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Cease Directive

Cease Directive M&M Tech Solutions Corp. Cease Directive

| Date: | 04/02/2026 |
| --- | --- |
| Organization: | Division of Banks |
| Docket Number: | 2026-003 |
| Location: | Boston, Massachusetts |
Whereas, the Commissioner of Banks (Commissioner), having determined that M&M Tech Solutions Corp. (M&M Tech Solutions or the Corporation), located at 100 Granger Boulevard, Suite 101, Marlborough, Massachusetts has engaged in acts or practices constituting violations of Massachusetts General Laws chapter (M.G.L.) 169, as so appearing prior to January 1, 2026; and may be engaged, or is about to engage, in acts or practices constituting violations of M.G.L. chapter 169B and applicable regulations found at 209 CMR 44.00 et seq..

The Commissioner hereby issues the following Cease Directive pursuant to M.G.L. chapter 169B, section 10.

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Findings of Fact

1. The Division of Banks (Division), through the Commissioner, has jurisdiction over the licensing and regulation of persons or entities engaged in the business of money transmission pursuant to M.G.L. chapter 169B. M.G.L. chapter 169B was enacted through the passage of Chapter 312 of the Acts of 2024 (Chapter 312) which became effective on January 1, 2026 [1].
2. Prior to January 1, 2026, the Division, through the Commissioner, had jurisdiction over the licensing and regulation of persons engaged in the business of a foreign transmittal agency pursuant to M.G.L. chapter 169.  On January 1, 2026, M.G.L. chapter 169 was repealed by Chapter 312 of the Acts of 2024.
3. As of December 31, 2025, M&M Tech Solutions was a licensed foreign transmittal agent of OMNEX Group, Inc. and Viamericas Corporation.  As a licensed agent of OMNEX Group, Inc. and Viamericas Corporation, M&M Tech Solutions was only authorized to transmit consumer funds as an agent of OMNEX Group, Inc. or Viamericas Corporation.
4. According to the Division’s records, from January 1, 2026, to present, M&M Tech Solutions is an authorized delegate under M.G.L. chapter 169B, section 7 of both OMNEX Group, Inc. and Viamericas Corporation.
5. According to the records of the Secretary of the Commonwealth of Massachusetts and the Division, the president of M&M Tech Solutions is Mariana Machado Baril.
6. According to the Division’s records, M&M Tech Solutions has never applied for or obtained a license from the Commissioner pursuant to M.G.L. chapter 169, section 3, to engage in the activity of a foreign transmittal company; or applied for or obtained a license from the Commissioner pursuant to M.G.L chapter 169B, section 4, to engage in the activity of a money transmitter. (Money Transmitter).
7. On March 7, 2026, the Division received an email alerting the Division to potential unlicensed money transmission activity at M&M Tech Solutions. The email included a photograph of what appeared to be a transmission receipt (receipt) dated December 17, 2025, which did not identify either OMNEX Group, Inc. or Viamericas Corporation as the Money Transmitter and instead appeared to identify M&M Tech Solutions as the money transmitter.
8. The receipt appeared to indicate that M&M Tech Solutions accepted seven thousand five hundred dollars ($7,500.00) and an additional ten dollar ($10.00) fee for transmission. The receipt indicated that the $7,500 in funds were for M&M Tech Solutions to transmit to a foreign country. Acceptance of such funds for transmission to a foreign country in this manner was outside of the authority granted under the agent licenses referenced in paragraph 3 of this Cease Directive. Specifically, M&M Tech Solutions accepted funds from a Massachusetts consumer to transmit through channels outside of the OMNEX Group, Inc. or Viamericas Corporation network.
9. On March 10, 2026, a Senior Examiner for the Division entered the premises of M&M Tech Solutions located at 100 Granger Boulevard, Suite 101, Marlborough, Massachusetts.
10. The Senior Examiner identified himself as an employee of the Commonwealth of Massachusetts to Mr. Marcus Rodrigues, the only employee of M&M Tech Solutions present.  Mr. Rodrigues identified himself as the person in charge of or typically involved with conducting money transmission services at the location.
11. Mr. Rodrigues relayed to the Senior Examiner that M&M Tech Solutions is an authorized delegate of both OMNEX Group, Inc. and Viamericas Corporation. Upon further inquiry by the Division’s Senior Examiner regarding money transmission activity at the location, Mr. Rodrigues noted that on occasion, when customers at the 100 Granger Boulevard location of M&M Tech Solutions request that funds  be made available immediately in Brazil, he facilitates transfers through individuals he knows who maintain bank accounts in Brazil.  According to Mr. Rodrigues, upon authorization, these individuals who maintain bank accounts in Brazil transfer funds or otherwise pay the designated beneficiary in Brazil.  Mr. Rodrigues further stated that funds received from customers at the store are deposited into various U.S. bank accounts (noting it is not always the same account) owned by those individuals who maintain bank accounts in Brazil.
12. On March 10, 2026, the Division’s Senior Examiner requested all transmission records related to the unlicensed activity from Mr. Rodrigues; however, to date the records have not been provided to the Division.
13. The Division has reason to believe that M&M Tech Solutions may be engaging in the activity of a money transmitter in violation of M.G.L chapter 169B.

[1] An Act Relative to the Regulation of Money Transmission by the Division of Banks (Chapter 312), was signed into law on January 1, 2025.  Chapter 312 sets forth a single statutory framework for the licensing, examination, and regulation by the Division for all money transmitters, including both foreign and domestic money transmissions, in Massachusetts under a newly established statutory provision at M.G.L. c. 169B. M.G.L. c. 169B became effective on January 1, 2026.

Cease Directive

After taking into consideration the Findings of Fact stated herein, it is hereby directed:

1. M&M Tech Solutions shall immediately cease from engaging directly or indirectly in the business of a Money Transmitter, unless specifically operating under the delegated authority of OMNEX Group, Inc. and Viamericas Corporation pursuant to the provisions of M.G.L. chapter 169B, section 7.
2. M&M Tech Solutions shall within five (5) calendar days of the effective date of this Cease Directive provide the Division with a complete record (records) of monies received for transmission by the Corporation during the period from October 30, 2023, through the effective date of this Cease Directive. The records shall include, but are not limited to, all bank account records used in the transmittal of funds for individuals, the names and addresses of all individuals from whom monies have been received by M&M Tech Solutions for the purpose of transmitting the same or equivalents thereof to foreign countries, the amount of each transmittal, the transaction numbers, the date of transmission and the total fees charged on each transaction.   The records shall not include any transmission activity conducted as a licensed foreign transmittal agent under M.G.L. chapter 169, as so appearing prior to January 1, 2026; or pursuant to the delegated authority of OMNEX Group, Inc. and Viamericas Corporation under M.G.L chapter 169B.
3. M&M Tech Solutions shall reimburse fees to all persons for whom the unlicensed transmittal of money as described in paragraph 15 was executed between October 30, 2023, and the effective date of this Cease Directive. Reimbursements shall be made to each person on a per transaction basis in an amount equal to the entire portion of the transmittal fee retained by M&M Tech Solutions for such transaction. A record shall be provided to the Division of the names and addresses of all individuals who have deposited money with M&M Tech Solutions for the purpose of foreign transmittal, the amount of each transmittal, the transaction numbers, the total fees charged on each transaction, the portion of the transmittal fee retained by M&M Tech Solutions for each individual on a per transmittal basis, the check numbers of payments issued by the Corporation to evidence reimbursements made to consumers, the date of reimbursement, and the amount reimbursed to each individual.

Notice of Right to a Hearing

1. M&M Tech Solutions has the right to request a hearing to contest the charges described herein.  In order to request a hearing, M&M Tech Solutions or its authorized representative is required to file a notice of claim for an Adjudicatory Proceeding within thirty (30) days of the effective date of this Cease Directive, pursuant to the Standard Adjudicatory Rules of Practice and Procedure, 801 CMR 1.01(6)(b) and (c). If requested, the hearing would be conducted according to M.G.L. chapter 30A, sections 10 and 11, and the Standard Adjudicatory Rules of Practice and Procedure, 801 CMR 1.00.  If M&M Tech Solutions does not file a notice of claim for an Adjudicatory Proceeding within thirty (30) days of the effective date of this Cease Directive, the Corporation will permanently lose the right to contest the charge(s) described herein. By Order and direction of the Commissioner of Banks.

Dated at Boston, Massachusetts, this 2nd day of  April, 2026.

Mary L. Gallagher
Commissioner of Banks

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