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2. California Department of Financial Protection and Innovation

   en.wikipedia.org/wiki/California_Department_of...

   The department operates under the California Business, Consumer Services and Housing Agency. The DFPI protects California consumers and oversees the operations of state-licensed financial institutions, including banks, credit unions, debt collectors, nonbank mortgage lenders, student loan servicers, money transmitters, and others. Additionally ...

3. Equity stripping - Wikipedia

   en.wikipedia.org/wiki/Equity_stripping

   Additionally, some do consider equity stripping, in essence, a form of predatory lending since the scam works essentially like a high-cost and risky refinancing. Equity stripping, however, is conducted almost always by local agents and investors, while traditional predatory lending is carried out by large banks or national companies.

4. Predatory lending - Wikipedia

   en.wikipedia.org/wiki/Predatory_lending

   Predatory lending refers to unethical practices conducted by lending organizations during a loan origination process that are unfair, deceptive, or fraudulent. While there are no internationally agreed legal definitions for predatory lending, a 2006 audit report from the office of inspector general of the US Federal Deposit Insurance Corporation (FDIC) broadly defines predatory lending as ...

5. Truth in Lending Act - Wikipedia

   en.wikipedia.org/wiki/Truth_in_Lending_Act

   The Truth in Lending Act was originally Title I of the Consumer Credit Protection Act, Pub. L. 90–321, 82 Stat. 146, enacted May 29, 1968. [2] The regulations implementing the statute, which are known as "Regulation Z", are codified at 12 CFR 226. Most of the specific requirements imposed by TILA are found in Regulation Z, so a reference to ...

6. Impossibly high home prices are ‘feudalizing’ California as ...

   www.aol.com/finance/impossibly-high-home-price...

   The report pointed out that all of the "impossibly unaffordable" cities follow urban planning policies favoring more density, and recommended that cities open up the availability of land to reduce ...

7. HUD-1 Settlement Statement - Wikipedia

   en.wikipedia.org/wiki/HUD-1_Settlement_Statement

   The HUD-1 Settlement Statement is a standardized mortgage lending form in use in the United States of America on which creditors or their closing agents itemize all charges imposed on buyers and sellers in consumer credit mortgage transactions. The HUD-1 (or a similar variant called the HUD-1A) is used primarily for reverse mortgages and ...

8. Complaint - Wikipedia

   en.wikipedia.org/wiki/Complaint

   In legal terminology, a complaint is any formal legal document that sets out the facts and legal reasons (see: cause of action) that the filing party or parties (the plaintiff(s)) believes are sufficient to support a claim against the party or parties against whom the claim is brought (the defendant(s)) that entitles the plaintiff(s) to a remedy (either money damages or injunctive relief).

9. Center for Responsible Lending - Wikipedia

   en.wikipedia.org/wiki/Center_for_Responsible_Lending

   The Center for Responsible Lending (CRL) is a nonprofit organization research and policy group based in Durham, North Carolina, United States.Its stated purpose is to educate the public about financial products and to push for policies that curb predatory lending.