Index: OFR 2026 - 539

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION

In Re:
VIX ENTERPRIZE INCORPORATED,
D/B/A CHECK N CASH, and
ADHEM MNAWER,
Respondents.
Case Number: 136643

FINAL ORDER

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 120 and 560, Florida Statutes, against VIX ENTERPRIZE INCORPORATED, d/b/a CHECK N CASH and ADHEM MNAWER ("Respondents").

FINDINGS OF FACT

1. The Office has jurisdiction over the subject matter of this case and the parties hereto.

2. At all times material, Vix Enterprize, Incorporated, d/b/a Check N Cash ("Vix"), is and has been licensed as a Part III Money Services Business pursuant to chapter 560, Florida Statutes, operating as a check casher, holding license number FT340001103.

3. Since November 22, 2021, Adhem Mnawer is and has been 100% Owner, President, Compliance Officer, and Registered Agent of Vix.

4. The Office conducted an examination and found that grounds existed to initiate legal action. On September 17, 2026, the Office issued an Administrative Complaint ("Complaint") against Respondents, alleging several violations of chapter 560, Florida Statutes, and seeking an administrative fine and revocation of license number FT340001103. (Exhibit A)

DOCKETED
11/5/2026
LEGAL

BH

5. The Complaint contained a Notice of Rights which fully advised Respondents that they had twenty-one (21) days after the receipt of the Complaint within which to petition the Office for an administrative hearing to contest the allegation set forth in the Complaint, in accordance with sections 120.569 and 120.57, Florida Statutes, including the following information:

TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITHIN TWENTY-ONE (21) DAYS AFTER 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 AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE.

6. The Office served Respondents with the Complaint via U.S. Certified Mail on September 21, 2026. (Exhibit B).

7. Respondents' written response to the Complaint was due by October 12, 2026. To date, the Office has not received a written response to the Complaint.

8. The Findings of Fact alleged in the Complaint are hereby incorporated by reference and adopted as Findings of Fact in this Final Order.

CONCLUSIONS OF LAW

9. The Office is responsible for the administration and enforcement of chapter 560, Florida Statutes, and has jurisdiction over the subject matter and of Respondents pursuant to chapter 560, Florida Statutes.

10. The Findings of Fact that have been adopted herein serve as the basis of the entry of this Final Order against Respondents.

11. 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.

12. Pursuant to Rule 28-106.111(4), Florida Administrative Code, the failure of Respondents to timely respond to the Complaint constitutes a waiver of Respondents' right to an administrative proceeding.

13. 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 asserting his rights, or has timely asserted his rights in the wrong forum. Machules, v. Department of Admin., 523 So. 2d 1132 (Fla. 1988).

14. 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).

15. Respondents failed to file a petition or any other document in response to the Notice on or before October 12, 2026. Respondents further failed to present any claim or evidence of equitable tolling. Therefore, it is appropriate for the Office to conclude there was no equitable tolling, and Respondents waived their right to an administrative proceeding.

16. Based on the Findings of Fact adopted herein, the Office concludes that Respondents 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.

17. The Findings of Fact and Conclusions of Law that form the basis for the Complaint, together with the waiver of a hearing by Respondents, constitute sufficient grounds for the Office to take administrative action against Respondents, including the imposition of an administrative fine of $36,900.00 and revocation of license number FT340001103.

Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby

ORDERED:

A. Within thirty (30) days of the docketing of this Final Order, Respondents shall pay an ADMINISTRATIVE FINE of Thirty-Six Thousand Nine Hundred Dollars ($36,900.00).

B. Respondents shall submit the administrative fine in the form of a wire, money order or cashier's check made payable to the "Office of Financial Regulation." Such payment shall reference Case Number 136643 and shall be sent to the attention of Agency Clerk, c/o Damaris E. Reynolds, Post Office Box 8050, Tallahassee, FL 32314-8050.

C. Upon entry of this Final Order, Money Services Business license FT340001103 is hereby REVOKED.

DONE and ORDERED this 5th day of November, 2026, in Tallahassee, Leon County, Florida.

Russell C. Weigel, III

Commissioner

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
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.

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order was furnished via U.S. Mail to: Vix Enterprize Incorporated d/b/a Check N Cash, and Adhem <--fll\ Mnawer, 8612 W. State Rd. 84, Davie, FL 33324 on this S day of November, 2026. ,i.lation st Talia 4-8050 Emai . lerk@flofr.gov Tel: -9889 6

Exhibit A

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION

In Re:
VIX ENTERPRIZE INCORPORATED,
D/B/A CHECK N CASH, and
ADHEM MNAWER,
Case Number: 136643
Respondents.

ADMINISTRATIVE COMPLAINT

The State of Florida, Office of Financial Regulation ("Office"), files this Administrative Complaint against VIX ENTERPRIZE INCORPORATED, D/B/A CHECK N CASH, and ADHEM MNAWER ("Respondents"), alleging:

GENERAL ALLEGATIONS

1. Pursuant to sections 560.105 and 560.109, Florida Statutes, the Office is charged with administering and enforcing the provisions of chapter 560, Florida Statutes, and the rules promulgated thereunder, and conducting examinations and investigations to determine whether any provision of chapter 560, Florida Statutes, or the rules promulgated thereunder, has been violated.

2. Parts II, III, and IV of chapter 560, Florida Statutes, set forth the specific requirements of money services businesses and licensees.

3. Pursuant to section 560.103(26), Florida Statutes, "money services business" means any person located in or doing business in this state, from this state, or into this state from locations outside this state or country who acts as a payment instrument seller, foreign currency exchanger, check casher, money transmitter, or virtual currency kiosk business, or qualified payment stablecoin issuer.

4. Pursuant to section 560.103(35), Florida Statutes, a "person" is, among other things, a corporation.

5. Section 560.103(27), Florida Statutes, defines a "money transmitter" as:

[A] corporation, limited liability company, limited liability partnership, or foreign entity qualified to do business in this state which ... receives currency, monetary value, a payment instrument, gold coin, silver coin, or virtual currency for the purpose of acting as an intermediary to transmit currency, monetary value, a payment instrument, or virtual currency from one person to another location or person by any means, including transmission by wire, facsimile, electronic transfer, courier, the Internet, or through bill payment services or other businesses that facilitate such transfer within this country, or to or from this country. The term includes only an intermediary that has the ability to unilaterally execute or indefinitely prevent a transaction.

6. Pursuant to section 560.103(12), Florida Statutes, "currency" means the coin and paper money of the United States or of any other country which is designated as legal tender, and which circulates and is customarily used and accepted as a medium of exchange in the country of issuance.

7. Section 560.103(25), Florida Statutes, defines "monetary value" as a medium of exchange, other than virtual currency, regardless of whether it is redeemable in currency.

8. Pursuant to section 560.103(32), Florida Statutes, a "payment instrument" means a check, draft, warrant, money order, travelers check, electronic instrument, or other instrument, used for the payment of money, or monetary value whether or not negotiable.

9. Pursuant to section 560.103(11), Florida Statutes, a "corporate payment instrument" is a payment instrument on which the payee named on the instrument's face is other than a natural person.

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

11. Section 560.103(9), Florida Statutes, defines a "conductor" as a natural person who presents himself or herself to a licensee for purposes of cashing a payment instrument.

12. Section 560.103(1), Florida Statutes, defines an "affiliated party" as, among other things, a control person or a person who has a controlling interest in a money services business as provided in section 560.127, Florida Statutes.

13. Section 560.103(10), Florida Statutes, a "control person" means, among other things, the president, or the compliance officer, of a money services business.

14. 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.

15. Pursuant to section 560.114(1)(y), Florida Statutes, a money services business is prohibited from violating the provisions of 31 C.F.R. Chapter X and United States Treasury Interpretive Release 2004-1. The Office may revoke a money services business license for failure to comply.

16. At all times material, Vix Enterprize, Incorporated, d/b/a Check N Cash ("Vix"), is and has been licensed as a Part III Money Services Business pursuant to chapter 560, Florida Statutes, operating as a check casher, holding license number FT340001103.

17. Since November 22, 2021, Adhem Mnawer ("Mnawer") is and has been the 100% Owner, President, Compliance Officer, and Registered Agent of Vix.

18. Pursuant to section 560.103(1), Florida Statutes Mnawer is an affiliated party who is liable for any and all violations of Vix, which offers check cashing, package shipping, and money transmission services as a vendor for Intermex.

19. Following an examination conducted by the Office, a Final Order was entered on May 28, 2024, in Case Number 120280 finding that Vix failed to timely and accurately file currency transaction reports; failed to maintain corporate documents; failed to maintain Annual Attestation; accepted and cashed corporate checks to unauthorized individuals; failed to endorse payment instruments with the business' legal name; failed to maintain copies of checks with an affixed thumbprint; failed to implement and maintain an Anti-Money Laundering ("AML") program; failed to maintain acceptable identifications; failed to renew its FinCEN registration; failed to timely and accurately enter transactions into the Check Cashing Database (“CCDB”).

20. The Office subsequently conducted another examination (No. 132588) to ascertain Respondents' compliance with chapter 560, Florida Statutes.

21. During the exam period, Vix cashed checks exceeding $1,000.00.

22. Respondent Mnawer met with the examiner for both an entrance conference on September 19, 2025, and an exit conference on February 26, 2026.

23. After the examination was concluded, Respondents were sent a letter and the Office's Report of Examination, which identified the specific statutory provisions of chapter 560, Florida Statutes, and the corresponding rules that the Office found were potentially violated.

24. 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.

25. Rule 69V-560.1000(1), Florida Administrative Code, provides that the penalties applicable to each ground for disciplinary action which may be imposed by the Office 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…”

26. Pursuant to Rule 69V-560.1000(5), Florida Administrative Code, the range for a "A" level administrative fine is between $1,000.00 and $3,500.00, and pursuant to Rule 69V- 560.1000( 6), Florida Administrative Code, the range for an "A" level administrative license suspension is 3 to 10 days.

27. Pursuant to Rule 69V-560.1000(5), Florida Administrative Code, the range for a "B" level administrative fine is between $3,500.00 and $7,500.00, and pursuant to Rule 69V- 560.1000(6), Florida Administrative Code, the range for a "B" level administrative license suspension is 10 to 20 days.

28. Pursuant to Rule 69V-560.1000(5), Florida Administrative Code, the range for a "C" level administrative fine is between $7,500.00 and $10,000.00, and pursuant to Rule 69V- 560.1000(6), Florida Administrative Code, the range for a "C" level administrative license suspension is 20 to 30 days.

29. 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 the Office may revoke a money services business license for failure to comply.

COUNT I

30. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

31. Pursuant to section 560.126(2), Florida Statutes, and Rule 69V-560.201(2), Florida Administrative Code, a money services business or its affiliated party must report any change in the information contained in its initial license application, or any amendment to such application, within thirty (30) days of the change.

32. As part of the examination, the Office reviewed Respondents' license application and any amendments thereto.

33. During its examination, the Office found that Respondents failed to timely notify the Office, via written amendment to its application, of changes to their banking information.

34. Respondents had an account with Evolve Bank which last conducted activity on June 7, 2021, but the account was not removed from the application until April 26, 2024, 1024 days late.

35. Respondents had an account with Sunrise Bank which last conducted activity on June 21, 2022, but was not removed from the application until April 26, 2024, 645 days late.

36. Respondents had an account with Global Innovation Bank which commenced activity on June 23, 2022, but was not reported until April 26, 2024, 643 days late.

37. Respondents failed to timely report the above-referenced changes to their bank accounts in violation of section 560.126(2), Florida Statutes, and Rule 69V-560.201(2), Florida Administrative Code.

38. Pursuant to the Disciplinary Guidelines for Money Services Businesses, Form OFR-560-09, incorporated by reference in Rule 69V-560.1000, Florida Administrative Code (2023), violation number 47, a licensee cited for violating section 560.126(2), Florida Statutes, is subject to an "A" level administrative fine.

39. Therefore, the Office intends to seek an Order imposing an "A" level administrative fine.

COUNT II

40. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

41. Pursuant to section 560.310(2)(d), Florida Statutes, and Rule 69V-560.704(5), Florida Administrative Code, when payment instruments ("checks") over $1,000.00 are cashed, licensees are required to submit certain information into the CCDB before providing currency to the person cashing the check.

42. Pursuant to section 560.310(2)(d), Florida Statutes, and Rule 69V-560.704(5), Florida Administrative Code, among the information required to be submitted into the CCDB are the following:

• Transaction date;

• Payor name;

• Payee name;

• Conductor's name;

• Payment instrument amount;

• Amount of currency provided;

• Payment instrument type;

• Check cashing fee;

• Branch or location where the check was accepted;

• Personal identification type and number presented by payee or conductor;

• Payee's workers' compensation policy number or exemption certificate number;

• Payee's Corporate Document Number issued by the Secretary of State; and

• Payee's Federal Employee Identification Number ("FEIN").

  43. As part of its examination, the Office reviewed a sample of 412 of Respondents' check cashing transactions that were required to be submitted into the CCDB.

  44. The Office found 12 transactions were untimely recorded while 15 checks over $1,000.00 were not recorded, 92 transactions in which the payer was not accurately recorded, 8 transactions in which the payee was not accurately recorded, 25 transactions in which the conductor was not accurately recorded, 384 transactions in which the check type was not accurately recorded, 2 transactions in which the check cashing fee was not accurately reported, 49 transactions in which the identification was not accurately reported, 44 transactions in which the identification type was not accurately reported, one transaction in which the worker's compensation policy number was not accurately reported, five transactions in which the corporate document number was not accurately reported, and 85 transactions in which the FEIN was not accurately reported, in violation of section 560.310(2)(d), Florida Statutes, and Rule 69V- 560.704(5), Florida Administrative Code.

  45. Respondents were found to have violated section 560.310(2)(d), Florida Statutes, and Rule 69V-560. 704(5), Florida Administrative Code, in the past in Office of Financial Regulation Case Number 120280, in which a Final Order was entered on May 28, 2024.

  46. Pursuant to the Disciplinary Guidelines for Money Services Businesses Form OFR-560-09, incorporated by reference in Rule 69V-560.1000, Florida Administrative Code (2023), violation number 98, a licensee cited for a second violation of section 560.310(2)(d), Florida Statutes, is subject to a "B" level administrative fine and license revocation.

  47. Therefore, the Office intends to seek an Order imposing a "B" level administrative fine and license revocation.

COUNT III

48. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

49. Pursuant to section 560.309(4), Florida Statutes, a licensee may not accept or cash a payment instrument from a person who is not the original payee or an authorized officer of the corporate payee named on the instrument's face.

50. As part of its examination, the Office found that Respondents negotiated five checks payable to cash and four checks payable to an unauthorized conductor, in violation of section 560.309(4), Florida Statutes.

51. Respondents were found to have violated section 560.309(4), Florida Statutes, in the past in Office of Financial Regulation Case Number 120280, where a Final Order was entered on May 28, 2024.

52. Pursuant to the Disciplinary Guidelines for Money Services Businesses Form OFR- 560-09, incorporated by reference in Rule 69V-560.1000, Florida Administrative Code (2023), violation number 86, a licensee cited for a second violation of section 560.309(4), Florida Statutes, is subject to a "B" level administrative fine and license revocation.

53. Therefore, the Office intends to seek an Order imposing a "B" level administrative fine and license revocation.

COUNT IV

54. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

55. Pursuant to section 560.310(2)(c), Florida Statutes, and Rule 69V- 560.704(4)(b), Florida Administrative Code, a licensee engaged in check cashing must affix the thumbprint of each customer to the original payment instrument (check) when it is presented for negotiation or payment if the payment instrument exceeds $1,000.00 and must maintain a copy of each check as required by section 560.1105, Florida Statutes.

56. As part of its examination, the Office found that Respondents failed to affix the conductor's thumbprint to the original payment instrument in 18 of 301 transactions reviewed, in violation of section 560.310(2)(c), Florida Statutes, and Rule 69V-560.704(4)(b), Florida Administrative Code.

57. Respondents were found to have violated section 560.310(2)(c), Florida Statutes, in the past in Office of Financial Regulation Case Number 120280, where a Final Order was entered on May 28, 2024.

58. Pursuant to the Disciplinary Guidelines for Money Services Businesses Form OFR- 560-09, incorporated by reference in Rule 69V-560.1000, Florida Administrative Code (2023), violation number 97, a licensee cited for a second violation of section 560.310(2)(c), Florida Statutes, is subject to a "B" level administrative fine and license revocation.

59. Therefore, the Office intends to seek an Order imposing a "B" level administrative fine and license revocation.

COUNT V

60. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

61. Pursuant to section 560.310(2)(b), Florida Statutes, a licensee engaged in check cashing must maintain customer files on all customers who cash corporate payment instruments that exceed $1,000.00 for the period specified in section 560.1105, Florida Statutes.

62. Pursuant to section 560.310(2)(b), Florida Statutes, and Rule 69V- 560.704(4)(c), Florida Administrative Code, the customer file must include a copy of the customer's personal identification ("ID") that bears a photograph of the customer, which is used as identification and presented by the customer. Acceptable personal identification is limited to a valid driver license; a state identification card issued by any state of the United States or its territories or the District of Columbia, showing a photograph and signature; a United States Government Resident Alien Identification Card; a passport; or a United States Military identification card.

63. As part of its examination, the Office found that Respondents failed to obtain an acceptable form of ID. In seven cases, Respondents accepted an expired ID, in violation of section 560.310(2)(b), Florida Statutes, and Rule 69V-560.704(4)(c), Florida Administrative Code.

64. Respondents were found to have violated section 560.310(2)(b), Florida Statutes, in the past in Office of Financial Regulation Case Number 120280, where a Final Order was entered on May 28, 2024.

65. Pursuant to the Disciplinary Guidelines for Money Services Businesses Form OFR- 560-09, incorporated by reference in Rule 69V-560.1000, Florida Administrative Code (2023), violation number 96, a licensee cited for a second violation of section 560.310(2)(b ), Florida Statutes, is subject to a "B" level administrative fine and license revocation.

66. Therefore, the Office intends to seek an Order imposing a "B" level administrative fine and license revocation.

COUNT VI

67. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

68. Pursuant to section 560.310(2)(a), Florida Statutes, licensees are required to create and maintain a customer file for each customer who cashes corporate payment instruments.

69. Pursuant to Rules 69V-560.704(4)(d), Florida Administrative Code, each customer file must include the following information:

a. Documentation from the Secretary of State ("SUNBIZ") verifying registration as a corporation or fictitious entity showing the listed officers and FEID registration number ... ;

b. Articles of Incorporation or other such documentation which establishes a legal entity in whatever form authorized by law. For purposes of this rule a sole proprietor operating under a fictitious name registered with the Secretary of State shall not have to present such documentation;

c. Documentation of the business license/occupational license, business tax receipt, or its equivalent from the county where the entity is located;

d. A copy of the search results screen page from Compliance Proof of Coverage Query Page webpage from the Florida Department of Financial Services - Division of Workers' Compensation website (https://dwcdataportal.fldfs.com/ProofOfCoverage.aspx);

e. If the entity has an active workers' compensation policy, the licensee must also maintain a copy of the policy declaration page or other document provided by the insurer indicating the amount of coverage;

f. Documentation of individuals authorized to negotiate payment instruments on the corporation or fictitious entity's behalf including corporate resolutions; and,

g. A written corporate customer profile which includes: the full legal name of each beneficial owner, as defined in 31 C.F.R. s. 1010.230(d), effective July 1, 2018, is hereby incorporated by reference and available at http://www.flrules.org/Gateway/reference.asp?No=Ref-11464, of the corporate customer; an explanation of the customer's business model; type(s) of services offered; projected annual volume of check cashing; annual check cashing limits as they relate to the corporate customer's workers' compensation policy coverage limits; and a written statement signed by the authorized officer of the corporate customer stating under what circumstances the corporate customer is not required or is exempt from obtaining a workers' compensation policy, if there is no active workers' compensation policy.

70. As part of its examination, the Office reviewed a sample of ten of Respondents' corporate customer files and found that four were missing the occupational license, ten were missing the workers compensation search, and nine were missing the declaration page.

71. Respondents failed to maintain complete corporate customer files, in violation of section 560.310(2)(a), Florida Statutes, and Rule 69V-560.704(4)(d), Florida Administrative Code.

72. Respondents were found to have violated section 560.310(2)(a), Florida Statutes, in the past in Office of Financial Regulation Legal Case Number 120280, where a Final Order was entered on May 28, 2024.

73. Pursuant to the Disciplinary Guidelines for Money Services Businesses Form OFR- 560-09, incorporated by reference in Rule 69V-560.1000, Florida Administrative Code (2023), violation number 95, a licensee cited for a second violation of section 560.310(2)(a), Florida Statutes, is subject to a "B" level administrative fine and license revocation.

74. Therefore, the Office intends to seek an Order imposing a "B" level administrative fine and license revocation.

COUNT VII

75. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

76. Pursuant to section 560.114(l)(y), Florida Statutes, a money services business is prohibited from violating 31 C.F .R. section 1022.210, which requires each money services business to develop, implement, and maintain an AML Program that is reasonably designed to prevent the money services business from being used to facilitate money laundering and the financing of terrorist activities.

77. As part of its examination, the Office found that Respondents failed to implement their AML program by failing to ensure all checks over $1,000.00 were reported into the CCDB as required by their AML program. Their AML program states, "All checks over $1,000.00 (singular and aggregated) must be entered into the Florida database as required by Chapter 560." [sic]. Respondents also failed to maintain complete corporate files as required by their AML program. Their AML program states, "Ensure that the corporate file is complete and current." [sic].

78. During the examination period, Respondents entered inaccurate information, failed to enter the required information, or failed to timely enter the required information into the CCDB in 412 of 412 transactions reviewed, contrary to the policies and procedures in Respondents' AML program.

79. Respondents violated 31 C.F.R. section 1022.210, and thereby section 560.114(1)(y), Florida Statutes, by failing to develop, implement, and maintain an effective AML program.

80. Respondents were found to have failed to maintain an effective AML program in the past in Case Number 120280, in violation of section 560.114(1 )(y), Florida Statutes, where a Final Order was entered on May 28, 2024.

81. Pursuant to the Disciplinary Guidelines for Money Services Businesses Form OFR- 560-09, incorporated by reference in Rule 69V-560.1000, Florida Administrative Code (2023), violation number 27, a licensee cited for a second violation of section 560.114(1)(y), Florida Statutes, is subject to a "C" level administrative fine and license revocation.

82. Therefore, the Office intends to seek an Order imposing a "C" level administrative fine and license revocation.

WHEREFORE, Respondents are hereby notified that the Office intends to seek an Order imposing an appropriate administrative fine against Respondents and/or revocation of money services business license number FT340001103.

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NOTICE OF RIGHTS

The licensee is entitled to be represented by counsel or another qualified representative. The licensee 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 convenience.

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 Delivery
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 AFTER 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 AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF THE LICENSEE'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.

NOTICE TO RESPONDENTS

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: Damaris Reynolds
Damaris E. Reynolds
Assistant General Counsel
Office of Financial Regulation
Office of General Counsel
Fla. Bar No. 0037176
200 E Gaines Street Tallahassee, FL 32399-0370 Tel: 850-410-9830 Email: Damaris.Reynolds@flofr.gov

CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint was furnished by U.S. Certified Mail to: Vix Enterprize Incorporated d/b/a Check N Cash, and Adhem Mnawer, 8612 W. State Rd. 84, Davie, FL 33324 on this 17th day of September, 2026.

9489 0090 0027 6620 8416 47

Damaris Reynolds
Damaris E. Reynolds
Assistant General Counsel
Office of Financial Regulation

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION

Case No: 136643
VIX Enterprize Incorporated d/b/a Check N Cash and Adhem Mnawer 8612 W. State Rd. 84 Davie, FL 33324

ELECTION OF PROCEEDING

I have received and read the Administrative Complaint, including the Notice of Rights, filed by the Office of Financial Regulation ("OfficeN) 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 conclusions 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 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 #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 28-106.2015(5)(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 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, Fletcher Bldg., 101 E. Gaines Street, suite 504, Tallahassee, FL 32399.

Signature of Respondent or
Mailing Address
Authorized Representative of Respondent
Printed Name & Title
City
State
Zip
Date
E-mail Address
Telephone Number

Form: OFR-GC-13 (rev. 11.19.2024)

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION

Case No: 136643
VIX Enterprize Incorporated d/b/a Check N Cash and Adhem Mnawer 8612 W. State Rd. 84 Davie, FL 33324

**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 Date

Form: OFR-GC-13 (rev. 11.19.2024)

Florida Office of Financia l Regulation
I 200 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQUESTED

Vix Enterprize Incorporated d/b/a Check N Cash Adhem Mnawer 8612 W State Road 84 Davie, Florida 33324

UNITED STATES POSTAL SERVICE CERTIFIED MAIL
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9489 0090 0027 6620 8416 47

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UNITED STATES POSTAL SERVICE ®

Exhibit B

October 01, 2026

Dear Amber Hopkins:

The following is in response to your request for proof of delivery on your item with the tracking number: 9489 0090 0027 6620 8416 47.

Item Details
Status:
Status Date / Time:
Location:
Postal Product:
Extra Services:
Delivered, Front Desk/Reception/Mail Room
September 21, 2026, 02:56 pm
FORT LAUDERDALE, FL 33324
First-Class Mail®
Certified Mail™
Return Receipt Electronic
Shipment Details
Weight: 7lb, 15.0oz
Recipient Signature

Signature of
Recipient:
Address of
Recipient
• • t
:
8612 W STATE ROAD 84, DAVIE,
FL 33324
~
~

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