Regulatory Disclosures and Licensing Statement

1. Company Information

Riviera Financial Partners, Inc. (“Riviera Financial Partners,” “Riviera,” “we,” “our,” or “us”) is a real estate finance business located at:

Riviera Financial Partners, Inc.
315 South Beverly Drive, Suite 501
Beverly Hills, California 90212
Website: https://rivierafinancial.com

Riviera provides information concerning real estate financing and may arrange, broker, or facilitate financing opportunities, subject to the activities it is authorized to conduct and the applicable licenses, registrations, and regulatory requirements.

The specific legal capacity in which Riviera or an affiliated professional participates in a transaction depends on the transaction, the parties involved, the applicable licensing framework, and the services actually provided.

2. Licensing and Regulatory Status

Mortgage lending, mortgage brokerage, and other financing activities may be subject to federal, state, and local laws and regulatory oversight.

Depending on the activity conducted, applicable regulatory frameworks may include the California Department of Financial Protection and Innovation (“DFPI”), the California Department of Real Estate (“DRE”), and the Nationwide Multistate Licensing System and Registry (“NMLS”).

The applicable licensing framework depends on the nature of the business and the particular activity involved. Not every mortgage-related business operates under the same license or regulator.

Riviera’s current licensing information, including its legal entity name, license type, issuing authority, license number, and authorized jurisdictions, should be verified against official regulatory records before publication.

Company licensing disclosure:

• Legal entity: Riviera Financial Partners, Inc.
• Company NMLS ID: [Confirm current company NMLS ID and applicability]
• California license type: [Insert verified license type, if applicable]
• California license number: [Insert verified license number]
• Regulatory authority: [Insert applicable regulator and official contact information]
• Authorized jurisdictions: [Insert verified states or jurisdictions]

The information above should be completed using current official licensing records. No license, authorization, or regulatory approval should be implied for a jurisdiction in which Riviera is not authorized to conduct the relevant activity.

3. Individual Mortgage Loan Originators

Mortgage loan originators and other licensed professionals who participate in transactions may have individual licensing and registration requirements.

Where applicable, individual licensing information should be provided in the relevant professional’s profile, advertising, correspondence, and transaction documents in accordance with applicable law.

Individual licensing status should be verified independently and should not be inferred from the company’s licensing status.

Consumers may use the official NMLS Consumer Access resource to search for participating companies and individual mortgage professionals:

4. No Guarantee of Loan Approval or Funding

Information on this Website concerning interest rates, loan programs, financing amounts, down payments, eligibility, and other financing terms is provided for general informational purposes unless expressly identified as part of a binding written offer or agreement.

Financing may be subject to underwriting, verification, appraisal, collateral review, credit approval, investor requirements, lender conditions, documentation, and other applicable requirements.

Published rates and program descriptions may be subject to qualifications, fees, points, loan limits, property restrictions, credit requirements, and other conditions.

A Website inquiry, preliminary discussion, or submission of information does not constitute a loan approval, rate lock, commitment to lend, or guarantee of funding.

The actual terms of a transaction will be determined by the applicable written disclosures, agreements, approvals, and other transaction-specific documents.

5. Fair Lending and Equal Credit Opportunity

Riviera is committed to conducting its business in accordance with applicable fair lending, anti-discrimination, and consumer protection laws.

The federal Equal Credit Opportunity Act and its implementing regulations prohibit discrimination in credit transactions on prohibited bases.

The federal Fair Housing Act also prohibits discrimination in covered housing-related transactions on protected grounds.

Applicable protections and obligations depend on the particular activity, transaction, and governing law.

Nothing in this statement is intended to narrow any protection available under applicable federal or state law.

6. Consumer Financial Protection

Where applicable, Riviera and the professionals involved in a transaction are subject to laws and regulations governing mortgage origination, credit-related activities, advertising, disclosures, consumer protection, and fair dealing.

Applicable requirements may include provisions of the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Equal Credit Opportunity Act, the Fair Housing Act, the Fair Credit Reporting Act, and relevant California statutes and regulations.

The application of any particular law depends on the entity, activity, product, and circumstances involved.

This Website disclosure is informational and does not replace any specific disclosure, notice, authorization, or document required for a particular transaction.

7. Advertising and Financing Representations

Riviera seeks to present financing information accurately and to describe material conditions associated with advertised products.

Any advertised interest rate, annual percentage rate, payment, loan amount, or financing term must be read together with applicable qualifications and required disclosures.

Rates, fees, and program availability may change. A rate example may not be available to every borrower or for every property or transaction.

Where required, additional disclosures may be provided in the relevant advertisement, rate sheet, loan estimate, agreement, or other transaction document.

No statement on the Website should be interpreted as a representation that every borrower will qualify for a particular rate, program, or financing outcome.

8. Consumer Reports and Credit Information

Where a transaction involves consumer reports, credit information, or related personal information, the parties involved must comply with applicable laws and obtain any required authorizations.

Credit-related information may be collected, used, or disclosed only as permitted by applicable law and the relevant authorizations and notices.

This Website is not a credit reporting agency, and general Website content is not a substitute for a consumer report or formal credit decision.

Consumers should direct questions about a specific credit report to the applicable reporting agency or the party responsible for obtaining or using that report.

9. Privacy and Information Security

Riviera recognizes that real estate finance transactions may involve confidential personal, financial, and property information.

Information collected through the Website is handled in accordance with our Privacy Policy and Cookies Policy, subject to applicable law and any separate notices governing a particular relationship or transaction.

Certain information may be subject to additional legal requirements concerning confidentiality, information sharing, record retention, and safeguarding.

Visitors should not submit sensitive financial documents through a general Website inquiry form unless an approved collection method is expressly provided.

10. Complaints and Regulatory Inquiries

Consumers who have questions or concerns about a financing inquiry or transaction are encouraged to contact Riviera first using the contact information provided on the Website or in the relevant transaction documents.

Depending on the license and activity involved, a consumer may also be able to contact the applicable state regulator.

California’s Department of Financial Protection and Innovation provides information about regulated residential mortgage lending and consumer and commercial finance activities:

California’s Department of Real Estate provides information about real estate licensing and applicable mortgage-related activities:

The appropriate regulator depends on the license under which the relevant activity is conducted. These agencies should not be represented as Riviera’s regulator unless the applicable licensing records confirm that relationship.

11. No Government Affiliation or Endorsement

Unless expressly and accurately stated in an applicable official disclosure, Riviera is not representing that its business, services, financing programs, or Website content are endorsed, sponsored, or guaranteed by any government agency.

References to regulatory authorities, statutes, or public resources are provided for informational purposes and do not imply government approval of a particular financing product or transaction.

12. Geographic Availability

Financing products and services may not be available in every state or jurisdiction.

Availability depends on the applicable license, the nature of the financing, the property location, the borrower, and other relevant conditions.

Visitors should confirm that Riviera and the relevant professionals are authorized to provide the requested service in the applicable jurisdiction before relying on Website information.

13. Updates to This Statement

Riviera may update this Regulatory Disclosures and Licensing Statement when its licensing information, services, regulatory requirements, or business practices change.

14. Contact Information

Riviera Financial Partners, Inc.
315 South Beverly Drive, Suite 501
Beverly Hills, CA 90212
Website: https://rivierafinancial.com

Effective Date: October 13, 2026
Last Updated: October 13, 2026