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Daniel S. Gonzales

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Readers, please share your encounters with the Dodd-Frank home mortgage regulations

September 26, 2017 by Daniel S. Gonzales Leave a Comment

In the wake of the subprime mortgage debacle and ensuing financial crisis, Congress enacted substantial reforms affecting the home mortgage industry as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”). Pursuant to Dodd-Frank, the Consumer Financial Protection Bureau (“CFBP”) issued extensive new rules with the express intention of protecting … [Read more...] about Readers, please share your encounters with the Dodd-Frank home mortgage regulations

Cities hurt by “predatory” lending practices may sue banks under the Fair Housing Act, Supreme Court rules

August 15, 2017 by Daniel S. Gonzales Leave a Comment

A few years back, I posted an article in this blog about the efforts of the City of Richmond, California, to pursue a novel “eminent domain” remedy in dealing with the aftershocks of the subprime mortgage crisis on real estate and the economy there. While it has been nearly a decade since that debacle, many areas still struggle in its aftermath, and a number of jurisdictions … [Read more...] about Cities hurt by “predatory” lending practices may sue banks under the Fair Housing Act, Supreme Court rules

New consumer mortgage disclosure rules come up short for loan products

June 28, 2016 by Daniel S. Gonzales Leave a Comment

Loan Products that banks choose to offer In November 2013, pursuant to the Dodd-Frank reforms passed by Congress in the wake of the financial crisis, the Consumer Financial Protection Bureau (“CFPB”) adopted regulations integrating the disclosure mandates of the Real Estate Settlement Procedures Act (“RESPA”) and the Truth in Lending Act (“TILA”).  The new integrated … [Read more...] about New consumer mortgage disclosure rules come up short for loan products

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Helping you avoid risk, maximize profit, and protect your long term real estate appreciation

Mr. Gonzales is in private practice, providing representation, advice and counsel in complex real estate, corporate, and business transactions on behalf of public and private institutions, businesses, and individuals.

This material has been prepared by Daniel S. Gonzales for informational purposes only and does not constitute advertising, a solicitation, or legal advice. Neither delivery nor transmission of this material or the information contained herein is intended to create, and receipt thereof does not constitute formation of, an attorney-client relationship. The reader should not rely upon this information for any purpose without seeking legal advice from a licensed attorney. The information contained in this material is provided only as general information and is not promised or guaranteed to be correct or complete. Daniel S. Gonzales expressly disclaims all liability in respect to actions taken or not taken based on any or all the contents of this material.

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