Petitioner: DEPARTMENT OF FINANCIAL SERVICES
Respondent: STEVEN GLYNN SCHRAMM
Judges: LISA SHEARER NELSON
Agency: Department of Financial Services
Locations: Lake City, Florida
Filed: Jan. 15, 2009
Status: Closed
Settled and/or Dismissed prior to entry of RO/FO on Wednesday, August 19, 2009.
Latest Update: Dec. 24, 2024
Jan 15 2009 16:23
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + S584o7r4ogr Jan. 15 2663 4:33PM P3
~ FILED
DEC 15 208
REPRESENTING Seereroo oy
ALEX SINK
CHIEF FINANCIAL OFFICER
STATE OF FLORIDA
IN THE MATTER OF:
CASE NO.; 98402-08-AG
STEVEN GLYNN SCHRAMM
ADMINISTRATIVE COMPLAINT
STEVEN GLYNN SCHRAMM
4370 Kings Way
Valdosta, GA 31602
You, STEVEN GLYNN SCHRAMM, license LD, # E092320, are hereby notified that
the Chief Financial Officer of the State of Florida has caused to be made an investigation of your
activities while licensed as an insurance agent in this state, as a result of which it is alleged:
GENERAL ALLEGATIONS
1, Pursuant to Chapter 626, Florida Statutes, you, STEVEN GLYNN SCHRAMM,
are currently licensed in this state as a nonresident life, health and variable annuity agent.
2. At all times pertinent to the dates and occurrences referred to herein, you,
STEVEN GLYNN SCHRAMM, were licensed in this slate as a nonresident life, health and
variable annuity agent.
3. Pursuant to Chapter 626, Florida Statutes, the Florida Department of Financial
Services (“Department”) has jurisdiction over your insurance licenses and appointments.
Jan 15 2009 16:23
FROM : DEPT OF FINANCIAL SERVICES FAs NO. 8564874987 Jan. 15 2689 @4:335PM P4
COUNT I
4, The above general allegations are hereby realleged and fully incorporated herein
by reference,
4. On or around March 1, 2006, you, STEVEN GLYNN SCHRAMM, met with E.B.
and C.B., of Lake City, Florida,
6. You, STEVEN GLYNN SCHRAMM, recommended that E.B. purchase annuities
with Midland National Life Insurance Company (“Midland”) and American Equity Investment:
Life Insurance Company (“American Equity”).
7, You, STEVEN GLYNN SCHRAMM, told E.B. and C.B. that the Midland
annuity you recommended to E.B. had a minimum guaranteed interest rate of six percent (6%).
8. You, STEVEN GLYNN SCHRAMM, told F.B, and C.B. that the American
Equity annuity you recommended to E.B. had a minimum guaranteed interest rate of six percent
(6%).
9, On March 1, 2006, you, STEVEN GLYNN SCHRAMM, sold E.B. two annuily
contracts with Midland, both in the amouni of $105,225.63, and one annuity contract with
American Equity, in the amount of $130,000.00.
10. The Midland annuity you recommended to E.B. had a minimum guaranteed
interest rate of three percent (3%).
Il. The American Lquity annuity you, STEVEN GLYNN SCHRAMM,
recommended to E.13. had a minimum guaranteed interest rate of three and a quarter percent
(3.25%) for the first year, and a minimum guaranteed interest rate of three percent (3%)
thereafter.
Jan 15 2009 16:24
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 2669 4:33PM PS
12. You, STEVEN GLYNN SCHRAMM, knew, or should have known, that the
Midland annuity that you recommended to E.B. had a minimum guaranteed interest rate of three
percent (3%),
13. You, STEVIUN GLYNN SCHRAMM, knew, or should have known, that the
American Equity annuity that you recommended to E.B. had a minimum guaranteed interest rate
of three and a quarter percent (3.25%) for the first year, and a minimum guaranteed interest rale
of three percent (3%) thereatier.
14, You, STEVEN GLYNN SCHRAMM, earned a commission on the sale of the
Midland and American Equity annuities to LB.
15. When E.B. received her first annual statement, she realized that the minimum
guaranteed interest rates were lower than what you, STEVEN GLYNN SCHRAMM, had
represented to her.
16. EB. then became dissatisfied with the Midland and American Equity annuities
that you, STEVEN GLYNN SCHRAMM, sold her, and sought a way out of the annuities.
17, The Midland armuity contained a significant surrender penalty; 20% of the
annuity’s value for the first and second years, decreasing incrementally thereafter for fourteen
years.
18. The American Equity annuity contained a significant surrender penalty; 20% of
the annuity’s value for the first year, decreasing incrementally thereafter for seventeen years.
19, Unable to absorb the surrender penalties associated with the annuities, E.B. has
been forced to keep ithe annuity.
Jan 15 2009 16:24
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 2669 84:34PM Pe
IT IS THEREFORE CHARGED that you, STEVEN GLYNN SCIIRAMM, have violated
of are accountable under one or more of the following provisions of the Florida Statutes or
Florida Administrative Code, which constitute grounds for the suspension or revocation of your
licenses as a Florida insurance agent:
(a) Demonstrated lack of fitness or trustworthiness to engage in the business of
insurance. [Section 626.611(7), Florida Statules];
(b) Demonstrated lack of reasonably adequate knowledge and technical competence
to engage in the transactions authorized by the license or appointment. [Section 626.611(8),
Florida Statutes];
(c) Fraudulent or dishonest practices in the conduct of business under the license or
appointment. [Section 626.611(9), Florida Statutes];
(d) In the conduct of business under the license or appointment, engaging in unfair
methods of competition or in unfair or deceptive acts or practices, as prohibited under part IX of
‘this chapter, or having otherwise shown himself or herself to be a source of loss to the public.
[Section 626.621(6), Florida Statutes]:
(e) Misrepresentations and false advertising of insurance policics.-- Knowingly
making, issuing, circulating, or causing to be made, issued, or circulated, any estimate,
illustration, circular, statement, sales presentation, omission, or comparison which:
1. Misrepresents the benefits, advantages, conditions, or terms of any insurance
policy. [Section 626,9541(1)(a)1, Florida Statutes];
(f) Misrepresentations in insurance applications.-- Knowingly making a false or
fraudulent written or oral staternent or representation on, or relative to, an application or
negotiation for an insurance policy for the purpose of obtaining a foc, commission, money, or
Jan 15 2009 16:24
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 2663 84:34PM Pr
other benefit from any insurer, agent, broker, or individual. [Section 626.9541(1)(k)1, Florida
Statutes];
(g)) Violation of any lawful order or rule of the department, [Section 626.621(3),
Florida Statutes];
(h) No advertising, sales literature, or sales presentation for contracts on a variable
basis shall be misleading, deceptive or inadequate in any way. [Rule 69B-162,010(3), Florida
Administrative Code];
qa If a life agent, violation of the code of ethics. [Section 626.621(9), Florida
Statutes |:
(j) The Business of Lite Insurance is hereby declared to be a public trust in which
service all agents of all companies have a common obligation to work together in serving the
best interests of the insuring public, by understanding and observing the laws governing Life
Insurance in letter and in spirit by presenting accurately and completely every fact essential to a
client’s decision, and by being fair in all relations with colleagues and competitors always
placing the policyholder’s interests first. [Rule 69B-215.210, Florida Administrative Code]; and
(k) No person shall make, issue, circulate, or cause to be made, issued, or circulated,
any estimate, circular, or statement misrepresenting the terms of any policy issued or to be issued
or the benefits or advantages promised thereby or the dividends or share of the surplus to be
received thereon, or make any false or misleading statement as to the dividends or share of
surplus previously paid on similar policies, or make any misleading representation or any
misrepresentation as (o the financial condition of any insurer, or as to the legal reserve system
upon which any life insurer operates, or use any name or title of any policy or class of policies
misrepresenting the true nature thereof, [Rule 69B-215.230(1), Florida Administrative Code].
Jan 15 2009 16:25
FROM = DEPT OF FINANCIAL SERVICES FAs NO. : 8564874987 Jan. 15 2669 4:34PM Pe
COUNT IL
20. The above general allegations are hereby realleged and fully incorporated herein
by reference.
21, On or around April 10, 2006, you, STEVEN GLYNN SCHRAMM, met with VJ.
and N.J., of Wellborn, llorida.
22, You, STEVEN GLYNN SCHRAMM, tecommended that V.J. purchase an
annuity with Midland,
23, You, STEVEN GILYNN SCHRAMM, told V.J. and N.J. that the Midland annuity
you recommended to V.J. had a minimum guaranteed interest rate of eight percent (8%),
24, . On April 10, 2006, you, STEVEN GLYNN SCIIRAMM, sold V.J, an annuity
contract with Midland, in the amount of $90,000,00,
25. The Midland atmuity you recommended to VJ. had a minimum guaranteed
interest rate of three pereent (3%).
26. You, STEVEN GILYNN SCHRAMM, knew, or should have known, that the
Midland annuity that you recommended to V.J. had a minimum guaranteed interest rate of three
percent (3%).
27, You, STEVEN GLYNN SCHRAMM, carned a commission on the sale of the
Midland annuity to V.J.
28, When Y.J, received his first annual statement, he realized that the minimum
guaranteed interest rate was lower than what you, STEVEN GLYNN SCHRAMM, had
represented to him.
29, Vil. then became dissatisfied with the Midland annuity that you, STEVEN
GLYNN SCHRAMM, sold him.
Jan 15 2009 16:25
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 2669 84:35PM Pg
30. The Midland annuity contained a significant surrender penalty, 20% of the
amnuity’s value for the first and second years, decreasing incrementally thereafter for fourteen
years.
31. Unable to absorb the surrender penalties associated with the annuities, V.J. has
been forced to keep the annuity.
IT 1S THEREFORE CHARGED that you, STEVEN GLYNN SCHRAMM, have violated
or arc accountable under one or more of the following provisions of the Florida Statutes or
Florida Administrative Code, which constitute grounds for the suspension or revocation of your
licenses as a Florida insurance agent:
(a) Demonstrated lack of fitness or trustworthiness to engage in the business of
insurance. [Section 626.611(7), llorida Statutes];
(b) Demonstrated lack of reasonably adequate knowledge and technical competence
to engage in the transactions authorized by the license or appointment. [Section 626.611(8),
Florida Statutes];
(c) Fraudulent or dishonest practices in the conduct of business under the license or
appointment. [Section 626.611(9), Florida Statutes];
(d) In the conduct of business under the license or appointment, cngaging in unfair
methods of competition or in unfair or deceptive acts or practices, as prohibited under part IX of
this chapter, or having otherwise shown himself or herself to be a source of loss to the public.
|Section 626,621(6), Florida Statutes];
(c) Misrepresentations and false advertising of insurance policies.-- Knowingly
making, issuing, circulating, or causing to be made, issued, or circulated, any estimate,
illustration, circular, statement, sales presentation, omission, or comparison which:
Jan 15 2009 16:25
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + S584o7r4ogr Jan. 15 2663 84:35PM Pla
1. Misrepresents the benefits, advantages, conditions, or terms of any insurance
policy. [Scction 626.9541(1)(a)L, Florida Statutes];
(f) Misrepresentations in insurance applications.-- Knowingly making a false or
fraudulent written or oral statement or representation ou, or relative to, an application or
negotiation for an insurance policy for the purpose of obtaining a fee, commission, money, or
other benefit from any insurer, agent, broker, or individual. [Section 626.9541(1)(k)1, Florida
Statutes};
(g) Violation of any lawful order or rule of the department. [Section 626.621(3),
Florida Statutes];
(h) No advertising, sales literature, or sales presentation for contracts on a variable
basis shall be misleading, deceptive or inadequate in any way. [Rule 69B-162.010(3), L'lorida
Administrative Code];
(i) Tf a life agent, violation of the code of ethics. [Section 626.621(9), Florida
Statutes];
(j) The Business of Life Insurance is hereby declared to be a public trust in which
service all agents of all companies have a common obligation to work together in serving the
best interests of the insuring public, by understanding and observing the laws governing Life
Insurance in Jetler and in spirit by presenting accurately and completely cvery fact essential to a
client’s decision, and by being fair im all relations with colleagues and competitors always
placing the policyholder’s interests first. [Rule 69B-215.210, Florida Administrative Code]; and
(k) No person shall make, issue, circulate, or cause to be made, issued, or circulated,
any estimate, circular, or statement misrepresenting the terms of any policy issued or to be issued
or the benefits or advantages promised thereby or the dividends or share of the surplus to be
Jan 15 2009 16:25
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + S584o7r4ogr Jan. 15 26689 @4:35PM Pil
received thereon, or make any false or mislcading statement as to the dividends or share of
surplus previously paid on similar policies, or make any misleading representation or any
misrepresentation as to the financial condition of any insurer, or as to the legal reserve system
upon which any life insurer operates, or use any name or title of any policy or class of policies
misrepresenting the true nature thereof. [Rule 69B-215.230(1), Florida Administrative Code].
COUNT IIT
32. The above general allegations are hereby realleged and fully incorporated herein
by reference.
33, On or around October 12, 2006, you, STEVEN GLYNN SCHRAMM, met with
A.H. and J.H., of High Springs, Florida.
34. You, STEVEN GLYNN SCHRAMM, recommended that A.H. purchase an
annuity with Allianz Life Insurance Company of North America (“Allianz”).
35, You, STEVEN GLYNN SCHRAMM, told A.H. and J.H. that the Allianz annuity
you recommended to A.H. had a minimum guaranteed interest rate of seven percent (7%).
36. On October 12, 2006, you, STEVEN GLYNN SCHRAMM, sold A.H. an annuity
contract with Allianz, in the amount of $64,943.80,
37. The Allianz annuity you recommended to A.H. had a minimum guaranteed
interest rate of three percent (3%).
38. You, STEVEN GLYNN SCHRAMM, knew, or should have known, that the
Allianz annuity that you recommended to A.H, had a minimum guaranteed interest rate of three
percent (3%).
39, You, STEVEN GLYNN SCHRAMM, expected to earn a commission on the sale
of the Allianz annuity to A.H.
Jan 15 2009 16:26
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + S584o7r4ogr Jan. 15 2663 84:35PM Pl2
40. A.HL. cancelled his purchase of the Allianz annuity while he could so without
incurring a penalty.
IT 18 THEREFORE CHARGED that you, STVEN GLYNN SCHRAMM, have violated
or are accountable under one or more of the following provisions of the Florida Statutes or
Florida Administrative Code, which constitute grounds for the suspension or revocation of your
licenses as a Florida insurance agent:
(a) Demonstrated lack of fitness or trustworthiness to engage in the business of
insurance. [Section 626.611(7), Mlorida Statutes];
(b) Demonstrated lack of reasonably adequate knowledge and technical competence
to engage in the transactions authorized by the license or appointment. [Section 626.611(8),
Florida Statutes];
(c) Fraudulent or dishonest practices in the conduct of business under the license or
appointment. [Section 626,611(9), Florida Statutes];
(d) In the conduct of business under the license or appointment, engaging in unfair
methods of competition or in unfair or deceptive acts or practices, as prohibited under part IX of
this chapter, or having otherwise shown himself or herself to be a source of loss to the public.
[Section 626,621(6), Florida Statutes];
(e) Misrcpresentations and false advertising of insurance policics.-- Knowingly
making, issuing, circulating, or causing to be made, issued, or circulated, any estimate,
illustration, circular, statement, sales presentation, omission, or comparison which:
1, Misrepresents the benefits, advantages, conditions, or terms of any insurance
policy. [Section 626,9541(L)(a)L, Florida Statutes];
Jan 15 2009 16:26
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 26683 @4:36PM P13
(f) Misrepresentations in insurance applications -- Knowingly making a false or
fraudulent written or oral statement or representation on, or relative to, an application or
negotiation for an insurance policy for the purpose of obtaining a fee, commission, money, of
other benefit from any insurer, agent, broker, or individual. |Scction 626.9541(1)(k)1, Florida
Statutes];
(g) Violation of any lawful order or rule of the department. [Section 626.621 (3),
Florida Statutes];
(h) No advertising, sales literature, or sales presentation for contracts on a variable
basis shall be misleading, deceptive or inadequate in any way. [Rule 69B-162.010(3), Florida
Administrative Code];
(68) If a life agent, violation of the code of cthics. [Section 626.621(9), Florida
Statutes];
G) ‘The Business of Life Insurance is hereby declared to be a public trust in which
service all agents of all companies have a common obligation to work together in serving the
best interests of the insuring public, by understanding and observing the laws governing Life
Insurance in letter and in spirit by presenting accurately and completely every fact essential to a
client’s decision, and by being fair in all relations with colleagues and competitors always
placing the policyholder’s interests first. [Rule 69B-215,21 0, Florida Administrative Code]; and
(k) No person shall make, issue, circulate, or cause to be made, issued, or circulated,
any estimate, circular, or statement misrepresenting the lerms of any policy issued of to be issued
or the benefits or advantages promised thereby or the dividends or share of the surplus to be
received thereon, or make any false or misleading statement as to the dividends or share of
surplus previously paid on similar policies, or make any misleading representation or any
11
Jan 15 2009 16:26
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 2663 @4:36PM P14
misrepresentation as to the financial condition of any insurer, or as to the legal reserve system
upon which any life insurer operates, or use any name or title of any policy ot class of policies
tisrepresenting the true nature thereof. (Rule 69B-215.230(1), Florida Administrative Code].
WIEREFORE, you, STEVEN GLYNN SCHRAMM, are hereby notified that the Chief
Financial Officer intends to enter an Order suspending or revoking your licenses and
appointments as an insurance agent or to impose such penalties as may be provided under the
provisions of Sections 626,611, 626.621, 626.681, 626.691, and 626.9521, Florida Statutes, and
under the other referenced sections of the Florida Statutes as set out in this Administrative
Complaint.
NOTICE OF RIGIITS
You have the right to request a proceeding to contest this action by the Department
pursuant to Sections 120.569 and 120.57, Florida Statutes, and Rule 28-106, Florida
Administrative Code, The procceding request must be in writing, signed by you, and must be
filed with the Department within twenty-one (21) days of your receipt of this notice. Completion
of the attached Election of Proceeding form and/or a petition for administrative hearing will
suffice as a wtilten request, The request must be filed with the General Counsel acting as the
Agency Clerk, at the Florida Department of Financial Services, 612 Larson Building, 200 East
Gaines Street, Tallahassee, Florida 32399-0333, Your written response must be received by the
Department no later than 5:00 p.m. on the twenty-first day after your receipt of this notice.
Mailing the response on the twenty-first day will not preserve your right to a hearing.
YOUR FAILURE TO RESPOND IN WRITING WITHIN
TWENTY-ONE (21) DAYS OF YOUR RECEIPT OF THIS
NOTICE WILL CONSTITUTE A WAIVER OF YOUR
RIGHT TO REQUEST A PROCEEDING ON THE
MATTERS ALLEGED HEREIN AND AN ORDER OF
Jan 15 2009 16:27
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 2663 4:37PM Pils
SUSPENSION OR REVOCATION WILL BE ENTERED
AGAINST YOU.
If you request a procecding, you must provide information that complies with the
requirements of Rule 28-106,2015, Florida Administrative Code. As noted above, completion of
the attached Election of Proceeding form conforms to these requirements, Specifically, your
response must contain:
(a) The name, address, and telephone number, and facsimile number (if any) of the
respondent (for the purpose of requesting a hearing in this matter, you are the "respondent".
(b) The namo, address, telephone number, facsimile number of the attorney or
qualified representative of the respondent (if any) upon whom service of pleadings and other
papers shall be made.
(c) . A statement requesting an administrative hearing identifying those material facts
that are in dispute. If there arc none, the petition must so indicate.
(d) A statement of when the respondent reccived notice of the administrative
complaint.
(c) A statement including the file number of the administrative complaint.
If a hearing of any type is requested, you have the right to be represented by counsel or
other qualified representative at your expense, to present evidence and argument, to call and
cross-examine witnesses, and to compel the attendance of witnesses and the production of
documents by subpoena.
Tf a proceeding is requested and there is no dispute of material fact, the provisions of
Section 120.57(2), Florida Statutes, apply, In this regard, you may submit oral or written
evidence.in opposition to the action taken by the Department or a written statement challenging
Jan 15 2009 16:27
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + 85845749? Jan. 15 2663 4:37PM P16
the grounds upon which the Department has telied, While a hearing is normally not required in
the absence ofa dispute of fact, if you feel that a hearing is necessary, one will be conducted in
Tallahassee, I‘lorida, or by telephonic conference call upon your request,
Ilowever, if you dispute material facts which are the basis for the Department’s action,
you must request an adversarial proceeding pursuant to Sections 120.569 and 120,57(1), Florida
Statutes. These proceedings are held before a State Administrative Law Judge of the Division of
Administrative Tearings. Unless the majority of witnesses are located clsewhere, the
Department will request that the hearing be conducted in Tallahassee, Florida.
Failure to follow the procedure outlined with regard to your response to this notice may
result in the request being denied. All prior oral communication or correspondence in this matter
shall be considered frecform agency action, and no such oral communication or correspondence
shall operate as a valid request for an administrative proceeding. .Any request for an
administrative proceeding received prior to the date of this notice shall be deemed abandoned
unless timely renewed in compliance with the puidclincs as set out above.
Mediation of this matter pursuant to Section 120.573, Florida Statutes, is not available.
No Department attorney will discuss this matter with you until the response has been received by
the Department.
DATED and SIGNED this _ LZ. Jed say of £2008.
Deputy Chief Financial Officer
Jan 15 2009 16:27
FROM :DEPT OF FINANCIAL SERVICES FAX NO. + S584o7r4ogr Jan. 15 2663 84:37PM PL?
CERTIFICATE OF SERVICE
I HEREBY CERVIFY that a true and correct copy of the foregoing ADMINISTRATIVE
COMPLAINT and ELECTION OF PROCEEDING has been furnished to. STEVEN GLYNN
OP at a Kings Way, Valdosta, GA 31602 by Certified Mail this _LSxk day of
2008.
Robert Alan Fox
Senior Attorney
Department of Financial Services
Division of Legal Services
612 Larson Building
200 East Gaines Street
Tallahassee, Florida 32399-0333
(850) 413-4106
15
Docket for Case No: 09-000235PL
Issue Date |
Proceedings |
Aug. 19, 2009 |
Order Closing File. CASE CLOSED.
|
Aug. 17, 2009 |
Petitioner's Motion to Close File and Relinquish Jurisdiction filed.
|
Aug. 11, 2009 |
Order Requiring Status Report (parties to advise of status by August 20, 2009).
|
Jul. 15, 2009 |
Report of the Parties filed.
|
Jun. 04, 2009 |
Order Granting Continuance and Placing Case in Abeyance (parties to advise status by July 15, 2009).
|
Jun. 03, 2009 |
(Respondent's) Stipulated Motion to Abate filed.
|
Apr. 22, 2009 |
Order Granting Continuance and Re-scheduling Hearing (hearing set for June 15 and 16, 2009; 10:00 a.m.; Lake City, FL).
|
Apr. 20, 2009 |
Respondent`s Stipulated Motion to Continue Final Hearing filed.
|
Mar. 30, 2009 |
Respondent Notice of Filing (6 subpoenas duces tecum) filed.
|
Mar. 26, 2009 |
Respondent`s Notice of Deposition Duces Tecum (of DFS) filed.
|
Feb. 23, 2009 |
Notice of Department of Financial Services` Additional Response to Respondent`s First Request for Production filed.
|
Feb. 23, 2009 |
Notice of Department of Financial Services` Response to Respondent`s Notice of Interrogatories filed.
|
Feb. 10, 2009 |
Respondent`s Notice of Filing Returns of Service filed.
|
Feb. 09, 2009 |
Order Denying Motion for Reconsideration.
|
Feb. 05, 2009 |
Respondent`s Notice of Subpoena Issuance filed.
|
Feb. 04, 2009 |
Respondent`s Motion for Reconsideration filed.
|
Feb. 03, 2009 |
Department of Financial Services` Response to Respondent`s First Request for Production filed.
|
Feb. 03, 2009 |
Notice of Department of Financial Services` Response to Respondent`s First Request for Production filed.
|
Feb. 02, 2009 |
Order of Pre-hearing Instructions.
|
Feb. 02, 2009 |
Notice of Hearing (hearing set for May 14 and 15, 2009; 10:00 a.m.; Lake City, FL).
|
Feb. 02, 2009 |
Respondent`s Response to Initial Scheduling Order filed.
|
Jan. 30, 2009 |
Department`s Response to Initial Order filed.
|
Jan. 16, 2009 |
Initial Order.
|
Jan. 15, 2009 |
Request for Formal Administrative Hearing filed.
|
Jan. 15, 2009 |
Administrative Complaint filed.
|
Jan. 15, 2009 |
Agency referral filed.
|