LOBBY DAY


IN-DISTRICT LOBBY DATES


Working with the Department of Real Estate, CAMP proposed a simplified substitute MLDS which the DRE approved.


WHAT IS CAMP DOING FOR YOU?

Trigger Leads: A Win on Paper - Now the Real Work Begins


Over the past year, the National Association of Mortgage Brokers (NAMB) achieved something this industry has been fighting for decades:

federal trigger leads legislation passed unanimously in both the House and Senate-and signed by the President.

 

That is no small victory. It confirms what originators have long argued: trigger leads harm consumers, distort competition, and undermine trust in the mortgage process.

 

But legislation on paper and protection in practice are not the same thing.


Our Concern: Enforcement

 

The logical federal enforcement body-the Consumer Financial Protection Bureau (CFPB)—is a shell of what it once was. A recent video call showed the building completely empty. Regardless of politics, enforcement requires real people, real oversight, and real consequences.

 

Our concern is simple:

Federal trigger lead legislation may lack teeth without meaningful enforcement.


CAMP's Strategy: Stronger State-Level Action

 

This is exactly why CAMP is pushing for stricter enforcement at the state level.

 

We are actively working with CAMP-friendly California legislators who are planning to introduce state-level trigger lead legislation this year, designed to close enforcement gaps, impose real accountability, and protect both consumers and originators.

 

This is one of the clearest ways CAMP supports originators and protects the integrity of our industry.


Want to Help? Here's How.

 

• CAMP Members:

If you want to help shape policy-not just react to it— join the CAMP Government Affairs Committee.

 

• Not a Member Yet?

Reach out to us about our special combined CAMP / NAMB dual-membership option, offering advocacy at both the state and national levels.

 

Your participation matters.


What's Next on CAMP's Legislative Agenda

 

Trigger leads are just one front. Stay tuned for updates on additional initiatives, including:

·        Removing the Broker Activity Report (BAR) requirement

·        Imposing accountability and transparency around HOA fees

·        Other targeted reforms aimed at reducing unnecessary burden while protecting consumers

 

When federal enforcement is uncertain, California leadership matters more than ever.



As Chair of the Government Affairs Committee for the California Association of Mortgage Professionals (CAMP), I want to update you on HR 6047 – the Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2025.


CAMP joins the National Association of Mortgage Brokers (NAMB) in opposing this bill as it is currently written.


What the bill does:

  • Increases benefits for surviving spouses by $10,000 per year.
  • Removes the subsequent-use VA funding fee exemption for veterans who are less than 70% disabled.

While we strongly support improving benefits for surviving spouses, we have serious concerns with the approach taken in this legislation.


Our key concerns:

  • Disability ratings are subjective and often do not reflect a veteran’s true condition or service-related sacrifice.
  • Impact is vastly understated. Supporters claim ~30,000 veterans would be affected; more accurate estimates exceed 1,000,000 veterans.
  • The “no increase since 1993” claim is false. Surviving spouse benefits have increased annually alongside veterans’ COLA adjustments at the same percentage.
  • The bill removes an earned benefit from many veterans—one they qualified for through service to our country.


A better solution:

CAMP supports an alternative that would:

  • Increase surviving spouse benefits to 100% of the veteran’s benefit.
  • Provide more than a $10,000 annual increase to spouses.
  • Result in a net $0 cost to the VA program.
  • Preserve existing benefits for veterans instead of taking them away.

This is a smarter, fairer solution that honors both veterans and their surviving spouses without unintended harm.


Call to Action;

If you want to be involved in shaping legislation like this, we encourage you to get engaged. Check out our dual CAMP/NAMB membership option—it’s the best way to stay informed, have a voice, and help protect both consumers and mortgage professionals.

Thank you for your continued support and advocacy.


Thank You,


Jeffrey Hohman
Mortgage Loan Originator

760.800.0701
NMLS 1651151
CA DRE 02053124
750 N Palm Cyn Dr, Ste 201, Palm Springs

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