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7 324 Michael Harvey replied that no, the current exchange refers to the changing of money from one currency to another (e.g. I 325 bring you 100 pounds of English money and you change it to $100 of American money). Someone wiring money through 326 Western Union is not currency exchange. That is a wire service. 327 328 Paul Guthrie asked if it would be different if the exchange was for reverse currency. 329 330 Michael Harvey responded with the example that if he wired Paul Guthrie money and it goes through Western Union and the 331 money then comes to Tienda Market off of Mount Carmel Church Road, zoned EC-5 (Existing Commercial), then all the 332 business is doing is giving you the cash that was wired to them, completing a wire service. Mr. Harvey continued with the 333 presentation. He said that the land uses of Credit Agencies and Institutions are broken-out. Planning Staff may collapse these 334 categories since they can be defined within Professional Office, versus having 15 uses. It is probably easier to have in the 335 definitional framework than try to come-up with a listing for every possible professional office. 336 337 Tony Blake asked why ATMs are so restricted. He made the point that the public may want an ATM at any place where a bank 338 could be located, even a standalone ATM at a convenience store or other place. 339 340 Michael Harvey answered that while he does not think that the category is too restrictive, he does realize that currently, 341 standalone ATMs are only allowed in a few districts. He made the point that when you start looking at the other uses allowed 342 in those districts, it is a question of ensuring that Planning Staff is also consistent with the land use categories as defined 343 within the UDO and the Comprehensive Plan. He reflected that it sounded like Staff should review where standalone ATMs 344 should be located again, which Staff will do during the next review. Staff may consider treating standalone ATMs as an 345 accessory use to a retail operation as a prevision of retail. One of the reasons Staff is providing a difference between banks 346 with and without ATMs is so that there are existing regulations in UDO that deal with prohibition of drive thru lanes, which can 347 affect the impact of ATMs. Staff was trying to ensure that if a bank was moving into an area where drive thrus are prohibited 348 that the bank was not excluding, especially since drive thrus are just one facet of the bank. This was a compromise for a bank 349 to have reasonable use that may be located in the Hillsborough Economic Development District, for example, wherein drive 350 thrus are prohibited. 351 352 Kim Piracci asked why there cannot be pawn shops or currency exchange or payday loan establishments? 353 354 Michael Harvey answered that from his standpoint and from the standpoint of a couple of County Commissioners, payday loan 355 businesses can be viewed as predatory lending agencies, and that they, along with pawn shops, are not acceptable in Orange 356 County. He believes that we can encourage other land uses that are more productive. 357 358 Kim Piracci asked if there was a certain judgment going on with pawn shops, payday loans and currency exchanging. 359 360 Michael Harvey replied in the affirmative. 361 362 Paul Guthrie asked about currency exchange being allowed in a bona fide bank, not as a separate use. 363 364 Michael Harvey answered that currency exchange is part of a bank and part of the bank’s operation. The change in the Table 365 limits currency exchange or a pawn shop as a standalone use. 366 367 Randy Marshall reviewed the Table of Permitted Uses to confirm that there is no zoning district where these aforementioned 368 uses are permitted. 369 370 Michael Harvey responded that the land use has to be listed even though it is prohibited in all zoning districts. 371 372 Paul Guthrie asked if the County Attorney believes that pawn shops can be barred in this manner. 373 374 Michael Harvey replied that yes, and the Table is now in its third iteration of review, so there has been time to mull over this 375 matter. 376 377