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96-1497 �A , g , � ,, � Council File # ` �� `� i ' -` � �' �' ` .`"� ` " �` ` • ~-- Ordinance # Green Sheet # ��\� , RESOLUTION CIT SAINT PAUL, MINNESOTA � Presented By � Referred To Committee: Date RESOLVED, that t e currency exchange license application by Gary Dachis, Stuart Tapper and Michelle Yeske d.b.a. Unbank Company for the premises located at467-469 St. Peter Street in Saint Paul, is recommended for approval. Minnesota Statute section 53A.04 requires the approval or dieapproval of the state application by the local governing body. This resolution 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 this 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. Inspections and � —�— Fnvironmental Protection Guerin —7 � � � �/�° – Adopted by Council: Date Q r.-e__ �-�I , �`�`�o B�'' Adoption Certified by Council Secretary Fonn Approved by City Attorney B � � a � � y� T By: Approved by Mayor: Date � �3 �� Approved by Mayor for Submission to BY: Council , By: OFFICE OF LIEP DNovember �8, 1996 GREEN SHEET N° 3 5181 ��y�� ecember 4, 1996 1 EPARTMENT DIRECTOR 3 ITY COUNCIL ITY ATTORNEY ITY CLERK st be 011 C�L1I�.C.'11 Agenda by: UDGET DIRECTOR FIN. & MGT. SVC. DIR. p,p YOR (OR AS3ISTANT} OTAL # OF SIGNATQE�S PAGS3 1 (CLIP ALL LOCATIONS FOR SIGNATURB) CTION REQUSSTED: Approval of currency exchange license renewal of Unbank ompany located at 467-469 St. Peter Street, Saint Paul. C�NDATIONS: APPROVE (A) OR REJECT (R) BHRVICi CCq'li�t.3S 1Q8T 111iSN6R '1'� �'OLLONIN6: PLANNING COI�II�IISSION CIVIL 3ERVICE C0�lISSION 1. Has the person/firm ever worked under a contract for this department? CIB COlTlITTEE _ BUSINESS REVIEW COUNCIL YES NO STAFF _ . Has this person/firm ever been a City employee? DI3TRICT COURT _ YES NO . Does thls person/firm possess a skill not normally posses�ed by any UPPORTS HHICH COUNCIL OBJECTIVE7 Current City �pployee7 YES NO all YiS ans�nr� on a �rpasat.� shNt and attaah. INITIATING PROBLEM, ISSUE, OPPORTUNITY (Who, What, When, Where, Why) : VANTAGES IF APPROVED: nbank Company will continue to operate. ISADVANTAGES IF APPROVBD: one. ISADVANTAGES IF NOT APPROVED: TAL AMOUNT OF TRANSACTION S COST/RBVENUE BUDGETED YES NO FUNDING SOUR.CB ACTIVITY NtJN�ER FINANCIAL INFORM�TION: (EXPLAIN) � 1��.'#! �tf�' ��tJ 2 � 19�6 � °� `2'��1,^1 60-21 1 1-10801-3 STATE OF MINNESOTA OFFICE OF ADMINISTRATIVE HEARINGS • FOR THE CITY COUNCIL OF THE CITY OF ST. PAUL In Re the Currency Exchange License Application of Unbank Company, FINDINGS OF FACT, 467-469 St. Peter Street CONCLUSIONS AND Saint Paui, Minnesota 55102 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 ciosed 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, r o 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: � � � 1�R� 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 tF.•� 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 t �(,�-\�-�c�� 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, �� ' / , _, �� .�Z,�� . John W. Harrigan �-, Administrative Law J dge NOTI � 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 � � � . - - • - - = OFFiCE OF LICENSE,INSPEGTIONS A.VD- - �_- -- �v__._.�.. .._.M:_ ...,,......_._..._ ._ ___.._�.�..,. ____<.....,.. .- _ .__.;.<::�. �. _. . _.,. , _.. ..--E1�VIRONMEilTAI:PRA�IO�i--".�.........�..,..�..v.......�,..._�__.._..,_,�r..:.�.: Rohertke.rs(er,U�rector � �� `�� CTTY OF SAINI' PAUL r.,r��,:�.eF�.a:vi� i«i.-,��,�,,,�- �,,�-��,,.�;�,,,; ,ti'orm(.'ole�rian.;lln}'or l.�'.C'/'F_('TI�I:�;S 1•'a�,��ulr:i�!'-_'i��,.��;_� �i p,Se f'erw�.Streer S��i re.i 00 Sarnt Pau1,A�finnesota 55102 �� 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. �� c��--�`t�� Chapter 381. 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-Z-94) Sec. 381.02. Procedw�es; hearing; fee. (a)Prvice�'ures•. 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)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; co.sts. 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 3 10.09(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)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. _ _- . ._ _: _ ��—� `�.-l�� (b) Grrrrcnc�s for disczpproval. Disapproval of an application may be based on one (1 j or more of the following �rounds, in addition to any other �round allowed by law: (1) Violation of any provision of the state currency exchange law contained in ChapteT- 5 3 A. � (2) Any one (1) or more ofthe 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 310.0� and the grounds of 310.06. Such conditions could include, but are not limited to, 1lours 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) Pe��sorrs crnc�car�orcztioru�. 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 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 chapter and in Chapter 310 of the Legislative Code. (a)Applicartt. The term "applicant" includes persons, partnerships, firms and coi-porations 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 outstandin� 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) Currency 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) ia CTTY OF SAINT PAUL �� \�� INTERDEPARTM�NTAL MII�ZORANDUM DATFs: 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. � � � �� 60-21 1 1-1 0801-3 STATE OF MINNESOTA OFFICE OF ADMINISTRATIVE HEARINGS FOR THE CITY COUNCIL OF THE CITY OF ST. PAUL In Re the Currency Exchange License Application of Unbank Company, FINDINGS OF FACT, 467-469 St. Peter Street CONCLUSIONS AND Saint Paul, Minnesota 55102 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, not 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: ��--\��1 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 . , . ��-\`-��.�1 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, °;�' , ,, � � ��*� ,�.Z� John W. Harrigan G . Administrative Law J dge 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 STATE OF MINNESOTA ��c�� ;'��iuo��••. 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. 60-2111-10801-3 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 o�cial 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, � � Nancy M. 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 c��--��.��1 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 467 St. Peter Street St. Paul, MN 55102 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 Publi y� wiui�nn�.wwi.�r NOTARY PUBLIC•MMNE�OTA My Com�bn 6Wrs�M,�t.7000 r � ^ `� \�� CITY OF SAINT PAUL Norm Coleman, Mayor ADMINISTRATIVE LAW HEARING IN THE MATTER OF THE LICENSE APPLICATION OF UNBANK COMPANY AT 467-469 ST. PETER STREET SAINT PAUL, MINNESOTA 55102 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.). ��\ '"l�� STATE OF MINNESOTA ) ) ss . A�FIDAVIT 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, NII�T 55305 Michelle Yeske 319 Earl Street St. Paul, NIN 55106 (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. / ,��G*"'�'^�i ROY GILBERTSON ,��^ s KAREN KAYOLSON Subscribed and sworn to before me NOTAAfiYYPU�IG#�NI�OU this ist day of November, 1996 . l.hjCommi�sbnEpira,pn.31,2000 h�nnn�,s�+t�+an� � � a Notary Pub ic �ar�,,� ,�y, O/soh P��✓ i�3//�.000 EXHIBIT #2 � OFFICE OF LICENSE,INSPECTIONS AND ENVIRONMENTAL PROTECTION � Robert Kessler.D�rector ��\��, C11Y �F SL-111V 1 1-AVL LIC��E,�JSE,4NU lelephone /�1_'-?�G_<�lnn Norm Coleman.Mayor IIJSPF_C77O.NS l��acsmulc:f/'-_G�-')1_'� 350 St.Peter Street Suite 300 Saint Paul,Minnesota 55102 � 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 wil� 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 ��-��.-1 STATE OF r�IINNESOTA ) ) ss. AFF�I?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 attached Notice of Hearing on the following named person by placing a true and conect copy thereof in an envelope addressed as follow: Rep Andrew J Dawkins Lowertown Redev Corp Minnesota Legislature Ezecutive Director 371 State Office Bldg 175 E Sth Street�750 Saint Paul, MN 55155 Saint Paul,MN 55101 Downtown Comm Dev Cncl District 17, Chairman MARY NELSON,CO Jim Miller 445 Minnesota St#524 P.O.Box 1769 Saint Paul,MN 55101 Saint Paul,MN 55101 Senator Sandra Pappas DOWNTOWN COUNCIL Minnesota Legislature EXECUTIVE DIRECTOR State Capitol G-24 101 Norwest Ctr-55 E Sth Saint Paul,MN 55155 Saint Paul,MN 55101 Capitol Area Ping Brd District Planner Room 204, Admin Bldg Allen Lovejoy 50 Sherburne Ave 1100 City Hall Annex Saint Paul,MN 55155 West 7th St Federation Betty Moran, CO 974 7TH STREET WEST Saint Paul,MN 55102 (which is the]ast known 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 t ' 1 st day of November, 996. s , � CARRIE A. DEFOE NOTAFiY PUBLIC•MINNE80TA No Public w►MS�rcouNnr �Y � ; w!y Coamiselon Exqra Jm.8t,l000 r M EXIIIBIT #4 - - NOTICE OF PUBLIC HE1SS�lIL'i•,., _ , . , - -- � � Gurreacy Exchange License Appd�eat�ton°� . :�bf the Unbank Compang \ � 467-469 st.Peter Street 1FFIDAVIT OF PUBLICATION �(�Q;�i�� 8aint Paul,Minnesota 6510Z Office of Administrative Hearinga on the behalf of the COUPiCIL 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 g duly SWOI'ri, on oath says that he 1S the the Unbank Company to operate a currency exchange by license issued under�OWri 8S the St. Paul Legal Ledger and has Minn. Stat. §53A.02. ` �hich are stated below: 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. COmj�118d with all of the requirements The hearing will be conducted by an administrative law judge from che�egal newspaper, as provided by Minnesota Minnesota Office of Administrative Hearings, on behalf of the Cbuncil of the�d OtheI'apPliClble 11WS, as amended. 'City of Saint PauL His or her report, and recammendation for action, will be forwarded to the Council for its action. Date of Pnblic Hearing: Wednesday, November 6; isss blic hearing which is attached was cut from Time: s:so a.m. �per and was printed and published once; it Location of Pnbl[c�ieartag: day, the 30th day of October, 1996; and rtamsey conncy courchouse the lower case alphabet from A to Z, both Room 41, L-ower Level i 5 v�est t�ellogg soulevara acknowledged as being the size and kind of st. Paul; Ntinnesota 55 io2 n and publication of said notice: �If;you-have any questtons. please eall Christine Rozek, Office of License,' Inspections and Environmental Protection at 266-9108: lefghijklmnopqrstuvwxyz : (October 30. 1996) �_ __ _ --- _------__ Subscribed and sworn to before me this 30th day of October, 1996 � BARBARA A.ST.MARTIN � NOTARY PUBLIC-MIMJNESOTA __ DAKOTA COUNTY �� My Comm.Expires Jan.31,2000 Rate Information (1)Lowest classified rate paid by commercial users for comparable space is$N/A. (2) M�imum rate allowed by law for the above publication is$56.07. (3)Rate actually charged for the above publication is$48.76. EX�-IIBIT#5 A'T�' - �=i-:-=c+`.�^�.,�=- v- yF-,�^' �:,,w :l.'t��,2..>�e. .>= .} . �'�r;tC:,� .-w, T .:� Z�''I�'IZ�e{ 6. ��. _TYZ J . liy' � ` , I+ _:��•' \� \�� t 53A.01 CL'RRE\Cl'E.\CH.a.\CES �ZSB w: �a; i! •=� CHAPTER 53� �: �=�: �j �=; CURREI�'CY EXCHANGES �:: �' S3A.01 Definitions. 53.4.07 Fil;ng of fees;unreasonable fees. _ 33.�.0? Liceau. 33.�.08 Bond. '' S3A.03 Applitation for li;;ase;fees. 53A.031 Annual te,�ort and invcstigations. -'�q.`�:� , -.;' S3A.04 Appro�al or Cer.iz?of an 53A.09 PoNers;linitations;prohibitior.s. �+�� •�:: application. 53A.10 �'iolations. 53.�.05 Change of nane,c�+ae:shiD•o� 53.4.11 Books of account;annual repon. �'• laation. 53AJ: Rulcs. � 53A.06 Fine,suspensic�.c:re�oc:tion of 53.a.13 Fee notice;false ad�•enising; licease. pcnalty. . � a `'�` 53�.01 DEFI\ITIOtiS. ; , ; ,�_, ��;,�*�..�,,.-.�'�~=` � �.: Subdi��ision 1.Currenc�•e�change."Currenc}•exchanee"means any person,except :"��`;-- ' a bank, trust company, savings bank, sa�•ines and loan association, credit union, or � ��.•.--,�a�� industrial loan and thrift company, engaeed in the business of cashing checks, drafts, money orders, or tra�•elers' checks for a fee. "Currency exchange" does not include a ci:R`� person w•ho proviCes these ser�•ices incidental to the person's primary business if the _ charge for cashine z check or draft does r,ot exceed 51 or one percent of the ��alue of the check or draft, whichever is erea,er. Subd. 2. Commissioner. "Commissioner" means the commissioner of commerce. - Histon: 1989 c?4i s 1 `=` 53.�.02 LICE\SE. _;. ' ' Subdivision 1.Requirement..�person ma�•not eneaee in the business ofa currency � exchange w•ithout 5;st obtaining a license from the commissioner. Not more than one place of business ma}•be operated under the same license,but the commissioner may issue more than one license to the same licensee upon compliance by the applicant with all the provisions of this chapter for each new license issued. `; Subd. 2.Distance limitadon.\'o license map be issued or renew•ed under this chap- ter if the place of bLSiness to be operated under the license is located or proposed to _ be located w�ithin one-half mile of another licensed currency exchange. The distance '"` limitation imposed b}�this subdi��ision is measured by a straiQ,,ht line from the closest ¢� paints of the closest structures in�•oh�ed. Subd. 3.Prohibirion.A licensee ma}•not contract w�ith another person or business entity to manaee the currency exchange business. This subdi.•ision does not prohibit the licensee from ernplo}•ing persons to operate a currency exchange facility. i�,� History: 1989 c?�7 s 2; 1992 c 504 s 2 I� ^ � 53:�.03 APPLICATIO\ FUR LICE\SE; FEES. CA Vl1Ec1 D�� Sf.� �F�f"{�f�c i� (a) An application for a ]icense must be in w•riting, under oath, and in the form � t � prescribed and furnished by the commissioner and must contain the follow•ing: (1) the full name and address(both of residence and place of business)of the 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 applicant'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 partner and each officer and director of the corporation. If ,� EXHIBIT#6 ,, � :.�:. � r�' G�-��.C�,� �� : i�s9 CLRRE\Cl'E\CHA.\CFS 53A.05 ' � the applicant is a partnership or a nonpublicly heid cor�oration,the information speci- � fied in this paragraph must be required of each panner and eac stockholders owning in excess of ten percent of the corporate st ck of hec orporat on. �� (b) The application shall be accompanied by a nonrefundable fee of 52�0 for the ,� � re�•iew of the initial app]ication. U on a � p pproval b�• the commissioner, an additional �' i license fee of SSO must be paid by the applicant as an annual]icense fee for the remain- �' der of the calendar year.An annua!license fee of S�0 is due for each subsequent calen- � � i dar }�ear of operation upon submission of a license renew•al app]ication on or before December 1. Fees must be deposited in the state treasury and credited to the gener2l � fund. Upoa pa}�ment of the required annual license ;ee, the commissioner shall issue r a license for the pear beeinning January ], >' (c) The commissioner shall require the applicant to submit to a background inves- � tigation conducted by the bureau of crimina] appreher,sion as a condition of licensure. As part of the background in��estieation,the bu;eau o;criminal apprehension shall con- duct crimina]history�checks of�4innesota records and is authorized to exchange 5nger- , prints w•ith the Federal Bureau of 1n�•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, "applicznt" includes an emplo�•ee w�ho exercises manaeement or policy control o�•er the company,a director,an offiter,a limited orgen- eral partner,a manaser,or a shar;holder holdine more than ten percent of the outstand- ing stock of the corporation. " - - H;ston�: 1989 c 2a7 s.�; 19y?c�04 s 3 53.�.O�S :+.PPRO�'Ai, OR DE\L�.L OF�\�PPLICATIO\. (a) «'ithin 30 da}�s after the receipt of a complete application, the commissioner � shall deny the application or submit tt;e application to the go��erning bod}�of the local unit ofgo��ernment in w�hich the applicant is]ocated or is proposing to be Iocated.The '; commissioner ma}•not appro��e the application w�ithout thz concurrence of the go�•ern- ` ing body. The go�•erning bod}� shall ei��e published notice of its intention to consider ' the issue and shall solicit testimony from inte;ested persons, incl�ding those in the community in w hich the applicar.t is located or is proposing to be 1oca;ed.If the go�•ern- � �. ing bod}• has not appro��ed or disappro�•ed the issue w�ithin 60 da��s of receipt of the aPP1��2tion, cor,currence is presumed. The commissioner must a £` the application w�ithin 30 da}•s from recei�•ing the decision of the goti ern n bod vrThe 1' go��erning body shall ha�•e the soJe responsibilit}� for its decision. The state shall ha�•e no responsibility for that decision. � (b) If the application is denied, the commissioner shall send by mai] notice of the denial and the reason for the denizl to the applicant at the address contained in the s' �. application. Ifan 2pplication is denied,the applicant ma�•,w•ithin 30 da}s of recei��ng � the notice ofa denial,request a contested case hearing pursuant to chapter 14;provided �� that if the denial is based upon the refus2l of the eo�•ernine body to concur the go�•ern- ' ing body must af�ord the applicant a hearing. The applicant shall ha�•e no right to the t= hearing pro�•ided for in this section if the denial is based upon the eoverning body's ' ' refusal to concur but shall have a hearing before the go�•erning body. `� k: (c) This section applies to initial applications and renewal applications. � (d) The state shall ha��e no responsibiJity for the action of the go��erning body. �� Histor}•: 1989 c 247 s 4; 1992 c SO4 s 4 � L 53AA� CHA:tiGE OF\.4�1E, ORi1£R$HIP, OR LOCATION. Subdi�•ision 1.\ame or locadon.lf a licensee ro ' � tion of any or all of its currency exchanges, the lcen�ee shall file an appl cat�ionfor approval of the change w•ith the commissioner. The commissioner shall not a �� a change of location if the requirements of sections 53A.02,subdivision 2,and 53A.04 ha�•e not been satisfied. If the change is approved by the commissioner, the commis- �� .s�.-��.. 3:.: - i�f��.-;.��',�' - s� �: _��m•y�:�. y'� �� - ��-\��.�1 _ ��: �- .�. � _ .�� - �� .'�-.7„�"''` 53A.05 CLRRE�CY EXCH.�.�GES ��90 ��s•. : v �::' . . •�s~ �_y,'.; ? '�. . �4.�:!: : �°: sioner shall issue an zmended license in the licensee's new name or location.A 550 fee ; t= ..�� must be paid for the amended]icense. X �,_ i :�;: �a . �. Subd. 2.Ow'nership.The licensee shall notify the commissioner 30 business days - - =�'- in 2dvance of any ct;ange in ownership of the currency exchange. The commissioner __:,:; - may revoke the cur:ncy exchange license if the new ow•nership would have resulted �"� � �°; in a denial of the in;tial license under the pro��isions of chapter 53A. . ,s� Y� Histon•: 1989 c?Y7 s S; 1992 c 504 s 5 -. �. '�� ,s:- 53�.06 FI\E, SL'SPE\SIO\, OR RE�'OCATIO\' OF LICE\SE. ��" -� • �= (a) The cemmissioner may suspend or re�•oke any license under section 4�.027 if . �� . � s:� the commissioner fir.�s that: (1) the licensee has failed to pay the annual license fee or to maintain in effect the " required bond or to comply w•ith any order, decision, or finding of the commissioner - under Law�s 1989, c'r.apter 247; � (2) the licensee,or 2ny officer or director of a corporate licensee,has violated any �� pro��ision of Law•s 1S's9, chapter 247, or any rule or order of the commissioner under �; this chapter or chapter 4�; - .�; (3) the licensee,or any of�cer or director of a corporate licensee,has�•iolated any other law w•hich w�o�.:ld indicate ihat the person is untrustw�onhy or not qualified to ?' operate a currency e�change; or _ (4) any fact or condition exists w�hich, if it had existed at the time of the original or renewal applicatiea for the license,w•ould ha.�e w�arr2nted the commissioner refusing � the issuance of the !icense. , :� (b) ?�license r,,,a}�not be re��oked until the licensee has had notice of a hearing pur- � suant to the pro��is:ens of chapter 14. :- (c) A licensee r.a�•surrender any license b}•deli�•ery to the commissioner.The sur- render does not afiect the licensee's ci.•il or criminal liability for acts committed before the surrender, or a=ect the liabilicy on ihe bond required by this act, or entitle the licensee to a retun 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 4�. Histon•: 1989 c 247 s 6 �3A.07 FILI\G OF FEES; li\�tE.�,SO\ABLE FEES. • Subdi��ision 1.�ppro��al of fees.Fees char¢ed at each location for check cashing ser- vices must be filed��ith and appro��ed by the commissioner. Subd. 2. ?►mendment of fees..4 licensee may amend its fees at any time by filing the proposed amendments w•ith the commissioner. The application for amendment shall be in w�ritine,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. il,I�,' 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 w•hether a fee is fair and reasonable, the commissioner sh211 take into consideration: (1) rates charged in the past for cashing of checks by those persons and organiza- tions pro�'iding chzck cashing ser�•ices in the state of rlinnesota; (2) the income,cost,and experience of the operations of currency exchanges 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 thG 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 panicular currency exchange; ,: — " "%`v'�'a' i ��= � ' \ '�:l'Y, ' \�G/-�`�� _ I� 5�'th;N�..� I?91 CCRRE�CI'EXCHA.\GES 53A.11 � - `��fi: (5) a reasonable profit for a currency ex�hange ope;ztion;and � �:gr (6) any othec matter the commissioner deems appropriate. .% a The commissioner shall set a separate rate, consister.t w•ith the abo�•e standards, for �z checks issued by a go��ernment entity in an amount up to 5�00 to be cashed by a cur- `�� rency exchange. �� ' � History: 1959 c 247 s 7 � � r s3:�.os so�D. F,� Before a license may be issued to a currenc��exchan�;,the applicant shall file annu- 4; ;. w ally with and ha�•e appro�•ed by the commissioner a surety bond, issued by a bonding ; � company authorized to do business in this state in th� principal amount of 510,000. f The bond m�st run to the commissioner and is for the benefit of creditors of the cur- rency exchan¢e for liability incurred by the currency excLange on money orders issued - or sold by the currency exchange, for liability incurred b}� the currency exchange for sums due to a pa�•ee or endorsee of a check,draft,or mone}•order left wzth the currency exchange fo:coUection, and for liability incurred b}•the curTency exchange in connec- t tion w•ith pro�•iding currency exch2nge ser�•ices. The commissioner may require a licensee to file a bond in an additional 2mount if the cor,:missioner considers it neces- sary to meet the requirements of this section. In deter;nir,ing 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 ca�e may the bond be less thzn the initial 510,000 or more than the outstanding li2bilities. Histon�: /9S9 c ?47 s 8; I991 c�04 s 6 � 53.�.081 A\\t'AL REPORT�\D I\«STIG�TIO�S. . Subdi�•ision 1.Annual report.On or before�farch 1,a licensee shall file an annual repon w�ith the commisSioner for the p.*e��ious calendar}ear. The report must contain information that t?�e commissioner may reasonably req�ire concerning, and for the - purpose of examinir.e,the business znd operztions of e2ch 1•,censed currene�•e�chanee. Subd. 2. In��estigation.The coramissioner ma�•at an��time and shall at least once in each}ear in�•estieate the currene}•exchanee business of 2n}•licensee and of e��ery•per- i� son, pannership, association, and corporation eneaged in the business of operating a curenc}• exchanee in the manner pro��ided under section 45.037. Subd. 3. Fees and expenses.The licensee shall pay the costs of an examination or t' in��estieation in the manner pro��ided under section 60.�.03, subdi�ision 5. ; f H�s:o�•: 199?c�oa s � 53:�.09 PO«'ERS; LI�IITATIO\S; PROHIBITIO\S. t A currenc�•exchange ma}•not accept mone�•or currenc.�for deposit,or act as bailee =: or agent for persons, firms, pannerships, associations, or corporations to ho]d money k 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?-17 s 9 � L 53.�.]0 �ZOLaTIO\S. � Any pzrson,firm,2ssociation,partnership,or corporation that�•iolates Law•s 1989, chapter 247, shall be guilty of a misdemeanor. � Y Histon•: 1989 c?47 s 10 �. 53�.11 BOO�S OF ACCOUNT; A:�\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 w�ith the pro�•isions of Laws 1939, chapter 247, and w�th the rules adopted by the y��y`ao"�'2t�U„i�r-`��±w'"-;i!'��.- — • ''1�7:'ry�-'�!r' ��-��vt�""t ,�` �'�:z:�::.;yi?��a�.`��'.e~-'�-�'+�ic��a.�.�f"-.'.!' 7�� ^_' r y�.t�:.s..-��s ��•i-'�'�'e��nSJ �'�,r�`' -�f: � ' ��\`-'�� , "� ,,,t, ry �i .�r; 53A.�1 CL'RRE�C�'E\CHA\GES ��92 .��.: - � �. �`�;�. commissioner. A licensee shall presen•e the books, accounts, and records for at least " �`' two ears after naking the final entry. :r�- y -4�_��•° .�-�.:- �*'.��'�- History: 19�'9 c 147 s I1 -.-�,��<; "�� 53A.12 RUI.ES. � '�, The commissioner may adopt rules under chapter 14 as may be necessary to � z�� administer and enforce this chapter. ' . ,t:. .r f �--� History: 19s�9 c 297.c 12 R" Y. i� '.gt-,�3"'• ��'.. ''�� •�; 53A.13 FEE \OTICE; F.�I,SE AD��RTISI\G; PE\.�.LTY, �e::�y-?�. 't. '�_.�;� : ?:' Subdivision 1. Fee notice. The fees charged by currency exchanges for rendering - - ' ��`�== 2ny service authorized by this act must be prominently displa�•ed on the premises of �`z- � a:.t=�� the currency exchan¢e in the fashion required by the commissioner. .:�..._ : ..�: :� " "r�:;= . Subd. 2. False adr�ertising. .4 licensee may not ad��ertise, print, display, publish, �..�.� � ' distribute or brozdcast any statement or representation that is false, misleadine, or :�: -..;. ;�:�a� � •�'.. � :_ decepti��e, or that omits material information. �'`� �.,` Subd. 3.Ci��l liabilit�;penalty.A person w•ho violates any subdi�•ision of this chap- ? ::° ;�:. — -� � . =�: ter is liable to the person damaeed by the violation for actual damages.The court may ='' ' :�: aw•ard reasonable attorney fees and costs. �Yt History: 1989 c 197 s 13 � � ' i; 53A.14 [Repealed, 1992 c 504 s 8) . - ,,Y •3 '�� •' �; ' .y � ?i � Il � a I I� �t f. i � . . i _____________. . . ' . �� 169 CL'RRE�CY EXCHA\GES 53.4.03 I ' CHAPTER 53�, , ; , � CURREi�'CY EXCHA\GES 53.A.03 Apalicz�ion for lice�se,fees. 53A.03 �PPLIC�TIOV FOR LICE\SE; FEES. (a) .4n applic2tion for a license must be in ��ritin¢, under oath, and in the form prescribed and furnished by the commissioner and mLSt contain the following: (1) the full name 2nd address(both of residence and r':zce of business)of the appli- cant, and if the applicant is a pznnership or associati�a, of e�•ery member, and the name and business address if the applicant is a corpora;ion; (2) the county and municipality, N•ith street and n;:mber, if any, of a!1 currency - exchanee loc2tions operated by the 2pplicant; and . (3) the applicant's occupation or profession,for the;en�•ears immediatel}•preced- ing the application; present or pre��ious connection w�ith a:,y other currency exchanee in this or any other state;W�hether the applicant has e��er�:en con��icted of any crime; and the nature of the zpplicant's occupancy of the prem:sts to be licensed; and if the 2pplicant is a pannership or a corporation,the information specified in this p2rzgraph must be supplied for each panner and each officer and c:;ector of the co;porztion. If - the applicant is a partnership or a nonpublicly held corpe-z;ion,the information speci- fied in this parzgraph must be required of each partner a;:d 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 re��iew of the initial application. L'pon zppro�•al by the co:nmissioner, an additional license fee of 5�0 must be paid b}�the zpplicant as an annual license fee for the remain- der of the calendar�ear.An annual license fee of 5�0 is due for each subsequent calen- dar ��ear of operation upon submission of a license renew�al application on or before September 1. Fees must be deposited in the state treasu;-y znd credited to the ¢eneral fund. L'pon pa��ment of the required annual license fee, :he commissioner shall issue a license for the ��ear beeinning Januar�� 1. (c) The commissioner shall require the applic2nt to scbmit to a background in�•es- tieation conducted by the bureau of criminal apprehension as a condition of licensure. .4s part ofthe background in��estigation,the bureau of cri:n;nal app;ehension shall con- duct criminal histon•checks of'�linnesota records and is au;horiied to exchange finger- prints w�ith the Federal Bureau of Jn��estieation for the purpose of a criminal background check of the national files. The cost of the inti�estigation must be paid by the applicant. (d) For purposes of this section, "applicant" includes an emplo�•ee a�ho exercises management or policy control o�•er the company,a director,an ofncer,a]imited or gen- eral partner,a manaeer,or a shareholder holding more th�a ten percent of the outstand- ing stock of the corporation. Histon•: 1993 c 354 s 1 .�. � �,.. ��- .�.,.,�.". �. � r.��.�; , °� -- � �_ __-�� ' ' OFFICE OF UCENSC,INSPECTIONS AND - ENVIRON�IENTAI.PROTECTiON RobertKessfer,Director ��\�� CITY OF SAINT PALTL l.r��t-�� Rr�rESSIU:�;:v_ �«l�pr,un�• 6/�-:r,�,.,��,�� 1�ors�(.'olemnn.A.lnior S�.'!LDI:V[.� I•uc,�nul.�: (l_'-_G�-.nv. Suife:/1/1 ��;__'(,(�-�i.�. .i?p.Cc l'err,�Crreer $nrr�rFuid..1/inrtcso��'i iijU?-1`lll �. ' 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 L,egislative Code Section 381.02(c) directs the license applicant to pay a fee to the City covering the costs of administering and processing the cunency 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). °�lQ-\�.a� 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"� � Troy Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney _ _ _ _ - _ _ . _.:_ __ � __ -- - -_-_----------__ _ ._ — _ t)FPICEOFLICENSE.INSPECTlO\S:�,vD C\'\"ll>/'\Ae�fi�Jl'r u_1TLL�J'1112�-_ _____ _�_�.._._..._.�.�..�_ - _ 7-' __ RoherrRessler,Director _ __ _ _ _ _ _ _ _ _ _ _ _ _ .---- �,�-_��.� _ _ � � CITY OF SAINT PALTL r,c�wRy� �R��FESSi��N�.ai. r�>>«��h�,,,�_f,i�-_%��-�,��; Vorna Colemm�.A4nyor I3U/LDINCi Fnc.cimrre: 6/_'-_Y:�<-9/�%��, Suite 300 �l?-_'�6-v;'a 350 St Peter Street SaintPaul,�Ufinnesota .i5102-ISIO �� 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.Q4 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 unportant, 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). EXHIBIT #1 _ _ � ____ .��-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, � �� Troy`'Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney ' ' OFFICE UF I.ICENSE,!NSPECTIONS ANU ENVIRONMENTAL PROTECTION RobertKessler,Director Q ��`\`�"� — ` r.� � CITY OF SAINT PAUL LUWR}'PROFESS/ON.4L Telephone:6/3-266-90J0 \'a�n�Cnleman,A�/ayor BUILDING Fac.rnnile: 61?-166-9099 Si�ite 300 612-?66-91?� 350 St.Peter Street Snint Paul,tL�innesota SSIO?,-1 SIO i� October 29, 1996 Alan LePage 10723 Fillmore Stne Blaine. MN 55434 Re: Currency Exchange License Application Dear Mr. LePage: 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 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, �� / ��,� / Tro �lbertson, Y License Enforcement Auditor Enclosure , cc: Virginia Palmer, Assistant City Attorney _�_. ' • - � —OFFICE OF LICENSE,INSPEGTIONS 4.\D - ..�__..� __._..____...._..�__.___._._.....ENVIRi7N'lG � , _ _._ Robert Kessler,Director ��5�+" \�� CITY OF SAINT PALJL LOWRY PROFESSIONAL Telephone:612-266-9090 Norm Colernan,Mayor BUILDING Facsimile: 612-266-9099 Sr�ite 300 5!?-?66-91?4 3_50 S[.Perer Street Sairnl'nr�l.I�finnerorn i.510?-IS//I �� 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 5t. 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 $317.00 and must be paid within (15) days of the receipt of this letter. The Code further requires the applicant to reimburse the City for its costs in conducting the hearing(s) prescribed by State Law. You may be billed for those costs after the hearing(s). �� .`1 For your convenience, a copy of the notice of hearing as well as the City Ordinance Section 381 has been enclosed. If you have any questions, please contact Cl�ristine Rozek at 266-9108. Sincerely, � �� Troy Gilbertson, License Enforcement Auditor Enclosure cc: Virginia Palmer, Assistant City Attorney l Irrterdepartmental Memorandum (,�� CITY OF SAINT PAUL "�'' RECEIV EC� OCT 2 �gg� ��: Nancy Anderson �ITY CLERK, Council Re�earch 31� City Hall �rc�m: �Pe}er WhitP R�al Estate Divi�irzn 140 �'ity H�.11 U'ate: Se�teml�e� �3, 1��t6 ��rbi?ct: �t�k�li�ati��n of Nuti�e or �ubiic Hearing tor I�rlingt��n/ Ruth A��ea 5tre�t F�v1z�C� ar�{� Li��l�til�y Fr��je�t. GS# 3E331 f�r Street Paving and Lic�hti?�g Prc�ject � �U " ��a$ for Arlingtun/Ruth Area. GS# 34170 for cennections for ?�rlington/1?uth Area a� " � yq� Project. To ��tm�ly with Minne�;ta State Statue, Cr.apter 4�9, the attache� �reliminary ��rders must be published twice/one week apart with F�ublication �n Nr,�e�l�r—�, and �e�-�, 1996. l7P.G . ZI � 2C. Lg Cit.y �'lerk' s offi�? k�ould nee� the si�ned Preliminary c?rders in their office n� later than Friday October 25, 1�96. If you have any questions, call me at 2�6-8�50. RF: kt r�,C�i uQ,�- � 2' I$ - q� cc: Pebarah Wiiey