6-Hour Program

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Nationally, homeowners remain vulnerable to unfair and predatory financing abuses.  Some need to refinance an existing loan to improve their loan terms and make it more affordable.  Many need to make home repairs or decide to make energy efficient improvements, such as installing solar panels to reduce their energy bills and seek financing for that purpose.  People of color, women, immigrants, people with disabilities and other vulnerable residents who are homeowners, especially if they are seniors, find themselves targeted for abusive door-to-door sales marketing scams (including home energy scams), abusive and dangerous financing that is likely to lead to foreclosure on the family home, and shoddy work by contractors followed by unwarranted collections efforts.  This session will provide an introduction to the legal rights and options of homeowners who have been targeted for such abuses and a guide to addressing and remedying abuses using consumer and fair housing laws, with a focus on California-specific issues.

What You Will Learn
  • Warning signs of fair lending problems when seeking financing
  • Issues that arise in home improvements financed under Property Assessed Clean Energy (PACE) programs
  • Key legal claims that homeowners can pursue to remedy home improvement contractor and financing abuses
  • Litigation and non-litigation approaches to resolving disputes, including pursuing administrative remedies with state and federal agencies like the California Department of Business Oversight and the U.S. Department of Housing and Urban Development
  • Updates on recent legislative and regulatory developments and activity in California, particularly concerning PACE programs

  • Credit Details

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