LogoRegulatory Alerts
2026-04-21

Added · Updated

Final Order — Motor Vehicle Retail Installment

The Florida Office of Financial Regulation issued a Final Order against Galaxy Motors, Inc. and Joey Segura Sr. for violating Chapter 520, Florida Statutes, after they failed to respond to an administrative complaint within the required 21-day period. The respondents are sanctioned for conducting unlicensed motor vehicle retail installment sales, ignoring a prior cease and desist order, and refusing to comply with a regulatory subpoena. Consequently, the Office imposed a $25,750 administrative fine and ordered the respondents to cease and desist from further violations of the statute.

Florida Office of Financial Regulation logo

United States

Florida Office of Financial Regulation

Click to view thumbnail

Index: OFR 2026 - 220 ... / OOCKE.TEO /21/2026 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: GALAXY MOTORS, INC., and JOEY SEGURA SR., Respondents. Case Number: 125580 FINAL ORDER The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 520, Florida Statutes, hereby enters this Final Order with Notice of Rights ("Final Order") as authorized by the provisions of chapters 120 and 520, Florida Statutes, against GALAXY MOTORS, INC., and JOEY SEGURA SR. ("Respondents"). FINDINGS OF FACT

  1. On May 23, 2025, the Office issued an Administrative Complaint ("Complaint") against Respondents, alleging a violation of chapter 520, Florida Statutes. (Exhibit I)
  2. The Office served the Complaint on Respondents by certified U.S. mail on March 10, 2026 (Exhibit II).
  3. 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 allegations 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 RECENED 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. 4. Respondents' written response to the Complaint was due on or before April 1, 2026. To date, the Office has not received any response to the Complaint. 5. To date, Respondents have not submitted any request for hearing or any claim of equitable tolling. 6. The statements of facts as alleged in the Complaint are incorporated herein by reference as if fully set forth herein, and being uncontested by Respondents, are accepted as true and correct and are adopted by the Office as Findings of Fact for purposes of this Final Order. CONCLUSIONS OF LAW 7. The Office is responsible for the administration and enforcement of chapter 520, Florida Statutes, and has jurisdiction over the subject matter and Respondents pursuant thereto. 8. The Findings of Fact that have been adopted herein serve as the basis of the entry of this Final Order against Respondents. 9. 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. 2

  1. 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.
  2. The doctrine of equitable tolling can be applied in administrative cases when a party "has been misled or lulled into inaction, 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, 1134 (Fla. 1988).
  3. 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).
  4. In the absence of a claim of equitable tolling, a party (who is even one day late requesting a hearing) has waived its due process rights and an agency shall determine that the respondent's filing is untimely. See Cann v. Dept of Children and Family Services, 813 So. 2d 237,238 (Fla 2nd DCA 2002) (recognizing that a petition that was one day late was untimely when a claim of excusable neglect was insufficient in justifying an extension of the deadline).
  5. When Respondents failed to file a petition or any other document in response to the Complaint within the 21-day time period allowed by law, they also failed to present a claim of equitable tolling; as such, the waiver of the right to an administrative hearing by Respondents is complete. See Patz v. Dept. of Health, 864 So. 2d 79, 80 (Fla. 3d DCA 2003).
  6. 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 GALAXY MOTORS, INC., and JOEY SEGURA SR. 3

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 TWENTY-FIVE THOUSAND SEVEN HUNDRED FIFTY DOLLARS ($25,750.00). 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 125580 and shall be sent to the attention of Agency Clerk, c/o Joaquin Alvarez, Assistant General Counsel, P.O. Box 8050, Tallahassee Florida 32314-8050. C. Respondents shall CEASE and DESIST from any further violations of chapter 520, Florida Statutes, and the rules promulgated thereto. DONE and ORDERED this 2).-&r day of April, 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 or Email Agency Clerk Office of Financial Regulation P.O. Box 8050 Tallahassee, Florida 32314-8050 Phone: (850) 410-9889 Agency.Clerk@flofr.gov OR By Hand Delivery Agency Clerk Office of Financial Regulation General Counsel's Office The Fletcher Building 101 East Gaines Street Tallahassee, Florida 32399 Phone: (850) 410-9889 A COPY OF THE NOTICE OF APPEAL, ACCOMPANIED BY THE FILING FEES AS REQUIRED BYLAW, 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 was furnished via U.S. mail to Galaxy Motors, Inc. and Joey Segura Sr., 3010 Phillips Street, Melbourne, FL 32901 and via email to contact@seguralandscaping.com, on this CJ Sf-;_ay of April, 2026. 6 gulation 4-8050 1 : ncy. lerk@flofr.gov Tel: (850) 410-9889

Florida Office of Financial Regulation i g 200 East Gaines Street I Tallahassee, Florida 32399-0370 1111111 II I ,,; .. CL! ~m RETURN SERVICE REQUESTED 'iji'i' !r 9489 □□ □ 27 6620 8139 65 Galaxy Motors, Inc. and Joey Segura Sr. 3010 Phillips Street Melbourne, FL 32901 ~ --3 0 ~ z~ 00. ~ --3 = >~ z= --3 ~ 0~ § ~ ~

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: GALAXY MOTORS, INC., and JOEY SEGURA SR. Respondents. ADMINISTRATIVE COMPLAINT Case Number: 125580 The State of Florida, Office of Financial Regulation ("Office"), files this Administrative Complaint against GALAXY MOTORS, INC. and JOEY SEGURA SR. (together as "Respondents"), alleging: PARTIES AND JURISDICTION

  1. Pursuant to sections 520.994 and 520.996, Florida Statutes, the Office is charged with administering and enforcing the provisions of chapter 520, Florida Statutes, and is authorized to conduct examinations and investigations to determine whether any provision of chapter 520, Florida Statutes, has been violated by any person.

  2. Pursuant to section 520.02(17), Florida Statutes, "retail installment contract" or "contract" means an agreement entered into in Florida "pursuant to which the title to, or a lien upon the motor vehicle, which is the subject matter of a retail installment transaction, is retained or taken by a seller from a retail buyer as security, in whole or in part, for the buyer's obligation."

  3. Pursuant to section 520.02(18), Florida Statutes, "retail installment transaction" means "any transaction evidenced by a retail installment contract entered into between a retail buyer and a seller wherein the retail buyer buys a motor vehicle from the seller at a deferred payment price payable in one or more deferred installments." 1

  4. Pursuant to section 520.02(11 ), Florida Statutes, a "motor vehicle retail installment seller" or "seller" means "a person engaged in the business of selling motor vehicles to retail buyers in retail installment transactions."

  5. Pursuant to section 520.995(2), Florida Statutes, control persons are subject to disciplinary action for violations of chapter 520, Florida Statutes.

  6. Pursuant to section 520.02(4), Florida Statutes, a "control person" means "an individual, partnership, corporation, trust, or other organization 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."

  7. Pursuant to subsections 520.995(1) and (2), Florida Statutes, failure to comply with any provision of chapter 520, Florida Statutes, or its rules constitutes grounds for disciplinary action, up to license revocation and the imposition of an administrative fine not to exceed $1,000 for each act.

  8. At all times material, Galaxy Motors, Inc. ("Galaxy Motors") has conducted business as a motor vehicle retail installment seller in Melbourne, Florida.

  9. Galaxy Motors was previously licensed as a motor vehicle retail installment seller under chapter 520, Florida Statutes, License No. MV991101 l. However, its license expired on December 31, 2018.

  10. Based on a complaint received from a customer who had purchased and financed a vehicle through Galaxy Motors, the Office conducted an examination (#124804) of Respondents' business records and operations for the period of February 1, 2024, through December 31, 2024 ("examination period").

  11. At all times material, Joey Segura Sr. is and has been the president and 100% owner of Galaxy 2

Motors, therefore, he is a control person of Galaxy Motors. FACTUAL ALLEGATIONS 12. On October 13, 2023, in Case 113117, the Office issued an Administrative Complaint against Galaxy Motors and Joey Segura Sr. for, among other things, operating as a motor vehicle retail installment seller without a license. 13. On February 1, 2024, the Office entered a Final Order against Galaxy Motors Inc. and Joey Segura Sr., requiring them to cease and desist from conducting any motor vehicle retail installment sale transactions, and imposing an administrative fine of $50,000. See Exhibit A. 14. Despite being prohibited from conducting motor vehicle retail installment sale transactions by the Final Order, Galaxy Motors engaged in a scheme with a licensee, Easy Auto Loan, Inc. ("Easy Auto"), to allow them to continue to conduct these transactions. 15. Easy Auto has been licensed as a motor vehicle retail installment seller under chapter 520, Florida Statutes, since October 29, 2021 (License #MV9916294). 16. At an times material, Joey Segura Jr. was the president and 100% owner of Easy Auto. 17. Galaxy Motors is associated with Easy Auto. The owner of Galaxy Motors is the father of Joey Segura Jr. (the owner of Easy Auto). Furthermore, Joey Segura Jr. is the general manager of Galaxy Motors. 18. The arrangement between Galaxy Motors and Easy Auto worked as follows: a. Galaxy Motors sold nineteen motor vehicles to buyers in retail installment transactions after February 1, 2024. See Exhibit B. b. Each of these nineteen retail installment transactions listed Galaxy Motors as the seller. 3

c. In each of these nineteen retail installment transactions, Galaxy Motors immediately sold and assigned all right, title, and interest in the contract to Easy Auto. d. Easy Auto, which had a valid motor vehicle retail installment seller license, would thereafter record the required lien for the vehicle. e. Despite the contracts being assigned to Easy Auto, Galaxy Motors accepted installment payments from the buyers after the date the contracts were assigned to Easy Auto. COUNT I 19. Paragraphs 1 through 18 are hereby re-alleged and incorporated by reference as if fully stated herein. 20. Pursuant to section 520.03(1 ), Florida Statutes, a person may not engage in the business of a motor vehicle retail installment seller without a license. 21. Respondents engaged in at least nineteen motor vehicle retail installment transactions after its license expired, in violation of section 520.03(1 ), Florida Statutes and section 520.995(1)(a), Florida Statutes. 22. Pursuant to Section 520.995(2)(f), Florida Statutes and Rule 69V-85. l 11 (2), Florida Administrative Code, the Office may impose an administrative fine of $1,000 for each such act. 23. Pursuant to Rule 69V-85.l 11(3), the Office may deviate from the disciplinary guidelines in the presence of aggravating circumstances. Aggravating circumstances can include the disciplinary history of the person. 4

  1. Respondents, in Case 113117, had previously been disciplined for engaging in motor vehicle retail installment seller activity without a license. Therefore, this aggravator applies.

  2. The Office is seeking to impose a fine of $23,750.00 for this violation. COUNT II

  3. Paragraphs 1 through 18 are hereby re-alleged and incorporated by reference as if fully stated herein.

  4. Pursuant to section 520.995(1 )(a), Florida Statutes, failure to comply with any order adopted pursuant to chapter 520 is a violation and constitutes grounds for disciplinary action.

  5. Respondents failed to comply with the Final Order entered in Case 113117 in violation of section 520.995(l)(a), Florida Statutes, by conducting motor vehicle retail installment transactions after the Final Order ordered them to cease and desist from such activity.

  6. Pursuant to Section 520.995(2)(f), Florida Statutes, the Office may impose an administrative fine of $1,000 for each such act.

  7. The Office is seeking to impose a $1,000 fine for this violation. COUNT III 31 Paragraphs 1 through 18 are hereby re-alleged and incorporated by reference as if fully stated herein.

  8. Pursuant to section 520.995(1 )(g), Florida Statutes, refusal to permit inspection of books and records in an investigation or examination by the Office, or refusal to comply with a subpoena issued by the Office, is a violation and constitutes grounds for disciplinary action.

  9. On September 20, 2024, the Office served Respondents with a subpoena to produce documents related to an examination. (Exhibit C) 5

  10. Respondents refused to comply with the subpoena, in violation of section 520.995(l)(g), Florida Statutes.

  11. Pursuant to Section 520.995(2)(±), Florida Statutes, and Rule 69V-85. J J I (2), the Office may impose an administrative fine of $1,000 for each such act.

  12. Therefore, the Office is seeking to impose a fine of $1,000 for this violation. WHEREFORE, Respondents, GALAXY MOTORS, INC. and JOEY SEGURA SR. are hereby notified that the Office intends to enter an Order imposing a fine of $25,750.00. [intentionally left blank] 6

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: Agencv.Clerk·a flofr. ov OR B,, 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 TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITIDN 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 FAIL URE 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. 7

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, 200 East Gaines Street, Tallahassee, Florida 32399, Phone: (850) 410-9889, or by Email: Agenc, .Clerk<tl flofr. uov. DATED and SIGNED this 23rd day of May, 2025. Russell C. Weigel, III Commissioner By:Jenni/er Blakeman Jennifer Blakeman Florida Bar No. 0506877 Assistant General Counsel Office of Financial Regulation Office of General Counsel 200 East Gaines Street Tallahassee, FL 32399 Tel: (407)245-0644 Email: j_ennifer.blakcman a -flofr.1:ov CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been sent for service by process server to Galaxy Motors, Inc. and Joey Segura Sr., 3010 Phillips Street, Melbourne, FL 32901, this 27th day of May 2025. 8 /s/ Jennifer Blakeman Jennifer Blakeman

AMENDED CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing has been sent for service by US. Mail and Certified US mail to Galaxy Motors, Inc. and Joey Segura Sr., at 3010 Phillips Street, Melbourne, FL 32901, on this 6th day of March, 2026. 94B9 0090 0027 bbcO 8139 bS 11

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 125580 Galaxy Motors, Inc. and Joey Segura Sr. 3010 PhiIJips Street, Me]boume, FL 32901 ELECTION OF PROCEEDING I have received and read the Administrative Comp]aint, including the Notice of Rights, filed by the Office of Financia] Regulation ("Office") regarding the above-referenced Respondent, and I am requesting disposition as indicated below. PLEASE SELECT ONLY ONE OF THE OPTIONS: OPTION #1: □ 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 oflaw in the Administrative Complaint, and im posing the penalties sought in the Administrative Complaint. OPTION #2: □ I do not dispute any of the Office's factual allegations but dispute the Office's conc]usions 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 3 OPTIONS): a. □ Attend a hearing by telephone conference call before a Hearing Officer appointed by the Office; OR b. □ Attend a hearing in person with a Hearing Officer appointed by the Office; OR c. □ Submit a written statement with supporting documentation to a Hearing Officer appointed by the Office. OPTION #3: □ I do dispute one or more of the Office's factual allegations. I request a formal hearing in person 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 attachina a copv of the material facts that I disrute. If you selected Option #2 or #3, above, and wish to engage in settlement neirotiation, please check the box below: □ I am interested in settlement negotiation. I request the Office to NOT refer my case for a hearing at this time. 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 .0. Box 8050, Tallahassee, Florida 32314-8050; or
  3. By hand delivery: General Counsel's Office, Fletcher Bldg., J 01 E. Gaines Street, Tallahassee, FL 32399._ Election of Proceeding Page 1 of2

Signature of Respondent or Mailing Address Authorized Representative of Respondent Printed Name & Title City State Date E-mail Address Telephone Number Date Administrative Complaint was received: ___ _ Election of Proceeding Pagel of2 Zip Fax Number

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 125580 Galaxy Motors, Inc. and Joey Segura Sr. 3010 Phillips Street, Melbourne, FL 32901 **YOU ARE TO COMPLETE THE FOLLOWING ONLY IF YOU HA VE 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 Election of Proceeding Page 2 of2 Date

EXHIBIT A (TO ADMINISTRATIVE C9M~INT) Index: OFR 2024 - 49 J/" OOCKUEO • 'l 2/1/2024 \ STATE OF FLORIDA ____ ........................ ,--i OFFICE OF FINANCIAL REGULATION In Re: GALAXY MOTORS INC., and Case Number: 1131 t 7 JOEY SEGURA, a/k/a JOEY SEGURA, SR., Respondents. FINAL ORDER The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 520, Florida Statutes, hereby enters this Final Order as authorized by the provisions of chapters 120 and 520, Florida Statutes, against Galaxy Motors Inc., and Joey Segura, a/k/a Joey Segura, Sr., ("Respondents") which imposes administrative fines and requires Respondents to CEASE and DESIST from violations of chapter 520, Florida Statutes. FINDINGS OF FACT I. The Office has jurisdiction over the subject matter of this case and the parties hereto in that Respondents have conducted business as motor vehicle retail installment sellers in the state of Florida. 2. The Office conducted an examination of Respondents' business and found that grounds existed to initiate administrative action. As such, the Office i8sut:d an Administrative Complaint ("Complaint") alleging violations of chapter 520, Florida Statutes, and giving Respondents notice of the Office's intent to impose administrative fines and to enter a CEASE￾and-DESIST order. (Exhibit A). 3. The Complaint contained an Election of Proceeding fonn and a Notice of Rights that advised Respondents of their opportunity to request an administrative hearing in accordance with sections 120.569 and 120.57. Florida Statutes, within twenty-one (21) days of service of the Complaint. The Notice of Rights included the following text:

TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFF1CE 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 RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A "'AIVER OF THE RESPONDENT'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE. 4. On October 16, 2023, the Complaint was delivered by United States Postal Service ("USPS") certified mail to the Respondents' address of record with the Office. The USPS delivery report, which corresponds with tracking number appearing on the Complaint, is attached hereto as Exhibit B. 5. A written response to the Complaint was due no later than November 6, 2023. 6. To date, the Office has not received the Election of Proceeding fonn, any request for hearing, or any other written response. Likewise, no evidence or circumstances exist which would give rise to a claim of equitable tolling. 7. All facts and allegations set forth in the Complaint are hereby incotporated by reference and adopted as Findings of Fact in this Final Order. CONCLUSIONS OF LAW 8. The Office is responsible for the administration and enforcement of chapter 520, Florida Statutes, and has jurisdiction over the subject matter of this case and of the parties hereto. 9. The Findings of Fact herein serve as the basis of the entry of this Final Order. 10. Se(,'tion 120.569(2)(a), Florida Statutes, and Rule 28-106.111 (2), Florida Administrative Code, require that a response or a petition to an action which affects the substantial interests of a party be filed with the agency within twenty-one (21) days of a respondent's receipt of written notice of the action. 2

  1. Without any evidence of equitable tolling, it is appropriate for the Office to conclude that the doctrine does not apply to extend the twenty-one (21) day deadline. Patz v. Dept. ofJlealth, 864 So. 2d 79, 80 (Fla. 3d DCA 2003).
  2. Pursuant to Rule 28-106.111(4), Florida Administrative Code, the failure of a respondent to timely respond to a complaint constitutes a waiver of the respondent's right to an administrative hearing.
  3. When a party waives its right to chalJenge the factual allegations of an administrative complaint, the facts of the complaint are deemed to be admitted. Trisha's One Stop v. Office of Financial Regulation. 130 So.3d 285 (Fla. ]st DCA 2014).
  4. Respondents herein have waived their right to a hearing, and the factual a11egations set forth in the Complaint are admitted.
  5. The conclusions of law set forth in the Complaint are hereby incmporated by reference and adopted as Conclusions of Law in this Final Order. Specifically, the Office concludes that Respondents violated the statutes and rules as charged in the Complaint.
  6. A CEASE and DESIST order is authorized, pursuant to section 520.994(3), Florida Statutes, when a person has violated, is violating, or is about to violate any provision of chapter 520, Florida Statutes.
  7. Pursuant to section 520.12, Florida Statutes, "Any person who willfully and intentionally violates any provision of s. 520.995 or engages in the business of a retail insta1lment seller without obtaining a license as required by this part is guilty of a misdemeanor of the first degree, punishable as provided ins. 775.082 ors. 775.083." 3

Based upon the foregoing, it is hereby ORDERED: A. Under penalty of criminal law and the enforcement provision of section 520.994(2), Florida Statutes, Respondents are required to CEASE and DESIST from conducting any motor vehicle retail installment sale transactions and from engaging in any violation of chapter 520, Florida Statutes; B. Respondents are assessed an ADMINISTRATIVE FINE of Fifty Thousand Dollars ($50,000.00). C. Within thiny (30) days of the docketing ofthis Final Order, Respondents shall pay said administrative fine by submitting payment in the form of a wire transfer, money order or cashier's check made payable to the "Office of Financial Regulation." Such payment shall reference this case nwnber and be sent to the attention of Agency Clerk, c/o Gerald A. Perez, Assistant General Counsel, P.O. Box ROSO, Tallahassee., Florida 32314-8050. DONE and ORDERED this I ~r- day of February, 2024, in Talla.hasscc, Leon County, Florida. }' lll ' '• Russell C. Wei&--:·!, Ill Commissioner 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: B v Mail or Email Agency Clerk Office of Financial Regulation P .0. Box 8050 Tallahassee, Florida 32314-8050 Phone: (850) 410-9889 Email: Agency.Clerk@flofr.gov OR B, Hand Deliverv Agency Clerk Office of Financial Regulation General Counsel's Office The Fletcher Building 101 East Gaines Street Tallahassee, Florida 32399-0379 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 COURTOF 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 ~'ID 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 has been sent for service by United States mail to Galaxy Motors Inc. and Joey Segura, 3010 Phillips St., Melbourne, FL, 32901 on this ~ day of February, 2024. 9489 0090 0027 6214 9353 94

y ---~ r /. .,•" .~ . ;~:..-... _.:::; ~ ,... /.gi.,n.:y k, ·;1.'fi; 5 n.n,:e or'Tfoancial Regulation P(i t Office Jtox 8050 Tai.lahas~c, FL 32314-8050 Email: ~gcncy.clcrk@flofr.gov Tel: (850) 410-9889

Flonda Office of Financial Regu1~t1on 200 East 'iaines Strr.et I 1allahasser, Floridi! 32.3~9 U370 ~11n 11m 1m RFTURN SERVICE: REQUESTED 946~ DD9D 0027 b21~ 9312 97 Galaxy Motors Inc. and Joey Segura 3010 Phillips St. Melbourne, FL, 32901 .., iii 8 H !l ..-.... --f 0 ......... "' ...Ji. ......... 0 "' ~ "' "Tl ~

  • < z :c )> .... r = 0 ... :::a -3 0 > m :::0 ..._..

ST ATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: GALAXY MOTORS INC., and Case Number: 113117 JOEY SEGURA, a/k/a JOEY SEGURA, SR., Respondents. ADMINISTRATIVE COMPLAINT AND NOTICE OF INTENT TO ISSUE CEASE AND DESIST ORDER The State of Florida, Office of Financial Regulation ("Office"), files this Administrative Complaint against GALAXY MOTORS INC., and JOEY SEGURA a/k/a JOEY SEGURA, SR., ("Respondents"), alleging: LEGAL AUTHORITY

  1. Pursuant to sections 520.994 and 520.996, Florida Statutes, the Office is charged with ad ministering and enforcing the provisions of chapter 520, Florida Statutes and is authorized to conduct examinations and investigations to detennine whether any provision of chapter 520, Florida Statutes, has been violated.

  2. Pursuant to section 520.995(1 )(a), Florida Statutes, failure to comply with any provision of chapter 520, Florida Statutes, or its rules, is a violation of Florida law and constitutes grounds for disciplinary action.

  3. Pursuant to section 520.995(2) Florida Statutes, and Rule 69V-85. l (2), Florida Administrative Code, the Office may impose sanctions including, but not limited to, a fine of up to $1,000 against any person for each act in violation of chapter 520, Florida Statutes.

  4. Pursuant to section 520.995(4), Florida Statutes, a partnership or corporation is subject to disciplinary action for violations of chapter 520, Florida Statutes, that are committed by a partnership member or corporate officer or director, or any control person. 1

  5. Pursuant to section 520.02(17), Florida Statutes, "retail installment contract" OT "contract" means an agreement in which "the title to, or a lien upon the motor vehicle, which is the subject matter of a retail installment transaction, is retained or taken by a seller from a retail buyer as security, in whole or in part, for the buyer's obligation."

  6. Pursuant to section 520.02(18), Florida Statutes, "retail installment transaction" means "any transaction evidenced by a retail installment contract entered into between a retail buyer and a seJJer wherein the retail buyer buys a motor vehicle from the seller at a deferred payment price payable in one or more deferred installments."

  7. Pursuant to section 520.02() 6), Florida Statutes, "retail buyer" or "buyer'' includes a person who buys a motor vehicle from a seller not principally for the purpose of resale, and who executes a retail installment contract in connection therewith.

  8. Pursuant to section 520.02(11), Florida Statutes, a "motor vehicle retail installment seller" or "seller" is a person or entity en.gaged in the business of selling motor vehicles to retail buyers in retail installment transactions.

  9. Pursuant to section 520.02(14 ), Florida Statutes, a "person" means an individual, partnership, corporation, association, and any other group.

  10. Pursuant to section 520.02(4), Florida Statutes, a "control person" includes an individual, partnership, or corporation that possesses the power to direct the management oT policies of a company, whether through ownership of securities, by contract, or otherwise. GENERA,!-, ~!,LEGATIONS 11 On February 13, 2015, Joey Segura, also known as Joey Segura, Sr., esegura") fonned and incorporated Galaxy Motors, Inc. ("Galaxy") for the purpose of conducting business as a used car de-alership. 2

  11. At aJI times, Segura was the president or sole owner of Galaxy and, as such, possessed the power to direct its management or policies. Therefore, Segura was Galaxy's "control person" pursuant to section 520.02(4), Florida Statutes.

  12. On February 19, 2016, Galaxy was licensed with the Office as a motor vehicle retail installment seller. All times material hereto, both Galaxy and Segura maintained an address of record with the Office of 3010 Phillips Street, Me]boume, Florida, 32901.

  13. On December 31, 2018, Galaxy's license expired, and it has at no time thereafter been licensed as a motor vehicle retail instalhnent seJier with the Office.

  14. On October 27, 2020, Galaxy submitted an application to the Office for another motor vehicle retail insta]Jment sale license which was not deemed complete until May 3, 2021.

  15. On January 6, 2021, the Office initiated an examination (#103013) of Galaxy relative to its Brevard County location and reviewed Responclents' business records.and operations for the period of January I, 20)9, through December 31, 2020. During the course of the examination, Respondents also turned over records of motor vehicle retail installment sales from

  17. On April 30, 2021, the Office received a complaint from the Department of Highway Safety and Motor Vehicles ("DHSMV") that Galaxy violated Florida law by not timely transfening a vehicle title into a consumer's name and repossessing it for nonpayment. DHSMV also reported that Galaxy sold 138 vehicles for the period October 1, 2020, through March 29, 2021, with 109 liens having been recorded in Galaxy's name.

  18. On October 14, 2021, during the course of the examination of Galaxy's Brevard County location, the Office discovered that it might have been conducting business as a motor vehicle retail installment seller at a second location: 3001 S. Pine Avenue, Ocala, Marion County, 3

Florida, 34480. On December 1, 2021, an examiner with the Office conducted a site visit at the Marion County address and verified that Galaxy was, in fact, conducting business at that location. 19. On March I 5, 2022, the Office initiated a second examination (# 109503) of Galaxy relative to its Marion County location and reviewed Respondents' business records and operations for the period of January 1, 2019, through December 31, 2020. During the course of the examination, the Office also reviewed certain of the Respondents' business records and operations from 202). 20. On October 11, 2022, after delays associated with amended applications and a full hearing contesting the Office's 2021 Notice of l ntent to Deny Application for Motor Vehicle Retail lnstalhnent Seller License, the Office issued a Final Order denying Respondents' application under chapter 520, Florida Statutes, (case #105747). 2] _ On January 25, 2023, Segura filed an annual report with the Florida Secretary of State to renew Galaxy as an active co1poration for 2023. Galaxy continues to hold itself out as a car dealership offering motor vehicle retail instalhnent sales. COUNTI 22. The legal authority and general factual allegations above are hereby re-alleged and incorporated by reference as if fully set forth herein. 23. Pursuant to section 520.03(1). Florida Statutes, a person may not engage in the business of a motor vehicle retail instalhncnt seller or operate a branch of such business without a license. Each location must be licensed, except that only one license is required for multiple locations within the same county. 24. As part of its examinations, the Office reviewed motor vehicle sales transactions entered into by Respondents after December 31, 2018, at its Melbourne, Brevard County, Florida 4

location and at its Ocala, Marion County, Florida location. The Office found transactions wherein vehicles were sold and financed by Respondents through retail instalbnent sale transactions. 25. The Office found fifteen (15) motor vehicle retail installment sale transactions which were entered into by Respondents at their Melbourne, Brevard County location after December 31, 2018. 26. The Office found three (3) motor vehicle retail installment sale transactions which were entered into by Respondents at their Ocala, Marion County location after December 31, 2018. 27. Respondents operated two motor vehicle retail instalbnent sale locations in two Florida counties and were required to possess two motor vehicle retail installment seller licenses. 28. At no time after December 31, 2018, were Respondents licensed with the Office as a motor vehicle retail installment seller pursuant to chapter 520, Florida Statutes. 29. Respondents Violated section 520.03(1), Florida Statutes, by operating as motor vehicle retail insta]lrnent sel1ers without a license in at least eighteen (18) transactions. 30. The Office is seeking and intends to impose an administrative fine of $18,000. COUNT II 3 I . The legal authority and general factual allegations above are hereby re-alleged and incorporated by reference as if fully stated herein. 32. Pursuant to Rule 60V-50.001(2)(a), Florida Administ.rative Code, the month of birth of the retail buyer must be shown on the face of the motor vehicle retail installment contract to support charges for motor vehicle licenses and liens for perfecting any security interest in the collateral. 33 . The Office found that up to fourteen (14) of Respondents' motor vehicle retail instalhnent sale contracts included charges for motor vehicle licenses and liens for perfecting a 5

security interest but did not inc]ude the birth month of the buyer on the face of the contract. 34. Respondents yjolated Rule 60V-50.001(2)(a), Florida Administrative Code, and thus section 520.995(1 )(a), Florida Statutes, by failing to record on the face of their motor vehicle retail installment contracts the birth months of buyers. 35. The Office is seeking and intends to impose an administrative fine of $1,000. COUNT ill 36. The legal authority and general factual allegations above are hereby re-alleged and incorporated by reference as if fully stated herein. 37. Pursuant to section 520.07(J)(b)J ., Florida Statutes. when bodily injury and property damage liability insurance are not included within the terms of the transaction. a retail installment contract must contain a specific statement that "liability insurance coverage for bodily injury and property damage caused to others is not included." 38. The Office found fifteen (15) of Respondents' motor vehicle retail installment contracts did not provide bodily injury and property damage liability insurance coverage and failed to include the specific disclaimer statement required by statute. 39. Respondents violated section 520.07(l)(b)J., Florida Statutes, by failing to include in their motor vehicle retail instalhnent contracts a specific statement that liability insurance coverage for bodily injury and property damage was not included. 40. The Office is seeking and intends to impose an administrative fine of $15,000. COU~TJY 41. The legal authority and generaJ factual allegations above are hereby re-alleged and incorporated by reference as if fully stated herein. 42. Pursuant to section 520.07(2)(e), Florida Statutes, a retail instalhnent contract must 6

contain the number of scheduled payments, the amount of each payment, and the date of the first instalhnent payment. 43. The Office found that Respondents did not include the date of the first installment payment on fifteen (15) if its motor vehicle retaH instalhnent contracts. 44. Respondents violated section 520.07(2)(e), Florida Statutes, by failing to include the date of the first instalhnent payment on motor vehicle retail installment contracts. 45. The Office is seeking and intends to impose an administrative fine of $15,000. COUNTV 46. The legal authority and general factual allegations above are hereby re-alleged and incorporated by reference as if fully stated herein. 47. Pursuant to section 520.07(1 Xd), Florida Statutes, a retail installment contract must contain a description of the motor vehicle including its year, make, model, and vehicle identification number ("VIN"). 48. The Office found that Respondents did not include the VIN on one (l) motor vehicle retail instalhnent contract. 49. Respondents violated section 520.07(1)(d)1 Florida Statutes, by failing to include the VIN on one (1) motor vehicle retail installment contract. 50. The Office is seeking and intends to impose an administrative fine of $1.000. CEASE AND DESIST 51. The legal authority and general factual allegations above are hereby re-alleged and incorporated by reference as if fully stated herein. 52. Pursuant to section 520.994(3), Florida Statutes, the Office is authorized to issue a cease and desist order whenever it finds that a person has violated, is violating, or is about to 7

violate any provision of chapter 520, Florida Statutes. 53. The Office has found that Galaxy and Segura have violated, are violating, or are about to violate chapter 520, Florida Statutes, by engaging in unlicensed motor vehicle retail installment sales activity and other statutory violations as set forth above. 54. Notice is hereby given that the Office intends to enter a CEASE AND DESIST ORDER which prohibits the Respondents from engaging in unlicensed motor vehicle retail instalhnent sales activity in or from Florida in violation of chapter 520, Florida Statutes and from engaging in any other violation of chapter 520, Florida Statutes. WHEREFORE, Respondents. GALAXY MOTORS INC, and JOEY SEGURA. are hereby notified that the Office intends to enter a Final Order: A) imposing a total administrative fine of $50,000 against the Respondents; and B) requiring Respondents to CEASE AND DESIST from conducting motor vehicle retail instalJment sale transactions without a license and from engaging in any other violation of chapter 520, Florida Statutes. [this section intentionally left blank] 8

NOTICE OF RIGHTS All parties are entitled to be represented by counsel or another qualified representative. The parties also have the right to request a hearing pursuant to sections 120.569 and 120.57, Florida Statutes. Such request must comply with Rules 2 8-106.2015 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 Email Agency Clerk Office of Financial Regulation Office of General Counsel P .0. Box 8050 Tallahassee, FL 32314-8050 Phone: (850) 410-9889 Email: Agency.Clerk@flofr.gov OR B, Hand Delivery Agency Clerk Office of Financial Regulation Office of General Counsel The Fletcher Building, Suite 504 101 East Gaines Street 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 WITlllN TWENTY-ONE (21) DA VS AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY THE OFFICE NO LATER THAN S:00 P.M. ON THE TWENTY-FIRST DAY AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. AFAJLURETOTIMELYRESPONDlNWRITINGWILLCONSTITurE A WAIVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MA V 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 fo])ow 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 avaiJable. 9

NOTICE TO RESPONDENTS ln accordance with the Americans with Disabilities Act, persons with disabilities needing a 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, Suite 504, 200 East Gaines Street, TaUahassee, Florida 32399-0379, Phone: (850) 410-9889: orby Email: Agency.Clerlc@flofr.gov. DATED and SIGNED this 13111 day of October, 2023. RUS.Sell C. Weigel. Ill Commissioner Isl Gerald A. Perez Gerald A. Perez, Esq. Assistant General Counsel Office of Financial Regulation Fla. Bar No. 973671 200 E. Gaines Street Tallabassee. FL 32399-0379 (813) 218-5367 Gerald.Perez@flofr.gov CERTIFICATE OF SERVICE l HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint, as well as a two-page election of proceeding fo~ has been sent for service as follows: Galaxy Motors Inc. and Joey Segura 3010 Phillips St., Melbourne, FL, 32901, by United Stat~ Postal Service certified mail on this 13th day of October, 2023. ~~a~ aa~a 002? b21~ ~312 ~? sl Gerald A. Perez Gerald A. Perez, Esq.

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION case No: 113111 Joey Segura and Galaxy Motors Inc. 3010 Phillips St., Melbourne, FL 32901 ELEQ!.9N PF PROCEEDIN§ 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. Pl£AS£ SELECT ONLY ONE OF 1H£ OPllONS: OPTJON #1: D IJIRDAl request a hearing In this matter. I JhLmtt dfspute 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 ~r,.iter" final or~er ~1>11til\t the flndin::s of ~d anll m_!tduslons of ~jM M.!n!nlm~lve Com, lalnt. and lrnpc:a!l}!~l~ s,,el!!!ltkssouHhl In the Adm!n~rat~ Con1plalnl. PJ!!IP.~ fl~: D 1112 Jlill 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 ICHECt< ONLY mil; OF THE FOLLOWING ! OPTIONS): a. D Attend a hearing by video C1>11kranq caO before a Hearing Officer appointed by the Office; OR b. D Attend a hearing In 1,Jlah~~ with a Hearing Officer appointed by the Office; OR c. D Submit a !!lfflU!D ~l!.t with supporting documentation to a Hearing Officer appointed by the Office. OPTIP.Jtll: D 1112 dispute one or more of the Office's factual allegations. I request a formal hearing In person before the Division of Administrative Hearings (DOAH) pursuant to section 120.57{1}, Florida Statutes. In accordance with Rule 28·106.2015(S)(c), FAC. I am ~c!J.inv a c9:1r Qf tj:le,.JnqterwJ fil<;ts!h,nj djsr,J.!1E.;. If you selected Option #2 or #3, above, and wish to engage in st!~le.m_e_nt i:i_e,otiatio~. please check ttie box below: D I am interested in settlement negotiation. I request the Office to NOT refer my case for a hearing at this time. TO PRESEftVE 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 TME 1WENIY-FJRST DAY AFTER RECEIPT OF THE ADMINISTRATIVE COMPLAINT, BY ANY OF THE FOLLOWING METlfODS:

  1. By email: Agency.Clerk@flofr.gov: or
  2. By U.S. Mall: P.O. Box SOSO, Tallahassee, Florida 32314-8050; or
  3. By hand delivery: General Counsel's Office, Fletcher Bldg., 101 E. Gaines Street, Tallahassee, FL 32399. Signature of Respondent or Authorized Representative of Respondent Printed Name & Title Date E-mail Address Date Administrative Complaint was received: Mailing Address City State Telephone Number Election of Proceeding Page 1 of 2 Zip Fa1t Number

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION case No: 113117 Joey Segura and Galaxy Motors Inc. 3010 Phillips St., Melbourne, FL 32901 **YOU ARE TO COMPLETE THE FOLLOWING ONLY IF YOU HAVE CHECKED P~T!9f!1@ 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 Election of Proceeding Page 2 of2 Date

UNII £0 S TIHE POrnH S ICT EXHIBITB November 14, 2023 (TO 2/1/2024 FINAL ORDER) Dear gerald perez; The following is in response to your request for proof of delivery on your item with the tracking number 9489 0090 0027 6214 9312 97. Status: Status Date / Time: Location: Postal Product: Extra Services: Weight: Signature of Recipient: Address of Recipient: Dertvered, Front Desk/Reception/Mail Room October 16, 2023, 1:30 pm MELBOURNE, FL 32901 First-Class Man• Certified Mail™ Return Receipt Electronic 5Ib, 9.7oz Note: Scanned image may reflect a different destination address due to Intended Recipient's delivery instructions on flle. 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

EXHIBIT B (TO ADMINISTRATIVE COMPLAINT) Buyer Contract Date VIN Number 2/12/2024 1 C4RJEAG4EC2 l 2936 2/19/2024 3GCUK.REC4EG345022 2/20/2024 l C4NJDEB 1 GD759344 2/22/2024 5NlAR2MNXEC69309 l 2/27/2024 2C4RC1BG1ER437873 2/27/2024 WMWXU1C59G2D11361 2/29/2024 IG6AE5S31E0145410 3/5/2024 2C4RC I BG3FR582866 3/8/2024 2GIFBIE3XE9291769 4/1/2024 YV1622FS5C2131193 4/19/2024 •••• IJ4FA24 l 28L643878 4/22/2024 JFI GJAA65GG003505 7/22/2024 . ·- .......... ~---·-·. JN8AZ2NF5F9573519 10/26/2024 2LMDJ6JC1ABJ25552 11/2/2024 5:XXGT4L37HG163306 12/10/2024 IG6AH5RXXF0127540 2/13/2024 - · --···- ... 3LN6L5F9 l HR623395 3/28/2024 l FT8W3B67CEC68040 4/16/2024 WAUFF AFL 7CN0 13624 9

EXHIBIT C (TO ADMINISTRATIVE COMPLAINT) Case#: 124804 Subpoena#: CF - ORL - 2024 - 013 SUBPOENA DUCES TECUM To: Galaxy Motors, INC Attention: Records Custodian 3010 Phillips Street Melbourne, FL 32901 At the instance of the State of Florida, Office of Financial Regulation, YOU ARE HEREBY COMMANDED TO PRODUCE FOR INSPECTION AND COPYING alJ documents referenced in Attachment" A" of this subpoena that are in your possession, custody, or control, or in lhe possession, custody, or control of your agents or employees, AND TO PROVIDE TESTIMONY concerning those documents before the Investigator/ Examiner listed below at the date, time, and location listed below. C-- lnvesti ator/ExaminerContact Information: - Testimony Date, Time, and Location: =----= j David Sanchez !Date: 09/27/2024 Time: 9:00 AM I 400 W Robinson St.. Suite S-216, Orlando, FL 32801 Location: Email: David.Sanchez@flofr.gov 400 W Robinson St., Suite S-216, Orlando FL 32801 (0) (407) 245-0606 (F) (850) 410-9663 In lieu of producing these documents for inspection and copying and appearing to testify, you may comply with this subpoena by delivering the documents with an accompanying sworn Certification of Business Records and Document Inventory via email, mail, fax, or personal delivery to the above listed Investigator / Examiner prior to the date set forth above. A sample of an acceptable Certification of Business Records and Document Inventory is enclosed. The original notarized Certification of Business Records must be produced via mail or personal delivery. For all inquiries regarding this subpoena please contact the abovenamed Investigator/ Examiner or the undersigned designee. THIS SUBPOENA IS ISSUED pursuant to the authority of Sections 20.121, S20.994, and 520.996, Florida Statutes. A copy of the statutory authority is enclosed. YOU SHALL RESPOND to this subpoena as directed unless excused by Order of the Office of Financial Regulation or the undersigned designee. In accordance with th~ 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 O(fice of Financial Regulation, The Fletcher Building, Suite 504, 200 East Gaines Street, Tallahassee, Florida 32399-0370, Phone: (850) 410-9889, or by Email: IN TESTIMONY WHEREOF, the Seal of Florida, Office of Financial Regulation is affixed hereto, and the undersigned has hereunto set his/her hand on 09/20/2024 /' '· , }. :· .:t..M .... ~ Isl ,,· - • ' ---·· ....,. --- David Sanchez Uivision of Consumer finance 400 W Robinson St., Suite S-216, Orlando, Fl 32801 (0) (407) 245-0606 Email: David.Sanchez@flofr.gov

Case#: 124804 Subpoena#: CF - ORL • 2024 • 013 AUTHORlTY 520.994 Powers of office. - (1) The office may issue and serve subpoenas to compel the attendance of witnesses and the production of documents, papers, books, records, and other evidence before it in any matter pertaining to this chapter. The office may administer oaths and affirmations to any person whose testimony is required. If any pe.rson refuses to testify, produce books, records, and documents, or otherwise refuses to obey a subpoena issued under this section, the office may present its petition to a court of competent jurisdiction in or for the county in which such person resides or has its principal place of business, whereupon the court shall issue its rule nisi requiring such person to obey forthwith the subpoena issued by the office or show cause for failing to obey such subpoena. Unless the person shows sufficient cause for failing to obey the subpoena, the court shall forthwith direct such person to obey the subpoena, subject to such punishment as the court may direct, including, but not limited to, the restraint, by injunction or by appointment of a receiver, of any transfer, pledge, assignment, or other disposition of such person's assets or any concealment, alteration, destruction, or other disposition of subpoenaed books, records, or documents as the court deems appropriate, until such person has fully complied with such subpoena and the office has completed its investigation or examination. The office is entitled to the summary procedure provided ins. 51.011, and the court shall advance the cause on its calendar. Costs incurred by the office to obtain an order granting, in whole or in part, its petition shall bE taxed against the subpoenaed person, and failure to comply with such order is a contempt of court. Witnesses are entitled to the same fees and mileage as they are entitled to by law for attending as witnesses in the circuit court, unless such examination or investigation is held at the place of business or residence of the witness. (2) In addition to any other powers conferred upon it to enforce or administer this chapter, the office may bring an action in any court of competent jurisdiction to enforce or administer any provision of this chapter, any rule or order adopted pursuant to this chapter, or any written agreement entered into with the office. In such action, the office may seek temporary or permanent injunction, appointment of a receiver or administrator, or an order of restitution. If in any such action the office alleges that five or more persons have bl..->en defrauded by acts constituting violations of this chapter, it shaII state the circumstances constituting such fraud with particularity and may seek any appropriate remedy at law or in equity, provided the remedy does not impair any rights granted by law to any holder in due course as defined in ls. 673.302. (3) In addition to any other powers conferred upon it to enforce or administer this chapter, the office may issue and serve upon a person a cease and desist order whenever the office finds that such person is violating, has violated, or is about to violate any provision of this chapter, any rule or order adopted pursuant to this chapter, or any written agreement entered into with the office. Any such order shall contain a notice of the rights provided by ss, 120.569 and 120.57. (4) In addition to any other powers conferred upon it to enforce or administer this chapter, the office may impose and collect an administrative fine against any person found to have violated any provision of this chapter, any rule or order adopted pursuant to this chapter, or any written agreement entered into with the office, in an amount not to exceed $1,000 for each violation.

Case #: 124804 Subpoena tt: CF AUTHORITY (continued)

  • ORL - 2024 - 013 (5) The office shall administer and enforce this chapter. The commission has authority to adopt rules pursuant toss. 120.536(1) and 120.54 to implement the provisions of this chapter. The commission may adopt rules requiring electronic submission of any form, document, or fee required by this chapter if such rules reasonably accommodate technological or financial hardship. The commission may prescribe by rule requirements and procedures for obtaining an exemption due to a technological or financial hardship. History.-ss. 34, 36, ch. 90-103; s. 4, ch. 91-429; s. 246, ch. 96-410; s. 180, ch. 98-200; s. 16, ch. 99-164; s. 633, ch. 2003-261; s. 47, ch. 2006-213. 1Note.-Repealed bys. 1, ch. 92-82. 520.996 Investigations and complaints.- (l)(a) The office or its agent may, at intermittent periods, make such investigations and examinations of any licensee or other person as it deems necessary to determine compliance with this chapter. For such purposes, it may examine the books, accounts, records, and other documents or matters of any licensee or other person. It shall have the power to compel the production of al] relevant books, records, and other documents and materials relative to an examination or investigation. Such investigations and examinations shall not be made more often than once during any 12-month period unless the office has good and sufficient reason to believe the licensee is not complying with the provisions of this chapter. Such examination fee shall be calculated on an hourly basis and shall be rounded to the nearest hour. (b) The office shall conduct all examinations at a convenient location in this state unless the office determines that it is more effective or cost-efficient to perform an examination at the licensee's out-of￾state location. For an examination performed at the licensee's out-of-state location, the licensee shall pay the travel expense and per diem subsistence at the rate provided by law for up to thirty 8-hour days per year for each examiner who participates in such an examination. However, if the examination involves or reveals possible fraudulent conduct of the licensee, the licensee shall pay the travel expenses and per diem subsistence provided by law, without limitation, for each participating examiner. (2) The examination expenses incurred by the office in each examination shall be paid by the licensee examined. The expenses of the office incurred in each examination of a home improvement finance seller or of an employee representing such home improvement finance seller shall be paid by the home improvement finance seller. Expenses incurred for each examination of a sales finance company shall be paid by it. The examination expenses shall be paid by such licensee examined or such other person obligated to pay such examination expenses within 30 days after demand therefor by the office. (3) Any retail buyer or owner having reason to believe that the provisions of this chapter have been violated may file with the office or the Deparbnent of Financial Services a written complaint setting forth the details of such alleged violations and the office upon receipt of such complaint, may inspect the pertinent books, records, letters, and contracts of the licensee and of the seller involved, relating to such specific written complaint. History,-ss. 34, 36, ch. 90-103; s. 4, ch. 91-429; s. 6, ch. 92-9; s. 18, ch. 99-164; s. 635, ch. 2003-261.

Case#: 124804 Subpoena 11: CF - ORL - 2024 - 013 CERTIFICATION OF BUSINESS RECORDS I, declare that I am emp1oyed by_ By reason of my position with , having taken an oath to testify truthfuliy, certify and in the position of I am authorized and qualified to make this certification and declaration. Based upon my employment with I am familiar with the business records that has created and maintained. currently maintains records that were:

  1. made at or near the time of the occurrence of the matters set forth therein, by, or from information transmitted by, a person with knowledge of those matters; 2, kept in the course of the regularly conducted business activity; and
  2. made as a regular practice in the course of the regularly cc1nducted business activity. Among the business records so maintained are the originals of the records that are described in Appendix A to this Certification. Genuine copies of these records are also attached to Appendix A. Appendix A and the genuine copies aTe attached to this Certification. Under penalties of perjury, I certify and declare that I have read the foregoing Certification of Business Records and the facts stated in it are true. Signature Printed Name STATE OF FLORIDA COUNTY OF Sworn to and subscribed before me by means of __ (check) physical presence or __ (check) online notarization this __ day of 20___. by __ who __ (check) is personally known to me or __ (check) has produced as identification and did certify and declare the above certification and declaration under oath. Notary Stamp: Notary Signature Notary Printed Name

Case#: 124804 Subpoena#: CF • ORI. • 2024 • 013 APPENDIXA DOCUMENT INVENTORY The documents submitted are as follows: Signature of Person Compiling Inventory

Case #: 124804 Subpoena #: CF - ORL - 2024 - 013 SUBPOENA SERVICE RETURN Subpoena# which was issued to: was served on (Person Served) at (Date of Service) by: __ _ (Printed Name of Person Making Service) Signature: (Signature of Person Making Service) STATE OF FLORIDA COUNTY OF (Individual / Entity Subpoenaed) ____ at (Service Address) ____ on (Time of Service) Sworn to and subscribed before me by means of __ (check) physical presence or __ (check) online notarization this __ day of. _ __ 20___...J by wbo __ (check) is personally known to me or __ (check) has produced as identification and did certify and declare the above certification and declaralion under oath. Notary Stamp: Notary Signature Notary Printed Name

ATTACHMENT "A" DOCUMENTS TO BE PRODUCED: For the Period of FebruaJ)' 1, 2024, through September 04, 2024, please provide the following documents: J. For any and all transactions entered into with and /or accounts associated with or titled by Galaxy Motors, Inc. whose FEIN is a) Copies of all contracts, which were written/ acquired during the above stated period; b) Copies of all motor vehicle retail installment contracts, which were written/ acquired during the above stated period; c) Copies of all contracts between any finance company and Galaxy Motors, Inc. or any other entity associated with Galaxy Motors, Inc. regarding each transaction which were entered into during the above stated period; d) Copies of the payment history for all contracts and/or accounts associated with Galaxy Motors, Inc. (open or paid) and other pertinent documentation including but not limited to completion certificate, mortgage, automobile title, assignment(s) of contracts and/or agreements; e) Verification of credit insurance coverage for each transaction; f) Documentation showing the purchase of any extended warranties, services, and/or GAP insurance purchased; g) Verification of official fees charged including but not limited to vehicle registrations, UCC￾1 'sand UCC-3's, mortgages, title searches, etc.; and h) Documentation showing the remittance of any and all payment ofF!orida Documentary Stamps to the Department of Revenue or other agencies and/or Public Officials. 2. Copies of any and all consumer complaints filed directly with Galaxy Motors, Jnc. or through any other Agency during the above stated period. NOTE: Pursuant to Section 520.9965, Florida Statutes, the material compiled by the Office of Financial Regulation during an investigation or examination is confidential until the investigation or examination is completed. It is requested that this subpoena for information regarding the referenced individuals / entities be kept confidential. Should you anticipate the incurred costs of reproduction of the- requested documents to exceed $200.00, please contact Area Financial Manager, David Sanchez at Da,•id.Sanchez@flofr.gov, 400 W. Robinson St. Suite S-216, Orlando FL 32801, (407) 245-0606 (Direct), (850) 410-9663 (Fax) prior to incurring those costs.

.=!ff UNITEDST/J.TES l!a POST/J.LSERVICE March 25, 2026 Dear joaquin alvarez: EXHIBIT II (TO INSTANT ORDER) The following is in response to your request for proof of delivery on your item with the tracking number: 9489 0090 0027 6620 8139 65. Item Details Status: Status Date / Time: Location: Postal Product: Extra Services: Shipment Details Weight: Recipient Signature Signature of Recipient: Address of Recipient: Delivered, Left with Individual March 10, 2026, 11 :54 am MELBOURNE, FL 32901 First-Class Mail® Certified Mail™ Return Receipt Electronic 15Ib, 6.9oz 3010 PHILLIPS ST, MELBOURNE, FL 32901 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 TM or a Postal representative at 1-800-222-1811. Sincerely, United States Postal Service® 4 75 L'Enfant Plaza SW Washington, D.C. 20260-0004

Topics
licensing
credit
Share