San Bernardino and Riverside Counties

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

Topics

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.

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Fair Lending

Discrimination in mortgage lending is prohibited by the federal Fair Housing Act and HUD's Office of Fair Housing and Equal Opportunity actively enforces those provisions of the law.

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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.

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