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including NAR's institutes, societies, and councils, involved in all aspects of the residential and commercial real estate industries. NAR's membership is composed consolidation debt home loan no residential and commercial brokers, salespeople, property managers, appraisers, counselors, and others engaged in all aspects of the real estate industry. Members belong to one or more of some 1,600 local associations and boards and 54 state and territory associations of Realtors. They are pledged to a strict Realtor "Code of Ethics and Standards of Practice," which includes duties to consolidation debt home loan no the public, and other Realtors. The NAR wields substantial power as a lobbying organization for real estate buyers and sellers. The legal consolidation debt home loan no in question -- detailed in Section 580b of the California Code of Civil Procedure -- dates to the Great Depression, when the


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