Once I get the hang of it I will start looking for larger deals, but I thought this would be a good place to start and not as punishing when learning from my mistakes.

They are usually levied as punishment for blatantly ignoring or delaying the investigation process and acting in obvious "bad faith" rather than for the actual violations of ERISA code.4.

The related issues far exceed any reasonable punishment IMO.

However on April 5, 2012, the SEC stated that crowdfunding would be unlawful under the current federal securities laws.

I'd probably interpret that to mean that a broker CANNOT legally create a full purchase-and-sale agreement without violating that ruling (just my interpretation).BUT, the court also went on to say the following:"A real estate broker may readily protect himself from a charge of unlawful practice of law by inserting in the document that it is subject to the approval of the respective attorneys for the parties."

When they do get caught, it is rare that they are adequately punished.

your attorney friend sounds like an attorney. always bringing up 'issues' and saying things can't be done. can you please point me of the right direction of the federal or state law/statute that describes the punishment for breaking the 'due on sale' clause with CitiMortgage?

The reason is that heating costs are very unstable here in the US and tenants can use the heat as a way to punish the landlord if they are mad.

It certainly is/can_be unlawful to make _commercial_ calls to those on the do not call registry.  

This year she figured out how to get it passed.Instead of going through the Landlord/Tenant Laws (OK Statute Title 41) she went through OK Crimes and Punishment (OK Title 21).