MSB Staff Contacts

The Non-Depository Financial Institutions Division is primarily responsible for the licensing, supervision, and examination of mortgage brokers/processors, lenders, registrants and loan originators. This Division is also responsible for licensing and supervision of check cashers, sellers/issuers of payment instruments and money transmitters (collectively referred to as Money Service Businesses or MSBs).


Rod Carnes, Deputy Commissioner for Non-Depository Financial Institutions

Justin McElheney, Director for Non-Depository Financial Institutions

Fernando Ornelas, Supervisory Examiner

Ana Contreras, Financial Examiner

Byron Larios, Senior Assistant Financial Examiner (check casher exams)

Legal Matters should be directed to:

Elizabeth Harris, Attorney

Amy Patterson, Attorney

Please note that the NDFI Division does not accept walk-ins.  Please call (770) 986-1136 to make an appointment to speak to a member of our staff or e-mail the staff member directly.