CA SB 784

in committee

Home improvement loans: right to cancel contracts.

California · 2025-2026 Regular Session · upper

Description

(1) Existing law generally regulates various types of consumer credit contracts and transactions, including consumer loans, home solicitation contracts and offers, and home improvement businesses and contracts. This bill would regulate home improvement loans. The bill would require a lender to take specified actions before a consumer executes a contract for a home improvement loan, including obtaining oral confirmation of key terms of the home improvement loan contract, as defined and specified. The bill would require a lender that offers or provides a home improvement loan to make certain information available to the consumer and would prescribe how a lender must respond to requests for information from a consumer. The bill would prohibit a consumer's repayment obligations under a home improvement loan, as specified, until the lender has taken specified actions. (2) Existing law authorizes a buyer to cancel certain home solicitation contracts or offers until midnight of the 3rd business day after the day on which the buyer signs an agreement or offer to purchase that complies with specified requirements. Existing law authorizes a buyer to cancel a home solicitation contract written for certain home improvement work until midnight of the 3rd business day after the buyer receives a signed and dated copy of the contract or offer to purchase that complies with specified requirements. Existing law requires contracts for a home solicitation contract or offer to include a notice of cancellation form with specified statements as to the buyer's right to cancel. Existing law permits a buyer to provide a seller an express waiver to this right to cancel, if the contract meets other specified requirements. Existing law requires specific provisions and requirements for home improvement contracts, as defined, that are not governed by the provisions described above. Existing law requires these contracts to include a notice regarding the buyer's 3-day right to cancel. Existing law provides an alternate 5-day period of time to cancel the contracts or offers described above if the buyer or property owner is a senior citizen, as defined, for contracts entered into, or offers to purchase conveyed, on or after January 1, 2021. This bill would extend those 3-day and 5-day periods to 5-day and 7-day periods, respectively. The bill would also make conforming changes. The bill would apply these new extended periods to transactions on or after January 1, 2026.

Introduced: 2025-02-21
Status date: —
Latest action: 2025-08-29 — August 29 hearing postponed by committee.
Bill type: bill
Last updated: —

Subjects

Committees

Not provided by source.

Action timeline

2025-02-21
Introduced. To Com. on RLS. for assignment. To print.
introduction,referral-committee
2025-02-24
From printer. May be acted upon on or after March 24.
2025-02-24
Read first time.
reading-1
2025-03-12
Referred to Coms. on B. & F.I. and JUD.
referral-committee
2025-03-18
Set for hearing April 2.
2025-04-03
From committee: Do pass as amended and re-refer to Com. on JUD. (Ayes 5. Noes 0. Page 63.) (April 2).
amendment-passage,committee-passage,committee-passage-favorable,referral-committee
2025-04-07
Read second time and amended. Re-referred to Com. on JUD.
amendment-passage,reading-1,reading-2,referral-committee
2025-04-11
Set for hearing April 29.
2025-04-30
From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 10. Noes 0. Page 943.) (April 29).
amendment-passage,committee-passage,committee-passage-favorable,referral-committee
2025-05-01
Read second time and amended. Re-referred to Com. on APPR.
amendment-passage,reading-1,reading-2,referral-committee
2025-05-06
Set for hearing May 12.
2025-05-12
May 12 hearing: Placed on APPR. suspense file.
2025-05-16
Set for hearing May 23.
2025-05-23
From committee: Do pass. (Ayes 5. Noes 0. Page 1213.) (May 23).
committee-passage,committee-passage-favorable
2025-05-23
Read second time. Ordered to third reading.
reading-1,reading-2,reading-3
2025-06-02
Read third time. Passed. (Ayes 27. Noes 2. Page 1379.) Ordered to the Assembly.
passage,reading-1,reading-3
2025-06-03
In Assembly. Read first time. Held at Desk.
reading-1
2025-06-09
Referred to Coms. on B. & F. and JUD.
referral-committee
2025-06-17
June 23 hearing postponed by committee.
2025-07-08
From committee: Do pass and re-refer to Com. on JUD. (Ayes 7. Noes 1.) (July 7). Re-referred to Com. on JUD.
committee-passage,committee-passage-favorable,referral-committee
2025-07-16
From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 9. Noes 3.) (July 15).
amendment-passage,committee-passage,committee-passage-favorable,referral-committee
2025-07-17
Read second time and amended. Re-referred to Com. on APPR.
amendment-passage,reading-1,reading-2,referral-committee
2025-08-20
August 20 set for first hearing. Placed on APPR. suspense file.
2025-08-29
August 29 hearing postponed by committee.

Versions

02/21/25 - Introduced — 2025-02-21Compare
04/07/25 - Amended Senate — 2025-04-07Compare
05/01/25 - Amended Senate — 2025-05-01Compare
07/17/25 - Amended Assembly — 2025-07-17Compare
SB784Compare
(document, no version)Compare

Documents

Votes

Do pass as amended, but first amend, and re-refer to the Committee on [Judiciary]
2025-04-02 · pass · 5-0
Member-level votes (7)
- Cervantes: yes
- Hurtado: yes
- Grayson: yes
- Richardson: yes
- Limón: yes
- Niello: other
- Strickland: other
Do pass as amended, but first amend, and re-refer to the Committee on [Appropriations]
2025-04-29 · pass · 10-0
Member-level votes (13)
- Arreguín: yes
- Allen: yes
- Durazo: yes
- Laird: yes
- Wahab: yes
- Caballero: yes
- Weber Pierson: yes
- Ashby: yes
- Umberg: yes
- Wiener: yes
- Valladares: other
- Niello: other
- Stern: other
Placed on suspense file
2025-05-12 · pass · 7-0
Member-level votes (7)
- Wahab: yes
- Seyarto: yes
- Grayson: yes
- Richardson: yes
- Cabaldon: yes
- Dahle: yes
- Caballero: yes
Do pass
2025-05-23 · pass · 5-0
Member-level votes (7)
- Caballero: yes
- Wahab: yes
- Cabaldon: yes
- Richardson: yes
- Grayson: yes
- Dahle: other
- Seyarto: other
3rd Reading SB784 Durazo et al.
2025-06-02 · pass · 27-2
Member-level votes (40)
- Menjivar: yes
- Pérez: yes
- Rubio: yes
- Padilla: yes
- Cervantes: yes
- Wahab: yes
- Smallwood-Cuevas: yes
- Wiener: yes
- Grayson: yes
- Cortese: yes
- Ashby: yes
- Gonzalez: yes
- Arreguín: yes
- Archuleta: yes
- Umberg: yes
- Becker: yes
- Laird: yes
- Durazo: yes
- McGuire: yes
- Blakespear: yes
- McNerney: yes
- Limón: yes
- Allen: yes
- Caballero: yes
- Weber Pierson: yes
- Cabaldon: yes
- Richardson: yes
- Jones: no
- Strickland: no
- Ochoa Bogh: other
- Niello: other
- Seyarto: other
- Valladares: other
- Reyes: other
- Alvarado-Gil: other
- Grove: other
- Dahle: other
- Stern: other
- Choi: other
- Hurtado: other
Do pass and be re-referred to the Committee on [Judiciary]
2025-07-07 · pass · 7-1
Member-level votes (9)
- Fong: yes
- Valencia: yes
- Michelle Rodriguez: yes
- Schiavo: yes
- Blanca Rubio: yes
- Soria: yes
- Krell: yes
- Dixon: no
- Chen: other
Do pass as amended and be re-referred to the Committee on [Appropriations]
2025-07-15 · pass · 9-3
Member-level votes (12)
- Stefani: yes
- Bryan: yes
- Kalra: yes
- Pacheco: yes
- Bauer-Kahan: yes
- Connolly: yes
- Papan: yes
- Harabedian: yes
- Zbur: yes
- Dixon: no
- Sanchez: no
- Macedo: no

Related bills

No related bills recorded for this bill.

Official source

http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202520260SB784

Attribution

Data from openstates_bulk_csv, retrieved 2026-07-24T01:34:27.960412Z

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