California DFPI Enforcement Actions Summary - January 2026

CA DFPI Monthly Actions & Orders Summary

Filed January 8th, 2026

Detected February 21st, 2026

Summary

The California Department of Financial Protection and Innovation (DFPI) issued a summary of enforcement and non-enforcement actions taken in January 2026. These actions include citations, desist and refrain orders, consent orders, and accusations related to violations of financial laws, including mortgage lending and securities regulations.

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What changed

The California Department of Financial Protection and Innovation (DFPI) has released its summary of enforcement actions for January 2026. The document details various administrative and civil actions taken against individuals and entities for violations of California's financial laws, including the Mortgage Loan Originator License, California Financing Law, and securities regulations. Specific actions include citations, desist and refrain orders, consent orders, and accusations, with violations cited under various sections of the Financial Code and Corporations Code.

Regulated entities operating in California, particularly those involved in mortgage lending and securities, must review these actions to understand the DFPI's enforcement priorities and potential violations. While specific compliance deadlines are not detailed for these past actions, the document serves as a critical alert to maintain strict adherence to all applicable financial regulations to avoid similar enforcement measures, which can include license revocation and administrative penalties.

What to do next

Review January 2026 DFPI enforcement actions for potential relevance to business operations.
Ensure compliance with California Financial Code and Corporations Code sections cited in the document.
Update internal policies and procedures as necessary to prevent violations of mortgage lending and securities laws.

Penalties

The document mentions administrative penalties and license revocations as potential outcomes of violations, though specific fines are not detailed for each action in this 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 January 2026 ENFORCEMENT ACTI ONS VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Shane P atrick Fl eming II Citation and Desist and Refrain Mortgag e L oan Originator Ord er License Cleveland, Ohio January 8, 2026 (Financial Code S ection s 50002(d), 50320 and 50501.5) Andrew Christopher Johnson Citation and Desist and Refrain Mortgag e L oan Originator Ord er License Cleveland, Ohio January 8, 2026 (Financial Code S ection s 50002(d), 50320 and 50501.5) Zukre, I nc. Desist and Refrai n Order Unlawful Offer and S ale of Yone Aracely L opez-R ios ak a Securit ies Yonie Aracel i Lopez January 13, 2026 Yone A. L opez (Corporations Code Sections Yone A. Rios 25110 and 25401) Erwing J. Cuevas Diaz Cudahy, California 1

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Nexo C apit al Inc. Consent Order Unlawful California Financ ing L aw Activ ity Cayman I slands January 14, 2026 (Financial Code S ection 22100) Sinto Shield Desist and Refrai n Order and Notice Unlawful California Consumer of I ntent to I ssue Order L evy ing Financial Prot ection Law San Francisco, Califor nia Administrativ e Penaltie s Activ ity Plano, Tex as Lewisville, Texas January 16, 2026 (Financial Code S ection s Cando, North Dakota 90012 and 90015) Evergr een ATM, L L C dba Consent Order Unlawf ul Digita l Financ ial Getcoin s Assets L aw Activity January 16, 2026 Reno, Nevada (Financial Code S ection s 90015(d)(1), 90003(a) (1), 3902, 3904, 3905(a) and 3905(b)(1) and (8)) Ty ler William Pratt Order Deny ing Petition to V acate Unlawful Broker-Dealer Arbitra tion Awar d Activ ity L a Jolla, Califor nia January 17, 2026 (Corporations Code Sections 25003, 25004 and 25241) 2

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS ACM North, L LC Desist and Refrai n Order Unlawful Offer and S ale of Mark Anthony Sawy e r Securit ies January 20, 2026 Las Vegas, Nevada (Corporations Code Sections San Jose, California 25110 and 25401) Del Sur Corporation dba Accusati o n Unlawf ul California Residentia l Camin o Real M ortgage Bankers Mortgage Lending Act January 21, 2026 Activ ity Northridge, Califor nia (Financial Code S ection s 50120, 50123, 50130, 50200, 50307, 50307.2, 50326, 50401, 50327 and 50311) Yone Aracela Lopez- Rios aka Desist and Refrai n Order Unlawful Offer and S ale of Yonie Aracel i Lopez Securit ies Yone A. L opez January 26, 2026 Yone A. Rios (Corporations Code Sections Tequila L os Generales B.A.R., I nc. 25110 and 25401) L os Lope z Tequila B.A.R. & Spirits, I nc. Downey, California 3

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS L ending Buddy L LC Order Rescinding Final Order Unlawful California Financ ing Revoking L icense Pursuant to L aw Activ ity New York, New York Consent Order (Financial Code S ection January 27, 2026 22159) BWWP, LL C dba Amended Statement in Support of Unlawful I nvestment Adviser Boracchia W iviot t Weal th P artners LLC Order to Discontinue Violations Activ ity Lea L. W ivio tt Boracchi a Marc A. Boracchi a Amended Order to Disc ontinue (Corporations Code Section Violation s 25249) Palm Dese rt, Califor nia January 29, 2026 Superior L oan USA Desist and Refrai n Order Unlawful California Financ ing www.superiorloanus a L aw Activ ity January 30, 2026 San Francisco, Califor nia (Financial Code S ection 22100) Adam W ay n e Lancaster First Amended and Supplemental Mortgag e Loan Orig i nator Accusation to Revoke Mortg age License Chandler, Arizona L oan Originator L icense and to Bar Adam W ay n e Lancaster (Financial Code S ection s 50513(a)(1) and (a)(2) and January 30, 2026 50318(a)(1)) 4

NON-ENFORCEMENT ACT IONS VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Amend Finance, L LC Notice of I ntent to Issue an Orde r Unlawful California Consumer Assessing Administrative Pena lties; Financial Prot ection Law San Diego, California Statement in Support Activ ity January 5, 2026 (Financial Code S ection s 90012(c) and 90015(c)) Order Summarily Revoking Covered Person Reg istration(s) (Code of Regulations for Non-Pay ment of an Annual title 10, section 1040(d)) Registr ation Fe e January 16, 2026 American Advanta ge Debt Consolidation I nc. Notice of Inte nt to Issue a n Order Unlawful California Consumer Assessing Administrative Pena lties; Financial Prot ection Law Anaheim H ills, Californ ia Statement in Support Activ ity January 5, 2026 (Financial Code S ection s 90012(c) and 90015(c)) Order Summarily Revoking Covered Person Reg istration(s) (Code of Regulations for Non-Pay ment of an Annual title 10, section 1040(d)) Registr ation Fe e January 16, 2026 5

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Omega Debt R elief, Inc. Notice of I ntent to Issue an Orde r Unlawful California Consumer Assessing Administrative Pena lties; Financial Prot ection Law L aguna Nig uel, California Statement in Support Activ ity January 5, 2026 (Financial Code S ection s 90012(c) and 90015(c)) Order Summarily Revoking Covered Person Reg istration(s) (Code of Regulations for Non-Pay ment of an Annual title 10, section 1040(d)) Registr ation Fe e January 16, 2026 Thunderbird Collection Specialists, I nc. Notice of I ntent to Issue an Orde r Unlawful California Consumer Assessing Administrative Pena lties; Financial Prot ection Law Scottsdale, Arizona Statement in Support Ac tiv ity Order Summarily Revoking (Financial Code S ection s Covered Person Reg istration(s) 90012(c) and 90015(c)) for Non-Pay ment of an Annual Registr ation Fe e (Code of Regulations title 10, section 1040(d)) January 7, 2026 6

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS American R evenue M anagement Notice of I ntent to Issue an Orde r Unlawf ul Debt Collec tion Assessing Administrative Pena lties; L icense A ct Activity Oakland, California Statement in Support (Financial Code S ection s Order Summarily Revoking Debt 90012(b) and (c), 90015(c) and Collection L icensing Act L icense 100020(d)) January 7, 2026 Final Or der Asse ssing Administrative Penalt i es January 26, 2026 RockI tCoin, LL C Consent Order Unlawf ul Digita l Financ ial Assets L aw Activity Chicago, I llinois January 13, 2026 (Financial Code S ection s 3403(a)(1), 3902 and 3407) Alicia Ca stro Ramire z Consent Order Granting Conditional Mortgag e L oan Originator M LO Li c e n s e License Granite Bay, Californ ia January 20, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) 7

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Daniel R ichard Fred erick Consent Order Granting Conditional Mortgag e L oan Originator M LO Li c e n s e License L ake Forest, California January 21, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Uriah John Edward Molle Consent Order Granting C onditional Mortgag e L oan Originator M LO Li c e n s e License I rvine, California January 21, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) L arry Lorenzo Nickson Consent Order Granting Conditional Mortgag e L oan Originator M LO Li c e n s e License Cleveland, Ohio January 21, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Eneyda I sab ela Zamaniego Consent Order Granting Conditional Mortgag e L oan Originator M LO Li c e n s e License Riverside, California January 21, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) 8

VIOLATIO NS & SUBJECT ACTION CHARGING SECTIONS Eduardo Perez Consent Order Granting Conditional Mortgag e L oan Originator M LO Li c e n s e License L ake Forest, California January 21, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Ramon Ortiz Consent Order Granting Conditional Mortgag e L oan Originator M LO Li c e n s e License Clovis, California January 23, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Kay S Lee Consent Order Granting Conditional Mortgag e L oan Originator M LO Li c e n s e License San Jose, California January 27, 2026 (Financial Code S ection s 50141, 50144, 22109.1 and 22109.4) Coinme Inc. C onsent Order Unlawf ul Digita l Financ ial Assets L aw Activity Seattle, Was hington J anuary 30, 2026 (Financial Code S ection s 3403(a)(1), 3904 and 3905(b)(1) and 3407) 9