Course Objectives

California remains one of the most heavily regulated mortgage markets in the country—and one of the most closely watched by both state and federal regulators. Each year, the Department of Financial Protection and Innovation (DFPI), the California Civil Rights Department (CRD), and the California Privacy Protection Agency (CPPA) update their enforcement priorities to address emerging risks in lending, advertising, borrower communication, and data privacy. For mortgage professionals, staying ahead of these changes is not optional; it is essential to protecting consumers, upholding professional standards, and maintaining licensure.
This course provides mortgage loan originators with a clear, practical, and up-to-date understanding of California’s most critical compliance requirements for 2026. Over the next hour, you will explore the enforcement patterns, regulatory updates, and risk themes that shape how MLOs must operate in a modern lending environment dominated by digital marketing, automated tools, remote workflows, and heightened consumer expectations.

By the end of this course, you will have the knowledge and tools to:

• ‍‍Recognize and avoid high-risk behaviors that lead to DFPI enforcement
• Ensure bias-free borrower interactions and inclusive digital practices
• Handle borrower data lawfully and securely under California privacy law
• Navigate examinations, audits, and complaint escalations with confidence
• Strengthen your professionalism, documentation, and borrower trust