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		<title>California Department of Real Estate News Flash</title>
  		<description>Stay connected with the latest news from the California Department of Real Estate.</description>
  		<link>http://www.dre.ca.gov</link>
  		<language>en-us</language>
  		<pubDate>Mon, 14 May 2012 14:30:00 PST</pubDate>
		<item>
			<title>Disciplinary Actions for the Month of April 2012</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The April 2012 Disciplinary Actions report is now available. (5/14/2012)</description>
			<mlo>N</mlo>
			<pubDate>Mon, 14 May 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>DRE Enhances Website to Include New Multi-Lender/Threshold Broker Listing</title>
    		<link>http://search.dre.ca.gov/cons_brokers.asp</link>
			<pdf>N</pdf>
    		<description>View the license status record and business address of real estate brokers who provide private money loan services. (4/25/2012)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 25 Apr 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Financial Literacy Course Graduates First Class At Sacramento Charter High School</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_FinancialLiteracyCourse_042312.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on first financial literacy course graduates posted. (4/24/2012)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 24 Apr 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of March 2012</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The March 2012 Disciplinary Actions report is now available. (4/16/2012)</description>
			<mlo>N</mlo>
			<pubDate>Mon, 16 Apr 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>State Agencies Highlight the Importance of Financial Literacy During the Month of April</title>
    		<link>http://dfi.ca.gov/pressmedia/press/2012/pr1203.asp</link>
			<pdf>N</pdf>
    		<description>Press release on the importance of financial literacy posted. (4/3/2012)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 3 Apr 2012 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>IMPORTANT FEE NOTICE</title>
    		<link>#</link>
			<pdf>N</pdf>
    		<description>A petition application fee will be required on all petition applications received or postmarked on or after May 1, 2012.  Pursuant to Senate Bill 706 and Business and Professions Code Section 10186 (e), all restricted or revoked licensees who submit a petition application for reinstatement, or who petition for removal of restrictions on their real estate license, will be required to submit a fee of $800 with the Petition Application (RE 506).  (NOTE:  When petitioning for the reinstatement or removal of restrictions for both an officer license and a related corporate license, only one petition fee is required.) (3/28/2012)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 28 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>State Agency Warns Consumers of Forged and Fraudulent Property Deeds</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_ForgedFraudulentDeeds_032612.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on forged and fraudulent property deeds has been posted. (3/27/2012)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 27 Mar 2012 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Spring 2012 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Spring 2012 Real Estate Bulletin is now available. (3/23/2012)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 23 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Consumer Alert and Fraud Warning Regarding Forged and Fraudulent Deeds</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_ForgedFraudulentDeeds.pdf</link>
			<pdf>Y</pdf>
    		<description>Consumer alert on fraud warning has been posted. (3/23/2012)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 23 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Fraud Warning Regarding Timeshare Resale Fraud</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_FraudWarningTimeshareResaleFraud.pdf</link>
			<pdf>Y</pdf>
    		<description>Consumer alert on fraud warning has been posted. (3/15/2012)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 15 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of February 2012</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The February 2012 Disciplinary Actions report is now available. (3/14/2012)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 14 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Attorney General Kamala D. Harris Announces Arrests of Three Attorneys in Sacramento-area Loan Modification Scam</title>
    		<link>http://oag.ca.gov/news/press_release?id=2643</link>
			<pdf>N</pdf>
    		<description>Attorney General Kamala D. Harris today announced the arrests of the owners and managing attorney of a law firm that took thousands of dollars in up-front loan modification fees for services that were never performed for homeowners, many of whom ended up losing their homes. (3/9/2012)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 9 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Attorney General Kamala D. Harris Warns Homeowners to Beware of Mortgage Settlement Scams</title>
    		<link>http://oag.ca.gov/news/press_release?id=2642</link>
			<pdf>N</pdf>
    		<description>Attorney General Kamala D. Harris today, as part of National Consumer Protection Week, warned California homeowners to beware of phone solicitations from scam artists claiming to provide assistance related to the recent national mortgage settlement. (3/7/2012)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 7 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>2011 Significant Legislation Update</title>
    		<link>http://www.dre.ca.gov/pdf_docs/Jan2012-LegislativePresentation.pdf</link>
			<pdf>Y</pdf>
    		<description>Describes 3 of the most significant pieces of legislation from the 2011/2012 legislative session. (3/6/2012)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 6 Mar 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Reverse Mortgages - Is One Right For You?</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re52.pdf</link>
			<pdf>Y</pdf>
    		<description>Explains the pros and cons of reverse mortgages, a loan product geared towards senior citizens. (2/24/2012)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 24 Feb 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Investigation Leads to Charges Against Perpetrators of Investment Fraud Scheme Targeting Vietnamese-Americans</title>
    		<link>http://www.dre.ca.gov/pdf_docs/Eichenberger_and_Nguyen_charges.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release posted on real estate investment fraud sceme. (2/23/2012)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 23 Feb 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Designation of Branch Office Managers</title>
    		<link>http://www.dre.ca.gov/lic_branch_office.html</link>
			<pdf>N</pdf>
    		<description>Notice on the designation of branch office managers, effective July 1, 2012. (2/16/2012)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 16 Feb 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of January 2012</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The January 2012 Disciplinary Actions report is now available. (2/14/2012)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 14 Feb 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>National Mortgage Settlement</title>
    		<link>http://www.nationalmortgagesettlement.com</link>
			<pdf>N</pdf>
    		<description>The California Attorney General has reached a loan-servicing and foreclosure settlement with five major banks. If you are a homeowner struggling to pay your mortgage or facing foreclosure, or if you have already lost your home to foreclosure, it is possible that this settlement could help you. Not every homeowner will qualify for relief under this settlement. Those who do qualify may receive various forms of relief depending on their individual circumstances.<![CDATA[ <br /><br /> ]]>For information about the National Mortgage Settlement, please see the California Attorney General's <![CDATA[ <a href='https://oag.ca.gov/news/press_release?id=2625' target='_blank'>press release</a> ]]> and <![CDATA[ <a href='https://oag.ca.gov/nationalmortgagesettlement/faqs' target='_blank'>FAQ</a> ]]> document. The federal government also has a <![CDATA[ <a href='http://www.nationalmortgagesettlement.com' target='_blank'>National Mortgage Settlement</a> ]]> web site with additional details. (2/9/2012)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 9 Feb 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Independent Foreclosure Review Underway</title>
    		<link>http://www.occ.gov/news-issuances/news-releases/2011/nr-occ-2011-133.html</link>
			<pdf>N</pdf>
    		<description>Office of the Comptroller of the Currency announced today that the independent foreclosure review required under the agency's enforcement actions taken in April 2011 have begun. (2/1/2012)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 1 Feb 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Instructions to License Applicants</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re4.pdf</link>
			<pdf>Y</pdf>
    		<description>Provides information about how to obtain and maintain a California Real Estate License, a Prepaid Rental Listing Service License, and a Mortgage Loan Originator License Endorsement. (2/1/2012)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 1 Feb 2012 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of December 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The December 2011 Disciplinary Actions report is now available. (1/17/2012)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 17 Jan 2012 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Winter 2011 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Winter 2011 Real Estate Bulletin is now available. (12/23/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 23 Dec 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Enforcement Agencies Continue To Fight Loan Modification, Mortgage Relief, and Foreclosure Rescue Scams</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_LoanModActions_122111.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on loan mod fight has been posted. (12/21/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 21 Dec 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of November 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The November 2011 Disciplinary Actions report is now available. (12/14/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 14 Dec 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>eLicensing Online System Brochure</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re11.pdf</link>
			<pdf>Y</pdf>
    		<description>Provides information for real estate examinees and licensees on the services available via DRE's interactive online eLicensing system. (12/2/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 2 Dec 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>How to Obtain a Mortgage Loan Originator License Endorsement</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re19.pdf</link>
			<pdf>Y</pdf>
    		<description>This brochure sets forth the general requirements for obtaining a MLO License Endorsement. (11/30/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 30 Nov 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Attorney General Kamala Harris Announces 5 Year Sentence for Perpetrator of Foreclosure Scam</title>
    		<link>http://oag.ca.gov/news/press_release?id=2583</link>
			<pdf>N</pdf>
    		<description>Press release from the Attorney General has been posted. (11/23/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 23 Nov 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of October 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The October 2011 Disciplinary Actions report is now available. (11/14/2011)</description>
			<mlo>N</mlo>
			<pubDate>Mon, 14 Nov 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of September 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The September 2011 Disciplinary Actions report is now available. (10/14/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 14 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>California Department of Real Estate Opens New Electronic Real Estate Exam Center in La Palma</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_ElectronicExamsLaPalma10112011.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on new electronic real estate exam center has been posted. (10/13/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 13 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Financial Literacy Course Launches at Sacramento Charter High School</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_FinancialLiteracyCourse101111.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on financial literacy course has been posted. (10/11/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 11 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Financial Sense to White Picket Fence (En Espaņol)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re18_espanol.pdf</link>
			<pdf>Y</pdf>
    		<description>Spanish version of this brochure has been posted. (10/6/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 6 Oct 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Questions Regarding Renewing a MLO License Endorsement</title>
    		<link>http://www.dre.ca.gov/pdf_docs/SAFE_FAQ_MLO_Renewal.pdf</link>
			<pdf>Y</pdf>
    		<description>New FAQ posted including questions regarding renewing a MLO license endorsement. (10/5/2011)</description>
			<mlo>Y</mlo>
			<pubDate>Wed, 5 Oct 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>MLO Renewal and Continuing Education Requirement</title>
    		<link>http://www.dre.ca.gov/lic_safe.html#10</link>
			<pdf>N</pdf>
    		<description>Updated information posted regarding renewal and continuing education requirement. (10/5/2011)</description>
			<mlo>Y</mlo>
			<pubDate>Wed, 5 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Sources of Home Loans (En Espaņol)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re22_espanol.pdf</link>
			<pdf>Y</pdf>
    		<description>Spanish version of this brochure has been posted. (10/4/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 4 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Preventing Real Estate Fraud: How to Protect Yourself and Your Home (En Espaņol)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re17_espanol.pdf</link>
			<pdf>Y</pdf>
    		<description>Spanish version of this brochure has been posted. (10/4/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 4 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Surviving the Real Estate "Escrow" Process in California (En Espaņol)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re23_espanol.pdf</link>
			<pdf>Y</pdf>
    		<description>Spanish version of this brochure has been posted. (10/4/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 4 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>A Consumer Guide to Filing Real Estate Complaints (En Espaņol)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re51_espanol.pdf</link>
			<pdf>Y</pdf>
    		<description>Spanish version of this brochure has been posted. (10/4/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 4 Oct 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Finding the Right Real Estate Agent: What You Should Do (En Espaņol)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re16_espanol.pdf</link>
			<pdf>Y</pdf>
    		<description>Spanish version of this brochure has been posted. (10/4/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 4 Oct 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Fall 2011 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Fall 2011 Real Estate Bulletin is now available. (9/23/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 23 Sep 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Mortgage Loan Broker Compliance Evaluation Manual</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re_7.pdf</link>
			<pdf>Y</pdf>
    		<description>Revised version of the 'Mortgage Loan Broker Compliance Evaluation Manual' has been posted. (9/21/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 21 Sep 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Department of Real Estate Revokes Broker's License for Fraudulent Mortgage Scam</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_Bic_Pho_091511.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on the revocation of Bic D. Pho's broker license has been posted. (9/15/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 15 Sep 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of August 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The August 2011 Disciplinary Actions report is now available. (9/14/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 14 Sep 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Using the Services of a Mortgage Broker (#RE 35A)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re35a.pdf</link>
			<pdf>Y</pdf>
    		<description>Revised version of the 'Using the Services of a Mortgage Broker' booklet has been posted. (8/12/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 12 Aug 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of July 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The July 2011 Disciplinary Actions report is now available. (8/8/2011)</description>
			<mlo>N</mlo>
			<pubDate>Mon, 8 Aug 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of June 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The June 2011 Disciplinary Actions report is now available. (7/28/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 28 Jul 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Loan Modification Self-Help Guide (#RE 21)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re21.pdf</link>
			<pdf>Y</pdf>
    		<description>A step by step guide to doing your own loan modification. (7/15/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 15 Jul 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Financial Sense to White Picket Fence (#RE 18)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re18.pdf</link>
			<pdf>Y</pdf>
    		<description>This brochure provides helpful hints and tips relating to real estate financial literacy. (7/15/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 15 Jul 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Finding the Right Real Estate Agent: What You Should Do</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re16.pdf</link>
			<pdf>Y</pdf>
    		<description>Provides a checklist for hiring a real estate agent. (7/7/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 7 Jul 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Preventing Real Estate Fraud: How to Protect Yourself and Your Home</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re17.pdf</link>
			<pdf>Y</pdf>
    		<description>Offers information on real estate fraud protection. (7/7/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 7 Jul 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Surviving the Real Estate Escrow Process in California</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re23.pdf</link>
			<pdf>Y</pdf>
    		<description>Brochure version containing information about the real estate escrow process, including tips and mistakes to avoid. (7/7/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 7 Jul 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>4th Annual Fraud Awareness Fair</title>
    		<link>http://www.dre.ca.gov/pdf_docs/FraudFairDRE07_2011.pdf</link>
			<pdf>Y</pdf>
    		<description>Learn how to avoid becoming a victim of fraud. Join the DRE on July 13, 2011 from 10am-3pm at City Hall - Galleria, 1110 West Capitol Avenue, West Sacramento. (6/30/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 30 Jun 2011 11:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Summer 2011 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Summer 2011 Real Estate Bulletin is now available. (6/24/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 24 Jun 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>A Consumer Guide to Mortgage-Related Complaints</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re20.pdf</link>
			<pdf>Y</pdf>
    		<description>Provides basic information about loan servicers, lenders, mortgage brokers, complaints, and contacts. (6/22/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 22 Jun 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>A Consumer Guide to Filing Real Estate Complaints</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re51.pdf</link>
			<pdf>Y</pdf>
    		<description>Updated copy has been posted. (6/22/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 22 Jun 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Sources of Home Loans</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re22.pdf</link>
			<pdf>Y</pdf>
    		<description>Updated copy has been posted. (6/22/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 22 Jun 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of May 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The May 2011 Disciplinary Actions report is now available. (6/10/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 10 Jun 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Subdivision Public Report Application Guide Updated</title>
    		<link>http://www.dre.ca.gov/pdf_docs/sprag.pdf</link>
			<pdf>Y</pdf>
    		<description>Updated version of the Subdivision Public Report Application Guide has been posted. (6/3/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 3 Jun 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of April 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The April 2011 Disciplinary Actions report is now available. (5/11/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 11 May 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of March 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The March 2011 Disciplinary Actions report is now available. (5/6/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 6 May 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Commissioner Davi leaves post at Department of Real Estate</title>
    		<link>http://www.dre.ca.gov</link>
			<pdf>N</pdf>
    		<description>Commissioner Jeff Davi leaves his post on April 29, 2011. He would like to thank everyone for the opportunity to serve as DRE Commissioner. (4/26/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 26 Apr 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Department of Real Estate Financial Literacy Targets Californians</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_NIDHUDApprovedCourse.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on financial literacy has been posted. (4/13/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 13 Apr 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Spring 2011 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Spring 2011 Real Estate Bulletin is now available. (3/29/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 29 Mar 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Department of Real Estate Issues new Consumer ALERT to Help Consumers Avoid Loan Modification and Mortgage Relief Scams</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_032111.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on avoiding loan modification and mortgage relief scams has been posted. (3/22/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 22 Mar 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>FRAUD WARNING REGARDING LAWSUIT MARKETERS REQUESTING UPFRONT FEES FOR SO-CALLED "MASS JOINDER" OR CLASS LITIGATION PROMISING EXTRAORDINARY HOME MORTGAGE RELIEF</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumeAlert_WarningreMassLitigation.pdf</link>
			<pdf>Y</pdf>
    		<description>Consumer alert on fraud warning has been posted. (3/14/2011)</description>
			<mlo>N</mlo>
			<pubDate>Mon, 14 Mar 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Disciplinary Actions for the Month of February 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The February 2011 Disciplinary Actions report is now available. (3/7/2011)</description>
			<mlo>N</mlo>
			<pubDate>Mon, 7 Mar 2011 14:30:00 PST</pubDate>
  		</item>
		<item>
			<title>Senate Business &amp; Professions Committee Hearing</title>
    		<link>http://www.senate.ca.gov/ftp/SEN/COMMITTEE/STANDING/BUSINESS/_home/</link>
			<pdf>N</pdf>
    		<description>The California State Legislature, specifically the Senate Business &amp; Professions Committee, is holding a hearing on Monday March 7, 2011 in order to make recommendations to the Department of Real Estate on how consumer protections may be enhanced. The background papers and information on the hearing are now posted on the Committee's website. Interested parties are welcome to attend. (3/4/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 4 Mar 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Department of Real Estate Continues to Fight Loan Modification and Mortgage Relief Scams</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_LoanModActions022411.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on loan modification and mortgage relief scams has been posted. (2/24/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 24 Feb 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Consumer Alert: What You Can Do to Protect Yourself from Getting Ripped Off in Real Estate and Home Loan Relief Scams</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_ProtectYourselfFromGettingRippedOff.pdf</link>
			<pdf>Y</pdf>
    		<description>Consumer alert on protecting yourself from real estate and home loan relief scams has been posted. (2/22/2011)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 22 Feb 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Disciplinary Actions for the Month of January 2011</title>
    		<link>http://www.dre.ca.gov/cons_enf_actions.html</link>
			<pdf>N</pdf>
    		<description>The January 2011 Disciplinary Actions report is now available. (2/11/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 11 Feb 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>New Federal Rule Outlaws Advance Fees and False Claims, and Requires Clear Disclosures, Regarding Mortgage Assistance Relief (including Loan Modification, Short Sale, and Deed-in-Lieu of Foreclosure) Services</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_NewFederalRule.pdf</link>
			<pdf>Y</pdf>
    		<description>Consumer alert on new federal rule has been posted. (2/10/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 10 Feb 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Director of the California Office of Real Estate Appraisers to address California Real Estate Educators' Conference</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/OREA-DRENewsRelease_REEC_02252011.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on upcoming San Diego Real Estate Educators' Conference has been posted. (2/9/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 9 Feb 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Department of Real Estate Implements New Licensing Law for Mortgage Loan Originators</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_SAFE012011.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on new licensing law for Mortgage Loan Originators has been posted. (1/20/2011)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 20 Jan 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Disciplinary Actions for the Month of December 2010</title>
    		<link>http://www.dre.ca.gov/pdf_docs/enf_actions/2010-12-Discipl-Actions.pdf</link>
			<pdf>Y</pdf>
    		<description>The December 2010 Disciplinary Actions report is now available. (1/19/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 19 Jan 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Disciplinary Actions for the Month of November 2010</title>
    		<link>http://www.dre.ca.gov/pdf_docs/enf_actions/2010-11-Discipl-Actions.pdf</link>
			<pdf>Y</pdf>
    		<description>The November 2010 Disciplinary Actions report is now available. (1/19/2011)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 19 Jan 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Winter 2010 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Winter 2010 Real Estate Bulletin is now available. (1/7/2011)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 7 Jan 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Financial Statements</title>
    		<link>#</link>
			<pdf>N</pdf>
    		<description>Financial statements will not be required by DRE at this time.  If you have received an email from the NMLS system regarding a license item set for financial statements for CA-DRE, please disregard this email.  DRE will clear this license item on your NMLS record. (1/6/2011)</description>
			<mlo>Y</mlo>
			<pubDate>Thu, 6 Jan 2011 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>2011 Real Estate Law Book</title>
    		<link>http://www.dre.ca.gov/pub_relaw.html</link>
			<pdf>N</pdf>
    		<description>The 2011 Real Estate Law Book is now available online! The printed version will be available soon. Please continue to check our Web site for updates. (12/30/2010)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 30 Dec 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Reference Book - Printed Version Update</title>
    		<link>http://www.dre.ca.gov/pub_referencebk.html</link>
			<pdf>N</pdf>
    		<description>The Reference Book - A Real Estate Guide will be available for purchase after January 5, 2011. (12/15/2010)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 15 Dec 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>State Department of Real Estate is Looking into the Activities and Operations of Blanca Maciel Sanchez Arrested Yesterday</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_Sanchez120810.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release warning consumers to check out licensees has been posted. (12/9/2010)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 9 Dec 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>DRE Composite Report of Mortgage Loan/Trust Deed Annual Reports</title>
    		<link>http://www.dre.ca.gov/pdf_docs/composite_report_2009.pdf</link>
			<pdf>Y</pdf>
    		<description>The 2009 DRE Composite Report has been posted. (12/7/2010)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 7 Dec 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Scheduled Maintenance</title>
    		<link>http://www.dre.ca.gov/gen_services.html</link>
			<pdf>N</pdf>
    		<description>On Sunday, December 12, 2010, beginning at 8:00 p.m. through 12:00 a.m., the DRE will be performing system upgrades.  The IVR phone system and DRE eLicensing will be unavailable during this time. (12/7/2010)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 7 Dec 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Reference Book - A Real Estate Guide (rev. 2010)</title>
    		<link>http://www.dre.ca.gov/pub_referencebk.html</link>
			<pdf>N</pdf>
    		<description>The Reference Book - A Real Estate Guide has been updated. Please note, the printed version will be available for purchase from the Department of Real Estate next month. (11/18/2010)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 18 Nov 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Printing Functionality added for MLO License Endorsement Certificates</title>
    		<link>#</link>
			<pdf>N</pdf>
    		<description>DRE licensees who have been approved for their MLO license endorsement may now print their  endorsement certificate from the DRE web site. The printing functionality will normally be available one business day after the approval has been granted, unless an interruption occurs with the daily NMLS data download process.  All approved licensees are sent a confirmation email from NMLS.  From main page, click on the MLO tab and choose the link titled <![CDATA[ <a href='https://secure.dre.ca.gov/elicensing/nmls.asp'>Print MLO License Endorsement Certificate</a>]]>. (11/16/2010)</description>
			<mlo>Y</mlo>
			<pubDate>Tue, 16 Nov 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Consumer Alert - Beware of Imposter Landlords</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_WarningOnRentScam11_2010.pdf</link>
			<pdf>Y</pdf>
    		<description>Consumer alert on imposter landlords has been posted. (11/9/2010)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 9 Nov 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Department of Real Estate Issues Informational Pamphlet on the Residential Real Estate Escrow Process in California</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_EscrowPamphlet110810.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on the residential real estate escrow process has been posted. (11/9/2010)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 9 Nov 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>For Real Estate Matters, California Department of Real Estate Web Site is a Must See for Consumers</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_ DREWebsite_11-5-10.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on DRE website features has been posted. (11/5/2010)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 5 Nov 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Surviving the Real Estate Escrow Process in California</title>
    		<link>http://www.dre.ca.gov/pdf_docs/Escrow_Info_Consumers.pdf</link>
			<pdf>Y</pdf>
    		<description>Information about the real estate escrow process, including tips and mistakes to avoid. (11/4/2010)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 4 Nov 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Department of Real Estate Joins California Community Colleges to Offer Free Financial Literacy Workshop in San Jose</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_SanJoseWorkShop102810.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on upcoming financial literacy workshop has been posted. (10/28/2010)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 28 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Department of Real Estate and Chinese Government Officials confer on Economic Recovery</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_site_cert_program_102710.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on economic recovery has been posted. (10/28/2010)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 28 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the next Financial Sense to White Picket Fence Seminar</title>
    		<link>http://californiafinancialliteracy.org/siliconvalley_nov2010.html</link>
			<pdf>N</pdf>
    		<description>Mark your calendar! Saturday, 11/6/2010, at 9am for Financial Sense to White Picket Fence Seminar - San Jose City College, San Jose, CA. See you there! (10/26/2010)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 26 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Fall 2010 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Fall 2010 Real Estate Bulletin is now available. (10/25/2010)</description>
			<mlo>N</mlo>
			<pubDate>Mon, 25 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Update to DRE Consumer Alert Regarding Forensic Loan Audits</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_ForensicLoanAuditsUpdate.pdf</link>
			<pdf>Y</pdf>
    		<description>Update to DRE Consumer Alert Regarding Forensic Loan Audits - New State Legislation Requires Auditor Registration with the California Department of Justice and Maintenance of a Bond; Violation is a Crime (10/19/2010)</description>
			<mlo>N</mlo>
			<pubDate>Tue, 19 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the next Financial Sense to White Picket Fence Seminar</title>
    		<link>http://californiafinancialliteracy.org/la_torrance_oct2010.html</link>
			<pdf>N</pdf>
    		<description>Mark your calendar! This Saturday, 10/16/2010, at 9am for Financial Sense to White Picket Fence Seminar - El Camino College, Torrance, CA. See you there! (10/13/2010)</description>
			<mlo>N</mlo>
			<pubDate>Wed, 13 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>DRE Launches New "History of the DRE" Website</title>
    		<link>http://history.dre.ca.gov</link>
			<pdf>N</pdf>
    		<description>This new website provides access to historical information dating back to the establishment of the DRE.  Browse through photos, real estate bulletins, and more. (10/7/2010)</description>
			<mlo>N</mlo>
			<pubDate>Thu, 1 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Broker Compliance Evaluation Manual</title>
    		<link>http://www.dre.ca.gov/pdf_docs/brkrcomp.pdf</link>
			<pdf>Y</pdf>
    		<description>Revised version of the Broker Compliance Evaluation Manual has been posted. (10/1/2010)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 1 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Consumer and Industry Warning: False and Misleading Designations and Claims of Special Expertise, Certifications and/or Credentials</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_ConsumerIndustryWarning.pdf</link>
			<pdf>Y</pdf>
    		<description>Consumer alert regarding false and misleading designations has been posted. (10/1/2010)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 1 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Department of Real Estate Issues Consumer Alert-Short Sale Fraud Cases Rising</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_092910.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on consumer alert regarding short sale fraud has been posted. (10/1/2010)</description>
			<mlo>N</mlo>
			<pubDate>Fri, 1 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Bankruptcy Disclosure Questions on MU Forms</title>
    		<link>#</link>
			<pdf>N</pdf>
    		<description>DRE has been receiving a large number of documents pertaining to bankruptcy filings in relation to the responses to the bankruptcy disclosure questions.  Please note, if the answer is yes to any questions on the MU Forms concerning bankruptcy, please submit the following along with the requirements checklist provided on the DRE State Licensing Requirements page on the <![CDATA[ <a href='http://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=CADRE' target='_blank'>NMLS website</a>:<ul><li> ]]>Regarding any bankruptcy, include bankruptcy type, District Court location, date of filing, and date of discharge (if applicable).<![CDATA[ </li><li> ]]>Provide a copy of the schedules listing the creditors, an explanation identifying all creditors and claims, a brief explanation of the circumstances surrounding the bankruptcy filing, and a copy of the discharge order (if applicable). Please do not submit a copy of the entire bankruptcy filing. (10/1/2010)<![CDATA[ </li></ul> ]]></description>
			<mlo>Y</mlo>
			<pubDate>Fri, 1 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Important information concerning Broker-Associates and Designated Broker Officers</title>
    		<link>#</link>
			<pdf>N</pdf>
    		<description>Broker-associates who intend to perform MLO activities employed by a broker or corporation under a broker-salesperson agreement must be separately authorized to conduct those activities through the NMLS by filing Form MU4.  After the MU4 is submitted, the broker will need to <![CDATA[ <a href='http://mortgage.nationwidelicensingsystem.org/licensees/resources/LicenseeResources/Create-Company-Relationship-Quick-Guide.pdf' target='_blank'>create a company relationship</a> ]]> and <![CDATA[ <a href='http://mortgage.nationwidelicensingsystem.org/licensees/resources/LicenseeResources/Sponsorship-Request-Quick-Guide.pdf' target='_blank'>request a sponsorship</a> ]]> from the employing broker corporation.<![CDATA[ <br /><br /> ]]>All licensed broker officers of a licensed corporation who intend to perform MLO activities on behalf of the corporation, will need to <![CDATA[ <a href='http://mortgage.nationwidelicensingsystem.org/licensees/resources/LicenseeResources/Create-Company-Relationship-Quick-Guide.pdf' target='_blank'>create a company relationship</a> ]]> and <![CDATA[ <a href='http://mortgage.nationwidelicensingsystem.org/licensees/resources/LicenseeResources/Sponsorship-Request-Quick-Guide.pdf' target='_blank'>request a sponsorship</a> ]]> from the corporation. (10/1/2010)</description>
			<mlo>Y</mlo>
			<pubDate>Fri, 1 Oct 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>"Cash for Keys" - Information for Consumers and DRE Licensees</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_Cash4Keys.pdf</link>
			<pdf>Y</pdf>
    		<description>New consumer alert regarding "Cash for Keys" programs has been posted. (9/16/2010)</description>
			<pubDate>Thu, 16 Sep 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Department of Real Estate Helping Consumers Navigate Through Tough Real Estate Market</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_Riverside091610.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on upcoming Financial Literacy workshop has been posted. (9/16/2010)</description>
			<pubDate>Thu, 16 Sep 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Update to DRE Issued Consumer and Industry Alert(s)</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_ShortSalesUpdate.pdf</link>
			<pdf>Y</pdf>
    		<description>Update to DRE Issued Consumer and Industry Alert(s) Regarding Short Sales Fraud, and Related Issues. (9/16/2010)</description>
			<pubDate>Thu, 16 Sep 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Updated - Reserve Study Guidelines for Homeowner Association Budgets</title>
    		<link>http://www.dre.ca.gov/pdf_docs/re25.pdf</link>
			<pdf>Y</pdf>
    		<description>Explains how to determine sufficient reserve funds. (9/2/2010)</description>
			<pubDate>Thu, 2 Sep 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the next Financial Sense to White Picket Fence Seminar</title>
    		<link>http://californiafinancialliteracy.org/riverside_sep2010.html</link>
			<pdf>N</pdf>
    		<description>Stay tuned for the next Financial Sense to White Picket Fence Seminar - Sept. 25, 2010 in Riverside, CA. (9/2/2010)</description>
			<pubDate>Thu, 2 Sep 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the Financial Sense to White Picket Fence Webinar</title>
    		<link>https://www1.gotomeeting.com/register/401667529</link>
			<pdf>N</pdf>
    		<description>Reoccurring webinar program Thursday, August 26 from 12:00 pm (noon) to 1:00 pm. For more information please visit: <![CDATA[ <a href='http://www.californiafinancialliteracy.org' target='_blank'>www.californiafinancialliteracy.org</a> and <a href='http://www.dre.ca.gov'>www.dre.ca.gov</a>. ]]> (8/11/2010)</description>
			<pubDate>Tue, 24 Aug 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the Financial Sense to White Picket Fence Webinar</title>
    		<link>https://www1.gotomeeting.com/register/401667529</link>
			<pdf>N</pdf>
    		<description>Reoccurring webinar program Thursdays, August 5, 12, 19, &amp; 26 from 12:00 pm (noon) to 1:00 pm. For more information please visit: <![CDATA[ <a href='http://www.californiafinancialliteracy.org' target='_blank'>www.californiafinancialliteracy.org</a> and <a href='http://www.dre.ca.gov'>www.dre.ca.gov</a>. ]]> (8/11/2010)</description>
			<pubDate>Tue, 17 Aug 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Understanding the S.A.F.E. Act</title>
    		<link>https://www1.gotomeeting.com/register/403283840</link>
			<pdf>N</pdf>
    		<description>Join the California Department of Real Estate, California Association of Mortgage Professionals and the California Association of Realtors for an update and information on the requirements and deadlines of the S.A.F.E. Act. on Thursday, August 19, 2010 from 10-11:00 AM PDT. (8/11/2010)</description>
			<pubDate>Wed, 11 Aug 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the Financial Sense to White Picket Fence Webinar</title>
    		<link>https://www1.gotomeeting.com/register/401667529</link>
			<pdf>N</pdf>
    		<description>Reoccurring webinar program Thursdays, August 5, 12, 19, &amp; 26 from 12:00 pm (noon) to 1:00 pm. For more information please visit: <![CDATA[ <a href='http://www.californiafinancialliteracy.org' target='_blank'>www.californiafinancialliteracy.org</a> and <a href='http://www.dre.ca.gov'>www.dre.ca.gov</a>. ]]> (8/11/2010)</description>
			<pubDate>Wed, 11 Aug 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Scheduled Maintenance</title>
    		<link>http://www.dre.ca.gov/gen_services.html</link>
			<pdf>N</pdf>
    		<description>On Friday, August 20, 2010, beginning at 6:00 p.m. through 8:00 p.m., the DRE will be performing system upgrades.  The IVR phone system and DRE eLicensing will be unavailable during this time. (8/5/2010)</description>
			<pubDate>Thu, 5 Aug 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the Financial Sense to White Picket Fence Webinar</title>
    		<link>https://www1.gotomeeting.com/register/401667529</link>
			<pdf>N</pdf>
    		<description>Reoccurring webinar program Thursdays, August 5, 12, 19, &amp; 26 from 12:00 pm (noon) to 1:00 pm. For more information please visit: <![CDATA[ <a href='http://www.californiafinancialliteracy.org' target='_blank'>www.californiafinancialliteracy.org</a> and <a href='http://www.dre.ca.gov'>www.dre.ca.gov</a>. ]]> (8/3/2010)</description>
			<pubDate>Tue, 3 Aug 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Scheduled Office Closures</title>
    		<link>http://www.dre.ca.gov/gen_offices_closed.html</link>
			<pdf>N</pdf>
    		<description>DRE to close offices three Fridays of each month. (8/2/2010)</description>
			<pubDate>Mon, 2 Aug 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Department of Real Estate Revokes Record Number of Real Estate Licenses</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_enforcement_actions072810.pdf</link>
			<pdf>Y</pdf>
    		<description>DRE issues press release on latest enforcement actions. (7/30/2010)</description>
			<pubDate>Fri, 30 Jul 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Sign up now for the Financial Sense to White Picket Fence Webinar</title>
    		<link>https://www1.gotomeeting.com/register/401667529</link>
			<pdf>N</pdf>
    		<description>Reoccurring webinar program Thursdays, August 5, 12, 19, &amp; 26 from 12:00 pm (noon) to 1:00 pm. For more information please visit: <![CDATA[ <a href='http://www.californiafinancialliteracy.org' target='_blank'>www.californiafinancialliteracy.org</a> and <a href='http://www.dre.ca.gov'>www.dre.ca.gov</a>. ]]> (7/22/2010)</description>
			<pubDate>Thu, 22 Jul 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>A Homeowner's Guide to Foreclosure in California</title>
    		<link>http://www.dre.ca.gov/pdf_docs/foreclosure_guide2010_RE15.pdf</link>
			<pdf>Y</pdf>
    		<description>Useful information for homeowners in financial distress who live in their homes.  (7/20/2010)</description>
			<pubDate>Tue, 20 Jul 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Summer 2010 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Summer 2010 Real Estate Bulletin is now available. (7/9/2010)</description>
			<pubDate>Fri, 9 Jul 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>State Furlough Update</title>
    		<link>http://www.dre.ca.gov/gen_news_flash.asp</link>
			<pdf>N</pdf>
    		<description>Until further notice, DRE offices are open for business on Fridays, pending further budget updates. (7/1/2010)</description>
			<pubDate>Thu, 1 Jul 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Civil Code Section 1675 Information</title>
    		<link>http://www.dre.ca.gov/sub_civilcode1675.html</link>
			<pdf>N</pdf>
    		<description>New page on Civil Code Section 1675 has been posted. (6/30/2010)</description>
			<pubDate>Wed, 30 Jun 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>The California Department of Real Estate Launches Financial Literacy Outreach Program</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsRelease_FinLiteracy061510.pdf</link>
			<pdf>Y</pdf>
    		<description>DRE issues press release on financial literacy outreach program. (6/15/2010)</description>
			<pubDate>Tue, 15 Jun 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Financial Literacy Seminar: "Financial Sense to White Picket Fence"</title>
    		<link>http://californiafinancialliteracy.org/wordpress/?page_id=14</link>
			<pdf>N</pdf>
    		<description>Save-the-Date for the DRE Seminar "Financial Sense to White Picket Fence" on Saturday, June 19th.  Please register today at <![CDATA[ <a href='http://www.californiafinancialliteracy.org' target='_blank'>www.californiafinancialliteracy.org</a> ]]> to reserve your spot. (6/10/2010)</description>
			<pubDate>Thu, 10 Jun 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Financial Literacy Seminar: "Financial Sense to White Pickett Fence"</title>
    		<link>http://californiafinancialliteracy.org/wordpress/?page_id=14</link>
			<pdf>N</pdf>
    		<description>The Department of Real Estate in partnership with the California Community Colleges launches its first Financial Literacy Seminar "Financial Sense to White Picket Fence" at San Joaquin Delta College on Saturday, June 19th at 9am.  For more information, please visit: www.californiafinancialliteracy.org and http://www.dre.ca.gov/cons_cflm.html. (6/3/2010)</description>
			<pubDate>Thu, 3 Jun 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Scheduled Maintenance</title>
    		<link>http://www.dre.ca.gov/gen_services.html</link>
			<pdf>N</pdf>
    		<description>On Sunday, May 23, 2010, beginning at 8:00 p.m. through 12:00 a.m., the DRE will be performing system upgrades.  The IVR phone system and DRE eLicensing will be unavailable during this time. (5/10/2010)</description>
			<pubDate>Mon, 10 May 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Real Estate Commissioner Issues Short Sale Consumer Alert</title>
    		<link>http://www.dre.ca.gov/pdf_docs/pr/DRENewsrelease_shortsales_alert050510.pdf</link>
			<pdf>Y</pdf>
    		<description>DRE issues press release on residential short sale fraud. (5/5/2010)</description>
			<pubDate>Wed, 5 May 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>2010 Tax Credit for New Home/First-Time Buyer</title>
    		<link>http://www.ftb.ca.gov/individuals/new_home_credit.shtml</link>
			<pdf>N</pdf>
    		<description>The 2010 New Home Credit and First-Time Buyer Credit begins May 1, 2010. (4/20/2010)</description>
			<pubDate>Tue, 20 Apr 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Scheduled Maintenance</title>
    		<link>http://www.dre.ca.gov/gen_services.html</link>
			<pdf>N</pdf>
    		<description>On Friday, April 16, 2010, beginning at 7:00 p.m. through 10:00 p.m., the DRE will be performing system upgrades.  The IVR phone system and DRE eLicensing will be unavailable during this time. (4/15/2010)</description>
			<pubDate>Thu, 15 Apr 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Spring 2010 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Spring 2010 Real Estate Bulletin is now available. (4/12/2010)</description>
			<pubDate>Mon, 12 Apr 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Consumer Alert - Warning Regarding Residential "Short" Sales</title>
			<link>http://www.dre.ca.gov/pdf_docs/ca/ConsumerAlert_ShortSales.pdf</link>
			<pdf>Y</pdf>
			<description>New consumer alert regarding residential short sales has been posted. (4/6/2010)</description>
			<pubDate>Tue, 6 Apr 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>DRE Launches Financial Literacy Outreach Program</title>
			<link>http://www.dre.ca.gov/cons_cflm.html</link>
			<pdf>N</pdf>
			<description>New page on the DRE's Financial Literacy Outreach Program has been posted. (3/30/2010)</description>
			<pubDate>Tue, 30 Mar 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>Loan Modification Firm Surrenders License to California Department of Real Estate</title>
			<link>http://www.dre.ca.gov/pdf_docs/pr/DRENews_releaseLodModFirm031810.pdf</link>
			<pdf>Y</pdf>
			<description>Press release on loan modification firm surrendering their license been posted. (3/25/2010)</description>
			<pubDate>Thu, 25 Mar 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>Short Sale Fraud Warning</title>
			<link>http://www.dre.ca.gov/pdf_docs/Article_ShortSales03_2010.pdf</link>
			<pdf>Y</pdf>
			<description>An Overview and Warning to Real Estate Licensees Re: Fraud, and Legal and Ethical Minefields. (3/23/2010)</description>
			<pubDate>Tue, 23 Mar 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>DRE Launches News Flash RSS Subscription Service</title>
			<link>http://www.dre.ca.gov/gen_rss.html</link>
			<pdf>N</pdf>
			<description>The DRE has launched an RSS subscription service to help the public stay informed of new items posted on the website. (3/15/2010)</description>
			<pubDate>Mon, 15 Mar 2010 13:30:00 PST</pubDate>
		</item>
  		<item>
			<title>Brown Warns Homeowners to Avoid Forensic Loan Audits</title>
			<link>http://www.dre.ca.gov/pdf_docs/DRENews_Release_AGsOffice_022210.pdf</link>
			<pdf>Y</pdf>
			<description>Press release on forensic loan audits has been posted. (2/23/2010)</description>
			<pubDate>Tue, 23 Feb 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>Fraud Warning Regarding Forensic Loan Audits</title>
			<link>http://www.dre.ca.gov/pdf_docs/ConsumerWarningForensicLoanAudits.pdf</link>
			<pdf>Y</pdf>
			<description>New fraud warning regarding forensic loan audits has been posted. (2/23/2010)</description>
			<pubDate>Tue, 23 Feb 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>Winter 2009 Mortgage Loan Bulletin</title>
			<link>http://www.dre.ca.gov/pub_mlbltns.html</link>
			<pdf>N</pdf>
			<description>The Winter 2009 Mortgage Loan Bulletin is now available. (2/4/2010)</description>
			<pubDate>Thu, 4 Feb 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>Notices of Intention to Issue Bar Orders and Bar Orders</title>
			<link>http://www.dre.ca.gov/cons_barorders_list.asp</link>
			<pdf>N</pdf>
			<description>New list of persons and entities that have been issued a bar order by the Department of Real Estate is now available. (2/4/2010)</description>
			<pubDate>Thu, 4 Feb 2010 14:30:00 PST</pubDate>
		</item>
  		<item>
			<title>Winter 2009 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Winter 2009 Real Estate Bulletin is now available. (1/11/2010)</description>
			<pubDate>Mon, 11 Jan 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Request a Speaker from the Department</title>
    		<link>http://www.dre.ca.gov/gen_requestspeaker.html</link>
			<pdf>N</pdf>
    		<description>Information on requesting a speaker from the department has been posted. (1/5/2010)</description>
			<pubDate>Tue, 5 Jan 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Loan Modification Disclosure Requirements</title>
    		<link>http://www.dre.ca.gov/ind_loanmoddisclosure.html</link>
			<pdf>N</pdf>
    		<description>Information regarding Loan Modification Disclosure Requirements has been posted. (1/5/2010)</description>
			<pubDate>Tue, 5 Jan 2010 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>Important Mortgage Loan Activity Licensing Requirements - Senate Bill 36/SAFE ACT</title>
    		<link>http://www.dre.ca.gov/lic_sb36_safe.html</link>
			<pdf>N</pdf>
    		<description>Effective January 1, 2010, there are new licensing requirements for licensees who conduct residential or commercial mortgage loan activities. (12/31/2009)</description>
			<pubDate>Thu, 31 Dec 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>2010 Real Estate Law</title>
    		<link>http://www.dre.ca.gov/pub_relaw.html</link>
			<pdf>N</pdf>
    		<description>The 2010 Real Estate Law page has been updated. (12/31/2009)</description>
			<pubDate>Thu, 31 Dec 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>New Good Faith Estimate Form Required by HUD</title>
    		<link>http://www.dre.ca.gov/ind_GoodFaithEstimate_info.html</link>
			<pdf>N</pdf>
    		<description>Information on the new good faith estimate form required by HUD has been posted. (12/31/2009)</description>
			<pubDate>Thu, 31 Dec 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
			<title>California Department of Real Estate Launches Electronic Exams in Fresno</title>
    		<link>http://www.dre.ca.gov/pdf_docs/DRENews_release_Electronic_Exams121509.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on the launch of electronic exams in Fresno has been posted. (12/15/2009)</description>
			<pubDate>Tue, 15 Dec 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
    		<title>Former Real Estate Agent Barred from Working in Real Estate</title>
    		<link>http://www.dre.ca.gov/pdf_docs/DRENews_releaseCrispBAROrder11232009.pdf</link>
			<pdf>Y</pdf>
    		<description>Press release on this order has been posted. (11/23/2009)</description>
			<pubDate>Mon, 23 Nov 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
    		<title>Foreclosure Information for Homeowners</title>
    		<link>http://www.dre.ca.gov/pdf_docs/ForeclosureBrochure0909.pdf</link>
			<pdf>Y</pdf>
    		<description>A brochure that explains the foreclosure process and possible alternatives to foreclosure has been posted. (11/17/2009)</description>
			<pubDate>Tue, 17 Nov 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
    		<title>Fraud Warnings for California Homeowners in Financial Distress</title>
    		<link>http://www.dre.ca.gov/pdf_docs/FraudBrochure0909.pdf</link>
			<pdf>Y</pdf>
    		<description>A brochure that provides an overview of home loan modifications and where to find free foreclosure avoidance counseling has been posted. (11/17/2009)</description>
			<pubDate>Tue, 17 Nov 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
    		<title>Fall 2009 Real Estate Bulletin</title>
    		<link>http://www.dre.ca.gov/pub_rebltns.html</link>
			<pdf>N</pdf>
    		<description>The Fall 2009 Real Estate Bulletin is now available. (9/28/2009)</description>
			<pubDate>Mon, 28 Sep 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
    		<title>Time-share FAQ's</title>
    		<link>http://www.dre.ca.gov/sub_faq_timeshares.html</link>
			<pdf>N</pdf>
    		<description>New FAQ's on Time-shares have been posted. (8/26/2009)</description>
			<pubDate>Wed, 26 Aug 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
    		<title>Electronic Examinations Launched</title>
    		<link>http://www.dre.ca.gov/exm_eep_notice.html</link>
			<pdf>N</pdf>
    		<description>DRE is now conducting salesperson and broker examinations in the Oakland District Office using an electronic examination system. (8/3/2009)</description>
			<pubDate>Mon, 3 Aug 2009 14:30:00 PST</pubDate>
  		</item>
  		<item>
    		<title>2009-10 Strategic Plan</title>
    		<link>http://www.dre.ca.gov/pdf_docs/strategic_plan_09_10.pdf</link>
			<pdf>Y</pdf>
    		<description>The Department of Real Estate's 2009-10 Strategic Plan is now available. (7/9/2009)</description>
			<pubDate>Thu, 9 Jul 2009 14:30:00 PST</pubDate>
  		</item>
	</channel>
</rss>
