In 2010, Congress passed the Dodd–Frank Wall Street Reform and Consumer Protection Act. Among other things, Dodd-Frank introduced a new independent Federal agency, the Consumer Financial Protection Bureau (CFPB), to protect consumers and the U.S. economy from dangerous financial products. The Bureau formulated new mortgage rules which transformed everything relating to mortgage lending.

This MCLE will discuss the new mortgage rules including the ability to pay rule, qualified mortgages, higher cost mortgage rules, the new TILA-RESPA disclosure rules, and their application to loans, credit transactions, and lenders.

Gary M. Laturno has practiced law for over 30 years, holds an AV Rating from Martindale Hubbell and has been named to “Top Lawyers in San Diego” by San Diego Magazine and “Top Lawyers in Southern California” by the Los Angeles Times for a number of years.  A former FBI Chief of Civil Litigation in Washington, D. C., he supervised a staff of litigation attorneys, and personally represented several high ranking FBI officials, including the Director of the FBI.

Gary writes on legal topics and frequently presents continuing legal education programs, speaking at conferences, professional events, and national webinars on topics including real estate legal issues, estate planning and financial security, negotiation, mediation, taxation and bankruptcy law. He has co-authored “The U. S. Housing Crisis – Lessons Learned” and “Three Steps to Wealth & Financial Security – All That Glitters Isn’t Gold,” both available at
In addition to his professional callings as an attorney and mediator, Gary is also a California-licensed Real Estate Broker with Laturno Kuick Realty in San Diego, California.

For more information about this program and the speaker, visit our registration page.

Date: Thursday, August 6, 2015

Time: 12-1 p.m.

Location: Downtown San Diego

MCLE: 1 hour general participatory credit.

Register: online

Cost: $20