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The Commissioner of Banks (Commissioner) is charged with the administration of Massachusetts General Laws chapter 255E, and applicable regulations found at 209 CMR 42.00 et seq., relating to the licensing of mortgage brokers; and Massachusetts General Laws chapter 255F and applicable regulations found at 209 CMR 41.00 et seq., relating to the licensing of mortgage loan originators. Pursuant to the authority granted by Massachusetts General Laws chapter 255E and Massachusetts General Laws Chapter 255F, the Commissioner has investigated the activities of James Tracy a.k.a. Jim Tracy (James Tracy), with a business address of 324 Essex Street, Swampscott, MA 01907, to determine if James Tracy, either acting individually and/or on behalf of American Trust Mortgage, Inc. (American Trust), has engaged in the business of, and/or is continuing to engage in, acts or practices constituting violations of Massachusetts General Laws chapter 255E, and Massachusetts General Laws chapter 255F. Based upon such investigation, the Division hereby issues the following CEASE DIRECTIVE (Directive) as a result of the findings alleged herein.
A. FINDINGS OF FACT
BY ORDER AND DIRECTION OF THE COMMISSIONER OF BANKS:
Dated at Boston, Massachusetts, this day of December 18, 2012.
David J. Cotney
Commissioner of Banks
Commonwealth of Massachusetts