Final Order — Mortgage Lender

Index: OFR 2026 - 349 • ... ,,..
CKETED \
4/2026
STATE OF FLORIDA G-'.
OFFICE OF FINANCIAL REGULATION
In Re:
FIDELITY DIRECT MORTGAGE, LLC, and
MARIA DSOUZA-DATTA,
Case Number: 134586
Respondents.
FINAL ORDER
The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 494, Florida Statutes, hereby enters this Final Order with Notice of Rights ("Final Order") as authorized by the provisions of chapters 120 and 494, Florida Statutes, against FIDELITY DIRECT MORTGAGE, LLC and MARIA DSOUZA￾DATTA, (together "Respondents"). FINDINGS OFF ACT
1. The Office has jurisdiction over the subject matter of this case and the parties
hereto.
2. At all times material to this case, Respondent, Fidelity Direct Mortgage, LLC
("Fidelity Direct Mortgage") has been licensed with the Office as a mortgage lender having been issued license number MLD1397.
1. At all times material to this case, Maria Dsouza-Datta is and has been the principal
loan originator and majority owner of Fidelity Direct Mortgage, 99% of the shares, and therefore has full charge, control, and supervision of Fidelity Direct Mortgage.
3. The Office conducted an examination (No. 128928) to ascertain Respondents'
compliance with chapter 494, Florida Statutes, and found that grounds existed to initiate a legal action. As such, on May 22, 2026, the Office issued an Administrative Complaint ("Complaint")

(Exhibit A) seeking an administrative fine of $9,750.00 and a 60-day suspension of the mortgage lender license number MLD1397.
4. Respondents were served the Complaint via U.S. Certified Mail on May 27, 2026,
(Exhibit B). As such, a response was due no later than Wednesday, June 17, 2026.
5. The Complaint contained a Notice of Rights, which fully advised Respondent that
it 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 120.59 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 W AIYER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE.
6. To date, the Office has neither received a written response to the Complaint nor
have Respondents made a claim of equitable tolling.
7. 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
8. Pursuant to sections 494.0011 and 494.0012, Florida Statutes, the Office is charged
with administering and enforcing the provisions of chapter 494, Florida Statutes, and conducting examinations and investigations to determine whether any provision of chapter 494, Florida Statutes, has been violated. Thereby, the Office has jurisdiction over the subject matter of this case and of the parties hereto. 2

9. The Findings of Fact herein serve as the basis of the entry of this Final Order against
   Respondents.
10. 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.
11. 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.
12. 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 (Florida 1988).
13. 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).
14. Respondents failed to submit a response to the Complaint and failed to present a
    claim or evidence of equitable tolling. Therefore, it is appropriate for the Office to conclude there was no equitable tolling, and Respondents waived its right to an administrative proceeding.
15. 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 grounds for the Office to impose an administrative fine against FIDELITY DIRECT MORTGAGE, LLC and MARIA DSOUZA-DATTA.
16. 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 grounds for the Office to impose 3

a suspension of FIDELITY DIRECT MORTGAGE, LLC and MARIA DSOUZA-DATTA's mortgage lender license Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED:
A. Within thirty (30) days of the date of this Final Order, Respondents shall pay an ADMINISTRATIVE FINE of NINE THOUSAND SEVEN HUNDRED FIFTY DOLLARS ($9,750.00). B. Respondents shall submit the administrative fine in the form of a money order, cashier's check, or wire transfer made payable to the "OFFICE OF FINANCIAL REGULATION". Such payment shall refer to Case Number 134586 and shall be sent to the attention of the Agency Clerk, c/o Maria A. Guitian, Post Office Box 8050, Tallahassee, Florida 32314-8050.
C. FIDELITY DIRECT MORTGAGE, LLC's mortgage lender license MLD1397
is hereby SUSPENDED for Sixty (60) days effective Thirty (30) days after the date of the entry of this Final Order. DONE and ORDERED this ILf-tl, day of July, 2026, in Tallahassee, Leon County, Florida. 4

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. 5

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been sent for service via US Mail to Fidelity Direct Mortgage, LLC and Maria Dsouza-Datta at 438 North Frederick Avenue, Suite 315, Gaithersburg, MD 20877 on this _/£'1ay of July, 2026. 6 1al Regulation X 8050 Tallahas , FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

EXHIBIT A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
FIDELITY DIRECT MORTGAGE, LLC, and
MARIA DSOUZA-DATTA
Case Number: 134586
Respondents.
ADMINISTRATIVE COMPLAINT
The State of Florida, Office of Financial Regulation ("Office"), files this Administrative CompJaint against FIDELITY DIRECT MORTGAGE, LLC and MARIA DSOUZA￾DATT A (together "Respondents") alleging:
GENERAL ALLEGATIONS

1. Pursuant to sections 494.0011, Florida Statutes, the Office is charged with
   administering and enfore-ing the provisions of chapter 494, Florida Statutes.
2. Pursuant to section 490.00255(1 )(u), Florida Statutes, failure to comply with any
   provision of chapter 494, Florida Statutes, or the corresponding rules constitutes grounds for disciplinary action.
3. Pursuant to section 494.001(18), Florida Statutes, a "Joan originator" is an
   individual who solicits, accepts an application, or negotiates the terms or conditions of a new or an existing mortgage loan on behalf of a borrower ("consumer") or lender, or negotiates the sale of an existing mortgage loan to a noninstitutional investor for compensation.
4. Pursuant to section 494.001(30), Florida Statutes, a "principal loan originator" is the
   loan originator in charge of, and responsible for, the operation of a mortgage lender.
5. Pursuant to section 494.001(24), Florida Statutes, a "mortgage lender" means a

person making a mortgage loan or servicing a mortgage loan for others, or for compensation or gain, directly or indirectly, selling or offering to sell a mortgage loan to a non-institutional investor.
6. Pursuant to section 494.00611(1), Florida Statutes, each person that acts as a
mortgage lender must be licensed under chapter 494, Florida Statutes.
7. Pursuant to section 494.00665(1), Florida Statutes, each mortgage lender must be
operated by a principal loan originator who shal1 have ful] charge, control, and supervision of the mortgage lender business.
8. Pursuant to section 494.001(7), Florida Statutes, a "control person" means among
other things, an individual, partnership, or corporation, that possesses the power, directly or indirectly, to direct the management or policies of a company, whether through ownership of securities, by contract, or otherwise.
9. Pursuant to section 494.0016(1), Florida Statutes, alJ licensees shalJ maintain, at its
principal place of business designated on the license, all books, accounts, records, and documents necessary to determine the licensee's compliance with chapter 494, Florida Statutes.
10. Pursuant to Rule 69V-40.260, Florida Administrative Code, each mortgage lender
shalJ maintain a file for each mortgage loan application received. The files shall contain among other things the following: a copy of the good faith estimate; the original mortgage loan application; copy of the closing statement or closing disclosure; copy of the written lock-in agreement; and copy of any written commitment; and copy of written disclosures.
11. Pursuant to section 494.00255(1 )(m), Florida Statutes, it is grounds for disciplinary
action if a person licensed or required to be licensed, in any mortgage transaction, violates any provision of the federal Real Estate Settlement Procedures Act ("RESP A"), as amended, 12 U.S.C. ss. 2601 et seq.; the federal Truth in Lending Act ("TILA"), as amended, 15 U.S.C. ss. 1601 et seq.; or any regulations adopted under such acts. 2

12. 12 C.F.R. Section 1024.l 7(b) defines an "escrow account: as any account that a
    servicer establishes or controls on behalf of a borrower to pay taxes, insurance premiums (including flood insurance), or other charges with respect to a federally related mortgage loan, including charges that the borrower and servicer have voluntarily agreed that the servicer should collect and pay. The definition encompasses any account established for this purpose, including a "trust account", "reserve account", "impound account", or other term in different localities. An "escrow account" includes any arrangement where the servicer adds a portion of the borrower's payments to principal and subsequently deducts from principal the disbursements for escrow account items.
13. Fidelity Direct Mortgage, LLC ("Fidelity Direct Mortgage") has been licensed with
    the Office as a mortgage lender (MLD1397).
14. Maria Dsouza-Datta (Dsouza-Datta") is the principal loan originator and majority
    owner of Fidelity Direct Mortgage, 99 % of the shares, and therefore has full charge, control, and supervision of Fidelity Direct Mortgage, pursuant to section 494.00665(1), Florida Statutes.
15. The Office received a complaint from consumer N.M., who claimed that Fidelity
    Direct Mortgage had been servicing his loan since its inception in June of 2018 without an active servicing license in the State of Florida and that Fidelity Direct Mortgage had negligently mismanaged the escrow funds.
16. The Office conducted an examination under the authority of section
    494.0012(3)(a), Florida Statutes, (examination number 128928) to ascertain Respondents' compliance with chapter 494 Florida Statutes, and the corresponding rules for the period of January I, 2023 through December 31, 2024 ("examination period").
17. Rule 69V-40. 1 I 1(1 ), Florida Administratrive Code, provides that the penalties that
    are applicable to each ground for disciplinary action that may be imposed by the Office against a 3

person for a violation of chapter 494, Florida Statutes, are set forth in the "Office of Financial Regulation, Division of Consumer Finance, Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities, Form OFR-494-14".
18. Pursuant to Rule 69V-40.111(5), Florida Administrative Code, the range for an
"A" level administrative fine is from $1,000.00 to $3,500.00.
19. Pursuant to Rule 69V- 40. l I I (5), Florida Administrative Code, the range for a "B"
level administrative fine is from $3,500.00 to $7,500.00.
20. Pursuant to Rule 69V- 40.111(6), Florida Administrative Code, the range for an
"A" level suspension of license is from 3 to l O days.
21. Pursuant to Rule 69V- 40.111 (6), Florida Administrative Code, the range for a "B"
level suspension of license is from 10 to 20 days.
COUNT I
22. The above general allegations are hereby re-alleged and incorporated by reference
as if fully stated herein.
23. Pursuant to section 494.00255(1)(c), Florida Statutes, it is grounds for which a
mortgage lender license can be disciplined if the licensee fails to disburse funds in accordance with agreements.
24. As part of its examination, the Office reviewed consumer N.M.'s Closing
Disclosure documents and noted that at the time of closing on June 7, 2018, $3,394.38 were collected for Mortgage Insurance Premium. The Office then found that the premium was refunded to Respondents on February 11, 2019, as the policy was cancelled.
25. The Office requested to see Respondents' escrow account for consumer N.M. The
Office determined that Respondents applied the funds collected at closing for the mortgage insurance premiums to the respective escrow account 1,826 days after the funds were collected. 4

26. The Office also determined that Respondents continued to collect mortgage
    insurance premiums for a policy that was cancelled and the Mortgage insurance premiums that were collected were applied to the outstanding principal, interest, and late fees in disregard of the agreement.

27. Respondents failed to immediately apply to the escrow account the mortgage
    premium insurance funds collected at the time of closing in accordance with the agreements, in violation of section 494.00255(l)(c), Florida Statutes.

28. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and
    Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40.l ll, Florida Administrative Code (2024), violation number 18, a licensee found to have violated section 494.00255(1 )(c ), Florida Statutes, is subject to an "A" level administrative fine, and an "A:" level suspension or revocation of the license.

29. Therefore, the Office is seeking an administrative fine of $2,000.00 and a ten-day
    suspension of the mortgage lender license.
    COUNT II

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

31. Pursuant to 12 C.F.R. §1024.17(k)(l), if the terms of any federally related mortgage
    loan require the borrower to make payments to an escrow account, the loan servicer must pay the disbursements in a timely manner, that is on or before the deadline in order to avoid a penalty, as long as the borrower's payment in not more than 30 days overdue.

32. As part of its examination, the Office reviewed the written agreement between
    Respondents and consumer N .M. regarding the payment of homeowners' insurance. The Office thereafter requested to see the escrow history ledgers for consumer N.M. 5

33. Respondents failed to disburse the funds for consumer N.M.'s insurance premium
    on or about June of the year 2022, causing consumer N.M.' s insurance to lapse.

34. Respondents mismanaged the funds in an escrow account by failing to disburse
    funds in a timely manner in violation of 12 C.F.R. §1024.17(k)(l) and thereby section 494.00255() )(m), Florida Statutes.

35. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and
    Mortgage Entities Form OFR-494-14. incorporated by reference in Rule 69V-40.11 l, Florida Administrative Code (2024), violation number 29, a licensee found to have violated section 494.00255(l)(m), Florida Statutes, is subject to an "A" level administrative fine, and suspension or revocation of the license.

36. Therefore, the Office is seeking an administrative fine of$ I ,250.00 and a JO-day
    suspension of the mortgage lender license.
    COUNT III

37. The above general a11egations are hereby re-alleged and incorporated by reference
    as if fully stated herein.

38. 12 C.F.R. §1024(k)(3), provides that for the payment of property taxes from the
    escrow account, if a taxing jurisdiction offers a servicer a choice between annual and instaJlment disbursements, the servicer must also comply with this paragraph. If the taxing jurisdiction neither offers a discount for disbursements on a lump sum annual basis nor imposes any additional charge or fee for installment disbursements, the servicer must make disbursements on an installment basis. If, however, the taxing jurisdiction offers a discount for disbursements on a Jump sum annual basis or imposes any additional charge or fee for installment disbursements, the servicer may, at the servicer's discretion make lump sum annual disbursements in order to take advantage of the 6

discount for the borrower or avoid the additional charge or fee for installments, as long as such method of disbursement complies with 21 C.F.R. §1024.17(k).
39. As part of its examination, the Office reviewed consumer N.M.'s escrow account
statement and noted that the real property taxes for the year 2021, which were due in November of 2021, were paid late in February of 2022.
40. Respondents failed to pay annual property taxes in a timely manner, in violation of
12 C.F.R. §1024.17(k:)(3), and thereby in violation of section 494.00255(l)(m), Florida Statutes.
41. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and
Mortgage Entities Fonn OFR-494-14, incorporated by reference in Rule 69V-40.l 11, Florida Administrative Code (2024), violation number 29, a licensee found to have violated section 494.00255(1)(m), Florida Statutes, is subject to an "A" ]eve] administrative fine, and suspension or revocation of the license.
42. Therefore, the Office is seeking to impose an administrative fine of $1,000.00 and
a 10-day suspension of the mortgage lender license.
COUNTIV
43. The above general allegations are hereby re-alleged and incorporated by reference
as if fully stated herein.
44. 12 C.F.R. § 1024.17(i) requires for each escrow account, a servicer shall submit an
annual escrow account statement to the borrower within 30 days of the completion of the escrow account computation year. The servicer shaJl also submit to the borrower the previous year's projection or initial escrow account statement to the borrower. The servicer sha11 conduct an escrow account analysis before submitting an annual escrow account statement to the borrower.
45. As part of its examination, the Office requested from Respondents copies of the
annual escrow statements provided to consumer N.M. Respondents did not generate or provide 7

any annual escrow analysis statements.
46. Respondents failed to provide annual escrow analysis statements to borrowers, in
violation of 12 C.F.R. §1024.l7(i), and thereby in violation of section 494.00255(1)(m), Florida Statutes.
47. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and
Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40.11 l, Florida Administrative Code (2024), violation number 29, a licensee found to have violated section 494.00255(1 )(m), Florida Statutes, is subject to an "A" level administrative fine, and suspension or revocation of the license.
48. Therefore, the Office is seeking to impose an administrative fine of $1,000.00 and
a 10-day suspension of the mortgage lender license.
COUNTV
49. The above general allegations are hereby re-alleged and incorporated by reference
as if fully stated herein.
50. Pursuant to 12 C.F.R.§1024.38(a), a servicer shall maintain policies and
procedures that are reasonably designed to achieve the objectives set forth in 12 C.F .R. §1024.38(b).
51. The Office requested to see copies of any and all policies and procedures for
servicing loans and none were provided.
52. Respondents failed to establish policies and procedures for servicing loans, in
violation of 12 C.F.R.§1024.38(a), and thereby section 494.00255(l)(m), Florida Statutes.
53. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and
Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40. ll l, Florida Administrative Code (2024), violation number 29, a licensee found to have violated section 8

494.00255(1 )(m), Florida Statutes, is subject to an "A" level administrative fine, and suspension or revocation of the license.
54. Therefore, the Office is seeking to impose an administrative fine of$ J ,000.00 and
a 10-dayt suspension of the mortgage lender license.
COUNT VI
55. The above genera] allegations are hereby re-a1leged and incorporated by reference
as if fully stated herein.
56. Pursuant to section 494.0076(1)(a), Florida Statutes, each licensee, who services
mortgage loans shall maintain a segregated set of records for accounts that are serviced by the licensee and have a separate, segregated depository account for all receipts re-lating to servicing.
57. As part of its examination, the Office requested to see copies of the bank statements
for the bank account being used to service consumer N.M.'s loan. In response, Respondents provided the Office with bank statements for an account that was being used for disbursement of consumer N.M.'s fund as welJ as for other transactions.
58. Respondents faiJed to maintain both a segregated set of records for accounts they
service and to have a separate segregated depository account at a financial institution for a11 receipts relating to the servicing, in violation of section 494.0076(l)(a), Florida Statutes.
59. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and
Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40.l ll, Florida Administrative Code (2024), violation number 101, a licensee found to have violated section 494.0076(] )(a), Florida Statutes, is subject to a "B" level administrative fine, and a "B" level suspension or revocation of the license.
60. Therefore, the Office is seeking to impose an administrative fine of $3,500.00, and
a 20-day suspension or revocation of the mortgage lender license.
9

WHEREFORE, Respondents, FIDELITY DIRECT MORTGAGE LLC and MARIA DSOUZA-DATT A are hereby notified that the Office intends to enter an Order imposing an administrative fine ofNINE THOUSAND SEVEN HUNDRED FIFTY DOLLARS ($9,750.00) and a Sixty (60) day suspension of the mortgage )ender license number MLD1397. 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 or E-Mail
Office of Financial Regulation
P .0. Box 8050
Tallahassee, FL 32314-8050
Phone: (850) 4 J 0-9889
Emai I: Agency.Clerk@flofr.gov
OR By Hand Deliven ·
Office of Financial Regulation
General Counsel's Office
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 MAV 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 10

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, The Fletcher Building, 101 East Gaines Street, Suite 504, TaJlahassee, Florida 32399, Phone: (850) 410-9889, or by Email: Agency.Clerk@flofr.gov. -tnwit) a.. }p,;t.,tJ Maria A. Guitian Assistant General Counsel Office of Financial Regulation Office of General Counsel Fla. Bar No. 813966 200 E Gaines Street Tallahassee, FL 32399 Tel: (305) 536-0341 Email:Maria.Guitian@flofr.gov CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been sent for service by U.S. Certified Mail to Fidelity Direct Mortgage, LLC and Maria Dsouza-Datta at 438 North Frederick Avenue, Suite 315, Gaithersburg, MD 20877, and Maria Dsouza-Datta, 13708 Blue Bay Circle, Fort Myers, Florida 33913 on this 22nd day of May, 2026. 9489 □□ 90 □□ 27 662 □ 8137 67 ~a.A,;t. Maria A. Guitian Assistant General Counsel Office of Financial Regulation II

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
Case No: 134586
Fidelity Direct Mortgage LLC
438 North Frederick Avenue, Suite 315
Gaithersburg, MD 20877
ELECTION OF PROCEEDING
I have received and read the Administrative Complaint, including the Notice of Rights, filed by the Office of Financial Regulation ("Office") 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 condusions 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 (OOAH) 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 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: Agencv.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 City 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: 134586
Fidelity Direct Mortgage LLC
438 North Frederick Avenue, Suite 315
Gaithersburg, MD 20877
**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

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June 18, 2026
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EXHIBITB
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