Immediate Final Order Regarding Mandy Worlds Finances

Index: OFR 2026-416

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION

In Re: MANDY WORLDS FINANCES Respondent.

Case No.: 141018

IMMEDIATE FINAL ORDER

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 Mandy Worlds Finances (“Respondent”) 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. The Respondent and all persons acting in concert or cooperation with Respondent 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

1. The Office is the state of Florida’s agency responsible for the administration and enforcement of chapter 655, Florida Statutes.

2. The Office obtained information prompting an investigation into whether Respondent was offering or providing unauthorized banking or credit union services, contrary to provisions of chapter 655, Florida Statutes.

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3. The findings of fact made herein are based, in part, upon the verified declaration of Senior Financial Investigator, John W. Goolsby, Emergent Financial Crimes Unit, Bureau of Financial Investigations, Office of Financial Regulation, which includes exhibits 1-15. John W. Goolsby’s declaration, along with its exhibits, are attached hereto as Attachment “A.”

Respondent’s Status

4. The Office previously issued an Immediate Final Order under case 137153 to Mandy Worlds Finance to cease and desist from utilizing the term bank or similar terms and maintaining the associated website https://www.mandyworldsfinance.com.

5. Respondent has never been a chartered or licensed financial institution according to the Federal Financial Institution Examination Counsel’s National Information Center, a repository of financial data and institution characteristics collected by the Federal Reserve System on financial institutions worldwide.

6. Respondent has 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.

7. Respondent’s website lists its primary address as: 42 Hampton, St. Louis, MO, 63109 which is an incomplete address.

8. Respondent is not registered with the Missouri Online Business Filing system or the Florida Department of State, Division of Corporations, as a business entity.

Respondent’s Website

9. The Office previously issued an Immediate Final Order under case 137153 to Mandy Worlds Finance to cease and desist from utilizing the term bank or similar terms and maintaining the associated website https://www.mandyworldsfinance.com.

10. Respondent created a new Uniform Resource Locator (URL) with an additional “s” at the end of the word “finance” and did not update the fictious entity logo imposed on the website.

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11. Respondent operates an internet website with a Uniform Resource Locator (URL) of https://www.mandyworldsfinances.com that:

a) offers financial services to individuals located within the State of Florida;

b) utilizes a name or title that includes the word “bank” which indicates or reasonably implies that the business being solicited, conducted, or advertised is that of a financial institution, and which is likely to lead members of the public to believe that such business is that of a bona fide financial institution; and

c) solicits members of the public, including individuals in Florida, to establish both personal and business checking and savings accounts, and obtain credit cards, mortgage services, down payment assistance, merchant services, and various types of loans.

12. Respondent’s website claims that all deposit accounts are Federal Deposit Insurance Corporation (FDIC) insured. The Respondent is not and has never been a member of the FDIC.

13. Respondent’s 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.

14. Respondent, through its website, holds itself out to the general public, including Florida citizens, as a financial institution.

Ongoing Immediate Danger

15. 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, and welfare, and particularly to those depositors or creditors who believe those false representations.

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16. Respondent’s actions, including internet website publication, are unlawful and the current circumstances constitute an ongoing and immediate danger to the public health, safety, and welfare. An immediate final order is necessary and fair under the circumstances to stop the ongoing violation.

CONCLUSIONS OF LAW

17. The Office is responsible for the administration and enforcement of chapter 655, Florida Statutes, pursuant to section 655.012, Florida Statutes.

18. 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.

19. The Office has jurisdiction over the matter because Respondent is engaging in unauthorized banking activity in the State of Florida, contrary to chapter 655, Florida Statutes.

20. 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 so in this state. The welfare of the public is compromised when an individual or an entity engages in the business of a financial institution without authorization, or falsely holds itself out to the public as a state- or federally-regulated entity.

Unauthorized Banking Activity

21. 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.

22. Section 655.922(1), Florida Statutes, is designed to protect the public health, safety,

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and welfare by prohibiting unauthorized persons or entities from engaging in banking activities. A violation of this statute constitutes a regulatory violation, as well as a felony of the third degree punishable by up to a five-year prison sentence.

23. 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

24. Section 655.922(2)(a), Florida Statutes, provides that only a financial institution authorized to do business in this state may transact or solicit business under any name or title that contains the words “bank,” “credit union,” or any words of similar import in any context or in any manner.

25. By soliciting business through use or publication of the name Mandy Worlds Finances without being authorized to do business as a financial institution in this state, Respondents are in violation of section 655.922(2)(a), Florida Statutes.

26. Additionally, 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 an internet website that indicates or reasonably implies that the 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

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are in violation of section 655.922(2)(c), Florida Statutes.

Summary 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, and welfare, and when that danger requires an immediate final order.

30. The statutory violations that are being committed by Respondent, and the existence of and content included on its current website, https://www.mandyworldsfinances.com, as outlined above, constitute an ongoing, continuing, and immediate danger to the public health, safety, and welfare.

31. Respondent is engaging in ongoing conduct that threatens the health, safety, and welfare of the public, and therefore the following actions are required:

a) Respondent must immediately cease and desist from holding itself out to the general public, including Florida citizens, as an ostensibly legitimate financial institution;

b) Respondent must immediately cease and desist from soliciting financial transactions or deposits from the general public, including Florida citizens, through the use of its internet website or other methods.

32. 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.

33. In entering this Immediate Final Order, the Office considered but ultimately

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decided against using other remedies. Issuing an administrative complaint or a cease-and-desist order would be insufficient to adequately address the immediate danger inherent in Respondent’s 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 Respondent. Moreover, the potential for harm to Florida's consumers posed by Respondent’s ongoing conduct is severe and cannot be abated until a final order is issued. By contrast, any potential harm to Respondent from issuing an immediate final order in this instance is likely to be de minimis.

Accordingly, IT IS HEREBY ORDERED:

Respondent, and all persons acting in concert or cooperation with Respondent, shall immediately CEASE AND DESIST from:

A. representing or holding itself out as a financial institution;

B. 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, online banking services, offering loans, issuing credit cards, and opening business and personal bank accounts;

C. operating, registering, storing, passively maintaining, or actively maintaining the content found on the internet website found at https://www.mandyworldsfinances.com and any files or electronic data associated therewith.

DONE and ORDERED this 21st day of August, 2026, in Tallahassee, Leon County, Florida.

Russell C. Weigel, III Commissioner

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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 review. 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 32339-0379, and a copy accompanied by filing fees prescribed by section 35.22, Florida Statutes, with the District Court of Appeal, First District, 200 Drayton Drive, Tallahassee, Florida, 32339-0950, or with the District Court of Appeal in the appellate district where the party resides. 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 or to the Office for a stay of this Order or request supersedeas, pursuant to section 120.68(3), Florida Statutes. Notice is provided, however, that the Office will oppose a stay and supersedeas.

Respondents are also advised that Respondents may request an expedited administrative hearing to be conducted in accordance with the provisions of sections 120.569 and 120.57, Florida Statutes. Requests for such a hearing must specifically state that Respondents are seeking an expedited hearing and must comply with the provisions of Rules 28-107.005, 28-106.104(2), and either Rule 28-106.201 or Rule 28-106.301, Florida Administrative Code.

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A request for hearing must be filed as follows:

By Mail or Email Office of Financial Regulation P.O. Box 8050 Tallahassee, FL 32314-8050 Phone: (850) 410-9889 Agency.Clerk@flofr.gov

OR

By Hand Delivery Office of Financial Regulation General Counsel’s Office 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 WITHIN TWENTY-ONE (21) DAYS AFTER THE RECEIPT OF THE IMMEDIATE FINAL ORDER. 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 IMMEDIATE FINAL ORDER. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WAIVER OF RESPONDENTS’ RIGHT TO REQUEST A HEARING.

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 renewed timely 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, by Phone: (850) 410-9889, or by Email: Agency.Clerk@flofr.gov.

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CERTIFICATE OF SERVICE

I HEREBY CERTIFY that a true and correct copy of the foregoing Immediate Final Order was furnished by U.S. Mail to 42 Hampton, St. Louis, MO 63109 and by electronic mail to info@mandyworldsfinances.com on this 21st day of August, 2026.

Agency Clerk Office of Financial Regulation Post Office Box 8050 Tallahassee, Florida 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

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ATTACHMENT A

VERIFIED DOCUMENT BY WRITTEN DECLARATION

STATE OF FLORIDA ) COUNTY OF ORANGE )

I, John W. Goolsby, declare and state as follows:

1. I, John W. Goolsby, am a Senior Financial Investigator with the Emergent Financial Crimes Unit of the Bureau of Financial Investigations (BFI), for the Florida Office of Financial Regulation (OFR).

2. I have been employed with the BFI since January 2026. Prior to BFI, I received my BS in Criminal Justice from Almeda University and spent 25 plus years investigating fraud for retail and wholesale organizations including Kmart, Home Depot, HD Supply, Anixter and Amazon.

3. On July 29, 2026, I was alerted by BFI Area Financial Manager, Kris Ignatowicz, of information reflecting the online presence of an unchartered/unlicensed institution operating as Mandyworldsfinances (“the entity”). I previously investigated a separate matter involving an unchartered/unlicensed institution operating as Mandyworldsfinance; see investigation number: 136839 for details. While nearly identical, the respondent(s) created a new URL with an additional “s” at the end of the word “finance” but failed to update the fictious entity logo imposed on the webpages and graphics.

4. I conducted an internet search and identified the entity’s Uniform Resource Locator (URL) as https://www.mandyworldsfinances.com (Exhibit #1). The website identifies the entity’s principal address to be located at 42 Hampton, St. Louis, MO. 63109. Using open-source tools such as Google Maps, I discovered that the listed corporate address was incomplete. The search query response revealed the complete address to be 42 Hampton Village Plaza, St. Louis MO. 61109. Utilizing Google Maps “Street View” feature, I discovered the identified location was formerly a T-Mobile location in January 2022 but as of May 2025 the business space appears to be vacant. (Exhibit #2)

5. A search of the Missouri Online Business Filing System and Florida Department of State, Division of Corporations website revealed the entity is not registered to lawfully operate as a business entity in Missouri or Florida. (Exhibit #3).

6. According to the entity’s website, it offers a variety of banking services including the following:

• Personal Accounts, checking, savings, credit cards, loans, investments, etc. (Exhibit #4)
• Business Accounts, checking, savings, credit cards, merchant services, etc. (Exhibit #5)
• Mortgage Services, first time home buyer loans, down payment assistance, construction loans, etc. (Exhibit #6)

7. Furthermore, the “Business Online & Mobile Banking” page of the entity’s website contains several references to Florida Capital Bank (FLCB) in violation of Chapter 655, Florida Statutes. The section of the website page entitled “Manage your business on the Go with our Business Mobile App” displays the statement, “Download the Mandyworldsfinance Business Mobility App today! With the Mandyworldsfinance Business Mobility App you can complete all transactions just as you would online with the same level of security that you have without Online Banking.” Additionally, the graphic picturing three mobile devices was found to display “FLCBank” in the lower left portion of the mobile devices positioned in the center and right of the image. The top left corner of the mobile device pictured in the left of the image was found to have been altered with a blurred effect masking what is believed to have been the FLCB name/logo with the fictious entity’s logo superimposed over it (Exhibit #7). FLCB is a legitimate financial institution and the entity’s website appears to be an altered version of the FLCB website. (Exhibit 8).

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VERIFIED DOCUMENT BY WRITTEN DECLARATION

8. The website further states that all deposit accounts are FDIC insured (Exhibit #9). I confirmed that the entity is not, nor has it ever been a member of the Federal Deposit Insurance Corporation (FDIC) (Exhibit #10).

9. As of this date, a check of the National Information Center (NIC) website, a repository of financial data and institution characteristics collected by the Federal Reserve System on financial institutions worldwide, revealed the entity is not nor has it ever been a chartered or licensed financial institution. The entity’s website listed a routing number of 063112142 and an NMLS number of 79039 as seen in Exhibit 9. A review of the U.S. Bank Locations website revealed the identified routing number to be associated with Florida Capital Bank (Exhibit # 12). Additionally, a check of the Nationwide Multistate Licensing System / Nationwide Mortgage Licensing System and Registry (NMLS) website revealed the identified NMLS number to be registered to Florida Capital Bank, N.A. as well (Exhibit #13).

10. I researched the domain name “mandyworldsfinances.com” on the Internet Corporation for Assigned Names and Numbers (ICANN.org) website. According to ICANN.org’s records, the listed registrar for the domain was identified as TUCOWS.COM, CO. The domain was found to be created on 05/18/2026 and has a current registry expiration date of 5/18/2027. It appeared that the new domain may have been an attempt to resume operations following the issuance of the Immediate Final Order to Mandyworldsfinance on 04/15/2026. (Exhibit # 14)

11. According to ipqualityscore.com, the entity’s IP address associated with the entity’s domain maintains a fraud score of 99, indicating a high risk of fraud. Additionally, the IP address was found to have a positive response for VPN/Proxy services which is used to mask the identity and location of user. (Exhibit #15)

12. As of the date of this declaration, the URL www.mandyworldsfinances.com is currently accessible and active with an IPv4 address of 64.20.45.186. (Exhibit # 15)

13. OFR Division of Financial Institutions (DFI) Records Custodian, Tammie Dull affirms DFI has no record of charter or license for the entity under the provisions of Chapters 655, 657, 658, 660, 662 663, 665, and 667, Florida Statutes. Furthermore, AA III Dull advises there are no DFI records of applications or denials associated with the entity.

Websites Utilized

1. Mandy Worlds Finances at https://www.mandyworldsfinances.com
2. Google Maps at https://maps.google.com/
3. Missouri Secretary of State Business Services website at https://www.sos.mo.gov/business
4. Florida Department of State, Division of Corporations website at https://dos.fl.gov/sunbiz/
5. Federal Deposit Insurance Corporation’s (FDIC) website at https://www.fdic.gov
6. Federal Financial Institution Examination Counsel’s NIC website at https://www.ffiec.gov/NPW
7. Nationwide Multistate Licensing System at https://www.nmlsconsumeraccess.org
8. ICANN.org website at https://lookup.icann.org/en/lookup
9. IP QualityScore website at https://www.ipqualityscore.com

Pursuant to Section 92.525, Florida Statutes, under penalties of perjury, I declare that I have read the foregoing document and the facts stated in it are true.

/s/ John W. Goolsby Dated: August 5, 2026

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EXHIBIT 1

[Screenshot of website: Mandy Worlds Finances, "We get to know our customers", "Small Business Solutions", "Small Business Loans"]

EXHIBIT 2

[Screenshot of Google Maps: 42 Hampton Village Plaza, T-Mobile location, Jan 2022]

EXHIBIT 3

[Screenshot of Missouri Online Business Filing: Search for a Business Entity, "Mandys worlds finances", No records to display]

EXHIBIT 4

[Screenshot of website: Personal Checking Accounts, "Personal Checking Accounts", "Personal Capital Checking", "Personal Checking"]

EXHIBIT 5

[Screenshot of website: Business Accounts, "Business Accounts", "Business Checking Accounts", "Business Solutions Checking", "Business Analysis Checking", "Business Now Checking", "Business Savings Accounts"]

EXHIBIT 6

[Screenshot of website: First-Time Home Buyers, "First-Time Home Buyers", "HomeReady", "Home Possible", "HomeOne"]

EXHIBIT 7

[Screenshot of website: Business Online & Mobile Banking, "Secure Convenient Account Access", "Manage your business on the Go with our Business Mobile App"]

EXHIBIT 8

[Screenshot of website: Florida Capital Bank, "Business Online & Mobile Banking", "Secure Convenient Account Access", "Manage your business on the Go with our Business Mobile App"]

EXHIBIT 9

[Screenshot of website: Down Payment Assistance, "Down Payment Assistance", "Community Partners Product", "First-Time Homebuyer Product", "Veterans Products"]

EXHIBIT 10

[Screenshot of FDIC BankFind Suite: "0 Matching Results" for "Mandys Worlds Finances"]

EXHIBIT 11

[Screenshot of NIC National Information Center: "No data available in table" for "Mandys Worlds Finances"]

EXHIBIT 12

[Screenshot of US Bank Locations: "Bank Routing Number 063112142, Florida Capital Bank, N.a."]

EXHIBIT 13

[Screenshot of NMLS Consumer Access: "Florida Capital Bank, N.A.", "NMLS ID: 790396"]

EXHIBIT 14

[Screenshot of ICANN Lookup: "mandyworldsfinances.com", "active", "Registrar: TUCOWS.COM, CO."]

EXHIBIT 15

[Screenshot of IPQualityScore: "Malicious URL Scanner", "https://www.mandyworldsfinances.com/", "Success", "0 - Clean", "IP Address: 64.20.45.186"]