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COMMONWEALTH OF MASSACHUSETTS
COMMISSIONER OF BANKS
Docket No. 2009-158-CO
In the Matter of
PATRICIA ANN MULVEY-LAJOIE
WHEREAS, PATRICIA ANN MULVEY-LAJOIE , has been advised of her right to Notice and Hearing pursuant to Massachusetts General Laws chapter 30A, section 10 and chapter 255F, section 11(b), and having waived those rights, entered into a STIPULATION AND CONSENT TO THE ISSUANCE OF A CONSENT ORDER ("Consent Agreement") with representatives of the Division of Banks ("Division") dated January 25, 2009, whereby, solely for the purpose of settling this matter, Patricia Ann Mulvey-Lajoie agrees to the issuance of this CONSENT ORDER ("Consent Order") by the Commissioner of Banks ("Commissioner");
WHEREAS, the Division, through the Commissioner, has jurisdiction over the licensing and regulation of persons and entities engaged in the business of a mortgage loan originator in Massachusetts pursuant to Massachusetts General Laws chapter 255F, section 2;
WHEREAS, Patricia Ann Mulvey-Lajoie applied for a Massachusetts mortgage loan originator license on June 11, 2009, and she voluntarily withdrew such mortgage loan originator application on June 19, 2009, according to her attested record in the Nationwide Mortgage Licensing System ("NMLS").
WHEREAS, Patricia Ann Mulvey-Lajoie was never licensed as a mortgage loan originator in the Commonwealth of Massachusetts. ;
WHEREAS, on December 11, 2008, pursuant to the authority granted under Massachusetts General Laws chapter 255E, section 8, the Division commenced an examination/inspection (the "2008 examination/inspection") of the books, accounts, papers, records, and files maintained by The Mortgage Group, Ltd., license no. MB4627, located at 1107 Pleasant Street, Fall River, MA, 02723;
WHEREAS, books and records reviewed by the Division during the 2008 examination/inspection revealed that Patricia Ann Mulvey-Lajoie originated one (1) Massachusetts residential mortgage loan on behalf of The Mortgage Group, Ltd. at a time during which she was not licensed as a mortgage loan originator in Massachusetts; and
WHEREAS, the parties now seek to resolve by mutual agreement, the aforementioned matters.
NOW COME the parties in the above-captioned matter, the Division and Patricia Ann Mulvey-Lajoie, and stipulate and agree as follows:
BY ORDER AND DIRECTION OF THE COMMISSIONER OF BANKS.
Dated at Boston, Massachusetts, this 25th day of January, 2010
By: Steven L. Antonakes
Commissioner of Banks
Commonwealth of Massachusetts