Final Order — Loan Originator

Index: OFR 2026 - 389
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
MAXINE CA VIN EHRENFRIED, Case Number: 117119
Respondent.
FINAL ORDER
This cause came on for consideration and final agency action. Upon review of the record and being othetwise 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 3cd day of August, 2026, in Tallahassee, Leon County, Florida.

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished via electronic mail to Respondent, Maxine Cavin Ehrenfried at maxineehrenfried@primeres.com and to Respondent's counsel, Colin Roopnarine, Esq. at c.roopnarine@grblawfirm.com, on this 3rd day of August, 2026. 2 ulation a s 4-8050 Emmi: Agency.Clerk@flofr.gov Tel: (850) 410-9889

Exhibit A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
MAXINE CA VIN EHRENFRIED, Case Number: 117119
Respondent.
STIPULATION AND CONSENT AGREEMENT
The State of Florida, Office of Financial Regulation ("Office"), and Maxine Cavin Ehrenfried ("Respondent"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:

1. Background. At all times material hereto, Respondent was a licensed loan
   originator as that term is defined in section 494.001 (18), Florida Statutes, having been issued license number LO560. Respondent has also been registered with the Nationwide Multistate Licensing System ("NMLS"), having been issued NMLS identification number 341489. On or about April 29, 2022, the Mortgage Testing and Education Board ("MTEB") found that Respondent violated the NMLS Rules of Conduct. Consequently, the Office issued an Administrative Complaint ("Complaint") on February 25, 2026. In response, Respondent timely requested a hearing pursuant to section 120.57(1), Florida Statutes. The parties are resolving the issues herein prior to conducting any hearing in this matter.

2. Jurisdiction. Pursuant to section 494.011, Florida Statutes, the Office is charged
   with the responsibility of administering and enforcing the provisions of chapter 494, Florida Statutes. The Office has jurisdiction to bring this administrative action against Respondents pursuant to chapter 494, Florida Statutes.

3. Findings. For purposes of this Stipulation and Consent Agreement, Respondent
   neither admits nor denies but consents to the Office's finding that Respondent was found to have violated the NMLS Rules of Conduct by the MTEB, in violation of section 494.00255(1)(y), Florida Statutes.

4. Terms and Conditions. Respondent 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 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 matters stated herein and in consideration of the Office's forbearance from fmiher litigation, Respondent agrees to the following terms and conditions:
   a. FUTURE COMPLIANCE. Respondent agrees that she shall cease and desist from violations of chapter 494, Florida Statutes, and the rules promulgated thereunder, and comply with all provisions of chapter 494, Florida Statutes, and the rules promulgated thereunder. b. ADMINISTRATIVE FINE. Respondent agrees to and shall pay the Office a total administrative fine of Two Thousand Dollars ($2,000.00). The administrative fine shall be submitted in the form of a wire, cashier's check, or money order made payable to the "Office of Financial Regulation" and shall be sent to the attention of Agency Clerk- c/o Attorney Joaquin Alvarez, Post Office Box 8050, Tallahassee, Florida 32314-8050. Respondent acknowledges and agrees that in accordance with section 215.31, Florida Statutes, regarding the deposit of monies: (i) the tendered fine or settlement check proceeds may be deposited in advance of full execution or acceptance of the proposed Stipulation and Consent Agreement; and (ii) such 2

deposit shall not be construed as a final acceptance of the Stipulation and Consent Agreement absent full execution thereof and entry of a Final Order adopting same.
5. Final Order. Respondent consents to the entry of a final order, which incorporates
the terms of this Stipulation and Consent Agreement. Respondent 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 agency action by the Office for which the Office may seek enforcement pursuant to the provisions of chapters 494 and 120, Florida Statutes.
6. Waiver. By Respondent's consent to the entry of a Final Order with respect to this
proceeding, Respondent waives:
a. Any right to separately stated Findings of Pact 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.
7. Releases. Upon full execution of this Stipulation and Consent Agreement,
Respondent waives, releases and forever discharges the Office and its agents, representatives, and 3

employees from any and all causes of action, in law or in equity, which Respondent may have arising out of this matter. The Office accepts this release and waiver by Respondent on behalf of itself, its agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist.
8. Failure to Comply. Respondent acknowledges, concurs, and stipulates that
Respondent's failure to comply with any of the terms, obligations, and conditions of this Stipulation and Consent Ag1·eement, 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, and the initiation of other possible administrative action. However, nothing herein shall be construed to limit Respondent's rights to contest any finding or determination of non-compliance.
9. Attorney'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 entry of the Final Order adopting this Stipulation and Consent Agreement.
10. 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.
11. Counterpa1·ts. This Stipulation and Consent Agreement may be executed in any
number of counterparts, and by the patties 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. 4

12. Entire Agreement. This Stipulation and Consent Agreement represents the entire
    agreement by and between Respondent 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 Respondent 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 Respondent execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below. (Remainder o(page intentionally le ft blank) 5

BY RESPONDENT MAXINE CAVIN EHRENFRIED:
Date: \ .. \p , ~lp
State of Florida
County of Broward
Maxine Cavin Ehrenfried, BEFORE ME by means of MPhysical presence or [] online notarization has sworn ( or affirmed) that she has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this fa v-- day o Check the appropriate box:
Personally known D
OR Produced Identification llJ
Type of identification produced ~
□
Driver's License
Passport
Other ----- -- (Do not include ID number)
OFFICE OF FINANCIAL REGULATION
Date: 7/29/2026
JOHN RAMIREZ
Notary Public, _State of Florida commission# HH 739294 My comm. expires Oeo. 28, 2029 ~m,,~;£:,k-' ----------- Division of Consumer Finance 6