Clarity Debt Resolution Consent Order - Debt Adjustment

STATE OF NEW HAMPSHIRE BANKING DEPARTMENT

In the Matter of: Clarity Debt Resolution, Inc.

Case No. 2025-0276

CONSENT ORDER

The State of New Hampshire Banking Department (“Department”), acting in agreement with the respondent, Clarity Debt Resolution, Inc. (“Clarity”), finds and orders as follows:

Jurisdiction

Pursuant to RSA 399-D:2, the Department is charged with regulating persons that engage “in the business of debt adjustment in this state or with persons located in this state.” Pursuant to RSA 399-D:1, IX(c), debt adjustment includes those who negotiate “with one or more creditors on behalf of a debtor for direct or indirect compensation . . . .” Pursuant to RSA 399-D:12, I, the Department is authorized to examine the business affairs of any licensee or non-licensee debt adjuster to determine compliance with RSA 399-D.

Background

Clarity is a corporation organized under the laws of California and registered to transact business in New Hampshire with a principal office location in Irvine, California. Clarity held a New Hampshire debt adjuster license from August 11, 2023 through December 31, 2025. Pursuant to its authority under RSA 399-D:12, the Department, through the Consumer Credit Division, conducted an examination and an investigation of Clarity.

Pursuant to its investigation, the Department alleges that Clarity had charged New Hampshire consumers fees in excess of the maximum 15% permitted pursuant to RSA 399-D:16.

II. Clarity fully cooperated with the Department during the investigation.

Acknowledgments

WHEREAS, Clarity makes the following acknowledgments:

1. Clarity voluntarily enters into and signs this Consent Order without reliance upon any discussions between the Department and Clarity, without the promise of a benefit of any kind (other than the concessions contained in this Consent Order), without threats, force, intimidation or coercion of any kind, and without any admission of wrongdoing or liability of any kind.
2. Clarity understands the nature of the allegations set forth herein and that, if proven, they constitute grounds for potential sanctions, as provided by law.
3. Clarity acknowledges, understands, and agrees that it has the right to notice and an adjudicatory hearing to contest the matters set forth herein, including any appeal, and hereby waives those rights.
4. Clarity understands that its action in entering this Consent Order is a final act and not subject to reconsideration or judicial review or appeal. Clarity further acknowledges that it waives any right to judicial review or appeal of this Consent Order.
5. Clarity represents and warrants that it has all the necessary rights, powers and abilities to carry out the terms of this Consent Order.
6. Clarity acknowledges that the Department is relying upon Clarity’s representations and warranties stated herein in making its determinations in this matter.
7. Clarity acknowledges that this Consent Order may be revoked and the Department may pursue any and all remedies available under the law against Clarity if the Department later learns that Clarity knowingly or willfully withheld material information from the Department.

Order

Pursuant to RSA 399-D:18, VI, the Commissioner finds this action necessary or appropriate to the public interest or the protection of consumers and consistent with the purposes fairly intended by the policy and provisions of RSA 399-D. Accordingly, the Bank Commissioner orders as follows:

1. Clarity shall cease and desist from any and all material violations of RSA Chapter 399-D.
2. Clarity shall remit $191,460.31 in total restitution to the 133 New Hampshire consumers listed in attached Exhibit A. Restitution shall be made by bank check or ACH transfer to each listed consumer and Clarity shall provide the Department proof of restitution via copies of the letters sent to each consumer, copies of the payments made to each consumer, and confirmations that the payment to each consumer have cleared. For any consumer Clarity is unable to reach, Clarity shall escheat payment to the State of New Hampshire Treasurer, Abandoned Property Division.
3. Failure by Clarity to materially comply with any portion of this Consent Order shall constitute a separate and sufficient basis for administrative action, up to and including license application denial or license revocation, and monetary penalties.
4. This Order fully resolves this matter, and the Commissioner will not take further action against Clarity for the allegations presented herein. However, the Department may take enforcement action against Clarity for any violation or future violation of this Consent Order, if the Commissioner determined that compliance with the material terms of this Order are not being observed or if any material representation

made by Clarity and reflected herein is subsequently discovered to be untrue.

1. This Consent Order shall become final when executed by the Commissioner.

Recommended by:

Jessica F. Kallipolites
Hearings Examiner
New Hampshire Banking Department

3/20/2026
Date

Cameron King
Chief Services and Regulatory Officer
Clarity Debt Resolution, Inc.

3/23/26
Date

SO ORDERED.

Emelia A.S. Galdieri
Bank Commissioner
New Hampshire Banking Department

April 2, 2026
Date