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Why California Passed the Law & Exempt Occupations Part 2
In the 2nd of our 4-part mini-series we discuss why the law was passed and exemptions allowing for 1099 status. 4 Part Mini- Series Dynamex Operations West Inc, v CA Superior Court decision Exempt workers from W-2 status Penalties for misclassified workers Proactive steps businesses should consider These educational...
UDAAP-ECOA-TILA Are You Ready for Examiners?
The overlap between federal and state laws and regulations becomes very apparent once there is an examination and/or an enforcement action. With COVID dominating our work environment over the past two years, not many audits or exams were scheduled by state regulators. That is all about to change. They...
What is “Transitional Licensing Authority” & A New 1003?”
Tomorrow night I will be speaking at the CT Mortgage Association event at The Library Wine and Bistro in Wallingford, CT. Since I posted the event, I have received questions about the topics. It occurred to me that while I am researching all new things mortgages, most originators, managers...
FHA 4000.1 SF Housing Handbook Update
The FHA Single Family Handbook has been updated. Check out the complete list of changes. Some highlights include an update to the legal age for members of an LLC, an update to the standard to limit non-commission employees to those employees that perform underwriting or quality control activities, that...
CLOES.online Introduces Student Centric Interface
Now each student can select the format and user experience that works best for them.
CIMBA LIVE 12/12/19 11:00am-12:00 pm. 1099 v. W-2
Connecticut Independent Mortgage Brokers Association offers live webinar. While a renewed interest in employee classifications started in Califorinia, it is spreading across the country. The recent California Dynamex Case codified the terms under which a “worker” can be classified as an independent contractor under the “ABC” Test (Assembly Bill...
20 Hour Video NMLS Licenses course good for CPA 2018 Continuing Education
Cloes.online offers the only 20 Hour Full Video On-line Course Approved by NMLS for Pre-Licensing Education. This course is an excellent choice for CPA Continuing education credits due June 2018. 20 Hour SAFE Act Comprehensive Mortgage Loan Originator course provides a detail analysis of the laws and regulations covering...
The Mortgage List – Open Mic Focus on Education
Faster, better, less, faster, sooner, easier ! Those are the messages coming from the industry. But, do we know that it’s really what’s best for consumers? Is it fair to originators? Are we setting consumers up for speed or great advice? How many seconds faster are you than you...
Will You Be Ready for Transitional MLOS?
November 24, 2019 – That’s not a typo, yes, it’s one year away! Did you know federal law mandates states implement “transitional licensing authority” by November 24, 2019? If you manage originators in a depository, have you considered if this will impact you and if so how? How about...
What People Say
How real people felt about CLOES.online
Gedne Gosselin
The instructor was very knowledgeable and applied examples in every possible scenario, making the material easy to understand.

Student CE Class 2018
8 Hour SAFE Comprehensive Federal CE 2018 – November 2018
Deb was great in presenting the true nature of the course piece by piece and helped with her many years of experience outline some of the more critical areas of the industry and expectations. The course was excellent because the provider was an experienced mortgage veteran for many years and understands how to present the material to make sure the key points as well as the main facts of the true nature of the job are outlined while instilling the required knowledge of the federal laws and guidelines mandated in the industry.



