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Overview
Navigate Changes Affecting Housing Finance, Development, Zoning, and More
The ROAD to Housing Act marks one of the most significant federal housing reforms in decades, with sweeping changes affecting residential development, mortgage lending, affordable housing programs, manufactured housing, institutional investors, and rental housing. Whether you represent buyers, lenders, developers, landlords, housing authorities, or local governments, these reforms will influence how you advise clients and structure transactions. Join our experienced faculty for a practical review of the Act's key provisions, implementation timeline, anticipated HUD and FHFA rulemaking, and the immediate steps you should be taking to prepare your clients for what's ahead. Register today!
- Get up to speed on the Act's key provisions, timelines, and anticipated rulemaking.
- Navigate changes affecting mortgage lending and appraisals.
- Help clients capitalize on new financing opportunities and development incentives.
- Learn how the Act reshapes zoning opportunities and environmental review.
This program was designed in conjunction with NBI's esteemed Content Advisory Committee Member Kimberly Jackson.
Abbreviated Agenda
- The ROAD to Housing Act: Key Changes and Implementation Timeline
- Rental Housing and Tenant Protections
- Mortgage Lending, Appraisals, and Banking Changes
- Housing Supply Reforms: Zoning, Development, and Environmental Review
- Manufactured Housing: Expanding Supply and Development Opportunities
- Institutional Investors and Single-Family Housing Transactions
- Federal Housing Financing Programs: FHA, HOME, CDBG, and New Funding Opportunities
- Advising Clients Under the ROAD to Housing Act: Immediate Action Items
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Credit Details
Credits Available
| Credit | Status | Total |
|---|---|---|
| Alaska CLE |
|
4 Total |
| Alabama CLE |
|
4 Total |
| Arkansas CLE |
|
4 Total |
| Arizona CLE |
|
4 Total |
| California CLE |
|
4 Total |
| Colorado CLE |
|
5 Total |
| Connecticut CLE |
|
4 Total |
| Delaware CLE |
|
4 Total |
| Florida CLE |
|
5 Total |
| Georgia CLE |
|
4 Total |
| Hawaii CLE |
|
4 Total |
| Iowa CLE |
|
4 Total |
| Idaho CLE |
|
4 Total |
| Illinois CLE |
|
4 Total |
| Indiana CLE |
|
4 Total |
| Kansas CLE |
|
4.5 Total |
| Kentucky CLE |
|
4 Total |
| Louisiana CLE |
|
4 Total |
| Maine CLE |
|
4 Total |
| Minnesota CLE |
|
4 Total |
| Missouri CLE |
|
4.8 Total |
| Northern Mariana Islands CLE |
|
4 Total |
| Montana CLE |
|
4 Total |
| North Carolina CLE |
|
4 Total |
| North Dakota CLE |
|
4 Total |
| Nebraska CLE |
|
4 Total |
| New Hampshire CLE |
|
4 Total |
| New Jersey CLE |
|
4.8 Total |
| New Mexico CLE |
|
4 Total |
| Nevada CLE |
|
4 Total |
| New York CLE |
|
4.5 Total |
| Ohio CLE |
|
4 Total |
| Oklahoma CLE |
|
5 Total |
| Oregon CLE |
|
4 Total |
| Pennsylvania CLE |
|
4 Total |
| Rhode Island CLE |
|
3.5 Total |
| South Carolina CLE |
|
4 Total |
| Tennessee CLE |
|
4 Total |
| Texas CLE |
|
4 Total |
| Utah CLE |
|
4 Total |
| Virginia CLE |
|
4 Total |
| Vermont CLE |
|
4 Total |
| Washington CLE |
|
4 Total |
| Wisconsin CLE |
|
4.5 Total |
| West Virginia CLE |
|
4.8 Total |
| Wyoming CLE |
|
4 Total |
Credit Details by Jurisdiction
Live Webinar Registration
CLE
Credits
Alaska CLE Reciprocity · 4 Total Credits
Live - Alaska CLE - 4: Alaska Bar members may claim credit for attending CLE programs that have been accredited by other mandatory CLE jurisdictions. This program qualifies for 4.0 hours of credit, which includes 4.0 hours of MCLE credit and 0.0 hour of MECLE credit.
Alabama CLE Approved · 4 Total Credits
Live - Alabama CLE - 4: This course or a portion thereof has been approved by the Alabama State Bar Mandatory Continuing Legal Education Commission for a maximum of 4.0 credit hours, including 0.0 ethics/professionalism credit.
Arkansas CLE Approved · 4 Total Credits
Live - Arkansas CLE - 4: NBI, Inc. is an accredited sponsor in the state of Arkansas. This program is approved for 4.0 hours of continuing legal education credit, including 0.0 hour of ethics, consistent with the rules and regulations of the Arkansas Supreme Court of Professional Programs.
Arizona CLE Approved · 4 Total Credits
Live - Arizona CLE - 4: The State Bar of Arizona does not approve or accredit CLE activities for the Mandatory Continuing Legal Education requirement. This activity qualifies for 4.0 hours toward your annual CLE requirement for the State of Arizona, including 0.0 hour of professional responsibility.
California CLE Approved · 4 Total Credits
Live - California CLE - 4: This activity has been approved for Minimum Continuing Legal Education credit by the State Bar of California in the amount of 4.0 hours, of which 0.0 hour will apply to legal ethics. NBI, Inc. certifies this activity conforms to the standards for approved education activities prescribed by the rules and regulations of the State Bar of California governing minimum continuing legal education. NBI, Inc. is a State Bar of California approved MCLE provider - #53.
Colorado CLE Approved · 5 Total Credits
Live - Colorado CLE - 5: NBI, Inc. is a Certified Provider, as recognized by the Colorado Supreme Court Continuing Legal and Judicial Education Committee. This program has been accredited for 5.0 hours of General Colorado Continuing Legal Education Credit, including 0.0 professional responsibility credit.
Connecticut CLE Approved · 4 Total Credits
Live - Connecticut CLE - 4: Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. It is the opinion of NBI, Inc. that this activity qualifies for 4.0 hours toward your annual CLE requirement in Connecticut, including 0.0 hour(s) of ethics/professionalism.
Delaware CLE Approved · 4 Total Credits
Live - Delaware CLE - 4: NBI, Inc. is an accredited sponsor of the Delaware Commission on Continuing Legal Education and recommends this program for 4.0 hours of eCLE credit, including 0.0 hour of ethics.
Florida CLE Approved · 5 Total Credits
- 5 State & Federal Government & Administrative Practice
Live - Florida CLE - 5: Approved by The Florida Bar for a maximum of 5.0 general hours of CLER credit including 0.0 hour of professional responsibility (may include legal ethics, professionalism, substance abuse or mental illness and wellness programs). Certification: 5.0 - State and Federal Government and Administrative Practice
Georgia CLE Approved · 4 Total Credits
Live - Georgia CLE - 4: This program is approved by the Commission on Continuing Lawyer Competency of the State Bar of Georgia. This program qualifies for 4.0 hours of distance learning continuing legal education credit with the Georgia Commission on Continuing Lawyer Competency, which includes 0.0 hour of distance learning ethics.
Hawaii CLE Approved · 4 Total Credits
Live - Hawaii CLE - 4: NBI, Inc. is an Accredited Provider with the Hawaii State Board of Continuing Legal Education. This alternative format activity has been approved for 4.0 hours of credit for the state of Hawaii, which includes 0.0 hour of ethics or professional responsibility education.
Iowa CLE Approved · 4 Total Credits
Live - Iowa CLE - 4: "The New Federal Housing Law: Inside the ROAD to Housing Act" is an accredited program under the regulations of the Iowa Supreme Court Commission on Continuing Legal Education. It is planned that this program will provide a maximum of 4.0 hours of regular credit toward the mandatory continuing legal education requirements under the Iowa rule, including 0.0 hour of legal ethics credit.
Idaho CLE Approved · 4 Total Credits
Live - Idaho CLE - 4: Approved for 4.0 hours of continuing legal education credit in the state of Idaho, which includes 0.0 legal ethics or professional responsibility credit.
Illinois CLE Approved · 4 Total Credits
Live - Illinois CLE - 4: This program has been approved by the Illinois MCLE Board for 4.0 hours of CLE credit, which includes approval for 0.0 hour of legal ethics, civility, professionalism or sexual harassment prevention training CLE credit by the Illinois Supreme Court Commission on Professionalism.
Indiana CLE Approved · 4 Total Credits
Live - Indiana CLE - 4: This course has been approved by the Indiana Supreme Court Office of Admissions & Continuing Education. Participating attorneys are eligible to receive 4.0 hours of distance education, which includes 0.0 hour of ethics.
Kansas CLE Approved · 4.5 Total Credits
Live - Kansas CLE - 4.5: Approved by Kansas CLE for 4.50 hours of continuing legal education credit, which includes 0.0 hour of ethics and professionalism credit.
Kentucky CLE Approved · 4 Total Credits
Live - Kentucky CLE - 4: This activity has been approved by the Kentucky Bar Association Continuing Legal Education Commission for a maximum of 4.0 credits, including 0.0 ethics credits.
Louisiana CLE Approved · 4 Total Credits
Live - Louisiana CLE - 4: This course or a portion thereof has been approved by the Louisiana Mandatory Continuing Legal Education Committee of the Louisiana State Bar Association. This program qualifies for 4.0 hours (based on a 60-minute credit hour) of computer based credit, of which 0.0 hour will apply to computer based ethics credit.
Maine CLE Approved · 4 Total Credits
Live - Maine CLE - 4: This course has been approved by the State of Maine Board of Overseers of the Bar. Lawyers who complete this course shall receive 4.0 hours of CLE credit including 0.0 ethics hours.
Course Book - Maine CLE - 4: This course has been approved by the State of Maine Board of Overseers of the Bar. Lawyers who complete this course will receive 4.0 hours of self-study CLE credit.
Minnesota CLE Approved · 4 Total Credits
Live - Minnesota CLE - 4: This course has been approved by the Minnesota Board of Continuing Legal Education for 4.0 hours of standard CLE credit, including 0.0 hour of ethics credit.
Missouri CLE Approved · 4.8 Total Credits
Live - Missouri CLE - 4.8: NBI, Inc. is an accredited sponsor with Missouri Minimum Continuing Legal Education. This program qualifies for 4.80 hours of CLE credit, which includes 0.0 hour of ethics, professionalism or malpractice prevention credit.
Course Book - Missouri CLE - 4.8: NBI, Inc. is an accredited sponsor with Missouri Minimum Continuing Legal Education. This program qualifies for 4.80 self-study CLE credit hours.
Northern Mariana Islands CLE Approved · 4 Total Credits
Live - Northern Mariana Islands CLE - 4: This course has been approved by the Commonwealth of the Northern Mariana Islands. Lawyers who complete this course shall receive 4.0 hours of CLE credit.
Course Book - Northern Mariana Islands CLE - 4: This course has been approved by the Commonwealth of the Northern Mariana Islands. Lawyers who complete this course shall receive 4.0 hours of self-study CLE credit.
Montana CLE Approved · 4 Total Credits
Live - Montana CLE - 4: Approved for 4.0 hours of CLE credit by the Montana Commission of Continuing Legal Education, including 0.0 hour of professional fitness and integrity credit.
North Carolina CLE Approved · 4 Total Credits
- 4 Real Property Law
Live - North Carolina CLE - 4: NBI, Inc. is an accredited sponsor with the North Carolina State Board of Continuing Legal Education. Attendance of this program will result in 4.0 hours of CLE credit, including 0.0 professional responsibility. This program qualifies for Real Property Law specialization certification credit.
North Dakota CLE Approved · 4 Total Credits
Live - North Dakota CLE - 4: This program has been approved by the North Dakota Commission for Continuing Legal Education for 4.0 hours of CLE credit, including 0.0 hour of ethics credit.
Nebraska CLE Approved · 4 Total Credits
Live - Nebraska CLE - 4: NBI, Inc. is an accredited CLE sponsor in the state of Nebraska. This activity has been approved for 4.0 distance learning CLE credits, including 0.0 hour of professional responsibility credit.
New Hampshire CLE Approved · 4 Total Credits
Live - New Hampshire CLE - 4: NHMCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. NBI, Inc. believes this course meets the requirements of NH Supreme Court Rule 53 toward the annual NHMCLE requirement.
New Jersey CLE Approved · 4.8 Total Credits
Live - New Jersey CLE - 4.8: This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 4.80 hours of total CLE credit. Of these, 0.0 qualifies as hours of credit for ethics/professionalism.
New Mexico CLE Approved · 4 Total Credits
Live - New Mexico CLE - 4: This program has been approved by the Board of Bar Commissioners of the State Bar of New Mexico for 4.0 hours of credit, including 0.0 hour of ethics.
Nevada CLE Approved · 4 Total Credits
Live - Nevada CLE - 4: This course has been approved by the Nevada Board of Continuing Legal Education. This program qualifies for 4.0 hours of alternative format CLE credits by the Nevada Board of Continuing Legal Education, which includes 0.0 hour of alternative format ethical considerations.
New York CLE Approved · 4.5 Total Credits
- 4.5 Areas of Professional Practice
Live - New York CLE - 4.5: This course has been approved in accordance with the requirements of the New York State Continuing Legal Education Board for a maximum of 4.50 credit hours. 4.50 hours can be applied to the areas of professional practice requirement. This nontraditional format program is approved for experienced attorneys. NBI, Inc. offers a Financial Hardship Policy for qualifying individuals. To apply, please submit a request via email to our Tuition Discount Committee at customerservice@nbi-sems.com.
Ohio CLE Approved · 4 Total Credits
Live - Ohio CLE - 4: This course has been approved by the Supreme Court of Ohio Commission on Continuing Legal Education for 4.0 CLE credit hours, including 0.0 hour of attorney professional conduct instruction.
Oklahoma CLE Approved · 5 Total Credits
Live - Oklahoma CLE - 5: This course has been approved by the Oklahoma Bar Association Mandatory Continuing Legal Education Commission for 5.0 hours of CLE credit, which includes 0.0 hour of legal ethics.
Oregon CLE Approved · 4 Total Credits
Live - Oregon CLE - 4: NBI, Inc. is an approved sponsor with the Oregon MCLE. This program is approved for 4.0 hours of general continuing legal education credit and 0.0 hour of ethics credit.
Pennsylvania CLE Approved · 4 Total Credits
Live - Pennsylvania CLE - 4: This program has been approved by the Pennsylvania Continuing Legal Education Board for a total of 4.0 hours, including 4.0 hours of substantive law, practice and procedure CLE credit and 0.0 hour of ethics, professionalism or substance abuse CLE credit.
Rhode Island CLE Upon Request · 3.5 Total Credits
Live - Rhode Island CLE - 3.5: NBI is an accredited sponsor with the Rhode Island MCLE Commission. Upon course completion and credit request submittal, an application will be submitted to the Rhode Island MCLE Commission.
South Carolina CLE Approved · 4 Total Credits
Live - South Carolina CLE - 4: This course is accredited by the South Carolina Commission on Continuing Legal Education and Specialization for 4.0 alternatively delivered hours, of which 0.0 hour relates to legal ethics and professional responsibility.
Tennessee CLE Approved · 4 Total Credits
Live - Tennessee CLE - 4: This course has been approved by the Tennessee Commission on Continuing Legal Education for a maximum of 4.0 hours of Distance Learning credit, including 0.0 hour of ethics/professionalism (EP) credit.
Texas CLE Approved · 4 Total Credits
Live - Texas CLE - 4: This course is accredited for Minimum Continuing Legal Education credit by the State Bar of Texas Committee on MCLE in the amount of 4.0 credit hours, of which 0.0 credit hour will apply to legal ethics/professional responsibility credit. Hours in attendance at National Business Institute CLE seminars may be applied to the minimum Judicial Education requirement.
Utah CLE Approved · 4 Total Credits
Live - Utah CLE - 4: National Business Institute is an approved "presumptive provider" with the Utah State Board of Continuing Legal Education. This program qualifies for a maximum of 4.0 hours of Live CLE credit for Utah attorneys, which includes 0.0 hour of ethics credit.
Virginia CLE Approved · 4 Total Credits
Live - Virginia CLE - 4: This course has been approved by the Virginia Mandatory Continuing Legal Education Board for 4.0 hours of credit, of which 0.0 hour will also apply in the area of legal ethics or professionalism.
Vermont CLE Approved · 4 Total Credits
Live - Vermont CLE - 4: This course has been approved by the Vermont Board of Mandatory Continuing Legal Education for 4.0 hours of credit, including 0.0 hour of ethics.
Washington CLE Approved · 4 Total Credits
Live - Washington CLE - 4: Approved for 4.0 hours of Washington continuing legal education credit, which includes 4.0 hours of Law and Legal Procedure and 0.0 hour of ethics and professional responsibility.
Wisconsin CLE Approved · 4.5 Total Credits
Live - Wisconsin CLE - 4.5: Approved for 4.50 hours of CLE credit by the Board of Bar Examiners, including 0.0 hour of ethics and professional responsibility (EPR) credit.
West Virginia CLE Approved · 4.8 Total Credits
Live - West Virginia CLE - 4.8: This program qualifies for 4.80 hours of credit, which includes 0.0 hour of ethics, under the West Virginia Rules for Mandatory Continuing Legal Education.
Wyoming CLE Approved · 4 Total Credits
Live - Wyoming CLE - 4: The Wyoming State Board of Continuing Legal Education has granted 4.0 hours of Continuing Legal Education Credit, including 0.0 hour of ethics.
OnDemand Video
CLE
Credits
Alaska CLE Reciprocity · 4 Total Credits
Earn Until
OnDemand - Alaska CLE - 4: Alaska Bar members may claim credit for attending CLE programs that have been accredited by other mandatory CLE jurisdictions. This program qualifies for 4.0 hours of credit, which includes 4.0 hours of MCLE credit and 0.0 hour of MECLE credit.
Video Download - Alaska CLE - 4: Alaska Bar members may claim credit for attending CLE programs that have been accredited by other mandatory CLE jurisdictions. This program qualifies for 4.0 hours of credit, which includes 4.0 hours of MCLE credit and 0.0 hour of MECLE credit.
Alabama CLE Approved · 4 Total Credits
Earn Until
OnDemand - Alabama CLE - 4: This course or a portion thereof has been approved by the Alabama State Bar Mandatory Continuing Legal Education Commission for a maximum of 4.0 on-demand credit hours, including 0.0 ethics/professionalism credit.
Arkansas CLE Approved · 4 Total Credits
Earn Until
OnDemand - Arkansas CLE - 4: NBI, Inc. is an accredited sponsor in the state of Arkansas. This program qualifies for 4.0 hours of on demand continuing legal education credit, including 0.0 hour of ethics, consistent with the rules and regulations of the Arkansas Supreme Court of Professional Programs.
Video Download - Arkansas CLE - 4: NBI, Inc. is an accredited sponsor in the state of Arkansas. This program qualifies for 4.0 hours of on demand continuing legal education credit, including 0.0 hour of ethics, consistent with the rules and regulations of the Arkansas Supreme Court of Professional Programs.
Arizona CLE Approved · 4 Total Credits
Earn Until
OnDemand - Arizona CLE - 4: The State Bar of Arizona does not approve or accredit CLE activities for the Mandatory Continuing Legal Education requirement. This activity qualifies for 4.0 hours toward your annual CLE requirement for the State of Arizona, including 0.0 hour of professional responsibility.
Video Download - Arizona CLE - 4: The State Bar of Arizona does not approve or accredit CLE activities for the Mandatory Continuing Legal Education requirement. This activity qualifies for 4.0 hours toward your annual CLE requirement for the State of Arizona, including 0.0 hour of professional responsibility.
California CLE Approved · 4 Total Credits
Earn Until
OnDemand - California CLE - 4: This activity has been approved for Minimum Continuing Legal Education credit by the State Bar of California and qualifies for 4.0 hours of participatory credit, of which 0.0 hour will apply to legal ethics credit. NBI, Inc. certifies this activity conforms to the standards for approved education activities prescribed by the rules and regulations of the State Bar of California governing minimum continuing legal education. NBI, Inc. is a State Bar of California approved MCLE provider - #53.
Video Download - California CLE - 4: This activity has been approved for Minimum Continuing Legal Education credit by the State Bar of California and qualifies for 4.0 hours of self-study credit, of which 0.0 hour will apply to legal ethics credit. NBI, Inc. certifies this activity conforms to the standards for approved education activities prescribed by the rules and regulations of the State Bar of California governing minimum continuing legal education. NBI, Inc. is a State Bar of California approved MCLE provider - #53.
Colorado CLE Approved · 5 Total Credits
Earn Until
OnDemand - Colorado CLE - 5: NBI, Inc. is a Certified Provider, as recognized by the Colorado Supreme Court Continuing Legal and Judicial Education Committee. This program qualifies for 5.0 hours of home study general Colorado Continuing Legal Education Credit, including 0.0 professional responsibility credit.
Video Download - Colorado CLE - 5: NBI, Inc. is a Certified Provider, as recognized by the Colorado Supreme Court Continuing Legal and Judicial Education Committee. This program qualifies for 5.0 hours of home study general Colorado Continuing Legal Education Credit, including 0.0 professional responsibility credit.
Connecticut CLE Approved · 4 Total Credits
Earn Until
OnDemand - Connecticut CLE - 4: Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. It is the opinion of NBI, Inc. that this activity qualifies for 4.0 self-study hours toward your annual CLE requirement in Connecticut, including 0.0 self-study hour(s) of ethics/professionalism.
Video Download - Connecticut CLE - 4: Neither the Connecticut Judicial Branch nor the Commission on Minimum Continuing Legal Education approve or accredit CLE providers or activities. It is the opinion of NBI, Inc. that this activity qualifies for 4.0 self-study hours toward your annual CLE requirement in Connecticut, including 0.0 self-study hour(s) of ethics/professionalism.
Delaware CLE Approved · 4 Total Credits
Earn Until
OnDemand - Delaware CLE - 4: NBI, Inc. is an accredited sponsor of the Delaware Commission on Continuing Legal Education and recommends this program for 4.0 hours of eCLE credit, including 0.0 hour of ethics.
Florida CLE Approved · 5 Total Credits
- 5 State & Federal Government & Administrative Practice
Earn Until
OnDemand - Florida CLE - 5: Approved by The Florida Bar, this program qualifies for 5.0 general hours of CLER self-study credit including 0.0 hour of self-study professional responsibility (may include legal ethics, professionalism, substance abuse or mental illness and wellness programs). Certification: 5.0 - State and Federal Government and Administrative Practice
Video Download - Florida CLE - 5: Approved by The Florida Bar, this program qualifies for 5.0 general hours of CLER self-study credit including 0.0 hour of self-study professional responsibility (may include legal ethics, professionalism, substance abuse or mental illness and wellness programs). Certification: 5.0 - State and Federal Government and Administrative Practice
Georgia CLE Approved · 4 Total Credits
Earn Until
OnDemand - Georgia CLE - 4: This program is approved by the Commission on Continuing Lawyer Competency of the State Bar of Georgia. This program qualifies for 4.0 hours of distance learning continuing legal education credit with the Georgia Commission on Continuing Lawyer Competency, which includes 0.0 hour of distance learning ethics.
Video Download - Georgia CLE - 4: This program is approved by the Commission on Continuing Lawyer Competency of the State Bar of Georgia. This program qualifies for 4.0 hours of distance learning continuing legal education credit with the Georgia Commission on Continuing Lawyer Competency, which includes 0.0 hour of distance learning ethics.
Hawaii CLE Approved · 4 Total Credits
Earn Until
OnDemand - Hawaii CLE - 4: NBI, Inc. is an Accredited Provider with the Hawaii State Board of Continuing Legal Education. This alternative format activity has been approved for 4.0 hours of credit for the state of Hawaii, which includes 0.0 hour of ethics or professional responsibility education.
Video Download - Hawaii CLE - 4: NBI, Inc. is an Accredited Provider with the Hawaii State Board of Continuing Legal Education. This alternative format activity has been approved for 4.0 hours of credit for the state of Hawaii, which includes 0.0 hour of ethics or professional responsibility education.
Iowa CLE Approved · 4 Total Credits
Earn Until
OnDemand - Iowa CLE - 4: "The New Federal Housing Law: Inside the ROAD to Housing Act" is an accredited program under the regulations of the Iowa Supreme Court Commission on Continuing Legal Education. It is planned that this program will provide a maximum of 4.0 hours of unmoderated activity credit toward the mandatory continuing legal education requirements under the Iowa rule, including 0.0 hour of legal ethics unmoderated activity credit.
Idaho CLE Approved · 4 Total Credits
Earn Until
OnDemand - Idaho CLE - 4: Approved for 4.0 hours of self-study continuing legal education credit in the state of Idaho, which includes 0.0 self-study legal ethics or professional responsibility credit.
Video Download - Idaho CLE - 4: Approved for 4.0 hours of self-study continuing legal education credit in the state of Idaho, which includes 0.0 self-study legal ethics or professional responsibility credit.
Illinois CLE Approved · 4 Total Credits
Earn Until
OnDemand - Illinois CLE - 4: This program has been approved by the Illinois MCLE Board for 4.0 hours of recorded technology CLE credit, which includes approval for 0.0 hour of legal ethics, civility, professionalism or sexual harassment prevention training CLE credit by the Illinois Supreme Court Commission on Professionalism.
Video Download - Illinois CLE - 4: This program has been approved by the Illinois MCLE Board for 4.0 hours of recorded technology CLE credit, which includes approval for 0.0 hour of legal ethics, civility, professionalism or sexual harassment prevention training CLE credit by the Illinois Supreme Court Commission on Professionalism.
Indiana CLE Approved · 4 Total Credits
Earn Until
OnDemand - Indiana CLE - 4: This course has been approved by the Indiana Supreme Court Office of Admissions & Continuing Education. Participating attorneys are eligible to receive 4.0 hours of distance education, which includes 0.0 hour of ethics.
Kansas CLE Approved · 4.5 Total Credits
Earn Until
OnDemand - Kansas CLE - 4.5: Approved by Kansas CLE for 4.50 hours of prerecorded format continuing legal education credit, which includes 0.0 hour of ethics and professionalism credit.
Video Download - Kansas CLE - 4.5: Approved by Kansas CLE for 4.50 hours of prerecorded format continuing legal education credit, which includes 0.0 hour of ethics and professionalism credit.
Kentucky CLE Approved · 4 Total Credits
Earn Until
OnDemand - Kentucky CLE - 4: This program has been approved as a technological CLE activity by the Kentucky Bar Association Continuing Legal Education Commission and qualifies for 4.0 credits, including 0.0 ethics credits.
Video Download - Kentucky CLE - 4: This program has been approved as a technological CLE activity by the Kentucky Bar Association Continuing Legal Education Commission and qualifies for 4.0 credits, including 0.0 ethics credits.
Louisiana CLE Approved · 4 Total Credits
Earn Until
OnDemand - Louisiana CLE - 4: This course or a portion thereof has been approved by the Louisiana Mandatory Continuing Legal Education Committee of the Louisiana State Bar Association. This program qualifies for 4.0 hours (based on a 60-minute credit hour) of computer based credit, of which 0.0 hour will apply to computer based ethics credit.
Maine CLE Approved · 4 Total Credits
Earn Until
OnDemand - Maine CLE - 4: This course has been approved by the State of Maine Board of Overseers of the Bar. Lawyers who complete this course will receive 4.0 hours of self-study CLE credit.
Video Download - Maine CLE - 4: This course has been approved by the State of Maine Board of Overseers of the Bar. Lawyers who complete this course will receive 4.0 hours of self-study CLE credit.
Course Book - Maine CLE - 4: This course has been approved by the State of Maine Board of Overseers of the Bar. Lawyers who complete this course will receive 4.0 hours of self-study CLE credit.
Minnesota CLE Approved · 4 Total Credits
Earn Until
OnDemand - Minnesota CLE - 4: Approved for 4.0 hours of standard on-demand CLE credit, including 0.0 hour of ethics credit by the Minnesota Board of Continuing Legal Education.
Video Download - Minnesota CLE - 4: Approved for 4.0 hours of standard on-demand CLE credit, including 0.0 hour of ethics credit by the Minnesota Board of Continuing Legal Education.
Missouri CLE Approved · 4.8 Total Credits
Earn Until
OnDemand - Missouri CLE - 4.8: NBI, Inc. is an accredited sponsor with Missouri Minimum Continuing Legal Education. This program qualifies for 4.80 self-study CLE credit hours.
Video Download - Missouri CLE - 4.8: NBI, Inc. is an accredited sponsor with Missouri Minimum Continuing Legal Education. This program qualifies for 4.80 self-study CLE credit hours.
Course Book - Missouri CLE - 4.8: NBI, Inc. is an accredited sponsor with Missouri Minimum Continuing Legal Education. This program qualifies for 4.80 self-study CLE credit hours.
Northern Mariana Islands CLE Approved · 4 Total Credits
Earn Until
OnDemand - Northern Mariana Islands CLE - 4: This course has been approved by the Commonwealth of the Northern Mariana Islands. Lawyers who complete this course shall receive 4.0 hours of self-study CLE credit.
Video Download - Northern Mariana Islands CLE - 4: This course has been approved by the Commonwealth of the Northern Mariana Islands. Lawyers who complete this course shall receive 4.0 hours of self-study CLE credit.
Course Book - Northern Mariana Islands CLE - 4: This course has been approved by the Commonwealth of the Northern Mariana Islands. Lawyers who complete this course shall receive 4.0 hours of self-study CLE credit.
Montana CLE Approved · 4 Total Credits
Earn Until
OnDemand - Montana CLE - 4: This program qualifies for 4.0 hours of self-study CLE credit by the Montana Commission of Continuing Legal Education, including 0.0 hour of professional fitness and integrity credit.
Video Download - Montana CLE - 4: This program qualifies for 4.0 hours of self-study CLE credit by the Montana Commission of Continuing Legal Education, including 0.0 hour of professional fitness and integrity credit.
North Carolina CLE Approved · 4 Total Credits
- 4 Real Property Law
Earn Until
OnDemand - North Carolina CLE - 4: NBI, Inc. is an accredited sponsor with the North Carolina State Board of Continuing Legal Education. Attendance of this program qualifies for 4.0 hours of online CLE credit, including 0.0 professional responsibility. This program qualifies for Real Property Law specialization certification credit.
Video Download - North Carolina CLE - 4: NBI, Inc. is an accredited sponsor with the North Carolina State Board of Continuing Legal Education. Attendance of this program qualifies for 4.0 hours of online CLE credit, including 0.0 professional responsibility. This program qualifies for Real Property Law specialization certification credit.
North Dakota CLE Approved · 4 Total Credits
Earn Until
OnDemand - North Dakota CLE - 4: North Dakota attorneys completing this program may claim 4.0 North Dakota self-study CLE credit hours, including 0.0 hour of self-study ethics credit, on the Report of Compliance.
Video Download - North Dakota CLE - 4: North Dakota attorneys completing this program may claim 4.0 North Dakota self-study CLE credit hours, including 0.0 hour of self-study ethics credit, on the Report of Compliance.
Nebraska CLE Approved · 4 Total Credits
Earn Until
OnDemand - Nebraska CLE - 4: NBI, Inc. is an accredited CLE sponsor in the state of Nebraska. This activity has been approved for 4.0 distance learning CLE credits, including 0.0 hour of professional responsibility credit.
Video Download - Nebraska CLE - 4: NBI, Inc. is an accredited CLE sponsor in the state of Nebraska. This activity has been approved for 4.0 distance learning CLE credits, including 0.0 hour of professional responsibility credit.
New Hampshire CLE Approved · 4 Total Credits
Earn Until
OnDemand - New Hampshire CLE - 4: NHMCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. NBI, Inc. believes this course meets the requirements of NH Supreme Court Rule 53 toward the annual NHMCLE requirement.
Video Download - New Hampshire CLE - 4: NHMCLE does not approve or accredit CLE activities for the NH Minimum CLE requirement. NBI, Inc. believes this course meets the requirements of NH Supreme Court Rule 53 toward the annual NHMCLE requirement.
New Jersey CLE Approved · 4.8 Total Credits
Earn Until
OnDemand - New Jersey CLE - 4.8: This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 4.80 hours of alternative format CLE credit. Of these, 0.0 qualifies as hours of alternative learning format credit for ethics/professionalism.
Video Download - New Jersey CLE - 4.8: This program has been approved by the Board on Continuing Legal Education of the Supreme Court of New Jersey for 4.80 hours of alternative format CLE credit. Of these, 0.0 qualifies as hours of alternative learning format credit for ethics/professionalism.
New Mexico CLE Approved · 4 Total Credits
Earn Until
OnDemand - New Mexico CLE - 4: This program has been approved by the Board of Bar Commissioners of the State Bar of New Mexico. This program qualifies for 4.0 hours of self-study credit, including 0.0 hour of self-study ethics credit.
Video Download - New Mexico CLE - 4: This program has been approved by the Board of Bar Commissioners of the State Bar of New Mexico. This program qualifies for 4.0 hours of self-study credit, including 0.0 hour of self-study ethics credit.
Nevada CLE Approved · 4 Total Credits
Earn Until
OnDemand - Nevada CLE - 4: This course has been approved by the Nevada Board of Continuing Legal Education. This program qualifies for 4.0 hours of alternative format CLE credits by the Nevada Board of Continuing Legal Education, which includes 0.0 hour of alternative format ethical considerations.
Video Download - Nevada CLE - 4: This course has been approved by the Nevada Board of Continuing Legal Education. This program qualifies for 4.0 hours of alternative format CLE credits by the Nevada Board of Continuing Legal Education, which includes 0.0 hour of alternative format ethical considerations.
New York CLE Approved · 4.5 Total Credits
- 4.5 Areas of Professional Practice
Earn Until
OnDemand - New York CLE - 4.5: This nontraditional format course has been approved in accordance with the requirements of the New York State Continuing Legal Education Board for up to 4.50 credit hours. 4.50 hours can be applied to the areas of professional practice requirement and is approved for experienced attorneys. NBI, Inc. offers a Financial Hardship Policy for qualifying individuals. To apply, please submit a request via email to our Tuition Discount Committee at customerservice@nbi-sems.com.
Video Download - New York CLE - 4.5: This nontraditional format course has been approved in accordance with the requirements of the New York State Continuing Legal Education Board for up to 4.50 credit hours. 4.50 hours can be applied to the areas of professional practice requirement and is approved for experienced attorneys. NBI, Inc. offers a Financial Hardship Policy for qualifying individuals. To apply, please submit a request via email to our Tuition Discount Committee at customerservice@nbi-sems.com.
Ohio CLE Approved · 4 Total Credits
Earn Until
OnDemand - Ohio CLE - 4: This course has been approved by the Supreme Court of Ohio Commission on Continuing Legal Education for 4.0 CLE credit hours, including 0.0 hour of attorney professional conduct instruction.
Video Download - Ohio CLE - 4: This course has been approved by the Supreme Court of Ohio Commission on Continuing Legal Education for 4.0 CLE credit hours, including 0.0 hour of attorney professional conduct instruction.
Oklahoma CLE Approved · 5 Total Credits
Earn Until
OnDemand - Oklahoma CLE - 5: This course has been approved by the Oklahoma Bar Association Mandatory Continuing Legal Education Commission. This program qualifies for 5.0 of On Demand CLE credit hours, which includes 0.0 hour of legal ethics.
Video Download - Oklahoma CLE - 5: This course has been approved by the Oklahoma Bar Association Mandatory Continuing Legal Education Commission. This program qualifies for 5.0 of On Demand CLE credit hours, which includes 0.0 hour of legal ethics.
Oregon CLE Approved · 4 Total Credits
Earn Until
OnDemand - Oregon CLE - 4: NBI, Inc. is an approved sponsor with the Oregon MCLE. This program qualifies for 4.0 hours of general continuing legal education credit and 0.0 hour of ethics credit.
Video Download - Oregon CLE - 4: NBI, Inc. is an approved sponsor with the Oregon MCLE. This program qualifies for 4.0 hours of general continuing legal education credit and 0.0 hour of ethics credit.
Pennsylvania CLE Approved · 4 Total Credits
Earn Until
OnDemand - Pennsylvania CLE - 4: This program has been approved by the Pennsylvania Continuing Legal Education Board. This program qualifies for 4.0 hours of distance learning credit, including 4.0 hours of substantive law, practice and procedure CLE credit and 0.0 hour of ethics, professionalism or substance abuse distance learning CLE credit.
Video Download - Pennsylvania CLE - 4: This program has been approved by the Pennsylvania Continuing Legal Education Board. This program qualifies for 4.0 hours of distance learning credit, including 4.0 hours of substantive law, practice and procedure CLE credit and 0.0 hour of ethics, professionalism or substance abuse distance learning CLE credit.
Rhode Island CLE Upon Request · 3.5 Total Credits
Earn Until
OnDemand - Rhode Island CLE - 3.5: NBI is an accredited sponsor with the Rhode Island MCLE Commission. Upon course completion and credit request submittal, an application will be submitted to the Rhode Island MCLE Commission.
Video Download - Rhode Island CLE - 3.5: NBI is an accredited sponsor with the Rhode Island MCLE Commission. Upon course completion and credit request submittal, an application will be submitted to the Rhode Island MCLE Commission.
South Carolina CLE Approved · 4 Total Credits
Earn Until
OnDemand - South Carolina CLE - 4: This course is accredited by the South Carolina Commission on Continuing Legal Education and Specialization for 4.0 alternatively delivered hours, of which 0.0 hour relates to legal ethics and professional responsibility.
Video Download - South Carolina CLE - 4: This course is accredited by the South Carolina Commission on Continuing Legal Education and Specialization for 4.0 alternatively delivered hours, of which 0.0 hour relates to legal ethics and professional responsibility.
Tennessee CLE Approved · 4 Total Credits
Earn Until
OnDemand - Tennessee CLE - 4: This course has been approved by the Tennessee Commission on Continuing Legal Education for a maximum of 4.0 hours of Distance Learning credit, including 0.0 hour of ethics/professionalism (EP) credit.
Texas CLE Approved · 4 Total Credits
Earn Until
OnDemand - Texas CLE - 4: This course is accredited for Minimum Continuing Legal Education credit by the State Bar of Texas Committee on MCLE in the amount of 4.0 credit hours, of which 0.0 credit hour will apply to legal ethics/professional responsibility credit. Hours in attendance at National Business Institute CLE seminars may be applied to the minimum Judicial Education requirement.
Video Download - Texas CLE - 4: This course is accredited for Minimum Continuing Legal Education credit by the State Bar of Texas Committee on MCLE in the amount of 4.0 credit hours, of which 0.0 credit hour will apply to legal ethics/professional responsibility credit. Hours in attendance at National Business Institute CLE seminars may be applied to the minimum Judicial Education requirement.
Utah CLE Approved · 4 Total Credits
Earn Until
OnDemand - Utah CLE - 4: National Business Institute is an approved "presumptive provider" with the Utah State Board of Continuing Legal Education. This program qualifies for 4.0 hours of self-study CLE credit for Utah attorneys, which includes 0.0 hour of ethics credit.
Video Download - Utah CLE - 4: National Business Institute is an approved "presumptive provider" with the Utah State Board of Continuing Legal Education. This program qualifies for 4.0 hours of self-study CLE credit for Utah attorneys, which includes 0.0 hour of ethics credit.
Virginia CLE Approved · 4 Total Credits
Earn Until
OnDemand - Virginia CLE - 4: This course has been approved by the Virginia Mandatory Continuing Legal Education Board for 4.0 hours of prerecorded credit, of which 0.0 hour will also apply in the area of legal ethics or professionalism.
Video Download - Virginia CLE - 4: This course has been approved by the Virginia Mandatory Continuing Legal Education Board for 4.0 hours of prerecorded credit, of which 0.0 hour will also apply in the area of legal ethics or professionalism.
Vermont CLE Approved · 4 Total Credits
Earn Until
OnDemand - Vermont CLE - 4: This course has been approved by the Vermont Board of Mandatory Continuing Legal Education. This program qualifies for 4.0 hours of self-study credit, including 0.0 hour of self-study ethics credit.
Video Download - Vermont CLE - 4: This course has been approved by the Vermont Board of Mandatory Continuing Legal Education. This program qualifies for 4.0 hours of self-study credit, including 0.0 hour of self-study ethics credit.
Washington CLE Approved · 0 Total Credits
OnDemand - Washington CLE - 0: This content has been approved for Washington Continuing Legal Education credit. Credit hours will be awarded based on the actual run time.
Video Download - Washington CLE - 0: This content has been approved for Washington Continuing Legal Education credit. Credit hours will be awarded based on the actual run time.
Wisconsin CLE Approved · 4.5 Total Credits
Earn Until
OnDemand - Wisconsin CLE - 4.5: Approved for 4.50 hours of repeated on-demand CLE credit by the Board of Bar Examiners.
Video Download - Wisconsin CLE - 4.5: Approved for 4.50 hours of repeated on-demand CLE credit by the Board of Bar Examiners.
West Virginia CLE Approved · 4.8 Total Credits
Earn Until
OnDemand - West Virginia CLE - 4.8: This program qualifies for 4.80 hours of pre-recorded credit, which includes 0.0 hour of pre-recorded ethics credit, under the West Virginia Rules for Mandatory Continuing Legal Education.
Video Download - West Virginia CLE - 4.8: This program qualifies for 4.80 hours of pre-recorded credit, which includes 0.0 hour of pre-recorded ethics credit, under the West Virginia Rules for Mandatory Continuing Legal Education.
Wyoming CLE Approved · 4 Total Credits
Earn Until
OnDemand - Wyoming CLE - 4: The Wyoming State Board of Continuing Legal Education has granted 4.0 hours of Continuing Legal Education Credit, including 0.0 hour of ethics.
Video Download - Wyoming CLE - 4: The Wyoming State Board of Continuing Legal Education has granted 4.0 hours of Continuing Legal Education Credit, including 0.0 hour of ethics.
Course Book (PDF Download)
CLE
Credits
Maine CLE Approved · 4 Total Credits
Earn Until
Course Book - Maine CLE - 4: This course has been approved by the State of Maine Board of Overseers of the Bar. Lawyers who complete this course will receive 4.0 hours of self-study CLE credit.
Missouri CLE Approved · 4.8 Total Credits
Earn Until
Course Book - Missouri CLE - 4.8: NBI, Inc. is an accredited sponsor with Missouri Minimum Continuing Legal Education. This program qualifies for 4.80 self-study CLE credit hours.
Northern Mariana Islands CLE Approved · 4 Total Credits
Earn Until
Course Book - Northern Mariana Islands CLE - 4: This course has been approved by the Commonwealth of the Northern Mariana Islands. Lawyers who complete this course shall receive 4.0 hours of self-study CLE credit.
Select Jurisdiction
CLE
Agenda
-
The ROAD to Housing Act: Key Changes and Implementation Timeline
- Overview: What's in the Act
- Key Timelines
- What to Watch For in Upcoming HUD/FHFA Rulemaking
- Reference Source: eCFR Link
-
Rental Housing and Tenant Protections
- RAD Program Expansion
- Codified Tenant Protections
- Voucher Inspection Reforms
- Practical Effects on Housing Providers
-
Mortgage Lending, Appraisals, and Banking Changes
- Mortgage Underwriting Changes
- Veteran Disclosures
- Appraisal Modernization
- Community Banking: Key Changes of Note
-
Housing Supply Reforms: Zoning, Development, and Environmental Review
- Zoning Guidelines
- Federal Support for ADUs, Point-Access Buildings, and Innovative Housing Types
- Incentives Instead of Mandates: Federalism and Local Control
- Development Incentives and Opportunity Zones
- Streamlined Environmental Review
-
Manufactured Housing: Expanding Supply and Development Opportunities
-
Institutional Investors and Single-Family Housing Transactions
- New Restrictions on Institutional Investors
- Exceptions
- Penalties, Enforcement Exposure, and the Compliance Clock
- Transactional Impacts
-
Federal Housing Financing Programs: FHA, HOME, CDBG, and New Funding Opportunities
- FHA Loan Limit Increases
- Small-Dollar Mortgage Initiatives
- HOME Investment Partnerships Program Changes
- Community Development Block Grant (CDBG) Updates
- Innovation Fund and Competitive Grant Programs
-
Advising Clients Under the ROAD to Housing Act: Immediate Action Items
- Buyers and Sellers
- Lenders
- Real Estate Investors and Developers
- Landlords
- Housing Authorities
- Local Governments
Who Should Attend
This program is designed for attorneys. Paralegals and professionals involved in real estate, housing finance, development, lending, affordable housing, land use, and local government will also benefit.
Speakers
Speaker bio
James F. Freeman, III
is an attorney with Swanson Bernard, LLC where he practices in the areas of construction, land use, church, commercial litigation, business, contract, employment, probate litigation, appellate practice, transportation and corporate law. He has successfully represented clients through the purchase, design, development, and litigation of a variety of projects, including industrial, institutional, international, high-rise multi-family conversions, commercial, and retail. Mr. Freeman's unique background serving on the Lee’s Summit, Mo., city council and as the city’s mayor pro tempore allows him to bring an expert perspective to construction and real estate law. He earned his B.A. and J.D. degrees from the University of Missouri at Kansas City. Mr. Freeman is admitted to practice in Missouri, Kansas, U.S. Supreme Court, U.S. Court of Appeals – 8th Circuit, U.S. Court of Appeals – 10th Circuit, U.S. District Court of Western Missouri, U.S. District Court of Eastern Missouri, U.S. District Court of Kansas, U.S. Bankruptcy Court of Western Missouri, U.S. Bankruptcy Court of Eastern Missouri, U.S. Bankruptcy Court of Kansas and the U.S. Court of Federal Claims. He is a member of the Kansas City Metropolitan, Kansas and American bar associations, as well as The Missouri Bar.
Speaker bio
Eric M. Steven
is the principal and managing attorney of Steven Law Office in Spokane with a practice emphasis in the area of landlord-tenant relations and housing. He practices in both state and federal courts in all Washington counties east of the Cascades and in northern Idaho. Mr. Steven litigates landlord/tenant cases involving eviction, ejectment, commercial litigation, fair housing claims, and a variety of other landlord-tenant issues. He is one of the few attorneys in Washington to actually defend a fair housing case in a federal court jury trial. Mr. Steven is acting counsel for numerous property owners, landlords, management companies, mobile home parks, and subsidized housing providers. He is active in legislative reform and advisory counsel for the Washington Apartment Association. Mr. Steven earned his B.A. degree from the University of Oklahoma and his J.D. degree from Gonzaga University School of Law. As a licensed instructor in real estate, he frequently lectures to attorneys, property managers, law enforcement, and owners at continuing legal education programs. He is the author of From Landlord/Tenant to Debt Collector/Consumer and Back Again, Gonzaga Law Review, and A Comparison of Residential Tenancies in Idaho and Washington State (2013), now available on the internet, publication pending. For the last several years, Mr. Steven has been an invited speaker at the Trends conference in Seattle, Washington, the northwest's largest rental housing management conference. As one of the most highly evaluated CLE instructors statewide in 2003, he was selected by the Washington State Bar Association to speak in the WSBA Encore "Best of CLE" series. Mr. Steven is a frequent speaker for the Washington State Bar and Spokane County Bar Association. He is a member of the Washington State, Idaho, Spokane County, Federal and Eastern District of Washington Bankruptcy bar associations. In 2019, Steven Law Office was named Top Housing Law Firm of the Year by Lawyer Monthly magazine. In 2023, Inc. magazine named Steven Law Office a Power Partner in business. Mr. Steven was named by National Business Institute, a nationwide CLE sponsor, as the "Outstanding Faculty Member of the Year for 2023", based upon peer review and other factors.
Speaker bio
Bridget D'Angelo
is an attorney at Carmody Torrance Sandak & Hennessey LLP. Her practice focuses primarily in the areas of business and commercial real estate transactions; representing developers, institutions, corporations, families and individuals in development projects and real estate transactions. Ms. D'Angelo also represents owners, sponsors and lenders of affordable housing developments. She earned her B.A. degree from Indiana University of Pennsylvania and her J.D. degree from The University of Chicago Law School, where she served as the managing editor of the Chicago Journal of International Law. Ms. D'Angelo is a member of the George W. Crawford Black Bar Association, Real Estate Finance Association of Connecticut, Commercial Real Estate Women-The Real Estate Exchange, Connecticut Bar Association and the New Haven County Bar Association. She is a board member of ConnCORP, Chrysalis Center Inc., and Chrysalis Center Real Estate Corporation; and treasurer of the Commercial Finance Section of the Connecticut Bar Association. Ms. D'Angelo is admitted to practice in Connecticut and Massachusetts.
Speaker bio
Jazmine Greer
is an attorney and founder of Greer Law Firm Co LPA. She empowers individuals to understand their legal rights and responsibilities by providing legal consulting; document preparation, interpretation and negotiation; and litigation in the areas of real estate law, business law, legacy planning (estate planning), taxation, and personal injury. Ms. Greer earned her bachelor's degree, magna cum laude, from Fisk University and her J.D. degree from Ohio Northern University. She is licensed in both the Northern and Southern districts of the Ohio Federal Court; a certified mediator and licensed title agent.
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