New 

Britain, CT [Docket No. 08–8018–MR] 

Action: Settlement Agreement signed 

August 19, 2008. Without admitting 

liability or fault, McCue Mortgage 

Company (McCue) agreed to pay an 

administrative payment in the amount 

of $1,000. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

McCue: Failed to perform a mortgage 

credit analysis on the non-purchasing 

spouse who was added to the title and 

signed the mortgage security instrument 

at loan closing; and failed to ensure the 

loan closed in the same manner it was 

underwritten. 

18. Mission Mortgage Corporation, 

Miramar, FL [Docket No. 07–7016–MR] 

Action: In a letter dated November 19, 

2007, the Board withdrew Mission 

Mortgage Corporation’s (Mission), HUD/ 

FHA approval for five years, and 

imposed a civil money penalty of 

$12,000. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in the servicing 

of HUD/FHA-insured loans in which 

Mission: Failed to implement a Quality 

Control Plan in accordance with HUD/ 

FHA requirements; and submitted false 

documentation or failed to verify the 

borrower’s source and/or adequacy of 

funds for the closing costs. 

19. Moneytree Mortgage Company, 

Lombard, IL [Docket No. 09–9328–MR] 

Action: Settlement Agreement signed 

January 15, 2009. Without admitting 

liability or fault, Moneytree Mortgage 

Company (Moneytree) agreed to pay 

HUD an administrative payment in the 

amount of $1,000. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Moneytree: Failed to submit an 

acceptable audited financial 

statement(s) and supplementary reports 

because Moneytree did not meet the net 

worth requirements. 

20. Mortgage Investors Corporation, St. 

Petersburg, FL [Docket No. 07–7022– 

MR] 

Action: Settlement Agreement signed 

August 24, 2008. Without admitting 

liability or fault, Mortgage Investors 

Corporation (Mortgage Investors) agreed 

to waive insurance benefits or 

indemnify HUD for any losses that have 

been or may be incurred from or in 

relation to 22 HUD/FHA-insured 

mortgages noted in the settlement 

agreement, including those that are in 

default or that go into default, for a 

period of 5 years from the endorsement 

date for each loan. The total amount due 

HUD for the indemnifications as of the 

effective date was $45,363. Mortgage 

Investors also agreed to make an 

administrative payment to HUD in the 

amount of $78,500. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Mortgage Investors: Failed to implement 

a Quality Control Plan in accordance 

with HUD/FHA requirements; and 

improperly originated streamline 

refinance loans to borrowers whose 

mortgages were delinquent at the time 

of refinancing. 

21. North Shore Financial, Inc., East 

Meadow, NY [Docket No. 09–9424–MR] 

Action: In a letter dated January 15, 

2009, the Board suspended North Shore 

Financial, Inc’s. (North Shore) HUD/ 

FHA approval, pending further action 

by the Board. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which North 

Shore: Retained, as owner and 

president, an individual who had been 

indicted for bank fraud in connection 

with mortgage loan originations; 

executed and submitted to HUD the 

Title II Yearly Verification Report that 

contained a false certification that none 

of North Shore’s officers, principals, or 

owners were currently involved in a 

proceeding and/or investigation that 

could result, or has resulted in a 

criminal conviction; violated HUD/ 

FHA’s advertisement restrictions by 

sending multiple email solicitations 

stating that non-HUD/FHA approved 

lenders could use North Shore’s HUD/ 

FHA approval. 

22. Orchid Island TRS, LLC, Paramus, 

NJ [Docket No. 09–9078–MR] 

Action: In a letter dated January 16, 

2009, the Board withdrew Orchid Island 

TRS, LLC’s (Orchid Island) HUD/FHA 

approval for one year. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Orchid Island failed to submit: The 

annual recertification fee; the Executed 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS. 

23. Prime Financial Group, Inc., 

Birmingham Farms, MI [Docket No. 09– 

9423–MR] 

Action: In a letter dated January 15, 

2009, the Board suspended Prime 

Financial Group, Inc.’s (Prime) HUD/ 

FHA approval, pending further action 

by the Board. 

Cause: The Board took this action 

based on the following violation of 

HUD/FHA requirements in which 

Prime: Breached the settlement 

agreement entered into with the 

Department on November 21, 2008, by 

failing to remit its first installment 

payment. 

24. R & G Mortgage Corporation, Hato 

Rey, PR [HUD ALJ No. 07–052–MR and 

OGC Case No. 07–7033–MRT] 

Action: Settlement Agreement signed 

May 15, 2008. Without admitting 

liability or fault, R&G Mortgage 

Corporation (R&G) agreed to pay HUD a 

civil money penalty in the amount of 

$10,000. R&G also agreed to submit its 

audited financial statements for fiscal 

years 2005, 2006, 2007 and 2008 

according to the extended schedule 

outlined in the settlement agreement, 

and if R&G fails to submit to HUD/FHA 

any audited financial statement 

according to the schedule, R&G agreed 

to pay the Department $2,000 per 

month, or portion of a month, per 

audited financial statement until the 

statement is filed. Further, R&G agreed 

to submit a management certification of 

its financial condition for fiscal years 

2007 and 2008 by the dates stated in the 

settlement agreement. 

Cause: The Board took this action 

based on the following violation of 

HUD/FHA requirements in which R&G: 

Failed to submit acceptable audited 

annual financial statements within the 

required time period. 

25. U.S. Bank NA (Multifamily), 

Minneapolis, MN [Docket No. 09–9441– 

MR] 

Action: Settlement Agreement signed 

December 5, 2008. Without admitting 

liability or fault, U.S. Bank NA (US 

Bank) agreed to pay HUD $52,500. 

Cause: The Board took this action 

based on the following violation of 

HUD/FHA requirements in which US 

Bank: Failed to comply with 


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Federal Register / Vol. 74, No. 81 / Wednesday, April 29, 2009 / Notices 19585 

requirements regarding assignment of 

the mortgage. 

26. Vega Financial, Inc., Las Vegas, NV 

[Docket No. 08–8043–MR] 

Action: Settlement Agreement signed 

August 24, 2008. Without admitting 

liability or fault, Vega Financial, Inc. 

(Vega) agreed to make an administrative 

payment to the HUD in amount of 

$10,500. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which Vega: 

Submitted false certification to HUD/ 

FHA when it submitted its FHA loan 

correspondent application; and violated 

the eligibility requirement prohibiting 

mortgagees’ officers and principals from 

engaging in business practices that 

demonstrate irresponsibility when its 

president and sole owner failed to notify 

HUD’s Office of Lender Activities that 

HUD had brought two administrative 

proceedings against him. 

27. Wells Fargo Bank, N.A., Des Moines, 

IA [Docket No. 07–7014–MR] 

Action: Settlement Agreement signed 

April 4, 2008. Without admitting 

liability or fault, Wells Fargo Bank, N.A. 

(Wells Fargo) agreed to pay HUD an 

administrative payment in the amount 

of $13,000. 

Cause: The Board took this action 

based on the following violation of 

HUD/FHA requirements in which Wells 

Fargo: Allowed a debarred person to 

participate in a HUD/FHA mortgage 

insurance program. 

28. Westar Mortgage Corporation, 

Albuquerque, NM [Docket No. 07–7029– 

MR] 

Action: Settlement Agreement signed 

August 24, 2008. Without admitting 

liability or fault, Westar Mortgage 

Corporation (Westar) agreed to: make a 

payment to HUD in the amount of 

$50,000; refund $28,790 in interim 

construction fees to borrowers, and 

provide proof to HUD that fees were 

refunded; and indemnify HUD for any 

losses which have been or may be 

incurred on one loan stated in the 

settlement agreement. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which 

Westar: Failed to implement a Quality 

Control Plan in compliance with HUD/ 

FHA requirements and failed to perform 

quality control review in 41 early 

defaults; charged unallowable fees; 

failed to obtain new construction 

documents required for loan eligibility; 

failed to properly verify, document, 

and/or calculate income; failed to 

ensure the mortgagor met the minimum 

credit requirements; failed to reconcile 

discrepancies found in the appraisal 

documents used to determine loan 

eligibility; failed to meet the 

requirements for late endorsement; 

failed to ensure that the maximum 

mortgage amount was properly 

calculated resulting in over-insured 

mortgages; failed to ensure 

Construction-Permanent Mortgage 

Program requirements were met; and 

allowed documents used to verify credit 

and income to pass through the hands 

of interested third parties, and allowed 

a non-employee to originate a HUD/ 

FHA insured loan. 

29. WR Starkey Mortgage, LLC, Plano, 

TX [Docket No. 07–7015–MR] 

Action: Settlement Agreement signed 

April 4, 2008. Without admitting 

liability or fault, WR Starkey Mortgage, 

LLC (WR Starkey) agreed to waive all 

insurance benefits or indemnify HUD 

for any losses that have been or may be 

incurred from or in relation to seven 

HUD/FHA-insured mortgages listed in 

the settlement agreement, including 

those that are in default or that go into 

default, for a period of five years from 

the endorsement date for each loan. The 

total amount of the indemnification as 

of the effective date was $229,404.73. 

WR Starkey also agreed to make an 

administrative payment to HUD in the 

amount of $144,431. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which WR 

Starkey: Understated proposed housing 

payments in qualifying borrowers for 

new construction loans; approved two 

borrowers who had delinquent federal 

debts; closed loans in excess of the 

maximum allowable amounts resulting 

in over-insured mortgages; failed to 

ensure that Construction-Permanent 

Mortgage Program requirements were 

met; and allowed documentation used 

in the processing and/or underwriting of 

loans to pass through, be handled, and/ 

or transmitted by an interested third 

party to the transaction. 

30. WCS Lending, LLC, Boca Raton, FL 

[Docket No. 08–8040–MR] 

Action: In a letter dated October 14, 

2008, the Board placed WCS Lending, 

LLC (WCS Lending) on six months 

probation. Pursuant to the terms of the 

probation, WCS Lending was required 

to provide HUD, every 90 days, copies 

of all advertising that WCS Lending 

employed during the probationary term, 

including mail solicitations and 

electronic advertisements. The Board 

also imposed a civil money penalty on 

WCS Lending in the amount of $3,500. 

Cause: The Board took this action 

based on the following violation of 

HUD/FHA requirements in which WCS 

Lending: Used misrepresentative 

advertising in soliciting the 

participation of non-FHA-approved 

mortgage brokers in the origination of 

HUD/FHA loans. 

II. Lenders that Failed To Meet 

Requirements for Annual 

Recertification of HUD/FHA Approval. 

A. Board Letters Issued January 9, 2009 

Action: The Board issued a letter to 

each of the lenders listed below, 

withdrawing their HUD/FHA approval 

for one year. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which: 

1. Alliance Mortgage Banking 

Corporation, Levittown, NY [Docket No. 

09–9564–MR]—Failed to submit the 

annual recertification fee; the Executed 

Title II Yearly Verification Report; and 

an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

2. Allstate Residential Mortgage, 

Plymouth, MN [Docket No. 09–9025– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

3. American Benefit Mortgage, Inc., 

Aliso Viejo, CA [Docket No. 09–9182– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

4. Amerimortgage Bankers, LLC, 

Miami, FL [Docket No. 09–9026–MR]— 

Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

5. Amtrust Mortgage Corporation, 

Atlanta, GA [Docket No. 09–9565–MR]— 

Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

6. Asset Mortgage of Hawaii, LLC, 

Honolulu, HI [Docket No. 09–9006– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

7. Bankers Financial Mortgage Group, 

Ltd. [Docket No. 09–9162–MR]—Failed 

to submit the annual recertification fee; 

the Executed Yearly Verification Report; 


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and an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

8. Bonterra Mortgage Services, Inc., 

Indian Trail, NC [Docket No. 09–9024– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

9. Bray Mortgage, LLC, Grand 

Junction, CO [Docket No. 09–9083– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

10. Capitol Mortgage Associates, Inc., 

Springfield, IL [Docket No. 09–9165 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

11. Capital Pacific Mortgage 

Company, Modesto, CA [Docket No. 09– 

9566–MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

12. Castle Mortgage Corporation, 

Uniontown, OH [Docket No. 09–9075– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

13. C & G Financial Services, Upland, 

CA [Docket No. 09–9284–MR]—Failed to 

submit the annual recertification fee; the 

Executed Yearly Verification Report; 

and an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

14. Citizen First Financial, Inc., 

Tucker, GA [Docket No. 09–9192–MR]— 

Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

15. Collins Financial Group, Inc., 

Lake City, FL [Docket No. 09–9029– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

16. Community Home Equities 

Corporation, Hillside, NJ [Docket No. 

09–9126–MR]—Failed to submit the 

annual recertification fee; the Executed 

Yearly Verification Report and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

17. Consumer Financial Counseling, 

Ltd, Dublin, OH [Docket No. 9567– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

18. CSI Residential Lending, Inc., 

Colleyville, TX [Docket No. 09–9230– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

19. Custom Mortgage, LLC, Eagle, ID 

[Docket No. 09–9072–MR]—Failed to 

submit the annual recertification fee; 

Executed Yearly Verification Report; 

and an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

20. DFW Funding Solutions Dallas, 

LLC, Dallas, TX [Docket No. 09–9568– 

MR]—Failed to submit the annual 

recertification fee; an Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

into LASS; 

21. Financial Funding Services, Inc, 

Coral Gables, FL [Docket No. 09–9569– 

MR]—Failed to submit the annual 

recertification fee; the Executed title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

22. First Choice Lenders Nationwide, 

LLC, Highland Village, TX [Docket No. 

9570–MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

23. Flower Bank, FSB, Chicago, IL 

[Docket No. 09–9113–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Yearly Verification 

Report; 

24. Focus Capital Group, Roanoke, IN 

[Docket No. 09–9034–MR]—Failed to 

submit an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

25. FRMC Financial, Inc., dba First 

Republic Mortgage Company, 

Annapolis, MD [Docket No. 09–9028– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

26. Gibraltar Mortgage, LLC, 

Jacksonville, FL [Docket No. 09–9088– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

27. Goodwill Mortgage Services, LLC, 

Hartford, CT [Docket No. 09–9571– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

28. Green Acres Mortgage, Inc., Spring 

Lake Park, MN [Docket No. 09–9114– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

29. Greenway Lending Group, LLC, 

Washington, DC [Docket No. 09–9572– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

30. Guardian Loan Company of 

Massapequa, Inc., Clifton Park, NY 

[Docket No. 09–9573–MR]—Failed to 

submit the Executed Title II Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

31. Hamlin Mortgage Company, 

Rochester Hills, MI [Docket No. 09– 

9574–MR]—Failed to submit the annual 

recertification fee; Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

32. Heartland Home Finance, Inc., 

Downers Grove, IL [Docket No. 09–9224– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

33. Homestead Mortgage Company, 

LLC, Columbus, OH [Docket No. 09– 

9015–MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

34. Hoosier Mortgage Trust, LLC, 

Anderson, IN [Docket No. 09–9023– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

35. I/C Home Mortgage Services, 

Albuquerque, NM [Docket No. 09–9016– 

MR] –Failed to submit an acceptable 

audited financial statement (s) and 

supplementary reports through LASS; 

36. IFG Mortgage, LLC, Coral Gables, 

FL [Docket No. 09–9008–MR]—Failed to 

submit an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

37. Infinity Residential Funding, Inc, 

Dallas TX [Docket No. 09–9575]—Failed 


pwalker on PROD1PC71 with NOTICES
Federal Register / Vol. 74, No. 81 / Wednesday, April 29, 2009 / Notices 19587 

to submit the annual recertification fee; 

the Executed Title II Yearly Verification 

Report; and an acceptable audited 

financial statement(s) and 

supplementary reports through LASS; 

38. Island Creek Mortgage 

Corporation, Pawtucket, RI [Docket No. 

09–9576–MR]—Failed to submit the 

annual recertification fee; the Executed 

Title II Yearly Verification Report; and 

an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

39. Legacy Home Mortgage, Inc., Palos 

Heights, IL [Docket No. 09–9017–MR]— 

Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

40. Lending Hand Mortgage, Inc., 

Green Bay, WI [Docket No. 09–9153– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

41. L. S. Mortgage Solutions, Inc., 

Kingwood, TX [Docket No. 09–9577– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

42. Loan Center of California, Inc., 

Suisun City, CA [Docket No. 09–9578– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

43. Lownhome Financial Holdings, 

Inc. San Jose, CA [Docket No. 09–9579– 

MR]—Failed to submit the annual 

recertification fee; and the Executed 

Title II Yearly Verification Report; 

44. Luxury Financial Group, Inc., 

Broomfield, CO [Docket No. 09–9164– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

45. Mile High Banks, N.A., Denver, 

CO [Docket No. 09–9086–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Yearly Verification 

Report; 

46. Mortgage Plus Financial 

Corporation, Minneapolis, MN [Docket 

No. 09–9010–MR]—Failed to submit the 

annual recertification fee; the Executed 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

47. New Horizons Mortgage Company, 

LLC [Docket No. 09–9185–MR]—Failed 

to submit the annual recertification fee; 

the Executed Yearly Verification Report; 

and an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

48. Pacific Community Mortgage, Inc., 

Anaheim, CA [Docket No. 09–9580– 

MR]—Failed to submit the annual 

recertification fee; and the Executed 

Title II Yearly Verification Report; 

49. Pacific Crest Mortgage 

Corporation, Cathedral City, CA [Docket 

No. 09–9121–MR]—Failed to submit the 

annual recertification fee; the Executed 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

50. Pacifica Direct, LLC, Encino, CA 

[Docket No. 09–9234–MR]—Failed to 

submit the Executed Yearly Verification 

Report; and an acceptable audited 

financial statement(s) and 

supplementary reports through LASS; 

51. Pacifica West Financial, LLC, 

Carlsbad, CA [Docket No. 09–9082– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

52. Penn Federal Savings Bank, 

Newark, NJ—Failed to submit the 

annual recertification fee; and the 

Executed Title II Yearly Verification 

Report; 

53. Prime Cap Financial, LLC, 

Henderson, NV [Docket No. 09–9020– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

into LASS; 

54. RC Lending, LLC., Plano, TX 

[Docket No. 09–9096–MR]—Failed to 

submit an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

55. Regency Mortgage Corporation, 

Salt Lake City, UT [Docket No. 09–9103– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

56. S and L Capital Group, Inc., 

Sarasota, FL [Docket No. 09–9063– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

57. SFG Bancorp, dba Piggybank 

Home Loans, Pleasanton, CA [Docket 

No. 09–9232–MR]—Failed to submit the 

annual recertification fee; the Executed 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

58. Schreiber Financial Group, Ltd., 

Naperville, IL [Docket No. 09–9047– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

59. Secure Bankers Mortgage 

Company, Van Nuys, CA [Docket No. 

09–9584–MR]—Failed to submit the 

annual recertification fee; the Executed 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

60. Shasta Financial Services, Inc., 

Elk Grove, CA [Docket No. 09–9583– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

61. Southstar Funding, LLC, Atlanta, 

GA [Docket No. 09–9585–MR]—Failed 

to submit the annual recertification fee; 

the Executed Title II Yearly Verification 

Report; and an acceptable audited 

financial statement(s) and 

supplementary reports through LASS; 

62. Stirling Mortgage Corporation, 

Salt Lake City, UT [Docket No. 09–9007– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

63. STS Capital Holding, Inc., Tampa, 

FL [Docket No. 09–9180–MR]—Failed to 

submit an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

64. Superior Mortgage Corporation, 

South Hill, VA [Docket No. 09–9252– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

65. Swan Investment International, 

Covina, CA [Docket No. 09–9586–MR]— 

Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

66. The Loan Office, Inc., Fort 

Lauderdale, FL [Docket No. 09–09– 

9587–MR]—Failed to submit an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

67. Thumb Butte Mortgage, Inc., 

Prescott, AZ [Docket No. 09–9227– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

68. Titan Capital Funding, Inc., 

Midvale, UT [Docket No. 09–9588– 

MR]—Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 


pwalker on PROD1PC71 with NOTICES
19588 Federal Register / Vol. 74, No. 81 / Wednesday, April 29, 2009 / Notices 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

69. Trendstar Mortgage, LLC, Camp 

Springs, MD [Docket No. 09–9149– 

MR]—Failed to submit an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

70. United Capital, Inc., Knoxville, TN 

[Docket No. 09–9151–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Yearly Verification 

Report; and 

71. Virgin Islands Community Bank, 

Christiansted, VI [Docket No. 09–9287– 

MR]—Failed to submit the annual 

recertification fee; and the Executed 

Yearly Verification Report. 

B. Board Letter Issued January 16, 2009 

1. Lakeview Mortgage Corporation, 

Chicago, IL [Docket No. 09–9317–MR]— 

Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS. 

III. Lenders Who Failed To Meet 

Requirements for Annual 

Recertification of HUD/FHA Approval 

Action: The Board issued a letter to 

each of the lenders listed below 

withdrawing their FHA approval for one 

year. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which: 

A. Board Letters Issued January 9, 2009 

1. Balboa Reinsurance Company, Simi 

Valley, CA [Docket No. 09–9219–MR]— 

Failed to submit the annual 

recertification fee; and the Executed 

Title II Yearly Verification Report; 

2. Bank Reale, Pasco, WA [Docket No. 

09–9213–MR]—Failed to submit the 

annual recertification fee; and the 

Executed Title II Yearly Verification 

Report; 

3. Common Cents Mortgage, Inc. 

[Docket No. 09–9036–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Title II Yearly 

Verification Report; 

4. Cooperative De Ahorro Y Credito 

Caribe, Guayanilla, PR [Docket No. 09– 

9085–MR]—Failed to submit the annual 

recertification fee; and the Executed 

Title II Yearly Verification Report; 

5. First State Bank & Trust, 

Caruthersville, MO [Docket No. 09– 

9159–MR]—Failed to submit the annual 

recertification fee; and the Executed 

Title II Yearly Verification Report; 

6. Harper & Associates, Inc., Cabot, 

AR [Docket No. 09–9014–MR]—Failed to 

submit an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

7. Infinity Lending Group, Tustin, CA 

[Docket No. 09–9220–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Title II Yearly 

Verification Report; 

8. Key Mortgage Corporation, Coeur D 

Alene, ID [Docket No. 09–9051–MR]— 

Failed to submit the annual 

recertification fee; the Executed Title II 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

9. Level 1 Mortgage, LLC, Littleton, CO 

[Docket No. 09–9011–MR]—Failed to 

submit the annual recertification fee; the 

Executed Title Yearly Verification 

Report and an acceptable audited 

financial statement(s) and 

supplementary reports through LASS; 

10. Paramount Residential Mortgage 

Group, Inc., Corona, CA [Docket No. 09– 

9043–MR]—Failed to submit the annual 

recertification fee; and the Executed 

Title II Yearly Verification Report; 

11. New Horizon RE, Inc. dba JL 

Mortgage, Columbia, SC [Docket No. 09– 

9009–MR]—Failed to submit an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

12. San Diego Loans, dba 

SDLoans.com, San Diego, CA [Docket 

No. 09–9022–MR]—Failed to submit the 

annual recertification fee; the executed 

Yearly Verification Report; and an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

13. Sun National Bank, Vineland, NJ 

[Docket No. 09–9091–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Yearly Verification 

Report; 

14. The Bank of Fayetteville, 

Fayetteville, AR [Docket No. 9246– 

MR]—Failed to submit the annual 

recertification fee; and the Executed 

Title II Yearly Verification Report; 

15. The Residential Mortgage Group, 

Inc., Wakefield, MA [Docket No. 09– 

9152–MR]—Failed to submit an 

acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

16. TLP Funding, Calabasa, CA 

[Docket No. 09–9228–MR]—Failed to 

submit an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

17. Viva Advisor Group, Inc., 

Cincinnati, OH [Docket No. 09–9202– 

MR]—Failed to submit the annual 

recertification fee; the Executed Yearly 

Verification Report; and an acceptable 

audited financial statement(s) and 

supplementary reports through LASS; 

and 

18. West Union Bank, West Union, 

WV [Docket No. 09–9064–MR]—Failed 

to submit the annual recertification fee; 

and the Executed Yearly Verification 

Report. 

B. Board Letters Issued January 16, 2009 

Action: The Board issued a letter to 

each of the lenders listed below 

withdrawing their HUD/FHA approval 

for one year. 

Cause: The Board took this action 

based on the following violations of 

HUD/FHA requirements in which: 

1. B & T Mortgage, Inc, Glendale, AZ 

[Docket No. 09–9211–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Yearly Verification 

Report; 

2. Citibank NA, New York, NY 

[Docket No. 09–9294–MR]—Failed to 

submit the annual recertification fee; 

and the Executed Yearly Verification 

Report; 

3. Corstar Financial, Inc., Phoenix, AZ 

[Docket No. 09–9386–MR]—Failed to 

submit an acceptable audited financial 

statement(s) and supplementary reports 

through LASS; 

4. EAI Financial Group, Inc., 

Plymouth, MA [Docket No. 09–9331– 

MR]—Failed to submit the Statement on 

Auditing Standards 29 opinion on the 

Financial Data Template; and the type 

of audit opinion issued was a qualified 

opinion: scope limitation—imposed by 

management; 

5. Eastern Financial Home Loans, 

Corporation, Hialeah, FL [Docket No. 

09–9279–MR]— Failed to submit the 

annual recertification fee, and the 

Executed Yearly Verification Report; 

and 

6. First National Bank Pine City, Pine 

City, MN [Docket No. 09–9235–MR]— 

Failed to submit the annual 

recertification fee, and the Executed 

Yearly Verification Report. 

Dated: April 3, 2009. 

Brian D. Montgomery, 

Assistant Secretary for Housing—Federal 

Housing Commissioner. 

[FR Doc. E9–9731 Filed 4–28–09; 8:45 am] 

BILLING CODE 4210–67–P 

DEPARTMENT OF THE INTERIOR 

Fish and Wildlife Service 

[FWS–R6–ES–2009–N0080; 60120–1113– 

0000–D2] 

Endangered and Threatened Wildlife 

and Plants; Permits 

AGENCY: Fish and Wildlife Service, 

Interior. 


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