Time to bring it home. Find zipForm®, transaction tools, and all the closing resources you'll need. Except for the champagne — that's on you.
Q: Where do I go to get legal questions answered? A: Easy, look to the right!
Legal articles, many in question and answer format, are currently available on over 150 subjects in 50-plus categories.Q&As By Title Q&As By Category 2017 Q&As 2017 Q&A Revisions 2016 Q&As 2016 Q&A Revisions
Help, I need backup! Whether it's legal or financial help you need, C.A.R.'s got your back with these resources.
If you're a consumer or a member looking to resolve a minor dispute or communication issue with a REALTOR®, a C.A.R. ombudsman may be able to help!
Provides you with invaluable one-on-one assistance with short sales, funding, REOs, Deeds in Lieu, and other mortgage related questions or issues. Speak to a trusted mortgage advisor for REALTORS® today!Mortgage Finance Additional Resources
Looking for additional assistance? The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m.
C.A.R. members can call this hotline to receive free confidential legal advice from the best real estate lawyers on earth!
Time to bring it home. Complete transactions and contracts electronically through zipForm®.
zipForm® features easy-to-use navigation that lets you move quickly through documents and transactionszipForm® Plus zipForm® Standard
Simplify the transaction with secure electronic signatures
Free advice to help you understand the form youre using with Forms Tutor® and identify which form you need for your transaction with Forms Advisor™
C.A.R. Standard Forms are developed by the C.A.R. Legal Department which gathers input from real estate professionals and attorneys to create user-friendly, comprehensive, and dependable forms.
Access many additional forms libraries available to you within your zipForm® account
Manage all of your REALTOR® agent accounts, transactions and forms effortlessly and efficientlyTeam Edition
Order affiliated services easily without leaving your zipForm® account with the fully integrated Service Providers
Get answers to your zip-Related questions with user guides, FAQs, videos and more.
We're here to help, people! Business products and tools to empower REALTORS®.
Your one-stop-source for real estate products, forms, education, high-tech tools and more
Download the latest C.A.R. mobile apps, including CARmojies & Stickers, C.A.R., Legal Hotline, CA REALTOR® EXPO, and zipForm Mobile.
Help your potential buyers open the door to home-ownership by searching from over 400 available down payment assistance programs throughout California.
Mark your calendars for our yearly meetings and events!
The main Business Meetings page includes important links for Directors and Committee Members.Current Meeting Materials Committee Selection Summary of Action Items Meeting Registration
CALIFORNIA REALTOR® EXPO, the state's largest real estate trade show.
We offer a wide array of real estate educational courses, certifications & designations in various formats.
Easily renew your real estate license with the FREE 45 hour online license renewal package from C.A.R.
Prepare to earn your real estate license with our online courses
Build and drive success for your real estate business with the training you need for continuous improvement
Distinguish yourself by learning how to build a business that specializes in niche markets to nearly double your earning potential in various real estate sectors
Browse our class schedule to find when and where to take real estate courses.
Get the description you need to learn more about our many courses offered
Complete your eight-hour NMLS license renewal requirement through our NMLS-approved provider, OnlineEd
Got knowledge? All the info you need on California’s housing market, economy, and issues impacting the industry.
Brokers/ManagersExecutive Exchange Webinar Series Industry News
This program represents our ongoing commitment to enhancing the professionalism of all our members.
Speeches & Presentations from C.A.R. Business Meetings and other Events
From webinars to videos and podcasts to blogs, C.A.R. keeps you in the know.Housing Matters Blog Slideshows
C.A.R. publishes eight magazine issues and various newsletters throughout the year.Newsletters California Real Estate Magazine
Webinars focusing on the critical issues that impact REALTORS®, their clients, and the real estate industry.Legal Webinars California Housing Market Upcoming Webinars
You're the brand! Use our marketing tools to tell your story.
A one-stop shop for tools and and resources to educate consumers about the intracacies of buying and selling a home and how a REALTOR® can help.ClientDIRECT® Infographics
Explore and interact with the latest market statistics.County Market Updates Market @ A Glance Market Snapshot
Marketing tools from C.A.R.'s consumer advertising campaignCARmojis Legal Hotline App REALTOR® RealTalk REALTOR® ReelMaker
See the latest social media content from C.A.R. and find content for you to share on your own social media.Featured Share of the Week Success with Social Media
You’ve gone pro! So here are guidelines about MLS rules and professional standards.
California Model MLS Rules, Issues Briefing Papers, and other articles and materials related to MLS policy.
Summaries and photos of California REALTORS® who violated the Code of Ethics and were disciplined with a fine, letter of reprimand, suspension, or expulsion.
An explanation of C.A.R.'s position on MLS consolidations in general and a statewide MLS in particular.
The most recent edition of the Code of Ethics and Standards of Practice of the National Association of REALTORS®.
The California Professional Standards Reference Manual, Local Association Forms, Interboard Arbitration Rules, and other materials related to Code of Ethics enforcement and arbitration.
Be trendy -- stay current with our latest market forecasts and data analyses.
Following modest gains in home sales in 2016, California’s housing market will post a nominal increase in 2017.
View the latest sales and price numbers. Find out where sales will be in upcoming months.Current Sales & Price Statistics Housing Affordability Index - Traditional Pending Home Sales Index Rent Vs. Buy Historical Housing Data
The all-new Housing Matters Podcast is your housing hub for market analysis, economic trends, and housing news.
View and drill down the latest housing market statistics for your area and compare it to neighboring counties.
From outreaches to webinars, the Research and Economics team is sharing their insight on the market and the economy.
Californians are surveyed annually to gain insights on the housing market from their persepective.
Stay connected with the latest releases by subscribing to the products and services that interests you.
It's the Law -- C.A.R.'s legal eagles tell you what you need to know to stay out of trouble.
Summaries of legislation and regulation effecting REALTORS® and updates on news relevant to REALTORS®.2017 Laws 2016 News 2016 Laws
Important industry cases, resources and informationNew Decisions Cases By Date Cases By Category RE Regulatory Archives Real Estate Resources Small Claims Court Recent Legal Developments
Current legal developoments, C.A.R. legal products and services.Realegals® Member Legal Services CRE Legal Column Legal Action Fund Attorney Access Form Consumer Protection Forum Reports
Videos, infographics, office presentations and more to help you, your office and your clients better understand how the law impacts your business.January 2017
An industry that works together, thrives together. Participate in legislative advocacy as a C.A.R. member!
C.A.R. advocates for REALTOR® issues in Washington D.C., Sacramento and in city and county governments throughout California.Federal Issues State Government Affairs Local Advocacy Resources
CREPAC, LCRC, IMPAC and the RAF comprise C.A.R.'s political fundraising arm.CREPAC/LCRC IMPAC State and Local REALTOR® Action Fund
This is so us...who we are and what we do.
Meet the 2017 C.A.R. Leadership Team
C.A.R. is a statewide trade association dedicated to the advancement of professionalism in real estate.
Learn how you can advertise in the California Real Estate magazine.
C.A.R. and its subsidiaries are currently recruiting for the following job opportunities.
Looking for additional assistance? The Customer Contact Center is looking forward to serving you Monday through Friday between the hours of 8:30 a.m. and 4:45 p.m.
C.A.R.'s Media Center houses the Association's news releases, media guidelines, and logos.News Releases C.A.R. Logos
Partner With Us
Adding REALTOR® next to your name is cool. What comes with that title is even cooler. Check out your benefits.
As a new member of C.A.R. you have questions about your benefits and discounts. Find the answers here.Member FAQs
C.A.R.'s annual consumer advertising campaign creates awareness of the REALTOR® brand and demonstrates the many benefits of the consumer-REALTOR® relationship.Who's Your REALTOR®?
Represent! Join C.A.R. in our community and foundation programs.
Programs and grants to provide direct assistance to address the housing crisis in California.Make A Donation HAF Statewide Programs Grants For Local Associations H.A.F. Donors/Supporters 8th Annual HAF Casino Night
C.A.R. stands ready to assist REALTORS® who have been impacted by these wildfires through its Disaster Relief Fund.
Super REALTORS® protect our industry from bad legislation. Find out how you can too!
Do you have an innovative idea(s) with regards to real estate? Submit your idea(s) for a chance to partner with C.A.R. and transform tomorrow's industry!
Scholarships for California students planning to pursue a career in real estate.
Grants for California REALTORS® pursuing advanced real estate designations.
Find information and tools to help you connect with diverse groups and create business or leadership opportunities.International Real Estate Real Estate Organizations
New to the industry? YPN is a network to sharpen your skills, heighten your leadership, and connect with fellow REALTORS®.
Whichever department you are looking to speak with, don't hesitate to reach out! We'd love to hear from you.
Below you will find links to federal and state regulatory agencies including updates from the Department of Real Estate, the U.S. Department of Housing and Urban Development, U.S. ConsumerProduct Safety Commission as well as others.
Consumer Financial Protection Bureau
TILA/RESPA Intergration Forms
Click here for the CFPB’s site for “TILA-RESPA Integrated Disclosure rule implementation.” This CFPB site contains a small business entity compliance guide; a guide to forms; a disclosure timeline; integrated loan disclosure forms & samples; a readiness guide; various videos explaining the integration rule; and the complete 1,888 page TILA-RESPA Integrated Disclosure rule.
Federal Housing Administration (FHA)*
What is the FHA?
The FHA provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals. It is the largest insurer of mortgages in the world, insuring over 34 million properties since its inceptionin 1934.
Federal Trade Commission (FTC)*
What is the FTC?
The FTC is an independent agency that reports to Congress on its actions. When the FTC was created in 1914, its purpose was to prevent unfair methods of competition in commerce as part of the battle to "bust the trusts." Over the years, Congress passed additional laws giving the agency greater authority to police anticompetitive practices. In 1938, Congress passed the Wheeler-Lea Amendment, which included a broad prohibition against unfair and deceptive acts or practices. Since then, the Commission also has been directed to administer a wide variety of other consumer protection laws, including the Telemarketing Sales Rule, the Pay-Per-Call Rule and the Equal Credit Opportunity Act. In 1975, Congress passed the Magnuson-Moss Act, which gave the FTC the authority to adopt trade regulation rules that define unfair or deceptive acts in particular industries. The FTC's work is performed by the Bureaus of Consumer Protection, Competition and Economics.
New FTC Rule Outlaws Advance Fees and False Claims Regarding Mortgage Relief Assistance (DRE Article, Feb. 8, 2011)
U. S. Department of Housing and Urban Development (HUD)*
What is HUD?
The Department of Housing and Urban Development Act of 1965 created HUD as a Cabinet-level agency of the U.S. government. HUD's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships--particularly with faith-based and community organizations--that leverage resources and improve HUD's ability to be effective on the community level.
What is Freddie Mac?
"Freddie Mac" which is actually FHLMC, Federal Home Loan Mortgage Corporation, is a stockholder-owned corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. Freddie Mac conducts its business primarily by buying mortgages from lenders, packaging the mortgages into securities and selling the securities (FRE) - guaranteed by Freddie Mac - to investors. Mortgage lenders use the proceeds from selling loans to Freddie Mac to fund new mortgages, constantly replenishing the pool of funds available for lending to homebuyers and apartment owners. (Note: the federal government took over Freddie Mac pursuant to the Housing and Economic Recovery Act of 2008.)
What is Fannie Mae?
"Fannie Mae" which is actually FNMA, the Federal National Morgage Association, is a private, shareholder-owned company that works to make sure mortgage money is available for people all across America. It does not lend money directly to home buyers but it works with lenders. Fannie Mae stock (FNM) is actively traded on the New York Stock Exchange and other exchanges and is part of the Standard & Poor's 500 Composite Stock Price Index. (Note: the federal government took over Fannie Mae pursuant to the Housing and Economic Recovery Act of 2008.)
What is Ginnie Mae?
"Ginnie Mae" which is actually GNMA, Government National Mortgage Association, is a government agency within HUD created by Congress to ensure adequate funds exclusively for government loans insured by the Federal Housing Administration (FHA) and guaranteed by the Department of Veterans Affairs (VA) and Veterans Administration.
Under the Servicemembers' Civil Relief Act, mortgage lenders are required to charge a maximum of 6 percent interest for active duty military personnel. Ginnie Mae reimburses issuers for the interest shortfall under certain circumstances.
U. S. Consumer Product Safety Commission (CPSC)
What is the CPSC?
The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from more than 15,000 types of consumer products under the agency's jurisdiction. Some of these products are real estate related and impact homeowners.
California Bureau of Real Estate (CalBRE)*
What is the CalBRE?
The CalBRE is the California agency that regulates real estate licensees.
CalBRE Summary of Enforcement Actions
CalBRE’s Monthly Disciplinary Actions Reports: http://www.dre.ca.gov/Licensees/EnforcementActions.html
The CalBRE is a licensing and regulatory agency empowered to seek disciplinary action through the State Office of Administrative Hearings against licensees who violate specific sections of the State Business and Professions Code. The DRE is also empowered to file orders to desist and refrain against licensed and unlicensed individuals and entities. Enclosed is a listing of the disciplinary action initiated against real estate licensees and a listing of the filed orders to desist and refrain from unlawful activities.
California Department of Business Oversight (DBO)*
What is the DBO?
The DBO is California's Investment and Financing Authority, and has exclusive authority to bring both civil and administrative actions under the laws subject to the jurisdiction of the DOC. The DOC licenses and regulates a variety of businesses including securities brokers and dealers, investment advisers and financial planners, and certain fiduciaries and lenders. The DOC also regulates the offer and sales of securities, franchises and off-exchange commodities.
California Department of Housing and Community Development (HCD)*
What is the HCD?
The HCD provides leadership, policies and programs to preserve and expand safe and affordable housing opportunities and promote strong communities for all Californians through various programs such as the occupational licensing program, mobilehome registration and titling, factory-built housing program, and state housing program.
California Bureau of Real Estate Appraisers (BREA)*
What is BREA?
In 1989, Title XI of the federal Financial Institutions Reform, Recovery and Enforcement Act was adopted by congress mandating states to license and certify real estate appraisers who appraise property for federally related transactions. The federal law was enacted as a result of the savings and loan disaster. In response to the federal mandate, the Real Estate Appraisers Licensing and Certification Law was enacted by the California Legislature in 1990. OREA was established within the Business, Transportation and Housing Agency, and charged with developing and implementing a real estate appraiser licensing and certification program compliant with the federal mandate. To date, OREA has received over 25,000 applications and has licensed over 18,000 real estate appraisers. OREA, which is entirely funded by licensing fees, is a single program comprised of two core components, licensing and enforcement.
For any questions regarding this Web page, please contact the Legal Editor, Neil D. Kalin, Esq. Please be sure to include your full name, office, and your member number in your e-mail.
* DISCLAIMER: The California Association of REALTORS® uses links to other websites in an effort to assist users in locating information on topics that might be of interestto them. The links to these websites are provided as a courtesy to our members. These links are NOT maintained by C.A.R. and C.A.R. cannot be responsible for their information content or their maintenance. Furthermore, linking to a Web site does not constitute an endorsement by C.A.R. or any of its employees of the sponsors of the Web site or the products presented on the Web site.