PEMI® Code of Ethics

All PEMI® Members

Investor-Lender PEMI® Members

Additional elements:

PEM® Institute's Principles of Peer-to-Peer & Private Equity Mortgage Credit Delivery, namely:

• • Good faith lending

  • Honoring commitments

  • Working with borrowers when times get tough 

• • Professional conduct in all matters

  • Avoid Conflicts of Interest

  • Maintain Confidentiality

  • Ensure Fair Dealing

  • Report any Illegal or Unethical Behavior; Promote Ethical Behavior

  • Undertake Continuing Education, Annually

  • Always Disclose; Do not Misrepresent or Omit Material Facts

  • Exercise Care and Diligence

  • Do NOT Engage in Predatory Lending

  • Underscore Equal Opportunity Lending, Human Rights

  • Avoid Gifts and Entertainment from Non-Bona Fide Parties

  • Eliminate Obscene, Harmful or Similar Social Media Use

  • Manage Expectations and Disclose if Changes are Needed

  • Maintain Operational Control