(707) 522-1100

Rachel Dollar

Financial Services, Business Litigation, Trials

Rachel Dollar



(707) 522-1100 extension 1108



Rachel Dollar is a Certified Mortgage Banker and a recognized expert on mortgage lending and fraud. Ms. Dollar represents lending institutions and secondary market investors in mortgage banking related matters including:

  • Origination and Servicing Litigation
  • Litigation arising out of State and Federal Disclosures
  • Lender liability litigation defense
  • Litigation of mortgage fraud and related actions including causes of action based in Federal RICO, broker bond and fidelity bond claim and appraiser and settlement agent errors & omissions policy claim litigation
  • Title and closing protection letter claims and litigation
  • Repurchase litigation
  • Mortgage insurance claim and rescission litigation
  • Drafting of standard documents such as escrow instructions, broker agreements and internal policies and procedures

Ms. Dollar also handles real estate and business litigation for companies and individuals including easement and title disputes, contract drafting and review and public works bid protests.

Ms. Dollar’s clients have included insurance companies, national banks, thrifts, non-bank mortgage lenders, secondary market investors, construction companies and real estate developers.

Ms. Dollar has developed a reputation as one of the foremost innovators and thought leaders in the real estate finance industry and has been widely quoted in the Wall Street Journal, USA Today, the Los Angeles Times and other publications. She was recognized in multiple successive years as one of the 100 Most Influential Real Estate Leaders in the United States. She is a nationally recognized speaker on the topics of mortgage banking and mortgage fraud, has testified before Congress and has appeared on CNN, CBS News and other radio and television programs.

Protect yourself from real estate and mortgage fraudShe is the editor of the acclaimed industry website, Mortgage Fraud Blog, recognized in 2007 as Most Innovative Real Estate Blog.

Ms. Dollar is an author of Protect Yourself from Real Estate and Mortgage Fraud


Bar admissions

  • All California State Courts including California Supreme Court
  • United States District Court, Northern District of California
  • United States District Court, Eastern District of California
  • United States District Court, Central District of California
  • United States District Court, Southern District of California
  • United States District Court, District of Colorado

Multiple state and federal pro hac vice admissions


  • Newport University, School of Law, J.D.

Professional associations and memberships

  • Vice-Chair, CMB Society, 2017
  • Secretary, CMB Society, 2016
  • Fellow, American College of Mortgage Attorneys
  • Media Committee, CMB Society, 2008-2009
  • Quality Control Leadership Committee, Mortgage Bankers Association, 2008-2009
  • MORPAC Committee, 2008-2009
  • President, Sonoma County Bar Association, 2007
  • Chair, MBA Appraisal Outreach Task Force, 2007
  • Former California Real Estate and Mortgage Broker
  • Mortgage Bankers Association
  • California Mortgage Bankers Association
  • Association of Financial Crimes Investigators
  • International Association of Financial Crimes Investigators


  • Congressional Testimony – February 10, 2008 – “Foreclosure Aftermath: Preying on Senior Homeowners”; Senate Special Committee on Aging
  • May 19, 2010 – Audio Interview, Financial Crisis Inquiry Commission

Publications and Presentations

    • Fraud from the Fringe. The sovereign-citizen movement and the rise of mortgage-elimination schemes. Mortgage Banking Magazine, November 2013
    • Protect Yourself from Real Estate and Mortgage Fraud, Rachel Dollar and Ralph Roberts with Joe Kraynak, Kaplan Publishing, August 2007
    • Mortgage Fraud Blog, 2004-2017

Ms. Dollar speaks publicly to financial institutions and industry groups many times per year. Please contact Smith Dollar PC if interested in Ms. Dollar’s prior or upcoming speaking engagements

Awards and designations

      • AV Rated
      • Certified Mortgage Banker
      • Formerly a Certified Financial Crimes Investigator
      • 2004-2007 Inman News Top 100 Most Influential Real Estate Leaders
      • 2007 Inman News Most Innovative Real Estate Blog
      • 2010 North Bay Business Journal Women in Business Award
      • 2012-201 Northern California Super Lawyers



Rachel M. Dollar