Final Order — Motor Vehicle Retail Installment

Index: OFR 2026 - 256
CKETEO '
4/2026
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION GAi.
In Re:
PREMIER MOTORCAR GALLERY INC, and
THOMAS BIANCO,
Case Number: 124469
Respondents.
FINAL ORDER
This cause came on for consideration and final agency action. Upon review of the record and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds:

1. The Office has jurisdiction over the subject matter of this case and the parties
   hereto.
2. The entry of this Final Order concludes the above-referenced matter.
   ORDERED:
   A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law. B. The parties shall comply with all terms of the Stipulation and Consent Agreement. DONE and ORDERED this L day of May, 2026, in Tallahassee, Leon County, Florida. Commissioner

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to Premier Motorcar Gallery Inc and Thomas Bianco by electronic mail to their Attorney of Record, Chad Dunn, Esq., Partner, Pennington Law at cdunn@penningtonlaw.com on this l S::~ ay of May, 2026. 2 11 ncial Regulation IC OX 8050 Tallaliassee, FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

ST ATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
PREMIER MOTORCAR GALLERY INC and
THOMAS BIANCO,
Respondents.
EXHIBIT A
Case Number: 124469
STIPULATION AND CONSENT AGREEMENT
The State of Florida, Office of Financial Regulation ("Office"), and PREMIER MOTORCAR GALLERY INC and THOMAS BIANCO (together "Respondents"') in consideration of the mutual promises herein, recite, stipulate, and agree as follows:
J. Background. Premier Motorcar Gallery Inc ('·Premier Motorcar") is currently a licensed motor vehicle retail installment seller under chapter 520, Florida Statutes, having been issued license number MV0900669. Thomas Bianco ("Bianco") is the President and sole owner of Premier Motorcar. The Office conducted an examination (No. 122172) to ascertain Respondents' compliance with chapter 520, Florida Statutes. Based on the examination, the Office issued an Administrative Complaint on February 24, 2025. Respondents submitted a timely response to the Administrative Complaint. The parties are resolving the issues herein with this Stipulation and Consent Agreement in lieu of the Office conducting further proceedings on this matter.
2. Jurisdiction. The Office is the state agency charged with the administration and
enforcement of chapter 520, Florida Statutes. and the corresponding rules. The Office has jurisdiction to bring this administrative action against Respondents pursuant to chapter 520, Florida Statutes.
3. Findings. For the purposes of this Stipu1ation and Consent Agreement,

Respondents neither admit nor deny, but consent to the Office's finding that Respondents:
a. Failed to provide the Office with documentation to show that the tag, title, and registration fees collected from consumers were remitted to the Department of Revenue, in violation of Rule 69V-50.001(2)(a), Florida Administrative Code. and thereby section 520.995(1 )(a), Florida Statutes; and, b. Failed to notify the Office of the addition of an officer, in violation of section 520.999(2), Florida Statutes.
4. Terms and Conditions. The parties agree that the issues raised can be
expeditiously resolved without further litigation by the execution of this Stipulation and Consent Agreement. The parties acknowledge that they have read this Stipulation and Consent Agreement and fully understand the rights, obligations, terms, duties, and responsibilities with respect to its contents. Therefore. in compromise and settlement of the foregoing findings and in consideration of the Office's forbearance from further litigation, Respondents agree to the following terms and conditions:
a. FUTURE COMPLIANCE. Respondents agree that they will comply with all the provisions of chapter 520, Florida Statutes, and the corresponding rules. b. ADMINISTRATIVE FINE. Respondents agree to pay the Office an administrative fine in the amount of One Thousand Dollars ($1,000.00), to be paid at the time of the execution and delivery of this Stipulation and Consent Agreement. This administrative fine shall be submitted in the form of a wire, cashier's check, or money order made payable to "Office of Financial Regulation" and shall be sent to the attention of Agency Clerk - c/o Attorney Maria A. Guitian, Post Office Box 8050, Tallahassee, Florida 32314-8050. Respondents acknowledge and agree that in accordance with section 215.31. Florida 2

Statutes, regarding the deposit of monies, (i) the tendered fine or settlement check may be deposited in advance of full execution or acceptance of the Stipulation and Consent Agreement:
and (ii) such deposit shall not be construed as a final acceptance of the Stipulation and Consent Agreement absent fu11 execution thereof and entry of a Final Order adopting same.
5. Final Order. Respondents consent to the entry of a Final Order, which incorporates
the terms of this Stipulation and Consent Agreement. Respondents understand and agree that this Stipulation and Consent Agreement is subject to the final approval of the Office of Financial Regulation and the entry of the Final Order adopting such Agreement. In the event that the Final Order is not entered. this Stipulation and Consent Agreement shall be null and void. The Final Order incorporating this Stipulation and Consent Agreement constitutes final action by the Office for which the Office may seek enforcement pursuant to the provisions of chapte.rs 120 and 520, Florida Statutes.
6. Waiver. By Respondents' consent to the entry of a Final Order with respect to this
proceeding, Respondents waive:
a. Any right to separately stated Findings of Fact and Conclusions of Law; b. Any right to receipt of a Notice of Rights pursuant to chapter 120, Florida Statutes;
c. Any right to an administrative hearing or issuance of a Recommended Order
pursuant to chapter 120, Florida Statutes; and d. Any right to contest in any administrative forum or judicial proceeding (including, but not limited to, an appeal pursuant to section 120.68, Florida Statutes) the validity of any tenn. condition, obligation, or duty expressly created in this Stipulation and Consent Agreement and the Final Order.
7. Releases. Upon full execution of this Stipulation and Consent Agreement,
3

Respondents waive. re]ease, and forever discharge the Office and its agents, representatives, and employees from any and a11 causes of action, in law or in equity, which Respondents may have arising out of this matter. The Office accepts this release and waiver by Respondents on beha]f of itself, its agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist.
8. Failure to Comply. Respondents acknowledge, concur, and stipulate that
Respondents' faiJure to comply with any of the terms, obligations, and conditions of this Stipulation and Consent Agreement, and the Final Order adopting it, is a violation of the written agreement and the Final Order entered pursuant to chapters 120 and 520, Florida Statutes. Such non-compliance may result in the issuance of an emergency cease and desist order. However, nothing herein shall be construed to limit Respondents' right to contest any finding or determination of non-compliance.
9. Attorney's Fees. Each party herein sha]l be solely responsible for its separate costs
and attorney's fees incurred in the prosecution, defense, or negotiations in this maner up to and including the entry of the Final Order adopting this Stipulation and Consent Agreement. I 0. Severabilily. The parties agree that if any provision of this Stipulation and Consent Agreement or the application thereof to any person or circumstance is held invalid, the Stipulation and Consent Agreement will be given effect without the invalid provision, and to this end, the provisions of this Stipulation and Consent Agreement are declared severable.
11. Counterparts. This Stipulation and Consent Agreement may be executed in any
number of counterparts, and by the parties in separate counterparts, each of which will be deemed to be an original but all of which together will constitute but one Stipulation and Consent Agreement. Copies of this Stipulation and Consent Agreement transmitted by facsimile or 4

electronic mail shall have the same validity as if bearing an original signature.
12. Entire Agreement. This Stipu1ation and Consent Agreement represents the entire
agreement by and between Respondents and the Office. Any alterations, variations, changes, modifications. or waivers of the provisions hereof shall be valid only when they have been reduced to writing, duly signed by the Office and Respondents hereto, attached to the original of this Stipulation and Consent Agreement, and subject to the approval of the Office. WHEREFORE, in consideration of the foregoing, the Office and Respondents execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below. ignature) Name: Thomas Bianco State of - IO, 1 iii{ GALLERY INC:
County of ----'(~~.___ ___ _
Date:
Title: President and Sole Owner of Premier
Motorcar Gallery Jnc
Thomas Bianco. as President and Sole Owner of Premier Motorcar Gallery Inc, BEFORE ME by means of [ physical presence or [ ] online notarization, has sworn (or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the sam . ,ffl. (1/Jf SWORN TO AND SUBSCRIBED before me thisll_ day of~·farcir,'2026. Check the appropriate hox:
Personally known W
OR Prnduccd Identification D
Type of identification produced O Driver's I .iccnsc D Passport Ij I7£~lr(j}•·v __ Notary Public /f--;_~\ HANNAH BROWN _~.•· /J. .,.r MY COMMISSION I HH 6,48093 "<~ -' EXPIRES: March 5, 2029 •••••••• D Other _______ _ (Do nnt include 1D numhcr) 5

THOM , AN
_.-, ·-
__ ,, -----~-
(. ignature)
Name: Thomas Bianco
State of _j }1,10.i,lJ,1
County of . . 11QiJ
Date:
Thomas Bianco. BEFORE ME by means of IV) physical presence or ( ) online notarization. has S\vom (or affinned) that he has read and understands the foregoing agreement and voluntarily signed the same. \ tif V \ SWORN TO AND SUBSCRIBED before me this It-day of Mftrelt, 2026. Check the appropriate hux:
Pcr'1-unally known ~},...... - OR Prrn.lucc<l hkntifo.:atiun 0 Type of identification prrn.luccJ D Driver's Lkcn,e 0 Passport 0 (>thcr HANNAH BROWN MY COMMISSION t HH 648083 EXPIRES: Maleh 5, 2029 (Du not include IJJ numhcr) OFFICE OF FINANCIAL REGULATION _,jrWf":l C. (()M,v Gregory ('. Oaks, Director Division of Consumer Finance Date: 5/11/2026 6