Stratus Financial LLC Consent Order for Consumer Loan Act Violations

WA DFI Enforcement Actions

Filed December 29th, 2025

Detected February 12th, 2026

Summary

The Washington State Department of Financial Institutions issued a consent order against Stratus Financial LLC for violations of the Consumer Loan Act. Stratus Financial must pay an investigation fee, waive all interest and fees on student loans to Washington residents, and comply with record retention requirements.

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What changed

The Washington State Department of Financial Institutions (DFI) has issued a Consent Order (Case Number C-23-3679-25-CO01) against Stratus Financial, LLC, resolving an investigation into alleged violations of the Consumer Loan Act. As part of the order, Stratus Financial is required to pay an investigation fee of $1,963.33, waive all interest and fees on student loans provided to Washington residents, and adhere to record retention requirements. This action stems from an investigation into the company's lending practices.

This consent order signifies a binding resolution to the DFI's investigation. Stratus Financial must take immediate action to comply with the terms, including waiving interest and fees and ensuring proper record retention. Failure to comply with the consent order could result in further enforcement actions. The DFI is not providing financial or legal advice related to this matter.

What to do next

Pay investigation fee of $1,963.33.
Waive all interest and fees on student loans made to Washington residents.
Comply with records retention requirements.

Penalties

Investigation fee of $1,963.33. Waiver of all interest and fees on student loans to Washington residents.

Source document (simplified)

Last upd ated 12/ 29/25 ORDER SUM MARY Consumer Se rvices D ivision Case Number C -23-3 679 Consent Orders resolve investigat ions. In these, companies and in dividuals work with us to agre e to terms t hat resolve the alleged issues in the investigation. Names Stratus F inancia l, LLC, N MLS #2324575 Order Num ber C-23-3679 -25-CO01 Date issued Dece mber 29, 202 5 What doe s this C onsent Order re quire? x Respondent must pay an investigation fee of $1, 963.33. (Investigation fee s cover the cost of DFI staff time working on the investiga tion.) x Respondent must waive all interes t and fees on student loans made to Wa shington residents. x Responden t must c omply with reco rds rete ntion requir ements. Need m ore inform ation? You can c ontact t he Consumer S ervices Divisio n, Enforcemen t unit a t (360) 902-870 3 or csenforcecom plaints@dfi.wa.gov. Please remember that w e cannot provide f inancial or legal advi ce to members of t he public. We also cannot release confidential inf ormation.

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     %.%,%)()$)(,-'#+#+.%"#, )/ &0'%!                             +10#., .0/ '34>:9>09?#=/0=8,D-00C0.@?0/49,9D9@8-0=:1.:@9?0=;,=?>49.7@/492 -D1,.>48470:=08,47:1,;/1:=>4847,=14700,.3:1B34.3>3,77-0/0080/?:-0,9:=4249,7-@?,77:1 B34.3?,609?:20?30=>3,77.:9>?4?@?0:90,9/?30>,80:9>09?#=/ 0=  &?=,?@>49,9.4,7  D +++++++++++++ ++++++++++++++++++++++++++++++ 9?3:9D0=,.4 ,?0 3401C0.@?4A0#114.0=  '&#%%"'%'&++++++*#+++++++++++++++++ + ++++++++++++++++++++  &4=0.?:= 4A4>4:9:1:9>@80=&0=A4.0> 0;,=?809?:149,9.4,79>?4?@?4:9> $=0>09?0/-D +++++++ !&%%(&&   49,9.4,7 02,7C,8490= ;;=:A0/-D + + ++++++++ " % 91:=.0809?3401                                                                                                                       ! &  %  %(&&   + +  "  %   +                                                                   & & & & & & & & & & & & & & & & & & & & & & & & & &  29th Decembe r October 17, 2025