Loan Disclosures - 2022 Update:
Business Purpose AND Consumer Loans
September 13, 2022 | 11:00am - 12:15pm
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Think you have it all figured out? Think again! Even non-consumer, business purpose and commercial loans have disclosure requirements. Back by popular demand, and updated for 2022, Michelle and Lori will go over the various loan disclosure forms you need to stay compliant and on top of ever-changing regulations. And with the webinar format, we make it easy for your whole origination team to attend! Added Bonus: Receive a disclosure checklist and copies of disclosure forms.
PRESENTED BY:
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Michelle R. Rodriguez, Esq., Sr. Compliance Counsel | Wright, Finlay & Zak
Michelle R. Rodriguez joined Wright, Finlay & Zak’s Compliance, Licensing and Regulatory Division in 2022. Prior to joining the firm, Ms. Rodriguez was general counsel and chief compliance officer of Woodland Hills Mortgage Corporation, a mortgage lender, and R.C. Temme Corporation, a mortgage servicer for over 17 years, dealing with DRE & DFPI audits, identifying and resolving title issues, drafting standard and custom contracts, escrow instructions, lender disclosures, and private placement memoranda. During that time, Ms. Rodriguez handled licensing issues, and creation and oversight of compliance programs, policies, procedures and checklists, for state and Federal origination and servicing regulations, such as CA civil code mortgage laws, DRE regulations, ECOA, FDCPA, FCRA, RESPA, TILA, HMDA/Holden, GLB, CCPA, SAFE Act, Homeowner Bill of Rights, TRID/KBYO, HOEPA, cannabis-related lending issues, and CFPBs mortgage servicing rules.
Ms. Rodriguez is licensed as an attorney in California. In addition to holding a Juris Doctor degree, Ms. Rodriguez also holds a Masters degree in Business Administration from the University of Saint Thomas in Saint Paul, Minnesota. Ms. Rodriguez is a licensed real estate broker and maintains an NMLS MLO endorsement. Ms. Rodriguez is a member of the board of directors of the California Mortgage Association and is chairperson of that organization’s Education Committee. She is a regular presenter at that organization’s educational seminars and has presented educational topics for other mortgage trade associations including the national Mortgage Bankers Association, the California Mortgage Bankers Association, and the United Trustees Association. She is co-author of the 2019-2022 versions of the textbook entitled Professional MLO Education for MLO’s for Duane Gomer Education.
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Lori Randich, Principal | Bay Laurel Financial
Lorene A. (“Lori”) Randich offers financial consulting services in compliance and lending operations to mortgage lenders and brokers throughout California. With her vast knowledge of the practical, legal and regulatory issues affecting the mortgage lending industry, Lori assists companies and individual brokers and lenders with their compliance and lending questions.
Lori Randich has spent her career in the financial services and mortgage lending industry, primarily with Redwood Mortgage Corp., where she rose to the position of Executive Vice President of Lending Operations. While retired from her executive duties, Lori continues her relationship with Redwood Mortgage by continuing to serve on its board of directors as well as by originating loans as a broker associate.
Lori holds a Bachelor of Arts degree, with honors, in Political Science from the University of California at Berkeley, and is a real estate broker licensed with the California Department of Real Estate. She is a member of and has served in executive and board positions at many trade associations.
Lori is a two-time recipient of the President’s Award from the California Mortgage Association, as well as the 2020 recipient of the Phillip M. Adleson Education Award. Lori has authored articles and given numerous presentations on a wide variety of topics of interest to the mortgage industry.
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CMA Members - Complimentary | Non-Members $50
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MCLE: This activity has been approved for Minimum Continuing Legal Education credit by the State Bar of California in the amount of 1.25 hours of general MCLE. This activity conforms to the standards for approved education activities prescribed by the rules and regulations of the State Bar of California governing minimum continuing legal education.
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