Consumer Finance

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We handle the gamut of claims, including ones under
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TILA (15 USC 1601 et seq. & 12 CFR 226)

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HOEPA -Section 32 Loans (Home Ownership and Equity Protection Act)

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FRB December 2002 Amendments to HOEPA

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RESPA Real Estate Settlement Procedures Act 
(12 U.S.C. 26012617) 

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HUD Statement of Policy

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FDCPA (The Fair Debt Collection Practices Act)

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FCRA (Fair Credit Reporting Act)

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ECOA (Equal Credit Oportunity Act)

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FTCA (Federal Trade Commission Act)

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HMDA (Home Mortgage Disclosure Act)

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FHA (Fair Housing Act)

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Unfair Practices Act 
(Cal Bus & Prof Code 17200 et seq. and 17500 et seq.)

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Real Estate Law 
(Cal Bus & Prof Code 10000 et seq. & 10 C.C.R. C6 2700, et seq.).)

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California Finance Lenders Law 
(Cal Fin Code 22000 et seq. & 10 C.C.R. 1404, et seq.)

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Residential Mortgage Lending Act 
(Cal Fin Code 50000 et seq. & 10 C.C.R. 1950.003, et seq)

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Predatory Lending Law 
(Cal Fin Code 4970 et seq.)

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CLRA (Consumer Legal Remedies Act)
(CC 1750 et seq.)

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Contractors License Law 
(Cal Bus & Prof Code 7000 et seq. & C.C.R.  810 et seq.)

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Escrow Law 
(Cal Fin Code 17000 et seq. & 10 C.C.R. 1700, et seq)

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State privacy laws and the common law. 

bulletRead the DRE Real Estate Bulletins
bulletRead the DRE Mortgage Bulletins

 

We are currently assisting clients with cases under Home Improvement contractor abuses, RESPA concerning broker compensation, TILA, HOEPA, mortgage insurance and affiliate relationships; actions brought as a result of mortgage payoff-related charges being imposed; predatory lending disputes; and claims under fair lending laws. Many suits we litigate present groundbreaking issues with wide industry impact. We also have litigated lending practices in particular arenas, including pricing, loan origination, default management, bankruptcy (including reaffirmations), collections and loan foreclosure.

We regularly advise clients concerning their obligations under RESPA, and in particular the prohibitions contained in Section 8 of RESPA regarding kickbacks and referral fees. In this area, we have provided guidance related to the establishment of "controlled business arrangements" between providers of settlement services and affiliated entities; computerized loan origination; the payment of "yield spread premiums" and other forms of compensation to mortgage brokers.

We do more than litigate. In anticipation of potential litigation, we assist clients with internal investigations, responding to pre-suit demands and developing internal company procedures. 

 

 


 

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Copyright 2000 Law Offices of Anthony J. O'Farrill. 
Last modified: January 17, 2017

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