Final Order — Money Services Business

Index: OFR 2026 - 413
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
CKtT£
9/2026
EGAL
FRISCO FINANCIAL LLC. Case Number: 119453
D/B/A LOS AMIGOS CHECK CASHING,
MOYAGADA CORPORATION,
ROBERT BRANDON SCOTT,
MOISES FRIEDMAN, and
RYAN SCOTT,
Respondents.
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 /~ 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 U.S. Mail, to Frisco Financial LLC., d/b/a Los Amigos Check Cashing, and Moyagada Corporation, and Robert Brandon Scott, and Moises Friedman, and Ryan Scott to 6303 Powerline Rd, Lot 10, Fort Lauderdale, FL 33309 and email friscofinancialllc@gmail.com, and to Colin Roopnarine at 2022-2 Raymond Diehl Road, Tallahassee, FL c.roopnarine@grblawfirm.com on this / C,fh day of August, 2026. 32308 lation 14-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889 and

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
INRE:
FRISCO FINANCIAL LLC. d/b/a LOS
AMIGOS CHECK CASIDNG,
MOYAGADA CORPORATION, ROBERT
BRANDON SCOTT, MOISES FRIEDMAN, and RYAN SCOTT Respondents.
Exhibit A
Case Number: 119453
STIPULATION AND CONSENT AGREEMENT
The State of Florida, Office of Financial Regulation ("Office"), and FRISCO FINANCIAL LLC. d/b/a LOS AMIGOS CHECK CASIDNG, MOYAGADA CORPORATION, ROBERT BRANDON SCOTT, MOISES FRIEDMAN, and RYAN SCOTT ("Respondents"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:

1. Background. At all times material hereto, Frisco Financial LLC d/b/a Los Amigos
   Check Cashing is and has been a money services business in the State of Florida, having been issued license number FT340001205. At all times material, Moyagada Corporation is a limited partner with 50% ownership of Frisco Financial LLC d/b/a Los Amigos Check Cashing, Robert Brandon Scott is a limited partner with 4 7% ownership of Frisco Financial LLC d/b/a Los Amigos Check Cashing, Moises Friedman is an affiliated party by signing documents on behalf of Moyagada, and Ryan Scott is a general partner with 2.51 % ownership of Frisco Financial LLC d/b/a Los Amigos Check Cashing.

The Office conducted an examination (No. 116230) of Respondents' business records and operations to ascertain compliance with chapter 560, Florida Statutes, for the period of April I, 2021 through March 1, 2023. Consequently, the Office issued an Administrative Complaint ("Complaint") on June 3, 2025 . In response, Respondents requested a Formal Hearing. The parties have since negotiated a settlement, prior to conducting any hearing in this proceeding.
2. Jurisdiction. The Office is the state agency charged with the administration and
enforcement of chapter 560, Florida Statutes, and the rules promulgated thereunder. The Office has jurisdiction to bring this administrative action against Respondents pursuant to chapter 560, Florida Statutes.
3. Findings. For purposes of this Stipulation and Consent Agreement, Respondents
consent to the Office making the following findings:
a) Respondents failed to accurately enter checks into the check cashing database (CCDB), in violation of section 560.310(2)( d), Florida Statutes, and Rule 69V-560.704(5), Florida Administrative Code; b) Respondents failed to timely and accurately file Currency Transaction Reports "(CTR"), in violation of section 560.123(3)(c), Florida Statutes and Rule 69V-560. l 000, Florida Administrative Code; c) Respondents failed to maintain complete corporate customer files, m violation of section 560.310(2)(a), Florida Statutes, and Rule 69V￾560.704(4)(d), Florida Administrative Code;

4. d) Respondents failed to file Suspicious Activity Reports "(SAR") when the
   total checks cashed by seven corporate customers exceeded their annual check cashing limits, in violation of section 560.309(5), Florida Statutes, and Rule 69V-560.609(4), Florida Administrative Code; e) Respondents violated 31 C.F .R. section 1022.210, and thereby section 560.l 14(1)(y), Florida Statutes, by failing to implement their Anti-Money Laundering Program; f) Respondents failed to notify the Office of changes in Respondents' ownership, responsible persons, and/or form of business organization by written amendment within thhty (30) business days, in violation of section 560.126(3), Florida Statutes (2021), and Rule 69V-560.201(2), Florida Administrative Code; and g) Respondents failed to rep01t changes in the bank information contained in their application within 30 days of the changes, in violation of section 560.126(2), Florida Statutes, and Rule 69V-560. l 02(5), Florida Administrative Code. Terms and Conditions. The parties agree that the issues raised can be expeditiously resolved without further litigation 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 findings and in consideration of the Office's forbearance from further litigation, Respondents agree to the following terms and conditions:

a. FUTURE COMPLIANCE. Respondents agree that they shall cease and desist from future violations of chapter 560, Florida Statutes, and the rules promulgated thereunder, and comply with all the provisions of chapter 560, Florida Statutes, and the rules promulgated pursuant thereto. b. ADMINISTRATIVE FINE. Respondents agree to pay the Office an administrative fine in the amount of Twenty-Five Thousand DoIJars ($25,000.00), to be paid at the time of the execution and delivery of this Stipulation and Consent Agreement. This administrative fine shall be submitted in the form of a wire, cashier's check, or money order made payable to "Office of Financial Regulation" and shall be sent to the attention of Agency Clerk - c/o Alessandra Mousinho, Post Office Box 8050, Tallahassee, Florida 32314-8050. Respondents aclmowledge and agree that in accordance with section 215 .31, Florida Statutes, regarding the deposit of monies: (i) the tendered fine or settlement check may be deposited in advance of full execution or acceptance of the Stipulation and Consent Agreement; and (ii) such 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. Respondents consent to the entry ofa Final Order, which incorporates
the terms of this Stipulation and Consent Agreement. Respondents understand and agree 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 560 and 120, Florida Statutes.

6. Waiver. By Respondents' consent to the entry of a Final Order with respect to this
   proceeding, Respondents waive:
   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 I 20, 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,
   Respondents waive, release, and forever discharge the Office and its agents, representatives, and employees from any and all causes of action, in law or in equity, which Respondents may have arising out of this matter. The Office accepts this release and waiver by Respondents 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. Respondents acknowledge, concur, and stipulate that
   Respondents' 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 560, 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 Respondents' right to contest any finding or determination of non~compliance.
9. 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. I 0. Severability. The patties 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. 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.
12. Entire Agreement. This Stipulation and Consent Agreement represents the entire
agreement by and between Respondents 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 Respondents 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 Respondents execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below. [this space intentionally left blank with signatures appearing on the following page J

FRISCO FINANCIAL LLC. d/b/a LOS AMIGOS CHECK CASHING:
Date: 0 el O $, lzo 2,C

• r
  (Signature)
  Name: Moises Friedman Title: SO% owner
  (On behalf of Moyagada Corporation)
  State of Florida
  County of M'W"': i)l:',« <
  Moises Friedman, on behalf of Moyagada Corporation, fifty percent owner fFrlsco Financial LLC. d/b/a Los Amigos Check Cashing, BEFORE ME by means of notarization, bas sworn ( or affinned) that he has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me tbis.{15_ day of AvJ , 2026. Check the appropriate box:
  Personally known O /
  OR Produced Identification Ef"
  Type ofidentification produced Q ~•s License
  GYPassport
  0 Other _____ _
  (Do not include JD number)
  'i ~ CRISTIAN CASTRO
  I
  .. • • Hotary l\lbllc • Stitt of Flonda
  ~q, i Commission I HH 778714 , ..... r,::... M't Comm, bplrts Mar 1S, 2030

FRISCO FINANCIAL LLC. d/b/a LOS AMIGOS CHECK CASHING:
(Signature)
Name: Robert Brandon Scott
State of FloriEls. M, S~\
County of 5r. ~ s
Title: 47.49% owner
Robert Brandon Scott, as forty seven and forty-nine percent owner of Frisco Financial LLC. d/b/a Los Amigos Check Cashing, BEFORE ME by means of If] physical 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 .2"'J?.day of Ave vs r PETER J FINCH Notary Public, Notary Seal State of Mlssourl St Louis County Commission# 13887798 Mv Commisston E.llpirag 10•47•2029 Check the appropriate box:
Personally known D
OR Produced Identification D
Type of identification produced IE Driver's License 0 Passport D Other ______ _ (Do not include ID number) , 2026.

Ryan Scott, two and fifty one percent owner of Frisco Financial I.LC., d/b/a Los Amigos Check Cashing, BEFORE ME by means of [ i-fphysioalpresence or I] online notarization, ~as swo,rn (or affum~d) that she hasrend and understands,tbe for~goio,g agree.ment and voluntanly signed the same. S~ORN TO AND SUBSCRIBIDD before me this:} l day of..._:Y.cU~~=='::'f'-'- . __ ;____J• 2026.

MOYAGADA CORPORATION:
(Signature)
Name: Moises Friedman Title: Managing member
State of Florida
County of M• CAO• , ul,, !-L
Moises Friedman, representative ofMoyagada Corporation, BEFORE ME by means of [4ysical presence or [ ] online notarization, has sworn ( or affmned) that she has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this oS day of A uJ , 2026.

• ===tieh~-c:::::::- bli-'c ____ _
  Check the appropriate box:
  Personally known 0
  OR Produced Identification ~
  Type ofidentification produced Q ,r•s License
  ~ Passport
  D Other ____ _
  (Do not include ID number)
  -l', ..... Yl'I···
  «
  "ti~~\ CRISTIAN CASTRO
  'a~ :..il Notary Public • Stat, of flonda
  ~o;,..af,,' Commission I HH nm• ,,.,....... My Comm, Explr,s Mar 15, 2030

ROBERT BRANDON SCOTT:
IL~LW~- Date: __,., ~/1----"- 7--1--t 'L~~ __ (Signature) Name: Robert Brandon Scott State of Rotida M1,,,d.,i,1., County of 'Sr. Lev,:;. Robert Brandon Scott, BEFORE ME by means of (>4 physical presence or [ ] online notarization, has sworn (or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same. tJ_O A SWORN TO AND SUBSCRIBED before me this .2. - day of v<.v"i r PETER J FINCH Notary Public, Notary Seal State of Missouri St Louis Couri\y Commission ti 13887798 My Comrnisi,iot:J Expires 10-27-2029 Check the appropriate box:
Personally known D
OR Produced Identification D
Type of identification produced JE Driver's License D Passport D Other ___ ___ _ (Do not include ID number) , 2026.

MOISES FRIEDMAN:
Date: O e IQ s /'l---C> z.L r I
(Signature)
Name: Moises Friedman
State of Florida
County of iv\ "'-M, 4 ~1 (..
Moises Friedm~ BEFORE ME by means of [ ~ysical presence or ( J online notariz.atio~ bas sworn ( or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this..u.5_, day of_it---. <,Jc-,----• 2026. lie Check the appropriate box:
Personally known 0
OR Produced Identification ~
Type of identification produced D ~er's License [a'"Passport D Other ____ _ (Do not include ID number) ~m~~ CRISTIAN CASTRO 'at i)} Not1,y Public • Statt of Flondl ~ ii!-' COlllmlsslon I HH 778114 -'!!..~··•· My Comm, Explrts Mar 15, 2030

J
.,. •. (S,fgna_qirej',
' ~
Nam~.: Rf an-Scgtt
-" s t~t~. _,, ...

• .Go.unty'.of • ·-. :·we... :,. ':i'-'> ..,- • -
• .., -;. • ·=
  .,R;y~n Sc~tt~ llltf~ll¥~ME)i¥,~~ . . . _ (or-affinne'd,·,u1at,-sl epas•tel!.d ap~ SijJ'.lle.
• .
• $w-" -
  ~h'ecktli
  .Pe(sonaU
  ORProd· t1,pi'bf'i
  ' '
  . . ·-: :~.
  D~fe:. (fj.f:7 :J' ~ :.:... ,