The Administrative Penalty and Hearing Cost Online Payment System (APHCOPS) can be used to pay most administrative penalties or hearing costs assessed by the Department online using a credit card.

Enforcement Actions – Definitions, Classification and Descriptions

Enforcement Action Description

Advertising Violation

Advertise for rates and terms unless they are actually available at the time of the advertisement.

Consumer Restitution Required

Paying money back to a loan borrower.

Criminal Conviction or Indictment

Order of revocation or suspension based on criminal conviction or indictment involving fraud, theft, or dishonesty.

Exam Deficiency

Examination rating resulting in Administrative Order to take action, pay consumer restitution and assessment of administrative penalty.

Exam Failure

Examination rating resulting in Cease and Desist Order to take action, pay consumer restitution and assessment of administrative penalty.

Exam Inadequacy

Examination rating resulting in Administrative Order to take action.

Failure to Comply with terms of Order/Agreed Order

(No description)

Failure to Cooperate or Respond

Failure to cooperate with or respond to an investigation or examination.

Failure to Respond

Failure to respond to an examination report.

Fraud

A false, misleading or deceptive act that one knew or should have known was false, misleading or deceptive.

Inadequate Disclosures

Required state or federal consumer disclosures do not meet minimum requirements.

License Denial Appeal

Appeal of a license application denial.

License Renewal Denial Appeal

Appeal of a license renewal application denial.

Misleading Practices

All issues dealing with misinformation, sometimes including issues of potential fraud.

Negligent Supervision/Failure to Supervise

Applies to a sponsoring mortgage broker whose loan officer and/or employee has violated or disregarded any of the provisions of the MBLAct or the Department’s Rules because the mortgage broker failed to supervise or negligently supervised.

Recovery Fund Payout

Order of Revocation issued based on Recovery Fund claim paid against broker.

Unlicensed Activity

Engaging in unlicensed activity or affiliating with an unlicensed individual.

Violation of State and/or Federal Law

(No description)

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