The California Residential Mortgage Lending Act (CRMLA) was enacted in 1994 and became operative in 1996. The CRMLA was enacted as an alternative to the existing laws licensing lenders under the Real Estate Law and the California Finance Lenders Law, in order to provide mortgage bankers with a licensing law specifically intended to regulate their primary functions of originating and servicing residential mortgage loans. Unlike the Real Estate Law and the California Finance Lenders Law, the CRMLA is specifically designed to authorize and regulate mortgage banking activities. An applicant under the CRMLA may obtain a license as a lender, a servicer, or both.

The CRMLA authorizes licensees to make federally related mortgage loans, to make loans to finance the construction of a home, to sell the loans to institutional investors, and to service such loans. Licensees are authorized to purchase and sell federally related mortgage loans and to provide contract underwriting services for institutional lenders. Licensees are authorized to service any federally related mortgage loan regardless of whether they make the loan or purchase a servicing portfolio.

A licensed CRMLA lender is also authorized to provide brokerage services to a borrower, by attempting to obtain a mortgage loan on behalf of the borrower from an institutional lender.  Employees who engage in brokering activities on behalf of the CRMLA licensee must be licensed mortgage loan originators employed by the licensee.


  •  Assistance with obtaining a California Residential Mortgage Lending Act (CRMLA) license from DFPI for residential mortgage lenders, servicers, and brokers.
  • Advice concerning compliance with CRMLA laws and regulations.
  • Representation before the DFPI.
  • Mortgage lending law
  • Advice concerning State and Federal Lending Laws
  • Drafting of loan documents
  • Representation before CFPB.
  • Representation in DFPI and DRE administrative hearings and proceedings, including Accusations, Statements of Issues, Desist and Refrain Orders, and Citations.
  • Representation in investigations by DFPI or DRE.
  • Assistance with BSA/AML and FINCEN regulation and with FINCEN enforcement defense.