Final Order Denying Loan Originator License Application

Index: OFR 2026 - 307 CK£TEO • /18/2026 ) lEGM. _,) STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: CARMEN MICHAEL CELLINE, Case Number: 136796 Petitioner. FINAL ORDER The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 494, Florida Statutes, hereby enters this Final Order with Notice of Rights ("Final Order") as authorized by the provisions of chapters 120 and 494, Florida Statutes, against CARMEN MICHAEL CELLINE ("Petitioner"). FINDINGS OF FACT

1. On April 30, 2026, the Office issued a Notice of Intent to Deny Application for Loan Originator License Pursuant to chapter 494, Florida Statutes ("Notice of Intent to Deny") to Petitioner, with true and correct copies furnished via U.S. mail to Petitioner's mailing address of record and via email to Petitioner's email address ofrecord. (Exhibit A)
2. The Notice of Intent to Deny had attached thereto a Notice of Rights, which fully advised Petitioner that he had twenty-one (21) days after the receipt of the Notice ofintent to Deny within which to petition the Office for an administrative hearing to contest the allegations set forth in the Notice oflntent to Deny, in accordance with sections 120.569 and 120.57, Florida Statutes, including the following information: YOUR FAILURE TO RESPOND IN WRITING TO THIS NOTICE OF INTENT TO DENY WITHIN TWENTY-ONE (21) DAYS OF RECEIPT WILL CONSTITUTE A W AIYER OF

YOUR RIGHT TO REQUEST A HEARING, AND A FINAL ORDER WILL BE ENTERED WITHOUT FURTHER NOTICE. 3. To date, the Office has not received a written response or a request for hearing from Petitioner, and/or a claim of equitable tolling. 4. The uncontested allegations in the Notice oflntent to Deny are hereby incorporated by reference and adopted as Findings of Fact in this Final Order. CONCLUSIONS OF LAW 5. The Office is responsible for the administration and enforcement of chapter 494, Florida Statutes, and has jurisdiction over the subject matter pursuant to chapter 494, Florida Statutes. 6. The Findings of Fact that have been adopted herein serve as the basis of the entry of this Final Order against Petitioner. 7. Section 120.569(2)(a), Florida Statutes, and Rule 28-106.111(2), Florida Administrative Code, require, among other things, that a response or a petition to an action which affects the substantial interests of a party be filed with the agency within 21 days of receipt of written notice of the action. 8. Pursuant to Rule 28-106.111(4), Florida Administrative Code, the failure of Petitioner to timely respond to the Notice of Intent to Deny constitutes a waiver of Petitioner's right to an administrative proceeding. 9. The doctrine of equitable tolling can be applied in administrative cases when a party has been misled or lulled into inaction, i.e., has in some extraordinary way, been prevented from asserting his rights, or has timely asserted his rights in the wrong forum. Machules v. Dept. of Admin., 523 So.2d 1132 (Fla. 1988). 2

10. Without any evidence of equitable tolling, it is appropriate for the Office to conclude there was none. Patz v. Dept. of Health, 864 So.2d 79, 80 (Fla. 3d DCA 2003).
11. The Notice oflntent to Deny was properly addressed and mailed to Petitioner at his mailing address, and therefore was received by Petitioner. See Brown v. Giffen Indus., Inc., 281 So.2d 897, 900 (Fla. 1973).
12. Because Petitioner failed to file a petition or any other document in response to the Notice of Intent to Deny, and/or failed to present a claim of equitable tolling, the waiver of the right to an administrative hearing by Petitioner is complete. See Patz at 80.
13. The legal conclusions that form the basis for denial as set forth in the Notice of Intent to Deny, being uncontested by Petitioner, are accepted as true and correct and are adopted by the Office as Conclusions of Law for purposes of this Final Order.
14. The waiver of a hearing by Petitioner, taken together with the Findings of Fact and Conclusions of Law adopted herein, constitute sufficient grounds to deny Petitioner's license application. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED: A. Petitioner's application for a license as a Loan Originator pursuant to chapter 494, Florida Statutes, is hereby DENIED. DONE and ORDERED this / flday of June, 2026, in Tallahassee, Leon County, Florida. 3 Russe Com

NOTICE OF RIGHTS A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO JUDICIAL REVIEW PURSUANT TO SECTION 120.68, FLORIDA STATUTES. REVIEW PROCEEDINGS ARE GOVERNED BY THE FLORIDA RULES OF APPELLATE PROCEDURE. SUCH PROCEED1NGS ARE COMMENCED BY FILING THE ORIGINAL NOTICE OF APPEAL WITH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AS FOLLOWS: By Mail, Facsimile or Email Agency Clerk Office of Financial Regulation Office of General Counsel P.O. Box 8050 Tallahassee, FL 32314-8050 Phone: (850) 410-9889 Fax: (850) 410-9663 Email: Agency.Clerk@flofr.gov OR By Hand Delivery Agency Clerk Office of Financial Regulation Office of General Counsel The Fletcher Building 101 East Gaines Street Tallahassee, FL 32399 Phone: (850) 410-9889 A COPY OF THE NOTICE OF APPEAL, ACCOMPANIED BY THE FILING FEES AS REQUIRED BY LAW, MUST ALSO BE FILED WITH THE DISTRICT COURT OF APPEAL, FIRST DISTRICT, 2000 ORA YTON DRIVE, TALLAHASSEE, FLORIDA 32399-0950, OR WITH THE DISTRICT COURT OF APPEAL IN THE APPELLATE DISTRICT WHERE THE PARTY RESIDES. THE NOTICE OF APPEAL MUST BE FILED WITH BOTH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AND THE DISTRICT COURT OF APPEAL WITHIN 30 DA VS OF THE RENDITION OF THE ORDER TO BE REVIEWED. 4

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been sent for service to Carmen Michael Celline via U.S. Mail at 6604 7th Avenue Circle West, I r~t,, Bradenton, Florida 34209, and via email at carmencelline@gmail.com on this L..rL day of June, 2026. 1 Regulation o 8050 L 32314-8050 . .Clerk@flofr.gov Tel: (850) 410-9889 5

Carmen Michael Celline 6604 7th Avenue Circle West Bradenton, Florida 34209 carmencelline@gmail.com Commissioner Russell C. Weigel, III April 30, 2026 VIA U.S. MAIL AND ELECTRONIC MAIL RE: Notice of Intent to Deny Application for Loan Originator License Pursuant to chapter 494, Florida Statutes NMLS No.: 2301531 File No.: 163416 OFR Case No.: 136796 Exhibit A NOTICE IS HEREBY GIVEN that pursuant to sections 494.0011, 494.00255, 494.00312, and 120.60, Florida Statutes, and Rule 69V-40.00112, Florida Administrative Code, the State of Florida, Office of Financial Regulation ("Office"), by this letter intends to deny Carmen Michael Celline's application for licensure as a loan originator in the State of Florida. The reasons for the denial are as follows: FINDINGS OF FACT

1. On January 6, 2026, Carmen Michael Celline ("Applicant") submitted an application to the Office for licensure as a loan originator.
2. On June 25, 2025, in case number 2024CF003l61AX, in the Circuit Court of the Twelfth Judicial Circuit in and for Manatee County Florida, Applicant pied Nolo Contendere to Criminal Mischief($ l 000 or More), a felony crime. CONCLUSIONS OF LAW
3. Pursuant to section 494.0011, Florida Statutes, the Office has jurisdiction over loan originators and is responsible for the administration and enforcement of the provisions of chapter 494, Florida Statutes.
4. Pursuant to section 494.0025(1 ), Florida Statutes, a person may not act as a loan originator in this state unless licensed pursuant to part II of chapter 494, Florida Statutes.
5. Pursuant to section 494.001(18), Florida Statutes, the term "loan originator" means: www.tlofr.gov 200 East Gaines Street, Tallahassee, Florida 32399-0370 (850) 487-9687 •FAX (850) 410-9663

An individual who, directly or indirectly, solicits or offers to solicit a mortgage loan, accepts or offers to accept an application for a mortgage loan, negotiates or offers to negotiate the terms or conditions of a new or existing mortgage loan on behalf of a borrower or lender, or negotiates or offers to negotiate the sale of an existing mortgage loan to a noninstitutional investor for compensation or gain. The term includes an individual who is required to be licensed as a loan originator under the S.A.F.E. Mortgage Licensing Act of 2008. 6. Pursuant to section 494.00312(4)(a), Florida Statutes, it is a ground for denial of Iicensure if an applicant has committed any violation specified in chapter 494, Florida Statutes. 7. Pursuant to sections 494.00255(l)(i) and (2)(d), Florida Statutes, the Office may deny a loan originator license to an applicant who was convicted of, or entered a plea of guilty or no]o contendere to, regardless of adjudication, any felony or any crime involving fraud, dishonesty, breach of trust, money laundering, or act of moral turpitude. 8. Pursuant to Rule 69V-40.00112(1), Florida Administrative Code, as part of the application review process, the Office is required to consider an applicant's law enforcement record when deciding whether to approve an application for licensure as a loan originator. 9. Pursuant to Rule 69V-40.00112(2), Florida Administrative Code, there are four categories of crimes: class "A," class "B," class "C," and class "D." 10. Pursuant to Rule 69V-40.00112(15), Florida Administrative Code: (15) Class "C" Crimes include all felonies not Class "A" or Class "B" Crimes. 11. Pursuant to Rule 69V-40.00I 12(3)(c), Florida Administrative Code, an applicant whose law enforcement record includes a class "C" crime is not eligible for licensure until 7 years have passed since the trigger date. 12. Pursuant to Rule 69V-40.00112(2)(d), Florida Administrative Code, ''trigger date" means the date the applicant was found guilty, pied guilty, or pied nolo contendere to a crime. 13. Applicant's felony crime of Criminal Mischief ($1000 or More) constitutes a class "C" crime pursuant to Rule 69V-40.00112(15), Florida Administrative Code. 14. Because Applicant pied nolo contendere to a Class "C" felony crime, he is subject to a period of disqualification for Iicensure and, therefore, grounds exist to deny Applicant's application. The facts stated herein are grounds to deny Carmen Michael Celline's loan originator license application based on the above enumerated provisions of chapter 494, Florida Statutes, and Rule 69V-40.00112, Florida Administrative Code. Accordingly, by this letter the Office of Financial Regulation hereby notifies Cannen Michael Celline of its intent to deny his application for licensure as a loan originator. 2

NOTICE OF RIGHTS Please be advised that pursuant to Sections 120.569 and 120.57, Florida Statutes, you may request a hearing to contest this action by the Office. Requests for such a hearing must comply with the provisions of Rule 2 8-106.104(2), Florida Administrative Code, Rule 28-106.201, Florida Administrative Code, or Rule 28-J 06.301, Florida Administrative Code, and must be filed with: Bv Mail or E-mail Agency Clerk Office of Financial Regulation P.O. Box 8050 Tallahassee, Florida 32314-8050 Phone: (850) 410-9889 Agency .Clerk@flofr.gov OR B, Hand Deliverv Agency Clerk Office of Financial Regulation General Counsel's Office The Fletcher Building 101 East Gaines Street, Suite 504 Tallahassee, Florida 32399-0379 Phone: (850) 410-9889 Your request must be filed within twenty-one (21) days of the date ofreceipt of this Notice of Intent to Deny. At anv time prior to the expiration of the 21 days. ,ou mav withdraw your application for a loan orir.dnator license through the Nationwide Multistate Licensing System and b' notil\ing the Office in writimr. In the event that vou withdraw your application. no license will be issued. Submit your written withdrawal notice to Maruo DuVal. Assistant General Counsel. P.O. Box 8050. Tallahassee. Florida 32314-8050. or at marn.o.duvaViMlofr. gov. YOUR FAILURE TO RESPOND IN WRITING TO THIS NOTICE OF INTENT TO DENY WITHIN TWENTY-ONE (21) DAYS OF RECEIPT WILL CONSTITUTE A WAIVER OF YOUR RIGHT TO REQUEST A HEARING, AND A FINAL ORDER WILL BE ENTERED WITHOUT FURTHER NOTICE. If you request a hearing, you will have the right to be represented by counsel or other qualified representative; to offer testimony, either written or oral; to call and cross-examine witnesses; and to have subpoenas and subpoenas duces tecum issued on your behalf. Pursuant to Section 120.573, Florida Statutes, mediation is not available. NOTICE TO APPLICANT In accordance with the Americans with Disabilities Act, persons with disabilities needing a special accommodation to participate in this proceeding should contact the Agency Clerk no later than seven (7) days prior to the filing deadline or proceeding, at the Office of Financial Regulation, the Fletcher Building, Suite 504, 101 East Gaines Street, Tallahassee, Florida 32399-0379, Phone: (850) 410-9889, or by E-mail: agency.clerk@flofr.gov. 3

If you have any questions regarding any of the matters discussed in this letter, please contact Margo Du Val, Assistant General Counsel, Office of Financial Regulation, at (850) 410- 9824. 3~ C. (0.,,4, Gregory C. Oaks, Director Division of Consumer Finance CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of the foregoing has been furnished to Carmen Michael Celline via U.S. mail at 6604 7th Avenue Circle West, Bradenton, Florida 34209, and via electronic mail at carmencelline@gmail.com on this 30th day of April, 2026. 4 -n11_ ~ ;rAJ~ i~ VrU!_ Margo A. uVal Assistant General Counsel Fla. Bar No. 122205 Office of Financial Regulation 200 E. Gaines Street Tallahassee, FL 32399 Tel: (850) 410-9824 Email: margo.duval@flofr.gov

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 136796 Carmen Michael Celline 6604 7th Avenue Circle West Bradenton, Florida 34209 ELECTION OF PROCEEDING I have received and read the Notice of Intent to Deny, including the Notice of Rights, filed by the Office of Financial Regulation ("Office") regarding the above-referenced applicant, and I am requesting disposition as indicated below. PLEASE SELECT ONLY ONE OF THE OPTIONS: OPTION #1: D I would like to withdraw my application. OPTION #2: D I do not request a hearing in this matter. 1512. not dispute any of the Office's factual allegations and application of the law as stated in the Notice of Intent to Deny. I understand that upon my waiving the right to a hearing, the Office may enter a final order denying licensure as set forth in the Notice of Intent to Deny. OPTION #3: D I do not dispute any of the Office's factual allegations but dispute the Office's conclusions of law to those factual allegations, and request disposition of this matter by informal hearing pursuant to section 120.57(2), Florida Statutes. I request to (CHECK ONLY ONE OF THE FOLLOWING 2 OPTIONS): a. 0 Attend a hearing by video teleconference before a Hearing Officer appointed by the Office; OR b. 0 Submit a written statement with supporting documentation to a Hearing Officer appointed by the Office. OPTION #4: D I do dispute one or more of the Office's factual allegations. I request a hearing before the Division of Administrative Hearings (DOAH) pursuant to section 120.57(1), Florida Statutes. In accordance with Rule 28-106.201(2)(d), FAC, I am attaching a copy of the material facts that I dispute. TO PRESERVE YOUR RIGHT TO A HEARING, A RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION AGENCY CLERK NO LATER THAN 5:00 P.M. ON OR BEFORE THE TWENTY-FIRST DAY AITTR RECEIPT OF THE NOTICE OF INTENT TO DENY, AS FOLLOWS:

1. By email: Agency.Clerk@flofr.gov; or
2. By U.S. Mail: P.O. Box 8050, Tallahassee, Florida 32314-8050; or
3. By hand delivery: Office of General Counsel, Suite 504, Fletcher Bldg., 101 E. Gaines Street, Tallahassee, FL 32399. Signature of Applicant or Mailing Address Authorized Representative of Applicant Printed Name & Title City State Zip Date E-mail Address Telephone Number Form: OFR-GC-14 (rev. 1/28/2026) Page 1 of 2

Case No: 136796 Carmen Michael Celline 6604 7th Avenue Circle West Bradenton, Florida 34209 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION uyou ARE TO COMPLITT THE FOLLOWING ONLY IF YOU HAVE CHECKED OPTION #4 ON THE PRECEDING PAGE. If you need more space, you may provide additional pages. As the applicant or the authorized representative of the applicant, I am disputing the following material facts: Signature of Applicant or Authorized Representative Date Form: OFR-GC-14 (rev. 1/28/2026) Page 2 of2

Florida Office of Fina ncial Regulation 00 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQUESTED / ' Carmen Michael Celline 6604 7th A venue Circle West Bradenton, Florida34209 "

Duval, Margo From: Sent: To: Cc: Subject: Attachments: Duval, Margo Thursday, April 30, 2026 12:06 PM 'carmencelline@gmail.com' OFR Notice Of Intent Filings Carmen Michael Celline - Notice of Intent to Deny - Case No. 136796 136796 - CARMEN MICHAEL CELLINE - NOID.pdf; 136796 - CARMEN MICHAEL CELLINE

• EOP.pdf STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: CARMEN MICHAEL CELLINE, Case Numb ff': 136796 Petitioner. Dear Carmen Michael Celline, Attached, please find a Notice of Intent to Deny your application for a Florida loan originator license, as well as an Election of Proceeding fonn outlining your due process rights. Sincerely, Margo A. Du Val Senior Attorney Office of General Counsel Office of Financial Regulation 200 E. Gaines Street Tallahassee, FL 32399 Office: (850) 410-9824 Promoting a safe marketplace for financial success Please note that pursuant to chapter 119, Florida Statutes, correspondence with the Office of Financial Regulation is considered public record. This correspondence is available to the public upon request unless exempt from disclosure. 1