Advocacy

The 20% Qualified Business Income Deduction

By |2021-09-13T18:25:10-05:00September 13th, 2021|Advocacy, Featured|0 Comments

Here’s AAPL’s position on IRS code, section 199A. The Tax Cuts and Jobs Act enacted Section 199A of the Internal Revenue Code in 2017. This legislation created a 20% tax deduction for qualified business income for pass-through companies (e.g., limited liability companies, subchapter S corporations, and limited partnerships). It also authorized a 20% deduction for [...]

By |2021-09-13T18:25:10-05:00September 13th, 2021|Advocacy, Featured|0 Comments

A Case for Revising Single Asset Real Estate Bankruptcy Regulation

By |2022-06-28T13:15:37-05:00August 31st, 2021|Advocacy, Featured|0 Comments

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 [...]

By |2022-06-28T13:15:37-05:00August 31st, 2021|Advocacy, Featured|0 Comments

Introducing AAPL’s 2021-2022 Committees

By |2025-09-16T11:09:33-05:00June 18th, 2021|Advocacy, Featured, Leadership|0 Comments

Meet the committee members who will be the association’s advisors in three critical areas: education, advocacy, and ethics. During the past decade, we’ve zeroed in on three distinct areas that have grown to form the backbone of nearly every initiative we take as an association: Education, Advocacy, and Ethics. To better serve you and the [...]

By |2025-09-16T11:09:33-05:00June 18th, 2021|Advocacy, Featured, Leadership|0 Comments

HMDA Compliance

By |2021-06-22T21:32:32-05:00June 18th, 2021|Advocacy, Featured|0 Comments

Many private lenders consider HMDA compliance and reporting to be a substantial burden. Dealing with needless government regulation and reporting is high on the list of frustrations small business owners face. The Home Mortgage Disclosure Act (Reg C), also known as HMDA, is one example in the private lending industry. It requires private lenders to [...]

By |2021-06-22T21:32:32-05:00June 18th, 2021|Advocacy, Featured|0 Comments

Proposed Licensing Legislation Could Impact the NY Housing Market

By |2021-04-28T18:47:37-05:00April 28th, 2021|Advocacy, Featured|0 Comments

Current home flippers infuse the housing market with quality, affordable inventory. Proposed legislation in New York could make it harder for real estate investors to finance real estate renovation projects, which could further limit the supply of affordable housing inventory in the state, according to an analysis of home flipping data from the last two [...]

By |2021-04-28T18:47:37-05:00April 28th, 2021|Advocacy, Featured|0 Comments

COVID-19: A LITMUS TEST OF PRIVATE LENDERS’ SELF-REGULATION CAPABILITY

By |2025-09-16T11:10:14-05:00April 27th, 2021|Advocacy, Ethics, Featured|0 Comments

The private lending industry of today can trace its near-exponential growth over the past decade back to government regulation. Regulation of parallel industries, that is. Strictures that have reined in traditional institutional lending practices have largely benefited private lenders, spurring borrowers to come knocking at the door. Private lenders have, for the most part, operated [...]

By |2025-09-16T11:10:14-05:00April 27th, 2021|Advocacy, Ethics, Featured|0 Comments

Business-Purpose Loans Should Be Exempt from Relief Measures

By |2021-03-29T15:46:09-05:00March 29th, 2021|Advocacy, Featured|0 Comments

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 [...]

By |2021-03-29T15:46:09-05:00March 29th, 2021|Advocacy, Featured|0 Comments

Business-Purpose Loans Should Not Be Subject to Mortgage Lender Licensing

By |2021-03-15T16:05:02-05:00March 15th, 2021|Advocacy, Featured|1 Comment

AAPL advocates for national business-purpose loan exemption from mortgage licensing. Generally, private lenders in states that require a mortgage lender license to make a business-purpose loan are already licensed, and those in states that do not require a license are not licensed. What is probably more surprising is that private lenders who make loans in [...]

By |2021-03-15T16:05:02-05:00March 15th, 2021|Advocacy, Featured|1 Comment

The CFPB Answers to the President Now

By |2021-02-15T18:35:53-06:00February 15th, 2021|Advocacy, Featured, Legal|0 Comments

What does this mean under a Biden presidency? This is a follow-up to “The Future of the CFPB Is at Stake,” published in the Q2 2020 issue of Private Lender. On June 29, 2020, the Supreme Court of the United States handed down its highly anticipated decision in Seila Law vs. Consumer Financial Protection Bureau. [...]

By |2021-02-15T18:35:53-06:00February 15th, 2021|Advocacy, Featured, Legal|0 Comments

AAPL Opposes New York’s Bill to Require Licensing to Transact Any Commercial Financial Product

By |2022-03-21T14:57:42-05:00January 25th, 2021|Advocacy|0 Comments

NY A1420/S1061 Threatens to Require Licensing for Commercial (Business Purpose) Loans And Other Transactions UPDATE 3/17/2022 3:40PM CT: We received an alert that this bill has been amended as of March 17, 2022 and recommitted to the Banks Committee after inactivity all of 2021. At this time, the only material change to the bill is [...]

By |2022-03-21T14:57:42-05:00January 25th, 2021|Advocacy|0 Comments

Membership Questions?
Call 913-888-1250

Sign up for AAPL Membership:

AAPL has memberships specifically tailored for private real estate lenders.
Find one that works for you.

Join Now

Already a member? Sign In.

Forgot Password?

Forgot Password?

Please enter your email. The password reset link will be provided in your email.
Go to Top