There is no private right of action to enforce Financial Code sections 22100 and 22751 which require licensure of consumer finance lenders. The statute provides only for administrative enforcement, and unlike the statute interpreted in Goehring v. Chapman Univ. (2004) 121 Cal.App.4th 353 does not require any refund be made to a borrower, instead providing for forfeiture of fees and interest by the unlicensed lender.