DFPI Enforcement Actions - November 2025

CA DFPI Monthly Actions & Orders Summary

Filed November 4th, 2025

Detected February 12th, 2026

Summary

The California Department of Financial Protection and Innovation (DFPI) issued several enforcement actions in November 2025, including consent orders, settlement agreements, and license revocations. These actions address violations of California's Financial Code and Corporations Code related to lending, financing, and securities activities.

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What changed

The California Department of Financial Protection and Innovation (DFPI) has released its summary of enforcement actions for November 2025. The document details multiple actions taken against various entities, including Directions Equity, LLC, CreditNinja Lending, LLC, Clear Choice Lending, LLC, and Capital Alliance Group, for violations of California's Residential Mortgage Lending Act, California Financing Law, and Escrow Law. Actions include consent orders, settlement agreements, license revocations, and desist and refrain orders, with specific charging sections cited from the Financial Code and Corporations Code.

These enforcement actions highlight the DFPI's ongoing efforts to police the state's financial services sector. Regulated entities must review these actions to understand the types of violations being prosecuted and the associated penalties. While specific compliance deadlines are not detailed for these past actions, the cited violations indicate areas of heightened regulatory scrutiny, and non-compliance could lead to significant penalties, including license revocation and barring from future employment in the industry.

What to do next

Review DFPI November 2025 enforcement actions for relevant business activities.
Ensure compliance with California Financing Law, Residential Mortgage Lending Act, Escrow Law, and securities regulations.
Consult legal counsel regarding any potential exposure based on cited violations.

Penalties

Penalties include consent orders, settlement agreements, revocation of licenses, desist and refrain orders, and barring respondents from future employment in the industry.

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 November 2025 ENFORCEMENT ACTI ONS VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Directions Equity, L L C Consent Order Unlawf ul California Residentia l Mortga ge L ending Activity San Antonio, Texas November 4, 2025 (Financial Code S ection s 50321, 50323, 50124(a)(2), 50204(o), 51024(a)(2) and 50314(a)) CreditNinja L ending, L L C dba Settlement A gre ements Unlawful California Financ ing CreditNin ja Law and Californ ia Deferred KM D P a r t n e r s, LLC November 5, 2025 Deposi t Transact ion Law Activ ity Chicago, I llinois (Financial Code S ection s 22712, 22161(a)(1), 22303, 22304, 22304.5, 22305, 22320.5, 23050, 23036(e) and 23045) 1

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Clear Choice L ending, L L C dba Settl ement A greement Unlawful California Financ ing Quick Title L oans L aw Activ ity EXZ Ca r Title November 5, 2025 (Financial Code S ection s South Gate, California 22712, 22161(a)(1), 22303, 22304, 22304.5, 22305, 22320.5, 22337, 22346, 22161, 22320, Wilmington, Ca lifornia 22601, 22200, 22201, 22306, 22307, 22156, 22336(a), 22308, 22309, 22202 and 22329) Capital Allia nce Gr oup Order Revoking Lic ense Unlawful California Financ ing L aw Activ ity I rvine, California November 6, 2025 (Financial Code S ection 22714) Beverly Jane Sti ckler Accusation in Support of Order Unlawful Escrow Law Barring Respondent from any Activ ity Arroy o Gra nde, California Position of Employme nt, Manage ment, or Control of any (Financial C ode S ection Escrow Agent 17423) November 6, 2025 2

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS I Fund Cities L LC Desist and Refrai n Order Unlawful California Financ ing L aw Activ ity Philadelphia, Pennsy lvania Stipulation to Entry of Desist and Refrain Order, and Pay ment of (Financial Code S ection s Penalt i es 22100, 22155, 22712) Order Conditionally Granting Petition (Government Code Section for Rein statem ent 11522) November 6, 2025 Order Gra nting Petition for Reinstateme nt and Reinstating Licens e November 13, 2025 Calafia Ban k and Trus t Cease and D esist Order Unlawf ul California Financ ial Madaline Tigg le I nstitutions L aw Activity November 7, 2025 Riverside, California (Financial Code S ection s 560 and 562) Timothy Robert Dixon Expungement Order De nied Unlawful Broker-Dealer Activ ity San Mateo, California November 11, 2025 (Corporations Code Sections 25003, 25004 and 25241) 3

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Ralph Gerard Adamo Expungement Order De nied Unlawful Broker-Dealer Activ ity Ladera Ranch, Cali fornia November 12, 2025 (Corporations Code Sections 25003, 25004 and 25241) Lisa Elaine McGu ire Accusati on to Bar Lisa Elai ne Unlawful Escrow Law McGuire from any Employ ment, Activ ity Palmdale, Ca lifornia Manage ment, or Control of any Escrow Agent (Financial Code S ection 17423) November 13, 2025 Eng Taing Desist and Refrai n Order Unlawful Offer and S ale of Touzi Capital, LL C Securit ies November 13, 2025 Walnut, California (Corporations Code Sections 25110 and 25401) Jorge Mario U ribe Desist and Refrai n Order Unlawful California Financ ing Park 49 I nc. dba L aw Activ ity Park 49 November 17, 2025 Park49.com (Financial Code S ection mar io@park 49.com 22100) jm u@park 49.com New York, New York 4

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Driven Es crow Serv ices, Inc. Accusation to Revoke Esc row Unlawful Escrow Law Anthony Baez Agent's License Activ ity Orange, California Accusation in Support of Order (Financial Code S ection s Barring Respondent from any 17423, 17608 and 17602.5) Position of Employme nt, Manage ment, or Control of any Escrow Agent November 18, 2025 Thermo Fi sher Finan cial Ser vices Inc. Consent Order Unlawful California Financ ing L aw Activ ity Walt ham, Mas sachuss etts November 20, 2025 (Financial Code S ection s 22712 and 22100) Toltec Ca pital L LC Desist and Refrai n Order Unlawful Offer and S ale of Bernardo Mend ia-Alcarez Securit ies November 25, 2025 San Francisco, Califor nia (Corporations Code Sections 25110 and 25401) 5

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Grow Escrow, I nc. Order Revoking Escrow Age nt's Unlawful Escrow Law Parham Zar Licens e Activ ity Beve rly Hills, California Order Barring Parham Zar from any (Financial Code S ection s Position of Employme nt, 17608 and 17423) Manage ment, or Control of any Escrow Agent November 26, 2025 NON-ENFORCEMENT ACT IONS VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Lam Securities Investments, Inc. Order Revoking I nvestment Adviser Unlawful I nvestment Adviser Certif icate of Lam Securi ties Activ ity San Francisco, Califor nia I nvestments, I nc. (Corporations Code Section November 12, 2025 25232.3) Capital Consultants, LL C Order Revoking I nvestment Adviser Unlawful I nvestment Adviser Certific ate of Ca pital Consultan ts, Activ ity Burbank, California LLC (Corporations Code Section November 12, 2025 25232.3) 6