Florida Administrative Code › 69 - DEPARTMENT OF FINANCIAL SERVICES › 69V - Finance › Chapter 69V-85 - RETAIL INSTALLMENT SALES ACT - GENERAL RULES › Section 69V-85.111 - Disciplinary Guidelines

Current through Reg. 50, No. 138; July 16, 2024
Pursuant to section
				  520.995(2),
				  F.S., listed below is a range of disciplinary guidelines from which
				  disciplinary penalties will be imposed upon persons guilty of violating chapter
				  520, F.S. The disciplinary guidelines are based upon a single-act violation of
				  each provision listed. Multiple acts of the violated provisions or a
				  combination of violations may result in a higher penalty than that for a
				  single, isolated violation. For purposes of this rule, the order of penalties,
				  ranging from lowest to highest, is: reprimand, fine, probation, suspension, and
				  revocation. Nothing in this rule shall preclude any discipline imposed upon a
				  person pursuant to a stipulation or settlement agreement, nor shall the ranges
				  of penalties set forth in this rule preclude the Office of Financial Regulation
				  from issuing a letter of guidance when appropriate.
(1) As provided in section
				520.995(2)(c),
				F.S., the Office of Financial Regulation may, in addition to other disciplinary
				penalties, place a licensee or applicant for a license on probation. The
				placement of the licensee or applicant for a license on probation shall be for
				such a period of time and subject to such conditions as the Office of Financial
				Regulation may specify.
(2) The
				minimum penalty for below listed sections is a reprimand and/or a fine up to
				$1,000.00 per act or separate offense. The maximum penalties are as listed:
(a) Section
							 520.03(4),
							 F.S.
-
Reprimand
(b) Section
							 520.03(6),
							 F.S.
-
Reprimand
(c) Section
							 520.07(1),
							 F.S.
-
Probation
(d) Section
							 520.07(2),
							 F.S.
-
Probation
(e) Section
							 520.07(3),
							 F.S.
-
Probation
(f) Section
							 520.07(4),
							 F.S.
-
Probation
(g) Section
							 520.07(5),
							 F.S.
-
Probation
(h) Section
							 520.07(6),
							 F.S.
-
Probation
(i) Section
							 520.07(7),
							 F.S.
-
Probation
(j) Section
							 520.07(8),
							 F.S.
-
Reprimand
(k) Section
							 520.08(1),
							 F.S.
-
Probation
(l) Section
							 520.08(2),
							 F.S.
-
Probation
(m) Section
							 520.08(3),
							 F.S.
-
Probation
(n) Section
							 520.085, F.S.
-
Probation
(o) Section
							 520.09, F.S.
-
Probation
(p) Section
							 520.10, F.S.
-
Probation
(q) Section
							 520.125(1),
							 F.S.
-
Probation
(r) Section
							 520.125(2),
							 F.S.
-
Probation
(s) Section
							 520.125(3),
							 F.S.
-
Probation
(t) Section
							 520.125(4),
							 F.S.
-
Probation
(u) Section
							 520.125(5),
							 F.S.
-
Probation
(v) Section
							 520.125(6),
							 F.S.
-
Probation
(w) Section
							 520.125(9),
							 F.S.
-
Probation
(x) Section
							 520.125(10),
							 F.S.
-
Probation
(y) Section
							 520.32(4),
							 F.S.
-
Reprimand
(z) Section
							 520.32(6),
							 F.S.
-
Reprimand
(aa) Section
							 520.34(1),
							 F.S.
-
Probation
(bb) Section
							 520.34(2),
							 F.S.
-
Probation
(cc) Section
							 520.34(3),
							 F.S.
-
Probation
(dd) Section
							 520.34(4),
							 F.S.
-
Probation
(ee) Section
							 520.34(5),
							 F.S.
-
Probation
(ff) Section
							 520.34(6),
							 F.S.
-
Probation
(gg) Section
							 520.34(7),
							 F.S.
-
Probation
(hh) Section
							 520.34(8),
							 F.S.
-
Probation
(ii) Section
							 520.34(9),
							 F.S.
-
Probation
(jj) Section
							 520.34(10),
							 F.S.
-
Probation
(kk) Section
							 520.34(11),
							 F.S.
-
Probation
(ll) Section
							 520.34(12),
							 F.S.
-
Probation
(mm) Section
							 520.345, F.S.
-
Probation
(nn) Section
							 520.35, F.S.
-
Probation
(oo) Section
							 520.351, F.S.
-
Probation
(pp) Section
							 520.36, F.S.
-
Probation
(qq) Section
							 520.37, F.S.
-
Probation
(rr) Section
							 520.52(4),
							 F.S.
-
Reprimand
(ss) Section
							 520.52(6),
							 F.S.
-
Reprimand
(tt) Section
							 520.63(4),
							 F.S.
-
Reprimand
(uu) Section
							 520.63(6),
							 F.S.
-
Reprimand
(vv) Section
							 520.69(1),
							 F.S.
-
Probation
(ww) Section
							 520.70, F.S.
-
Probation
(xx) Section
							 520.71, F.S.
-
Reprimand
(yy) Section
							 520.72, F.S.
-
Suspension
(zz) Section
							 520.73(1),
							 F.S.
-
Probation
(aaa) Section
							 520.73(2),
							 F.S.
-
Probation
(bbb) Section
							 520.73(3),
							 F.S.
-
Probation
(ccc) Section
							 520.73(4),
							 F.S.
-
Probation
(ddd) Section
							 520.73(5),
							 F.S.
-
Probation
(eee) Section
							 520.73(6),
							 F.S.
-
Probation
(fff) Section
							 520.74, F.S.
-
Probation
(ggg) Section
							 520.76, F.S.
-
Probation
(hhh) Section
							 520.78, F.S.
-
Probation
(iii) Section
							 520.785, F.S.
-
Probation
(jjj) Section
							 520.79, F.S.
-
Probation
(kkk) Section
							 520.80, F.S.
-
Suspension
(lll) Section
							 520.81, F.S.
-
Suspension
(mmm) Section
							 520.82, F.S.
-
Reprimand
(nnn) Section
							 520.83, F.S.
-
Probation
(ooo) Section
							 520.84, F.S.
-
Probation
(ppp) Section
							 520.85, F.S.
-
Probation
(qqq) Section
							 520.86, F.S.
-
Probation
(rrr) Section
							 520.87, F.S.
-
Reprimand
(sss) Section
							 520.88, F.S.
-
Probation
(ttt) Section
							 520.90, F.S.
-
Revocation
(uuu) Section
							 520.91, F.S.
-
Revocation
(vvv) Section
							 520.92, F.S.
-
Probation
(www) Section
							 520.995(1)(b),
							 F.S.
-
Revocation
(xxx) Section
							 520.995(1)(c),
							 F.S.
-
Revocation
(yyy) Section
							 520.995(1)(d),
							 F.S.
-
Revocation
(zzz) Section
							 520.995(1)(e),
							 F.S.
-
Revocation
(aaaa) Section
							 520.995(1)(f),
							 F.S.
-
Revocation
(bbbb) Section
							 520.995(1)(g),
							 F.S.
-
Revocation
(cccc) Section
							 520.995(1)(h),
							 F.S.
-
Revocation
(dddd) Section
							 520.995(3),
							 F.S.
-
Revocation
(eeee) Section
							 520.997(1),
							 F.S.
-
Revocation
(ffff) Section
							 520.997(2),
							 F.S.
-
Reprimand
(gggg) Section
							 520.997(3),
							 F.S.
-
Revocation
(3)
(a) In the presence of aggravating or
				mitigating circumstances supported by clear and convincing evidence the Office
				of Financial Regulation shall be entitled to deviate from the above guidelines
				in imposing discipline upon a person.
(b) Aggravating or mitigating circumstances
				may include, but are not limited to, the following:
1. The severity of the act.
2. The degree of harm to the consumer or
				public.
3. The number of times the
				acts previously have been committed by the person.
4. The disciplinary history of the
				person.
5. The status of the person
				at the time the act was committed.