The procedure outlined in this section applies to every creditor, as defined in section 292 of the Executive Law, who applies to the Superintendent of Financial Institutions (“superintendent”) for any approval or other action requiring consideration of the public interest and the needs and convenience thereof, or requiring a finding that the financial responsibility, experience, character, and general fitness of the applicant, and of the members thereof if the applicant is a co-partnership or association, and of the officers and directors thereof if the applicant is a corporation, are such as to command the confidence of the community and to warrant belief that the business will be operated honestly, fairly and efficiently. The procedure also applies to all persons, corporations, partnerships or other entities who apply to the superintendent for the approval of the certificate of organization of a proposed banking organization, as defined in section 2 of the Banking Law, or for the issuance of a license pursuant to the Banking Law. Such applications include, but are not limited to, the following: