Final Order Denying Loan Originator License Application for James M. Vadella

Index: 0£:R_ 1-[)LV) - ~ STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: JAMES M. VADELLA, Case Number: 135261 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 JAMES M. V ADELLA ("Petitioner"). FINDINGS OF FACT

1. On March 2, 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; both were returned as undeliverable. (Exhibit A)
2. On April 1, 2026, true and correct copies of the Notice of Intent to Deny were furnished via U.S. mail to Petitioner's new mailing address provided by the U.S. Postal Service and via email to Petitioner's email address ofrecord and to his other known email addresses; only the email sent to Petitioner's email address ofrecord was returned as undeliverable. (Exhibit B)
3. 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 of Intent 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 FAIL URE TO RESPOND 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. 4. To date, the Office has not received a written response or a request for hearing from Petitioner, and/or a claim of equitable tolling. 5. The uncontested allegations in the Notice of Intent to Deny are hereby incorporated by reference and adopted as Findings of Fact in this Final Order. CONCLUSIONS OF LAW 6. The Office is responsible for the administration and enforcement of chapter 494, Florida Statutes, and has jurisdiction over the subject matter and Petitioner, pursuant to chapter 494, Florida Statutes. 7. The Findings of Fact herein serve as the basis of the entry of this Final Order against Petitioner. 8. 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. 9. 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. 10. 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 2

asserting his rights, or has timely asserted his rights in the wrong forum. Machules v. Dept. of Admin., 523 So.2d 1132 (Fla. 1988). 11. 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). 12. The Notice of Intent 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). 13. Because Petitioner failed to timely 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. 14. 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. 15. Petitioner's waiver of his rights to a hearing, 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 ~ J day of May, 2026, in Tallahassee, Leon County, Florida. Commissioner 3

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 PROCEEDINGS 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 Bv 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 DRAYTON 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 DAYS 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 furnished to James M. Vadella via U.S. mail at 2540 Fairfield Dr., Cocoa, Florida 32926, and via electronic mail at jimmy@starstaff.us, jimvadella@yahoo.com, and james_vadella@yahoo.com on this~ ay of May, 2026. 5 Office of Financial Regulation Post Office Box 8050 Tallahassee, FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

Commissioner Russell C. Weigel, III March 2, 2026 James M. Vadella 6146 Arlington Circle Melbourne, Florida 32940 jimmy@starstaff.us 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.: 2538449 File No.: 161318 OFR Case No.: 135261 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 James M. Vadella' 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 October 1, 2025, James M. Vadella (" Applicant") submitted an application to the Office for licensure as a loan originator.
2. On October 1, 1997, in case number 3:CR-97-214-01, in the United States District Court for the Middle District of Pennsylvania, Applicant entered a plea of guilty to Conspiracy to Commit Mail Fraud, 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.flofr.gov 200 East Gaines Street, Tallahassee, Florida 32399-0370 (850) 487-9687 • FAX (850) 410-9663

[A]n 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 sections 494.00255(l)(j) 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 nolo contendere to, regardless of adjudication, any felony or any crime involving fraud, dishonesty, breach of trust, money laundering, or act of moral turpitude. 7. Pursuant to section 494.0011(2)(c), Florida Statutes, and 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. 8. Pursuant to Rule 69V-40.00112(2)( e ), Florida Administrative Code, a charge in the nature of conspiracy to commit a crime, is classified the same as the crime itself. 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(3)(a), Florida Administrative Code, an applicant whose law enforcement record includes a class "A" crime is not eligible for licensure. 11. Pursuant to Rule 69V-40.00112(13)(a), Florida Administrative Code: (13) Class "A" Crimes include all felonies involving an act of fraud, dishonesty, or a breach of trust, or money laundering, and the Office finds that such crimes constitute crimes of moral turpitude. The Office finds the following list of crimes are Class "A" crimes. This list is representative only and shall not be construed to constitute a complete or exclusive list of all crimes that are Class "A" crimes. No inference should be drawn from the absence of any crime from this list. (a) Any type of fraud, including but not limited to Fraud, Postal Fraud, Wire Fraud, Securities Fraud, Welfare Fraud, Defrauding the Government, Credit Card Fraud, Defrauding an Innkeeper, Passing worthless check(s) with intent to defraud. 12. The felony crime of Mail Fraud is the same as the Class "A" crime of Postal Fraud. 13. Applicant's felony crime of Conspiracy to Commit Mail Fraud is classified as the felony crime of Mail Fraud because Rule 69V-40.00112(2)(e), Florida Administrative Code, classifies conspiracy to commit a crime the same as the crime itself~ thus, Applicant's felony crime of Conspiracy to Commit Mail Fraud constitutes a class "A" crime. 2

14. Because Applicant pied guilty to a Class "A" crime, he is ineligible to hold a loan originator license in Florida and, therefore, grounds exist to deny Applicant's application. The facts stated herein are grounds to deny James M. Vadella'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 James M. V adella of its intent to deny his application for licensure as a loan originator. 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 28-106.104(2), Florida Administrative Code, Rule 28-106.201, Florida Administrative Code, or Rule 28-106.301, Florida Administrative Code, and must be filed with: B v 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 By 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 an, time prior to the expiration of the 21 davs. you ma · withdraw vour application for a loan ori4inator license through the Nationwide Multistate Licensimr Svstem and bv notifring the Office in writing. In the event that vou withdraw vour application. no license will be issued. Submit 'Our written withdrawal notice to Mamo Du Val. Assistant General Counsel. P.O. Box 8050. Tallahassee. Florida 32314-8050. or at mar1:to.duvalriMlofr.u.ov. YOUR FAIL URE TO RESPOND 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. J ~ O.rtJk 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 fwnished to James M. Vadella via U.S. mail at 6146 Arlington Circle, Melbourne, Florida 32940, and via electronic mail at jimmy@starstaff.us, jimvadella@yahoo.com, and james_ vadella@yahoo.com on this l,& day of March, 2026. 4 7r111 ,yA f.\ 1~ ¼l( Margo A. Du Val 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: 135261 James M. Vadella 6146 Arlington Circle Melbourne, Florida 32940 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. I do 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 den In 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. D Attend a hearing by video teleconference before a Hearing Officer appointed by the Office; OR b. D 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. tn accordance with Rule 28-106.201(2)(dl, FAC, I am attaching a co py 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 AFTER 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: 135261 James M. Vadella 6146 Arlington Circle Melbourne, Florida 32940 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION **YOU ARE TO COMPLETE 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 of 2

Florida Office of Financial Regulation 200 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQUESTED ... Jrunes M. Vadella 6146 Arlington Circle Melbourne, Florida 32940

Duval, Margo From: Sent: To: Cc: Subject: Attachments: Duval, Margo Tuesday, March 3, 2026 1:48 PM jimmy@starstaff.us; jimvadella@yahoo.com; james_vadella@yahoo.com OFR Notice Of Intent Filings James M Vadella - Notice of Intent to Deny - Case No. 135261 135261 - JAMES M VADELLA- NOID.pdf; 135261 - JAMES M VADELLA- EOP.pdf STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: JAl\fESM. VADELLA, Case Numb ff': 135261 Pe1itione1·. Dear James M. Vadella, Attached, please find a Notice of Intent to Deny your application for a Florida loan originator license, as well as an Election of Proceeding form 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

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Duval, Margo From: Microsoft Outlook To: jimmy@starstaff.us Sent: Tuesday, March 3, 2026 1 :48 PM Subject: Undeliverable: James M Vadella - Notice of Intent to Deny - Case No. 135261 Office365 Your message to jimmy@starstaff.us couldn't be delivered. jimmy wasn't found at starstaff.us. Margo.Duval Action Required Unknown To address How to Fix It Office 365 jimmy Recipient The address may be misspelled or may not exist. Try one or more of the following: • Send the message again following these steps: In Outlook, open this non-delivery report (NDR) and choose Send Again from the Report ribbon. In Outlook on the web, select this NDR, then select the link "To send this message again, click here." Then delete and retype the entire recipient address. If prompted with an Auto-Complete List suggestion don't select it. After typing the complete address, click Send. • Contact the recipient (by phone, for example) to check that the address exists and is correct. • The recipient may have set up email forwarding to an incorrect address. Ask them to check that any forwarding they've set up is working correctly. • Clear the recipient Auto-Complete List in Outlook or Outlook on the web by following the steps in this article: Fix email delivery issues for error code 5.1 .1 in Office 365, and then send the message again. Retype the entire recipient address before selecting Send. If the problem continues, forward this message to your email admin. If you're an email admin, refer to the More Info for Email Admins section below. 1

Was this helpful? Send feedback to Microsoft. More Info for Email Admins Status code: 550 5.1. 1 This error occurs because the sender sent a message to an email address outside of Office 365, but the address is incorrect or doesn't exist at the destination domain. The error is reported by the recipient domain's email server, but most often it must be fixed by the person who sent the message. If the steps in the How to Fix It section above don't fix the problem, and you're the email ad min for the recipient, try one or more of the following: The email address exists and is correct - Confirm that the recipient address exists, is correct, and is accepting messages. Synchronize your directories - If you have a hybrid environment and are using directory synchronization make sure the recipient's email address is synced correctly in both Office 365 and in your on-premises directory. Errant forwarding rule - Check for forwarding rules that aren't behaving as expected. Forwarding can be set up by an admin via mail flow rules or mailbox forwarding address settings, or by the recipient via the In box Rules feature. Mail flow settings and MX records are not correct - Misconfigured mail flow or MX record settings can cause this error. Check your Office 365 mail flow settings to make sure your domain and any mail flow connectors are set up correctly. Also, work with your domain registrar to make sure the MX records for your domain are configured correctly. For more information and additional tips to fix this issue, see Fix email delivery issues for error code 550 5.1.1 in Office 365. Original Message Details Created Date: 3/3/2026 6:48:01 PM Sender Address: Recipient Address: Subject: Error Details Error: Margo.Duval@flofr.gov jimmy@starstaff.us James M Vadella - Notice of Intent to Deny - Case No. 135261 550 5. 7. 7 <jimmy@starstaff.us >: Recipient address rejected: undeliverable address: host dispatchdc7.mdlocal[10.110.49.74] said: 550 5.1. 7 jimmy@starstaff.us: Recipient address rejected: undeliverable address: host starstaff￾us.mail.protection.outlook.com[52. 101.9.21] said: 550 5.4.1 Recipient address rejected: Access denied. For more information see https.//aka.ms/EXOSmtpErrors [BL6PEPF00020E63. namprd04.prod.outlook.com 2026-03- 2

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Commissioner Russell C. Weigel, ID March 2, 2026 James M. Vadella 6146 Arlington Circle Melbourne, Florida 32940 jimmy@starstaff.us 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.: 2538449 File No.: 161318 OFR Case No.: 135261 Exhibit B 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 ("Officen), by this letter intends to deny James M. Vadella's application for licensure as a loan originator in the State of Florida. The reasons for the denial are as follows: FINDINGS OF FACT I . On October 1, 2025, James M. V adella ("Applicant") submitted an application to the Office for licensure as a loan originator. 2. On October 1, 1997, in case number 3:CR-97-214-01, in the United States District Court for the Middle District of Pennsylvania, Applicant entered a plea of guilty to Conspiracy to Commit Mail Fraud, 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.tloft.gov 200 East Gaines Street, Tallahassee, Florida 32399-0370 (850) 487-9687 • FAX (850)410-9663

[AJn 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 tenns 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 sections 494.00255(1)(j) 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 nolo contendere to, regardless of adjudication, any felony or any crime involving fraud, dishonesty, breach of trust, money laundering, or act of moral turpitude. 7. Pursuant to section 494.0011(2)(c), Florida Statutes, and 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. 8. Pursuant to Rule 69V-40.00112(2)( e ), Florida Administrative Code, a charge in the nature of conspiracy to commit a crime, is classified the same as the crime itself. 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(3)(a), Florida Administrative Code, an applicant whose law enforcement record includes a class "A" crime is not eligible for licensure. 11. Pursuant to Rule 69V-40.00112(13)(a), Florida Administrative Code: (13) Class "A" Crimes include all felonies involving an act of fraud, dishonesty, or a breach of trust, or money laundering, and the Office finds that such crimes constitute crimes of moral turpitude. The Office finds the following list of crimes are Class "A" crimes. This list is representative only and shall not be construed to constitute a complete or exclusive list of all crimes th.at are Class "A" crimes. No inference should be drawn from the absence of any crime from this list. (a) Any type of fraud, including but not limited to Fraud, Postal Fraud, Wire Fraud, Securities Fraud, Welfare Fraud, Defrauding the Government, Credit Card Fraud, Defrauding an Innkeeper, Passing worthless check(s) with intent to defraud. 12. The felony crime of Mail Fraud is the same as the Class "A" crime of Postal Fraud. 13. Applicant's felony crime of Conspiracy to Commit Mail Fraud is classified as the felony crime of Mail Fraud because Rule 69V-40.00112(2)(e), Florida Administrative Code, classifies conspiracy to commit a crime the same as the crime itself; thus, Applicant's felony crime of Conspiracy to Commit Mail Fraud constitutes a class "A" crime. 2

14. Because Applicant pied guilty to a Class "A" crime, he is ineligible to hold a loan originator license in Florida and, therefore, grounds exist to deny Applicant's application. The facts stated herein are grounds to deny James M. Vadella'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 James M. V adella of its intent to deny his application for Ii censure as a loan originator. 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 28-106.104(2), Florida Administrative Code, Rule 28-106.201, Florida Administrative Code, or Rule 28-106.301, Florida Administrative Code, and must be filed with: Bv MaUor E-mail Agency Clerk Office of Financial Regulation P .0. Box 8050 Tallahassee, Florida 32314-8050 Phone: (850) 410-9889 Agency.Clerk@flofr.gov OR By Hand Deliven.· 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 atl'_ time prior.to the. ex.r_iration of fue 21 da"s. vou.mav withdraw vow ae1Jlication for a loan originator lic~se thrnu!!h the Nationwide Multis.t,at~ iicensing Svstem and by I).otifyin_g tA~,Qffice iQ.. writing. bi the ~v.ent that y9µ withdraw vour applicatj_Qn, I),C> li~!1Se will l}~j~su~g~ S!!°Qmi:t .Y9Yr. written withdrawal notic~J Q .M~r,gQ, Du Val. Assistant General G2!.IQ§el. P.O, Box 8QSO. T~lahass~~- FloridaJ2314-8050. or.at.!ll~duval@·flo~ YOUR FAILURE TO RESPOND 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 tecu.m 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. :a,:ly,

• ~.(()A,W 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 James M. Vadella via U.S. mail at 6146 Arlington Circle, Melbourne, Florida 32940, and via electronic mail at jimmy@starstaff.us, jimvadella@yahoo.com, and james_ vadella@yahoo.com on this M.. day of March, 2026. 4 it/.1 <j1-I-{ l\ 1" ¼li!. Margo A·:-'Ou Val 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

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Notice of Intent to Deny has been sent for service via U.S. Mail to James M. Vadel1a at 2540 Fairfield Dr., Cocoa, Florida 32926, and via electronic mail at jimmy@starstaff.us, jimvadella@yahoo.com, and james _ vadella@yahoo.com on this 1st day of April, 2026. 2nd Attempt 7!1,t 1i:/1d ~i,Vru!__, Margo A. 'DuVal Assistant General Counsel Fla. Bar No. 122205 Office of Financial Regulation 200 E. Gaines Street Tallahassee, Florida 32399 Tel: (850) 410-9824 Email: margo.duval@flofr.gov

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 135261 James M. Vadella 6146 Arlington Circle Melbourne, Florida 32940 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 lam requesting disposition as indicated below. PLEASE SELECT ONLY ONE OF THE OPTIONS: OPTION #1: D I would llke to withdraw my application. OPTIO~Jt~: D I don.Qt request a hearing in this matter. I do 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 ~~~r ii final order_~e,{!yin,g_ llcensure as set forth in the Notice of Intent to Deny. OPTIO~.: 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. D Attend a hearing by video telgc.Qpf~rence before a Hearing Officer appointed by the Office; OR b. D Submit a written statemetit with supporting documentation to a Hearing Officer appointed by the Office. QfTION_,!4: 0 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, t~.rn.attachin,: a t <W.r.ofthe materialfacts that I ~j 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 BEFl:>RE THE TWEN!Y:flRST DAY AFTER 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: 0FR-GC-14 (rev 1/28/2026) Page 1 of 2

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 135261 James M. Vadella 6146 Arlington Circle Melbourne, Florida 32940 **YOU ARE TO COMPLETE 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 of 2

Florida Office of Financial Regulation 200 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQUESTED ,,. James M. Vadella 2540 Fairfield Dr. Cocoa, Florida 3 2926 -....

Duval, Margo From: Sent: To: Cc: Subject: Attachments: Duval, Margo Wednesday, April 1, 2026 11 :23 AM jimmy@starstaff.us; jimvadella@yahoo.com; james_vadella@yahoo.com OFR Notice Of Intent Filings FW: James M Vadella - Notice of Intent to Deny- Case No. 135261 135261 - JAMES M VADELLA - NOID.pdf; 135261 - JAMES M VADELLA- EOP.pdf; 2nd attempt - 135261 - JAMES M VADELLA -NOID.pdf STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: JAMES M. V ADELLA. Case Numb et·: 135261 Petition ea·. Dear James M. Vadella, Attached, please find the Notice oflntent to Deny your application for a Florida loan originator license and the Election of Proceeding form outlining your due process rights that were emailed and mailed to you on March 3, 2026. Also attached, please find a copy of those same documents that have now been mailed today to you at 2540 Fairfield Dr., Cocoa, Florida 32926. Sincerely, Margo A. DuVal 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 1

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. From: Duval, Margo Sent: Tuesday, March 3, 2026 1:48 PM To: jimmy@starstaff.us; jimvadella@yahoo.com; james_vadella@yahoo.com Cc: OFR Notice Of Intent Filings OFR-NoticeoflntentFilings@flofr.gov Subject: James M Vadella - Notice of Intent to Deny - Case No. 135261 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: JAMES M. V ADELLA, Petitioner. Dear James M. Vadella, Case Number: 135261 Attached, please find a Notice oflntent to Deny your application for a Florida loan originator license, as well as an Election of Proceeding form 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. 2

Duval, Margo From: Microsoft Outlook To: jimmy@starstaff.us Sent: Wednesday, April 1, 2026 11 :23 AM Subject: Undeliverable: FW: James M Vadella - Notice of Intent to Deny- Case No. 135261 Office365 Your message to jimmy@starstaff.us couldn't be delivered. jimmy wasn·t found at starstaff.us. Margo.Duval Action Required Unknown To address How to Fix It Office 365 jimmy Recipient The address may be misspelled or may not exist. Try one or more of the following: • Send the message again following these steps: In Outlook, open this non-delivery report (NDR) and choose Send Again from the Report ribbon. In Outlook on the web, select this NDR, then select the link "To send this message again, click here." Then delete and retype the entire recipient address. If prompted with an Auto-Complete List suggestion don't select it. After typing the complete address, click Send. • Contact the recipient (by phone, for example) to check that the address exists and is correct. • The recipient may have set up email forwarding to an incorrect address. Ask them to check that any forwarding they've set up is working correctly. • Clear the recipient Auto-Complete List in Outlook or Outlook on the web by following the steps in this article: Fix email delivery issues for error code 5.1 .1 in Office 365, and then send the message again. Retype the entire recipient address before selecting Send. If the problem continues, forward this message to your email ad min. If you're an email admin, refer to the More Info for Email Admins section below. 1

Was this helpful? Send feedback to Microsoft. More Info for Email Admins Status code: 550 5.1.1 This error occurs because the sender sent a message to an email address outside of Office 365, but the address is incorrect or doesn't exist at the destination domain. The error is reported by the recipient domain's email server, but most often it must be fixed by the person who sent the message. If the steps in the How to Fix It section above don't fix the problem, and you're the email admin for the recipient, try one or more of the following: The email address exists and is correct - Confirm that the recipient address exists, is correct, and is accepting messages. Synchronize your directories - If you have a hybrid environment and are using directory synchronization make sure the recipient's email address is synced correctly in both Office 365 and in your on-premises directory. Errant forwarding rule - Check for forwarding rules that aren't behaving as expected. Forwarding can be set up by an admin via mail flow rules or mailbox forwarding address settings, or by the recipient via the lnbox Rules feature. Mail flow settings and MX records are not correct - Misconfigured mail flow or MX record settings can cause this error. Check your Office 365 mail flow settings to make sure your domain and any mail flow connectors are set up correctly. Also, work with your domain registrar to make sure the MX records for your domain are configured correctly. For more information and additional tips to fix this issue, see Fix email delivery issues for error code 550 5.1 .1 in Office 365. Original Message Details Created Date: 4/1/2026 3:22:36 PM Sender Address: Recipient Address: Subject: Error Details Error: Margo.Duval@flofr.gov jimmy@starstaff.us FW: James M Vadella - Notice of Intent to Deny - Case No. 135261 550 5.1. 1 jimmy@starstaff.us: Recipient address rejected: undeliverable address: host dispatchdc1.mdlocal[70.110.49. 702] said: 550 5. 1. 7 jimmy@starstaff.us: Recipient address rejected: undeliverable address: host starstaff￾us.mail.protection.outlook.com[52. 107. 11. 10] said: 550 5.4.1 Recipient address rejected: Access denied. For more information see https://aka.ms/EXOSmtpErrors 2

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