ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND FINAL ORDER TO CEASE AND DESIST
|
|
- Samson McBride
- 8 years ago
- Views:
Transcription
1 ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * COFFEE HEAVEN, LLC * Case No and * JAMES JAY CUMMINGS, * Respondents. * * * * * * * * * * * * * * * * FINAL ORDER TO CEASE AND DESIST WHEREAS, the Securities Division of the Office of the Maryland Attorney General (the Division ), under the authority granted in Section of the Maryland Business Opportunities Sales Act, MD. BUS. REG. CODE ANN et seq. (2004 Repl. Vol. and 2005 Supp.) (the Business Opportunity Act ), instituted an investigation into the offer and sale of business opportunities by the Respondents Coffee Heaven, LLC and James Jay Cummings (collectively Respondents ); and WHEREAS, based on information presented by the Division, the Maryland Securities Commissioner (the Commissioner ) determined that the Respondents engaged and were about to engage in activities that violate the registration, disclosure and antifraud provisions of the Maryland Business Opportunity Act; and WHEREAS, on July 19, 2006, the Commissioner issued a Summary Order to Cease and Desist (the Summary Order ) against the Respondents ordering them to cease and desist from offering business opportunities in violation of the Business Opportunity Act; and WHEREAS, the Summary Order gave the Respondents notice of the opportunity for a
2 hearing in this matter, if requested in writing within fifteen (15) days of service, and further gave notice that if a Respondent did not request a hearing, the Commissioner would issue a final order: (1) directing that Respondent to cease and desist from violating the Business Opportunity Act; and (2) permanently barring that Respondents from the offer or sale of business opportunities in Maryland; and WHEREAS, the Respondents were served with a copy of the Summary Order on July 24, 2006; and WHEREAS, the Respondents have not filed an answer or requested a hearing in this matter, thereby knowingly waiving their respective rights to a hearing; NOW, THEREFORE, THE COMMISSIONER FINDS AND ORDERS: I. JURISDICTION 1. The Commissioner has jurisdiction in this proceeding and over Respondents under section of the Maryland Business Opportunity Act. II. RESPONDENTS 2. Coffee Heaven, LLC ( Coffee Heaven ) is a Florida limited liability company that offers business opportunities for a speciality office coffee service. 3. James Jay Cummings ( Cummings ) is or was a vice president of Coffee Heaven. At all times relevant to this proceeding, Cummings was engaged in the offer and sale of Coffee Heaven business opportunities in Maryland. III. FINDINGS OF FACT 4. Coffee Heaven offers its business opportunity through a number of Internet websites as well as its own website, 5. On its website and in promotional materials, Coffee Heaven refers to itself as a 2
3 franchise. 6. The Coffee Heaven business opportunity consists of: coffee vending equipment; branded coffee products, including Folgers and Maxwell House coffees; marketing assistance; training; and location services through an independent location company. 7. Coffee Heaven posts on its Internet website a disclosure document and other promotional materials. 8. Included on the Coffee Heaven website is a statement suggesting that one Coffee Heaven vending machine could generate gross profits of $2, a month or gross profits of $27,000 a year. The Coffee Heaven website also includes a statement that buyers can expect between 300% to 700% profit return. 9. According to the Coffee Heaven disclosure document, the estimated initial investment for a Coffee Heaven business opportunity is between $13,795 and $1,333, Coffee Heaven sold a business opportunity to at least one Maryland resident ( Maryland Buyer ) in January The Maryland Buyer paid a total of $30,600 to Coffee Heaven for his Coffee Heaven business opportunity. 11. Before buying the Coffee Heaven business opportunity, the Maryland Buyer spoke to Cummings, who identified himself as a vice president of Coffee Heaven. Cummings told the Maryland Buyer that if he purchased the Coffee Heaven business opportunity, he could expect his cost for a 16 ounce cup of coffee to be between 10 to 11 cents. Cummings sent the Maryland Buyer a spreadsheet indicating that he could sell that same cup of coffee for 50 cents. 12. The spreadsheet that Cummings sent the Maryland Buyer contained representations suggesting that the Maryland Buyer could realize a net income of more than $89,000 per year from his Coffee Heaven business opportunity. 3
4 13. Coffee Heaven referred the Maryland Buyer to a marketing consultant who traveled to Maryland in February 2006 and chose locations for the Maryland Buyer s coffee vending machines. The cost for finding locations was included in the Maryland Buyer s purchase price paid to Coffee Heaven. 14. In March 2006, the Maryland Buyer received a shipment of three Folgers Custom Café coffee vending machines. The machines were placed in locations chosen by the Coffee Heaven marketing consultant. 15. After operating his Coffee Heaven business opportunity for a short time, the Maryland Buyer discovered that his actual cost for one 16 ounce of coffee is approximately double the cost that Cummings estimated. 16. Based on the foregoing, Coffee Heaven offered and sold in Maryland a business opportunity as defined under (b) of the Maryland Business Opportunity Act. 17. Coffee Heaven has never been registered with the Division to offer or sell Coffee Heaven business opportunities in Maryland. 18. The Coffee Heaven disclosure document given to the Maryland Buyer does not contain all of the information required under the Maryland Business Opportunity Act. For example, the disclosure document does not include a financial statement for Coffee Heaven. 19. The Coffee Heaven disclosure document states that it makes no earnings representations or statement of actual, average, projected or forecasted sales, profits or earnings... In fact, Coffee Heaven does make earnings representations on its website, and Cummings made earnings representations to the Maryland Buyer. 20. Neither Coffee Heaven nor Cummings ever included documentation to substantiate the earnings representations made to the Maryland Buyer. 4
5 21. Neither Coffee Heaven nor Cummings ever disclosed to the Maryland Buyer that Coffee Heaven was required to register its business opportunity with the Securities Division. IV. CONCLUSIONS OF LAW The Commissioner concludes that: 22. Respondents Coffee Heaven, LLC and James Jay Cummings offered and sold business opportunities in violation of sections , , and of the Maryland Business Opportunity Act. V. SANCTIONS NOW, THEREFORE, the Commissioner finds it to be in the public interest to issue this Final Order, and IT IS HEREBY ORDERED, THAT: 23. Respondents Coffee Heaven, LLC and James Jay Cummings permanently cease and desist from violating the Business Opportunity Act. 24. Respondents Coffee Heaven, LLC and James Jay Cummings are permanently barred from the offer or sale of business opportunities in Maryland or to any Maryland residents. VI. JURISDICTION RETAINED 25. Jurisdiction is retained by the Commissioner for the purposes of enabling any party to this Final Order to apply for such further orders and directions as may be necessary or appropriate for the construction or enforcement of this Final Order. SO ORDERED: Dated :, 2006 MELANIE SENTER LUBIN SECURITIES COMMISSIONER 5
6 CERTIFICATE OF SERVICE I hereby certify that I have this day served the foregoing Final Order To Cease and Desist by causing a copy to be sent by United States Mail, prepaid, certified delivery, return receipt requested, addressed to: Coffee Heaven, LLC 412 Military Trail Deerfield Beach, FL 33442, and James Jay Cummings c/o Coffee Heaven, LLC 412 Military Trail Deerfield Beach, FL 33442; and by delivering a copy to Melanie Senter Lubin, Securities Commissioner, Maryland Division of Securities, 200 St. Paul Place Twenty-fifth Floor, Baltimore, Maryland Dated:, 2006 Dale E. Cantone Assistant Attorney General Maryland Division of Securities 200 St. Paul Place - 25th Floor Baltimore, Maryland (410)
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * SOLID AD SOLUTIONS, LLC, * and * Case No. 2010-0376 CHRISTOPHER LEWALLEN, * Respondents. * * * * * * * * * *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND FINAL ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * PRONTOWASH USA, LLC, * Case No. 2010-0055 Respondent. * * * * * * * * * * * * * * * FINAL ORDER WHEREAS, March
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND FINAL ORDER TO CEASE AND DESIST
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * FAMILY TREE DIGITAL VIDEO CORP., * Case No. 2008-0350 and * ROBBIE DON FRITZER, * Respondents. * * * * * *
More informationBEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * Our Town America, a Franchising Corporation, * Case No. 2006-0686 Respondent, * * * * * * * * * * * * * * CONSENT ORDER WHEREAS, the
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * CP Franchising, LLC * d/b/a Cruise Planners * Case No. 2011-0223 and * Michelle Fee * Respondents, * * * *
More informationCONSENT ORDER (As to Respondents North America Marketing, LLC and TM Multimedia Marketing, LLC)
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: North America Marketing and Associates, LLC, and Case No. 2010-0279 TM Multimedia Marketing, LLC, and Kimberly
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * * ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * The Greatest Virtual Office, LLC, * and * Sandra Kay Johnson, a.k.a. * Sandra Johnson Adaralegbe, * Respondents,
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * RMG Rehabilitation Management Group, LP * Case No. 2011-0462 Respondent * * * * * * * * * * * * * * * CONSENT
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * * CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * Cash Flow Capital, LLC * and * Brendan Gallagher, * Case No. 2012-0311 and * Elliott Clark, * Respondents, *
More informationin the bankruptcy proceeding; and that on July 9, 2012, Johnson s bankruptcy proceeding was
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * The Greatest Virtual Office, LLC, * and * Sandra Kay Johnson, a.k.a. * Sandra Johnson Adaralegbe, * Respondents,
More informationFINAL ORDER TO CEASE AND DESIST
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * BES ENTERPRISES, LLC, * d.b.a. FRANKLIN FINANCIAL, a.k.a. FRANKLIN FINANCIAL SOLUTIONS, * a.k.a. FRANKLIN FINANCIAL
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * Family Financial Centers, LLC, * Case No. 2008-0275 Respondent, * * * * * * * * * * * * * * CONSENT ORDER
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND. Respondent. * Case No. 2004-0466 * * * * * * * * * * * * * CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * IN THE MATTER OF: * GILES ENTERPRISES, INC. D.B.A CHESTER FRIED * Respondent. * Case No. 2004-0466 * * * * * * * * * * * * * CONSENT
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * * ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * BES ENTERPRISES, LLC, * d.b.a. FRANKLIN FINANCIAL, a.k.a. FRANKLIN FINANCIAL SOLUTIONS, * a.k.a. FRANKLIN FINANCIAL
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND In the Matter of: * REDRHINO, INC., * a.k.a. REDRHINO: The Epoxy Flooring Company * MICHAEL KENEALY, and Case Number 2015-0382 *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * OAH Case No. OAG-SD-50-35471 MARYLAND RETIREMENT SERVICES, * SD Case No. 2008-0179 INC. * Respondent. * * *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * ASIA PACIFIC ENERGY INC. * TRAVIS ARMSTRONG * GLOBAL PARTNERS CAPITAL * Securities Division No. 2007-0126 GERARD
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND FINAL ORDER TO CEASE & DESIST ORDER OF BAR
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * CASE NO. 2004-0550 MARTIN J. BEESON D/B/A * MID-ATLANTIC ESTATE PLANNING, INC.. * Respondent. * * * * FINAL
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND WOLVERINE ENERGY, L.L.C., * FILE NO. 2000-1065
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * WOLVERINE ENERGY, L.L.C., * FILE NO. 2000-1065 WOLVERINE ENERGY 1998-1999(A) * DEVELOPMENT COMPANY, L.L.C.,
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: CASE NO. 2003-0264 VIATICAL CAPITAL, INC. and VIATICAL FUNDING, INC. and VIATICAL FUNDING, L.L.C.: ##01, 02, 03,
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * Arnold M. Hecht * Case No. 2009-0304 Respondent. * * * * CONSENT ORDER WHEREAS, the Securities Division of the
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND. JOSEPH V. SMITH, * Case Number 2015-0156 * * * * * * * * * * * * * *
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND In the Matter of: * NY BAGEL ENTERPRISES, INC., * SMS, INC., * JOSEPH V. SMITH, * Case Number 2015-0156 DENNIS KENNETH MASON, *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * * ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * Dream Marketing and SEO, Inc. * and Case No. 2013-0331 * Michael Dies * Respondents. * * * * * * * * * * * *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND. PARIS G. MILLS * Case No. 2008-0384 ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * PARIS G. MILLS * Case No. 2008-0384 and * CREDIT SOLUTION AND FINANCIAL * SERVICES, INC. * Respondents. * *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * KEVIN T. FORRESTER D/B/A * Case No. 2007-0174 FORRESTER FINANCIAL GROUP * Respondent. * * * * * * * FINAL CONSENT
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * RANDY H. PACKETT * Case No. 2012-0292 and * CHESAPEAKE FINANCIAL * SOLUTIONS, LLC * Respondents. * * * CONSENT
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * FCE INVESTMENTS.COM, * FIRST CASH EXPRESS, INC. * (dba FIRSTCASHEXPRESS.com), * Securities Division No. 2007-0337
More informationSUMMARY ORDER TO CEASE AND DESIST ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * No. 2011-0128 BEATE M. BRANDL * Respondent. * * * * * * * * * * * * * * SUMMARY ORDER TO CEASE AND DESIST ORDER
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND * * * * * * * * * * * * * Consent Order
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * JOSEPH F. RINALDI * AND * Securities Docket No. 2004-0368 QUANTUM FINANCIAL * ADVISORS, INC. * Respondents *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * CASE NO. 2010-0308 AMERIPRISE FINANCIAL SERVICES, INC. * Respondent. * CONSENT ORDER WHEREAS, the Securities
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION ) ) ) ) ) ) ) CONSENT ORDER INTRODUCTION
1 1 1 IN THE MATTER OF DETERMINING whether there has been a violation of the Franchise Investment Protection Act of Washington by: Capital Business Consultants, L.L.C.; Capital Business Brokers, L.L.C.;
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * CASE NO. 2004-0551 FREEMAN OWEN * and * FINANCIAL SOURCES, INC. * Respondents. * * * * CONSENT ORDER WHEREAS,
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * MARK A. FULLER * CASE NO. 2008-0001 and * WEALTH MANAGEMENT AND * MARKETING LLC * Respondents. * * * * ORDER
More informationADMINISTRATIVE PROCEEDING BEFORE THE MARYLAND SECURITIES COMMISSIONER * * * * * * * * * * * * * CONSENT ORDER
ADMINISTRATIVE PROCEEDING BEFORE THE MARYLAND SECURITIES COMMISSIONER IN THE MATTER OF: * ROBERT BRUCE SANDO, * File No. 2000-0140 Respondent. * * * * * * * * * * * * * * CONSENT ORDER WHEREAS, the Maryland
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * * Ralph Edward Thomas, Jr. * Securities Docket No. 2011-0427 * Respondent * * * * * * * * * * * * * * ORDER
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * MATTHEW A. KRIMM * Case No. 2015-0120 and * KRIMM FINANCIAL SERVICES, LLC * and * ADAM DUSO * and * KAIROS CAPITAL
More informationMRSI International, Inc.; Michael C. Rabanne - S-07-273-12-CO01 - Consent Order
MRSI International, Inc.; Michael C. Rabanne - S-0---CO01 - Consent Order On February,, the entered into a Consent Order, S-0---CO01, with MRSI International, Inc. and Michael C. Rabanne (collectively
More informationADMINISTRATIVE PROCEEDING BEFORE THE MARYLAND SECURITIES COMMISSIONER * * * * * * * * * * * * * ORDER TO SHOW CAUSE
ADMINISTRATIVE PROCEEDING BEFORE THE MARYLAND SECURITIES COMMISSIONER IN THE MATTER OF: * Aurora Investment Management Group LLC * File No.: 2015-0069 and * Ronald F. McDonald III, CRD # 2385464 * Respondents
More informationTHE STATE OF WASHINGTON TO: DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING whether there has been a violation of the Securities Act of Washington by: CHARLES MCSWAIN; BILLIE
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF MARYLAND IN THE MATTER OF: * No. 2011-0106 KENNETH R. OGAN, JR. * and * OGAN FINANCIAL GROUP, INC. * D/B/A TRUE WEALTH MANAGEMENT * and *
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF SOUTH CAROLINA
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF SOUTH CAROLINA IN THE MATTER OF: ) ) ORDER TO CEASE AND DESIST Louis H. Rivas ) ) and ) File No. 08008 ) The FOREX Project, ) ) Respondents.
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION. Respondents. INTRODUCTION
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING whether there has been a violation of the Franchise Investment Protection Act of Washington by:
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION. Respondents. STATEMENT OF CHARGES
1 1 1 1 1 1 0 1 IN THE MATTER OF DETERMINING Whether there has been a violation of the Business Opportunity Fraud Act of the State of Washington by: Electronic Billing Systems, Inc.; Ronald Tupps; Robert
More informationBryant & Forum Financial Advisors - A Case Study
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING Whether there has been a violation of the Securities Act of Washington by: ARTHUR K. BRYANT; FORUM
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING Whether there has been a violation of the Securities Act of Washington by: IRA Resource Associates
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION ) ) ) ) ) ) ) ) ) ) ) FINDINGS OF FACT
1 1 1 IN THE MATTER OF DETERMINING whether there has been a violation of the Franchise Investment Protection Act of Washington by: RMG Rehabilitation Management Group, Limited Partnership d/b/a Osteoarthritis
More informationBEFORE THE DIRECTOR OF THE DEPARTMENT OF FINANCE OF THE STATE OF IDAHO. Docket No. 2012-9-03. Complainant, ORDER TO CEASE AND DESIST
LAWRENCE G. WASDEN Attorney General BRIAN D. NICHOLAS- I.S.B. #3585 Deputy Attorney General State ofldaho Department of Finance P.O. Box 83720 Boise, Idaho 83 720-0031 Telephone: (208) 332-8092 Facsimile:
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION ) ) ) ) ) ) ) ) ) ) INTRODUCTION
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING whether there has been a violation of the Securities Act of Washington by: Centurion Financial
More informationState of Missouri Office of Secretary of State
Case No. AP 10 11 IN THE MATTER OF: JAMES E. OTTO, Respondent. Serve James E. Otto at: 13425 W. 128th Street Overland Park, Kansas 66213 State of Missouri Office of Secretary of State CONSENT ORDER On
More informationIN THE MATTER OF BEFORE THE AMERICAN SALES COMPANY LLC STATE BOARD OF RESPONDENT-CORPORATION PHARMACY PERMIT NUMBER: D00162 CASE NO.
AMERICAN SALES COMPANY LLC STATE BOARD OF RESPONDENT-CORPORATION PHARMACY PERMIT NUMBER: D00162 CASE NO.: P1-14-212/14-612 D83/ 200133480.1.05 Violations and Penalties. Code Md. Regs. Tit. 10 34.22: $500,000.
More informationSTATE OF MISSOURI OFFICE OF SECRETARY OF STATE
STATE OF MISSOURI OFFICE OF SECRETARY OF STATE IN THE MATTER OF: ) Wallace Neal Jordan and Gundaker/Jordan ) American Holdings, Inc., ) ) Respondents. ) Case No. AP-15-07 Serve: ) ) Wallace Neal Jordan
More informationState of California - Department of Corporations
0 PRESTON DuFAUCHARD California Corporations Commissioner ALAN S. WEINGER (CA BAR NO. Acting Deputy Commissioner MARLOU de LUNA (CA BAR NO. Sr. Corporations Counsel West th Street, Ste. 0 Los Angeles,
More informationTHE STATE OF WASHINGTON TO: DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION SDO - 13-05
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING Whether there has been a violation of the Securities Act of Washington by: Pangea Petroleum Corp.,
More information14-12B-02. Registration requirements; surety of seller of health club services agreement
ANNOTTED CODE OF MARYLAND COMMERCIAL LAW TITLE 14. MISCELLANEOUS CONSUMER PROTECTION PROVISIONS SUBTITLE 12B. HEALTH CLUB SERVICES 14-12B-01. Definitions (a) In general. -- In this subtitle the following
More informationTHE STATE OF WASHINGTON TO: DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION ) ) ) ) ) ) ) ) ) Bart Sweazea Ray Valdez STATEMENT OF CHARGES
1 1 1 1 1 IN THE MATTER OF DETERMINING Whether there has been a violation of the Securities Act of Washington by: Pangean Energy, LLC; Bart Sweazea; Ray Valdez, STATE OF WASHINGTON DEPARTMENT OF FINANCIAL
More informationFINAL ORDER Effective: 07-29-08
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 07-29-08 In the Matter of the Nonresident Agency ) License of National Prearranged ) Docket No. 3911-SO Services, Inc.
More informationBEFORE THE ARIZONA CORP. :;it1 A ~ G
I 0 0 BEFORE THE ARIZONA CORP COMMISSIONERS GARY PIERCE, Chairman BOB STUMP SANDRA D. KENNEDY PAUL NEWMAN BRENDA BURNS :;it A ~ G Aizona Corporation Comml! t A : 0 DOCKET [ [n the matter of: ) DOCKET NO.
More informationSTATE OF MISSOURI OFFICE OF SECRETARY OF STATE
STATE OF MISSOURI OFFICE OF SECRETARY OF STATE IN THE MATTER OF: ) ) BRYANT GEORGE ROADIFER, ) ) Case No. AP-14-07 Respondent. ) ) Serve: Bryant George Roadifer ) 234 North 5 th Street ) Festus, Missouri
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF SOUTH CAROLINA
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF SOUTH CAROLINA IN THE MATTER OF: ORDER TO CEASE AND DESIST Ronald E. Satterfield, and Graham Street FOREX Group, LLC, File No. 09044 Respondents.
More informationCase 14-14770-BFK Doc 71 Filed 04/24/15 Entered 04/24/15 16:03:02 Desc Main Document Page 1 of 2
Case 14-14770-BFK Doc 71 Filed 04/24/15 Entered 04/24/15 16:03:02 Desc Main Document Page 1 of 2 UNITED STATES BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF VIRGINIA Alexandria Division In re: ) ) Pinkberry
More informationFORM MLOE-1. State of Maryland Office of the Attorney General Securities Division
FORM MLOE-1 State of Maryland Office of the Attorney General Securities Division NOTICE CLAIMING MARYLAND LIMITED OFFERING EXEMPTION (MLOE) Under The Maryland Securities Act Section 11-602(9) and Regulations
More informationSTATE OF MISSOURI OFFICE OF SECRETARY OF STATE
STATE OF MISSOURI OFFICE OF SECRETARY OF STATE IN THE MATTER OF: ) Case No. AP-15-22 ) W&M CAPITAL MANAGEMENT, LLC, CRD 166094; and ) HARRY ALLEN WARD, CRD 5614564, ) ) Respondents. ) CONSENT ORDER SUMMARY
More informationNOTICE OF REQUEST FOR COMMENTS REGARDING A PROPOSED FRANCHISE COMMENTARY ON FINANCIAL PERFORMANCE REPRESENTATIONS. October 1, 2015
NOTICE OF REQUEST FOR COMMENTS REGARDING A PROPOSED FRANCHISE COMMENTARY ON FINANCIAL PERFORMANCE REPRESENTATIONS October 1, 2015 NASAA s Franchise and Business Opportunity Project Group (the Franchise
More informationUNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION
UNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION SECURITIES ACT OF 1933 Release No. 8601 / August 4, 2005 ADMINISTRATIVE PROCEEDING File No. 3-12004 In the Matter of Respondent. UTAH
More informationBEFORE THE DIRECTOR OF THE DEPARTMENT OF CONSUMER AND BUSINESS SERVICES. Respondent.
STATE OF OREGON DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES MORTGAGE LENDING SECTION BEFORE THE DIRECTOR OF THE DEPARTMENT OF CONSUMER AND BUSINESS SERVICES
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING Whether there has been a violation of the Securities Act of the State of Washington by: LDS Securities,
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS. In the Matter of NAL Insurance ) Docket No. 3975-SO Agency )
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of NAL Insurance ) Docket No. 3975-SO Agency ) And In the Matter of Fred Styka ) Docket No. 3974 -SO FINAL ORDER NOW on this 2nd
More informationSTATE OF MISSOURI OFFICE OF SECRETARY OF STATE
STATE OF MISSOURI OFFICE OF SECRETARY OF STATE IN THE MATTER OF: ) ) MICHAEL J. BURKE; and ) SHANNON K. BURKE, ) ) Respondents. ) Case No. AP-15-32 ) Serve: Michael J. Burke ) 412 NW 23 rd St. ) Grand
More informationSTATE OF MICHIGAN DEPARTMENT OF LABOR & ECONOMIC GROWTH OFFICE OF FINANCIAL AND INSURANCE SERVICES
STATE OF MICHIGAN DEPARTMENT OF LABOR & ECONOMIC GROWTH OFFICE OF FINANCIAL AND INSURANCE SERVICES Before the Commissioner of the Office of Financial and Insurance Services In the matter of: Robert Smart
More informationIN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF OHIO
IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF OHIO UNITED STATES OF AMERICA Plaintiff, v. Civil No. 07-1221 DANIEL D. WEDDINGTON; JAMES R. EARL; MID-CON PETROLEUM, INC., AURORA CAPITAL
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Docket No. 3165-CO GREGORY M. STRAND ) CONSENT ORDER The Kansas Insurance
More informationm:exas tate erurities 1Joarb
DENISE VOIGT CRAWFORD SECURITIES COMMISSIONER BETH ANN BLACKWOOD CHAIR JOHN R MORGAN DEPUTY SECURITIES COMMISSIONER Mail: PO BOX 13167 AUSTIN, TEXAS 78711-3167 m:exas tate erurities 1Joarb BRYAN K. BROWN
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION ) ) ) ) ) ) ) )
1 1 1 IN THE MATTER OF DETERMINING Whether there has been a violation of the Franchise Investment Protection Act of Washington by: Silvino Patulot III; Insource Jobs, Inc., STATE OF WASHINGTON DEPARTMENT
More informationBEFORE THE COMMISSIONER OF INSURANCE
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of the Kansas Resident ) Insurance Agent s License of ) Frank Dean Barber ) NPN # 923632, ) The Kansas Resident Insurance Agency
More informationTHE STATE OF WASHINGTON TO: DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION. Rodney (Rod) Alain Carol Lawson
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING whether there has been a violation of the Securities Act of Washington by: WOODSTOCK SECURITIES,
More informationTHE STATE OF WASHINGTON TO: DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING Whether there has been a violation of the Business Opportunity Fraud Act of Washington by: Electronic
More informationOrmond Beach Brokerage Commission Program Non-Exclusive Open Listing Agreement
Ormond Beach Brokerage Commission Program Non-Exclusive Open Listing Agreement This agreement is made and entered into this day of, 20 by and between the CITY OF ORMOND BEACH, Florida, a body corporate
More informationCase 1:15-cv-00179-RDB Document 1 Filed 01/22/15 Page 1 of 14 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND BALTIMORE DIVISION
Case 1:15-cv-00179-RDB Document 1 Filed 01/22/15 Page 1 of 14 IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND BALTIMORE DIVISION CONSUMER FINANCIAL PROTECTION BUREAU 1700 G Street NW Washington,
More informationTHE STATE OF WASHINGTON TO: DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION
1 1 1 1 1 IN THE MATTER OF DETERMINING Whether there has been a violation of the Washington Franchise Investment Protection Act by: Galardi Group, Inc., Galardi Group Franchise Corp., Galardi Group Franchise
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS CONSENT ORDER
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of ) State Farm Mutual Automobile ) Docket No. 3594-CO Insurance Company ) CONSENT ORDER The Kansas Insurance Department ( KID
More informationWHEREAS, the Division has determined that evidence exists to support the following SECURITIES COMMISSIONER OF SOUTH CAROLINA IN THE MATTER OF:
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF SOUTH CAROLINA IN THE MATTER OF: John B. Kern, ORDER TO CEASE AND DESIST File No. 13077 Respondent. WHEREAS, the Securities Division of the
More informationUNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION
SECURITIES ACT OF 1933 Release No. 9752 / April 17, 2015 UNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION SECURITIES EXCHANGE ACT OF 1934 Release No. 74754 / April 17, 2015 INVESTMENT
More information) ) ) ) ) ) ) ) ) ) ) Case No.: 10-184 NOTICE OF ORDER TO CEASE AND DESIST ( ORDER )
1 1 Case No.: - In re the Matter of: State of New Hampshire Banking Department, Petitioner, Order to Cease and Desist and Assets Recovery Center, LLC (d/b/a Assets Recovery Center of Florida, Daniel Ferdinand
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS FINAL ORDER Effective: 04-22-09 the Kansas Resident ) Insurance Agent s License of ) Docket No. 3977--SO MICHAEL E. DAVIN ) NPN/License No. 4916356
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS ORDER TO CEASE AND DESIST
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of IVAN D. THOMPSON ) d/b/a THOMPSON SURETY COMPANY ) Docket No. 2929-SO and VIKING BAIL BONDS ) ORDER TO CEASE AND DESIST Pursuant
More informationBEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS
BEFORE THE COMMISSIONER OF INSURANCE OF THE STATE OF KANSAS In the Matter of National Association of Business Leadership Docket No. 4160-EO National Association of Business Leaders 4161-EO CEO Clubs Benefits
More informationMinnesota Appraisal Management Company License Application Required Forms
MINNESOTA DEPARTMENT OF COMMERCE 85 7th PLACE EAST, SUITE 500 ST. PAUL, MINNESOTA 55101 (651) 539-1599 Appraisal Management Company Application Required Forms Minnesota Statute 82C Minnesota Appraisal
More informationBEFORE THE DIVISION OF SECURITIES OF THE DEPARTMENT OF COMMERCE OF THE STATE OF UTAH
Division of Securities Utah Department of Commerce 160 East 300 South Box 146760 Salt Lake City, UT 84114-6760 Telephone: (801) 530-6600 FAX: (801) 530-6980 BEFORE THE DIVISION OF SECURITIES OF THE DEPARTMENT
More information208 E. 10th Street. 5th Floor Austin. Texas 78701-2407 www.ssb.state.tx.us DISCIPLINARY ORDER
DENISE VOIGT CRAWFORD SECURITIES COMMISSIONER DON A. RASCHKE DEPUTY SECURITIES COMMISSIONER Mail: P.O. BOX 13167 AUSTIN, TEXAS 7871 1-3167 Phone: (512)305-8300 Facsimile: (51 2)305-831 0 208 E. 10th Street.
More informationADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF SOUTH CAROLINA ) ) ) ) ) ) )
ADMINISTRATIVE PROCEEDING BEFORE THE SECURITIES COMMISSIONER OF SOUTH CAROLINA IN THE MATTER OF: Joel L. Gillespie, Thomas G. Carls, Carls Financial Group, Bridgewater, Inc. Respondents. ORDER TO CEASE
More informationSTATE OF OREGON DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES
STATE OF OREGON DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES In the Matter of: BEFORE THE DIRECTOR OF THE DEPARTMENT OF CONSUMER AND BUSINESS SERVICES FIDELITY
More informationTHE STATE OF WASHINGTON TO: DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING whether there has been a violation of the Securities Act of Washington by: ICON TRADING, INC.,
More informationUNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION
SECURITIES ACT OF 1933 Release No. 9274 / November 7, 2011 UNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION SECURITIES EXCHANGE ACT OF 1934 Release No. 65698 / November 7, 2011 INVESTMENT
More informationUNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION
UNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION INVESTMENT ADVISERS ACT OF 1940 Release No. 2633 / August 15, 2007 ADMINISTRATIVE PROCEEDING File No. 3-12724 In the Matter of Schultze
More informationSTATE OF ARKANSAS SECURITIES DEPARTMENT CEASE AND DESIST ORDER
STATE OF ARKANSAS SECURITIES DEPARTMENT IN THE MATTER OF ENERGY CONSULTANTS, MEL FIELDS, BILL MILLER, ARK-LA-TEX CONSULTING CO., L.L.C., EUGENE FARR, MICHAEL FARR and ALL PERSONS EMPLOYED BY OR OTHERWISE
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION SDO - 015-02
STATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION IN THE MATTER OF DETERMINING whether there has been a violation of the Securities Act of Washington by: JAY D. KAISER, SENIOR
More informationSTATE OF ILLINOIS DEPARTMENT OF FINANCIAL & PROFESSIONAL REGULATION DIVISION OF FINANCIAL INSTITUTIONS
STATE OF ILLINOIS DEPARTMENT OF FINANCIAL & PROFESSIONAL REGULATION DIVISION OF FINANCIAL INSTITUTIONS In the Matter of ) ) CareOne Services, Inc. ) No. 11 CC 338 ) TO: CareOne Services, Inc. Gordon Feinblatt
More informationUNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION
UNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION SECURITIES EXCHANGE ACT OF 1934 Release No. 69092 / March 8, 2013 INVESTMENT ADVISERS ACT OF 1940 Release No. 3564 / March 8, 2013
More informationSTATE OF WASHINGTON DEPARTMENT OF FINANCIAL INSTITUTIONS SECURITIES DIVISION INTRODUCTION
1 1 1 1 1 1 1 1 0 1 IN THE MATTER OF DETERMINING Whether there has been a violation of the Securities Act of Washington by: Chesterfield Mortgage Investors, Inc. and Charles M. Chesterfield, STATE OF WASHINGTON
More informationNebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193
45-189 Loan brokers; legislative findings. The Legislature finds that: Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193 (1) Many professional groups are presently licensed or
More information