Chapter 560 money-services audits, Chapter 494 mortgage-business filings, OFR examination preparation, and the regulator-required financial statement audits for Florida-licensed financial-services entities.
Florida licensees under Chapter 560 face a calendar that many newer operators underestimate: GAAP-audited financial statements within 120 days of fiscal year-end, plus quarterly reports and OFR exams.
Read postFlorida Chapter 560 licensees must file GAAP-audited financial statements with the Office of Financial Regulation within 120 days of fiscal year-end, alongside quarterly reporting obligations and the OFR examination cycle. Planning the engagement around that 120-day window is essential.
Chapter 494 mortgage licensees face their own financial reporting and net-worth requirements with the OFR. The right level of CPA engagement depends on the license type and the specific filing the regulator requires.
A financial statement audit is not a substitute for a BSA/AML examination, but the engagement considers how AML program controls intersect with financial reporting and the exposure the examination cycle creates. Coordinating the two timelines avoids surprises.
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