Articles
NCLC, Courts Expose Deception of Home Equity "Investments" (Aug. 15, 2025; rev. Oct. 21, 2025)
Training Materials
NCLC, Home Equity Stealing Loans aka Home Equity Investments (July 16, 2025)
AARP, MA Fraud Talk Tuesday: Home Equity "Investment" Loans (Oct. 14, 2025)
Litigation
Olson v. Unison Agreement Corp. Case Documents
Olson v. Unison Agreement Corp., 2025 WL 2254522 (9th Cir. Aug. 7, 2024)
Plaintiff's Reply Brief, Olson v. Unison Agreement Corp. (9th Cir. July 1, 2024)
Wash. Dep’t Fin. Inst. Amicus Brief, Olson v. Unison Agreement Corp. (9th Cir. Mar. 5, 2024)
Plaintiff's Opening Brief, Olson v. Unison Agreement Corp. (9th Cir. Feb. 27, 2024)
Stone v. Real Estate Equity Exchange Case Documents
Stone v. Real Estate Equity Exchange, 2025 WL 2222829 (Bankr. D. Colo. July 30, 2025)
Opposition to Motion to Dismiss, Stone v. Real Estate Equity Exchange (Bankr. D. Colo. Dec. 9, 2024)
Complaint, Stone v. Real Estate Equity Exchange (Bankr. D. Colo. Aug. 9, 2024)
Roberts v. Unlock Partnership Solutions AOI, Inc. Case Documents
Memo Opposing Motion to Compel Arbitration, Roberts v. Unlock Partnership Solutions AOI, Inc. (D.N.J. June 16, 2025)
Amended Complaint, Roberts v. Unlock Partnership Solutions AOI, Inc. (D.N.J. Mar. 20, 2025)
CFPB Amicus Brief, Roberts v. Unlock Partnership Solutions AOI, Inc. (D.N.J. Jan. 15, 2025)
Commonwealth of Massachusetts v. Hometap Case Documents
Com. v. Hometap Equity Partners, L.L.C., 2025 WL 2468564 (Mass. Super. Aug. 21, 2025)
Complaint, Com. v. Hometap Equity Partners, LLC (Mass. Sup. Feb. 19, 2025)
Weingot v. Unison Case Documents
Weingot v. Unison Agreement Corp., Case 2:21-cv-04542-JS-AYS (E.D.N.Y. Sept 30, 2025)
Weingot v. Unison Agreement Corp., Case 2:21-cv-0452-JS-AYS (E.D.N.Y. July 29, 2025)
Singhal v. Unison Agreement Corp. Case Documents
Singhal v. Unison Agreement Corp., 2023 WL 2734230 (S.D. Fla. Mar. 31, 2023)
Sample Agreements
Hometap Contract Template (Feb. 2025)
Unlock Contract (Dec. 14, 2021)
Unlock Contract (Nov. 13, 2021)
Consumer Financial Protection Bureau
CFPB Amicus Brief, Roberts v. Unlock Partnership Solutions AOI, Inc. (D.N.J. Jan. 15, 2025)
CFPB, Consumer Advisory: Beware of Costly, Risky, and Complex Home Equity “Investment” Contracts (Jan. 15, 2025)
CFPB, Issue Spotlight: Home Equity Contracts: Market Overview (Jan. 15, 2025)
CFPB, Mortgage Lenders Must Comply with the Law, Not Invent Loopholes (Jan. 15, 2025)
Reports
U. Wash., Home Equity Sharing Agreements in Washington State (July 2025) (research based report on HEI products)
NCLC Issue Brief: Home Equity Investment Loans Are Subprime Mortgages: Federal and State Policymakers Should Update Rules to Protect Consumers (May 27, 2025)
Model Law
NCLC, Model Law for Home Equity Investment Loans (Sept. 3, 2025)
Industry Documents
Homeshares, US Home Equity Fund I (Performance Overview with IRR)
Homeshares, Accessing America's $34 Trillion Home Equity Market (Executive Summary)
Homeshares, Nada Asset Management, Private Placement Memo re U.S. Home Equity Fund I, L.P. (Mar. 24, 2025)
Homeshares, Nada Asset Management, US Home Equity Fund I, L.P. (Investor Deck) (Mar. 2025)
Homeshares, Nada Asset Management, US Home Equity Fund I, L.P. (Investor Deck) (Feb. 2025)
Press Release: Gale Business Insights: Essentials, Unlock Technologies Announces Close of $180 Million Securitization (Sept. 7, 2022)
Press Release: Gale Business Insights: Essentials, Unlock Technologies, Saluda Grade First to Securitize Home Equity Investment Contracts (Aug. 23, 2021)
Bond Rating Agency Reports DBRS Morningstar, Ratings Report: Unlock HEA Trust 2023-1 (Oct. 5, 2023)
Bond Rating Agency Reports
DBRS Morningstar, Commentary: Home Equity Investments—A Primer (Apr. 26, 2024)
ENP Newswire, DBRS Morningstar Finalizes Provisional Ratings on Unison Trust 2023-2 (Nov. 29, 2023)
DBRS Morningstar, Rating Report: Unlock HEA Trust 2023-1 (Oct. 5, 2023)
DBRS Morningstar, Methodology: Rating and Monitoring U.S. Reverse Mortgage Securitizations (July 2023)