Nicolas,
Sorry to have wasted your time, this one turned out to be related to a ring group setting that the particular user was a part of. It was a big ring group so I didn't put two and two together and see that the "Ignore CF Settings" was checked for this ring group so the system was, in fact, operating the way it should. Once I turned this setting off, the user was able to transfer the call out of FOP2 and it obeyed the CF setting of the extension being transferred to.
Thanks for your help on this, I appreciate it very much!