This article was updated 7.1.25 to reflect a business name change. Here is what the Moon case and its aftermath mean for the future of brokered loans in California. In the Summer 2024 issue of Private Lender, we shared a brief history of usury law in California (the limitations on interest rates charged on business-purpose [...]
This article was updated 7.1.25 to reflect a business name change. AAPL’s Government Relations Committee will continue to monitor the situation and assist in developing a plan for future steps. For more than 40 years, the law of usury in California has been a bit of a joke—that its exceptions are larger than the rule [...]
A borrower’s bankruptcy filing can be one of the biggest headaches lenders face. Bankruptcy protection is designed to give a debtor, whether an individual or a business, a fresh start. Although in some cases bankruptcy may result in losses to lenders, generally the societal benefits of this fresh start greatly outweigh those small losses. The [...]
AAPL opposes foreclosure moratoriums and mandatory forbearance on business-purpose loans. COVID-19 has created some of the most far-reaching impacts our industry has seen. It is no surprise then that governments at all levels took some measure of direct action to guard against one immediate negative consequence of that health crisis: skyrocketing unemployment. A consequence of [...]
Government intervention in the housing and lending markets through eviction and foreclosure moratoriums is impacting private lenders’ ability to deploy capital and originate loans. To say things have changed in 2020 would be the understatement of the century. Efforts to limit the spread of COVID-19 have impacted all facets of life. Real estate and real [...]
Instead, promote incentives to increase economic activity and to create the change we all want to see. Most states or other governmental subdivisions that we are aware of impose what is known as a conveyance tax, transfer tax, sales tax or fee on the sale of real property. These taxes are generally very low in [...]
Senate Bill S3060E introduced in the New York state legislature would dramatically increase the transfer tax on fix-and-flip residential property. The New York state legislature is trying to pass a law to dramatically increase the transfer tax on certain family properties sold within two years of original acquisition in New York City. (Note: For certain [...]
It is important for all lenders to know that there is no such thing as preventing fraud or being fraud-proof. To think you are fraud-proof opens you up to lax behavior and ultimately, puts you at greater risk. What we can do as lenders, is think about how to be fraud-resistant, and thereby remain vigilant [...]
Membership Questions?
Call 913-888-1250
VIP RECEPTION // Enjoy cocktails and hors d’oeuvres while catching up with VIPs from across the country, all overlooking the gorgeous Las Vegas Strip. AAPL Members may RSVP during conference registration at no additional cost; for non-members it is $199/ticket.
NETWORKING BREAKFASTS & SESSION BREAKS // Early-risers will appreciate plentiful coffee and a selection of pastries, protein, and more – along with the opportunity to talk shop in a quieter atmosphere. Session breaks feature an energetic environment with a variety of snacking options.
AFTER-HOURS RECEPTION // Continue conversations with fellow attendees, sponsors, and speakers in the Exhibit Hall while enjoying complimentary hors d’oeuvres and two drink tokens.
OFFICIAL AFTER-PARTY // For those who hate to say goodnight, each year a few sponsors plan a little something extra to wrap up your day … or help segue from all-business to all-fun. We’ll mark the party as official and provide information about how to attend.
ANNUAL CONFERENCE APP // The app is your insiders’ guide to getting the most out of #AAPLANNUAL and includes your personalized schedule, conference navigation system, and more!
Nominations are open until August 30, 2025, with voting from September 9-30, 2025. We’ll announce recipients at our Annual Conference.
Member of the Year (MOTY): This award goes to a member based on their deep expertise, unique value, and strong commitment to clients and the industry.
Rising Star: Rising Stars are members who have accomplished outstanding growth in their company or industry sector over the past year.
Community Impact: Recipients improve their local communities or our industry through volunteering, development programs, or civic efforts.
See past award winners, award rules, and participate in the 2025 nomination and voting process here.
Grand Prize – Custom Championship Belt & VIP Admission to Power Room event in St. Augustine, FL (February 27th – March 1st, 2023)
2nd Place – 2023 AAPL Annual Conference Bundle to include Individual Membership, 1 Conference Ticket and 1 VIP Reception pass.
3rd Place – 1 year AAPL Individual Membership