Final Order — Money Services Business

Index: OFR 2026 - 363 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: EMNIZZA CHRISTINA LOPEZ, AIKJ A EMNITZA LOPEZ, Respondent. FINAL ORDER Case Number: 133606 The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 560, Florida Statutes, hereby enters this Final Order with Notice of Rights ("Final Order") as authorized by the provisions of chapters J 20 and 560, Florida Statutes, against EMNIZZA CHRISTINA LOPEZ AIKJA EMNITZA LOPEZ ("Respondent"). FINDINGS OFF ACT

1. On June 12, 2026, the Office issued an Administrative Complaint ("Complaint") against Respondent, alleging a violation of chapter 560, Florida Statutes, and seeking an administrative fine of $3,500.00, and a cease and desist order. (Exhibit A)
2. The Office served Respondent with the Complaint via U.S. Certified Mail on June 15, 2026. (Exhibit B)
3. Respondent timely filed a response indicating that she did not dispute any of the Office's factual allegations and conclusions of law, was not requesting a hearing, and consented to the entry of a final order adopting the findings of fact and conclusions of law contained in the Complaint. (Exhibit C)
4. The factual allegations as stated in the Complaint are incorporated herein by reference as if fully set forth herein, and being uncontested by Respondent, are accepted as true and correct and are adopted by the Office as Findings of Fact for purposes of this Final Order. CONCLUSIONS OF LAW
5. The Office is responsible for the administration and enforcement of chapter 560, Florida Statutes, and has jurisdiction over the subject matter and of Respondent pursuant to chapter

560, Florida Statutes. 6. The Findings of Fact that have been adopted herein serve as the basis of the entry of this Final Order against Respondent. 7. Based on the Findings of Fact adopted herein, Respondent's agreement with the conclusions of law contained in the Complaint, and Respondent's waiver of a hearing, the Office concludes that Respondent violated the specific statutes and rules charged in the Complaint and, as such, the specific charges in the Complaint are adopted in this Final Order as Conclusions of Law. 8. The waiver of a hearing by Respondent, taken together with the Findings of Fact and Conclusions of Law adopted herein, constitute sufficient grounds for the Office to take administrative action against Respondent, including the imposition of an administrative fine and a cease and desist order. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED: A. Respondent shall pay an ADMINISTRATIVE FINE of Three Thousand Five Hundred Dollars ($3,500.00), which the Office has already received. B. Respondent shall immediately CEASE and DESIST from any and all money services business activities within the jurisdiction of chapter 560, Florida Statutes, and from acting as an affiliated party of any money services business licensed or required to be licensed by the Office pursuant to chapter 560, Florida Statutes. DONE and ORDERED this //,)t, day of July, 2026, in Tallahassee, Leon County, Florida. Commissioner 2

NOTICE OF RIGHTS A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO ruDICIAL 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: B Mail, Facsimile or Email Agency Clerk Office of Financial Regulation Office of General Counsel P .0. 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 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. 3

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order was furnished to Emnizza Christina Lopez a/k/a Emnitza Lopez by U.S. Mail at 1431 Riverplace Blvd., Apt. 2704, Jacksonville, FL 32207 and by electronic mail at EMNITZA.L@gmail.com on this {b-f~ ay of July, 2026. 4 1cial Regulation ost Offi ox 8050 ee, FL 32314-8050 Em . Agency.Clerk@flofr.gov Tel: (850) 410-9889

Exhibit A STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: EMNIZZA CHRISTINA LOPEZ A/Kl A EMNITZA LOPEZ, Case Number: 133606 Respondent. ADMINISTRATIVE COMPLAINT AND NOTICE OF INTENT TO ISSUE CEASE AND DESIST ORDER The State of Florida, Office of Financial Regulation (''Office"), files this Administrative Complaint against EMNIZZA CHRISTINA LOPEZ A/KIA EMNITZA LOPEZ, ("Respondent"), alleging: GENERAL ALLEGATIONS

1. Pursuant to sections 560.I 05 and 560.109, Florida Statutes, the Office is charged with administering and enforcing the provisions of chapter 560, Florida Statutes, and conducting examinations and investigations to determine whether any provision of chapter 560, Florida Statutes, has been violated.

2. Pursuant to section 560.114(1)(a), Florida Statutes, failure to comply with any provision of chapter 560, Florida Statutes, or related rule or order, constitutes grounds for disciplinary action.

3. Parts II, ill, and N of chapter 560, Florida Statutes, set forth the specific requirements of money services businesses, licenses, and affiliated parties.

4. Section 560.103(23), Florida Statutes, defines a "money services business" as any person doing business in Florida, from Florida, or into Florida from locations outside of Florida who acts as, among other things, a check casher.

5. Section 560.103(6), Florida Statutes, defines a "check casher" as a person who sells currency in exchange for payment instruments received, except travelers checks.

6. Section 560. 103(29), Florida Statutes, defines a "payment instrument" as a check, draft, warrant, money order, travelers check, electronic instrument, or other instrument, used for the transmission, exchange, or payment of currency or monetary value, regardless of whether it is negotiable.

7. Pursuant to section 560.114(l)(a), Florida Statutes, an affiliated party is responsible for, among other things, complying with all provisions of chapter 560, Florida Statutes, or related rule or order.

8. Pursuant to section 560.103( I), Florida Statutes, an "affiliated party" is, among other things, a control person, employee, or a person who has a controlling interest in a money services business.

9. Pursuant to section 560.103(10), Florida Statutes, a "control person" is, among other things, a compliance officer for a money services business or a person who holds any of the officer positions in the money services business.

10. Pursuant to section 560. 127, Florida Statutes, a person has a controlling interest in a money services business if the person, among other things, possesses the power to direct the management or policies of the money services business. 1 1. Pursuant to section 560.103(31 ), Florida Statutes, a "person" is an individual, partnership, association, trust, corporation, limited liability company, or other group, however organized.

11. From May 13, 2022, until May 28, 2024, Respondent was the Compliance Officer of Pepe's Hacienda and Restaurant Corp ("Pepe's"), a formerly licensed Part ill Money Services Business that operated as a check casher, pursuant to chapter 560, Florida Statutes, 2

and held license number FT340001016 from March 22, 2016, until May 28, 2024. Therefore, by operation of law, i.e., pursuant to section 560.103(1 ), Florida Statutes, Respondent was an affiliated party of Pepe's. 13. On May 28, 2024, the Office entered a Final Order against Pepe's and Respondent in Case No. 104542, for violations of chapter 560, Florida Statutes. By that Final Order, Pepe's voluntarily surrendered its money services business license and Respondent agreed to not act as an affiliated party or control person of a company licensed by the Office, or required to be licensed by the Office, for a period of five (5) years from the date of entry of the Final Order. 14. On May 29, 2024, the Office issued money services business Jicense number FT340001354 to Pepe's Hacienda & Restaurant Dupont Corp ("Pepe's Dupont"), pursuant to chapter 560, Florida Statutes. 15. At all times material,Pepe'sDupont is and has been operating as a check casher. 16. The Office conducted an examination (No. 128117) to ascertain Pepe's Dupont's compliance with chapter 560, Florida Statutes. 17. As part of its examination, the Office reviewed Pepe's Dupont's business records and found that during the period of August 14, 2024, through January 12, 2025, Respondent filed ten (10) Currency Transaction Reports ("CTRs") with the Financial Crimes Enforcement Network, United States Department of Treasury ("FinCEN'') related to transactions conducted by Pepe's Dupont that were included on its check cashing database ("CCDB"). 18. The Office's review of Pepe's Dupont's business records furtherresulted in the Office finding that one (1) transaction conducted on September 30, 2024, listed Pepe's Dupont as the payee and listed Respondent as the conductor for Pepe's Dupont; additionally, the back 3

of the payment instrument was endorsed by Respondent as the conductor for the transaction. 19. At all times material, Respondent was and is restricted from acting as an affiliated party or control person of a company licensed by the Office, or required to be licensed by the Office. 20. As a result of the information gathered in examination No. 128117, the Office opened an examination (No. 132456) on September 16, 2025, to ascertain Respondent's compliance with the Final Order entered in Case No. 104542. 21. Pursuant to section 560.114(1 )(a), Florida Statutes, each money services business and its affiliated parties must comply with all provisions of chapter 560, Florida Statutes, and its related rules and orders, and the Office may issue a cease and desist order for failure to comply. 22. Pursuant to section 560.1141, Florida Statutes, the Office has adopted disciplinary guidelines that include ranges of designated penalties applicable to each ground for disciplinary action. 23. Rule 69V-560.1000( 1 ), Florida Administrative Code, provides that the penalties that are applicable to each ground for disciplinary action that may be imposed by the Office against a person for a violation of chapter 560, Florida Statutes, are set forth in the "Office of Financial Regulation, Division of Consumer Finance, Form OFR-560-09, Disciplinary Guidelines for Money Services Businesses." 24. Pursuant to Rule 69V-560.1000(5), Florida Administrative Code, the range for an "A" level administrative fine is between $1,000.00 and $3,500.00. COUNTI 25. The above general allegations are hereby re-a1leged and incorporated by reference as if fully stated herein. 4

26. Pursuant to section 560.123(3), Florida Statutes, and Rule 69V-560.608, Florida Administrative Code, filing CTRs with FinCEN is an activity required of licensed money services businesses.

27. Pursuant to section 560.103(11 ), Florida Statutes, a "corporate payment instrwnent" is a payment instrument on which the payee named on the instrument's face is other than a natural person. Further, pursuant to section 560.309(4), Florida Statutes, a money services business may not accept or cash a payment instrument from a person who is not the original payee; however, it is not prohibited from accepting or cashing a corporate payment instrument from a conductor who is an authorized officer of the corporate payee on the instrument's face.

28. Based on the facts alleged in Paragraphs 12-18 above, during the period of August 14, 2024, through January 12, 2025, Respondent engaged in the activities of an employee of a money services business and in the activities of an authorized officer of Pepe's Dupont by filing the money services business's CTRs with FinCEN and by serving as a conductor for a payment instrument of the money services business.

29. Respondent failed to comply with the provisions of the Office's Final Order entered on May 28, 2024 in Case No. I 04542, in violation of section 560.114(1 )(a), Florida Statutes, by acting as an affiliated party or control person of Pepe's Dupont, a money services business 1icensed by the Office, within the five ( 5) year prohibition period set forth in the Final Order.

30. Pursuant to the Disciplinary Guidelines for Money Services Businesses Fonn OFR-560-09, Incorporated by Reference in Rule 69V-560.l 000, Florida Administrative Code (2024 ), violation number 3, a person cited for violating section 560.114(1 )(a), Florida Statutes, is subject to an "A" level administrative fine. 5

31. Therefore, the Office is seeking an administrative fine of$3,500.00.

32. Pursuant to section 560.114( 1 ), Florida Statutes, an affiliated party's violation of section 560.114(1 )(a), Florida Statutes, constitutes grounds for the issuance of a cease and desist order.

33. Therefore, the Office is seeking the entry of an order requiring Respondent to immediately cease and desist from any and all money services business activities within the jurisdiction of chapter 560, Florida Statutes, and from acting as an affiliated party of any money services business licensed or required to be licensed by the Office pursuant to chapter 560, Florida Statutes. WHEREFORE, Respondent, EMNIZZA CHRISTINA LOPEZ A/Kl A EMNITZA LOPEZ, is hereby notified that the Office intends to enter a Final Order imposing an administrative fine totaling $3,500.00, and a cease and desist order. [this space intentionally left blank with Notice of Rights appearing on the following page] 6

NOTICE OF RIGHTS The respondent is entitled to be represented by counsel or another qua1ified representative. The respondent also has the right to request a hearing pursuant to sections 120.569 and 120.57, Florida Statutes. Such request must comply with Rules 28-106.2015 and 28-106.104, Florida Administrative Code. An Election of Proceeding form is attached for your convemence. Any such request must be filed 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 Deliven· Agency Clerk Office of Financial Regulation Office of General Counsel The Fletcher Building 101 East Gaines Street, Suite 504 Tallahassee, FL 32399 Phone: (850) 410-9889 TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITHIN TWENTY￾ONE (21) DAYS AFfER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY THE OFFICE NO LATER THAN 5:00 P.M. ON THE TWENTY-FIRST DAY AFfER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF THE AFFILIATED PARTY'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE. You may not make an oral request for an administrative hearing. With regard to a written request, if you fail to follow the outlined procedure, your request may be dismissed. Any request for an administrative proceeding received prior to the date of this notice is deemed abandoned and to be considered, must be timely renewed in compliance with the procedure set forth above. Mediation of this matter pursuant to section 120.573, Florida Statutes, is not available. 7

NOTICE TO RESPONDENT In accordance with the Americans with Disabilities Act, persons with disabilities needing 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, 200 East Gaines Street, Tallahassee, Florida 32399, Phone: (850) 410- 9889, or by Email: Agency.Clerk@flofr.gov. By: 7t/fi 1 ,i 1 ,f ,4 I~ i~ Vrc( Margo A. Du' l Assistant General Counsel Office of Financial Regulation Fla. Bar No. 122205 200 E. Gaines Street Tallahassee, FL 32399-0370 Tel: (850) 410-9824 Email: margo.duval@flofr.gov CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint and Notice Of Intent to Issue Cease and Desist Order has been sent for service via U.S. Certified Mail to Emnizza Christina Lopez a/k/a Emnitza Lopez, at 6898 AC Skinner Parkway, Unit 217, Jacksonville,FL 32256, and at 3615 Dupont Ave., Suite 900, Jacksonville, FL 32217, on this 12th day of June, 2026. 9489 0090 27 6620 8129 68 n/ftv tf/ ,A ~i, VrLJl Margo ' . Du Val Assistant General Counsel 8

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 133606 Emnizza Christina Lopez a/k/a Emnitza Lopez 6898 AC Skinner Parkway, Unit 217 Jacksonville, FL 32256 ELECTION OF PROCEEDING I have received and read the Administrative Complaint, including the Notice of Rights, filed by the Office of Financial Regulation rottice") regarding the above-referenced Respondent, and I am requesting disposition as indicated below. PLEASE SELECT ONLY ONE OF THE OPTIONS: OPTION#1: D I do not request a hearing in this matter. I do not dispute any of the Office's factual allegations and condusions of law as stated in the Administrative Complaint. I understand that upon my waiving the right to a hearing, the Office may enter a final order adopting the findings of fact and conclusions of law in the Administrative Complaint. and imposing the penalties sought in the Administrative Complaint. OPTION #2: D I 1t2!!21 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 #3: D I do dispute one or more of the Office's factual allegations. I request a formal hearing before the Division of Administrative Hearings (DOAH) pursuant to section 120.57(1), Florida Statutes. In accordance with Rule 28-106.ZOlS(S)(c), 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 S:00 P.M. ON OR BEFORE THElWENTY-FIRST DAY AFTER RECEIPT OF THE ADMINISTRATIVE COMPLAINT, BY ANY OF THE FOUOWING METHODS:

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 Respondent or Mailing Address Authorized Representative of Respondent Printed Name & Title aty State Zip Date E-mail Address Telephone Number Form: OFR-GC-13 (rev. 1/28/2026) Page 1 of 2

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 133606 Emnizza Christina Lopez a/k/a Emnitza Lopez 6898 AC Skinner Parkway, Unit 217 Jacksonville, Fl 32256 **YOU ARE TO COMPLETE THE FOLLOWING ONLY IF YOU HAVE CHECKED OPTION #3 ON THE PRECEDING PAGE. If you need more space, you may provide additional pages. As Respondent or the authorized representative of Respondent, I am disputing the following material facts: Signature of Respondent or Authorized Representative Form: OFR-GC-13 (rev. 1/28/2026) Page 2 of 2 Date

Florida Office of Financia l Regulation 200 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQUESTED 1111111 111 11 9489 □□ 90 0027 662 □ 8129 b8 Emnizza Christina Lopez a/k/a Emnitza Lopez 3615 Dupont Ave., Suite 900 Jacksonville, FL 32217 ti 0 ai'tJ a.3: ~.s ii

~ UNITED STIJTES lfa POSTIJL SERVICE® June 18, 2026 Dear Amber Hopkins: Exhibit B The following is in response to your request for proof of delivery on your item with the tracking number: 9489 0090 0027 6620 8129 68. Item Details Status: Status Date I Time: Location: Postal Product: Extra Services: Shipment Details Weight: Recipient Signature Delivered, Front Desk/Reception/Mail Room June 15, 2026, 06:19 pm JACKSONVILLE, FL 32217 First-Class Mail® Certified Mail™ Return Receipt Electronic Sib, 1.4oz Signature of Recipient: • • 31i15 DUPONT AVE STE 900. Address of Rec1p1ent: JACl(SONVJLLE. FL a2211 Note: Scanned image may reflect a different destination address due to Intended Recipient's delivery instructions on file. Thank you for selecting the United States Postal Service® for your mailing needs. If you require additional assistance, please contact your local Post Office™ or a Postal representative at 1-800-222-1811 . Sincerely, United States Postal Service® 475 L'Enfant Plaza SW Washington, D.C. 20260-0004

t, l I\ Tf Of II 011111/\ or r I( I ()I IIN/\NI IJ\I llf(H/1 J\TION ( 11st' No 1 B61.){; r mnina rhnsw,a t oi"M't A/k/A r 1,mllfl\ I 011N 68~~ Ar ~'-1"""' r.ui.wav. un11 211 J11cl.s.01wil!f', fl 3.:>:?Sfi Exhibit C tltC tlON or PRJ){,HDING t ha'<' rN'('t~ And ll'i!d thr Adminl~hatlVf' Complr1lnl, lncludin11 thP Notlu• of flights, r1fpcJ by th .. Offi( .. of Financidl R~ulatlon 1•0ffke,~) ,~11rrllng tht> abovP referemrd Respondent, 11nd I am requesting dispo~ltion as lnd,uted b!'low PU:ASE SEL£CT0Nt' ONE or THE OPTIONS QftnON#l: rip- r 2,2 not request a hearing In lhls matter. ldo not disputeanv ofth~Off,ce's factual allegations and c-ondusions of law as stated In the Admlmstrative Complaint I understand that upon my w11ivlng the right to a hearing. the Offic<' may enter a final order adopting the findings of tac and conclusion of law In the Admlnistnittve Complalnt, and lmposln, the penalties sought In the Administrative Complaint OPTION#2: D I~ not dispute any of the Office's factual allegations but~ the Office's conclusion'> of law to those factual allegations, and request disposition of this matter by informal hearing pursuant to section 12057(2), Florida Statutes. I request to (CHECI< ONLY ONE OF THE FOUOWING 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#3: 0 t do dispute one or more of the Office's factual allegations. I request a formal hearing before the Division of Administrative Hearings (DOAH) pursuant to section 120.57(1), Florida Statutes, In accordance with Rule 28-106.2015(S)(c), FAC, I am attaching a copy of the material facts that I dispute. TO PRESERVE YOUR RIGHTTO 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 ADMINISTRATIVE COMPLAINT, BY ANY OF THE FOLLOWING METHODS:

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,Suite504, Fletcher Bldg., 101 E. Gaines Street. Tallahassee, FL 32399. Signature of R AuJhorized Representative of Respondent [m11,½zA l.t.-W2-, t Printed Name & ntle City State Zip Date Form: OFR·GC-13 (rev. 1/28/2026) Page 1 of 2