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What a Weakened CFPB Actually Means for PrivateLenders
Hint: It’s not the regulatory holiday you’re hoping for. The CFPB Is Weakened. So What? Most private lenders think the CFPB’s troubles are someone else’s problem. After all, we make business-purpose loans. We don’t deal with consumers. The CFPB regulates consumer finance, and we’re not in consumer finance. That logic...
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By Anthony Geraci, Esq. | Founder, Geraci LLP Published: March 2021 | Updated: January 2025 Private lenders who originate business-purpose real estate loans inevitably confront ...
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Published: October 2023 Updated for 2025 Lending Environment When a borrower stops making payments, private lenders face a critical decision point. The difference between recovering ...
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Executive Summary Construction lending presents uniquely complex risks that extend far beyond traditional real estate finance. Unlike stabilized property loans where collateral value is immediately ...
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Published: 2021 Updated for 2025 Regulatory Environment The most preventable regulatory violations facing California private lenders stem from a single source: failing to submit required ...
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Updated for 2025 When extraordinary circumstances disrupt contractual performance—whether through natural disasters, economic crises, regulatory changes, or global events—parties quickly discover whether their agreements anticipated ...
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Executive Summary Even in robust real estate markets, lenders occasionally face scenarios where foreclosure sale proceeds fail to satisfy outstanding loan balances. Whether due to ...
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Executive Summary Obtaining a California Finance Lender (CFL) license is merely the beginning of an ongoing compliance relationship with the California Department of Financial Protection ...
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Executive Summary Anti-Money Laundering (AML) compliance has evolved from a banking sector concern to a comprehensive regulatory framework affecting all financial services providers—including private lenders. ...
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Executive Summary Gap closings—real estate transactions where significant time elapses between document execution/fund disbursement and official recording—have transitioned from exceptional accommodations to standard operating procedure ...
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Executive Summary California mortgage brokers operating under DRE licensure face complex reporting obligations that many firms inadvertently violate. Understanding whether your brokerage triggers threshold or ...