FEDERAL TRADE COMMISSION

ECOA – Equal Credit Opportunity Act

For ECOA violations involving mortgage and consumer finance companies:
Federal Trade Commission
Consumer Response Center
Washington, DC 20580
202-326-2222; TDD: 1-866-653-4261

FHA – Fair Housing Act

For violations of the FHA:

Office of Fair Housing and Equal Opportunity
US Department of Housing and Urban
Development (HUD), Room 5204
Washington, DC 20410-2000
Toll-free hotline: 1-800-424-8590 ; TDD: 1-800-543-8294

FTC – Facts for consumers

FTC – Before you submit a complaint

FAIR CREDIT REPORTING ACT

Fair Credit Reporting Act – major links and recent highlights

Free Credit Report

FCRA – free copy of Credit Report every 12 months

Identity Theft

Identity Theft Summary of Rights

OFFICE OF THE COMPTROLLER OF THE CURRENCY – ADMINISTRATOR OF NATIONAL BANKS

http://www.occ.treas.gov/

OCC Consumer Complaints and Assistance

The OCC’s Customer Assistance Group is ready to help customers of national banks with questions or complaints they have about their financial institution. CAG’s toll-free lines are open Monday through Friday, 7:00 a.m. to 7:00 p.m., Central Time. You can reach one of OCC’s Customer Assistance Specialists by calling: 1-800-613-6743.

CALIFORNIA DEPARTMENT OF REAL ESTATE

For mortgage originators operating under a licensed Real Estate Broker in the State of California

California Mortgage Loan Broker Forms

CALIFORNIA DEPARTMENT OF CORPORATIONS

California Residential Mortgage Lending Act

Mortgage bankers licensed under the CRMLA may be in the form of a natural person, a sole proprietorship, a corporation, a partnership, a limited liability company, an association, a trust, a joint venture, an unincorporated organization, a joint stock company, a government or political subdivision of a government, or any other entity.

Prior to obtaining a license, each applicant must demonstrate the following:

• Approval from the Federal Housing Administration (FHA), Veterans Administration (VA), Farmers Home Administration (FmHA), Government National Mortgage Association (Ginnie Mae), Federal National Mortgage Association (Fannie Mae) or Federal Home Loan Mortgage Corporation (Freddie Mac) as a lender and/or servicer.
• Audited financial statements demonstrating tangible net worth of at least $250,000.
• A surety bond in the amount of $50,000.

All stockholders, principal officers and directors must have a background check performed by the Department. This includes obtaining criminal history information through the Department of Justice and conducting civil court checks for activities that indicate previous involvement in fraud, embezzlement, fraudulent conversion, or misappropriation of property.