California DFPI Enforcement Actions - August 2025

CA DFPI Monthly Actions & Orders Summary

Filed August 4th, 2025

Detected February 12th, 2026

Summary

The California Department of Financial Protection and Innovation issued enforcement actions against 14 entities in August 2025 for violations including unlawful debt collection, investment adviser activity, and franchise investment law. Actions range from settlement agreements to desist and refrain orders.

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What changed

The California Department of Financial Protection and Innovation (DFPI) has released a summary of its enforcement and non-enforcement actions for August 2025, detailing actions taken against 14 entities. These actions address violations such as unlawful debt collection, illegal investment adviser activities, violations of the California Financing Law, and unlawful franchise investment activities. Specific actions include settlement agreements, accusations to revoke licenses, notices of intention to levy administrative penalties, desist and refrain orders, and consent orders.

Regulated entities, particularly those operating in California or offering financial services within its jurisdiction, should review these actions to understand the types of violations and the corresponding regulatory responses. This includes entities involved in debt collection, investment advisory services, lending, and franchise sales. While specific compliance deadlines are not detailed for all actions, the nature of these enforcement measures indicates a need for immediate review of internal policies and practices to ensure adherence to California financial laws and regulations to avoid similar penalties.

What to do next

Review DFPI August 2025 enforcement actions for relevant entities.
Assess internal compliance with California Financial Code and Corporations Code sections cited.
Update policies and procedures to prevent violations related to debt collection, investment advisory, and franchise laws.

Penalties

Penalties mentioned include administrative penalties, revocation of licenses, and desist and refrain orders. Specific dollar amounts are not detailed in the summary.

Source document (simplified)

SUMMARY OF ENFORCEMENT ACTIO NS AND NON-ENFORCEMENT ISSUED ACT IONS (ADMINISTRATI VE AND CIVIL) BY T HE CALIFORNIA DE PARTMENT OF FINANCIAL PROTECTION AND INNO VATION August 2025 ENFORCEMENT ACTI ONS VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Cass Consulting Group Settl ement A greement Unlawf ul Debt Colle ction L aw Ac t Activity Anaheim, California August 4, 2025 (Financial Code S ection s 90015(d), 90003(a)(1), 100021(a) and 90003(a)(2)) Stella Adviso rs L L C 1. Accusation to Revoke I nvestment Unlawful I nvestment Adviser John Gilbert Marshall, Jr. Adviser Ce rtifica te of Ste lla Advisor s Activ ity Seth William Chandle r LLC; Stella Capita l, L L C 2. Accusation to Bar John Gilbert (Corporations Code Sections Stella Senior L iving, L L C Marsha ll, Jr. and Seth William 25232, 25232.1, 25252 and Chandler from any Position of 25532) San Francisco, Califor nia Employ ment, Management or San Rafael, Cal iforni a Control of any Investment Adviser, Broker De aler or Commodity Adviser; 3. Notice of I ntention to Levy Administrativ e Penaltie s; and 4. Desist and Refrain Orde r August 5, 2025 1

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS I nsight Financia l, LL C Settl ement A greement Unlawf ul Debt Colle ction L aw Ac t Activity St. Petersburg, Florida August 6, 2025 (Financial Code S ection s 90015(d), 90003(a)(1), 100021(a) and 90003(a)(2)) EFFI F inance, Inc. Consent Order Unlawful California Financ i ng L aw Ac tivity Newport Bea ch, California August 6, 2025 (Financial Code S ection s 22159, 22715(b) and 22715) Un i t y Le n d e r LLC Consent Order Unlawful California Financ i ng L aw Ac tivity Danville, California August 7, 2025 (Financial Code S ection s 22159, 22715(b) and 22715) Yesseni a Bocanegra aka Settl ement A greement Unlawful Escrow Law Yesseni a Gonzal ez Activ ity Yesseni a Hernandez Gonz alez August 7, 2025 Yesseni a Garcia (Financial Code S ection 17423) Bakersfie ld, California 2

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Republic First National Corporation Order Gra nting Petition for Unlawful California Financ i ng Reinstateme nt and Reinstating L aw Ac tivity Rochester, I ndiana Licens e (Government Code Section August 11, 2025 11522) K1 Speed Franc hising, I nc. Consent Order Unlawful Franc hi se I nvestment L aw Ac tivity I rvine, California August 12, 2025 (Corporations Code Sections 31402, 31406, 31110, 31200 and 31201) Shao Bank Desist and Refrai n Order and Unlawful Offer and S ale of www.shaobank.c om Cease and D esist Order Securit ies and Unlawful Financ ial Institutions L aw Central, Hong Kong August 13, 2025 Activity L ondon, England (Corporations Code Sections 25110 and 25401) (Financial Code S ection s 560, 561 and 562) Optimus VI P Desist and Refrai n Order Unlawful Offer and S ale of www.op tim u s. vi p Securit ies August 13, 2025 (Corporations Code Section 25110) 3

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Fintoch L LC Desist and Refrai n Order Unlawful Offer and S ale of www.fintoch.c om Securit ies Morgan DF Fintoch LL C August 13, 2025 (Corporations Code Sections Sacrament o, Cal iforni a 25110 and 25401) Beonbit Pty Ltd. Desist and Refrai n Order Unlawful Offer and S ale of www.beonbit.c om Securit ies August 13, 2025 Brisba ne City, Australia (Corporations Code Sections 25110 and 25401) Mortgage Mate LLC Consent Order Unlawful California Financ i ng L aw Ac tivity Mesquite, Nevada August 13, 2025 (Financial Code S ection s 22159, 22715(b) and 22715) Caliber Home L oans, Inc. Settl ement A greement Unlawf ul Californ ia Residen tial Mortgage Lending Act Coppell, Texas Order Rescinding Order to Activ ity Discontinue Violations (Financial Code S ection s Order Rescinding Order to Refund 50204(o) and 50504(o)) Exces sive P er Diem Interest C harges August 18, 2025 4

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Silvershark, I nc. dba S ettl ement Agreemen t Unlawful California F inancing Fundora Funding L aw Ac tivity Ryan Wilcox August 25, 2025 (Financial Code S ection s Woodland Hills, California 22712 and 22100(a)) American S aving Cen ter Citation: Unlawful Cali fornia C heck Prabjoot Singh Naroo (1) Citations 1-5; Seller s, Bill Payers and Proraters Manjinder Singh (2) Desist and Refrain Order; L aw Ac tivity (3) Or der Asse ssing Administrative Woodland Hills, California Penalt ies; an d (Financial Code S ection s (4) Claim f or Ancilla ry Re lief 12107(a), 12107(b), 12107(d), 12105(b), 12105(e), 12106(e), August 25, 2025 12200, 12315, 12315.1, 12321 and 12322) CapitalJ, Inc. dba 1. Desist and Refrain Orde r; Unlawful Offer and S ale of Juno 2. Claim for Ancillar y Relief; and Securit ies 3. Notice of I ntent to Issue Order San Francisco, Califor nia Assessing Administrative Pena lties (Corporations Code Sections 25252 and 25532) August 27, 2025 5

NON-ENFORCEMENT ACT IONS VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Jess e Anne Ch appell Consent Order Granting C onditional Mortgag e Loan Orig inator M LO Li c e n s e License San Clemente, California August 5, 2025 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Rosem ary M cGinley Consent Order Granting Conditional Mortga ge Loan O riginator M LO Li c e n s e License Fort Washington, Pennsy lvania August 20, 2025 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Steven Randal l Brian Lewis Consent Order Granting C onditional Mortgag e Loan Orig inator M LO Li c e n s e License Santa Barbar a, Cali fornia August 21, 2025 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Samant ha J essica P ena Consent Order Granting C onditional Mortgag e Loan Orig inator M LO Li c e n s e License Granite Bay, Califor nia August 22, 2025 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) 6

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Matthew T homas Olive r Consent Order Granting C onditional Mortgag e Loan Orig inator M LO Li c e n s e License Huntington Bea ch, California August 27, 2025 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Jam es Jero me Llorico Consent Order Granting C onditional Mortgag e Loan Orig inator M LO Li c e n s e License Mesa, Arizona August 28, 2025 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) 7