Consent Agreement and Order: Maxie Joel Wozniak

-- ----·-~-..-··--·· --------- .. ·--- 20211 JtJ! 2t1 r11 ;;~: ! ,.) COMMONWEALTH OF PENNSYLVANIA ; :. '. :';\iii :'Tu,· DEPARTMENTOFBANKINGANDSECURITI•ES::; : 1 1 • 1 "i' ' COMMONWEALTH OF PENNSYLVAN[A DEPARTMENT OF BANKING AND SECURX'.flES, COMPLIANCE OFIFICE MAXIE JOEL WOZNIAK Docket No. 24 ooo3 CONSENT AGREEMENT AND ORDER (BNK-CAO) The Commonwealth of Pent\sylvania, acting through the Department of Banking and Secul'itles ("Department"), Compliance Office ("Office"), has reviewed the business practices of Maxie Joel ·wozniak ("MJW") and its officers, employees, and directors. Based on the results of its review, the Office concludes th~t MJW operated in violation of the Consume!' C1·edit Code ("CCC") as it relates.to -I•' motor vehicle sales finance, 1'2 Pa.C.S. § 6201 et se!. The parties to the above-captioned matter, in lieu of litigation, hereby stipulate that the following $\atements are lme and correct in the settlement of the above-captioned matter and, intending to be legally bound, hereby agt'ee to the terms of this Consettt \ Agreement and Order ("Order"). BACKGROUND

1. The Department is the Commonwenlth of Pelmsylvania's administrative agency authorized and empowered to administer and enforce Chapter 62 of the CCC, 12 Pa.C.S. ,§ 6201 et seq.
2. The Office is primarily responsible for administering and enforcing the CCC for· the Departinent.
3. MJW is licensed as an Installment Seller #29984 under the CCC.
4. MJW is located at 3810 Pittston Avenue, Moosic, PA 18507. l: ,. ,1 I '·' l' ·1 f t l ;i. l I

.. ,. ·. 5. · On November 6;. 202~, au .examitwr from the Deportment commenced a routine examhiation of MJW at its principal plaqe ofbtisiness. · · · Gramn1-Leach Blilex !),Qt 6. Purs11ant to Section 6803 of the Grnmm-Leach Bliley Act, JS U,S.C, § 6803, M.lW is reqnired to develop, implement, aud.ina!ntain a wdtten information secul'ity p!'ogram. ·7, From· in 01· about J\l;te 3, 2019 until December 21; 2.023, "MJW foiled to ci·eate'.an information secul'Jty program as reqt)ired by l 5 U.S.C. § 6803 . . Authority of the Departinent 8: . The CCC grants the Department the authority to issue orders a.s may be necessary for the . ' ' ' enforcemeiit of the CCC, 12 Pa.C .. S. § 6203(a)(5), 9. Seciion 62l8(a)(i3) of the CCC states that the Departmenl may revoke 01' su.spend aliy · license when the licensee engaged in an Illegal practice or conduct, · 12 Pa.C;S .. § 62 l 8(a)(13), ' ' '10. : Secti~Jl 6274 of the ccc'provides that "[a] pel'SOll l'equired to be licensed undel' this chapter' ... ' . · .. ' . . . : ' . . ... · .. '.-.:{~; .. that violates this chapter, directs a violation of this chapte1· or engages in Qn activity for which ·a 'license . . . . . . . . . ' . could be suspended Ol' revoked under·section. 6218 (r~Jating to revocation 01' S;Sp'ension of license) shall be siibject to a civil penaitj> levied by the depmtmen) of 110t more than $2,000. fol' each offense." · 12 . ' . . ~ ., Pa,C.S. § 6274: VIOLATIONS · J 1. MJW violated 15 U.S.¢, § 6803 wllen it failed to develop,"im1ilement, and ma\ntaiti a. written· information security program, RELIEF . 12, Fine. MJW agrees to pay a fine of five hundred dollarn ($~00). Pa)rinent is due within.thirty · (3Q) days of the Effective Date of the. Order as defined in paragraph 20 belq,;, The fine paymet\t.'shuH be 111ade tlwoughthe.Department portal at https://www.portal.dobs.pa.gov. 2 . I l ' I I '

'.· ' 13. Col'!'ective Action. a. Upon the Effective Date of this Order,MJW shall ni~intain a written i11fo1matioi1 . " securify program at all times. b. MJW shall comply with the CCC at all times. ·" FURTHER PROVISIONS .. 14. Consent: MJW het'eby·knowingly, willingly, voluntarily and irrevocably.consents· to the . . ' ' { . ' . entry of this Order pursuant to tl;e Depaitment's order .a;ithority under .the CCC and ·agrees that.it · 1mderst~nds all of the terms and conditions contained herein. MJW, by v~luntarlly enterinidnto this \ . ' . · Ordet;:waivecs nny right to a heating <;>r appeal concerning the terms, c·onditlons and/or penalties set forth . · ii; tiiis Order. . · . · 15. · Consumer's Rights. This Order shall not limit or impair any consumer's rights \lllde.r CCC. ·{i•.:: . ~ . . . '12 Pa.C.S. § 6236. ' . . . , .. lG. l'ublicatloll. The Department will publl.11h 'this Order P,Utsuai)t ~o \ts ~uthori.ty in Section 302:1,.(5) oftheDepartment ofBanking and Seouritles Code .. 7 l P.S. § 733-302.A.(5). ,l 7.· En.tire Agreement. This Or.der contains the whole agreement between the partles, . There are no other terms, obligations, covenants, representations, statements, conditions, or othe1wise, of any . ' . . . . . · ldnd whatsoever concerning tl;is Order. This Order may be amended iti writing by nl.uiu~l agree~ent by . . : .. tlie Office and MJW. · . JS .. Binding Naturn. The Depmtment, MJW, and all off19ers, owners, directors, employt,1es, · · heirs and assigns of'MJW intend to be and are legally bound by the terms of this Order. ·(9, · Counsel. Thls Order is entered into by the parties 11pori foll opportunity for legai advice from legal counsel. . . 20: Effectiveness. MJl.y her~by stipulates and agrees that the Order shall become effective OJI . ' ... . ' · the date that the Offic~ executes this 01;der ("Effective Date") . .. .. 3

· 21. Other Enforcement Action. a. The Department reserves all of its rights, chilies, and authority to enforce a.II · statutes, rules nnd regulations unde.r its jurisdi6tion against MJW in the future . regai'ding all mutters not resolved by this Ord el'. b. ·MJW acknowledges and agrees· that this Order i.s only bh1dh1g: upon the Department and not any other local, state or federal agency, department Ol"<?ffice · regai·ding matters within this Order .. 22. · Atithol'ization. The pni'lies below are authorized to execute this Order and legally bind their respective par.ties .. . 23 .' Counterparts: This Ord~r may be executed i.n sepat\te cout\etparts nnd b;i facsimile· cir ' ' ' electronic format. 24.: Tities, 'The titles ·used to identify the paragraphs of.this doc1nnent are for the convenien~e of reference only and do'not con1rn·l .the !iiterp1·etatlon of this docuinent. ... \ ·'' 4 '•' ·." ' "

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