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California Finance Lenders License Lawyer

The California Finance Lenders Law requires licensing and regulation of finance lenders and brokers making and brokering consumer and commercial loans, except as specified; prohibits misrepresentations, fraudulent and deceptive acts in connection with making and brokering of loans; and provides administrative, civil (injunction and ancillary relief) and criminal remedies for violations of the law.

Finance lenders and brokers, by number of licensees and dollars of loans originated, is the largest group of financial service providers regulated by the Department. A finance lender is defined in the law as "any person who is engaged in the business of making consumer loans or making commercial loans." A finance lenders license provides the licensee with an exemption from the usury provision of the California Constitution.

There are a number of "non-loan" transactions, such as bona fide leases, automobile sales finance contracts (Rees-Levering Motor Vehicle Sales and Finance Act) and retail installment sales (Unruh Act), that are not subject to the provisions of the California Finance Lenders Law.

In addition to the lending authority provided by the law, the California Finance Lenders Law provides limited brokering authority. A "broker" is defined in the law as "any person engaged in the business of negotiating or performing any act as broker in connection with loans made by a finance lender." Brokers licensed under this law may only broker loans to lenders that hold a California Finance Lenders license.

The law requires applicants to have and maintain a minimum net worth of at least $25,000 and to obtain and maintain a $25,000 surety bond. In general, principals of the company may not have a criminal history or a history of non-compliance with regulatory requirements.

LEGAL SERVICES WE PROVIDE:

  •            Assistance with obtaining a California Finance Lenders License
  •            Advice concerning California Finance Lenders Law
  •            Representation before the California Department of Business Oversight 
  •         Mortgage lending law
  •      Representation of private & hard money lenders and carryback sellers.
  •      Advice concerning State and Federal Lending Laws
  •       Drafting of loan documents
  •       Unsecured & secured lending laws 
  •      Representation in DBO and BRE administrative hearings and proceedings, including Accusations, Statements of Issues, Desist and Refrain Orders, and Citations.
  •      Representation in investigations by DBO or BRE.  


 




Locations of practice: Los Angeles California Finance Lenders License Attorney, San Fernando Valley California Finance Lenders License Attorney, Conejo Valley California Finance Lenders License Attorney, Beverly Hills California Finance Lenders License Attorney, Encino California Finance Lenders License Attorney, Tarzana California Finance Lenders License Attorney, Woodland Hills California Finance Lenders License Attorney, West Hills California Finance Lenders License Attorney, Canoga Park California Finance Lenders License Attorney, Studio City California Finance Lenders License Attorney, Van Nuys California Finance Lenders License Attorney, Burbank California Finance Lenders License Attorney, Canoga Park California Finance Lenders License Attorney, Reseda California Finance Lenders License Attorney, Universal City California Finance Lenders License Attorney, Hollywood California Finance Lenders License Attorney, North Hollywood California Finance Lenders License Attorney, Chatsworth California Finance Lenders License Attorney, Granada Hills California Finance Lenders License Attorney, Sylmar California Finance Lenders License Attorney, West Hollywood California Finance Lenders License Attorney, Anaheim California Finance Lenders License Attorney, Orange County California Finance Lenders License Attorney, Marina Del Rey California Finance Lenders License Attorney, Venice California Finance Lenders License Attorney, Santa Monica California Finance Lenders License Attorney, Malibu California Finance Lenders License Attorney, Culver City California Finance Lenders License Attorney, Manhattan Beach California Finance Lenders License Attorney, Hermosa Beach California Finance Lenders License Attorney, Redondo Beach California Finance Lenders License Attorney, Torrance California Finance Lenders License Attorney, Pacific Palisades California Finance Lenders License Attorney, Bakersfield California Finance Lenders License Attorney, Burbank California Finance Lenders License Attorney, Pasadena California Finance Lenders License Attorney, Glendale California Finance Lenders License Attorney, Long Beach California Finance Lenders License Attorney, Newport Beach California Finance Lenders License Attorney, Orange California Finance Lenders License Attorney, Riverside California Finance Lenders License Attorney, San Bernardino California Finance Lenders License Attorney, Irvine California Finance Lenders License Attorney, Costa Mesa California Finance Lenders License Attorney, San Diego California Finance Lenders License Attorney, Irvine California Finance Lenders License Attorney, Fullerton California Finance Lenders License Attorney, San Francisco California Finance Lenders License Attorney, Sacramento California Finance Lenders License Attorney, Santa Ana California Finance Lenders License Attorney, Los Angeles County California Finance Lenders License Attorney, Santa Barbara California Finance Lenders License Attorney, Southern California Finance Lenders License Attorney, Calabasas California Finance Lenders License Attorney, Agoura Hills California Finance Lenders License Attorney, Thousand Oaks California Finance Lenders License Attorney, West Lake Village California Finance Lenders License Attorney, Oak Park California Finance Lenders License Attorney, Simi Valley California Finance Lenders License Attorney, Los Angeles California Finance Lenders License Lawyer -Los Angeles California Finance Lenders License Attorneys - Los Angeles California Finance Lenders License Law Firms - Los Angeles California Finance Lenders License Lawyers - California Finance Lenders License Attorney - California Finance Lenders License Lawyer - California Finance Lenders License Firm- Los Angeles California Finance Lenders License Law Firm - los Angeles California Finance Lenders License lawyers – California Finance Lenders License law – LA California Finance Lenders License Lawyer – LA County California Finance Lenders License Services -California Finance Lenders License lawyers los Angeles.  California finance lenders license requirements.   California finance lenders license exemptions.   California finance lenders license application.    California lending license.  California lender license.    California consumer lending.   California commercial lending.  California auto title loans.   California car title loans.   California merchant cash advance.  California commercial loans.   California hard money lending.   California real estate lending.  California mortgage lending.  California consumer lending laws.   California commercial lending laws.