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 [...]
This article was updated 7.1.25 to reflect a business name change. UPDATE: As of 8/28/2024 the bill has passed the both the California Assembly and Senate. It is now headed to Governor Gavin Newsom to be approved, vetoed, or ignored. We need your help NOW to ensure SB 1146 makes it to the finish line! [...]
The shortage of U.S. single-family homes is a multifaceted issue requiring a comprehensive and collaborative approach. Stop predatory investing and end hedge fund control of American homes! Sounds like a righteous cause, doesn’t it? Stopping large institutional investors from swooping in and buying up all the single-family home inventory, pushing out homeowners in favor of [...]
AAPL sends letter to Congress urging definition change that exempts business-purpose loans. Effective Jan. 1, 2018, Congress enacted new Home Mortgage Disclosure Act rules requiring most private lenders to furnish a 110-data-point Loan Activity Report to the Consumer Financial Protection Bureau (CFPB) for each residential mortgage loan application taken, regardless of a loan’s business or [...]
The AAPL supports efforts to combat money laundering and related crime and encourages private lenders to establish a sensible AML program. To understand how anti-money laundering laws apply to private lenders, it is important to understand exactly what is meant by “money laundering.” Money laundering is the process of making illegally gained proceeds (i.e., “dirty [...]
The devil is in the details, so the GRC relies on AAPL members to alert us to proposed legislation that could impact the industry. The AAPL Government Relations Committee endeavors to monitor legislation that may impact you—both positively and negatively. Much of this legislation is at the federal level,including recent foreclosure restrictions, changes involving the [...]
Proposed California and New York bills will significantly impact private lenders. When it rains, it pours. Within 10 days of each other, California and New York proposed legislation impacting our industry. As of the time of publishing, California seeks to add a capital gains tax to nearly all residences sold within seven years of purchase, [...]
California AB 1771 will charge an additional 25% capital gains tax on almost EVERY RESIDENTIAL PROPERTY sold within 3 years of purchase. UPDATE 4/25/22: The bill was heard for the first time by the Assembly Committee on Revenue and Taxation. Their bill analysis reiterated the main points of our official opposition letter: 1) that it [...]
Spearheaded by our Government Relations Committee, AAPL wrapped up its third year of legislative activity with some definite wins. As we continue our grassroots mobilization efforts and build strategies for how and when we talk to policymakers, we wanted to provide you—our constituents—with a frank, no-holds-barred and transparent accounting of what’s happening and where we’re [...]
The Consumer Financial Protection Bureau launched an open comment period now through January 21 seeking input to assess the effectiveness of HMDA, focusing on: Institutional coverage and transactional coverage; Data points; Benefits of the new data and disclosure requirements; and Operational and compliance costs. This is your chance to help decrease the burden of HMDA [...]
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