MALICIOUS USE OF COMPANY NAME: UNA AMIGO LENDING CORPORATION

Commission Securities ana Exchange

BACONG PILIPINAS

FINANCING AND LENDING COMPANIES DEPARTMENT

IN THE MATTER OF: UNA AMIGO LENDING CORPORATION MALICIOUS USE OF COMPANY NAME Respondent. X FLCD CDO Case No. 0 CONSUMER PROTECTION ACT FOR: VIOLATION OF R.A. 9474 LENDING Series of 2025. COMPANY REGULATIONS ACT OF 2007 AND FINANCIAL PRODUCTS AND SERVICES

CEASEANDDESISTORDER

the requisite registration and Certificate of Authority from the Commission, in violation of applicable laws CORPORATION (hereinafter, the "Respondent") and the purported conduct of lending activities without and regulations. "Commission") regarding the alleged unauthorized use of the corporate name UNA AMIGO LENDING This Order pertains to information received by the Securities and Exchange Commission ("SEC" or Antecedents

operations and business reputation of UNA AMIGO LENDING CORPORATION. name and identity poses a clear and immediate risk to the investing public and undermines the lawful CORPORATION with SEC Registration No. 2021090024065-00 reporting the unauthorized and fraudulent use of its corporate name and identity by an unknown entity. The misuse of the complainant's corporate On 31 July 2025, the Commission received a complaint from UNA AMIGO LENDING

a side-by-side comparison of corporate registration records, scope and nature of business services, online and physical business presence, and internal governance. The documents provided indicate that the Respondent is unlawfully misrepresenting itself as UNA AMIGO LENDING CORPORATION and is operating a lending business without the appropriate license or authority from the Commission, specifically: discrepancies between its legally registered operations and those of the Respondent. This matrix includes In support of its allegations, the complainant submitted a comparative matrix identifying key

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ATM SALARY LOAN FASTHASSLE AIGO ERT DNG IO

oe NES

FAKE 2e WEBSITE REAL

UNA AMIGO LENDING G orp CORPORATION

2021 e TGN 0002406E00.0a1an

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FAKE SOORPORATECONTACT DETAILS REAL

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RE: Cease and Desist Order UNA AMIGO LENDING CORPORATION. Page2of5 Y-

DUNA AMIGO

FAKE A OFFICE INTERNAL SET UP REAL

UNA AMIGO LENDING CORPORATION aYCoi ATM SALARY FOR OURFACTORYWORKERS AAGO APPLY LOAN

ON

Vgt 992929 ATPROER AROO AMPANGA BATAAN

FAKE CORPORATE BRANDING REAL

LENDING CORPORATION UNAAMIGO AIgO LENDINGCORP

FAKE 1 CORPORATE LOGO REAL

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N m GERALD B.ORTE A BRANCH HEAD EOARGTIICT ID NOAL23

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FAKE COMPANY EMPLOYEE IDENTIFICATION REAL

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UNA AMIGO LENDING CORPORATION. RE: Cease and Desist Order Page3of5

0866

SSTUHSTEUE HRRDTIOOPEHAIEASALENDISGCOMPAN

FAKE DOCUMENTS CORPORATE REAL N

Issue

Republic Act No. 9474 (Lending Company Regulation Act of 2007) and the Financial Consumer Protection Act(FCPA) Whether a Cease and Desist Order should be issued against the Respondent for violation of

Ruling

warranted. The Commission finds that the issuance of a Cease and Desist Order against the Respondent is

a valid Certificate of Authority issued by the Commission. Section 4 of the Act expressly provides: Under the Lending Company Regulation Act (R.A. 9474), no lending company shall operate without

as a corporation. Provided that existing lending investors organized as single proprietorships or partnerships shall be disallowed from engaging in the business of granting loan to the public one year after the date of the effectivity of this act. "SEC. 4 Form of Organization - A lending company shall be established only

No lending company shall conduct business unless granted an authority to operate by the SEc".(Emphasis and underscoring supplied).

the business of a lending company, to wit: corporation and without a subsisting Certificate of Authority obtained from the Commission, engages The Lending Company Regulation Act penalizes any person who, without being registered

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Ja00401

CORPORATION UNA AMIGO LENDING RE: Cease and Desist Order

thatn fifty thousand pesos (P50,000) or imprisonment of not less than not more than ten (10) years or both at the discretion of the court, shall be imposed upon: SEC.12 Penalty. - A fine of not less that ten thousand pesos (P10,000) and not more n six months but

1. Any person who shall engage in the business of a lending company without a validly 2. The president, treasurer and other officers of the corporation, including the managing officer thereof, who shall knowingly and wittingly: subsisting authority to operate from the SEC.

validly subsisting authority to operate from the SEC; Engage in the business of a lending company without a

advertisement in whatever form,whether in the stationary commercial paper, or other document, or through other representations without authority; b Hold themselves out to be a lending company, either through

C Make use of trade or firm name containing the words lending give the public the impression that it is engaged in business of a lending company as defined in this Act without authority; and company or"lending investor"or any other designation that would

Violate the provisions of this act." (Emphasis supplied)

companies to effectively prevent and mitigate the commission of practices prejudicial to public interest, in Section 2 of the Lending Company Regulations Act to implement the policy of regulating lending thus: In relation to the lending business and industry, it bears emphasis that the Commission is mandated

do business." (Emphasis supplied) them as an additional source of credit, to prevent and mitigate as far as practicable, practices prejudicial to public interest; and to lay down the minimum requirements and standards under which they may be established and "SEC 2. Declaration of Policy - It is hereby declared the policy of the state to on a sound, efficient and stable condition to derive the optimum advantages from regulate the establishments of lending companies and to place their operation

lending business without the required license from the commission. should be penalized pursuant to the lending company regulation act because it engages in or carries out a of UNA AMIGO LENDING CORPORATION by the aforementioned entity constitutes a clear violation of, and On the basis of the foregoing, the Commission finds that the continued use of the corporate name

of 2023, which authorizes the Commission to issue a Cease and Desist Order (CD0) without prior hearing irreparable injury to financial consumers: if, in its judgment, the act or practice involves fraud or violation of the FCPA, or may cause grave or of the Financial Consumer Protection Act (FCPA),as implemented by Memorandum Circular No.05,Series Furthermore, to protect the public and uphold its mandate, the Commission invokes Section 6(d)(4)

Powers of the SEC "RULE 6

of these Rules and the provisions of the FCPA, have the following powers: Section 1. Powers of the Commission. -- The Commission shall, in the implementatic

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Page 5 of 5 UNA AMIGO LENDING RE: Cease and Desist Order CORPORATION.

D. Enforcement. The Commission shall have the authority to impose enforcement actions against financial service providers for noncompliance with the provisions of the FCPA, SEC FCPA IRR, and other existing laws pertinent to the jurisdiction and authority of the Commission.

Such enforcement actions may include the following:

Issuance of a cease and desist order ("CDO") to a financial service provider without the necessity of a prior hearing if, in the Commission's judgment, the act or practice, unless restrained, amounts to fraud or a violation of the provisions of the FCPA and/or the SEC FCPA IRR, or may unjustly cause grave or irreparable injury or prejudice to financial consumers. A CDO is immediately executory upon service or publication on the Commission's website. [Emphasis supplied]

issuance of a Cease and Desist Order is necessary not only to penalize the Respondent but also to prevent fraud, injury, or harm to the public and financial consumers. Given the Respondent's continued operation of the lending website the Commission finds the

related activity or transaction, whether online or offline, without the requisite registration and Certificate name UNA AMIGO LENDING CORPORATION, including its owners, operators, promoters,representatives, agents, and any and all persons claiming to act for and on its behalf, is hereby DIRECTED TO of Authority from the Securities and Exchange Commission, and from further misrepresenting itself as UNA AMIGO LENDING CORPORATION. IMMEDIATELY CEASE AND DESIST from engaging in, carrying out, promoting, or facilitating any lending- WHEREFORE, premises considered, the entity unlawfully and maliciously using the corporate

SO ORDERED

August 2025, Makati City.

Atty.Kenneth Joy A/Qufmio OIC-Director WMM

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