We have building here the original Quakers built, Besty Ross's house is still standing, and thousands of people walk through Independence Hall (where the Declaration of Independence was created and the Constitution of America debated).  

"Innocent until proven guilty" is in our constitution, "personally obligated until proven otherwise" is what applies here. 

Nor would you want the end of the world that would follow.Since by our constitution you have to pay taxes in dollars and we own the lion share of out own debt, much of this debate is moot.Had to comment via mobile app.

I had couple of people telling me that "constitutes as practicing law" and it could put the wholesaler into violation and breach of law. 

However, the filing of a judicial action to enable the recording of a notice of pending action for order of attachment, receivership, injunction, or other provisional remedies, shall not in itself constitute a loss of the right to recover attorney's fees under this provision.

For example, there's an 80% LTV cap, mandatory appraisal, minimum credit score, and limits on what the funds can be used for, and the list goes on, all written into the state constitution.  

I don't know if the Code defines what constitutes an "owner".  

(The tax bill does not constitute ownership). 

It would be great if someone could post info that clearly defines what constitutes an ERISA based investment.

An individual whose only role with respect to the application is physically handling a completed application form or transmitting a completed form to a lender on behalf of a prospective borrower does not take an application.Factual Scenarios – Examples of Not Taking an ApplicationWe seek HUD’s concurrence that the following activities when performed by a manufactured housing retailer or salesperson would not constitute “taking an application.â€Giving a home buyer access to a kiosk in order to complete an application on-line which goes directly to a funding source.Directing a home buyer to complete a paper application for financing.Assisting a home buyer with general questions regarding the completion of a loan application by clarifying what type of information is necessary for the application or otherwise explaining the qualifications or criteria necessary to obtain a loan product.1Suggesting that a home buyer may have incorrectly completed or neglected to complete parts of the application.Describing the steps that a home buyer would need to take to provide information to be used to determine whether the home buyer qualifies for a loan or otherwise explaining the loan application process.2Transcribing information from the home buyer and directing to funding sources.