Final Order — Loan Originator

Index: OFR 2026- 497
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
CARLOS MANUEL GONZALEZ, JR., Case No. 124373
Petitioner,
FINAL ORDER
This cause came on for consideration and final agency action. Upon review of the record and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds:

1. The Office has jurisdiction over the subject matter of this case and the parties
   hereto.
2. The entry of this Final Order concludes the above-referenced matter.
   ORDERED:
   A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law. B. The parties shall comply with all terms of the Stipulation and Consent Agreement. DONE and ORDERED this /2-t',i. day of October, 2026, in Tallahassee, Leon County, Florida.

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order was furnished to Laura Fabricio counsel for Petitioner by electronic mail to laura@fabriciolaw.com on this \ 2.-.'~ay of October, 2026. ation >o Tallahassee, 14-8050 Email: Ag cy.Clerk@flofr.gov Tel: (850) 410-9889

Exhibit A
ST ATE OF FLORIDA
DIVISION OF ADMINISTRATIVE HEARINGS
CARLOS MANUEL GONZALEZ, JR.,
Petitioner, vs.
OFFICE OF FINANCIAL REGULATION,
Respondents.
____________________ /.
Agency Case No. 124373
DOAH Case No. 26-1666
STIPULATION AND CONSENT AGREEMENT
The State of Florida, Office of Financial Regulation ("Office"), and Carlos Manuel Gonzalez, Jr. ("Gonzalez" or "Respondent"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:
I. Background. Carlos Manuel Gonzalez, Jr. has held a loan originator license
(LO107979) with the Office since May 20, 2022. On November 8, 2023, in Case No. 23011912CF1 0A, in the Circuit Court of the Seventeenth Judicial Circuit in and for Broward County, Florida, an Information was filed against Gonzalez charging him with DUI Causing Serious Bodily Injury, a third degree felony. On November 1, 2024, Gonzalez requested a renewal of his loan originator license. The Office issued a Notice oflntent to Deny based on the pending felony case. The parties are resolving the issues herein with this Stipulation and Consent Agreement in lieu of the Office conducting further proceedings on this matter.
2. Jurisdiction. The Office is the state agency charged with the administration and
enforcement of chapter 494, Florida Statutes, and the rules promulgated thereunder. The Office has

jurisdiction to bring this administrative action against Petitioner pursuant to chapter 494, Florida Statutes. 3 Terms and Conditions. Petitioner and the Office agree that the issues raised can be expeditiously resolved without a hearing and that further litigation can be avoided by the execution of this Stipulation and Consent Agreement. The parties acknowledge that they have read this Stipulation and Consent Agreement and fully understand the rights, obligations, terms, duties, and responsibilities with respect to its contents. Therefore, in compromise and settlement of the foregoing and in consideration of the Office's forbearance from further litigation, the parties agree to the following terms and conditions:
a. LICENSE SURRENDER. Petitioner shall voluntarily surrender his loan originator license (LO 107979). TI1e license termination shall be effectuated by the Office on September 30, 2026. At that time, any and all rights and privileges pertaining to those holding such license shall terminate. b. REQUEST FOR HEARING. hearing. Petitioner agrees to withdraw his request for Final Order. Petitioner consents to the entry of a final order, which incorporates the terms of this Stipulation and Consent Agreement. Petitioner understands and agrees that this Stipulation and Consent Agreement is subject to the final approval of the Office of Financial Regulation and the entry of the Final Order adopting such Agreement. In the event that the Final Order is not entered, this Stipulation and Consent Agreement shall be null and void. The Final Order incorporating this Stipulation and Consent Agreement constitutes final action by the Office for which the Office may seek enforcement pursuant to the provisions of chapters 494 and 120, Florida Statutes.

4. Waiver. By Petitioner's consent to the entry of the Final Order with respect to this
   proceeding, Petitioner waives:
   a) Any right to separately stated Findings of Fact and Conclusions of Law; b) Any right to receipt of a Notice of Rights pursuant to chapter 120, Florida Statutes; c) Any right to an administrative hearing or issuance of a Recommended Order pursuant to chapter 120, Florida Statutes; and d) Any right to contest in any administrative forum or judicial proceeding (including, but not limited to, an appeal pursuant to section 120.68, Florida Statutes) the validity of any term, condition, obligation, or duty expressly created in this Stipulation and Consent Agreement and the Final Order.
5. Releases. Upon full execution of this Stipulation and Consent Agreement,
   Petitioner waives, releases, and forever discharges the Office and its agents, representatives, and employees from any and all causes of action, in law or in equity, which Petitioner may have arising out of this matter. The Office accepts this release and waiver by Petitioner on behalf of himself, his agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist.
6. Failure to Comply. Petitioner acknowledges, concurs, and stipulates that
   Petitioner's failure to comply with any of the terms, obligations and conditions of this Stipulation and Consent Agreement, and the Final Order adopting it, is a violation of the written agreement and the Final Order entered pursuant to chapters 120 and 494, Florida Statutes. Such non￾compliance may result in the issuance of an emergency cease and desist order. However, nothing

herein shall be construed to limit Petitioner's right to contest any finding or determination of non￾compliance.
7. Attornev' s Fees. Each party herein shall be solely responsible for its separate costs
and attorney's fees incurred in the prosecution, defense, or negotiations in this matter up to and including the entry of the Final Order adopting this Stipulation and Consent Agreement.
8. Severability. The parties agree that if any provision of this Stipulation and Consent
Agreement or the application thereof to any person or circumstance is held invalid, the Stipulation and Consent Agreement will be given effect without the invalid provision, and to this end, the provisions of this Stipulation and Consent Agreement are declared severable.
9. Counterparts. This Stipulation and Consent Agreement may be executed in any
number of counterparts, and by the parties in separate counterparts, each of which will be deemed to be an original but all of which together will constitute but one Stipulation and Consent Agreement. Copies of this Stipulation and Consent Agreement transmitted by facsimile or electronic mail shall have the same validity as if bearing an original signature. l 0. Entire Agreement. This Stipulation and Consent Agreement represents the entire agreement by and between Petitioner and the Office. Any alterations, variations, changes, modifications, or waivers of the provisions hereof shall be valid only when they have been reduced to writing, duly signed by the Office and Petitioner hereto, attached to the original of this Stipulation and Consent Agreement, and subject to the approval of the Office. WHEREFORE, in consideration of the foregoing, the Office and Petitioner execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below. [this .\pace intentionally lefi blank with signatures appearing on the.following page]

BY PETITIONER CARLOS MANUEL GONZALEZ, JR.:
~ dt£ (~ naturtj cJ3 ~ 3
State of .f°( Drud A
County of B~~
Petitioner, Carlos Manuel Gonzalez, Jr. BEFORE ME by means of [/p'hysical presence or [] online notarization, has sworn ( or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this Q£( day of _ _,f\u---=-)--1-l...,.J=~'---'±: ___ , 2026. NO .. j C CASSANDRA CRUZ Check the appropriate box:
Personally known gi
OR Produced Identification □
Type of identification produced ~ Driver's License D Passport . i Notary Publlc • State of Florida '(11 Commission II HH 364593 fl.:,,/ My Comm. Expires Ft!b 20, 2027 ...... Bonded through D Other ______ _ (Do not include ID number) OFFICE OF FINANCIAL REGULATION Bill Morin, Interim Director Division of Consumer Finance Date: 10/9/2026 -----------