Janet M Bonnefin

Janet M. Bonnefin


Location: Irvine, California
Phone: 949-474-1944
Fax: 949-474-0617

Janet Bonnefin, a principal of Aldrich & Bonnefin, PLC, has been with the firm since its inception in 1985. Janet specializes in mortgage and consumer lending and regulation, compliance management, fair lending and the Community Reinvestment Act (CRA). Janet manages Bankers’ Compliance Group®, an innovative group legal service the firm provides to over 100 California banks, thrifts and credit unions, and serves as the editor of all BCG publications. BCG recently celebrated its 38th anniversary.

Prior to joining Aldrich & Bonnefin Janet was a staff attorney (1982-1984) and law clerk (1980-1982) with Security Pacific National Bank in Los Angeles.

Janet advises clients on a variety of regulatory compliance matters, including the development of documentation and disclosures for consumer loan programs such as mortgage loans, home equity loans and home equity lines of credit, adjustable rate mortgages, credit cards and overdraft lines of credit. In addition, she advises clients in connection with compliance, fair lending and CRA examinations.

Janet attended California State University at Long Beach, graduating in 1979 with a B.A. in political science and then obtained her juris doctor degree from Loyola Law School, Los Angeles in 1982.

In 2012 Janet received the Compliance Professional Award from the California Bankers Association (CBA) in recognition of her dedication to the “advancement of the compliance profession, and service to the banking industry.” CBA also awarded Janet its Robert Frandzel Award in 2004 for “superior and noteworthy” legal assistance by an outside counsel to the California banking industry.

As a regular speaker for BCG, Janet teaches on a variety of topics, including compliance management, mortgage and consumer lending and regulatory compliance, fair lending and CRA. She also speaks on these topics for the Western Bankers Association (formerly CBA) at its annual Regulatory Compliance Conferences and at other industry conferences.

Janet is a member of the Business Law Section of the California State Bar, Orange County Bar Association and WBA Regulatory Compliance Advisory Committee.

Year Joined Firm

  • 1985

Areas of Practice

  • Banking & Finance Law
  • Consumer Lending
  • Residential Mortgage Lending

Bar Admissions

  • California, 1982
  • U.S. District Court Central District of California, 1983


  • Loyola Law School, Los Angeles, California
    • J.D. - 1982
  • California State University, Long Beach, California
    • B.A. - 1979
    • Major: Political Science


  • Speaker, Compliance Management, Consumer Lending and Regulatory Compliance, and Community Reinvestment Act, Bankers' Compliance Group
  • Speaker, RESPA, Mortgage Lending, Fair Lending, Compliance Management and the Community Reinvestment Act, California Bankers Association
  • Speaker, RESPA, Mortgage Lending, Fair Lending, Compliance Management and the Community Reinvestment Act, American Bankers Association
  • Lecturer, Equal Credit Opportunity Act and the Fair Credit Reporting Act, American Bankers Association's National Compliance School

Honors and Awards

  • "Super Lawyer", 2006
  • Robert Frandzel Award, California Bankers Association, 2004

Professional Associations and Memberships

  • CBA, Member, Regulatory Compliance Committee
  • California Orange County Bar Association, Financial Practices Section, Member
  • State Bar of California, Business Law Section, Consumer Financial Services Committee