Introduction In a move that could reshape the landscape of consumer financial protection, the Department of Justice (DOJ) under the Trump Administration has declared that the Consumer Financial Protection Bureau (CFPB) cannot legally access new funding from the Federal Reserve due to ongoing losses at
Every week, Anthony Geraci of Geraci LLP will dissect and create a guide for each state’s private lending laws to be used as the definitive guide for private lenders who lend in California. Anthony Geraci’s depth of experience will guide you through each’s state’s web
Regardless of what you may have heard from other business entities or what tactics were used to try to market new firms on Google, Geraci LLP is very much open and serving the private lending world as it always has. While the name has stayed
“Blue Sky Laws” are state-level securities regulations designed to protect investors from fraud and ensure fair dealing in the sale of securities. The term comes from a vivid metaphor: A Kansas judge in the early 1900s described fraudulent investment schemes as having “no more substance
In private lending, the strength of your deal is only as good as the documents backing it. Whether you’re originating a bridge loan, funding a fix-and-flip, or managing a construction draw, customized, enforceable loan documents are the cornerstone of your protection and profitability. At Geraci
The Private Lender’s Ultimate Guide to Usury in California: How to Navigate Usury is one of those legal landmines that most private lenders don’t think about—until it’s too late. California, like many states, has strict rules around how much interest can be charged on a
As private lending continues to grow across the U.S., many lenders are seeking efficient ways to launch or expand their lending operations without falling into regulatory pitfalls. A common question we hear at Geraci LLP is: Do I need a license to lend privately? The
Mergers and acquisitions in private lending present unique challenges distinct from traditional business combinations. Unlike conventional M&A transactions involving manufacturing companies or service businesses, lending platform acquisitions require specialized expertise in regulatory compliance, loan portfolio valuation, and operational integration of financial services infrastructure. The private
Every private lender claims to be “customer focused” or “relationship-oriented.” These phrases appear in marketing materials, conference presentations, and investor decks with remarkable consistency. Yet genuine customer-centric operations—the kind that create sustainable competitive advantages and loyal client bases—remain far rarer than the marketing rhetoric suggests.
