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 proposed final judgment against Carrigan was entered by the court on October 29, 2019. It bans him from providing mortgage assistance relief services or consumer financial products and services and imposes a $493,000 civil money penalty, all but $5,000 of which is suspended based on his limited ability to pay more based on sworn financial statements.