Fla. Admin. Code R. 69V-85.111 – Disciplinary Guidelines

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.

Rulemaking Authority 520.994(5) FS. Law Implemented 520.03, 520.07, 520.08, 520.085, 520.09, 520.10, 520.125, 520.32, 520.34, 520.345, 520.35, 520.351, 520.36, 520.37, 520.52, 520.63, 520.69, 520.70, 520.71, 520.72, 520.73, 520.74, 520.76, 520.78, 520.785, 520.79, 520.80, 520.81, 520.82, 520.83, 520.84, 520.85, 520.86, 520.87, 520.88, 520.90, 520.91, 520.92, 520.995, 520.997 FS. History–New 3-20-91, Formerly 3D-85.111.