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"We Need Your Support - If CFLA Loses Against the CFPB's Bogus Claims Every Homeowner in America Loses & Every Attorney, Paralegal, Auditor, or Broker Working in Foreclosure Defense Loses - We Need Your Support"

cfla.com | September 27, 2019

WHAT'S GOING ON THAT I SHOULD KNOW ABOUT?

The Bureau of Consumer Financial Protection the self proclaimed "watchdog" of the foreclosure industry under Regulation O; 12 CFR 1015, has filed suit against the Bloomberg Securitization Audit for the purposes of Censoring the Public of the Trillion Dollar Banking Scam by attacking legitimate access to the Financial Data of the Worthless Mortgage Backed Securities Trusts that are all mostly in Default Status and thus preventing homeowners from recovery or compensation for loss.

The Consumer Financial Protection Bureau’s stated mission is “A central part of the CFPB’s mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace” In or about October 15, 2018 CFLA, sent a Freedom of Information Act Request to the CFPB requesting copies of any and all complaints submitted to the FTC or CFPB referencing “CFLA” or regarding “CFLA” at any time since 2010.

The CFPB produced its responsive documents to this request on or about March 7, 2019. The results of this FOIA Request yielded great information about the nature of the complaints from consumers concerning CFLA. Interesting to learn that the FTC and the CFPB had received 43 complaints regarding CFLA, however, only 3 of these complaints had CFLA named as the party/entity that the complaint was against. In fact, the far standing majority of these complaints were as against Banks / Servicers, or other banking institutions as against CFLA.

Download CFLA FOIA Response (PDF)

CFLA can prove that from 2002-2010 worthless mortgage backed securities trusts from the Major Banks Such as Bank of America, Wells Fargo, JP Morgan Chase, PNC Bank, as well as Under Writers Goldman Sachs, Bear Sterns, Bank of American, Barclays Capital and others were issued on more than 90% of Mortgages in 2002-2010 (article states $291 Billion of Mortgage Backed Securities Issued in 2009) another article states that $90 Billion in Commercial Mortgage Backed Securities Issued 2009; with the top Originators all Government Sponsors and Owners including Fannie Mar, Freddie Mac, and Ginne Me (in 2009), were dumped into the "stock market" as "Asset Backed Securities" with Moodys Rating these "mortgage backed securities" as "AAA rated" meaning they were the safest investments in the market place for consumers and investors, and banks.

However, these Underwriters, Big Banks, Moodys, all knew this fraudulent "AAA rating" was merely a scam to attack the common and middle class american's portfolio or retirement 401K fund. So when these funds were blended into Federal Employees 401K retirement funds, in most cases without any knowledge to the investor/ consumer, or at least without full knowledge of what the security contained, its was Easy for these Banks and Underwriters to dispose of "AAA Rated Trash Junk Securities" which they did to the tune of nearly a hundred trillion dollars.

Then - in nearly every scenario - in which they underwrote these worthless mortgage backed securities these Big Banks and Underwriters Purchased "Credit Default Swap Policies and Insurance" that would multiply in value when these very same mortgage backed securities defaulted as they knew they ultimately would. A Credit Default Swap is essentially the reverse function of stock - for every dollar your stock goes up, you earn a dollar; but for every dollar the stock goes down, the credit default swap party earns a dollar and continues to earn until the stock is worthless.

Soon these residential and commercial mortgage backed securities began to default due to a 20-30% default risk on mortgages contained in these worthless mortgage backed securities trusts, the BIG BANKS, UNDERWRITERS, and GOVERNMENT made tax free (residential mortgage backed securities trusts have IRS TAX EXEMPTIONS) money from issuing out a hundred trillion dollars or more in mortgage backed securities trusts, and getting that value back in "credit default swap policies" as evidenced in the BIG SHORT MOVIE; but that was not all, the American People that purchased these worthless securities were stuck with them in most cases until the end, while more sophisticated investors dumped these stocks to less sophisticated investors, over and over until the "worthless mortgage backed securities" went into default or value went to default, meaning they became worthless and the entire investment was lost.

Now, since this, common Americans had 401K retirements that were blended with 2-40 other investments" the "total loss" that they took on the 401K retirement was absorbed by other securities contained in their portfolio, so the loss was only a small percentage throughout the entire portfolio. With the Housing Market being a very large percentage of the entire US Economy (maybe 20-30%, this was a finely executed FRAUD by Big Banks, Underwriters, and Government which netted into a $100 Trillion trimming of the assets from the American Economy TAX FREE that went straight to the pockets of the wealthiest Bankers & Politicals in the Country, all the while the Average American TaxPayer who is counting on his 401K to bring his family through retirement, absorbed the losses all around the country.

Did your 401K go down during this time frame (2002 - 2010)? Probably so...

WHAT IS A BLOOMBERG SECURITIZATION AUDIT REPORT?

ANDREW LEHMAN is the founder of what is currently known as "The Bloomberg Securitization Audit" which is a practice of using the Bloomberg System to trace mortgages all the way back to their mortgage trust that purchased it. Mr. Lehman discovered ways to reverse engineer these trusts back to specific individuals who brokered or profited from these trusts that were initially fraudulently rated as Asset backed Securities and Given AAA rating from Moodys. So investors purchased them as safe asset back investments with low returns and had no idea that now more than 70% of these mortgage trusts are either (1) defaulted entirely, or (2) F-rated by Moodys. Who lost? The average american absorbed the loss. The CFPB Does Not want YOU to know that!!! The BANKS pulled off the largest economic scam of this era but Political Groups now want to sweep under the rug.

Certified Forensic Loan Auditors [herein "CFLA"] is a Business to Business Provider of Bloomberg Securitization Audits & Forensic Loan Audits Since 2007. CFLA Provides Bloomberg Securitization Audits Wholesale, which includes all of the following information:

  • The (1) Securitization Participants which lists all the interested parties by name and address, including: (a) originator, (b) sponsor, (c) depositor, (d) issuing entity, € trustee, (f) master servicer.
  • (2) Thereafter the Bloomberg Securitization Audit contains the RMBS Trust Pooling & Servicing Agreement (for public trusts, or the Prospectus Supplement for the private trusts). Relevant sections of the Pooling & Servicing Agreement are highlighted in YELLOW such as sections on Assignments and Transfers
  • (3) Next is the Recorded Chain of Mortgage Possession which will list each recorded document contained in the public record since the original mortgage on the property including detailed information such as County, State, Instrument #s, dates, loan #s, and description of event (e.g. Assignment of the deed of trust from BOA to RALLY TRUST 2007-5?)
  • (4) Following is the Report Summary which summarizes potentially improper (1) assignments, (2) notaries, (3) signatures, (4) other recorded events such as notices of sale, etc.
  • The next Section is on (5) ROBOSIGNING & FRAUD SECTION. In this section we identify each potential signatory that may be an issue and bring the actual signature and actual document and incorporate by reference into the report.
  • (6) Than the BLOOMBERG SCREENS SHOTS OF THE MORTGAGE TRUST Claiming ownership of the consumer‘s mortgage. The Bloomberg Screenshots and the info contained therein is client scenario specific. These include:
    • (1) Non-Agency Mortgage Loan Find (LFND) The name of the Securitized Trust, the loan number, and group it belongs to: (e.g.
    • (2) DESCRIPTION OF SECURITY FROM BLOOMBERG,
    • (3) RATINGS HISTORY SCREEN SHOWING ISSUE DATE OF CERTIFICATES,
    • (4) DEAL DESCRIPTION,
    • (5) ORIGINAL COLLATERAL Characteristics,
    • (6) STRUCTURED FINANCE NOTES SCREEN,
    • (7) STRUCTURAL SUMMARY SECTION PERTAINING TO TRUST INCLUDING CREDIT ENHANCEMENTS,
    • (8) TRUST OVERVIEW,
    • (9) LOAN LEVEL DETAIL
    • (10) CUMULATIVE FORGIVENESS AND CUMULATIVE CAPITALIZATION
    • (11) VIEW ALL LOAN CLASSES SCREEN
    • (12) LOAN COLLATERAL PERFORMANCE
    • (13) STRUCTURED PAYDOWN ANALYSIS CFLA PRELIMINARY SUMMARY OF LEGAL ARGUMENTS AGAINST THE CFPB LAWSUIT Page 26
    • (14) BLOOMBERG LAW SEARCH FOR CURRENT DOCKETS INVOLVING THE J.P. MORGAN MORTGAGE ACQUISITION TRUST 2006-NC2,
    • (15) RESULTS OF BLOOMBERG LAW SEARCH FOR CURRENT DOCKETS INVOLVING THE J.P. MORGAN MORTGAGE ACQUISITION TRUST 2006- NC2
    • (16) BLOOMBERG LAW SEARCH FOR CURRENT DOCKETS INVOLVING JOSEPH LAFONTANT
    • (17) RESULTS OF BLOOMBERG LAW SEARCH FOR CURRENT DOCKETS INVOLVING JOSEPH LAFONTANT
    • (18) RESULTS OF BLOOMBERG LAW SEARCH FOR CURRENT DOCKETS INVOLVING CONSUMER

After these (17) Consumer Specific Bloomberg Financial Data Screenshots are highlighted in the Securitization Audit and illustrated in the report, than the following sections (1) PROSPECTUS PULLED FROM BLOOMBERG, LP, (2) CORPORATE TRUSTEE CONTACT INFORMATION AND EXTRACT OF RECENT INVESTOR STATEMENT, (3) Conclusion, Disclaimer than the sworn and notarized Affidavit of the CFLA Expert.

As you can see, the CFLA Bloomberg Property Securitization Audit is a VAST amount of information for the attorney to quickly be able to understand the following info without having to do extensive reearch on his own with expensive software / hardware:

  • (1) Name of the Owner of the Consumer‘s Mortgage,
  • (2) Summary of Parties,
  • (3) Chain of title,
  • (4) Bloomberg Screenshots Illustrated financial data of the mortgage trust claiming ownership,
  • (5) Other cases involving the parties,
  • (6) The recorded CHian of Mortgage Posssession,
  • (7) Summary of Findings,
  • (8) Pooling & Servicing Agreement,
  • (9) Prospectus Supplement,
  • (10) Corporate trustee contact info,
  • (11) Disclaimer, and
  • (12) Sworn Affidavit of Expert Witness attesting to facts. There are no legal cases or legal citations or case law contained in any place on the report and the affidavit contains onlt factual findings and not opinions or conclusions of law.

CFLA EXPLAINS QUIET TITLE PACKAGE

DO THE BLOOMBERG SECURITIZATION AUDITS WORK OR ARE THEY A SCAM AS THE CFPB CLAIMS?

Well, let me allow some of the Leading Professional's (i.e. Attorney Practicing Foreclosure Defense] tell you straight from their statements to the CFPB Directly:

"I am an attorney licensed to practice law in all courts in the State of California. Foreclosure Defense is my main practice area and has been so for the past 7 years. I regularly teach continuing education State Bar Seminars in California and Nevada on the topic I have anywhere from 75 to 100 active foreclosure cases at a time.

Securitization Audits benefit my practice for each of the following reasons:

  • (1) Securitization Audits can advise if a loan has been transferred on the secondary market, and if so
  • (2) Whether that secondary market transfer was done properly,
  • (3) The Audit will provide which trust that the mortgage was pooled into,
  • (4) Auditor is a competent witness that can testify as to the contents of the audit and his findings,
  • (5) … the Audit can provide a basis to go to court and at times stop the nonjudicial foreclosure sale,
  • (6) Very effective in judicial foreclosure states where the bank has to prove standing to foreclose,
  • (7) In Judicial foreclosure states the securitization report is pivotal to showing the court the broken chain of title,
  • (8) The value of the Audit is always going to be case specific but generally speaking especially if the borrower does not already have claims they will need a securitization audit in order to challenge the non-judicial foreclosure sale."
—Patricia Rodriguez, Esq Foreclosure Defense Attorney, California
(75+ Clients)

A very successful Foreclosure Defense Attorney in the State of Texas opined on the issue directly to the CFPB as follows:

"I am writing in support of mortgage loan securitization audits produced by Certified Forensic Loan Auditors (CFLA). I am an attorney is Houston, Texas with a real estate law practice. I have practiced foreclosure defense law almost exclusively since 2013. From 2013 through 2015 I practiced as a partner at the firm of Jackson & Elrod, LLP. From 2016 to present I have practiced as Jeffrey Jackson & Associates, LLP and Jeffrey Jackson & Associates, PLLC. At any given time between 2013 and present I have had thirty to fifty active foreclosure-related cases in state and federal courts in and around Houston, Texas and other cases in other areas of Texas. I am a member in good standing with the Texas State Bar with no record of disciplinary history.

I have utilized CFLA‘s loan securitization audits since 2013 as a litigation tool. (1) The highest value of the audits to me is the Bloomberg search and the resulting chain of title report. (2) Of secondary value is the title search report. The audits come notarized by the researcher and therefore can be used as evidence in ex parte CFLA PRELIMINARY SUMMARY OF LEGAL ARGUMENTS AGAINST THE CFPB LAWSUIT Page 22 temporary restraining order hearings to stop pending non-judicial foreclosure sales.

In my Primary Law Practice, Securitization Audits are successful for each of the following reasons:

  • (1) Texas law allows a borrower or some other party on title to a property encumbered by a mortgage lien to sue the party attempting foreclosure alleging the party is not the rightful owner or holder of the loan as a realparty-in-interest. Miller v. Homecomings Financial, 881 F.Supp.2d 825, 828-29 (S.D. Tex. 2012).
  • (2) A party must show an unbroken chain of title of a mortgage note to have standing to foreclose under Texas law. McCarthy v. Bank of America, NA, 2011 WL 6754064, at *3-4 (N.D. Tex. 2011).
  • (3) Texas has always followed the common-law maxim (now codified), that ?the mortgage follows the note.? See Everbank, N.A. v. Seedergy Ventures, Inc., 499 S.W.3d 534, 538-39 (Tex. App.–Houston [14th Dist.] 2016, no pet.) (citing Tex. Bus. & Com. Code § 9.203(g)).
  • (4) The borrower or other owner of a property may allege an assignment or transfer is in violation of an applicable Pooling and Servicing Agreement for a securitized trust. Saldivar vs. JPMorgan Chase Bank, N.A., 2013 WL 2452699, at *4-5 (S.D. Tex. Bnkr. 2013); Lamell v. OneWest Bank, FSB, 485 S.W.3d 53, 60 (Tex. App.–Houston [14th Dist.] 2015, no pet.); Glaski v. Bank of America, National Association, 218 Cal.App.4th 1079, 1096-97, 2013 WL 4037310 (Cal. App. 2013).
  • (5) Securitized trusts frequently do not name themselves on publicly recorded assignments; instead they chose to hide behind their mortgage servicers. The CLFA audits are particularly helpful when they identify the subject loan in a particular securitized trust. Many times, the CFLA audit is the only way I can identify which securitized trust to sue to stop a non-judicial sale.
  • (6) In addition to identifying a trust, the audits also identify the securitization parties to the trust. These parties are in the chain of transfers that nearly every Pooling and Servicing Agreement requires in order for the securitized trust to maintain its pass-through and bankruptcy remote status under the IRS Tax Code. See 26 U.S.C. §860G et. seq.
  • (7) Without the audit, there is more often than not no way for me to identify the trust and the securitization parties for the trust before a lawsuit is filed.
  • (8) I use the audits' title search report to double-check my own title searches. In addition to chain-of-title-claims, I make claims that recorded mortgage assignments and substitutions of trustees are fraudulent or forged. See e.g. Vazquez v. Deutsche Bank Nat. Trust Co., N.A., 441 S.W.3d 783 (Tex. App.–Houston [1st Dist.] 2014, no pet.). Sometimes the audits find recordings related to loans that I or my staff has missed. We are not perfect in our title searches and the audits provide a backup to our own work that is important to my practice. CFLA PRELIMINARY SUMMARY OF LEGAL ARGUMENTS AGAINST THE CFPB LAWSUIT Page 23
  • (9) Until binding precedent prevents me from bringing claims in state court actions, I will continue to rely on CFLA‘s audits as an important tool in my practice. (10) In conclusion, if CFLA is somehow prevented from selling its securitization audits, it would be disappointing to me and it would have an impact on my practice. I can think of nothing more American that the right to know who actually claims to own your mortgage loan."
—Jeffrey Jackson, Esq.

WHAT ABOUT THE END USERS? THE HOMEOWNERS? ARE THEY HAPPY? HAVE THEY EXPERIENCED POSITIVE RESULTS?

We have produced letters from licensed attorneys in multiple jurisdictions that cited the "Securitization Audit" as being crucial to asserting their claims and defenses in litigation on behalf of clients. Further, CFLA has provided actual cases to the CFPB where CFLA testifying witnesses aided the trier of fact in awarding damages claims as against the Banks, as well as cases where the Banks reach confidential settlements with homeowners after the testimony of a CFLA expert wherein the homeowner was awarded their house free and clear by way of the bank executing a satisfaction of mortgage in exchange for the homeowner filing a dismissal of claims with prejudice.

CFLA Has More than 100 Actual Written Testimonials from CFLA Clients Regarding:

  • (1) Successful Confidential Settlements they have obtained from their Lenders,
  • (2) success in stopping, posponing, or canceling out a Foreclosure Sale after using the product, and even
  • (3) A Hand-full of Cases wherein the Homeowner actually got their house free and Clear by way of a Confidential Settlement Agreement wherein the Lender Promises to Record a Satisfaction of Mortgage on their property in exchange for the Homeowner dismissing their Claims or Cross-Claims as against the Lender.

CFLA Expert's have testified on more than 20 Occassions as an Expert Witness and on at least two of these cases the CFLA Client Attorney was successful in achieving a Full Quiet Title- YES THAT MEANS YOU GET YOUR HOUSE FREE AND CLEAR!! (this is not a common occurence and will depend on the gravity of the facts in your case and we certainly do not guarantee or represent this as a potential outcome)

WHY IS CFLA BEING TARGETED IN THIS LAWSUIT BY THE CFPB?

We have been the leader for compliance in the industry of Forensic Loan Auditing, and Bloomberg Securitization Audits since 2007 (well before the birth of the CFPB)

  • (3) distributed the MARS rules to all graduates;
  • (8) Additionally, we require all of our clients to execute very strict SERVICE AGREEMENTS);
  • (9) We have been around since 2007, while the CFPB was recently created in 2011 and giving authority over the mortgage services industry in or about 2012 despite its current formation being Unconstitutional;

SO WHAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU "CFPB" PRIMARY ROLE ?

With an estimated Annual Cost to the US Taxpayer of more than $10 Billion Dollars, The Consumer Financial Protection Bureau’s [hereinafter "CFPB"] stated mission is “A central part of the CFPB’s mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace” In or about October 15, 2018 CFLA, sent a Freedom of Information Act Request to the CFPB requesting copies of any and all complaints submitted to the FTC or CFPB referencing “CFLA” or regarding “CFLA” at any time since 2010.

The CFPB produced its responsive documents to this request on or about March 7, 2019. The results of this FOIA Request yielded great information about the nature of the complaints from consumers concerning CFLA. Interesting to learn that the FTC and the CFPB had received 43 complaints regarding CFLA, however, only 3 of these complaints had CFLA named as the party/entity that the complaint was against. In fact, the far standing majority of these complaints were as against Banks / Servicers, or other banking institutions as against CFLA. Of the 3 complaints listed in the entire CFPB database regarding CFLA, 2 of them had already been refunded in their entirety, and only one consumer, a resident of the North Pole Alaska’s complaint still remained unresolved due to his difficulty contacting him and trying to issue his refund or even find wherein or if he even existed.

See CFLA FOIA Response (PDF)

SO WHY IS THE CFPB GOING AFTER CFLA - A COMPANY THAT HELPS CONSUMERS & HAS EXCELLENT LONG STANDING PROFESSIONAL REPUTATION?

As you can see from Certified Forensic Loan Auditors, LLC [herein "CFLA"] Better Business Bureau's A+++ Rating; CFLA does everything in it's power to help people and resolve any complaints from its customers.

Did you know that there are individuals in the Highest Positions of Banking & Federal Government offices that profited Trillions of Dollars right to their pocket from brokering worthless Mortgage Backed Securities Trusts in the securities markets? Did you know who purchased these worthless investments?

CFLA has evidence to show that a very large portion of these worthless mortgage backed securities trusts were dumped into Federal Employees 401K retirement funds that were blended with other mutual funds to help absorb the loss.

Why did your 401K go down in the 2005-2012 time frame???? Well that was so that these Big Government Folks could pocket trillions of dollars.. If every one of the 1,000,000 Federal Employees each had a $10,000.00 loss blended into their 401K than that represents $10 trillion dollars of FREE MONEY or PROFIT that these Mortgage Backed Securities trusts made for the BANKERS and GOVERNMENT and these persons and entities are now being protected by the CFPB and this lawsuit is solely to shut CFLA up!!!!!

And did you know they were all also TAX EXEMPT, TOO? Wow.

So in short, the CFPB is suing CFLA to shut us up so YOU don't find out about the trillions of money these BANKERS stole from working class Americans and they didn't even have to pay tax on it.

WOW. SOUNDS LIKE SOME ORGANIZED CRIME, Right????

IS IT TRUE THAT IF CFLA LOSES THEIR FEDERAL DISTRICT COURT CASE IN CALIFORNIA THAT NO ONE WILL BE ABLE TO GET HELP USING THE BLOOMBERG SECURITIZATION REPORTS?

Yes that is True, without your support and CFLA's victory in the case Bureau of Consumer Financial Protection v. Certified Forensic Loan, Auditors, LLC, and Andrew Lehman, et al., 2:19-cv-07722 (C.D. Cal.) complaint filed 09/06/19.

However, the good thing is that CFLA has very good support from the Homeownership Sector and the Legal Community but we all face a formidable task as against the Bank of AMeirca, JP Morgan Chase, Wells Fargo, Goldman Sachs, Lehman Brothers, and the Bureau of Financial Protection, better known as the CFPB.

CFLA has been the leader for compliance in the compliance in the industry of Bloomberg Securitization Audits, forensic loan auditing, offering a training class since 2009, requiring those completed course to execute a code of ethics, and distributed the MARS rules to all graduates, hosting State Bar CLE Courses on the subject matter. We have been around since 2007, while the CFPB was recently created in 2011 and giving authority over the mortgage services industry in or about 2012.

We have hundreds of complaints about how the CFPB refuses to assist or help them with their CONSUMER DWELLING LIEN HOLDER's predatory and illegal loans and loan practices, while the CFPB has merely 3 consumer complaints against CFLA since 2010 [as per recent Freedom of Information Act Request), despite CFLA having produced more than 10,000 Bloomberg Securitization Audits in that time, while their have been more than 40 complaints against CFLA by BIG BANKS [as per FOIA Request]

See CFLA FOIA Response (PDF)

READ THE COMPLAINT - THE CFPB IS CHALLENGING THE EFFICACY OF THE BLOOMBERG AUDIT. The CFPB is making claims such as:

  • (1) Securitization Audits are useless,
  • (2) dont help people in foreclosure,
  • (3) are not prepared by expert,
  • (4) are just boiler plate,
  • (5) are misleading to the public, etc, etc.

It is NOT CFLA's business practices that the CFPB is attacking - it is the Bloomberg Securitization Audit itself. The CFPB wants there to be no way for anyone to track residential mortgage backed securities data ever again period. Lets all just kick it under the rug and act as if it did not happen please, says "the consumer watchdog," .... The Only Watchdog that the CFPB is for is the BIG BANKS and the BANK Executives and Political Individuals who steal, loot, and rob the American people and than they go on a witch hunt and say CFLA is the "Bad Guy,"

Folks, check it out for yourself and see.

If we lose then the loss silences the "Greatest Banking Fraud" of our generation....

CFLA is represented by Maryam Atigetchi, Esq., out of Beverly Hills, CA, a very Good Federal Civil Litigation Attorney who specializes in Civil Litigation, as well as Family Law. However, this work requires multiple attorneys, paralegals, research gurus, and good industry support and clarification for those online due to the Duplicity of the Dozens of Lawyers working on this Case From the CFPB, BOA, CPMCB, Wells, and the others funding this witch-hunt.

The CFPB and the Banks estimate that these Bloomberg Securitization Audits expose too much truth about the trillions of dollars that were looted from the american economy and blended into state employee retirement 401ks in losses... The Banking System and the CFPB is Corrupt and they will be exposed in this Case. CFLA and ANDREW LEHMAN will not go away.

This whole lawsuit is motivated to protect the Banks and prevent homeowners from having any recourse against the banks for its unlawful and predatory acts taking advantage of the consumer. CFPB should be ashamed of itself because it became quite clear their intention once they spoke at length with Andrew Lehman just how much that he knows, including politicians, judges, and other government officials who looted more than 20 Trillion dollars from the US Housing market in 2002-2007 and than blended the losses in State and Federal Employee 401 K retirements to absorb the losses.

AMBASSADOR MORTGAGE SECURITIZATION AUDITOR TRAINING CLASS (10/04/2019)

We have been the leader for compliance in the compliance in the industry of forensic loan auditing, offering a training class since 2009, requiring those completed course to execute a code of ethics, and distributed the MARS rules to all graduates, hosting State Bar CLE Courses on the subject matter. We have been around since 2007, while the CFPB was recently created in 2011 and giving authority over the mortgage services industry in or about 2012.

We have hundreds of complaints about how the CFPB refuses to assist or help them with their CONSUMER DWELLING LIEN HOLDER's predatory and illegal loans and loan practices, while the CFPB has merely 3 consumer complaints against CFLA since 2010 [as per recent Freedom of Information Act Request), despite CFLA having produced more than 10,000 Bloomberg Securitization Audits in that time, while their have been more than 40 complaints against CFLA by BIG BANKS [as per FOIA Request]

See CFLA FOIA Response (PDF)

If we lose then the loss silences the "Greatest Banking Fraud" of our generation....

 

ANDREW P. LEHMAN, JD, CFLA FOUNDER

 

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Back to September 2019 Archive

"CFLA was founded by the Nation's Leading Foreclosure Defense Attorneys back in 2007 to serve the Foreclosure Defense Industry and fight pervasive Bank Fraud. Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. But as the company continues to grow, we're careful to hold true to our original vision. For us, putting the law within reach of millions of people is more than just a novel idea–it's the founding principle, just ask Andrew P. Lehman, J.D.. With convenient locations in Houston and Los Angeles, you can contact Our National Account Specialist and General Manager / Member Damion W. Emholtz at 888-758-CFLA (2352) for a free Mortgage Fraud Analysis or to obtain samples of work product, including cutting edge Bloomberg Securitization Audits, Litigation Support, Quiet Title Packages, and for more information about our Nationally Accredited and U.S. Department of Education Approved "Mortgage Securitization Analyst Training Certification" Classes (3 days) 24 hours for approved CLE & MCLE Credit (Now Available Online)".

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SERVICES. CFLA DOES NOT OFFER OR ASSIST WITH ANY LOAN MODIFICATION SERVICE. CFLA ALWAYS RECOMMENDS THAT CLIENTS RETAIN COMPETENT COUNSEL IN THEIR RESPECTIVE JURISDICTION. CFLA HAS A FREE PROGRAM TO REFER CFLA CLIENTS TO LAW FIRMS IN NEARLY EVERY STATE AND CFLA
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