Certified Forensic Loan Auditors, LLC, Andrew Lehman, and Michael Carrigan
On September 6, 2019, the Consumer Financial Protection Bureau (Bureau) filed a complaint in federal court in the Central District of California against Certified Forensic Loan Auditors, LLC (CFLA), Andrew Lehman (Lehman), and Michael Carrigan (Carrigan). The complaint alleges that CFLA and Lehman have engaged in deceptive and abusive acts and practices and have charged unlawful advance fees in connection with the marketing and sale of financial advisory and mortgage assistance relief services to consumers. CFLA is a foreclosure relief services company incorporated in California and headquartered in Houston, Texas. Lehman is CFLA’s president and CEO. The Bureau’s complaint alleges that Carrigan, who was the Company’s sole auditor, provided substantial assistance to CFLA and Lehman. Concurrent with the complaint, the Bureau and Carrigan filed a proposed stipulated final judgment and order to resolve the substantial assistance claims against Carrigan.
The Bureau is litigating against CFLA and Lehman and seeks injunctive and monetary relief. If entered by the Court, the proposed final judgment against Carrigan bans him from providing mortgage assistance relief services or consumer financial products and services and imposes a $493,000 civil money penalty, of which he is required to pay $5,000. The remainder of the civil money penalty is suspended in the proposed order based on his limited ability to pay more based on sworn financial statements.