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data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/fd60e1b/2147483647/strip/true/crop/4000x2667+0+0/resize/586x390!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/657f99e/2147483647/strip/true/crop/4000x2667+0+0/resize/768x512!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/641f297/2147483647/strip/true/crop/4000x2667+0+0/resize/1024x682!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg 1024w"/><source width="740" height="493" data-image-size="articleImage"srcset="https://arizent.brightspotcdn.com/dims4/default/fc8aea2/2147483647/strip/true/crop/4000x2667+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg"/><img class="Image" data-image-size="articleImage" alt="federal-reserve-bank" srcset="https://arizent.brightspotcdn.com/dims4/default/9ab4513/2147483647/strip/true/crop/4000x2667+0+0/resize/586x390!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg 586w,https://arizent.brightspotcdn.com/dims4/default/b08d948/2147483647/strip/true/crop/4000x2667+0+0/resize/768x512!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg 768w,https://arizent.brightspotcdn.com/dims4/default/8eeec1f/2147483647/strip/true/crop/4000x2667+0+0/resize/1024x682!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg 1024w" width="740" height="493" src="https://arizent.brightspotcdn.com/dims4/default/fc8aea2/2147483647/strip/true/crop/4000x2667+0+0/resize/740x493!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F4f%2F22%2F5533b5ca49f28dd1d956a09b18cc%2Ffed.jpg"></picture> <div class="Figure-content"> <div class="Figure-credit">Andrew Harrer/Bloomberg</div> </div> </figure></div> </div><p><b><i>UPDATE</i></b><i>: This story includes comments from a spokesman for Anthony Gressak III.</i> </p><div class="inline-gate"></div><p>The former interim CEO of a small Southern California bank has been barred from working in the banking industry and fined $75,000 after he allegedly obtained pandemic relief funds fraudulently, among other misdeeds.</p><p>Anthony R. Gressak III resigned in 2022 as interim CEO of Irvine, California-based Nano Banc, which he co-founded, and where he'd also served as a director and chief credit officer.</p><p>The Federal Reserve on Tuesday announced penalties against both Gressak and another former Nano Banc director, James T. Chung.</p><div id="googleAdb88f4b8c-0aa2-4877-b3b6-796a58beee54" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[550, 309]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [550, 309]], [[320, 0], [550, 309]]]" data-injected-for-mobile="true" data-position="video-in-article"> <span class="GoogleDfpAd-placeholder"></span> </div><div id="googleAd046e4a77-dcd2-4e25-9775-150dad0219a7" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[550, 309]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [550, 309]], [[320, 0], [550, 309]]]" data-injected-for-mobile="false" data-position="video-in-article"> <span class="GoogleDfpAd-placeholder"></span> </div><p>The allegations against the two men tie together some of the various regulatory problems that the $958 million-asset bank has faced since 2021.</p><div class="Enhancement" data-type="polar"> <div class="Enhancement-item"><div id="googleAd89649cec-2d89-447c-b5d4-0c4a9858c35b" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[1, 1]]" data-slot-adSizeMap="[[[320, 0], [1, 1]]]" data-position="native-in-article1"> <span class="GoogleDfpAd-placeholder"></span> </div></div> </div><p>The Fed said that Gressak, who was the partial owner of a group of corporate entities that received roughly $15.5 million under the Coronavirus Aid, Relief and Economic Security Act of 2020, participated in making materially false representations in the applications for those funds, and that he accepted a portion of the money for personal expenses.</p><p>The central bank also alleged that Gressak acted improperly in some of his dealings involving Nano Banc.</p><div id="googleAdbabf37c0-6341-4c7f-92aa-435652d2f20e" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-1"> <span class="GoogleDfpAd-placeholder"></span> </div><p>For example, Gressak concealed from both the Fed and the bank's board that he received nearly $195,000 in commissions in connection with the company's roughly $37 million capital raise in 2020, according to the central bank.</p><p>The Fed said that Gressak and the bank's other founders formulated a plan that would provide them a commission on the 2020 capital raise, even though the subscription agreement with investors indicated that the bank's executives would receive no commissions.</p><p>Under the Fed's consent order with Chung, he is also barred from participating in the banking industry. The Fed alleges that Chung, like Gressak, fraudulently obtained pandemic relief funds.</p><p>Chung and Gressak neither admitted nor denied the Fed's allegations, but they agreed to comply with the orders and waived their rights to challenge them.</p><div id="googleAd78c95eb4-a386-4cbd-9f5d-37f9f3f4e376" class="GoogleDfpAd" data-slot-name="/16059533/AmericanBanker/Article" data-slot-sizes="[[728, 90]]" data-lazy-threshold="100" data-slot-adsizemap="[[[768, 0], [728, 90]]]" data-injected-for-mobile="false" data-position="asset-banner-2"> <span class="GoogleDfpAd-placeholder"></span> </div><p>Chung could not immediately be reached for comment. A spokesman for Gressak said that the onetime Nano Banc executive has moved on from banking and wanted to put his interactions with the Fed behind him.</p><p>"He made decisions based on the advice of highly reputable outside regulatory counsel and executives approved by regulators," Gressak's spokesman said in a written statement. "He is looking forward to his future endeavors and working alongside effective colleagues to build great companies."</p><p>Gressak's spokesman also defended his client's record at Nano Banc, which he said included a transformation of the company into a "profitable and well-capitalized enterprise that had strong liquidity, and a balance sheet of performing loans."</p><p>In July 2024, Nano Banc named a new president and CEO, Mary Lynn Lenz, and a new board chair, Lynn McKenzie-Tallerico.</p><p>Lenz said Tuesday in a written statement: "Over the last several years, Nano Banc has transitioned leadership, creating a talented team of integrity, accountability and transparency."</p><div class="Enhancement" data-align-center> <div class="Enhancement-item"><div class="PromoSmallImageRight" data-content-type="Article" data-no-media data-sponsor-type=""> <div class="PromoSmallImageRight-content"> <div class="PromoSmallImageRight-category"> <ps-link><a href="https://www.americanbanker.com/tag/politics-and-policy" class="Link" target="_blank">Politics and policy</a></ps-link> </div> <div class="PromoSmallImageRight-title"> <ps-link><a href="https://www.americanbanker.com/news/california-bank-disobeys-enforcement-order-by-hiring-new-ceo" class="Link" target="_blank">California bank disobeys enforcement order by hiring new CEO </a></ps-link> </div> <div class="PromoSmallImageRight-date">December 21, 2021 4:16 PM</div> </div> </div></div> </div><p>Nano Banc, which was founded as a fintech company aiming to eliminate fraud from the wire transfer business, became a bank in 2018 by acquiring Commerce Bank of Temecula Valley.</p><p>The bank landed in hot water in early 2021, when both <ps-link><a href="https://www.americanbanker.com/news/fed-orders-nano-banc-in-california-to-reduce-cre-concentration" class="Link" target="_blank"><u>the Fed</u></a></ps-link> and the California Department of Financial Protection and Innovation issued enforcement actions related to its elevated level of commercial real estate loans. The California regulators also required the bank to notify state officials in writing whenever it proposed to employ any individual as an executive officer.</p><p>Months later, the California DFPI issued a cease-and-desist order alleging that Nano Banc <ps-link><a href="https://www.americanbanker.com/news/california-bank-disobeys-enforcement-order-by-hiring-new-ceo" class="Link" target="_blank"><u>violated the earlier order</u></a></ps-link> by replacing a slate of board members and appointing a new CEO without the required notification.</p><p>Then in January 2022, the Fed hit Nano Banc with <ps-link><a href="https://www.americanbanker.com/news/fed-orders-nano-banc-to-improve-oversight-of-loans-to-executives" class="Link" target="_blank"><u>another cease-and-desist order</u></a></ps-link>, which focused partly on improving oversight of loans to senior executives.</p><p>The timing of those events line up with the allegations unveiled by the Fed on Tuesday. The Fed said that Gressak became the bank's acting interim CEO in 2021 before resigning in February 2022 as both an officer and director.</p><p>One of the Fed's allegations is that Gressak participated in the approval of a payroll advance to a bank employee in 2020, allowing the employee to inflate his income when seeking a loan.</p><p>In September 2022, Gressak entered into a consent order with the California DFPI over <ps-link><a href="https://dfpi.ca.gov/wp-content/uploads/sites/337/2022/09/Consent-Order-Gressak-Anthony.pdf?emrc=5fdf71" class="Link" target="_blank"><u>an alleged transfer of money</u></a></ps-link> to an employee that was characterized as a salary advance. The California order barred Gressak from participating in Nano Banc's affairs without first receiving approval from the state regulatory agency.</p></div></div> </div> </div> <div class="ArticlePage-byline-bottom"> <div class="ArticlePage-byline-bottom-authors"> <div class="ArticlePage-byline-bottom-authorInfo"> <div class="ArticlePage-byline-bottom-authorInfo-bio-name"> <a href="https://www.americanbanker.com/author/kevin-wack" aria-label="">Kevin Wack</a> </div> <div class="ArticlePage-byline-bottom-authorInfo-bio-content"> National Editor, American Banker <div class="SocialBarArticleFooter"> <ul class="SocialBarArticleFooter-items"> <li class="SocialBarArticleFooter-items-item" data-social-service=""> <a class="SocialLink" rel="noreferrer" href="https://www.americanbanker.com/author/kevin-wack" target="_blank" data-social-service="author"> <svg> <use xlink:href="#mono-icon-author"></use> </svg> </a> </li> </ul> <ul class="SocialBarArticleFooter-items"> <li 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Scott Turner, a former congressman and NFL player, will lead the housing agency. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/kyle-campbell">Kyle Campbell</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/bessent-to-be-treasury-nominee-trump-taps-turner-for-hud" class="Link"><picture><source type="image/webp" width="1280" height="720" data-image-size="promoMedium"srcset="https://arizent.brightspotcdn.com/dims4/default/7de48b2/2147483647/strip/true/crop/4727x2659+0+0/resize/320x180!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 320w,https://arizent.brightspotcdn.com/dims4/default/c79dce1/2147483647/strip/true/crop/4727x2659+0+0/resize/568x320!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 568w,https://arizent.brightspotcdn.com/dims4/default/dbb4bed/2147483647/strip/true/crop/4727x2659+0+0/resize/768x432!/format/webp/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F03%2F93%2Fa04ce7da49bf9894bdf71920d4ff%2F413966178.jpg 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</div> <div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/feds-bowman-regulators-must-have-an-openness-to-ai" target=""> Fed's Bowman: Regulators 'must have an openness' to AI </a> </div> <div class="PromoMediumImageRight-description"><p>While the risks, benefits and magnitude of artificial intelligence's impact on financial services remain unclear, agencies should keep an open mind toward the technology and avoid reflexive risk aversion in bank supervision, Federal Reserve Gov. Michelle Bowman said. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/john-heltman">John Heltman</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a href="https://www.americanbanker.com/news/feds-bowman-regulators-must-have-an-openness-to-ai" class="Link"><picture><source type="image/webp" width="1280" height="720" 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<div class="PromoMediumImageRight-title"> <a href="https://www.americanbanker.com/news/first-foundation-hires-outsider-as-ceo-amid-strategy-overhaul" target=""> First Foundation's new CEO has history of priming banks to sell </a> </div> <div class="PromoMediumImageRight-description"><p>The Dallas bank's new CEO, Thomas Shafer, served in top roles at a number of banks that were subsequently acquired before he stepped away from the industry in 2022. </p></div> <div class="PromoMediumImageRight-bottomWrapper"> <div class="PromoMediumImageRight-byline"> <div class="PromoMediumImageRight-byline-content"> <div class="PromoMediumImageRight-authorName"> By <a href="https://www.americanbanker.com/author/catherine-leffert">Catherine Leffert</a> </div> </div> </div> <div class="PromoMediumImageRight-timeSince">November 22</div> </div> </div> <div class="PromoMediumImageRight-mediaWrapper" data-is-opinion-promo="false"> <div class="PromoMediumImageRight-media"> <ps-link><a 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srcset="https://arizent.brightspotcdn.com/dims4/default/8df6ddb/2147483647/strip/true/crop/5185x2917+0+270/resize/320x180!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 320w,https://arizent.brightspotcdn.com/dims4/default/9beb6d4/2147483647/strip/true/crop/5185x2917+0+270/resize/568x320!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 568w,https://arizent.brightspotcdn.com/dims4/default/8b39576/2147483647/strip/true/crop/5185x2917+0+270/resize/768x432!/quality/90/?url=https%3A%2F%2Fsource-media-brightspot.s3.us-east-1.amazonaws.com%2F9d%2Fae%2F2d538ec942b6b5d973468ec35be5%2Fadobestock-529084958-editorial-use-only.jpeg 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