Final Order Revoking License of RJ International Trading, Inc.

Index: OFR 2026 - 415
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
RJ INTERNATIONAL TRADING, INC., and
RAMRAJ SEWNARINE,
Respondents.
FINAL ORDER
/19/2026 l - LEGAL
Case Number: 138665
The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 560, Florida Statutes, hereby enters this Final Order with Notice of Rights ("Final Order") as authorized by the provisions of chapters 120 and 560, Florida Statutes, against RJ INTERNATIONAL TRADING, INC., and RAMRAJ SEWNARINE ("Respondents"). FINDINGS OF FACT

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

2. At all times material, RJ International Trading, Inc., is and has been licensed in
   Florida as a Part III Money Services Business, having been issued license number FT30900335, pursuant to chapter 560, Florida Statutes.

3. On February 26, 2026, the Office entered a Final Order against Respondents in case
   number 120273 which imposed an administrative fine of$31,375.00 and required payment within 30 days of the Final Order (i.e., March 30, 2026). To date, Respondents have not paid this administrative fine.

4. On July 7, 2026, the Office issued an Administrative Complaint ("Complaint")
   (Exhibit A) seeking license revocation.

5. The Complaint contained a Notice of Right, which fully advised Respondents that
   they had twenty-one (21) days after the receipt of the Complaint within which to petition the Office for an administrative hearing to contest the allegation set forth in the Complaint, in accordance with sections 120.569 and 120.57, Florida Statutes, including the following information:
   TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN
   RESPONSE MUST BE FILED WITH THE OFFICE OF
   FINANCIAL REGULATION WITHIN TWENTY-ONE (21)
   DAYS AFTER THE RECEIPT OF THE ADMINISTRATIVE
   COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY
   THE OFFICE NO LATER THAN 5:00 P.M. ON THE
   TWENTY-FIRST DAY AFTER THE RECEIPT OF THE
   ADMINISTRATIVE COMPLAINT. A FAILURE TO
   TIMELY RESPOND IN WRITING WILL CONSTITUTE A
   WAIVER OF THE LICENSEE'S RIGHT TO REQUEST A
   HEARING AND A FINAL ORDER MAY BE ENTERED
   WITHOUT FURTHER NOTICE.

6. Respondents were served the Complaint via U.S. Mail on July 10, 2026, (Exhibit
   B). As such, a response was due no later than July 31, 2026. To date, the Office has neither received a written response to the Complaint nor has 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 560.105 and 560.109, Florida Statutes, the Office is charged
   with administering and enforcing the provisions of chapter 560, Florida Statutes, and conducting examinations and investigations to determine whether any provision of chapter 560, Florida Statutes, has been violated. Thereby, the Office has jurisdiction over the subject matter of this case and of the parties hereto.

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.
10. Section 120.569(2)( c ), Florida Statutes, provides that a petition for hearing shall be
dismissed if it has been untimely filed (not within 21 days).
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. When Respondents failed to submit a response to the Office on or before July 31,
2026, Respondents did not timely file a petition or any other document in response to the Complaint. Respondents also presented no claim, or evidence of equitable tolling. Therefore, it is appropriate for the Office to conclude there was no equitable tolling, and Respondents waived their right to an administrative proceeding.
15. Based on the Findings of Fact adopted herein, the Office concludes that
Respondents violated the specific statutes and rules charged in the Complaint and, as such, the specific charges in the Complaint are adopted in this Final Order as Conclusions of Law.
16. The Findings of Fact and Conclusion of Law that form the basis for the Complaint,
together with the waiver of a hearing by Respondents, constitute grounds for the Office to revoke Respondent, RJ International Trading, Inc., Part III Money Service Business license number FT30900335.

Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED:
A. RJ INTERNATIONAL TRADING, INC., Part III Money Service Business license FT30900335 is hereby REVOKED effective the date of this Final Order. DONE and ORDERED this j 9~ day of August, 2026, in Tallahassee, Leon County, Florida. Rus Conumss1oner

NOTICE OF RIGHTS
A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO JUDICIAL REVIEW PURSUANT TO SECTION 120.68, FLORIDA STATUTES. REVIEW PROCEEDINGS ARE GOVERNED BY THE FLORIDA RULES OF APPELLATE PROCEDURE. SUCH PROCEEDINGS ARE COMMENCED BY FILING THE ORIGINAL NOTICE OF APPEAL WITH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AS FOLLOWS:
By Mail, Facsimile or Email
Agency Clerk
Office of Financial Regulation
Office of General Counsel
P.O. Box 8050
Tallahassee, FL 32314-8050
Phone: (850) 410-9889
Fax: (850) 410-9663
Email: Agency.Clerk@flofr.gov
OR By Hand Delivery
Agency Clerk
Office of Financial Regulation
Office of General Counsel
The Fletcher Building
101 East Gaines Street
Tallahassee, FL 32399
Phone: (850) 410-9889
A COPY OF THE NOTICE OF APPEAL, ACCOMPANIED BY THE FILING FEES AS REQUIRED BY LAW, MUST ALSO BE FILED WITH THE DISTRICT COURT OF APPEAL, FIRST DISTRICT, 2000 DRAYTON DRIVE, TALLAHASSEE, FLORIDA 32399-0950, OR WITH THE DISTRICT COURT OF APPEAL IN THE APPELLATE DISTRICT WHERE THE PARTY RESIDES. THE NOTICE OF APPEAL MUST BE FILED WITH BOTH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AND THE DISTRICT COURT OF APPEAL WITHIN 30 DAYS OF THE RENDITION OF THE ORDER TO BE REVIEWED.

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order was furnished to RJ International Trading, Inc., and Ramraj Sewnarine by U.S. Mail to 17000 South Dixie Highway, Miami, Florida 33157 and by electronic rjsintemationalmiami@gmail.com on this /'1,~ ay of August, 2026. egulation , F ~ 32314-8050 Email: A cy.Clerk@flofr.gov Tel: (850) 410-9889 mail to

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
RJ INTERNATIONAL TRADING, INC., and
RAMRAJ SEWNARINE,
Respondents.
ADMINISTRATIVE COMPLAINT
Exhibit A
Case Number: 138665
The State of Florida, Office of Financial Regulation ("Office"), files this Administrative Complaint against RJ INTERNATIONAL TRADING, INC., and RAMRAJ SEWNARINE (together "Respondents"), alleging:
GENERAL ALLEGATIONS

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

2. Pursuant to section 560.l 14(1)(a), Florida Statutes, failure to comply with any
   provision of chapter 560, Florida Statutes, or related rule, constitutes grounds for disciplinary action.

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

4. Pursuant to section 560.103(23), Florida Statutes, the term 11money services
   business 11 includes any person located in or doing business in Florida or from Florida or into Florida from locations outside of Florida who acts as, among other things, a money transmitter, check casher, foreign currency exchanger, or payment instrument seller.

5. At all times materia], RJ Intemationa] Trading, Inc., ("RJ Internationa] Trading")
   is and has been licensed as a Part III Money Services Business pursuant to chapter 560, FJorida Statutes, operating as a money transmitter, holding license number FT30900335.

6. At all times material, Ramraj Sewnarine ("Sewnarine") is and has been the
   President and Sole Owner ofRJ International Trading, and by operation oflaw, pursuant to section 560.103(1), Florida Statutes, Sewnarine is an affiliated party who is liable for all vio]ations ofRJ International Trading.

7. On February 26, 2026, the Office entered a Final Order ("Order") against RJ
   International Trading, Inc., and Ramraj Sewnarine, in Case No.120273 for violations of chapter 560, FJorida Statutes. Pursuant to the Order, Respondents were required to pay an administrative fine of$31,375.00 within 30 days of the entry of the Order, i.e. by March 30, 2026.

8. To date, Respondents have not paid the $31,375.00 fine.

9. Respondents have failed to pay the fine assessed by the Office within 30 days after
   the due date as stated in the Order, in violation of section 560.l 14(1)(u), Florida Statutes.

10. Pursuant to the Disciplinary Guidelines for Money Services Businesses Form OFR￾560-09, Incorporated by Reference in Ru]e 69V-560.1000, Florida Administrative Code (2024),
    violation number 23, a licensee cited for violating section 560.114(1)(u), Florida Statutes, is subject to license revocation.

11. Therefore, the Office is seeking revocation of the money services business license
    number FT30900335.
    WHEREFORE, Respondents, RJ INTERNATIONAL TRADING, INC., and RAMRAJ SEWNARINE are hereby notified that the Office intends to enter an order revoking the money services business license number FT30900335.

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 28-106.20 J 5 and 28-106.104, Florida Administrative Code. An Election of Proceeding form is attached for your convenience. Any such request must be filed as follows:
By Mail. Facsimile or Email
Agency Clerk
Office of Financial Regulation
Office of General Counsel
P.O. Box 8050
Tallahassee, FL 32314-8050
Phone: (850) 410-9889
Fax: (850) 410-9663
Email: Agency.Clerk@flofr.gov
OR BY Hand Deliven￾Agency Clerk
Office of Financial Regulation
Office of General Counsel
The Fletcher Building
101 East Gaines Street, Suite 504
Tallahassee, FL 32399
Phone: (850) 410-9889
TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITHIN TWENTY￾ONE (21) DAYS AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY THE OFFICE NO LATER THAN S:00 P.M. ON THE TWENTY-FIRST DAY AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE. You may not make an oral request for an administrative hearing. With regard to a written request, if you fail to follow the outlined procedure, your request may be dismissed. Any request for an administrative proceeding received prior to the date of this notice is deemed abandoned and to be considered must be timely renewed in compliance with the procedure set forth above. Mediation of this matter pursuant to section 120.573, Florida Statutes, is not available.

NOTICE TO RESPONDENTS
In accordance with the Americans with Disabilities Act, persons with disabilities needing special accommodation to participate in this proceeding should contact the Agency Clerk no later than seven (7) days prior to the filing deadline or proceeding, at the Office of Financial Regulation, The Fletcher Building, 200 East Gaines Street, Suite 504 Tallahassee, Florida 32399, Phone: (850) 410-9889, or by Email: Agency.Clerk@flofr.gov. By: CawtS,¾- Carrie S. Franz~ Chief Counsel Office of Financial Regulation Office of General Counsel Fla. Bar No. 0659274 200 E Gaines Street Tallahassee, FL 32399-0370 Tel: 850-410-9834 Email: Carrie.Franz@flofr.gov CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been furnished via U.S. Certified Mail to RJ International Trading, Inc., and Ramraj Sewnarine at 17000 South Dixie Highway, Miami, Florida 33157 on this 7ih day of July, 2026. 9489 0090 0027 662 □ 8125 62 -- Carrie S. Franz Chief Counsel

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
Case No: 138665
RJ International Trading, Inc., and Ramraj Sewnarine 17000 South Dixie Highway Miami, Florida 33157 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 conclusions of law In the Administrative Complaint, and imposing the penalties sought in the Administrative Complaint. OPTION #2: D I do !!21 dispute any of the Office's factual allegations but dispute the Office's conclusions of law to those factual allegations, and request disposition of this matter by informal hearing pursuant to section 120.57(2), Florida Statutes. I request to (CHECK ONLY ONE OF THE FOLLOWING 2 OPTIONS):
a. D Attend a hearing by video teleconference before a Hearing Officer appointed by the Office; OR b. D Submit a written statement with supporting documentation to a Hearing Officer appointed by the Office. OPTION #3: D I do dispute one or more of the Office's factual allegations. I request a formal hearing before the Division of Administrative Hearings (DOAH) pursuant to section 120.57(1), Florida Statutes. In accordance with Rule 28-106.2015(5)(c), FAC, I am attaching a copy of the material facts that I dispute. TO PRESERVE YOUR RIGHT TO A HEARING, A RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION AGENCY CLERK NO LATER THAN 5:00 P.M. ON OR BEFORE THE TWENTY-FIRST DAY AFTER RECEIPT OF THE ADMINISTRATIVE COMPLAINT, BY ANY OF THE FOLLOWING METHODS:

1. By email: Agency.Clerk@flofr.gov: or
2. By U.S. Mail: P.O. Box 8050, Tallahassee, Florida 32314-8050; or
3. By hand delivery: Office of General Counsel, 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)

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
Case No: 138665
RJ International Trading, Inc., and Ramraj Sewnarine 17000 South Dixie Highway Miami, Florida 33157

• •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) Date

~ UNITED STIJ.TES l!iiiiif POSTIJ.L SERVICE ®
July 16, 2026
Dear Amber Hopkins:
Exhibit B
The following is in response to your request for proof of delivery on your item with the tracking number:
9489 0090 0027 6620 8125 62. tern Details
Status:
Status Date I Time:
Location:
Postal Product:
Extra Services:
Delivered, Left with Individual
July 10, 2026, 12:26 pm
MIAMI, FL 33157
First-Class Mail®
Certified Mail™
::- .::--, - .. hi ment Details
I, • I • • I eci ient Si nature
Signature of Recipient:

• • 17000 S DIXIE
  ~ HWY, PALMETTO Address of Rec1p1ent: oAv. n331s1 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® 475 L'Enfant Plaza SW Washington, D.C. 20260-0004