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March
20
20
Key Lending News & Updates:
California lending news highlights increased regulatory action against crypto lenders, a new $2.3 million settlement with Caliber Home Loans for overcharging borrowers, and the reopening of the CalHFA Dream For All Program for first-time homebuyers. Private lending remains robust, while new laws are tightening restrictions on high-interest consumer loans, and recent crackdowns on fraudulent practices are occurring.
The Department of Financial Protection and Innovation (.gov) +4
The Department of Financial Protection and Innovation (.gov) +4Key Lending News & Updates:
- Crypto Lending Penalties: In January 2026, the Department of Financial Protection and Innovation (DFPI) fined Nexo Capital Inc. $500,000 for offering unlicensed crypto-backed loans.
- Mortgage & Housing: CalHFA reopened its "Dream for All" program in early 2026, providing up to 20% down payments for eligible homebuyers. Meanwhile, Caliber Home Loans is paying $2.3 million to settle allegations of overcharging.
- Consumer Protection: State officials are scrutinizing "Buy Now, Pay Later" (BNPL) services, urging caution due to concerns about high-interest rates and limited consumer protection.
- Private/Hard Money Lending: Despite complex regulations, California remains the top market for private lending, with the DFPI enforcing strict compliance under the California Financing Law (CFL).
- Fraud Action: As of March 2026, authorities are prosecuting a real estate and loan scheme targeting elderly residents in Los Angeles, per CBS News.
- Large-Scale Financing: The Los Angeles Times reports that February 2026 saw a $65.1 million construction loan for a Logistics Hub and a $300 million funding round for an aviation company