San Diego County

619.283.2200

Lending Laws

Learn about the lending laws in place to protect borrowers.

Whether you are a consumer, homeowner, homebuyer or renter, make sure you understand the laws that are in place to protect you against fraudulent lending or reporting.

Some of the most common laws are: The Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act, and Equal Credit Opportunity Act offer protection from surreptitious and discriminatory practices.

Topics

Making Home Affordable

An official program of the Departments of the Treasury & Housing and Urban Development. 

Read more ›

Housing Law

Housing Law includes such issues as: Eviction; Unlawful lockouts; Wrongful utility shutoff; HUD housing; Needed repairs in rental units; Tenant education and training; and Notices to tenants.

As the cost of housing increases, as the availability of decent units diminishes, and as real incomes fall, families find themselves in conflict with their landlords. When the owner moves the evict, or to turn affordable housing into market rate units, or when a tenant’s subsidy or application for assistance is challenged, the Housing Team is the only full service resource providing advice, direct intervention and in-Court representation for eligible residents of San Diego County. Contact the Legal Aid Society of San Diego, Inc.

Read more ›

Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Read more ›

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act (HMDA), enacted by Congress in 1975 and implemented by the Federal Reserve Board's Regulation C, requires lending institutions to report public loan data. In this section of the website, you can find out more about the regulation and its interpretation. 

Read more ›

Mortgage Payments Sending You Reeling? Here’s What to Do:

The possibility of losing your home because you can’t make the mortgage payments can be terrifying. Perhaps you’re having trouble making ends meet because you or a family member lost a job, or you’re having other financial problems. Or maybe you’re one of the many consumers who took out a mortgage that had a fixed rate for the first two or three years and then had an adjustable rate – and you want to know what your payments will be and whether you will be able to make them.

Read more ›

What is a Foreclosure and How is a Foreclosure done in California?

In California, lenders can foreclose on deeds of trust or mortgages using a nonjudicial foreclosure process (outside of court) or a judicial foreclosure process (through the courts). The nonjudicial foreclosure process is used most commonly in our state.....................................

Read more ›

California Civil Code Section 2920 - 2944.7 (California Law on Mortgages and Foreclosures)

2922.  A mortgage can be created, renewed, or extended, only by writing, executed with the formalities required in the case of a grant of real property.............

Read more ›

Want assistance now?

Just visit the Virtual Counselor Network website, and we’ll connect you to a live counselor.

Get Connected