CA AB 1847
enactedMortgage forbearance: state of emergency: wildfire.
California · 2025-2026 Regular Session · lower
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Quick answers
Did CA AB 1847 pass?
Yes. CA AB 1847 has been enacted into law. Latest recorded action (2026-09-15): Chaptered by Secretary of State - Chapter 242, Statutes of 2026.
What is CA AB 1847 about?
Existing law authorizes a borrower to request forbearance on their residential mortgage loan for a period of 12 months if, among other things, the borrower affirms that they are experiencing financial hardship that prevents them from making timely payments on the loan due directly to the wildfire disaster described in the proclamation of a state of emergency issued by Governor Gavin Newsom on January 7, 2025, or the federally declared disaster, declared on January 8, 2025, related to the Eaton Wildfire, the Palisades Fire, and the Straight-line Winds. Existing law requires an applicant requesting forbearance on their residential mortgage loan to affirm that they are experiencing a financial hardship due to the wildfire disaster. Existing law requires that request to be made before the earlier of either 6 months after the date upon which the state of emergency is terminated or January 7, 2027. Existing law requires a borrower to be notified by the mortgage servicer within 10 business days whether their request for forbearance has been approved. Existing law prohibits any late fees from being assessed to the borrower's account during the period of forbearance, and the borrower from being charged a default rate of interest. This bill would extend the period of mortgage forbearance to 24 months and extend the latest possible deadline for a borrower's request for forbearance to January 7, 2029. The bill would require an applicant requesting forbearance on their residential mortgage loan to further affirm that the property securing the loan is uninhabitable due to the wildfire disaster. Because the bill would expand the crime of perjury, the bill would impose a state-mandated local program. If the borrower has requested an extension of a forbearance period that would result in a total forbearance period of more than 12 months, the bill would authorize a mortgage servicer to request certain related documentation from the borrower, as specified. The bill would extend the amount of time the mortgage servicer has to notify the borrower whether their request for forbearance has been approved to 21 days or longer, as specified. During the period in which the borrower is waiting to be notified, the bill would prohibit any late fees from being assessed to the borrower's account, and the borrower from being charged a default rate of interest. Existing law requires a mortgage servicer to disclose to a borrower to whom a forbearance has been granted that the forborne mortgage payments are required to be repaid. Existing law prohibits requiring a borrower who was current on the residential mortgage loan when they entered forbearance to make a lump sum payment. This bill would require a mortgage servicer to offer the borrower the option to defer repayment of forborne amounts to the end of the loan term, as specified. 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 1847?
Harabedian is the primary sponsor of CA AB 1847, joined by 3 cosponsors.
Description
Existing law authorizes a borrower to request forbearance on their residential mortgage loan for a period of 12 months if, among other things, the borrower affirms that they are experiencing financial hardship that prevents them from making timely payments on the loan due directly to the wildfire disaster described in the proclamation of a state of emergency issued by Governor Gavin Newsom on January 7, 2025, or the federally declared disaster, declared on January 8, 2025, related to the Eaton Wildfire, the Palisades Fire, and the Straight-line Winds. Existing law requires an applicant requesting forbearance on their residential mortgage loan to affirm that they are experiencing a financial hardship due to the wildfire disaster. Existing law requires that request to be made before the earlier of either 6 months after the date upon which the state of emergency is terminated or January 7, 2027. Existing law requires a borrower to be notified by the mortgage servicer within 10 business days whether their request for forbearance has been approved. Existing law prohibits any late fees from being assessed to the borrower's account during the period of forbearance, and the borrower from being charged a default rate of interest. This bill would extend the period of mortgage forbearance to 24 months and extend the latest possible deadline for a borrower's request for forbearance to January 7, 2029. The bill would require an applicant requesting forbearance on their residential mortgage loan to further affirm that the property securing the loan is uninhabitable due to the wildfire disaster. Because the bill would expand the crime of perjury, the bill would impose a state-mandated local program. If the borrower has requested an extension of a forbearance period that would result in a total forbearance period of more than 12 months, the bill would authorize a mortgage servicer to request certain related documentation from the borrower, as specified. The bill would extend the amount of time the mortgage servicer has to notify the borrower whether their request for forbearance has been approved to 21 days or longer, as specified. During the period in which the borrower is waiting to be notified, the bill would prohibit any late fees from being assessed to the borrower's account, and the borrower from being charged a default rate of interest. Existing law requires a mortgage servicer to disclose to a borrower to whom a forbearance has been granted that the forborne mortgage payments are required to be repaid. Existing law prohibits requiring a borrower who was current on the residential mortgage loan when they entered forbearance to make a lump sum payment. This bill would require a mortgage servicer to offer the borrower the option to defer repayment of forborne amounts to the end of the loan term, as specified. 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
- 2026-05-14
- Latest action
- 2026-09-15 — Chaptered by Secretary of State - Chapter 242, Statutes of 2026.
- Bill type
- bill
- Last updated
- —
Subjects
Sponsors
- Harabedianauthor
- Irwinprincipal coauthor
- Allenprincipal coauthor
- Pérezprincipal coauthor
Committees
Not provided by source.
Action timeline
Newest first
2026-09-15
Chaptered by Secretary of State - Chapter 242, Statutes of 2026.
became-law
2026-09-15
Approved by the Governor.
executive-signature
2026-08-31
Enrolled and presented to the Governor at 4 p.m.
executive-receipt
2026-08-25
Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 73. Noes 0.).
amendment-passage,committee-passage,committee-passage-favorable
2026-08-25
Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 73. Noes 0. Page 6454.).
amendment-passage,committee-passage,committee-passage-favorable
2026-08-24
In Assembly. Concurrence in Senate amendments pending.
2026-08-24
Read third time. Passed. Ordered to the Assembly. (Ayes 36. Noes 0.).
passage,reading-1,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 5. 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 11. 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 5. 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 49. Noes 18.)
passage,reading-1,reading-3
2026-05-26
Read third time. Passed. Ordered to the Senate. (Ayes 49. Noes 18. Page 5364.)
2026-05-22
Read third time and amended. Ordered to third reading. (Page 5272.)
amendment-passage,reading-1,reading-3
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 10. Noes 4.) (May 14).
amendment-introduction,amendment-passage,committee-passage
2026-05-06
In committee: Set, first hearing. Referred to APPR. suspense file.
referral-committee
2026-04-22
From committee: Do pass and re-refer to Com. on APPR. (Ayes 8. Noes 3.) (April 21). Re-referred to Com. on APPR.
committee-passage,committee-passage-favorable,referral-committee
2026-04-21
From committee: Do pass and re-refer to Com. on JUD. (Ayes 5. Noes 2.) (April 20). Re-referred to Com. on JUD.
committee-passage,committee-passage-favorable,referral-committee
2026-04-13
(Pending re-refer to Com. on JUD.)
referral-committee
2026-04-13
Assembly Rule 56 suspended. (Page 4580.)
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
- 05/18/26 - Amended Assembly — 2026-05-18Compare
- 05/22/26 - Amended Assembly — 2026-05-22Compare
- 06/22/26 - Amended Senate — 2026-06-22Compare
- 08/13/26 - Amended Senate — 2026-08-13Compare
- 08/27/26 - Enrolled — 2026-08-27Compare
- 09/15/26 - Chaptered — 2026-09-15Compare
- (document, no version)Compare
- AB1847Compare
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Votes
Do pass and be re-referred to the Committee on [Judiciary]
2026-04-20 · pass · 5-2
Member-level votes (9)
- Fong: yes
- Schiavo: yes
- Krell: yes
- Valencia: yes
- Michelle Rodriguez: yes
- Dixon: no
- Chen: no
- Blanca Rubio: other
- Soria: other
Do pass and be re-referred to the Committee on [Appropriations]
2026-04-21 · pass · 8-3
Member-level votes (12)
- Zbur: yes
- Papan: yes
- Connolly: yes
- Bauer-Kahan: yes
- Bryan: yes
- Kalra: yes
- Harabedian: yes
- Stefani: yes
- Macedo: no
- Dixon: no
- Sanchez: no
- Pacheco: other
Do pass as amended.
2026-05-14 · pass · 10-4
Member-level votes (15)
- Krell: yes
- Sharp-Collins: yes
- Wicks: yes
- Caloza: yes
- Fong: yes
- Calderon: yes
- Solache: yes
- Pellerin: yes
- Aguiar-Curry: yes
- Mark González: yes
- Tangipa: no
- Ta: no
- Dixon: no
- Hoover: no
- Pacheco: other
AB 1847 Harabedian Assembly Third Reading
2026-05-27 · pass · 49-18
Member-level votes (80)
- Ward: yes
- Hart: yes
- Valencia: yes
- Wicks: yes
- Gabriel: yes
- Stefani: yes
- Ahrens: yes
- Lee: yes
- Harabedian: yes
- Connolly: yes
- Haney: yes
- Ramos: yes
- Ortega: yes
- Zbur: yes
- Arambula: yes
- Solache: yes
- Ávila Farías: yes
- Garcia: yes
- Mark González: yes
- Caloza: yes
- Alvarez: yes
- Aguiar-Curry: yes
- Berman: yes
- Bauer-Kahan: yes
- Schultz: yes
- Bennett: yes
- Sharp-Collins: yes
- Bonta: yes
- McKinnor: yes
- Gipson: 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
- Papan: yes
- Flora: no
- Hadwick: no
- Lackey: no
- Dixon: no
- Hoover: no
- Macedo: no
- Ellis: no
- Chen: no
- Gallagher: no
- DeMaio: no
- Jeff Gonzalez: no
- Johnson: no
- Tangipa: no
- Wallis: no
- Alanis: no
- Patterson: no
- Sanchez: no
- Ta: no
- Blanca Rubio: other
- Patel: other
- Wilson: other
- Castillo: other
- Soria: other
- Davies: other
- Celeste Rodriguez: other
- Muratsuchi: other
- Pacheco: other
- Ransom: other
- Michelle Rodriguez: other
- Nguyen: other
- Krell: other
Do pass as amended, but first amend, and re-refer to the Committee on [Judiciary]
2026-06-17 · pass · 5-0
Member-level votes (7)
- Grayson: yes
- Reyes: yes
- Cervantes: yes
- Hurtado: yes
- Richardson: yes
- Strickland: other
- Niello: other
Do pass, but first be re-referred to the Committee on [Appropriations]
2026-06-30 · pass · 11-0
Member-level votes (13)
- Wahab: yes
- Umberg: yes
- Laird: yes
- Stern: yes
- Ashby: yes
- Allen: yes
- Weber Pierson: yes
- Wiener: yes
- Caballero: yes
- Reyes: yes
- Durazo: yes
- Valladares: other
- Niello: other
Related bills
No related bills recorded for this bill.
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Attribution
Data from openstates_api_sync, retrieved 2026-09-18T07:08:04.035616Z
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