Immediate Final Order Against Coza Finance Group — OFR — US-FL

Index: OFR 2026 - 408
ST A TE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
COZA FINANCE GROUP and www .cozafin.com,
Respondents.
IMMEDIATE FINAL ORDER
Case No.: 140522
The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 655, Florida Statutes, governing financial institutions in the state of Florida, pursuant to sections 20.121(3)(a)2, 655.001, and 655.012(1), Florida Statutes, hereby finds that the unlawful activity of Coza Finance Group, and www.cozafin.com ("Respondents") constitutes an immediate danger to the public health, safety, or welfare. Therefore, the Office hereby issues and serves this Immediate Final Order pursuant to sections 120.569(2)(n), and 655.922(5), Florida Statutes. Respondents and all persons acting in concert or cooperation with Respondents shall immediately CEASE AND DESIST all continuing violations of chapter 655, Florida Statutes, and take corrective action as detailed herein. This Order is based on the findings of fact and conclusions of law set forth below which are made on behalf of the Office by Russell C. Weigel, III, Commissioner of the Office of Financial Regulation, as agency head within the meaning of sections 20.121(3)(a)2, and 120.569(2)(n), Florida Statutes. FINDINGS OF FACT

The Office is the state of Florida's agency responsible for the administration and
enforcement of chapter 655, Florida Statutes.
The Office obtained information prompting an investigation into whether
Respondents were offering or providing unauthorized banking or credit union services, contrary

to provisions of chapter 655, Florida Statutes.
3. The findings of fact made herein are based, in part, upon the verified declaration of
Financial Investigator, Reina Rivero, Emergent Financial Crimes Unit, Bureau of Financial Investigations, Office of Financial Regulation, which includes exhibits 1 through 15. Reina Rivera's declaration, along with its exhibits, are attached hereto as Attachment "A." Respondents' Status
4. Respondent Coza Finance Group is not registered to lawfully operate as a business
entity in Florida. The website https:/ www .cozafin.com , is managed by Respondent Coza Finance Group.
5. Respondents' website contains several references to a registered financial
institution in Florida. These include references to the registered financial institution's mobile app, and to their website address. Therefore, Respondents have certain minimum contacts with Florida for jurisdictional purposes.
6. Respondents have never been a chartered or licensed financial institution according
to the Federal Financial Institutions Examination Council's National Information Center which is a repository of financial data and institution characteristics collected by the Federal Reserve System on financial institutions worldwide.
7. Respondents have never been chartered or licensed by the Office to do business in
the state of Florida as a financial institution, as defined in section 655.005(1 )(i), Florida Statutes.
8. Respondents have never been members of the Federal Deposit Insurance
Corporation ("FDIC"), and any funds deposited with Respondents are not insured by the FDIC. 2

Respondent's Website
9. Respondents published and operate a website with a Uniform Resource Locator
(URL) of https://www.cozajin.com that:
a) offers banking services to individuals located within the state of Florida; b) offers members of the public, including individuals in Florida, to communicate with Respondent by clicking the 'Contact Us' tab; c) solicits members of the public, including individuals in Florida, to establish on line personal checking accounts with Respondents; and d) offers various business account services, including business checking accounts, business savings accounts, loans, and mobile banking.
10. Respondents' website advertises, represents, and holds itself out to the general
public, including Florida citizens, as a financial institution.
11. Respondents' website reasonably implies that the business being solicited,
conducted, or advertised is the kind or character of business transacted or conducted by a financial institution.
12. The current domain registrar of https://www.cozajin.com is Hostinger International
Ltd. The website was registered on November 9, 2023.
Ornz.oine Immediate Danger
13. Entities and individuals that falsely hold themselves out to the public as authorized
and qualified to operate as a financial institution pose an immediate danger to the public health, safety, or welfare, and particularly to those depositors or creditors who rely upon those false representations.
14. As of August 3, 2026, the URL https:l/www.cozajin.com is currently accessible and
3

active with an 1Pv4 address of 66.33.60.193 and is hosted by Hostinger International Ltd.
15. The status of Respondents' website as active constitutes an ongoing and immediate
danger to public health, safety, or welfare.
16. Respondents are currently using the services of Hostinger International Ltd. to
facilitate fraudulent activity and violations of Florida Statutes.
17. Respondents' actions, including publication of the website, are unlawful and the
current circumstances constitute an ongoing and immediate danger to the public health, safety, or welfare.
18. Respondents' actions are likely to continue in the future, and an immediate final
order is necessary and fair under the circumstances to stop the ongoing violation. CONCLUSIONS OF LAW
19. The Office is responsible for the administration and enforcement of chapter 655,
Florida Statutes, pursuant to section 655.012, Florida Statutes.
20. The undersigned, Russell C. Weigel, III, as Commissioner of the Office, and as its
agency head within the meaning of sections 20.121(3)(a)2, and 120.569(2)(n), Florida Statutes, is authorized to make the findings of fact and conclusions of law set forth herein.
21. The Office has jurisdiction over the matter because Respondents have been found
to have engaged in unauthorized banking activity in the state of Florida, contrary to sections of
chapter 655, Florida Statutes.
22. Chapter 655, Florida Statutes, is designed to protect the public welfare by requiring
that each entity engaged in offering banking services to the public or holding itself out to the public as being a financial institution is authorized to do business in this state. None of these protections of the public health, safety, or welfare are provided when an individual or an entity engages in the 4

business of a financial institution in this state without in fact being authorized to do business as a financial institution pursuant to state or federal law. Unauthorized Banking Activity
23. Section 655.922(1 ), Florida Statutes, provides that only a financial institution
authorized to do business in this state may engage in the business of soliciting or receiving funds for deposit, paying checks, or establishing or maintaining a place of business in this state for any of the functions, transactions, or purposes identified in the subsection.
24. Section 655 .922(1 ), Florida Statutes, is designed to protect the public health, safety,
or welfare by prohibiting unauthorized persons or entities from engaging in banking activities. A violation of this statute constitutes, in addition to a regulatory violation, a felony of the third degree punishable by up to a five-year prison sentence.
25. By soliciting or receiving funds from the public through its internet website and
offering to establish business and personal bank accounts, and to perform other related banking services while not being authorized to do such business in this state, Respondents are in violation of section 655.922(1 ), Florida Statutes. Unauthorized Claims
26. Section 655.922(2)(c), Florida Statutes, provides that only a financial institution
authorized to do business in Florida may "circulate or use any . . . electronic media, internet website, posting, or writing of any kind or otherwise advertise or represent in any manner which indicates or reasonably implies that the business being solicited, conducted, or advertised is the kind or character of business transacted or conducted by a financial institution or which is likely to lead any person to believe that such business is that of a financial institution .... "
27. By using electronic media or a website that indicates or reasonably implies that the
5

business being solicited, conducted, or advertised is that of a financial institution or which is likely to lead a person to believe that the business is a financial institution, Respondents are in violation of section 655.922(2)(c), Florida Statutes. Summar Administrative Action
28. Section 655.922(5), Florida Statutes, provides that the Office may issue an
emergency cease and desist order without first issuing an administrative complaint against any person who violates any provision of section 655.922, Florida Statutes.
29. Section 120.569(2)(n), Florida Statutes, provides that an immediate final order may
be issued when an agency head finds the existence of an immediate danger to the public health, safety, or welfare and when that danger requires an immediate final order.
30. The statutory violations committed by Respondents and the existence of and
content included in their website https://www.cozafin.com, as outlined above, constitute an ongoing, continuing, and immediate danger to the public health, safety, or welfare.
31. The unlawful activity committed by Respondents and the status of their website, as
outlined above, constitute an ongoing, continuing, and immediate danger to the public health, safety, or welfare.
32. It is necessary for the Office to immediately prevent Respondents from the ability
to continue to violate Florida law and continuing to pose an immediate danger to the public health, safety or welfare, to wit:
a. it is necessary to have Respondents immediately cease and desist from holding themselves out to the general public, including Florida citizens, as a financial institution; and b. it is necessary to have Respondents immediately cease and desist from soliciting 6

financial transactions or deposits from the general public, including Florida citizens, through the use of their website or other methods.
33. After careful consideration of the facts of this case and due process procedural
safeguards the need for summary administrative action in the form of this Immediate Final Order is concluded to be fair, just, and necessary under the totality of circumstances herein.
34. In entering this Immediate Final Order, the Office considered but ultimately
decided against using other remedies. Issuing an administrative complaint or a cease and desist order would be insufficient to adequately address Respondents' ongoing violations of the law. Neither of these options would be effective upon service, and an indeterminate amount of time would pass before a final order could be issued against Respondents. Moreover, the potential for harm to Florida's consumers posed by Respondents' ongoing conduct is severe and cannot be abated until a final order is issued. By contrast, any potential harm from issuing an immediate final order in this instance is likely to be de minimis.
35. The Office of Financial Regulation is entering this Immediate Final Order to
prevent Respondents from posing a continuing and immediate danger to the public health, safety, or welfare. Accordingly, IT IS HEREBY ORDERED:
A. Respondents and all persons acting in concert or cooperation with Respondents shall immediately CEASE and DESIST from:
i. representing or holding themselves out as a financial institution;
ii. advertising, soliciting or performing, directly or indirectly, any and all banking
activity, including but not limited to the solicitation or receipt of funds for deposit, opening business or personal bank accounts, issuing certificates of deposit, and 7

paying any check in this state; m. operating, registering, storing, passively maintaining, or actively maintaining the website found at https://www.cozafin.com and any files or electronic data associated therewith; or 1v. operating, registering, storing, passively maintaining, or actively maintaining the domain name https://www.cozafin.com and any files or electronic data associated therewith. DONE and ORDERED this ~ day of August, 2026, in Tallahassee, Leon County, Florida. Commissioner 8

NOTICE OF RIGHTS
NOTICE IS HEREBY given that the foregoing Immediate Final Order is entered pursuant to section 120.569(2)(n), Florida Statutes, which provides that the Order is appealable or enjoinable from the date rendered. Section 120.68, Florida Statutes, further provides that any party to these proceedings who is adversely affected by this final agency action is entitled to judicial
Section 120.68, Florida Statutes, and Rule 9.110, Florida Rules of Appellate Procedure,
provide that judicial review must be instituted by filing a petition or notice of appeal with the Agency Clerk, Office of Financial Regulation, Office of General Counsel, Suite 504, Fletcher Building, 200 E. Gaines Street, Tallahassee, Florida 32399-0379, and a copy accompanied by filing fees prescribed by section 35.22, Florida Statutes, 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. Filings may also be made through the Florida Courts E-Filing Portal at https://www.myflcourtaccess.com. All review proceedings must be instituted within thirty (30) days after the rendition of this Order. Respondents may also apply to the District Court of Appeal for a supersedeas, or to the Office of Financial Regulation for a stay of this Order, pursuant to section 120.68(3), Florida Statutes. 9

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing has been furnished by United States certified mail or electronic mail as set forth below to the following on this 1 CjffA. day of August, 2026:
Coza Finance Group
1512 Recto Ave, Santa Cruz, Manila,
1008 Metro Manila, Philippines support@cozafin.com Huffie Grad utunbas@gmail.com Hostinger International Ltd. compliance@hostinger.com 61 Lordou Vyrones, Larnaca, 6023 Cyprus RE 046 137 742 US RE 046 137 773 US n 14-8050 mat : gene . flofr.gov Tel: (850) 410-9889 10

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EXHIBIT-10

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BankFind Suite: Find Insured Banks find lim,red Batiks allows you tn find fOIC•ln'loured banks ard bt"anchM from toch1y, to last year, and all tM way t>.ck to 193-4. NI seart:h fitlds ~re opbonal so be.» gentral Of as specific as you need to be. Provide Wtwh Q£5YOO)lt I QUf'.SDOD al>out this pagp. Search For Institutions O I.latching Results 0-.•at1111,'10H - j Coza nnancti Groop k'trvelnstJtutklM·O~trs tJ No Results SelKr Slate.'TemtOl'Y Gty ZipCodif

EXHIBIT-11

who.is ll>
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WHOIS RDAP DNS Uptime Domain Events Website Monitoring WHOIS Domain Lookup Look up registration details, contacts, and nameservers for any domain name Enter a domain name ... - cozafin.com WHOIS Information IP Address: 66.33.60.67

RDAP DNS Records Uptime Diagnostics History
Hide Contact Info Refresh Data
PublicRecordsSearcher.com
Free Public Records Search OPEN ►
The domain cozafin.com is registered. You can still try to buy it here. Contact Information Abuse Contact Phone +37064503378 Registrar Information Registrar HOSTINGER operations, UAB Referral URL http://www.hostinger.com Important Dates Created November 9, 2023 Expires November 9, 2026 WHOIS data last telched JJI 202e Name servers Hostname ns1.vercel-dns.com ns2.vercel-dns.com Email abuse-tracker [at] hostinger [dot) com WHOIS Server whois.verisign-grs.com Updated November 9, 2025 IP Address 198.51.44.13 198 51.45.13

I C A N N I L O O K U P (/en}
Registration data lookup tool
Enter a domain '2?..!!:!.~. or an Internet number resource (l!:
Network or~§~)
[ cozafin.com
English
Freguently Asked Questions (.EAQ)
(/en/faq)
By submitting any personal data, I acknowledge and agree that the personal data submitted by me will be processed in accordance with the ICANN Privacy Policy .<bllr:is://www,icann.org[r:irivacyLr:iolicyJ, and agree to abide by the website Terms of Service ,(b1tps://www.icann.org[r:irivacy/tos) and the registration data lookur:i tool Terms of Use (unsafe:iavascrir:it:void(Q)) .. For additional information on ICANN Accredited Registrars including website and contact information, please visit !J1tps://www.jcann.org/en/accredjted-registrars .<nnr:is://www icann.org/en/accredited-regjfilrfil§.).. If the registration data you are seeking is not provided in the lookup results, please use the Registration Data Request Service (BQ!lliL(b.llps://rdrs.jcann.orgD. to submit a request for nonpublic registration data. RDRS is intended for use by requestors with a legitimate interest in accessing nonpublic registration data. Domain Information I Name: COZAFIN.COM I Registry Domain ID: 2828322235_DOMAIN_COM-VRSN Domain Status:
clientTransferProhibited (bttps://icann.org~r:iP-!clientTransferProhibited) Nameservers:
NS1 .VERCEL-DNS.COM
NS2.VERCEL-DNS.COM
Dates
Registry Expiration: 2026-11-09 04:57:15 UTC Registrar Expiration: 2026-11-09 04:57:15 UTC Updated: 2025-11-0917:42:46 UTC Created: 2023-11-09 04:57:15 UTC Contact Information Lookup

Registrant:
Handle: The RDAP server redacted the value
Name: The RDAP server redacted the value
Organization: The RDAP server redacted the value Phone: The RDAP server redacted the value Mailing Address: The RDAP server redacted the value IS0-3166 Code: LT Contact Uri: https://www.hostinger.com/whois?domain=cozafin.com&yiew=contact (https://www.hostinger.com/whois?domaj n=cozafin.com&view=contact) Privacy protection provided by hostinger:
registrant contact data has been redacted for privacy protection. Registrar Information ( Name: HOSTINGER operations, UAB I IANA ID: 1636 Abuse contact email: abuse@hostinger.com Abuse contact phone: tel:+1-212-252-2172 About the Registrar: httRs://rdaJ:!.hostinger.com/ (httRs://rdap..b.o.filinger,comD DNSSEC Information Delegation Signed: Unsigned Authoritative Servers Registry Server URL: httP.s://rdaJ:!.verisign.com/com/v1/domain/cozafin.com (bttRs://rda~gn.com/com/v1/domain/cozafin.co m} Last updated from Registry RDAP DB: 2026-07-16T14:31 :432 Registrar Server URL: htt~~ger,com/domain/COZAFIN.COM (hllps://rdaR..hQfilinger.com/domain/COZAFIN.COM) Last updated from Registrar RDAP DB: 2026-07-16T14:31 :432 Notices and Remarks

Remarks:
Privacy Protection Provided by Hostinger
Registrant contact data has been redacted for privacy protection. Notices:
Terms of Service
By using this RDAP service, you agree to Hostinger's applicable terms of service and privacy policy. b1tps:/lwww.hostinger.comnega!/universa!-terms-of-service-agreement (.!:illps://www.hostinger.comnegal/universal-terms-of-service :ggreemenn RODS Inaccuracy Complaint Form URL of the ICANN RDDS Inaccuracy Complaint Form: https://icann.org/wicf https://icann.org/wicf (https:ljjcann.org/wicf} Status Codes For more information on domain status codes, please visit https://icann.org/epp 1J1tps://icann.orgfe1:m .... (https://icann,org[epP-)_ a Youtube (https:/twww.youtube.com/icannnews) Twitter (https://www.twitter.com/icann) m f

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EXHIBIT-12

Site report for https://www.cozafin.com ► Q. Look up another site? a Background Site title Caz.a Fin.;ince Gr.oup I Home Date flrst s u n Sltennk Not Present Primary lanzuaie Co~ Fmance Group is a renowed paceset'ti!r in the Banking Sector all over the: East. 01.Jr Description tn.1sthworthiness earned us unmeasurabl'! trust from .>ur loyal clients 'Nh:ch has gath~rKI lots of a Network Hetblock OWner Hostinc company Hostfnccountry 1Pv4 aLJtc,n.omous systems IPY6 address 1Pv6 autcmomous systems RIIWrHDNS IP delegation 1Pv4 address (66,33.60.193) : :ffff:e.G. ~.e/9'6
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EXHIBIT- 13

https://www.cozafin.com/
Sponsored Results
Tuesday, July 14, 2026- Business Debt Consolidation. Centralize Your Financing. Get Your Small Business Funded Fast! A Cardiff, Inc. W https:tnp.csrdiff.co , small-business , loans :
No Impact on Personal Credit - Bank Rates Without Bank Delays Cardiff is your one-stop shop for same day small business loans & equipment financing. Small... cozafin.com hltps'/!www cozafin.com Hide sponsored results ,.., Caza Finance Group I Home Providing financial solutions. By learning exactly who our customers are we can deliver the financial solutions they need. Read more cozafin.com https:/lwww.cozafin com• contact Contact US - Goza Finance Group Kindly reach us via email: support@cozafin.com. Located 1512 Recto A,•e, Santa Cruz, Manila, Available Monday - Friday I 8am - 6pm EST ... available by phone, .. . cozafin.com https:/twww.cozafin.com, about About - Goza Finance Group Caza Finance Group is a leader in the banking industry focusing on solutions for the financial well-being of businesses and their owners. I 8am - 6pm EST ._ cozafin.com https://www.cozafin.com, loans> business_loans X .6it. https:/lwww.cozafin.com/ X Coza Finance Group I Home ea+ Providing financial solutions. By learning exactly who our customers are we can deliver the financial solutions they need. < Share □ Save Remove result Feedback About the source cozafin.com www.cozafin.com was first indexed by Google in November 2023 Your search & this result

These search terms appear in the result: https, WWW, cozafin,
com
The website cozafin.com matches one or more of your search
terms
The result is in English
This result seems relevant for searches from many regions,
including: United_States a.. How Search works (D Learn more search tips > > This is a search result, not an ad. Only ads are paid, and they'll always be labeled with 'Sponsored' or "Ad.'

EXHIBIT-14

Tools Blog APIAccess Contact ( Login ) -
Free Website Traffic Checker
[h..h_n_p_s:1i, w__w_w.c_o_z_a_r,n.c_o_m_1 _________ _______________ ] ✓ I'm not a robot Buy Guest Posts on DA40+ Websites from $19.99 Unique pages of the analyzed domain ranKmg in Google ERROR 50 :: NOTHING FOUND Load more keywords that bring users to a domain vra Google organic search results ERROR 50 :: NOTHING FOUND SEO Load more keyw ds

EXHIBIT-15

BINLIST.NET
IMPORTANT INFORMATION
As announced from September 14th 18.00 CET, we are updating the rate limit for Binlist.net. If you wish to continue using the service or get an API key with unlimited lookups, then please send an email to contact@iinlist.com or fill out this form. You can also signup for our premium service iinlist.com with validated and weekly updated data. 4288 52 G] Sutton Bank Visa Purchasing us United States of Ame ... ? 38 .97