Licensed California Attorney also admitted to certain California, Florida, Colorado, Oklahoma, and Texas Federal Districts. NMLS and SAFE ACT Licensed - Florida and Texas. FHA Direct Endorsement Underwriter. Experienced Expert Witness. HUD and FHA HECM Reverse Mortgages - Industry Expert. Reverse Mortgage Industry Expert. HUD or FHA Agency Audit Management and Defense - Nationwide. TILA Truth in Lending Act Expert. RESPA Real Estate Settlement Procedures Act Expert. HOEPA Home ownership Equity Protection Act Expert. Regulation Z Expert. SAFE ACT, HERA, and Dodd-Frank Consultant - Nationwide. CFPB Analyst. SEC and SOX Consultant - former CEO of public company. FTCA Federal Tort Claims Act Consultant - Negligent Government Conduct. Medical Marijuana Cooperative Formation and Administration. CBX and FYLSE Test Taking Tutor.