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96-1496 Council File # — ) �D E� f�' � (�_ f f,_ T !', � � t � Ordinance # .. � . , --� Green Sheet # `� -� � �� RESOLUTION CITY OF SAINT PAUL, MINNESOTA �S Presented By Referred To Committee: Date RESOLVED, that the currency exchange license application by Gaxy Dachis, Stuart Tapper and Alan LePage d.b.a. Unbank Company for the premises located at 1098 University Avenue in Saint Paul, is recommended for approval. Minnesota Statute section 53A.04 requires the approval or disapproval of the state application by the local governing body. This reaolution and action taken above are based upon the proceeding before the Administrative Law Judge, the documents and exhibits introduced therein, the testimony offered by and on behalf of the licensee during the Council hearing on December 4, 1996, and the deliberation of the Council in open session. The Council adopts the findings of fact and conclusions of law of the Administrative Law Judge contained in his report. The Report of the ALJ is incorporated in and made part of this resolution. A copy of thie resolution, as adopted, shall be sent by first class mail to the Administrative Law Judge and to the license holder. In addition, a copy of this resolution as adopted shall be delivered by the Office of License, Inspections and Environmental Protection to the Minnesota Commissioner of Commerce. Yeas Nays � Requested by Department of: Bost�om Office of License. Ins�ections and Megar � � Environmental Protection Guerin � ° �,�- �► ��.,�-- Adopted by Council: Date _Q� y} �9°�(o B�'' Adoption Certified by Council Secretary Form Approved by City Attorney By: � � BY, ��/ Approved by Mayor: Date G � � a�� ,,� Approved by Mayor for Submission to By: � Council By: OFFICE OF LIEP DNovember �8, 1996 GREEN SHEET N° 3 518 0 G��"�� ec�ober 4, 1996 1 EPARTMENT DIRECTOR 3 ITY COUNCIL ITY ATTORNEY ITY CI,ERK st be OI1 C�LlYl�.'ll Agenda by: UDGET DIRECTOR EIN. & MGT. SVC. DIR. AP YOR (OR AS3I3TANT) OTAL # OF SIGNATQRE PAGES 1 (CLIP ALL LOCATIONS FOR SIGNATURB) CTION RFsQUESTED: Approval of currency exchange license renewal of Unbank ompany located at 1098 University Avenue, Saint Paul. COT�ENDATIONS: APPROVE (A) OR REJECT (R) ONAL SERVICE C�TlRaLTB la3T ]INSImt S� 1�OLLO�PINf3: PLANNING C0�lIS3ION CIVIL SERVICE COhIl�lISSION 1. Has the person/firm ever worked under a contract for this department? CIB C�ITTEE _ BUSINESS REVIEW COUNCIL YES NO STAFF _ . Has this person/firm ever been a City employee? DI3TRICT CWRT _ YES NO 3. Does this person/firm possess a skill not norraally po�see9ed by any UPPORTS WHICH COUNCIL OBJECTIVE? Current City employee? YES NO aia all Yss aanrors on s srpar:t� �i�t aad attaah. INITIATING PROBLEM, ISSUE, OPPORTUNITY (Who, W'hat, When, Where, Why) : VANTAGES IF APPROVBD: nbank Company will continue to operate. ISADVANTAGSS IF APPROVED: one. ISADVANTAGBS IF NOT APPROVED: OTAL AMOUNT OF TR.ANSACTION ,� COST/R�NUE BUDGETFD YES NO FUNDING SOURC$ ACTIVITY NUN�ER FINANCIAL INFORMATION: (EXPLAIN) C� F�sa�t! C;�rt81° NOiJ 2 � 19�6 a � • �'��—\��i � 60-21 1 1-1 0800-3 STATE OF MINNESOTA OFFICE OF ADMINISTRATIVE HEARINGS FOR THE CITY COUNCIL OF THE CITY OF ST. PAUL In Re the Currency Exchange License Appiication of Unbank Company, FINDINGS OF FACT, 1098 University Avenue CONCLUSIONS AND Saint Paul, Minnesota 55104 RECOMMENDATION The above-entitled matter came on for hearing before Administrative Law Judge John W. Harrigan, on November 6, 1996, in the Ramsey County Courthouse. The record closed at the conclusion of the scheduled hearing. Philip B. Byrne, Assistant City Attorney, City of St. Paul, 400 City Hall and Courthouse, 15 West Kellogg Boulevard, St. Paul, Minnesota 55102, appeared on behalf of the City of St. Paul. The applicant did not appear. This Report is a recommendation, no a final decision. The Council of the City of St. Paul will make the final decision after a review of the record which may adopt, reject or modify the Findings of Fact, Conclusions, and Recommendations contained herein. Pursuant to Saint Paul Legislative Code Section 310.05 (c-1), the final decision of the City Council shall not be made until this Report has been made available to he parties to the proceeding and the applicant has been provided an opportunity to present oral or written arguments alleging error on the part of the administrative law judge in the application of the law or the interpretation of the facts and an opportunity to present argument related to any recommended adverse action. The applicant should contact Council of the City of St. Paul, 310 City Hall, St. Paul, Minnesota 55102, to ascertain the procedure for presenting argument. STATEMENT OF ISSUE Should this application for a currency exchange license, under Minn. Stat. Chapter 53A, be approved by the Council of the City of St. Paul, after published notice and hearing. Based upon all of the proceedings herein, the Administrative Law Judge makes the following: � � ' � �'-��:-\`��t,l�, FINDINGS OF FACT 1 . The Notice of Public Hearing in this matter was served by the City of St. Paul on the applicant on October 30, 1996, by mail. 2. In accordance with Minn. Stat. § 53A.04 and Chapter 381 of the St. Paul Legislative Code, Troy Gilbertson, License Enforcement Auditor, notified interested persons of the public hearing, scheduled for November 6, 1996, by publication and by letter on October 30, 1996. 3. The applicant, by Philip Byrne, the Assistant City Attorney, and a representative of the City of St. Paul Office of License, Inspections and Environmental Protection appeared at the scheduled public hearing. No testimony was taken. The hearing was scheduled to begin at 8:30 a.m. After waiting until 8:55 a.m. for possible appearance by members of the public, the undersigned and Mr. Byrne concurred that there was no need to take testimony or to otherwise proceed with a formal hearing. Mr. Byrne submitted the City's exhibits. It was indicated that no interested persons had contacted the City after the issuance of the Notice of Public Hearing and that the application was in order. Based upon the foregoing Findings of Fact, the Administrative Law Judge makes the following: CONCLUSIONS 1 . The Council of the City of St. Paul and the Administrative Law Judge have jurisdiction in this matter pursuant to Minn. Stat. § 14.55 and the St. Paul Legislative Code, Minn. Stat. § 381 .02, 310.05 and 310.06. 2. The City of St. Paul has fulfilled all relevant substantive and procedural requirements of the law and rule. 3. The City of St. Paul has given proper notice of the hearing in this matter including proper notice in accordance with the requirements set forth in Minn. Stat. Chapter 53A and Chapter 381 of the Legislative Code of the City of St. Paul. 4. The applicant has fully complied with the application requirements specified by law. 5. No members of the public have opposed the application for licensure. 2 , , - �� Based upon the foregoing Conclusions, the Administrative Law Judge makes the following: RECOMMENDATION IT IS RESPECTFULLY RECOMMENDED that the Council of the City of St. Paul approve the currency exchange license application of Unbank Company. � Dated this � day of November, 1996, ^ , / '%� 'L� lG , �f -Z�1.�;G�?'�i.., r' John W. Harrigan ��.' Administrative Law Judge NOTICE Pursuant to Minn. Stat. § 53A.04, the Council of the City of Saint Paul is required to forward its approval or disapproval of the license application to the Commissioner of Commerce of the State of Minnesota for the Commissioner's approval or disapproval. If the application is denied, the Commissioner shall mail notice of the denial and the reason therefore to the applicant. The applicant upon denial may request a further hearing as provided for Minn. Stat. § 53A.04 (b). 3 � i CTTY OF SAINT PAUL `�_\�� INTERDEPARTMENTAL r�IEMORANDUM DATE: November 20, 1996 TO: Nancy Anderson FROM: Troy Gilbertson RE: Currency Exchange License Hearings Please schedule the following currency exchange hearings before the City Council on December 4, 1996. Capital City Check Cashing 477 Rice Street International Currency Exchange 942 Payne Avenue Ramsey Financial 577 University Avenue E �.� Unbank Company 1098 University Avenue Unbank Company 467-469 St. Peter Street I have attached copies of the resolution and the ALJ's finding of fact and conclusions. Copies of the exhibits submitted by the City should already be in your file. I can be reached at 266-9101 for any questions you may have. STATE OF MINNESOTA �� `��1 ;��•ltd0•��'.� �P `'•.�i�, OFFICE OF ADMINISTRATIVE HEARINGS 100 Washington Square, Suite 1700 100 Washington Avenue South .: :. Minneapolis, Minnesota 55401-2138 November 14, 1996 Fred Owusu City Clerk 170 City Hall 15 W. Kellogg Blvd. St. Paul, MN 55102 Re: In the Matter of the Currency Exchange License Application of Unbank Company; OAH Docket No. 60-2111-10800-3 Dear Mr. Owusu: On November 8, 1996, Administrative Law Judge Harrigan served the Findings of Fact, Conclusions and Recommendation in the above-entitled matter. Enclosed please find the official record in this case. The application was unopposed and not tape recording was taken of the proceedings. Our file in this matter is closed. Very truly yours, r��l • ��'O ancy . Thomas Docket Clerk Telephone: 612/341-7615 NT Enc. Providing Impartial Hearings for Government and Citizens An Equal Opportunity Employer Administrative Law Section&Administrative Services(612)341-7600 �TDD No. (612)341-7346 � Fax No. (612)349-2665 ��`�� STATE OF MINNESOTA ) ) SS. AFFIDAVIT OF SERVICE BY MAIL COUNTY OF HENNEPIN ) Luann Skrivseth, of the City of Minneapolis, County of Hennepin, in the State of Minnesota, being duly sworn, says that on the 8th day of November, 1996, she served the annexed FINDINGS OF FACT, CONCLUSIONS AND RECOMMENDATION on: Unbank Company 1098 University Avenue St. Paul, MN 55104 Philip B. Byrne Assistant City Attorney 400 City Hall and Courthouse 15 West Kellogg Boulevard St. Paul, MN 55102 by mailing to said person a copy thereof, enclosed in an envelope, postage prepaid, and by depositing same in the post office at Minneapolis, Minnesota, directed to them at the last known address of said person. Subscribed and sworn to before me this 8th day of November, 1996. Notary Pu c - wiwnM�.wwi.�r � NOTARY PUBIIC-�MIESO�TA Mvco��.�..a�.moo _._. __----- •°-----._-._- .. ._ � -�— OFF[CE OF LK:ENSE.iNSPECT10�5.-\:\D -�� _ _ ---��_ Roherrk"e.esfer.Uirecror C1TY OF SAINT PAUL r.��xr r'R�)FES,SI�),�:-1L Tc��•�,��-:.,,, f„,-.•�-,,�,,,: � VormC'oleman.A-/ayor ff(/ILU/.tiCi !•iic.urr,uc, 6/'-'�i._�in„ Suife 3pQ r„�_,(�f,-y;-'= 1 350 St Pete.��Street , SaintPaul,��linnesota SS/02-1�10 �..��.� October 29, 1996 Gary Dachis 12111 Golden Aere Dr. Minnetonka, MN 55305 - Re: Currency Exchange License Application Dear Mr. Dachis: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notification from the Minnesota Department of commerce of your currency exchange license application for the Unbank Company located at 467-469 St. Peter Street, St. Paul, MN 55102. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November 6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especial�y if any adverse testimony is presented to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). _ . _ _ -- - __ C _ . -. _ - --- --- _,. __ _ --- Q - - , - _ _ _ _ _. _- _ °\.�---��. C�p . For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Sincerely, � �� Troy`Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney _ _ -- -- - - - - --- � ' OFFICE OF LICENSE.[�ISPECTIO�S�..�D �l � ' - F�vrunl�iF.�\T�1..�BLITECT�O\.:..�..... `� \� � ------------ — ------- ------- __. . __.._ _._ _. ---_ _ . . .__ . .. ---- � --�----_ - Robert R e,s.sler,U�recror CITY OF SAINT PAUL r.,��r.:�.��F�.��r� ,<;�-r�f�,,.t�- �,,,.,,,,,.,�,,,, ,ti'onn(.�oleman.;llnyor /.\'.C/'F_C'T/U.\.0 !,:.cinulr �,'?.'(��.�i,':� 3j(J ST.!'ercr Su eet Srute 300 SaintPaul,Minnesota .i�JO? �� NOTICE OF PUBLIC HEARING Currency Exchange License Application of the Unbank Company 467-469 St. Peter Street Saint Paul, Minnesota 55102 Office of Administrative Hearings on the behalf of the COUNCIL OF THE CITY OF SAINT PAUL PLEASE TAKE NOTICE that testimony will be taken from interested persons, including those in the community with respect to the application of the Unbank Company to operate a currency exchange by license issued under Minn. Stat. §53A.02. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the governing body, after published notice and hearing, within 60 days after receipt of the application. The hearing will be conducted by an administrative law judge from the Minnesota Office of Administrative Hearings, on behalf of the Council of the City of Saint Paul. His or her report, and recommendation for action, will be forwarded to the Council for its action. Date of Public Hearing: Wednesday, November 6, 1996 Time : 8:30 a.m. Location of Public Hearing: Ramsey County Courthouse Room 41, Lower Level 15 West Kellog Boulevard St. Paul, Minnesota 55102 If you have any questions, please call Christine Rozek, Office of License, Inspections and Environmental Protection at 266-9108. �" _. _ ,_. __._--- �_..— .- �- - - _ _ _ . . . . __ - .-, �.-\`�°�� Chapter 381. Currency Exchanges Sec. 381.01. State license required; defi�iition. No person shall en�aje in the business of a currency exchange in Saint Paul without a license as provided by Minnesota Statutes Chapter 53A. (C.F. No. 94-46, ti 2, 2-2-94) Sec. 381.02. Procedures; he�ring; fee. (a)Pr•oced��r•es•. Upon receipt of a completed application from the commissioner of commerce for either a new license or the renewal of an existing license, the matter shall be referred to tlle office of license, inspections and environmentai protection for initiation of a hearing as rec�uired by state law within the period allowed for the response of the governin� body The hearing shall be for the purpose of takin� testimony from interested persons, includin� those in the community in which the applicant is located or is proposin� to be located, as required by law, and upon grounds or issues as to which notice has been given in accordance with the requirements of sections 310.05 and 310.06 of the Legislative Code. The said office shall publish and give notice as required by law. (b)Hearirrg. The hearing shall be held before an independent hearing examiner in conformity with the provisions of sections 310.05 and 310.06 of the Legislative Code, and the rules of the office of administrative hearings, to the extent such rules are not in conflict with sections 310.05 and 310.06. (c)Fee; costs. The applicant shall pay, within fifteen (15) days following receipt of the application by the city, a fee covering the costs of administering and processing the application in an amount to be established in conformity with the procedures in section 310.09(b) of the Legislative Code. The applicant shall also reimburse the city, within fifteen (15) days following action by the city council on the application, for its costs in conductin� the hearing or hearings prescribed by state law, including publication costs and the cost of the administrative proceedin�s and hearin� before an independent hearing examiner. (C.F. No. 94-46, fi 3, 2-2-94) Sec. 381.03. Grounds for dis�pproval, etc. (a)Disapproval. The council may by resolution disapprove an application and, if so, shall state therein its reasons for so doin;. It may adopt in whole or in part the findings of fact and conclusions of la�v of the independent hearing examiner and may amend the same to conform to its decision on the record and the testimony. Notice of the disapproval may be communicated to the commissioner of commerce before the effective date of a�y such resolution where necessary to avoid a presumption of concurrence. m:� _ _ . . .__ _ -: -- _ _ _ , — , . __ : .. �.__.. -- ..__ (b) Grvrrnds for ca'isapproval. Disapproval of an application may be based on one (1) or more of the following grounds, in addition to any other ground allowed by law: (1) Violation of any provision of the state currency exchan�e law contained in Chapter �3A. (2) Any one (1) or more of the reasons, conditions, or standards for adverse action under section � 10.06 of the Legislative Code. (3) Failure of the applicant to pay the city fee and costs prescribed above. (4) (i) The location of a new currency exchange as proposed would cause significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. Such anticipated effect must be shown by clear and convincing evidence. (ii) The existing currency exchange has caused significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. (5) Failure of the applicant to agree to reasonable conditions upon the operation of the business in accordance with the procedures in section 310.05 and the grounds of 310.06. Such conditions could include, but are not limited to, hours of operation, off-street parking requirements, bondin� in an amount greater than that rec�uired by state law, and annual audits at the licensee's expense. (6) The applicant is not of good moral character and repute and/or- is unfit to operate such a business. . (7) The applicant is not at least eijhteen (18) years of age. (8) The applicant is not the real party in interest in the application. (9) The location of the business for which a new currency exchange license is souaht is within one-half mile of an existing currency exchange licensed by the state. (10)) The applicant or its proposed business location does not comply with applicable zoning, building, fire and health codes. (c) Per•s•an.s and corporc�tior7.s. If an applicant is a partnership, the application may be denied if there is a basis for denial as to any partner. If the applicant is a corporation, the application may be denied if there is a basis for denial as to any (i) shareholder holding more than five (5) percent of the outstanding or issued stock of the corporation, or (ii) officer or director of the corporation, or (iii).employee of the enterprise having policy or mana�ement control over the enterprise. _ _ - _ _ _ __ - _ _ _ _ -_ - ._:. . - . . _ ._. _. .. _ _ ��-�� (C.F. No. 94-46, fi 4, 2-2-94) Sec. 381.04. Definitions. The following words and/or phrases shall have the fotlowina meaning when used in this chapter and in Chapter 310 of the Leaislative Code. (a)Applicar�t. The term "applicant" includes persons, partnerships, finns and corporations and all other forms of business ventures. It also includes employees who exercise management or policy control over the enterprise, general and limited partners, shareholders of more than five (5) percent of the outstanding or issued shares of a corporation, and corporate managers, officers and directors. � (b)Applicatior�. The term "application" includes applications for both new and renewal licenses. (c) Licertse. The term "license" refers to the state currency exchange license provided for in Minnesota Statutes Section 53A.02. (d) C.'7�rrer�cy exchar�ge. The term "currency exchange" is defined in Minnesota Statutes Section S;A.O1, subdivision 1. Currency exchan�e means any person, except a bank, trust company, savings bank, savings and loan association, credit union, or industrial loan and thrift company, engajed in the business of cashing checks, drafts, money orders or travelers' checks for a fee. Currency exchange does not include a person who provides these services incidental to the person's primary business if the charge for cashing a check or draft does not exceed one dollar ($1.00) or one (1) percent of the value of the check or draft, whichever is greater. (C.F. No. 94-46, § 5, 2-2-94) . _ .,-_ _. , _ _. _ _ _. : _ . .__ _- -- --. _ _ , __._ . __ _. _. OFFICEOFUCGNSE.INSPECTIU\'�;�,�,I�_._ - ��'�� _ " __._�.^_�_.�_"'°'..""�v"G'fR�CCl'�1':�t'PRC�TE � -.... ----- • .._ RobertKessler,Direcra� CITY OF SAINT PA[JI., L06VRY PROFESSION.4/_ Telephone:612-Z66-909U Nor�n Colemnn,Mayor BUILDING Focsunile: 612-?66-9099 Suite 300 612-266-913-1 350 St.Peter Street SarntPaul,rLfinnesota 55102-ISIO rr� October 29, 1996 Stuart Tapper 9905 St. Johns Road Minnetot�ka, MN 55305 Re: Currency Exchange License Application Dear Mr. Tapper: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notification from the Minnesota Department of commerce of your cunency exchange license application for the Unbank Company located at 467-469 St. Peter Street, St. Paul, MN 55102. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November 6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presented to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). - --. . . _ _ - -- _ - _ . - ___- _ :��_��°�.� For your eonvenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Sincerely, � � �[l.ri,��.--� Tro �ilbertson, Y License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney _ __ _ - ---~-- ~ - OFFICE OF LICENSE,I�ISPECTIUNS �..VD : - _ _ - __ lQ:��ilo _ .__._:_ � ,._.� _ .�__�._.._�._...,.:_,.,.,.Eli�1RONVf£NT,Ai.-PROT.ECTlO�:.- - . _ . _ -- -_. _ _ __ Robert�es.cler.Uirecror CITY OF SAINT PAUL �.i��.��.��f�.:i:��n ��•r�-��f,��.,�. �.��.�i�,.��,,,,. ;Vorm(.�Oler,�n.;l/u�•o� /.'�.C!'F_(�77U.\'$ l�rc:�muhr I�/'_'Gb.V;�= �j!1 St.Peter$tn<et Siulz 30lJ So�nt Puul,Minnesotn 5�10? .rir NOTICE OF PUBLIC HEARING Currency Exchange License Application of the Unbank Company 467-469 St. Peter Street Saint Paul, Minnesota 55102 Office of Administrative Hearings on the behaif of the COUNCIL OF THE CITY OF SAINT PAUL PLEASE TAKE NOTICE that testimony will be taken from interested persons, including those in the community with respect to the application of the Unbank Company to operate a currency exchange by license issued under Minn. Stat. §53A.02. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the governing body, after published notice and hearing, within 60 days after receipt of the application. The hearing will be conducted by an administrative law judge from the Minnesota Office of Administrative Hearings, on behalf of the Council of the City of Saint Paul. His or her report, and recommendation for action, will be forwarded to the Council for its action. Date of Public Hearing: Wednesday, November 6, 1996 Time : 8:30 a.m. Location of Public Hearing: Ramsey County Courthouse Room 41, Lower Level 15 Wes; Kellog Boulevard St. Paul, Minnesota 55102 If you have any questions, please call Christine Rozek, Office of License, Inspections and Environmental Protection at 266-9108. . �� _ ' _. _ _ � �'��,� . Ch�pter 381. Cw-rency Exch�nges Sec. 381.01. State license required; detinition. ' No person shall engage in the business of a cun-ency exchanae in Saint Paul without a license as provided by Minnesota Statutes Chapter S;A. (C.F. No. 94-46, § 2, 2-2-94) Sec. 381.02. Procedures; he�ring; fee. (a)Pr•ocec�rrr•es•. Upon receipt of a completed application from the commissioner of commerce for either a new license or the renewal of an existing license, the matter shall be referred to the office of license, inspections and environmental protection for initiation of a hearina as required by state law within the period allowed for the response of the governing body. The hearing shall be for the purpose of taking testimony from interested persons, including those in the community in which the applicant is located or is proposing to be located, as required by law, and upon grounds or issues as to which notice has been given in accordance with the requirements of sections 3 l 0.05 and 310.06 of the Legislative Code. The said office shall publish and give notice as required by law. (b) Hecn�ing. The hearing shall be held before an independent hearin� examiner in conformity with the provisions of sections �]0.05 and 310.06 of the Le�islative Code, and the rules of the office of administrative hearings, to the extent such rules are not in conflict with sections 310.05 and 310.06. (c)Fee; costs. The applicant shall pay, within fifteen (15) days following receipt of the application by the city, a fee covering the costs of administering and processing the application in an amount to be established in conformity with the procedures in section 310.09(b) of the Legislative Code. The applicant shall also reimburse the city, within fifteen (15) days following action by the city council on the application, for its costs in conducting the hearing or hearings prescribed by state law, including publication costs and the cost of the administrative proceedings and hearing before an independent hearin� examiner. (C.F. No. 94-46, � 3, 2-2-94) Sec. 381.03. Grounds for disappi•oval, etc. (a) I)i.sappr•ovczl. The council may by resolution disapprove an application and, if so, shall state therein its reasons for so doin�. lt may adopt in whole or in part tl�e findings of fact and conclusions of law of the independent hearing examiner and may amend the same to conform to its decision on the record and the testiinony. Notice of the disappro��al ma�� be communicated te� the commissioner of commerce before the et�-ective date of any such resolution where necessary to avoid a presumption of concurrence. _.._._.._..��_. ,_.__.._. _,... _ .____..... .__ _ _ _,�.._ __ :-_ - -- _ G.�\`-1.�i� (b) CTroz.rnds for�disapproval. Disapproval of an application may be based on one (1) or more of the following grounds, in addition to any other ground allowed by law: (1) Violation of any provision of the state currency exchange law contained in Chapter 53 A. (2) Any one (1) or more of the reasons, conditions, or standards for adverse action under section 310.06 of the Legislative Code. (3) Failure of the applicant to pay the city fee and costs prescribed above. (4) (i) The location of a new cui-rency exchan�e as proposed would cause " significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. Such anticipated effect must be shown by clear and convincing evidence. (ii) The existing currency exchange has caused significant adverse consequences or impacts upon the nei�hborhoods within three hundred (300) feet of the exchange. (5) Failure of the applicant to agree to reasonable conditions upon the operation of the business in accordance with the procedures in section 310.05 and the grounds of 310.06. Such conditions could include, but are not limited to, hours of operation, off-street parking requirements, bonding in an amount greater than that required by state law, and annual audits at the licensee's expense. . (6) The applicant is not of good moral character and repute and/or is unfit to operate such a business. (7) The applicant is not at least eighteen (18) years of age. (8) The applicant is not the real party in interest in the application. (9) The location of the business for which a new currency exchange license is sought is within one-half mile of an existina currency exchange licensed by the state. (10)) The applicant or its proposed business location does not comply with applicable zoninJ, building, fire and health codes. (c)Per•svns and corporatioris. If an applicant is a partnership, the application may be denied if there is a basis for denial as to any partner. If the applicant is a corporation, the application may be denied if there is a basis for denial as to any (i) shareholder holding more than five (5) percent of the outstanding or issued stock of the corporation, or (ii) officer or director of the corporation, or (iii) employee of the enterprise having policy or management control over the enterprise. _ � _ � _ ��Cl,� (C.F. No. 94-46, § 4, 2-2-94) Sec. 381.04. De�initions. The followin� words and/or phrases shall have the following meanin� when used in this chapter and in Chapter 310 of the Le�islative Code (a) A�plrcczrtt. The term "applicant" includes persons, partnerships, tiri�s and corporations and all other forms of business ventures. It also includes employees who exercise management ot- policy control over the enterprise, general and limited partners, shareholders of more than five (5) percent of the outstanding or issued shares of a corporation, and corporate mana;ers, officers and � directors. (b)Appliccztion. The term "application" includes applications for both new and renewal licenses. (c)License. The term "license" refers to the state currency exchange license provided for in Minnesota Statutes Section 53A.02. (d) C'ur•rency exchange. The term "currency exchange" is defined in Minnesota Statutes Section 53A.01, subdivision 1. Currency exchange means any person, except a bank, trust company, savings bank, savings and loan association, credit union, or industrial loan and thrift company, en�ajed in the business of cashing checks, drafts, money orders or travelers' checks for a fee. Currency exchange does not include a person who provides these services incidental to the person's primary business if the charje for cashing a check or draft does not exceed one dollar ($1.00) or one (1) percent of the value of the check or draft, whichever is �reater. (C.F. No. 94-46, § 5, 2-2-94) _ = - —OFFICE OF LICENSE,INSPECTIUNS A:VD - - " ---- ' �— - .._._...:.._._._......_.�._____.._.�._.._--°°E�tiTRO��[Elv'TX�P __ RobertKessler,Director ��—��p CITY OF SAINT PAUL LOWR}'PROFESSIONAL Tefephone:6/?-266-909�� Norm('olemun.A-lnyor BU/LDIN(.; Facsimile: 613-?66-9fi99 $i�ite 300 613-?b6-91?-! ;i0 Sr.Perer Srrect $mrrrPnul.llir�n�so�u i�10?-!510 �� Uctober 29, 1996 Michelle Yeske 319 Earl Street St. Paiil, MN 55106 Re: Cunency Exchange License Application Dear Ms. Yeske: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notification from the Minnesota Department of commerce of your currency exchange license application for the Unbank Company located at 467-469 St. Peter Street, St. Paul, MN 55102, Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Councii of the City of Saint Pal�l. The hearing will be held Wednesday, November 6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presenfed to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). �,lo--�� For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Cl�risti►�e Rozek at 266-9108. Sincerely, /p �� • ,.�.,�/�.'Lv / � Troy Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney � � ' � -- (�FFICE OF LICENSE,I�I.SPECTIONS A.�D -- —=_ — �...... .._._._._.,�___'_._____..�._,_._.___.._..� :.. ._ ____..:.J: >.__ _..._ �..__.___._.�Ei�fVIRO?IMEtvTAI:PR�"£1E�� _ — . .-._-:-_ _.____�----�_. Roherti'essfer,Uirector �� ^ � C..i CTTY OF SAINT PAUL r.��.:�.��e.a.�n i�-r,-,�;,,,,,�. ,,�,.,,,..-;,,,,, ,Norvn(�olemnn.Alo)'or l.\:C/'F!'77�1.\'.0 /�u♦,rmilc. i��'._i�n.��;�1 �jO.Sr.f'ercer.Street Suue�01/ Sarn�Paul.Afinnesota S�lO? .�.�ir NOTICE OF PUBLIC HEARING Currency Exchange License Application of the Unbank Company 467-469 St. Peter Street Saint Paul, Minnesota 55102 Office of Administrative Hearings on the behalf of the COUNCIL OF THE CITY OF SAINT PAUL PLEASE TAKE NOTICE that testimony will be taken from interested persons, including those in the community with respect to the application of the Unbank Company to operate a currency exchange by license issued under Minn. Stat. �53A.02. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the governing body, after published notice and hearing, within 60 days after receipt of the application. The hearing will be conducted by an administrative law judge from the Minnesota Office of Administrative Hearings, on behalf of the Council of the City of Saint Paul. His or her report, and recommendation for action, will be forwarded to the Council for its action. Date of Public Hearing: Wednesday, November 6, 1996 Time : 8:30 a.m. � Location of Public Hearing: Ramsey County Courthouse Room 41, Lower Level 15 West Kellog Boulevard St. Paul, Minnesota 55102 If you have any questions, please call Christine Rozek, Office of License, Inspections and Environmental Protection at 266-9108. � �- ��`��Y� Chapter 381. Currency Exchanges Sec. 381.01. St�te license required; definition. No person shall engage in the business of a currency exchan�e in Saint Paul v��ithout a license as provided by Minnesota Statutes Chapter 53A. . (C.F. Nc�. 94-46, � 2, 2-2-94) Sec. 381.02. Procedures; hearing; fee. (a)f'rocec�'zir•es. Upon receipt of a completed application from the commissioner of commerce for either a new license or the renewal of an existing license, the matter shall be referred to the office of license, inspections and environmental protection for initiation of a hearing as required by state law within the period allowed for the response of the governing body. The hearin� shall be for the purpose of taking testimony from interested persons, including those in the community in which the applicant is located or is proposing to be located, as required by law, and upon grounds or issues as to which notice has been given in accordance with the rec�uirements of sections 310.05 and 310.06 of the Legislative Code. The said office shall publish and give notice as required by law. (b)Hecrring. The hearing shall be held before an independent hearing examiner in conformity with the provisions of sections 310.05 and 310.06 of the Legislative Code, and the rules of the office of administrative hearings, to the extent such rules are not in conflict with sections 310.05 and 310.06. (c) Fee; casts. The applicant shall pay, within fifteen (1 S) days following receipt of the application by the city, a fee coverin� the costs of administering and processing the application in an amount to be established in conformity with the procedures in section 3 I 0.09(b) of tl�e Legislative Code. The applicant shall also reimburse the city, within fifteen (1�) days followin� action by the city council on the application, for its costs in conducting the hearing or hearings prescribed by state law, including publication costs and the cost of the administrative proceedings and hearing before an independent hearing examiner. (C.F. No. 94-46, � 3, 2-2-94) Sec. 381.03. Grounds for dislpproval, etc. (a)I)isapproval. The council may by resolution disapprove an application and, if so, shall state therein its reasons for so doing. It may adopt in whole or in part the findings of fact and conclusions of law of the independent hearing examiner and may amend the same to conform to its decision on the record and the testimony. Notice of the disapproval may be communicated to the commissioner of commerce before the effective date of any such resolution where necessary to avoid a presumption of concurrence. - -- __ _ Cl,�-\��,� (b) Grcrr�nds for•di,sappro��al. Disapproval of an application may be based on one ( I) or more of the following grounds, in addition to any other �round allowed by la�v (1) Violation of any provision of the state currency exchange law contained in Chapter 5�A. (2) Any one (1) or more of the reasons, conditions, or standards for adverse action under section 310.06 of the Legislative Code. (3) Failure of the applicant to pay the city fee and costs prescribed above. (4) (i) The location of a new currency exchange as proposed would cause � significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. Such anticipated effect must be shown by clear and convincing evidence. (ii) The existing currency exchange has caused sijnificant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. (5) Failure of the applicant to agree to reasonable conditions upon tl�e operation of the business in accordance with the proced�ires in section 310.0� and the �,rounds of 310.06. Such conditions could include, but are not limited to, hours of operation, off-street parking requirements, bonding in an amount greater than that required by state law, and annual audits at the licensee's expense. (6) The applicant is not of good moral character and repute and/or is unfit to operate such a business. (7) The applicant is not at least eighteen (18) years of aDe. (8) The applicant is not the real party in interest in the application. (9) The location of the business for which a new currency exchange license is sought is within one-half mile of an existing currency exchange licensed by the state. (10)) The applicant or its proposed business location does not comply with applicable zonin�, buildin�, fire and health codes. (c) Pc,>>�.s•nr�.r ar�d cnr��oralir�ri.s. If an applicant is a partnership, the application may be denied if there is a basis for denial as to any partner. lf the applicant is a corporation, the application may be denied if there is a basis for denial as to any (i) shareholder holdin; more than five (5) percent of the outstandina or issued stock of the corporation, or (ii) officer or director of the corporation, or (iii) employee of the enterprise having policy or mana�ement control over the enterprise. . _ . _._.._:_s _. . .. . .-- �_---_-._._. ._ . � - - _ _--_ _ °��1`��,�a (C.F. No. 94-46, � 4, 2-2-94) Sec. 381.04. Definitions. The fo(lowing words and/or phrases shall have the following meanin�when used in this chapter and in Chapter 310 of the Legislative Code. (a)Applicartt. The term "applicant" includes persons, partnerships, firms and corporations and all other forms of business ventures. It also includes employees who exercise management or policy control over the enterprise, general and limited partners, shareholders of more than five (�) percent of the outstanding or issued shares of a corporation, and corporate mana�ers., officers and directors. (b)Appliccrtion. The term "application" includes applications for both new and renewal licenses. (c)Licens•e. The term "license" refers to the state currency exchange license provided for in Minnesota Statutes Section 53A.02. (d) C,'7.�rrerrcy exchartge. The term "currency exchange" is defined in Minnesota Statutes Section 53A.01, subdivision 1. Currency exchange means any person, except a bank, trust company, savings bank, savings and loan association, credit union, or industrial loan and thrift company, engaged in the business of cashing checks, drafts, money orders or travelers' checks for a fee. Currency exchange does not include a person who provides these services incidental to the person's primary business if the charge for cashing a check or draft does not exceed one dollar ($1.00) or one (1) percent of the value of the check or draft, whichever is greater. (C.F. No. 94-46, � 5, 2-2-94) ' ` OFFICE OF LICENSE.?NSPECTIONS AND EN VIRONMENTAL PROTECTION RobertKessler,Director ��\�� CITY OF SAINT PAUL LOWRY PROFESS/ONAL Telephone:61Z-266-9090 \'onn Coleman,Mayor BUILDINC Facsimile: 61?-266-9099 Suite 300 612-266-9124 350 St.Peter Street Saint Paul,Minnesota 551 02-1 51 0 �� October 29, 1996 Alan I.ePage 10723 Fillmore Stne Blaine. MN 55434 Re: Currency Exchange License Application Dear Mr. LePage: The City of Saint Paul Off'ice of License, Inspections and Environmental Protection has received notification from the Minnesota Department of commerce of your currency exchange license application for Unbank Company located at 1098 University Avenue, Saint Paul, MN 55104 Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November,6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presented to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). �i��c�tb . For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Sincerely, .i �-��--= . / -� Tro �lbertson Y , License Enforcement Auditor Enclosure , cc: Virginia Palmer, Assistant City Attorney I �\ � � �� \�- ��1,�lP CITY OF SAINT PAUL Norm Coleman, Mayor ADMINISTRATIVE LAW HEARING — IN THE MATTER OF THE LICENSE APPLICATION OF UNBANK COMPANY AT 1098 UNIVERSITY AVENUE SAINT PAUL, MINNESOTA 55104 CITY'S EXHIBITS Notices: 1. Notice of Hearing letter to license applicant. Attachments include: Notice of Public Hearing Chapter 381, Legislative Code 2. Affidavit of service by mail for license applicant letter. 3. Notice of hearing letter to interested persons. 4. Affidavit of service by mail for postcard to interested persons. 5. Affidavit of publication, Wednesday, October 30, 1996. Statute: 6. Minn. Stat. ch. 53A (6pp.). , ' , ' OFFICE OF L[CENSE.INSPECTIONS AND E\VIRONMENT.aI,PROTECTION RvhertKessler.Director �� CITY OF SAINT PALTL ��:i+Rr� �ROi•E.s.eir�;��..�t, r�,��-,�t,��,,,- r,�_-��.,,.�,��-,, \-orntC'olemnn,:l.Iay�or 5(:1LDIN(.i � l�ac�nn�i�� il_'.'!��,-�.U'�; S��rte.±00 n�'_ 'i,b-�i;_., :`O.St.Perer.Srr�e+ Sc�na�Pm�l.;1/�nr�asoti� ��l/I?-l�r U �r October 29, 1996 Gary Dachis 1211 Golden Aere Drive Minnetonka, MN 55305 Re: Currency Exchange License Application Dear Mr. Dachis: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notif'ication from the Minnesota. Department of commerce of your currency exchange license application for Unbank Company located at 1098 University Avenue, Saint Paul, MN 55104 Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an admuustrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November,6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presented to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State La.w. You may be billed for those costs after the hearing(s). EXIIIBIT #1 -------��,_�_ _..._ r � �� l� For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Sincerely, � ��,�� . � . Troy Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney , � OPFICC OF LICE NSE,l\SPCC"CI(J�S �.\D , , ._ _ _:: _:-. - .___ _--_:W..:_:_ .. _... ;_ _ _ _ --.. ::_. ,.. _. . -•- _ - -..:.. . - --.. .___ E\\�iKC)\\tE'.\'T.aL:P2�Tl:C"i'1O�' -..,_ _ _"' Koherr f.'e.+s,''er ,')irector \\ 4 �j � c�� r.� � CITY OF SAINT PAUL ;��:`sE.��.:; �«��-,�;,�;,;�- ,,�_ _,, ,;,,,, VornrCol�mnri.;lln}�or l:A�.S%'ECTIO.`.:S 1�7�c.c�or,ke:Gl_'-=6�-'il?� 350 St.1'erer�rreer Suite 300 Sa�ntPaul.,bfinnesota 55102 �..iir � NOTICE OF PUBLIC HEARING Currency Exchange License Application of the Unbank Company 1098 University Avenue Saint Paul, Minnesota 55104 Office of Administrative Hearings on the behalf of the COUNCIL OF THE CITY OF SAINT PAUL PLEASE TAKE NOTICE that testimony ��Nill be taken Tr�m interested_persons, including those in.the community with respect to the application of the Unbank Company to operate a currency exchange by license issued under Minn. Stat. §53A.02. - Minn: Stat.��53A:04 requires the approval or disapproval of the s#ate application by the governing body, after published notice and hearing; within 6� days after receipt of the application. The hearing will be conducted by an administrative law judge from the Minnesota Office of Administrative Hearings, on behalf of the Council of the City of Saint Paul. His or her report, and recommendation for action, will be forwarded to the Council for its action. Date of Public Hearing: Wednesday, November 6, 1996 Time : 8:30 a.m. Location of Public Hearing: Ramsey County Courthouse Room 41, Lower Level . 15 West Kellog Boulevard St. Paul, Minnesota 55102 If you have any questions, please call Christine Rozek, Office of License; Inspections and Environmental Frotection at 266-9108. �� `�� Chapter 38�. Currency Exchanges Sec. 381.01. State license required; definition. No person shall engage in the business of a currency exchange in Saint Paul without a license as provided by Minnesota Statutes Chapter 53A. (C.F. No. 94-46, � 2, 2-2-94) Sec. 381.02. Procedures; hearing; fee. (a) Procedz�res. Upon receipt of a completed application from the commissioner of coinmerce for either a new license or the renewal of an existing license, the matter shall be referred to the office of license, inspections and environmental protection for initiation of a hearing as required by state law within the period a(lowed for the response of the governing body. The hearing shall be for the purpose of taking testimony from interested persons, including those in the community in which the applicant is located or is proposing to be located, as required by law, and upon grounds or issues as to which notice has been given in accordance with the requirements of sections 310.05 and 310.06 of the Legislative Code. The said office shall publish and give notice as required by law. (b)Hearing. The hearing shall be held before an independent hearing examiner in conformity with the provisions of sections 310.05 and 310.06 of the Legislative Code, and the rules of the office of administrative hearings, to the extent such rules are not in conflict with sections 310.05 and 310.06. (c)Fee; cvsts. The applicant shall pay, within fifteen (15) days following receipt of the application by the city, a fee covering the costs of administering and processing the application in an amount to be established in conformity with the procedures in section 310.09(b) of the Legislative Code. The applicant shall also reimburse the city, within fifteen (15) days following action by the city council on the application, for its costs in conducting the hearing or hearings prescribed by state law, including publication costs and the cost of the administrative proceedings and hearing before an independent hearing examiner. (C.F. No. 94-46, � 3, 2-2-94) " Sec. 381.03. Grounds for disapproval, etc. (a)Disapp�•oval. The council may by resolution disapprove an application and, if so, shall state therein its reasons for so doing. It may adopt in whole or in part the findings of fact and conclusions of law of the independent hearing examiner and may amend the same to conform to its decision on the record and the testiinony. Notice of the disapproval may be communicated to the commissioner of commerce before the effective date of any such resolution where necessary to avoid a presumption of concurrence. � � � �� (b) (>>•ounc�s for disapproval. Disapproval of an application may be based on one (1) or more of the following grounds, in addition to any other ground allowed by law: (1) Violation of any provision of the state currency exchange law contained in Chapter 53A. (2) Any one (1) or more of the reasons, conditions, or standards for adverse action under section 310.06 of the Legislative Code. (3) Failure of the applicant to pay the city fee and costs prescribed above. (4) (i) The location of a new currency exchange as proposed would cause significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. Such anticipated effect must be shown by clear and convincing evidence. (ii) The existing currency exchange has caused significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. (5) Failure of the applicant to agree to reasonable conditions upon the operation of the business in accordance with the procedures in section 310.05 and the grounds of 310.06. Such conditions could include, but are not limited to, hours of operation, off-street parking requirements, bonding in an amount greater than that required by state law, and annual audits at the licensee's expense. (6) The applicant is not of good moral character and repute and/or is unfit to operate such a business. (7) The applicant is not at least eighteen (18) years of age. (8) The applicant is not the real party in interest in the application. (9) The location of the business for which a new currency exchange license is sought is within one-half mile of an existing cunency exchange licensed by the state. (10)) The applicant or its proposed business location does not comply with applicable zoning, building, fire and health codes. (c)Persons and corporations. If an applicant is a partnership, the application may be denied if there is a basis for denial as to any partner. If the applicant is a corporation, the application may be denied if there is a basis for denial as to any (i) shareholder holding more than five (5) percent of the outstanding or issued stock of the corporation, or (ii) officei- or director of the corporation, or (iii) employee of the enterprise having policy or management control over the enterprise. � G�-�� - (C.F. No. 94-46, � 4, 2-2-94) Sec. 381.04. Definitions. The following words and/or phrases shall have the following meaning when used in this chapter and in Chapter 310 of the Legislative Code. . (a)Applicant. The term "applicant" includes persons, partnerships, firms aiid corporations and all other forms of business ventures. It also includes employees who exercise management or policy control over the enterprise, general and limited partners, shareholders of more than five (5) percent of the outstanding or issued shares of a corporation, and corporate managers, officers and directors. (b)Applicatiorr. The term "application" includes applications for both new and renewal licenses. (c)License. The term "license" refers to the state currency exchanje license provided for in Minnesota Statutes Section 53A.02. (d) C'i�rrency exchange. The term '�currency exchange" is defined in Minnesota Statutes Section 53A.01, subdivision 1. Currency exchange means any person, except a bank, trust company, savings bank, savings and loan association, credit union, or industrial loan and thrift company, engaged in the business of cashing checks, drafts, money orders or travelers' checks for a fee. Currency exchange does not include a person who provides these services incidental to the person's primary business if the charge for cashing a check or draft does not exceed one dollar ($1.00) or one (1) percent ofthe value ofthe check or draft, whichever is greater. (C.F. No. 94-46, § 5, 2-2-94) � . � OFFICE OF LICENS�,INSPECTIONS AND ENVIRONMENTAL PROTECTION �� \� L�� Robert Kessler,Director �� CITY OF SAINT PALTL 1nu�Rr �ROFCSS��.N�:a� r�:�«��h��„�- hr�-_�r,-��o�;�, `:orm C'oleninn.A-/apor Bl.'/LI7/.'��(.; � ;��cs�m�le: 61_'-_'6G-v�iv�i .S,�,rc�o�i �,i'-'r,r,_.,�_�� ijO.Cr.Pere��Sn�eer � StuntP��rd..l9innesota �5/0?-l�10 � � October 29, 1996 Stuart Tapper 9905 St. Johns Road Minnetonka, MN 55305 Re: Cunency Exchange License Application Dear Mr. Tapper: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notification from the Minnesota Department of commerce of your currency exchange license application for Unbank Company located at 1098 University Avenue, Saint Paul, MN 55104 Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November,6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presented to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by Sta.te Law. You may be billed for those costs after the hearing(s). � �` �� For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Sincerely, .� �-�� Troy Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney ' , - . OPFICG OF LICE\SL.INSPGC'll0\S.-�\D _ , _ _- _ . .. _ r .s. _ :<_ _ : �_ _::._ , :. E�iVTRO�'\iF\T:�CPROTFCTICj\' ,. ,.. ,::.r_ _. .� Roberi��es.rle� �hreeror ��—\�� CITY OF SAINT PAUL ._;��_;`.sf�-.a�.;; :�-;,:��;,�„,� ,,,� -,,_,;,,,, Vorm(':-.;n�nri.Mnyor !.\`,S/'C('77U.\:� F��c,iniirc<:6/_.?•r-'il'� 3.i0 St.f'erer Street Ji�ite 300 � SaintPaul,Jllinnesota .i5102 �� NOTICE OF PUBLIC HEARING : Currency Exchange License Application of the Unbank Company 1098 University Avenue Saint Paul, Minnesota 55104 Office of Administrative Hearings on the behaif of the COUNCIL OF THE CITY OF SAINT PAUL PLEASE TAKE NOTICE ±hat tesiimony �n�ill be taken from interested persons, including those in the community with respect to the application of the Unbank Company to operate a currency exchange by license issued under Minn. Stat. §53A.02. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the governing body, after published notice and hearing, within 60 days after receipt of the appiication. The hearing will be conducted by an administrative law judge from the Minnesota Office of Administrative Hearings, on behalf of the Council of the City of Saint Paul. His or her report, and recommendation for action, will be forwarded to the Council for its action. Date of Public Hearing: Wednesday, November 6, 1996 - Time : 8:30 a.m. Location of Public Hearing: Ramsey County Courthouse Room 41 , Lower Level 15 West Kellog Boulevard St. Paul, Minnesota 55102 If you have any questions, please call Christine Rozek, Office of License, Inspections and Environmental Rrotection at 266-9108. \�l� `� Chapter 381. Currency Exchanges Sec. 381.01. St�te license required; definition. No person shall engage in the business of a currency exchange in Saint�Paul without a license as provided by Minnesota Statutes Chapter 53A. (C.F. No. 94-46, § 2, 2-2-94) Sec. 381.02. Procedures; he�►ring; fee. (a)Prncedures•. Upon receipt of a completed application from the commissioner of commerce for either a new license or the renewal of an existing license, the matter shall be referred to the office of license, inspections and environmental protection for initiation of a hearing as required by state law within the period allowed for the response of the governing body. The hearing shall be for the purpose of taking testimony from interested persons, includinQ those in the community in which the applicant is located or is proposing to be located. as required by law, and upon grounds or issues as to which notice has been given in accordance with the requirements of sections 310.05 and 310.06 of the Legislative Code. The said office shall publisl� and give notice as required by law. (b) Hearing. The hearing shall be held before an independent hearing examiner in conformity with the provisions of sections 310.05 and 310.06 of the Legislative Code, and the rules of the'office of administrative hearings, to the extent such rules are not in conflict with sections 310.05 and 310.06. (c)Fee; costs. The applicant shall pay, within fifteen (15) days following receipt of the application by the city, a fee covering the costs of administering and processing the application in an amount to be established in conformity with the procedures in section 310.09(b) of the Legislative Code. The applicant shall also reimburse the city, within fifteen (15) days following action by the city council on the application, for its costs in conducting the hearing or hearings prescribed by state law, including publication costs and the cost of the administrative proceedings and hearing before an independent hearing examiner. (C.F. No. 94-46, � 3, 2-2-94) Sec. 381.03. Grounds for disapproval, etc. (a)Disapprvi�crl. The council may by resolution disapprove an application and, if so, shall state therein its reasons for so doing. It may adopt in whole or in part the findings of fact and conclusions of law of the independent hearing examiner and may amend the same to conform to its decision on the record and the testimony. Notice of the disapproval may be communicated to the cominissioner of commerce before the effective date of any such resolution where necessary to avoid a presumption of concurrence. �t�-��k�.b (b) G�•ounc�s�,fo�•dzsapprvval. Disapproval of an application may be based on one (1) or more of the following grounds, in addition to any other ground allowed by law: (1) Violation of any provision of the state currencv exchange law contained in Chapter >;A. (2) Any one (1) or more of the reasons, conditions, or standards for adverse action under section 310.06 of the LeQislative Code. (3) Failure of the applicant to pay the city fee and costs prescribed above. (4) (i) The location of a new currency exchange as proposed would cause significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. Such anticipated effect must be shown by clear and convincing evidence. (ii) The existing currency exchange has caused significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchan�e. (5) Failure of the applicant to agree to reasonable conditions upon the operation of the business in accordance with the procedures in section 310.05 and the grounds of 310.06. Such conditions could include, but are not limited to, hours of operation, off-street parking requirements, bonding in an amount greater than that required by state law, and annual audits at the licensee's expense. (6) The applicant is not of good moral character and repute and/or is unfit to operate such a business. (7) The applicant is not at least eighteen (18) years of age. (8) The applicant is not the real party in interest in the application. (9) The location of the business for which a new currency exchange license is sought is within one-half mile of an existing currency exchange licensed by the state. (10)) The applicant or its proposed business location does not comply with applicable zoning, building, fire and health codes. (c) Persons c�nd corporcrtiorrs. If an applicant is a partnership, the application may be denied if there is a basis for denial as to any partner. If the applicant is a corporation, the application may be denied if there is a basis for denial as to any (i) shareholder holding more than five (5) percent of the outstanding or issued stock of the corporation, or (ii) officer or director of the corporation, or (iii) employee of the enterprise having policy or management control over the enterprise. � �-�`�`�� (C.F. No. 94-46, § 4, 2-2-94) Sec. 381.04. Definitions. The following words and/or phrases shall have the following meaning when used in this cllapter and in Chapter 310 of tl�e Legislative Code. . (a)Applicant. The term "applicant" includes persons, partnerships, firms and coiporations and all other forms of business ventures. It also includes employees who exercise management or policy control over the enterprise, general and limited partners, shareholders of more than five (5) percent of the outstanding or issued shares of a corporation, and corporate managers, officers and directors. (b)Applicativn. The term '�application" includes applications for both new and renewal licenses. (c) License. The term '�license" refers to the state currency exchange license provided for in Minnesota Statutes Section 53A.02. (d) Crirr•eracy exchange. The term "currency exchange" is defined in Minnesota Statutes Section 53A.01, subdivision 1. Currency exchange means any person, except a bank, trust company, savings bank, savings and loan association, credit union, or industrial loan and thrift company, engaged in the business of cashing checks, drafts, money orders or travelers' checks for a fee. Currency exchange does not include a person who provides these services incidental to the person's primary business if the charge for cashing a check or draft does not exceed one dollar ($1.001 or one (1) percent of the value of the check or draft, whichever is greater. (C.F. No. 94-46, § 5, 2-2-94) �,��--\ �� STATE OF MINNESOTA ) ) ss. AFFIDAVIT OF SERVICE BY MAIL COUNTY OF RAMSEY ) Troy Gilbertson, being first duly sworn, deposes and says that on October 30, 1996 he served the attached Notice of Hearing on the following named person by placing a true and correct copy thereof in an envelope addressed as follows: Gary Dachis 1211 Golden Aere Dr. Minnetonka, NIN 55305 Stuart Tapper 9905 St. Johns Road Minnetonka, NIN 55305 Alan LePage 10723 Fillmore St Blaine, MN 55434 (which is the last known addresses of said person) and depositing the same, with postage prepaid, in the United States mails at Saint Paul, Minnesota. � �� T Y GILBERTSON x • KAREN KAYOLSON Subscribed and sworn to before me ��OTARYPUBLIGW� thi s 1 s t day o f Novembe r, 19 9 6 . (�"y Commbslon Ezpi�Jeo.81�2A00 r x Notary Public ��d �,, ,�a�, cTiso� �X�-, �� s��,�000 EXHIBIT #2 ' OFFICE OF LICENSE,INSPECTIONS AND ENVIRONMENTAL PROTECTION ��\\ �, �I i� Rohert Kessler,�)irector ��' �� CITY OF SAINT PAUL LicENSE.�vn r�i��h��n�- ei�-��_�� Norm Colernan,Mayor INSPECT/ONS /�acsim�le:613-?66-9/?a 350 St.Peter Street Suite 300 Saint Paul,Minnesota 55102 � NOTICE OF PUBLIC HEARING Currency Exchange License Application of the Unbank Company 1098 University Avenue Saint Paul, Minnesota 55104 Office of Administrative Hearings on the behalf of the COUNCIL OF THE CITY OF SAINT PAUL PLEASE TAKE NOTICE that testimony will be taken from interested persons, including those in the community with respect to the application of the Unbank Company to operate a currency exchange by license issued under Minn. Stat. §53A.02. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the governing body, after published notice and hearing, within 60 days after receipt of the application. The hearing will be conducted by an administrative law judge from the Minnesota Office of Administrative Hearings, on behalf of the Council of the City of Saint Paul. His or her report, and recommendation for action, will be forwarded to the Council for its action. Date of Public Hearing: Wednesday, November 6, 1996 Time : 8:30 a.m. Location of Public Hearing: Ramsey County Courthouse Room 41, Lower Level 15 West Kellog Boulevard St. Paul, Minnesota 55102 If you have any questions, please call Christine Rozek, Office of License, Inspections and Environmental Protection at 266-9108. EXHIBIT #3 �,l��'� ��p STATE OF MINNESOTA ) ) ss. �AVIT OF SERVICE BY MAII. COUNTY OF RAMSEY ) Troy Gilbertson, being first duly sworn, deposes and says that on October 30, 1996 he served the atta.ched Notice of Hearing on the following named person by placing a true and correct copy thereof in an envelope addressed as follow: Summit Univ Ping Cncl St Paul Urban League Summit-Uniersity Counc Peggy Byrne,Ex Dir Willie Mae Wilson Steve Wilson,Chair 627 Selby Avenue 401 Selby Avenue 838 Thomas Avenue Saint Paul,MN 55104 Saint Paul,MN 55102 Saint Paul,MN 55104 SiJNIlVIIT AV RES PRESERV Rep Andrew J Dawkins Summit Residential Pres LARRY D STARNS,PRES Minnesota Legislature Catherine Ballman,Pres 1950 SUMMIT AVE 371 State Office Bldg 506 Summit Avenue SAINT PAUL MN 55105 Saint Paul,MN 55155 Saint Paul,MN 55102 Aurora St Anth Blk Club Midway Chamber of Comm Cathedral Hill Merch Ron Pauline Executive Director Carl Nelson 770 University Ave W 1600 University Ave W#4 400 Selby AvBox Ofc Vid Saint Paul,MN 55104 Saint Paul MN 55104 Saint Paul,MN 55102 Ramsey Hill Association Senator Sandra Pappas LEXINGTON BRANCH Maryanne Lanick, Chair Minnesota Legislature LIBRARY 442 Summit Ave State Capitol G-24 1080 UNNERSITY AVENLTE Saint Paul,MN 55102 Saint Paul,MN 55155 SAINT PAUL MN 55104 Summit Univ Ping Cncl Executive Director District Planner RONALD J ZWEBER, CHAIR UNIVERSITY UNTTED LARRY SODERHOLM 468 HOLLY AVENiTE 1600 University Ave W#4 1100 City Hall Annex Saint Paul,MN 55102 Saint Paul,MN 55104 Northwest Sector Police Selby Area Com Dev Corp Editor Commander Bob Porter,Exec Dir Grand Gazette 615 W University Ave 741 Selby Avenue 757 S Snelling Ave Saint Paul,MN 55103 Saint Paul,MN 55104 Saint Paul MN 55116-2250 (which is the last l�own addresses of said person) and depositing the same, with postage prepaid, in the United States mails at Saint Paul, Minnesota. . ,/ ,,�G� TROY GILBERTSON Subscribed and sworn to before me this 1 st day of November, 1996, �(�`, � * CARRIE A. DEFOE • tJJ1�'V � �- ~ •: NOTARYPUBLIC•YINNESOTA Notary Public - RANISEYCOUNTN � : Ary Cwumialon Expnt J�n.a1.l000 . � EXHIBIT #4 -- - - _-- - --- ---- --- FOTICE OF PUBLIC S�AB�3i�G� � ' Carregcy Ezchaage Liceau Appl�at� , ��C�I _ oi Ramsey Flaancisl: lP S77 Uaivenity Aveane �,�—t��(_ "FIDAVIT OF PUBLICATION Saint Panl.�[iaaesota 6!f lOS _ jo Oifice oi Admiaistrative Sesriags on the behalf of the ' COUNCII.OF TSL CITY OF SAI1�T PAUL PLEASE TAKE NOTICE that testimoay wiil be taleen from interested persons, 3nctuding .those in the community �ith resgect to the a¢plieafion of duly Swoin, On Oath Says that he is the Ramsey.Financial to operate a currency exchange by-license tssued�•.underlOwII a.S thC St. Paul Legal Ledger and has Minn. srat. �5sn.a2. , �` Y ' ` [ch are stated below: Minn.Stat.�53A.04 regufres the approval or disapproval of the state application' h�the,gov$ mg bod .,affer Rt�blished notice a�id heairi�fg',within 60 days after �,ec��,of th�PPlic�tis�a. :-" . , ; , _ , � .. ,�mplied with all of the requirements �e siteaa�civ�:��axrd�t�ed°t�c �an �;d�}a�,strat�v� 1aw Jud�e.from the�al newspaper, as provided by Minnesota �a[�tea�t�� o��x�strt�x��8�aria�s.:�o��aLt,o��cr��-�ou�iaci�;.Q�.the:i other applicable laws, as amended. .��,�trf�`i?f�s`�8�tt��e��Tt�`�anchrecommendatior� for actioa, will be' ,�� c�esi tq��tty,Cbu��il"foi�'ts a�ion. pste of�Pn�ri�c �earing: Wednesdayr November6, Ysss c hearing which is attached was cut from Time: 8:3o a.�n. - :r and was printed and published once; it Locatioa of Pnblic Heariag: • y, the 30th day of October, 1996; and Ramsey eounty courthouse e lower case alphabet from A to Z, both Room 41, i,ower Levet cnowledged as being the size and kind of 15 West Kellogg Boulevard st. Paut, Minnesota 55102 ind publication Of Said notiCe: If you have any questions, please call ChrisEfne Rozek, Offi�e of License. inspections and Environmental Protection at 266-9108. ;hijklmnopqrstuvwxyz (October 30, 1996) Subscribed and swom to before me this 30th day of October, 1996 � BARBARA A.ST.MAfiTIN � NOTARY PUBLIC-MIWN'cSDTA DAKOTA COUNTY �� My Comm.Expiros Jan.31,2000 ■ • Rate Information (1)Lowest classif'ied rate paid by commercial users for comparable space is$N/A. (2) Maximum rate allowed by law for the above publication is$56.07. (3)Rate actually charged for the above publication is$48.76. EXHIBIT #5 �.��.�'r.-��. F' c: i�� "<��-�� l�C.L \�� . 'T:;; 53A.01 CliRRE\C1'EXCHA\CES 1288 �:�� "� CHAPTER 53A �� ,��_- : �, r�: ��, ' � �' �;; CURRENCY EXCHANGES �.. � y` 53A.01 Definitions. 53A.07 Filing of fecs;unreasonabte fces. --•: �`; 53A.03 License. 53A.08 Bond. _ 53A.03 Application for l;:;ase;fees 53A.031 Annual report and investigations. 53A.04 Approval or dr,.iJ of an 53A.09 PoNers;limitations;prohibitions. �' application. 53.4.10 Violations. ^- 53A.05 Change of nane,cy:�ership,or 53A.11 Books of account;annual report. ' location. 53AJ 2 Rules. .�-` 53A.06 Fine,suspensie�.or re�ocation of 33.�1.13 Fee noticr,faise ad�•enisin¢; � " license. penalty. • - �1. �°'` 53A.01 DEFI\TTIO\S. .�=. `'` Subdivision 1.Currenc�•exchange."Currency exchanee"means any person,except r �,: a bank, trust company, savings bank, savings and loan association, credit union, or industrial loan and thrift company, engaged in the business of cashing checks, drafts, _ money orders, or tra�•elers' checks for a fee. "Currency exchange" does not include a _ person who provides these services incidental to the person's primary business if the - _ charge for cashing a check or draft does not exceed 51 or one percent of the �•alue of _ the check or draft, whichever is ereater. `= Subd. 2. Commissioner. "Commissioner" means the commissioner of commerce. - Histon�: 1989 c?47 s 1 `=' S3:�.02 LICE\SE. ,;: - ' Subdi�•ision 1.Requirement..�person ma��not eneaee in the business ofa currency exchange without 5;st obtaining a license from the commissioner. Not more than one place of business may be operated under the same license, but the commissioner may issue more than or,e license to the same licensee upon compliance by the applicant with °. all the provisions of this chapter for each new license issued. �t Subd. 2.Distance limitation.No license ma}•be issued or renew•ed under this chap- x ter if the place of bLSiness to be operated under the license is located or proposed to :' be located within one-half mile of another ]icensed currency exchange. The distance �i "' limitation imposed by this subdi��ision is measured by a straight line from the dosest �II #' paints of the c]osest structures invol��ed. Subd. 3.Prohibition.,4licensee may not contract with another person or business entity to manage the currency exchange business. This subdi�•ision does not prohibit the licensee from employing persons to operate a currency exchange facility. - History: 1989 c Z47 s 2; 1992 c 504 s 2 - 53A.03 APPLIC:�TION FUR LICE\SE; FEES. l RV��EG1I�� S� �f�P�d-G�� (a) An application for a license must be in writing, under oath, and in the form prescribed and furnished by the commissionerand must contain the follow�ing: (1) the full name and address(both ofresidence and place of business)ofthe appli- . cant, and if the applicant is a pannership or association, of every member, and the name and business address if the applicant is a corporation; (2) the county and municipality, with street and number, if any, of all currency - exchange locations operated by the applicant; and (3) the applicant's occupation or profession,for the ten years immediately preced- ing the application; present or previous connection with any other currency exchange `;. in this or any other state;whether the applicant has ever been convicted of any crime; and the nature of the app}icant's occupancy of the premises to be licensed; and if the , applicant is a partnership or a corporation,the information specified in this paragraph '� must be supplied for each panner and each officer and director of the corporation. If �,, �: EXHIBIT #6 ! .'� � �� izs9 C�RRE�CY E\CHA.\CES 53A.05 � � the applicant is a partnership or a nonpublicly held corporation,the information speci- fied in this paragraph must be required of each panner and each officer, director,and stockholders owning in excess of ten percent of the corporate stock of the corporation. � (b) The application shall be accompanied by a nonrefundable fee of 52�0 for the l review of the initial application. U on a license fee of�50 must be aid b p pproval b}• the commissioner, an additional �.` i P y the applicant as an annual license fee for the remain- � der of the calendar year.An annua!license fee of$�0 is due for each subsequent calen- � dar year of operation upon submission of a license renew•al application on or before j1 December ]. Fees must be deposited in the state treasury and credited to the genera! � fund. Upon payment of the required annual license fee, the commissioner shall issue � �: i a license for the year beginning January 1. �. (c) The commissioner shall require the applicant to submit to a background inves- { tigation conducted by the bureau of criminal a } As part of the background investigation,the bup au of criminal acondition of]icensure. ;: duct criminal history checks of Minnesota records and is authori ed to exch nge fingen- � prints w�ith the Federal Bureau of lnvestigation for the purpose of a criminal i. �. background check of the national files. The cost of the in�-estigation must be paid by � the applicant. � (d) For purposes of this section, "applicant" includes an emplo�•ee who exercises man2gement or policy control o��er the company,a director,an of�er,a limited or gen- era]partner,a manager,or a shareholder holding more than ten percent of the outstand- ing stock of the corporation. _ � - Histon�: 1989 c 247 s 3; 199?c�04 s 3 - 53.�.Oa :�PPRO�:�.I, OR DE\L�L OF,�\.�ppLIC.�TIO\. (a) «'ithin 30 da��s after the receipt of a complete app]ication, the commissioner `� shall deny the application or submit the application to the go.•erning body of the]ocal i unit ofgo�•ernment in w�hich the applicant is located or is proposing to be located.The �� commissioner ma}•not appro��e zhe application w�ithout the concurrence of the govem- ing body. The go��erning body shall gi�•e published notice of its intention to consider ' the issue and shal] solicit testimony from interested persons, including those in the community in w�hich the applicar.t is located or is proposing to be located.If the go��ern- � ing body has not appro�•ed or disappro��ed the issue w�ithin 60 da}�s of receipt of the application,concurrence is presumed. The commissioner must a �= the application a�ithin 30 da��s from receiving the decision of the go�ernin body IThe � go��erning body shall ha�•e the sole responsibilit}• for its decision. The state sha11 ha.•e ` no responsibility for that decision. r; (b) If the application is denied, the commissioner shall send by mail notice of the r denial and the reason for the denial to the applicant at the address contained in the `�. application. If an application is denied,the applicant may,w•ithin 30 da}�s of recei�ing ` the notice of a denial,request a contested case hearin t; that if the denia] is based upon the refusal of the governUng body to c ntcur he gov erna � �. ing body must afford the applicant a hearing. The applicani shall ha�-� no right to the �= hearing pro�•ided for in this section if the denial is based upon the governing body's '� refusal to concur but shall have a hearing before the go�•erning body. �: (c) This section applies to initial applications and renewa! applications. �: (d) The state shall ha�•e no responsibility for the action of the go��erning body. �.. Histor�•: 1989 c 247 s 4; 1992 c SO4 s 4 � x. 53A.05 CH.�.tiGE OF N.411E, ONN£ItSHIP, OR LOCATION. Subdivision 1.Name or location.If a licensee ro oses t � tion of any or all of its currency exchanges, the lic nsee shall file an appl cat�ionfor approval of the change w•ith the commissioner. The commissioner shal] not approve a change of location if the requirements of sections 53A.02,subdivision 2,and 53A.04 have not been satisfied. If the change is approved by the commissioner, the commis- .- �. '�*-.— _ �. :.�` Y',��,,;A � ' � � �� :;: �� LP ..��,:. -..;�w�;xj; 53A.05 CCRRE�CY EXCHA.�GES I?90 ' ��,:._ ��_ _ -� �`'. sioner shall issue an a=nended license in the licensee's new name or location.A 550 fee � � z� must be paid for the amended license. s �.�..�: �. Subd. 2.Ow•nership.The licensee shall notify the commissioner 30 business days _+,' in advance of any cl;ange in ow•nership of the currency exchange. The commissioner may revoke the currency exchange license if the new ownership would have resulted _ � =�;' in a denial of the initial license under the provisions of chapter 53A. Histon•: 1989 c?y7 s S; 1992 c 504 s 5 .�,; 53a.06 FI\E, SL'SPE\SIO`, OR RE�'OC:�TIOV OF LICE\SE. �- (a) The commissioner may suspend or revoke any license under section 4�.027 if the commissioner finds that: (1) the licensee has failed to pay the annual license fee or to maintain in effect the required bond or to comply with any order, decision, or finding of the commissioner under Law�s 1989, c'r.apter 247; (2) the licensee,or any officer or director of a corporate licensee,has violated any � provision of Laws 1 S's9, chapter 247, or any rule or order of the commissioner under � this chapter or chapter 4�; ��; (3) the licensee,or any officer or director of a corporate licensee,has violated any other ]aw w•hich w•ould indicate that the person is untrustw•onhy or not qualified to �= operate a currency exchanee; or _ (4) any fact or condition exists w�hich, if it had ezisted at the time of the orieinal or renewal applicatien for the license,w�ould have w�arranted the commissioner refusing the issuance of the license. , '� (b) �license ma��not be re��oked until the licensee has had notice ofa hearing pur- , suant to the pro��isions of chapcer 14. (c) A licensee m.a�•surrender any license by delivery to the commissioner.The sur- render does not affect the licensee's ci�•il or criminal liability for acts committed before the surrender, or a=ect the liability on the bond required by this act, or entitle the licensee to a return of any part of any license fee. (d) Before suspension or re��ocation of the license, the commissioner ma�• fine a licensee for �•iolations of Law�s 1939, chapter 247, as authorized under chapter 45. Histon�: 1989 c ?a7 s 6 53A.07 FILI\G OF FEES; L\�2EASO�iABLE FEES. � Subdi��ision 1.Appro��al of fees.Fees chareed at each location for check cashing ser- vices must be filed with and approved by the commissioner. Subd. 2. :�mendment of fees. A ]icensee may amend its fees at any time by filing the proposed amendments w•ith the commissioner. The application for amendment _ shall be in w�riting,under oath,and in the form prescribed by the commissioner.A fee of 5�0 shall accompany the application. The commissioner shall approve or deny the application 60 da}s after the filing of a complete application to amend its fees. Subd. 3. Standards; unreasonable fees prohibited. The commissioner may disap- pro�•e the fees filed b}•a currency exchange if they are not fair and reasonable.In deter- mining whether a fee is fair and reasonable, the commissioner shall take into consideration: (1) rates charged in the past for cashing of checks by those persons and organiza- tions providing check cashing services in the state of Dfinnesota; (2) the income,cost,and experience of the operations of currency eYChanges exist- ing prior to this enactment or in other states under similar conditions or regulations; � (3) the amount of risk involved in the type of check to be cashed and the location where th�eurrency exchange operates; (4) the general cost of doing business,insurance costs,security costs,banking fees, and other costs associated with the operations of the particular currency exchange; ;; . y_� . • � ` ' � �� .� \ �.�� '' � �,�:� .�= � ��9� CCRRE\C1'E\CHA.VCES 53A.11 - (5) a reasonable profit for a currency exchange operation; and (6) any other matter the commissioner deems appropriate. ' The commissioner shall set a separate rate, consistent w�ith the abo�•e standards, for '� checks issued by a government entity in an amount up to 5�00 to be cashed by a cur- " rency exchange. History: /939 c 297 s 7 53�.08 BO\D. �� Before a]icense may be issued to a currency exchange,the applicant shall file annu- �- ally with and have appro�•ed by the commissioner a surety bond, issued by a bonding 5; company authorized to do business in this state in the principal amount of$10,000. _= The bond must run to the commissioner and is for the benefit of creditors of the cur- � rency exchanee for liability incu�ed by the currency e�change on money orders issued or sold by the currency exchange, for liability incurred by the currency exchange for sums due to a pay�ee or endorsee of a check,draft,or money order left w�th the currency exchange for collection, and for]iability incurred by the currency exchange in connec- tion w�ith pro��iding currency exchange services. The commissioner may require a licensee to file a bond in an additional amount if the commissioner considers it neces- sary to meet the requirements of this section. In determining the additional amount of '• the bond w•hich may be required, the commissioner ma�•require the licensee to file its financial records,including all bank statements,penainir.g to the sale of money orders - for the preceding 12-month period. In no case may the bond be ]ess than the initial 510,000 or more than the outstanding liabilities. Historv: 19s9 c 247 s 8; 1992 c�04 s 6 - 53.�.081 A\\UAL REPORT:�\D I\�`ESTIGATIO�S. , Subdi��ision 1.Annual report.On or before�farch 1, a licensee shall file an annual repon w�ith the commisSioner for the pre�•ious calendar�ear. The repon must contain information that t�e commissioner may reasonably require concerning, and for the purpose of examinine,the business and operations of each 1•.censed currency exchanee. Subd. 2. In��estigation.The commissioner ma}•at aa}�time and shall at least once � in each}ear in�•estieate the currencp exchange business of an}•licensee and of e��ery per- i- son, partnership, association, and corporation engaged in the business of operating a currency exchanee in the manner pro��ided under section 45.027. Subd. 3. Fees and expenses.The]icensee shall pay tne costs of an examination or �°. in��estieation in the manner pro��ided under section 60.�.03, subdi�ision 5. x: Hisiory: 199Z c.iO4 s 7 � 53.�.09 PO«'ERS; LI�IITATIO\S; PROHIBITIO\S. L A currenc}�exchange may not accept mone��or currenc}�for deposit,or act as bailee r;- or agent for persons, firms, pannerships, associations, or corporations to hold money � or currency in escrow for others for any purpose. How�e��er, a currency exchange may - act as agent for the issuer of money orders or travelers' checks. � Histon•: 1989 c Z�7 s 9 �. L s3:�.io �'IOL�TIO\S. � Any person,firm,association,partnership,or corporation that violates Laws 1989, chapter 247, sha11 be guilty of a misdemeanor. Histor�•: 1989 c 247 s 10 53A.11 BOOKS OF ACCOUl`TT; Ati\UAI.REPORT. The licensee shall keep and use in the licensee's business the books,accounts,and records that w•ill enable the commissioner to determine w•hether the licensee is comply- ing with the pro��isions of Laws 1989, chapter 247, and wzth the rules adopted by the ~;,,�.�..-�;;��y"^"�r_ .F-�-��.-�- �_ � ��r 4�-a�.�r �a:.::4. ''Z`'�'...�"~.'.'�r.��.`�r-'� '�7�:�..�xli.n:",,..;.�,s�"+� . ��r el4:s'�.`5.4`��"._�„-^'.�d..�. `Q"�� .,r6�r`�;�'� IY _,�t;`'�- ��1J� \�� \1C � �•�='==`-. 53A.11 CliRRE\C'1'EXCI-L�.\GES �Z92 � f ��,.-.�z _�. � ��r: commissioner. A licensee shall preserve the books, accounts, and records for at least = �,: _, y .w t�;,. two years after making the final entry. ,� - ��' �--�- _ History: 19�9 c 247 s I1 � ii' . �"��_' S3A.12 RULES. .��..�� g-s' The commissioner may adopt rules under chapter 14 as may be necessary to - administer and enforce this chapter. . - History: 1989 c 247 c 12 _ ..�;� ,�.�=: �. :-�- ��' S3A.13 FEE\OTICE; F.�I,SE AD��RTISING; PEN.�I,TY, �' Subdivision 1. Fee notice. The fees charged by currency exchanges for rendering - �•'�== any service authorized by this act must be prominently displayed on the premises of 4-LL^ the currency exchanee in the fashion required by the commissioner. ,� '��°= Subd. 2. False adr�ertising. .4 licensee may not advertise, print, dis ]ay _ _ p , publish, - distribute, or broadcast any statement or representation that is false, misleading, or � '� -- deceptive, or that omits material information. - }- Subd. 3.Ci��l liabilih;penalh�.A person w•ho violates any subdi�•ision of this chap- � ter is liable to the person damaged b}•the violation for actual damages.The court may - ��: award reasonable attorney fees and costs. History: 1989 c 297 s 13 � �� 53A.14 [Repealed, 1992 c 504 s 8) , �:; .} -$. ; :� I �, x f 4 . ilr �� ___.__.______ _ . a q�� 169 CL'RRE\Cl'E\CHA�GES 53.4.03 ! i ' CHAPTER 53A ; I' CURREi�'CY EXCHA�GES 53A.03 Appliriion for license;fees. 53A.03 APPLICaTION FOR LICE\SE; FEES. (a) .4n application for a license must be in w�riting, under oath, and in the ;orm prescribed and furnished by the commissioner and must contain the following: (1) the full name and address(both of residence and plzce of business)of the appli- cant, and if the applicant is a pannership or association, of e��ery member, and the name and business address if the applicant is a corporation; (2) the county and municipality, w�ith street and n��ber, if any, of all currency exchanee ]ocations operated by the applicant; and . (3) the applicant's occupation or profession,for the ten�•ears immediatel}�preced- ing the application; present or pre�•ious connection ��ith 2ny other cu�ency exchanee in this or any other state;w�hether the app]icant has e��er been con��icted of any crime; and the nature of the applicant's occupancy of the prem;ses to be licensed; and if the applicant is a pannership or a corporation,the information specified in this p2ragraph must be supplied for each panner and each of�icer and di;ector of the corporation. If , the applicant is a partnership or a nonpublicly held corporz;ion,the information speci- fied in this paragraph must be required of each partner aad each officer, director, and stockholders ow�ning in excess of ten percent of the corpo;ate stock of the corporation. (b) The application shall be accompanied by a non;e,''undable fee of 5250 for the review of the initial application. L pon appro�•al by the co:nmissioner, an additional license fee of 550 must be paid by the applicant as an annual]icense fee for the remain- der of the calendar��ear..4n annua]license fee of��0 is due for each subsequent calen- dar year of operation upon submission of a license rene��al application on or before September 1. Fees must be deposited in the state treasur��and credited to the general fund. Upon pa��ment of the required annual license fee, the commissioner shal] issue a license for the ��ear beginning January 1. (c) The commissioner shall require the applicant to submit to a background in�•es- tigation conducted by ihe bureau of criminal apprehension as a condition of licensure. As part of the background in�•estigation,the bureau ofcrim;nal apprehension shall con- duct criminal history checks of'�linnesota records and is authorized to exchange finger- prints with the Federal Bureau of Jn��estigation for the purpose of a criminal background check of the national files. The cost of the in�•estigation must be paid by the applicant. (d) For purposes of this section, "applicant" includes an emplo��ee v��ho exercises management or policy control o�•er the company,a director,an officer,a]imited or gen- eral partner,a manaeer,or a shareholder holding more than ten percent of the outstand- ing stock of the corporation. Histor�•: 1993 c 3S4 s 1 � - �+�'� � -- - F_ -. . - .'.� . . .._ ..:.._..___"' .. ., ... . �.,._.._. _ _ _ _----.-----.---- .. - .- OFFICE OF LK'ENSE.[NSPECTIO�S.-�.�I) - . _ _ . ._ ' 1 �'�'tol��srw.. �_n ��czv'r�� .'��.u' Rnherr{,'e� a� D�rector ��\` l �� _ ___ . _... - . _ _ _. .._ ---.— - --- �.� ---- t`y�-�-y r-- t�r•.. {� -- # : C1TY OF SAINT PAUL (�r �y� .� Ra n�� Rr�FES,s�m,��.-�r. r��•�,�� ,�- r, -�,,.�,,,,; Vorm C'olemnn.:19a)�o�. J''.° Li's� v � �S:l �J/�}�(; ' � (?�C.�nr,��_ 61 Fi�_'ilr�„ .Stute3pp f,l'_ ff �:'-'= �^ J ` � � -:! �, i i�'��St.Peter Street IJ 'h ;"" � SaintPnul.�L(lnneso[n .i5l02-1�10 �IL�r51��,i:-. �J • Y�� October 29, 1996 Gary Dachis 12111 Golden Aere Dr. Minnetonka, MN 55305 - - - Re: Cunency Exchange License Application Dear Mr. Dachis: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notification from the Minnesota Departrnent of commerce of your currency exchange license application for the Unbanl: Company located at 467-469 St. Peter Street, St. Paul, MN 55102. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November 6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presented to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). � , - -- : - _ .__._� _ _ _._ - �.�\ ��.� For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Sincerely, � �;�,�� Troy�Gilbertson, License Enforcement A�iditor Enclosure cc: Virginia Palmer, Assistant City Attorney � , . _ _ __ _ _ -,.. __ _ _ _ _. . . __ . .. �__ - _.._. ___ . .__ _ ._. .. __ _ OFFICE OF UCGNSE.INSPEGTIO\,S a;�U- .- .-.. . .-.. _ -.. _ ._ " _ A_....._....___..._._...""`""'EV'G�C1��,C'C _1'E�'I':�.t'PRO'T'E , .._.__ .___..,_- --- RobertKessler.Directa- ^ �_\�� C� CITY OF SAINT PAUL LOGVRY PROFESS/O:V.4L Telephone:612-?66-909U Nor�n(.'nleninn,,A�Iayor BU/LDING Facsunile: 612-266-9099 Sidte 300 612-266-9I24 350 St.Peter Street SaintPaul,iLfrnnesota 55102-I510 �� October 29, 1996 Stuart Tapper 9905 St. Johns Road Minnetoiil:a, MN 55305 Re: Currency Exchange License Application Dear Mr. Tapper: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notification from the Minnesota Department of commerce of your cunency exchange license application for the Unbank Company located at 467-469 St. Peter Street, St. Paul, MN 55102. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November 6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presented to which you wish to respond. The Saint Paul L,egislative Code Section 381.02(c) directs the license applicat�t to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). _ _ _ __ _ �b,--�,'�.�c�� . For your eonvenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Si�icerely, � � �'�.�� Tro �ilbertson Y � License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney � - -- - - �' - - OFFICE OF UCENSE.[�ISPECTIUNS:�.\D _ ' _ _ : ...._ __ - __ __ _-- - ___....... --.-,^--=_._ ..._.Eli VLRC�N�tENT.AI.-PROT.ECTIQ� . _ . . - . -- _ ._ Robert�esslu.U�rector ��`�.�.� CITY OF SAINI' PAUL i.i��,_�.�.��F�.:i:�n 7.•�.•��,,,�� ,,,.,�.,,.�,,,,,. ,�orm C�olen;an.;1lcryor /.\.C('(?('77[l.\;S _ __ I��rt:.ini�lu�G/: '/,I�.�); >>0 St.f'eter SU uet Slute 300 Sa�ntPaul,Minnesota SSlO? �� NOTICE OF PUBLIC HEARING Currency Exchange License Application of the Unbank Company 467-469 St. Peter Street Saint Paul, Minnesota 55102 Office of Administrative Hearings on the behalf of the COUNCIL OF THE CITY OF SAINT PAUL PLEASE TAKE NOTICE that testimony will be taken from interested persons, including those in the community with respect to the application of the Unbank Company to operate a currency exchange by license issued under Minn. Stat. §53A.02. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the governing body, after published notice and hearing, within 60 days after receipt of the application. The hearing will be conducted by an administrative law judge from the Minnesota Office of Administrative Hearings, on behalf of the Council of the City of Saint Paul. His or her report, and recommendation for action, will be forwarded to the Council for its action. Date of Public Hearing: Wednesday, November 6, 1996 Time : 8:30 a.m. Location of Public Hearing: Ramsey County Courthouse Room 41, Lower Level 15 West Kellog Boulevard St. Paul, Minnesota 55102 If you have any questions, please call Christine Rozek, Office of License, Inspections and Environmental Protection at 266-9108. . �. �� .�� Ch�pter 381. Currency Exch�n�es Sec. 381.01. State license required; detinition. No person shall engage in the business of a currency exchanae in Saint Paul �-vithout a license as provided by Minnesota Statutes Chapter S;A. y (C.F. No. 94-46, fi 2, 2-2-94) Sec. 381.02. Procedures; helring; fee. (a) Procecfra•es. Upon receipt of a completed application from the commissioner of commerce for either a new license or the renewal of an existing license, the matter shall be referred to the office of license, inspections and environmental protection for initiation of a hearing as required by state law within the period allowed for the response of the governing body. The hearing shall be for the purpose of taking testimony from interested persons, including those in the community in which the applicant is located or is proposing to be located, as required by law, and upon grounds or issues as to which notice has been given in accordance with the requirements of sections 310.05 and 310.06 of the Legislative Code. The said office shall publish and give notice as required by law. (b)Hea�"1i1�,>. The hearin� shall be held before an independent hearing examiner in conformity with the provisions of sections 310.05 and 310.06 of the Legislative Code, and the rules of the office of administrative hearin�s, to the extent such n�les are not in conflict with sections 310.05 and 310.06. (c)Fee; costs. The applicant shall pay, within fifteen (15) days following receipt of the application by the city, a fee covering the costs of administering and processing the application in an amount to be established in conformity with the procedures in section 310.09(b) of the Legislative Code. The applicant shall also reimburse the city, within fifteen (15) days following action by the city council on the application, for its costs in conducting the hearing or hearings prescribed by state law, including publication costs and the cost of the administrative proceedings and hearing before an independent hearin; examiner. (C.F. No. 94-46, § 3, 2-2-94) Sec. 381.03. Grounds for disapproval, etc. (a) I)i.s•appro>>al. The council may by resolution disapprove an application and, if so, shall state therein its reasons for so doin�. lt may adopt in whole or in part tl�e findin�s of fact and conclusions of law of the independent hearin� examiner and may ai��end the same to conform t� its decision on the record and the testiinon_y. Notice of the disapproval may be communicated tc� the commissioner of commerce before the et�ective date ot�any such resolution where necessary to avoid a presumption of concurrence. _ _ _ . ��-�� (b) Grounds for ci'isapproval. Disapproval of an application may be based on one (1) or more of the following grounds, in addition to any other ground allowed by law: (1) Violation of any provision of the state currency exchange law contained in Chapter 53 A. (2) Any one (1) or more of the reasons, conditions, or standards for adverse action under section 310.06 of the Legislative Code. (3) Failure of the applicant to pay the city fee and costs prescribed above. (4) (i) The location of a new cuTrency exchan;e as proposed would cause " significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. Such anticipated effect must be shown by clear and convincing evidence. (ii) The existing currency exchange has caused significant adverse consequences or impacts upon the neighborhoods within three hundred (300) feet of the exchange. (5) Failure of the applicant to agree to reasonable conditions upon the operation of the business in accordance with the procedures in section 310.05 and the grounds of 310.06. Such conditions could include, but are not limited to, hours of operation, off-street parking rec�uirements, bonding in an amount greater than that required by state law, and annual audits at the licensee's expense. (6) The applicant is not of good moral character and repute and/or is unfit to operate such a business. (7) The applicant is not at least eighteen (t 8) years of a�e. (8) The applicant is not the real party in interest in the application. (9) The location of the business for which a new currency exchange license is sought is within one-half mile of an existing currency exchan�e licensed by the state. (10)) The applicant or its proposed business location does not comply with applicable zoning, buildina, fire and health codes. (c)Persons and corporations. If an applicant is a partnership, the application may be denied if there is a basis for denial as to any partner. If the applicant is a corporation, the application may be denied if there is a basis for denial as to any (i) shareholder holding more than five (5) percent of the outstanding or issued stock of the corporation, or (ii) officer or director of the corporation, or (iii) employee of the enterprise having policy or manaaement control over the enterprise. _ - _ _ � - � . -- ��\`-��.1�. (C.F. No. 94-46, § 4, 2-2-94) Sec. 381.04. Definitions. The following words and/or phrases shall have the following meanin� ��hen used in this chapter and in Chapter 310 of the Le�islative Code (a)Applrccrnt. The term "applicant" includes persons, partnerships, tirms and corporations and all other forms of business ventures. It also includes employees who exercise manajement or policy control over the enterprise, general and limited partners, shareholders of more than five (5) percent of the outstanding or issued shares of a corporation, and corporate manajers, officers and � directors. (b)Application. The term "application" includes applications for both new and renewal licenses. (c)Lzcense. The term "license" refers to the state currency exchange license provided for in Minnesota Statutes Section 53A.02. (d) Cur•rency exchange. The term "currency exchange" is defined in Minnesota Statutes Section 53A.01, subdivision 1. Currency exchange means any person, except a bank, trust company, savings bank, savings and loan association, credit union, or industrial loan and thrift company, engaged in the business of cashing checks, drafts, money orders or travelers' checks for a fee. Currency exchange does not include a person who provides these services incidental to the person's primary business if the charge for cashing a check or draft does not exceed one dollar ($1.00) or one (1) percent of the value of the check or draft, whichever is greater. (C.F. No. 94-46, § 5, 2-2-94) � - -OFFICE OF LICENSE,[NSPECTIONS A\9 -' " .�_. _._._.....�....._......-- ------.__�._.:._._._�'VIR�hti[Eti'Tf�P � Robert Kessler,Director �� \�� CITY OF SAINT PAUL LOWR}'PROFESSIONAL Telephone:6/2-266-90>�/ :'Vorm C'oleman.A9��yor BUILDlNG �acsrmUe: 6!?-?66-9�i99 Suite 300 6l?-366-9/?-I 3 i 0 St.Pe ter.Cu eer Smn�Pnnl.l l+rirrc.cofu ??1(/_'-!51(I �ir Uctober 29, 1996 Michelle Yeske 319 Earl Street St. Paul, MN 55106 Re: Currency Exchange License Application Dear Ms. Yeske: The City of Saint Paul Office of License, Inspections and Environmental Protection has received notification from the Minnesota Department of commerce of your currency exchange license application for the Unbank Company located at 467-469 St. Peter Street, St. Paul, MN 55102. Minn. Stat. §53A.04 requires the approval or disapproval of the state application by the local governing body after published notice and hearing. The hearing will be conducted by an administrative law judge on behalf of the Council of the City of Saint Paul. The hearing will be held Wednesday, November 6, 1996 at 8:30 a.m. in the Ramsey County Courthouse, room 41, 15 West Kellog Boulevard, Saint Paul, Minnesota. Your attendance at this hearing is extremely important, especially if any adverse testimony is presented to which you wish to respond. The Saint Paul Legislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the currency exchange application. The fee for this application is $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reunburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). ��U-: 1 "�� For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Christine Rozek at 266-9108. Sincerely, �p �� ,.��,�� / � Troy Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney