HAMPDEN – The hearing scheduled for today to consider the case of a Hampden woman accused of operating a mortgage business without state authority was canceled Monday after the woman entered a consent agreement with the Attorney General’s Office.

The hearing’s purpose was to determine whether Shellie Robinson or her company, Creative Financial Solutions, violated the provisions of the Maine Consumer Credit Code, according to David Stetson of the state Office of Consumer Credit Regulation.

Details of the agreement weren’t released Monday because the agreement was subject to final approval from William Lund, director of the Office of Consumer Credit Regulation.

Under state law, nonbank lenders must be licensed by, and brokers registered with, the state. Both are subject to state regulation and oversight.

In notices issued to Robinson last month, regulators cited allegations that Robinson acted as a supervised lender and as a credit services agency without state authority and failed to comply with the legal requirements for operating as either.

State officials looking into the matter said last week that, in general, those found in violation of the consumer credit code may be ordered to cease and desist the unlawful activity. The payment of costs also may be required. If warranted, the Attorney General’s Office could become involved.

The allegations stem from Robinson’s business dealings with Michelle Paquette and her partner, Tina Paquette, of Augusta.

The Paquettes, who have children ages 8, 11 and 13, signed a loan commitment agreement June 26 that had been prepared by Robinson for $85,000 at 8.25 percent interest over 360 months. The loan was to be used to buy a house in Augusta.

Assured by Robinson that the financing was in place, the Paquettes gave their landlord in Westbrook notice and began preparations to move.

After Robinson failed to show up twice for closings in July, it became clear to the Paquettes that there was no loan and that the family could not move into the house Robinson promised them. The family since has been homeless.

Stetson urged would-be homebuyers contemplating loans from nonbank lenders to check with the office or its Web site to ensure the lenders were authorized to do business in Maine.