Hey Skins.
In the first menu where it gives you the choice of play now, there is a "features" menu. Go to rosters, edit rosters. On OSU click on the player and you can change everything about the player, including name, except for where they are from and what year they are in. Name, measurables, attributes, etc. can be changed there.
On penalties, there is a screen in the same section that will let you change the way the game is played...there are bars that let you slide up or down depending on how mcuh you want penalties enforced, in this case.
and by the way, if you are winning by that wide of a margin in Heisman and you are new to this game then you are definetely doing something right. I can't get those scores on All-American and I beat everyone I know, head to head.