Final Order — Mortgage Broker

Index:
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
TIDOR, INC., and Case Number: 130835
DORINDA KAYE GEANS-JAY,
Respondents.
FINAL ORDER
This cause came on for consideration and final agency action. Upon revie and being otheiwise 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 17~ day of April, 2026, in Tallahassee, Leon County, Florida. Commissioner

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to Tidor, Inc., and Dorinda Kaye Geans-Jay by electronic mail at loans@tidorproperties.com on this ~ of April, 2026. Office ~~ of Financial Regulation Post Office Box 8050 Tallahassee, FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889 2

EXHIBIT A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
TIDOR, INC., and Case Number: 130835
DORINDA KA YE GEANS-JAY
Respondents.
STIPULATION AND CONSENT AGREEMENT
The State of Florida. Office of Financial Regulation (""Office··). and TIDOR, INC., and DORINDA KAYE GEANS-JAY ( .. Respondents .. ). in consideration of the mutual promises herein. recite. stipulate. and agree as follows:
I. Background. At all material times. Tidor. Inc .. is and has been a mortgage broker
I icensee pursuant to chapter 494. Florida Statutes. having been issued I icense number MBR I 055. At all material times. Dorinda Kaye Geans-Jay is and has been the President and Sole Owner of Tidor. Inc. Based upon an examination (No. 129395) initiated by the Office. grounds exist to initiate administrative proceedings against Respondents pursuant to chapter 494. Florida Statutes. The parties resolve the issues herein with this Stipulation and Consent Agreement in lieu of the Office initiating and 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 Respondents pursuant to chapter 494. 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 timely submit mortgage call report(s)for Quarter 3
2024. as required by Rule 69V-40. I 76, Florida Administrative Code. and
in violation of section 494.004(2). Florida Statutes.
4. 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 494. Florida Statutes. and the rules promulgated thereunder. and comply with all the provisions of chapter 494. Florida Statutes. and the rules promulgated pursuant thereto. b. ADMINISTRATIVE FINE. Respondents agree to pay the Office an administrative fine in the amount of Five Hundred Dollars ($500.00), 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··. Such payment shall reference Case Number 130835 and shal I be sent to the attention of Agency Clerk - c/o Debra H. Pierce., Post Office Box 8050, Tallahassee, Florida 32314-8050. Respondents acknowledge 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 ful I execution thereof and entry of a Final Order adopting same.
5. Final Order. Respondents consent to the entry of a 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. If 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.
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 120. Florida Statutes: and d) Any right to contest in any administrative forum or judicial proceeding ( including. but not I imited 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 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 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 Respondents' right to contest any finding or determination of non-comp I iance.
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 the entry of the Final Order adopting this Stipulation and Consent Agreement. I 0. 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 wi 11 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 lefi hlank with signatures appearing on the .following page/

TIDOR, INC.:
Name: Dorinda Kaye Geans-Jay
State of 0 c.. c, A"
County of 'S. \ . 1:c.,..V"\ ~
Date: _ _ J""'"~ ......tlJIL,,>~"'- r---'-'UJ.....,lcc,,i~.>---- Title: President and Sole Owner Dorinda Kaye Geans-Jay, as President and Sole Owner of Business. BEFORE ME by means of ~ physical presence or D 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---'--G! day of ~re"' Check the appropriate box:
Personally known D
OR Produced Identification IKJ
Type of identification produced C8J Driver's License 0 Passport 0 Other _____ _ (Do not include ID number) Notery Public S11te of Florida 1 Robert George 1 My CommlH!on HH 731872 ◄ Expires 10/18/2029 ,

DORINDA KAYE GEANS-JAY:
Name: Dorinda Kaye Geans-Jay
State of Floc,d..o...
County of 'S \ . T o'-".r-o
Date: ....,.I /.o,...Ai~~'"'"'"''-------'2""'0 ..... 1_~,___ __ Dorinda Kaye Geans-Jay. BEFORE ME by means of JE' physical presence or D 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....!f.e__ day of Mau½ Nota,#fcr= Check the appropriate box:
Personally known 0
OR Produced Identification ~
Type of identification produced 0 Driver's License D Passport ·.LNotary Public State of Florida Robert George My CommlHlon HH 731872 Expires 1ci11e12029 D Other _____ _ (Do not include ID number) OF!fE OF FINANCIAL REGULATION /d-~ ~- r{)dv￾Gregory C. Oaks. Director Division of Consumer Finance Date: 4/10/2026 --------- ---