CALIFORNIA LENDING LAWYER

California Lending Lawyer

California Lending Lawyer

California TILA Attorney. California RESPA Attorney.  California Consumer Credit Attorney. California Lending Laws Attorney   California Lending Compliance Attorney.  California Financial Services Attorney.

Alan Abergel, Esq. is an attorney licensed by both the State Bar of Texas and the State Bar of California.  

We also provide Texas lending laws and licensing services.

Some of the services we provide are:

LENDER, FINANCIAL SERVICES PROVIDER, & MLO REPRESENTATION

California DBO is now the Department of Financial Protection and Innovation (DFPI)

• Representation of California private & hard money lenders and carryback sellers.

• Representation of California Finance Lenders before DFPI and assistance in obtaining California Finance Lenders license.

• Representation of California Finance BROKER before DFPI and assistance in obtaining California Finance BROKER license.

• NMLS registration and compliance for lenders, brokers, MLOs, and other financial services.

• Representation of financial services businesses

• 50 state mortgage broker and lender licensing lawyer.

• Representation of California Deferred Deposit Transaction Law lenders (Payday Lenders) before DFPI, and assistance in obtaining a license. 

• Representation in equipment leasing and finance transactions.

• Representation of DRE and DFPI mortgage loan originators in NMLS registration, compliance with DFPI and DRE rules, and compliance with federal laws and regulations, including CFPB regulations.

• Representation of California Money Transmitters before DFPI, and assistance in obtaining a license.

• 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.

• Representation before CFPB.

• Advice concerning state and federal lending laws

• Drafting of loan and credit documents for depository institutions, California Finance Lenders, payday lenders, car title lenders, mortgage lenders, merchant cash advance providers, consumer lenders, commercial lenders, secured and unsecured lenders, factors, and other financial institutions.

• Drafting of loan documents in compliance with California and federal consumer credit laws. 

• Legal advice concerning compliance with California and federal consumer credit laws.   

• Mortgage lending laws

• Unsecured & secured lending laws 

• Representation of lenders in capital raising transactions in compliance with securities laws.

• Affordable outside general counsel plans to lenders 

• Representation of lenders in lending transactions secured by music catalogues and copyright assets. 

CALIFORNIA FINANCIAL SERVICES ATTORNEY

We provide legal services to the following financial services industries, including licensing, compliance, and contract drafting:

•  Lending (secured, unsecured, commercial, residential, and consumer)
•  Money Transmitters
•  Payday lenders (Deferred Deposit Transaction Law Lenders)
•  Check Sellers, Bill Payers and Proraters
•  Providers of consumer credit
• California DFPI licensed escrow companies  and California DRE licensed companies with escrow divisions.
•  Check Cashers
•  Money Service Businesses regulated by FinCEN
• California Credit Services Organizations.   California credit repair companies. 
• CALIFORNIA PAWNBROKERS
  
• Legal compliance and licensing for Bitcoin and virtual currency businesses
• California chartered banks.

• Equipment leasing and finance companies.

• FINRA and/or DFPI and/or SEC licensed securities Broker-Dealers, Broker-Dealer Agents, Investment Advisers, and Investment Adviser Representatives.
• 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.

In addition to being a licensed attorney, Mr. Abergel is a licensed California DRE real estate broker.

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