CA AB 1842
enactedCalifornia Mortgage Relief Act.
California · 2025-2026 Regular Session · lower
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Quick answers
Did CA AB 1842 pass?
Yes. CA AB 1842 has been enacted into law. Latest recorded action (2026-09-15): Chaptered by Secretary of State - Chapter 241, Statutes of 2026.
What is CA AB 1842 about?
Existing law authorizes a borrower who is experiencing financial hardship that prevents the borrower from making timely payments on a specified residential mortgage loan due directly to a specified state of emergency proclaimed by the Governor, or a specified federally declared disaster, to request forbearance on their residential mortgage loan, as prescribed. Existing law requires a mortgage servicer, except as specified, to offer mortgage payment forbearance for an initial 90-day period that may be extended up to a maximum forbearance period of 12 months and prohibits a mortgage servicer from assessing any late fees to the borrower's account or charging a default rate of interest during the forbearance period. This bill would, among other things, similarly authorize a borrower to request forbearance on a residential mortgage loan, as defined, secured by residential real property that has become uninhabitable as a direct result of a disaster, which the bill would define to mean the conditions described in a declaration of a disaster issued by the federal government. The bill would require the borrower to affirm that as a direct result of a disaster, a residential unit is uninhabitable. Because the bill would expand the crime of perjury, the bill would impose a state-mandated local program. This bill would, except as specified, require a mortgage servicer to offer mortgage payment forbearance of a period of up to an initial 180 days, to be extended at the request of the borrower in 90-day increments, up to a maximum forbearance period of 12 months. The bill would provide that the forbearance period includes any period of forbearance related to the disaster that a mortgage servicer has provided to a borrower before the date upon which a declaration of a disaster was issued. The bill would also prohibit a mortgage servicer from assessing any late fees to the borrower's account or charging a default rate of interest during the forbearance period. This bill would require a mortgage servicer to report the credit obligations of borrowers under a disaster-related forbearance plan in compliance with the federal Fair Credit Reporting Act. For an account granted disaster-related mortgage payment relief, the bill would prohibit a mortgage servicer from furnishing information during the forbearance period indicating that the payments are in forbearance and would require the mortgage servicer to report the credit obligation or account as current. This bill would authorize a civil action to enforce these provisions to be brought by the Attorney General, a district attorney, or a county counsel. The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement. This bill would provide that no reimbursement is required by this act for a specified reason.
Who sponsors CA AB 1842?
Harabedian is the primary sponsor of CA AB 1842, joined by 5 cosponsors.
Description
Existing law authorizes a borrower who is experiencing financial hardship that prevents the borrower from making timely payments on a specified residential mortgage loan due directly to a specified state of emergency proclaimed by the Governor, or a specified federally declared disaster, to request forbearance on their residential mortgage loan, as prescribed. Existing law requires a mortgage servicer, except as specified, to offer mortgage payment forbearance for an initial 90-day period that may be extended up to a maximum forbearance period of 12 months and prohibits a mortgage servicer from assessing any late fees to the borrower's account or charging a default rate of interest during the forbearance period. This bill would, among other things, similarly authorize a borrower to request forbearance on a residential mortgage loan, as defined, secured by residential real property that has become uninhabitable as a direct result of a disaster, which the bill would define to mean the conditions described in a declaration of a disaster issued by the federal government. The bill would require the borrower to affirm that as a direct result of a disaster, a residential unit is uninhabitable. Because the bill would expand the crime of perjury, the bill would impose a state-mandated local program. This bill would, except as specified, require a mortgage servicer to offer mortgage payment forbearance of a period of up to an initial 180 days, to be extended at the request of the borrower in 90-day increments, up to a maximum forbearance period of 12 months. The bill would provide that the forbearance period includes any period of forbearance related to the disaster that a mortgage servicer has provided to a borrower before the date upon which a declaration of a disaster was issued. The bill would also prohibit a mortgage servicer from assessing any late fees to the borrower's account or charging a default rate of interest during the forbearance period. This bill would require a mortgage servicer to report the credit obligations of borrowers under a disaster-related forbearance plan in compliance with the federal Fair Credit Reporting Act. For an account granted disaster-related mortgage payment relief, the bill would prohibit a mortgage servicer from furnishing information during the forbearance period indicating that the payments are in forbearance and would require the mortgage servicer to report the credit obligation or account as current. This bill would authorize a civil action to enforce these provisions to be brought by the Attorney General, a district attorney, or a county counsel. The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement. This bill would provide that no reimbursement is required by this act for a specified reason.
- Introduced
- 2026-04-22
- Latest action
- 2026-09-15 — Chaptered by Secretary of State - Chapter 241, Statutes of 2026.
- Bill type
- bill
- Last updated
- —
Subjects
Sponsors
- Harabedianauthor
- Irwinprincipal coauthor
- Allenprincipal coauthor
- Pérezprincipal coauthor
- Kalracoauthor
- Zburcoauthor
Committees
Not provided by source.
Action timeline
Newest first
2026-09-15
Chaptered by Secretary of State - Chapter 241, Statutes of 2026.
became-law
2026-09-15
Approved by the Governor.
executive-signature
2026-09-03
Enrolled and presented to the Governor at 4 p.m.
executive-receipt
2026-08-26
Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 76. Noes 0.).
amendment-passage,committee-passage,committee-passage-favorable
2026-08-26
In Assembly. Concurrence in Senate amendments pending.
2026-08-26
Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 76. Noes 0. Page 6636.).
amendment-passage,committee-passage,committee-passage-favorable
2026-08-26
Read third time. Passed. Ordered to the Assembly. (Ayes 40. Noes 0.).
passage,reading-1,reading-3
2026-08-19
Read second time. Ordered to third reading.
reading-1,reading-2,reading-3
2026-08-18
Read third time and amended. Ordered to second reading.
amendment-passage,reading-1,reading-2,reading-3
2026-08-17
Read second time. Ordered to third reading.
reading-1,reading-2,reading-3
2026-08-13
From committee: Amend, and do pass as amended. (Ayes 7. Noes 0.) (August 13).
amendment-introduction,amendment-passage,committee-passage
2026-08-13
Read second time and amended. Ordered returned to second reading.
amendment-passage,reading-1,reading-2
2026-08-03
In committee: Referred to APPR. suspense file.
referral-committee
2026-07-01
From committee: Do pass and re-refer to Com. on APPR. (Ayes 13. Noes 0.) (June 30). Re-referred to Com. on APPR.
committee-passage,committee-passage-favorable,referral-committee
2026-06-22
Read second time and amended. Re-referred to Com. on JUD.
amendment-passage,reading-1,reading-2,referral-committee
2026-06-18
From committee: Amend, and do pass as amended and re-refer to Com. on JUD. (Ayes 7. Noes 0.) (June 17).
amendment-introduction,amendment-passage,committee-passage,referral-committee
2026-06-03
Referred to Coms. on B. & F.I. and JUD.
referral-committee
2026-05-27
In Senate. Read first time. To Com. on RLS. for assignment.
reading-1,referral-committee
2026-05-26
Read third time. Passed. Ordered to the Senate. (Ayes 58. Noes 14.)
passage,reading-1,reading-3
2026-05-26
Read third time. Passed. Ordered to the Senate. (Ayes 58. Noes 14. Page 5364.)
2026-05-19
Read second time. Ordered to third reading.
reading-1,reading-2,reading-3
2026-05-18
Read second time and amended. Ordered returned to second reading.
amendment-passage,reading-1,reading-2
2026-05-14
From committee: Amend, and do pass as amended. (Ayes 11. Noes 2.) (May 14).
amendment-introduction,amendment-passage,committee-passage
2026-05-06
In committee: Set, first hearing. Referred to APPR. suspense file.
referral-committee
2026-04-27
Re-referred to Com. on APPR.
referral-committee
2026-04-23
Read second time and amended.
amendment-passage,reading-1,reading-2
2026-04-22
From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 9. Noes 2.) (April 21).
amendment-introduction,amendment-passage,committee-passage,referral-committee
2026-04-21
From committee: Do pass and re-refer to Com. on JUD. (Ayes 7. Noes 0.) (April 20). Re-referred to Com. on JUD.
committee-passage,committee-passage-favorable,referral-committee
2026-04-13
Assembly Rule 56 suspended. (Page 4580.)
2026-04-13
(Pending re-refer to Com. on JUD.)
referral-committee
2026-02-23
Referred to Coms. on B. & F. and JUD.
referral-committee
2026-02-12
From printer. May be heard in committee March 14.
2026-02-11
Read first time. To print.
reading-1
Versions
- 02/11/26 - Introduced — 2026-02-11Compare
- 04/23/26 - Amended Assembly — 2026-04-23Compare
- 05/18/26 - Amended Assembly — 2026-05-18Compare
- 06/22/26 - Amended Senate — 2026-06-22Compare
- 08/13/26 - Amended Senate — 2026-08-13Compare
- 08/18/26 - Amended Senate — 2026-08-18Compare
- 08/30/26 - Enrolled — 2026-08-30Compare
- 09/15/26 - Chaptered — 2026-09-15Compare
- (document, no version)Compare
- AB1842Compare
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Votes
Do pass and be re-referred to the Committee on [Judiciary]
2026-04-20 · pass · 7-0
Member-level votes (9)
- Valencia: yes
- Blanca Rubio: yes
- Soria: yes
- Fong: yes
- Krell: yes
- Schiavo: yes
- Michelle Rodriguez: yes
- Chen: other
- Dixon: other
Do pass as amended and be re-referred to the Committee on [Appropriations]
2026-04-21 · pass · 9-2
Member-level votes (12)
- Zbur: yes
- Papan: yes
- Connolly: yes
- Bauer-Kahan: yes
- Bryan: yes
- Kalra: yes
- Harabedian: yes
- Pacheco: yes
- Stefani: yes
- Macedo: no
- Sanchez: no
- Dixon: other
Do pass as amended.
2026-05-14 · pass · 11-2
Member-level votes (15)
- Krell: yes
- Sharp-Collins: yes
- Wicks: yes
- Pacheco: yes
- Caloza: yes
- Fong: yes
- Calderon: yes
- Solache: yes
- Pellerin: yes
- Aguiar-Curry: yes
- Mark González: yes
- Tangipa: no
- Hoover: no
- Ta: other
- Dixon: other
AB 1842 Harabedian Assembly Third Reading
2026-05-27 · pass · 58-14
Member-level votes (80)
- Ward: yes
- Patel: yes
- Hart: yes
- Valencia: yes
- Wicks: yes
- Wilson: yes
- Gabriel: yes
- Stefani: yes
- Ahrens: yes
- Nguyen: yes
- Lee: yes
- Harabedian: yes
- Connolly: yes
- Haney: yes
- Ramos: yes
- Ortega: yes
- Soria: yes
- Papan: yes
- Zbur: yes
- Arambula: yes
- Solache: yes
- Pacheco: yes
- Ávila Farías: yes
- Garcia: yes
- Mark González: yes
- Caloza: yes
- Krell: yes
- Alvarez: yes
- Aguiar-Curry: yes
- Blanca Rubio: yes
- Berman: yes
- Bauer-Kahan: yes
- Schultz: yes
- Bennett: yes
- Sharp-Collins: yes
- Bonta: yes
- McKinnor: yes
- Gipson: yes
- Ransom: yes
- Petrie-Norris: yes
- Quirk-Silva: yes
- Calderon: yes
- Rogers: yes
- Lowenthal: yes
- Bains: yes
- Carrillo: yes
- Boerner: yes
- Elhawary: yes
- Irwin: yes
- Fong: yes
- Schiavo: yes
- Kalra: yes
- Addis: yes
- Bryan: yes
- Rivas: yes
- Jackson: yes
- Pellerin: yes
- Michelle Rodriguez: yes
- Flora: no
- Hadwick: no
- Hoover: no
- Macedo: no
- Ellis: no
- Chen: no
- Gallagher: no
- DeMaio: no
- Jeff Gonzalez: no
- Johnson: no
- Tangipa: no
- Alanis: no
- Patterson: no
- Sanchez: no
- Lackey: other
- Dixon: other
- Castillo: other
- Davies: other
- Celeste Rodriguez: other
- Muratsuchi: other
- Wallis: other
- Ta: other
Do pass as amended, but first amend, and re-refer to the Committee on [Judiciary]
2026-06-17 · pass · 7-0
Member-level votes (7)
- Cervantes: yes
- Strickland: yes
- Grayson: yes
- Reyes: yes
- Niello: yes
- Hurtado: yes
- Richardson: yes
Do pass, but first be re-referred to the Committee on [Appropriations]
2026-06-30 · pass · 13-0
Member-level votes (13)
- Wahab: yes
- Niello: yes
- Umberg: yes
- Laird: yes
- Stern: yes
- Ashby: yes
- Allen: yes
- Valladares: yes
- Weber Pierson: yes
- Wiener: yes
- Caballero: yes
- Reyes: yes
- Durazo: yes
Related bills
No related bills recorded for this bill.
Official source
Attribution
Data from openstates_api_sync, retrieved 2026-09-18T07:08:04.035616Z
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