ENEYDA ISABELA ZAMANIEGO (CRD #6312948) Has Regulatory and Criminal Disclosures on FINRA BrokerCheck

ENEYDA ISABELA ZAMANIEGO (CRD #6312948) is currently registered with PFS Investments Inc. We reviewed her BrokerCheck report on March 12, 2026. It reflects one regulatory event and one criminal disclosure. If you invested with Eneyda Zamaniego and have concerns, keep reading.

BrokerCheck link: BrokerCheck

BrokerCheck report: BrokerCheck Report (PDF)

Regulatory Actions

Eneyda Zamaniego’s FINRA BrokerCheck report reflects one regulatory disclosure. A summary of the matter is below:

On January 21, 2026, the State of California Commissioner of Financial Protection and Innovation initiated a regulatory action involving Eneyda Zamaniego. Her FINRA BrokerCheck report says the matter arose from her response to criminal disclosure question H-1 on a mortgage loan originator license application. BrokerCheck states the Commissioner found grounds to deny or condition the application because the response created doubt about her financial responsibility, character, and general fitness. The matter reached final status on January 22, 2026, and the reported sanction was a conditional license issued.

Criminal Charges

Eneyda Zamaniego’s FINRA BrokerCheck report also reflects one criminal disclosure. A summary of that matter is below:

On December 6, 2010, a criminal matter was reported in the Superior Court of California, Riverside County. Eneyda Zamaniego’s FINRA BrokerCheck report lists one misdemeanor charge for theft: personal property that resulted in a guilty plea and conviction. The report also lists one misdemeanor embezzlement charge that was dismissed. BrokerCheck shows a final status date of April 6, 2011, and states the sentence included 36 months of summary probation and a fine or cost order.

Rule Summary #1: FINRA Rule 2010 (Standards of Commercial Honor and Principles of Trade)

FINRA Rule 2010 requires member firms to observe high standards of commercial honor. Disclosures involving criminal conduct or regulatory concerns can raise questions about integrity and professional conduct.

Rule Summary #2: FINRA Rule 4530 (Reporting Requirements)

FINRA Rule 4530 requires firms to report certain criminal and regulatory events to FINRA. That reporting framework helps explain why events like these can appear in a BrokerCheck record.

Why This Matters to Investors (Regulation Best Interest)

Regulation Best Interest (Reg BI) is a U.S. securities regulation. It strengthens the standard of conduct that broker-dealers owe to retail investors. It applies when they recommend securities transactions or investment strategies. The U.S. Securities and Exchange Commission adopted Reg BI. It became effective on June 30, 2020. Reg BI aims to protect investors while preserving access to brokerage products and services.

Reg BI requires broker-dealers and financial advisors to act in a retail customer’s best interest at the time of a recommendation. They must not place their own financial or other interests ahead of the customer’s. This standard is higher than the older “suitability” rule. Suitability meant a recommendation only had to be appropriate. It did not have to be the best option or free of conflicts.

Reg BI has four key obligations:

Disclosure Obligation – Broker-dealers must disclose material facts about the relationship and the recommendation. This includes fees, the scope of services, and conflicts of interest.

Care Obligation – Broker-dealers must use reasonable diligence, care, and skill. They must consider costs, risks, and alternatives when making a recommendation.

Conflict of Interest Obligation – Firms must identify conflicts of interest. They must disclose them and mitigate or eliminate them. This includes conflicts that create incentives to favor one product over another.

Compliance Obligation – Firms must maintain policies and procedures. Those policies should be designed to ensure compliance with Reg BI as a whole.

Reg BI applies to each recommendation. It is not a continuous duty like the fiduciary standard for registered investment advisers. Even so, it narrows the gap. It puts more focus on costs, conflicts, and investor-focused decision-making.

Overall, Regulation Best Interest promotes transparency. It also aims to improve the quality of investment recommendations. It is designed to reinforce trust between retail investors and broker-dealers in the U.S. securities markets.

Background Information (from BrokerCheck)

Based on her FINRA BrokerCheck report, Eneyda Zamaniego:

Is currently registered with PFS Investments Inc.

Has passed the Securities Industry Essentials (SIE) exam. Eneyda Zamaniego has also passed Series 6TO, Series 26, and Series 63.

No prior securities firm registrations were reported on her BrokerCheck record.

Kurta Law Can Help

If you have worked with Eneyda Zamaniego and you have concerns about her activity, Kurta Law may be able to help you evaluate your legal options. A securities attorney can help you assess potential causes of action. To speak with Kurta Law, call 877-600-0098 or email info@kurtalawfirm.com.

Helpful resources: Securities Attorney | What is Securities Fraud

For nearly 20 years, Kurta Law has advocated for investors and helped hold financial professionals accountable. Our firm represents clients nationwide in securities arbitration and related disputes. If you believe a broker or firm mishandled your account, an attorney can review the facts and explain possible next steps.