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Section § 50000

Yasanın bu kısmı Kaliforniya Konut İpotek Kredisi Yasası olarak bilinir. Eyaletteki ipotek kredisi verme uygulamalarına ilişkin kural ve düzenlemeleri yönetir.

Bu bölüm, Kaliforniya Konut İpotek Kredisi Yasası olarak bilinecek ve atıfta bulunulabilecektir.

konut ipotek kredisi Kaliforniya ipotek düzenlemeleri ipotek kredisi verme uygulamaları ipotek hukuku ipotek kredisi yasası konut kredisi kuralları eyalet ipotek yönergeleri ipotek başvuru süreci kredi uyumluluğu konut kredisi düzenlemeleri

(Added by Stats. 1994, Ch. 994, Sec. 7. Effective January 1, 1995. Section operative January 1, 1996, pursuant to Section 50601 (later repealed).)

Section § 50001

Bagian ini menyatakan bahwa istilah-istilah yang didefinisikan dalam bab ini digunakan secara konsisten di seluruh divisi ini, kecuali jika ada alasan untuk tidak mengikutinya dalam konteks tertentu.

definisi penggunaan spesifik konteks terminologi konsisten aplikasi seluruh divisi aturan interpretasi pengecualian kontekstual definisi bab definisi hukum konsistensi terminologi konteks pengecualian

(Added by Stats. 1994, Ch. 994, Sec. 7. Effective January 1, 1995. Section operative January 1, 1996, pursuant to Section 50601 (later repealed).)

Section § 50002

Ang seksyong ito ay nagpapaliwanag na ang sinumang gumagawa o nagseserbisyo ng mga pautang sa bahay (residential mortgage loans) sa California ay dapat may lisensya mula sa komisyoner, maliban sa ilang partikular na entidad na exempted tulad ng mga bangko at real estate broker. Ang mga empleyado ng mga kumpanyang may lisensya o exempted ay hindi nangangailangan ng hiwalay na lisensya maliban kung sila ay itinuturing na mortgage loan originator. Ang mga exempted na entidad ay maaaring mag-sponsor ng mga mortgage loan originator kung susundin nila ang mga regulasyon at magbabayad ng mga kaukulang bayarin. Maraming uri ng institusyong pinansyal, ahensya ng gobyerno, at iba pang tinukoy na indibidwal o entidad ang exempted sa pangangailangan ng lisensya.

Ang mga mortgage loan originator ay dapat lisensyado at sumunod sa mga kinakailangan sa pagpaparehistro at regulasyon maliban kung nagtatrabaho sila para sa mga regulated na institusyon. Ang mga independent loan processor at underwriter ay nangangailangan ng sarili nilang lisensya upang makapag-operate.

(a) Walang sinuman ang dapat makisali sa negosyo ng paggawa ng mga residential mortgage loan o pagseserbisyo ng mga residential mortgage loan, sa estadong ito, nang hindi muna nakakakuha ng lisensya mula sa komisyoner alinsunod sa mga kinakailangan ng Chapter 2 (simula sa Section 50120) o Chapter 3 (simula sa Section 50130), at anumang patakaran na ipinahayag ng komisyoner sa ilalim ng batas na ito, maliban kung ang isang tao o transaksyon ay ibinukod mula sa isang depinisyon o exempted mula sa paglilisensya sa pamamagitan ng isang probisyon ng batas na ito o isang patakaran ng komisyoner.

(b)

(1) Ang isang empleyado ng isang may lisensya o ng isang taong exempted mula sa paglilisensya ay hindi kinakailangang magkaroon ng lisensya kapag kumikilos sa loob ng saklaw ng kanyang trabaho at dapat na exempted mula sa anumang iba pang batas kung saan ang kanyang employer ay exempted, maliban kung ang isang indibidwal na nakakatugon sa depinisyon ng isang mortgage loan originator sa Section 50003.5 ay sasailalim sa dibisyong ito.

(2) Ang isang taong exempted mula sa dibisyong ito ay maaaring mag-aplay sa komisyoner para sa isang exempt company registration para sa layunin ng pag-sponsor ng isa o higit pang indibidwal na kinakailangang magkaroon ng lisensya bilang mortgage loan originators gaya ng tinukoy sa Section 50003.5 at alinsunod sa SAFE Act.

(3) Ang isang exempted na tao na nag-aaplay sa ilalim ng pamamaraan ng exempt company registration ay dapat sumunod sa lahat ng patakaran at utos na itinuturing ng komisyoner na kinakailangan upang matiyak ang pagsunod sa SAFE Act at dapat magbayad ng taunang bayad sa pagpaparehistro na itinatag ng komisyoner.

(1) Anumang bangko, trust company, kumpanya ng seguro, o industrial loan company na nagsasagawa ng negosyo sa ilalim ng awtoridad ng, o alinsunod sa, isang lisensya, sertipiko, o charter na inisyu ng United States o anumang estado, distrito, teritoryo, o commonwealth ng United States na awtorisadong magsagawa ng negosyo sa estadong ito.

(2) Isang federally chartered savings and loan association, federal savings bank, o federal credit union na awtorisadong magsagawa ng negosyo sa estadong ito.

(3) Isang savings and loan association, savings bank, o credit union na inorganisa sa ilalim ng mga batas ng estadong ito o anumang iba pang estado na awtorisadong magsagawa ng negosyo sa estadong ito.

(4) Isang tao na nakikibahagi lamang sa negosyo, komersyal, o agrikultural na pagpapautang ng mortgage.

(5) Isang wholly owned service corporation ng isang savings and loan association o savings bank na inorganisa sa ilalim ng mga batas ng estadong ito o ang wholly owned service corporation ng isang federally chartered savings and loan association o savings bank na awtorisadong magsagawa ng negosyo sa estadong ito.

(6) Isang ahensya o iba pang instrumento ng pederal na pamahalaan, o pamahalaan ng estado o munisipalidad.

(7) Isang plano ng pensyon ng empleyado o employer na gumagawa ng mga residential mortgage loan lamang sa mga kalahok nito, o isang tao na gumagawa ng mga loan na iyon lamang sa mga empleyado nito o sa mga empleyado ng isang holding company, o isang may-ari na kumokontrol sa taong iyon, kaakibat, o subsidiary ng taong iyon.

(8) Isang tao na kumikilos sa isang fiduciary capacity na ipinagkaloob ng awtoridad ng isang korte.

(9) Isang real estate broker na may lisensya sa ilalim ng batas ng California, kapag gumagawa, nag-aayos, nagbebenta, o nagseserbisyo ng isang residential loan.

(10) Isang California finance lender o broker na may lisensya sa ilalim ng Division 9 (simula sa Section 22000), kapag kumikilos sa ilalim ng awtoridad ng lisensyang iyon.

(11) Isang trustee sa ilalim ng isang deed of trust alinsunod sa Civil Code, kapag nangongolekta ng mga delinquent na bayad sa loan, interes, o iba pang halaga ng loan, o nagsasagawa ng iba pang mga gawain sa isang judicial o nonjudicial foreclosure proceeding.

(12) Isang mortgage loan originator na nakakuha ng lisensya sa ilalim ng Chapter 3.5 (simula sa Section 50140), sa kondisyon na ang mortgage loan originator ay empleyado ng isang residential mortgage lender o servicer.

(13) Isang rehistradong mortgage loan originator na inilarawan sa subdivision (e).

(d) Ang isang indibidwal, maliban kung partikular na exempted sa ilalim ng subdivision (e), ay hindi dapat makisali sa negosyo ng isang mortgage loan originator na may kinalaman sa anumang tirahan na matatagpuan sa estadong ito nang hindi muna nakakakuha at nagpapanatili taun-taon ng lisensya alinsunod sa mga kinakailangan ng Chapter 3.5 (simula sa Section 50140) at anumang patakaran na ipinahayag ng komisyoner sa ilalim ng kabanatang iyon. Ang bawat lisensyadong mortgage loan originator ay dapat magparehistro at magpanatili ng isang valid na natatanging identifier na inisyu ng Nationwide Mortgage Licensing System and Registry.

(e) Un originador de préstamos hipotecarios registrado está exento de licencia bajo las subdivisiones (a) y (d), cuando es empleado por una institución depositaria, una subsidiaria de una institución depositaria que es propiedad y está controlada por una institución depositaria y regulada por una agencia bancaria federal, o una institución regulada por la Administración de Crédito Agrícola.

(f) Un procesador de préstamos o suscriptor que es un contratista independiente empleado por un prestamista o administrador de hipotecas residenciales no puede realizar las actividades de un procesador de préstamos o suscriptor bajo esta división a menos que el procesador de préstamos o suscriptor contratista independiente obtenga y mantenga una licencia bajo la Sección 50120.

mga pautang sa bahay mortgage loan originator mga kinakailangan sa lisensya mga institusyong pinansyal mga exempted na entidad pagpaparehistro pag-sponsor pagsunod sa SAFE Act independent contractor loan processor real estate broker credit union depository institution federal banking agency Farm Credit Administration

(Amended by Stats. 2012, Ch. 264, Sec. 8. (AB 2666) Effective January 1, 2013.)

Section § 50002.5

Sheria hii inaeleza masharti kwa watu binafsi na makampuni yanayohusika na mikopo ya nyumba ya makazi huko California. Inaagiza kwamba yeyote anayeanzisha mikopo ya nyumba lazima awe na leseni na awe na kitambulisho cha kipekee kutoka Mfumo wa Kitaifa wa Leseni za Mikopo ya Nyumba.

Watoa mikopo ya nyumba wanaweza kufanya kazi tu ikiwa leseni yao ni halali, na shughuli zote lazima ziwe ndani ya mazoea yaliyoidhinishwa kwa wakopeshaji au wahudumu wa mikopo ya nyumba. Pia, mikopo lazima ichakatwe kupitia mtoa mikopo mwenye leseni.

(a) Kila mwenye leseni anayejihusisha na biashara ya kutoa, kuhudumia, au kutoa na kuhudumia mikopo ya nyumba ya makazi atahitaji kwamba kila mtoa mikopo ya nyumba aliyeajiriwa au kulipwa na mwenye leseni huyo apate na kudumisha leseni ya mtoa mikopo ya nyumba kutoka kwa kamishna chini ya kitengo hiki au Kitengo cha 9 (kuanzia na Sehemu ya 22000), au amepata kwanza idhini ya leseni kutoka kwa kamishna wa Majengo kulingana na Kifungu cha 2.1 (kuanzia na Sehemu ya 10166.01) cha Sura ya 3 ya Sehemu ya 1 ya Kitengo cha 4 cha Kanuni za Biashara na Taaluma.

(b) Mkopeshaji au mhudumu wa mikopo ya nyumba ya makazi hatamwajiri mtoa mikopo ya nyumba ambaye leseni yake au idhini ya leseni imekwisha muda wake.

(c) Mkopeshaji au mhudumu wa mikopo ya nyumba ya makazi hawezi kutoa au kuwakilisha mkopo wa nyumba ya makazi isipokuwa mkopo huo umejadiliwa na au kuombwa kupitia mtoa mikopo ya nyumba mwenye leseni.

(d) Kila mwenye leseni anayejihusisha na biashara ya kutoa, kuhudumia, au kutoa na kuhudumia mikopo ya nyumba ya makazi na kila mtoa mikopo ya nyumba mwenye leseni chini ya kitengo hiki atajiandikisha na kudumisha kitambulisho cha kipekee halali kilichotolewa na Mfumo wa Kitaifa wa Leseni na Usajili wa Mikopo ya Nyumba.

(e) Hakuna mtoa mikopo ya nyumba mwenye leseni chini ya kitengo hiki na aliyeajiriwa na mkopeshaji wa mikopo ya nyumba ya makazi mwenye leseni au mhudumu wa mikopo ya nyumba ya makazi mwenye leseni atajihusisha na shughuli yoyote ambayo si shughuli iliyoidhinishwa kwa mkopeshaji wa mikopo ya nyumba ya makazi mwenye leseni au mhudumu wa mikopo ya nyumba ya makazi mwenye leseni kulingana na kitengo hiki.

mtoa mikopo ya nyumba mkopeshaji wa mikopo ya nyumba ya makazi sharti la leseni idhini ya leseni Mfumo wa Kitaifa wa Leseni za Mikopo ya Nyumba kitambulisho cha kipekee mhudumu wa mikopo ya nyumba leseni iliyokwisha muda shughuli yenye leseni wakala wa mikopo ya nyumba ya makazi majadiliano ya mkopo wa nyumba usajili wa mtoa mikopo ya nyumba

(Added by Stats. 2009, Ch. 160, Sec. 46. (SB 36) Effective October 11, 2009.)

Section § 50003

TL_translation_of_This law section defines important terms used in California's Residential Mortgage Lending Act. These include definitions for an 'annual audit,' 'borrower,' and 'buy' actions. It outlines what 'control' of a company means, including a 10% voting power presumption. It also explains who an 'institutional investor' is, listing entities like government agencies, banks, and investment companies.

TL_translation_of_The law specifies what it means to 'engage in the business' of mortgage lending and servicing. It defines 'lender' and 'licensee' as those involved in making or processing residential mortgage loans. Various types of mortgage loans and related activities are covered, including who qualifies as a mortgage servicer and how mortgage servicing is conducted.

TL_translation_of_The statute additionally touches on 'net worth,' 'own funds,' and details about the 'SAFE Act' related to mortgage licensing. It explains the meaning of 'service' and 'sell' in the context of loans, specifies what a 'unique identifier' is, and outlines the concept of 'nontraditional mortgage products.' Finally, it describes 'expungement' as it relates to criminal records in the context of mortgage regulation.

(a) “TL_translation_of_Annual audit” means a certified audit of the licensee’s books, records, and systems of internal control performed by an independent certified public accountant in accordance with generally accepted accounting principles and generally accepted auditing standards.

(b) “TL_translation_of_Borrower” means the loan applicant.

(d) “TL_translation_of_Commissioner” means the Commissioner of Financial Protection and Innovation.

(e) “TL_translation_of_Control” means the possession, directly or indirectly, of the power to direct, or cause the direction of, the management and policies of a licensee under this division, whether through voting or through the ownership of voting power of an entity that possesses voting power of the licensee, or otherwise. Control is presumed to exist if a person, directly or indirectly, owns, controls, or holds 10 percent or more of the voting power of a licensee or of an entity that owns, controls, or holds, with power to vote, 10 percent or more of the voting power of a licensee. No person shall be deemed to control a licensee solely by reason of their status as an officer or director of the licensee.

(f) “TL_translation_of_Depository institution” has the same meaning as in Section 3 of the Federal Deposit Insurance Act, and includes any credit union.

(g) “TL_translation_of_Engage in the business” means the dissemination to the public, or any part of the public, by means of written, printed, or electronic communication or any communication by means of recorded telephone messages or spoken on radio, television, or similar communications media, of any information relating to the making of residential mortgage loans, the servicing of residential mortgage loans, or both. “TL_translation_of_Engage in the business” also means, without limitation, making residential mortgage loans or servicing residential mortgage loans, or both.

(h) “TL_translation_of_Federal banking agencies” means the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the National Credit Union Administration, and the Federal Deposit Insurance Corporation.

(i) “TL_translation_of_In this state” includes any activity of a person relating to making or servicing a residential mortgage loan that originates from this state and is directed to persons outside this state, or that originates from outside this state and is directed to persons inside this state, or that originates inside this state and is directed to persons inside this state, or that leads to the formation of a contract and the offer or acceptance thereof is directed to a person in this state (whether from inside or outside this state and whether the offer was made inside or outside the state).

(j) “TL_translation_of_Institutional investor” means the following:

(1) The United States or any state, district, territory, or commonwealth thereof, or any city, county, city and county, public district, public authority, public corporation, public entity, or political subdivision of a state, district, territory, or commonwealth of the United States, or any agency or other instrumentality of any one or more of the foregoing, including, by way of example, the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

(2) Any bank, trust company, savings bank or savings and loan association, credit union, industrial bank or industrial loan company, personal property broker, consumer finance lender, commercial finance lender, or insurance company, or subsidiary or affiliate of one of the preceding entities, doing business under the authority of or in accordance with a license, certificate, or charter issued by the United States or any state, district, territory, or commonwealth of the United States.

(3) Trustees of pension, profit-sharing, or welfare funds, if the pension, profit-sharing, or welfare fund has a net worth of not less than fifteen million dollars ($15,000,000), except pension, profit-sharing, or welfare funds of a licensee or its affiliate, self-employed individual retirement plans, or individual retirement accounts.

(4) A corporation or other entity with outstanding securities registered under Section 12 of the federal Securities Exchange Act of 1934 or a wholly owned subsidiary of that corporation or entity, provided that the purchaser represents either of the following:

(A) That it is purchasing for its own account for investment and not with a view to, or for sale in connection with, any distribution of a promissory note.

(B) That it is purchasing for resale pursuant to an exemption under Rule 144A (17 C.F.R. 230.144A) of the Securities and Exchange Commission.

(5) An investment company registered under the Investment Company Act of 1940; or a wholly owned and controlled subsidiary of that company, provided that the purchaser makes either of the representations provided in paragraph (4).

(6) A residential mortgage lender or servicer licensed to make residential mortgage loans under this law or an affiliate or subsidiary of that person.

(7) Any person who is licensed as a securities broker or securities dealer under any law of this state, or of the United States, or any employee, officer, or agent of that person, if that person is acting within the scope of authority granted by that license or an affiliate or subsidiary controlled by that broker or dealer, in connection with a transaction involving the offer, sale, purchase, or exchange of one or more promissory notes secured directly or indirectly by liens on real property or a security representing an ownership interest in a pool of promissory notes secured directly or indirectly by liens on real property, and the offer and sale of those securities is qualified under the California Corporate Securities Law of 1968 or registered under federal securities laws, or exempt from qualification or registration.

(8) A licensed real estate broker selling the loan to an institutional investor specified in paragraphs (1) to (7), inclusive, or paragraph (9) or (10).

(9) A business development company as defined in Section 2(a)(48) of the Investment Company Act of 1940 or a small business investment company licensed by the United States Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958.

(10) A syndication or other combination of any of the foregoing entities that is organized to purchase a promissory note.

(11) A trust or other business entity established by an institutional investor for the purpose of issuing or facilitating the issuance of securities representing undivided interests in, or rights to receive payments from or to receive payments primarily from, a pool of financial assets held by the trust or business entity, provided that all of the following apply:

(A) The business entity is not a sole proprietorship.

(B) The pool of assets consists of one or more of the following:

(i) Interest-bearing obligations.

(ii) Other contractual obligations representing the right to receive payments from the assets.

(iii) Surety bonds, insurance policies, letters of credit, or other instruments providing credit enhancement for the assets.

(i) Rated as “investment grade” by Standard and Poor’s Corporation or Moody’s Investors Service, Inc. “Investment grade” means that the securities will be rated by Standard and Poor’s Corporation as AAA, AA, A, or BBB or by Moody’s Investors Service, Inc. as Aaa, Aa, A, or Baa, including any of those ratings with “+” or “—” designation or other variations that occur within those ratings.

(ii) Sold to an institutional investor.

(D) The offer and sale of the securities is qualified under the California Corporate Securities Law of 1968 or registered under federal securities laws, or exempt from qualification or registration.

(k) “Institutional lender” means the following:

(2) Any bank, trust company, savings bank or savings and loan association, credit union, industrial loan company, or insurance company, or service or investment company that is wholly owned and controlled by one of the preceding entities, doing business under the authority of and in accordance with a license, certificate, or charter issued by the United States or any state, district, territory, or commonwealth of the United States.

(3) Any corporation with outstanding securities registered under Section 12 of the Securities Exchange Act of 1934 or any wholly owned subsidiary of that corporation.

(4) A residential mortgage lender or servicer licensed to make residential mortgage loans under this law.

(l) “Law” means the California Residential Mortgage Lending Act.

(m) “Lender” means a person that satisfies either of the following:

(1) tl: Ang tao ay o ginagawa ang lahat ng sumusunod:

(A) tl: Ang tao ay isang aprubadong nagpapautang para sa Federal Housing Administration, Veterans Administration, Farmers Home Administration, Government National Mortgage Association, Federal National Mortgage Association, o Federal Home Loan Mortgage Corporation.

(B) tl: Ang tao ay direktang gumagawa ng mga residential mortgage loan.

(2) tl: Ang tao ay alinman sa sumusunod:

(A) tl: Hindi isang natural na tao at nakikibahagi sa mga aktibidad ng isang loan processor o underwriter para sa isang residential mortgage loan ngunit hindi humihingi ng mga aplikante ng pautang, nagmumula ng mga mortgage loan, o nagpopondo ng mga mortgage loan maliban kung ang tao ay isa ring nagpapautang sa ilalim ng talata (1).

(B) tl: Isang natural na tao at isang independent contractor na nakikibahagi sa mga aktibidad ng isang loan processor o underwriter para sa isang residential mortgage loan tulad ng inilarawan sa subdivision (c) ng Seksyon 50003.6 ngunit hindi humihingi ng mga aplikante ng pautang, nagmumula ng mga mortgage loan, o nagpopondo ng mga mortgage loan maliban kung ang tao ay isa ring nagpapautang sa ilalim ng talata (1).

(n) “tl: Lisensyado” ay nangangahulugang, depende sa konteksto, isang taong lisensyado sa ilalim ng Kabanata 2 (simula sa Seksyon 50120), Kabanata 3 (simula sa Seksyon 50130), o Kabanata 3.5 (simula sa Seksyon 50140).

(o) “tl: Gumagawa o paggawa ng mga residential mortgage loan” o “tl: pagpapautang ng mortgage” ay nangangahulugang pagproseso, underwriting, o bilang isang nagpapautang na gumagamit o nagpapalabas ng sariling pondo, o paggawa ng pangako na magpapalabas ng sariling pondo, sa isang aplikante ng pautang para sa isang residential mortgage loan.

(p) “tl: Mortgage loan,” “tl: residential mortgage loan,” o “tl: home mortgage loan” ay nangangahulugang isang federally related mortgage loan tulad ng tinukoy sa Seksyon 1024.2 ng Titulo 12 ng Code of Federal Regulations, o isang pautang na ginawa upang pondohan ang pagtatayo ng isang one-to-four family dwelling.

(q) “tl: Mortgage servicer” o “tl: residential mortgage loan servicer” ay nangangahulugang isang tao na (1) ay isang aprubadong servicer para sa Federal Housing Administration, Veterans Administration, Farmers Home Administration, Government National Mortgage Association, Federal National Mortgage Association, o Federal Home Loan Mortgage Corporation, at (2) direktang nagseserbisyo o nag-aalok na magserbisyo ng mga mortgage loan.

(r) “tl: Nationwide Mortgage Licensing System and Registry” ay nangangahulugang isang sistema ng paglilisensya ng mortgage na binuo at pinananatili ng Conference of State Bank Supervisors at ng American Association of Residential Mortgage Regulators para sa paglilisensya at pagpaparehistro ng mga lisensyadong mortgage loan originator.

(s) “tl: Net worth” ay may kahulugan na nakasaad sa Seksyon 50201.

(t) “tl: Sariling pondo” ay nangangahulugang (1) salapi, corporate capital, o warehouse credit lines sa mga commercial bank, savings bank, savings and loan association, industrial loan company, o iba pang pinagmulan na mga liability item sa financial statement ng isang nagpapautang, secured man o unsecured, o (2) salapi, corporate capital, o warehouse credit lines ng affiliate ng isang nagpapautang sa mga commercial bank o iba pang pinagmulan na mga liability item sa financial statement ng affiliate, secured man o unsecured. Ang “tl: Sariling pondo” ay hindi kasama ang mga pondong ibinigay ng isang third party upang pondohan ang isang pautang sa kondisyon na ang third party ay kalaunan ay bibili o tatanggap ng assignment ng pautang na iyon.

(u) “tl: Tao” ay nangangahulugang isang natural na tao, isang sole proprietorship, isang korporasyon, isang partnership, isang limited liability company, isang asosasyon, isang trust, isang joint venture, isang unincorporated organization, isang joint stock company, isang gobyerno o isang political subdivision ng isang gobyerno, at anumang iba pang entity.

(v) “tl: Residential real property” o “tl: residential real estate” ay nangangahulugang real property na matatagpuan sa estadong ito na pinabuti ng isang one-to-four family dwelling.

(w) “tl: SAFE Act” ay nangangahulugang ang federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Public Law 110-289).

(x) “tl: Serbisyo” o “tl: pagseserbisyo” ay nangangahulugang pagtanggap ng higit sa tatlong installment payment ng principal, interes, o iba pang halaga na inilagay sa escrow, alinsunod sa mga tuntunin ng isang mortgage loan at pagsasagawa ng mga serbisyo ng isang lisensyado na may kaugnayan sa pagtanggap na iyon o sa pagpapatupad ng pagtanggap nito, sa ngalan ng may hawak ng note na nagpapatunay sa pautang na iyon.

(y) “tl: Magbenta” ay kasama ang pagpapalit, pag-aalok na ibenta, o paghingi upang ibenta.

(z) “tl: Natatanging identifier” ay nangangahulugang isang numero o iba pang identifier na itinalaga ng mga protocol na itinatag ng Nationwide Mortgage Licensing System and Registry.

(aa) tl: Para sa mga layunin ng Seksyon 50142, 50143, at 50145, ang “tl: nontraditional mortgage product” ay nangangahulugang anumang produkto ng mortgage maliban sa isang 30-year fixed rate mortgage.

(ab) Para los propósitos de la Sección 50141, “anulación de antecedentes” significa la orden subsiguiente bajo las disposiciones de la Sección 1203.4 del Código Penal que permite a dicho individuo retirar su declaración de culpabilidad y presentar una declaración de no culpabilidad, o anular el veredicto de culpabilidad o desestimar la acusación, la información o la imputación. Con respecto a las condenas penales en otro estado, se aplicará la definición de anulación de antecedentes de ese estado.

TL_translation_of_annual audit TL_translation_of_borrower TL_translation_of_institutional investor TL_translation_of_control TL_translation_of_residential mortgage loans TL_translation_of_mortgage servicer TL_translation_of_engage in business TL_translation_of_lender TL_translation_of_licensee TL_translation_of_own funds TL_translation_of_net worth TL_translation_of_SAFE Act TL_translation_of_nontraditional mortgage product TL_translation_of_expungement TL_translation_of_unique identifier

(Amended by Stats. 2022, Ch. 452, Sec. 158. (SB 1498) Effective January 1, 2023.)

Section § 50003.5

Undang-undang ini mendefinisikan siapa yang dianggap sebagai 'Penyedia Pinjaman Hipotek' dan siapa yang tidak. Penyedia pinjaman hipotek adalah seseorang yang menerima aplikasi atau menegosiasikan ketentuan untuk pinjaman hipotek residensial demi uang. Namun, tidak semua orang yang terlibat dalam proses tersebut dianggap sebagai penyedia pinjaman hipotek. Pengecualian termasuk mereka yang melakukan pekerjaan klerikal, orang yang menegosiasikan ulang pinjaman yang sudah mereka tangani sebagai karyawan, individu yang bekerja dengan rencana kepemilikan bersama waktu, karyawan pemerintah yang berlisensi, dan karyawan organisasi nirlaba dengan status bebas pajak yang memberikan kondisi pinjaman yang menguntungkan kepada peminjam.

Undang-undang ini mensyaratkan organisasi nirlaba untuk mendaftar setiap tahun untuk mempertahankan status bebas pajak mereka dan mendefinisikan kondisi tertentu di mana seorang individu harus terdaftar sebagai penyedia pinjaman hipotek. Selain itu, undang-undang ini menjelaskan peran pemroses atau penjamin emisi pinjaman sebagai staf pendukung klerikal di bawah pengawasan penyedia pinjaman hipotek yang terdaftar.

(a) “Penyedia Pinjaman Hipotek” berarti seorang individu yang, untuk kompensasi atau keuntungan, atau dengan harapan kompensasi atau keuntungan, mengambil aplikasi pinjaman hipotek residensial atau menawarkan atau menegosiasikan ketentuan pinjaman hipotek residensial.

(b) Penyedia pinjaman hipotek tidak termasuk salah satu dari berikut ini:

(1) Seorang individu yang melakukan tugas murni administratif atau klerikal atas nama seseorang yang memenuhi definisi penyedia pinjaman hipotek, kecuali sebagaimana diatur dalam subdivisi (c) dari Bagian 50003.6. Istilah “tugas administratif atau klerikal” berarti penerimaan, pengumpulan, dan distribusi informasi yang umum untuk pemrosesan atau penjaminan emisi pinjaman dalam industri hipotek dan komunikasi dengan konsumen untuk memperoleh informasi yang diperlukan untuk pemrosesan atau penjaminan emisi pinjaman hipotek residensial, sejauh komunikasi tersebut tidak termasuk penawaran atau negosiasi suku bunga atau ketentuan pinjaman, atau memberikan nasihat kepada konsumen tentang suku bunga atau ketentuan pinjaman hipotek residensial.

(2) Seorang individu yang semata-mata menegosiasikan ulang ketentuan untuk pinjaman hipotek yang ada yang dipegang atau dilayani oleh majikannya dan yang tidak bertindak sebagai penyedia pinjaman hipotek, kecuali Departemen Perumahan dan Pembangunan Perkotaan Amerika Serikat atau pengadilan yurisdiksi yang kompeten menentukan bahwa SAFE Act mensyaratkan karyawan tersebut untuk dilisensikan sebagai penyedia pinjaman hipotek berdasarkan undang-undang negara bagian yang mengimplementasikan SAFE Act.

(3) Seorang individu yang semata-mata terlibat dalam perpanjangan kredit yang berkaitan dengan rencana kepemilikan bersama waktu, sebagaimana istilah tersebut didefinisikan dalam Bagian 101(53D) dari Judul 11 Kode Amerika Serikat.

(4) Seorang individu yang dilisensikan sebagai penyedia pinjaman hipotek sesuai dengan Pasal 2.1 (dimulai dengan Bagian 10166.01) dari Bab 3 Bagian 1 Divisi 4 dari Kode Bisnis dan Profesi dan SAFE Act.

(5) Seorang individu yang merupakan karyawan lembaga pemerintah federal, negara bagian, atau lokal atau lembaga keuangan perumahan dan yang bertindak sebagai penyedia pinjaman hanya sesuai dengan tugas resminya sebagai karyawan lembaga pemerintah federal, negara bagian, atau lokal atau lembaga keuangan perumahan.

(A) Untuk tujuan paragraf ini, istilah “karyawan” berarti seorang individu yang cara dan sarana pelaksanaan pekerjaannya tunduk pada hak kontrol dari, atau dikendalikan oleh, seseorang, dan yang kompensasinya untuk tujuan pajak penghasilan federal dilaporkan, atau diwajibkan untuk dilaporkan, pada formulir W-2 yang dikeluarkan oleh orang yang mengendalikan.

(B) Untuk tujuan paragraf ini, istilah “lembaga keuangan perumahan” berarti otoritas mana pun:

(i) Yang didirikan oleh negara bagian untuk membantu memenuhi kebutuhan perumahan terjangkau bagi penduduk negara bagian tersebut.

(ii) Yang diawasi secara langsung atau tidak langsung oleh pemerintah negara bagian.

(iii) Yang tunduk pada audit dan peninjauan oleh negara bagian tempatnya beroperasi.

(6)

(A) Seorang karyawan organisasi nirlaba bona fide yang secara eksklusif menginisiasi pinjaman hipotek residensial untuk organisasi nirlaba bona fide, dan yang bertindak sebagai penyedia pinjaman hipotek hanya sehubungan dengan pinjaman hipotek residensial dengan ketentuan yang menguntungkan bagi peminjam.

(B) Untuk memenuhi syarat pengecualian berdasarkan paragraf ini, organisasi nirlaba bona fide berdasarkan paragraf ini harus mendaftar ke departemen pada formulir yang ditentukan oleh komisaris, bersama dengan dokumentasi semua hal berikut paling lambat 31 Desember setiap tahun:

(i) Status organisasi bebas pajak berdasarkan Bagian 501(c)(3) dari Kode Pendapatan Internal tahun 1986.

(ii) Bahwa organisasi tersebut mempromosikan perumahan terjangkau atau menyediakan pendidikan kepemilikan rumah atau layanan serupa.

(iii) Bahwa organisasi tersebut melakukan kegiatannya dengan cara yang melayani tujuan publik atau amal, bukan tujuan komersial.

(iv) Bahwa organisasi tersebut menerima pendanaan dan pendapatan, dan membebankan biaya dengan cara yang tidak mendorong organisasi atau karyawannya untuk bertindak selain demi kepentingan terbaik kliennya.

(v) Bahwa organisasi tersebut memberikan kompensasi kepada karyawan dengan cara yang tidak mendorong karyawan untuk bertindak selain demi kepentingan terbaik kliennya.

(vi) Bahwa organisasi tersebut menyediakan kepada, atau mengidentifikasi untuk, peminjam pinjaman hipotek residensial dengan ketentuan yang menguntungkan bagi peminjam dan sebanding dengan pinjaman hipotek dan bantuan perumahan yang disediakan di bawah program bantuan perumahan pemerintah.

(vii) Bahwa organisasi tersebut disertifikasi oleh Departemen Perumahan dan Pembangunan Perkotaan Amerika Serikat sebagai konselor perumahan yang semata-mata terlibat dalam layanan konseling perumahan tradisional, jika berlaku.

(C) Komisyoncu, iyi niyetli kar amacı gütmeyen kuruluşun faaliyetleri hakkında periyodik olarak raporlar talep edebilir ve kar amacı gütmeyen kuruluşun defterlerini ve kayıtlarını Amerika Birleşik Devletleri Konut ve Kentsel Kalkınma Bakanlığı'nın veya Tüketici Finansal Koruma Bürosu'nun herhangi bir halef rehberliği veya gerekliliğine uygun olarak inceleyecektir. Kar amacı gütmeyen kuruluş, alt paragraf (B) uyarınca gerekli belgeleri sağlamazsa veya alt paragraf (B) kapsamındaki kriterleri karşılamaya devam etmezse, komisyoncu, kar amacı gütmeyen kuruluşun tescilli iyi niyetli kar amacı gütmeyen kuruluş statüsünü iptal edebilir.

(D) Konut ipotek kredilerinin borçlu için uygun şartlara sahip olması için, şartlar ticari bir bağlamdan ziyade, kamusal veya hayırsever bir bağlamda kredi başlangıcı ile tutarlı olmalıdır.

(E) Komisyoncu, belirlemelerini ve incelemelerini yaparken aşağıdakilerin alınmasına ve gözden geçirilmesine güvenebilir:

(i) Federal, eyalet veya yerel konut kurumları ve otoritelerine sunulan raporlar.

(ii) Komisyoncu tarafından kural veya emirle belirlenen raporlar ve tasdikler.

(1) İpotek kredisi başlatıcısı tanımını karşılar.

(2) Bir mevduat kurumunun, bir mevduat kurumu tarafından sahip olunan ve kontrol edilen ve federal bir bankacılık kurumu tarafından düzenlenen bir iştirakin veya Çiftlik Kredisi İdaresi tarafından düzenlenen bir kurumun çalışanıdır.

(3) Ulusal İpotek Lisanslama Sistemi ve Sicili'ne kayıtlıdır ve bu sistem aracılığıyla benzersiz bir tanımlayıcıya sahiptir.

(d) “Kredi işlemcisi veya sigortacısı”, eyalet tarafından lisanslanmış bir ipotek kredisi başlatıcısının veya tescilli bir ipotek kredisi başlatıcısının yönlendirmesi altında ve denetimi ve talimatlarına tabi olarak bir çalışan olarak büro veya destek görevlerini yerine getiren bir kişiyi ifade eder.

penyedia pinjaman hipotek pinjaman hipotek residensial tugas administratif tugas klerikal negosiasi ulang ketentuan rencana kepemilikan bersama waktu organisasi nirlaba bona fide organisasi bebas pajak perumahan terjangkau ketentuan pinjaman yang menguntungkan lembaga keuangan perumahan penyedia pinjaman hipotek terdaftar lembaga penyimpanan Sistem Lisensi Hipotek Nasional pemroses pinjaman

(Amended by Stats. 2012, Ch. 264, Sec. 10. (AB 2666) Effective January 1, 2013.)

Section § 50003.6

Hukum ini menyatakan bahwa pemroses pinjaman atau penjamin emisi tidak perlu memiliki lisensi sebagai originator pinjaman hipotek jika mereka tidak secara publik mengklaim dapat melakukan kegiatan originator pinjaman. Ini berarti mereka tidak boleh menggunakan materi promosi apa pun yang menyiratkan kemampuan tersebut.

Jika seseorang hanya bekerja sebagai pemroses pinjaman atau penjamin emisi, mereka tidak boleh mengatakan kepada publik, melalui iklan atau cara lain, bahwa mereka dapat menangani pinjaman hipotek.

Namun, kontraktor independen memerlukan lisensi khusus untuk bekerja sebagai pemroses pinjaman atau penjamin emisi untuk hipotek residensial. Ini termasuk lisensi pemberi pinjaman atau penyedia layanan hipotek residensial dan lisensi originator pinjaman hipotek.

(a) Pemroses pinjaman atau penjamin emisi yang tidak menyatakan kepada publik, melalui iklan atau cara lain untuk mengkomunikasikan atau memberikan informasi, termasuk penggunaan kartu nama, alat tulis, brosur, tanda, daftar suku bunga, atau barang promosi lainnya, bahwa individu tersebut dapat atau akan melakukan salah satu kegiatan originator pinjaman tidak diwajibkan untuk memiliki lisensi sebagai originator pinjaman hipotek.

(b) Seorang individu yang hanya terlibat dalam kegiatan pemroses pinjaman atau penjamin emisi tidak boleh menyatakan kepada publik, melalui iklan atau cara lain untuk mengkomunikasikan atau memberikan informasi termasuk penggunaan kartu nama, alat tulis, brosur, tanda, daftar suku bunga, atau barang promosi lainnya, bahwa individu tersebut dapat atau akan melakukan salah satu kegiatan originator pinjaman hipotek.

(c) Kontraktor independen tidak boleh terlibat dalam kegiatan pemroses pinjaman atau penjamin emisi untuk pinjaman hipotek residensial kecuali pemroses pinjaman atau penjamin emisi kontraktor independen tersebut memperoleh dan memelihara lisensi pemberi pinjaman hipotek residensial atau penyedia layanan hipotek residensial dan lisensi originator pinjaman hipotek berdasarkan divisi ini.

pemroses pinjaman penjamin emisi representasi publik originator pinjaman hipotek persyaratan lisensi pembatasan iklan materi promosi kontraktor independen pemberi pinjaman hipotek residensial penyedia layanan hipotek residensial kegiatan pemrosesan pinjaman kegiatan penjaminan emisi pengecualian lisensi lisensi hipotek kepatuhan regulasi

(Added by Stats. 2009, Ch. 160, Sec. 49. (SB 36) Effective October 11, 2009.)

Section § 50004

Bagian ini menjelaskan bahwa ketika istilah “penipuan,” “kecurangan,” dan “menipu” digunakan dalam konteks keuangan, istilah-istilah tersebut tidak dibatasi pada definisi dari hukum umum. Ini berarti bahwa istilah-istilah ini dapat diartikan lebih luas di luar definisi hukum tradisional.

“Penipuan,” “kecurangan,” dan “menipu” tidak terbatas pada penipuan atau kecurangan hukum umum.

definisi penipuan interpretasi kecurangan kecurangan keuangan interpretasi luas terminologi hukum menipu dalam keuangan penipuan hukum umum pelanggaran keuangan aktivitas penipuan praktik penipuan regulasi keuangan interpretasi undang-undang perluasan penipuan pengecualian kecurangan undang-undang penipuan keuangan

(Added by Stats. 1994, Ch. 994, Sec. 7. Effective January 1, 1995. Section operative January 1, 1996, pursuant to Section 50601 (later repealed).)

Section § 50005

Bu bölüm, Kaliforniya Anayasası'na dayanarak belirli düzenlemelerden veya gerekliliklerden muaf olan bir grup insanı belirler.

muaf kişiler Kaliforniya Anayasası XV. Madde mali düzenlemeler muafiyet sınıfı düzenleyici gereklilikler anayasal yetkilendirme yasal muafiyetler mali denetim yetkili grup yasal statü muafiyeti 1. Bölüm yetkilendirmesi

(Amended by Stats. 1995, Ch. 564, Sec. 7. Effective January 1, 1996.)

Section § 50006

Sinasabi ng batas na ito na sinumang sakop nito ay hindi maaaring gumamit ng mga salitang tulad ng “bangko,” “tiwala,” “tagapangasiwa ng tiwala,” o “samahan ng pautang” sa kanilang pangalan. Gayunpaman, hindi ito nalalapat sa mga taong opisyal na lisensyado sa ilalim ng Batas sa Pagbabangko o Batas sa Samahan ng Pagtitipid.

Walang sinumang sakop ng batas na ito ang gagamit sa pangalan nito ng “bangko,” “tiwala,” “tagapangasiwa ng tiwala,” “samahan ng pautang,” o mga kaugnay na termino. Ang seksyong ito ay hindi nalalapat sa sinumang lisensyado sa ilalim ng Batas sa Pagbabangko o Batas sa Samahan ng Pagtitipid.

paghihigpit sa pagpapangalan ng negosyo paggamit ng mga termino sa pagbabangko mga kombensyon sa pagpapangalan institusyong pinansyal paglilisensya ng bangko mga patakaran ng kumpanya ng tiwala pagpapangalan ng samahan ng pautang hindi awtorisadong paggamit ng mga terminong pinansyal mga lisensyadong entidad ng pagbabangko mga limitasyon sa pagpapangalan mga karapatan sa pagpapangalan pagsunod sa marketing regulasyon ng mga pangalang pinansyal

(Added by Stats. 1994, Ch. 994, Sec. 7. Effective January 1, 1995. Section operative January 1, 1996, pursuant to Section 50601 (later repealed).)