Bulletin 3259 - August 7, 2026

State of Connecticut Department of Banking

The Department of Banking News Bulletin

Bulletin # 3259 - Week Ending August 7, 2026

This Bulletin constitutes the only official notification you will receive from this office concerning any of the following applications. Any observations you may have are solicited. Any comments should be directed to Jorge L. Perez, Banking Commissioner. Written comments will be considered only if they are received within ten business days from the date of this bulletin.

BANK ACTIVITY

New Bank Activity

On August 5, 2026, Nayax Ltd filed an application to establish Nayax America Bank Inc ., with a main office in Fairfield County as an Innovation Bank pursuant to Section 36a-70 of the Connecticut General Statutes. Nayax USA Holdings Inc will be the organizer. Nayax America Bank Inc.’s spokesperson is Aaron Greenberg, who can be reached by email to aarong@nayax.com or by phone at 1-612-716-5870. The public portion of the application is available for inspection at the Department of Banking. Questions or comments regarding the application can be sent to the Financial Institutions Division at (860) 240-8114.

Branch Activity

On August 5, 2026, the Commissioner approved an application by Ives Bank , headquartered in Danbury, Connecticut, to establish a branch at 326 Highland Avenue, Waterbury. Connecticut pursuant to Section 36a-145(b)(1) of the Connecticut General Statutes. The proposed opening date is November 1, 2026.

On August 5, 2026, the Commissioner approved an application by Numisma Bank , a Connecticut-chartered innovation bank, to establish a representative office in the United Arab Emirates pursuant to Connecticut General Statutes section 36a-145(j).

Special Meeting Notice

On September 17, 2026, a special meeting of the Banking Commissioner will be held pursuant to Sections 1-225 and 36a-70(i) of the Connecticut General Statutes to consider the application of the organizers of Fnality Bank US, for an extension of their Temporary Certificate of Authority to organize an Innovation Bank. The meeting is scheduled to be held on September 17, 2026 at 2pm at the Department of Banking, 280 Trumbull Street, 5th Floor, Navy Meeting Room, Hartford, Connecticut, via videoconference https://teams.microsoft.com/meet/251592280701638?p=pCxxC31t4CcTr5fEJ5, and via teleconference (860) 840-2075, Conference ID: 409 743 201#.

CONSUMER CREDIT ACTIVITY

Bankers Healthcare Group, LLC d/b/a BHG Financial

On August 4, 2026, the Commissioner entered into a Consent Order (“Consent Order”) with Bankers Healthcare Group, LLC d/b/a BHG Financial (NMLS # 2040829), (“BHG”), Davie, Florida. As the result of information obtained during an examination of a licensee, the Consumer Credit Division commenced an investigation of BHG. As result of such investigation, the Commissioner alleged that between October 2023 and April 2025, BHG engaged in activity in violation of Section 36a-556(a) of the Connecticut General Statutes by (1) offering, soliciting, brokering, directly or indirectly arranging, placing or finding or advertising small loans to be made by a bank; (2) purchasing or acquiring small loans made by a bank; and (3) receiving payments on small loans. As part of the Consent Order, BHG paid $10,000 as a civil penalty and $800 as back licensing fees.

SECURITIES AND BUSINESS INVESTMENTS DIVISION ACTIVITY

Jayme Frances Lemaire (CRD No. 4336052)

On August 7, 2026, the Banking Commissioner (“Commissioner”) entered into a Consent Order (No. CO-26-20269-S) with Jayme Frances Lemaire (“Lemaire”), who was registered as a broker-dealer agent and investment adviser agent in Connecticut at various times from July 11, 2001, to July 15, 2025.

The Consent Order alleged that Lemaire engaged in dishonest and unethical business practices within the meaning of Section 36b-31-15b(c) of the Regulations of Connecticut State Agencies (“Regulations”) and FINRA Rule 3240 by borrowing money from a brokerage client. The Consent Order also alleged that Lemaire engaged in dishonest and unethical business practices within the meaning of Section 36b-31-15b(c) of the Regulations and FINRA Rule 3220 by accepting cash gifts from two clients in excess of the FINRA permissible limit of $300.00. Lastly, the Consent Order alleged that Lemaire violated Section 36b-23 of the Connecticut Uniform Securities Act because of her inaccurate answer to a disclosure question on a Form U4 filed with the Commissioner.

The Consent Order directed Lemaire to cease and desist from regulatory violations, revoked her current investment adviser agent and broker-dealer agent registrations, denied Lemaire’s pending investment adviser agent and broker-dealer agent registration applications with three separate firms and barred Lemaire from transacting business in Connecticut as a broker-dealer, investment adviser or any other entity requiring a license or registration from the Commissioner. Lemaire also paid an administrative fine of $30,000 to the Department of Banking as part of the Consent Order.

Dated: Tuesday, August 11, 2026

Jorge L. Perez Banking Commissioner