California Finance Lenders Law

What's New

• 02/03/11 - The 2011 Residential Mortgage Loan Report Form and updated FAQs are now available
• 01/31/12 - The 2011 CFL Annual Report Instructions and Forms are now available.
• 11/30/11 - The California Corporations Commissioner adopted Sections 1580 through 1596 of Title 10 of the California Code of Regulations, which implement the Pilot Program for Affordable Credit-Building Opportunities (SB 1146, Chap. 640, Stats 2010) under the California Finance Lenders Law.  This regulatory action was filed with the Secretary of State on November 21, 2011 and becomes effective on December 21, 2011.  (PRO 14/10)

Licensee Information

• About the Law
• Who is required to obtain a Finance Lenders License or Branch License under the Finance Lenders Law?,
• How do I apply for a Finance Lenders License or Authorize a Branch Office under the Finance Lenders Law?
• Requirements after a Finance Lenders License has been Issued
• How Do I Amend a Finance Lenders License or a Branch Office License under the Finance Lenders Law?
• How Do I Surrender a Finance Lenders License or a Branch Office License under the Finance Lenders Law?
• Forms
• Frequently Asked Questions
• Regulations, Legislation, Opinions, Releases
• Publications

Information on CFL licensing requirements for companies and branches engaged in making or brokering loans secured by residential real property is also available in NMLS.

 An application for a license under the California Finance Lenders Law for residential mortgage providers (mortgage lenders, brokers, mortgage lenders and brokers, and mortgage loan originators) should be filed through the Nationwide Mortgage Licensing System (NMLS).

Please visit NMLS for additional information.  Click here for state licensing requirements specific to the California Department of Corporations.

Affordable Credit Building Opportunities Pilot Program

• About the Program
• Who may Apply for the Pilot Program
• The Application Process
• Forms
• Regulations

Consumer Information

• Information
• Search the Licensee Listing

Information on persons licensed under CFL that are engaged in making or brokering loans secured by residential real property is also available in NMLS Consumer Access.

NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed mortgage companies, branches and individuals currently licensed through NMLS.