New Hires/Promotions in the Leasing Business
and Related Industries

Jenny Dubinsky, CPA, was hired as Chief Financial Officer, Orion First, Gig Harbor, Washington, to work remote. Previously, she worked part-time as Executive Director/Controller, CF Investments (June, 2022 - April, 2025). Previously, she was SVP of Contract Operations, Orion First (June, 2019 - June, 2022). Full Bio:
https://www.linkedin.com/in/jenny-dubinsky-cpa-6146423b/details/experience/
https://www.linkedin.com/in/jenny-dubinsky-cpa-6146423b/

Joseph Lerario, was promoted to Senior Vice President, Commercial Sales Team Leader, Univest Capital, King of Prussia, Pennsylvania. He is located in Greater Philadelphia. He joined Univest as Vice President (December, 2020 - April, 2025). Full Bio:
https://www.linkedin.com/in/josephlerario/details/experience/
https://www.linkedin.com/in/josephlerario/

Janice Schawillie, CLFP, was promoted to Operations Specialist II, Rochester, New York, working remotely. She joined TD as Operations Specialist I (March, 2022 - April, 2025);Previously, VP Middle Market, Bank Financial (March, 2021 - March, 2022), VP Capital Markets , First American Equipment Finance, a City National Bank Company (September, 2015 - May, 2019); VP Syndications/Portfolio Manager, First Niagara Bank (September, 2009 - September, 2015).
https://www.linkedin.com/in/janiceschawillie

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Proposed Law Would Increase
Disclosure Burden In California
By Ken Greene, Leasing News Legal Editor, Emeritus

California legislators are at it again. The committee votes and momentum seems to be growing since February 13, 2025 when State Senator Tim Grayson introduced SB 362. If passed, the law would impose additional disclosure requirements and penalties on providers of commercial financing in California.

California already has the strictest and most comprehensive commercial disclosure laws and regulations in the country. As reported in prior Leasing News editions, lenders must now comply with the relatively cogent Commercial Finance Disclosure Law, but also 49 pages of regulations governing the interpretation of that law, not to mention the related 202-page Statement of Reasons!
If passed, SB 362 would impose these additional restrictions and penalties on commercial finance providers:

1. The bill would prohibit a provider (a defined term which typically means the funder) unless the provider “participates in a specified review process”.

2. It would also prohibit a provider from using the term “interest” or “rate” except as specified , and would require the use of the term “annual percentage rate” or “APR” in specified circumstances”.

3. The bill would expand the scope of the criminal aspect of the existing commercial finance disclosure law penalties so that a violation relating to a commercial financing transaction that is not subject to the California Financing Law is deemed a violation of the California Consumer Financial Protection Law!

Yes, you read that correctly. I am quite frankly at a loss to explain the justification for assessing a consumer transaction-based penalty on the parties to a commercial transaction, but, to this, all I can say is, welcome to California. Now go home!

I will keep an eye on this interesting piece of legislation as it wends its way through the hallowed chambers and we will update readers on its path trajectory.

SB 362: https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB362

Ken Greene    
Law Office of Kenneth Charles Greene
5743 Corsa Avenue, Suite 208
Westlake Village, California 91362
Tel: 818.575.9095
Fax: 805.435.7464
ken@kengreenelaw.com
www.kengreenelaw.com

Balboa Capital Available Position
Program Manager II- Equipment Broker Sales

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The Purpose of Working with a Recruiter
By Emily Fitzpatrick/RII

Think as a recruiter, also often called a headhunter, as an ally in the field.  Recruiters are typically paid by companies to help them fill positions and as such, many are loyal to the companies they service.

Our thinking at RII is that the recruiter should be just as loyal to the Candidates.  A recruiter should understand your career objectives and goals – making sure (though there are never any guarantees) that your next employer is one that you will be with for years to come.

In response to your question, Recruiters can assist you in many ways including:  presenting opportunities that you might otherwise not know about; staying abreast of market trends and keeping “ears” open for opportunities that would fit your needs and background;  walking you through the interview process;  working with you and the company in salary negotiations : and most importantly, making sure there is a good long-term fit for both parties.

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
emily@riirecruit.com

Invite me to connect on LinkedIn
www.linkedin.com/pub/emily-fitzpatrick/4/671/76
Also follow us on Twitter #RIIINFO

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Top Ten Most Read by Readers
March 31 - April 4

(1) Unconfirmed, But from Reliable Source
Any Direct Comments Will Be Appreciated
https://leasingnews.org/archives/Apr2025/04_04.htm#un

(2) New Hires/Promotions in the Leasing Business
and Related Industries
https://leasingnews.org/archives/Apr2025/04_02.htm#hires

(3) NMEF Acquires Pawnee, Marking A Significant    
Milestone off Growth And Industry Leadership
https://leasingnews.org/archives/Apr2025/04_02.htm#nm

(4) Roglieri Trial Delayed
By Ken Greene, Leasing News Editor and Emeritus
https://leasingnews.org/archives/Mar2025/03_31.htm#rog

(5) CLFP Foundation Adds 17 New CLFPs
With Photos
https://leasingnews.org/archives/Mar2025/03_31.htm#clfp

(6) Dext Capital Surpassed $1 Billion
In Securitized Assets
https://leasingnews.org/archives/Mar2025/03_31.htm#dext

(7) Academy for Certified Lease & Finance
Professionals 2025 Schedule To Date
https://leasingnews.org/archives/Mar2025/03_31.htm#acad

(8) The States that Drink the Most
Wine in America per Capita and Overall
https://leasingnews.org/archives/Apr2025/04_02.htm#states

(9) Targeted Lending Expands Senior Credit Facility
With Wells Fargo Capital Finance to $75 Million
https://leasingnews.org/archives/Apr2025/04_04.htm#tlc

(10) Shoppers may need to buy these items
    quickly before Trump’s tariffs kick in
https://nypost.com/2025/04/03/business/shoppers-may-need-to-buy-these-items-quickly-before-trumps-tariffs-kick-in/

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Commercial Finance/Leasing Finance
Conferences and Forums  - Updated

April 15-17: ELFA 36th Annual National Funding Conference, Chicago, Illinois
Conference Details
Don't miss your chance to connect with over 700 industry professionals at the ELFA Funding Conference. Funding is the lifeblood of the equipment leasing and finance industry – this event is your opportunity to secure the partnerships you need to drive success. Register and view hotel information 

Randy Haug, EVP/Co-Founder LTi Technology, member of the Leasing News Advisory Board, will cover the ELFA National Funding Conference for Leasing News readers.

May 19: Broker Fair, New York City  The Best is Yet to Come
https://brokerfair.org
https://brokerfair.org/register/ Now is the time to  book your room for discounted rate: https://brokerfair.org/hotel-2025/ 
Don Cosenza, 17-year Public Relations and spokesman for North Mill Equipment Finance and past National Equipment Finance Association past board member, writer for Leasing News, will cover the Broker Fair.

September 10-12: AACFB Commercial Financing Expo, Austin, TX
Conference Details Coming Soon

October 14-16: National Equipment Finance Association Fall Conference, Renaissance Hotel, Minneapolis, Minnesota
Conference Details Coming Soon

October 26-28: ELFA 64th Annual Convention, Marco Island, Florida
Conference Details

To be listed or update: kitmenkin@leasingnews.org

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The Best Selling Cars in
Every State in 2024

Source: VisualCapitalist

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Sudhir Amembal Announces Eighth
"Winning With Leasing!" Seminar

Sudhir Amembal, CEO of Amembal & Halladay, announces that his eighth "Winning With Leasing!" seminar will be held on June 16, 2025. Seven previously scheduled public seminars, combined with in-house versions, held over the past 12 months attracted over 75 equipment finance companies with over 600 industry professionals attending.

The one-day live, interactive seminar enables attendees to use the right terminology, know the accounting and tax impact of leases on the customer, grasp the substantial benefits of capital and FMV leases, learn how to best understand varied customer motivations to lease, arrive at deal-clinching responses to commonly countered objections, and comprehend why only a few equipment finance companies outperform their competitors

Past attendees have ranged from newcomers to seasoned professionals. The seminar is a must for everyone from sales and marketing as its ultimate objective is to win incremental transactions. Back-office personnel gain a birds-eye view of leasing.

Amembal states: "I am humbled that this seminar is now the most well-attended training seminar in our industry. My greatest joy is being able to play a role, albeit a small one, in contributing to the enhancement of learning in our industry.

Amembal created the first-ever commercial seminar in the U.S. in the early 1980's and since then he has shepherded the training of over 80,000 equipment leasing professionals worldwide. He has authored or co-authored 18 industry publications and is the recipient of numerous industry accolades. He was inducted into ELFA's Hall of Fame, nominated twice by The Monitor for the MVP Behind the Scenes award, honored by The Monitor in 2024 as an Industry Icon, and was awarded the first-ever honorary CLFP credentials by the CLFP Foundation.

For details regarding the seminar, inquiries should be addressed to Kelly Farnham at kelly@amembalandhalladay.com.

News Briefs

After a Blowout Week, Wall Street Decision Makers
    Brace for More Chaos
https://www.nytimes.com/2025/04/06/business/stock-market-plunge-investment-bank-impact.html

Georgia farmers, schools and food banks
    warn of impact of food aid cuts
https://www.ajc.com/news/business/georgia-farmers-schools-and-food-banks-wary-of-impact-of-food-aid-cuts/7VCQN5HKTJEENFAGPF3LH6M4NM/

IRS will cut 25% of its employees,
    eliminating its civil rights office
https://www.washingtonpost.com/business/2025/04/04/irs-will-cut-25-its-employees-eliminating-its-civil-rights-office

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How Many Bankruptcies has Donald Trump Had?
https://www.washingtonpost.com/politics/2016/live-updates/general-election/real-time-fact-checking-and-analysis-of-the-first-presidential-debate/fact-check-has-trump-declared-bankruptcy-four-or-six-times/

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Sports Briefs

The A's opener in Sacramento was an absolute disaster
https://www.sfgate.com/athletics/article/as-opener-sacramento-complete-utter-disaster-20252911.php

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California News Briefs

The most expensive house in America just
     hit the market again
https://www.sfgate.com/la/article/most-expensive-house-listing-hits-market-again-20253245.php

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Gimme that Wine

 

http://www.youtube.com/watch?v=EJnQoi8DSE8

Résonance Winery Introduces Willamette Valley
    Pinot Noir Rosé 2024
https://www.winebusiness.com/news/article/300390

For Wine, Tariffs Mean Fear, Uncertainty and Higher Prices
Eric Asimov, New York Times, Paywall
https://www.nytimes.com/2025/04/03/dining/drinks/wine-tariffs-prices.html

Far Niente Steps Up to the Plate as Proud Partner
of the San Francisco Giants
https://www.winebusiness.com/news/article/300436

Places of Sustainability
https://www.jlohr.com/facesofsustainability