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Sponsored Legislation

AB 1119

Wicks
AB 1119

Removing the Last Vestiges of Debtors’ Prison

AB 1119 rebalances the power dynamic between debt collectors and families with consumer debt. First, AB 1119 reduces the need for court appearances as people who get a notice to appear in court, but whose income and property are under the threshold protected by existing California law, will now be able to file a financial affidavit rather than taking up court time. Second, AB 1119 makes clear that there is no jail time for failure to pay debts in “limited civil” cases in superior court.

Status: 

Signed by Governor

AB 1414

Kalra
AB 1414

Ending Archaic and Unfair “Common Counts” in Debt Collection Cases

AB1414 prohibits common counts, which allow creditors and debt buyers to circumvent the usual rules of evidence and civil procedure, from being used in debt collection cases.

Status: 

Signed by Governor

SB 478

Dodd/Skinner
SB 478

Fighting Junk Fees by Requiring That the Advertised Price Include All Mandatory Charges

SB 478 adds a provision to the California Legal Remedies Act that prohibits businesses from advertising a price that does not include all required fees (excluding taxes).

Status: 

Signed by Governor

AB 199

Budget
AB 199

Expanding Automatic Waivers of Court Filing Fees

AB 199 incorporates the court fee waiver provisions of SB 355 provisions into the Budget Act of 2021.

Status: 

Added to Budget Bill

SB 1200

Skinner
SB 1200

Reducing the Interest Rate and the Term of Post-Judgment Debt

SB 1200 provides relief to debt-burdened Californians subject to debt-collection lawsuits. SB 1200 reduces the interest rate on most personal and medical debt judgments from 10% to 5% per year, and limits renewals of those judgments to a single five-year period.

Status: 

Signed by Governor

SB 633

Limón
SB 633

Expanding the Co-Signers Act

SB 633 provides that, for certain types of consumer contracts, where the tradesperson or business knows or has reason to know that a co signer or guarantor is not proficient in English, the tradesperson or business must provide a translated notice in Spanish, Chinese, Tagalog, Vietnamese, and Korean, as translated and made available by the Business, Consumer Services, and Housing Agency.

Status: 

Signed by Governor

AB 1405

Wicks
AB 1405

Reining in Debt Settlement Companies

AB 1405 establishes the Fair Debt Settlement Practices Act (Act) to prohibit debt settlement companies from engaging in specified practices or acts and to authorize a harmed consumer to bring a civil action against the provider by debt settlement companies.

Status: 

Signed by Governor

AB 390

Berman
AB 390

Making it Possible for Consumers to Cancel Online Subscription Services

AB 390 allows consumers to cancel online subscriptions for unwanted goods and services immediately and at any time. AB 390 also requires businesses to provide a link or button on their website or a readily accessible email address for termination.

Status: 

Signed by Governor

AB 430

Grayson
AB 430

Making it Easier to Establish Identity Theft in Cases of Coerced Debt

AB 430 modifies the documentation requirements involved in various statutes that provide civil protections for victims of identity theft. The bill replaces obsolete references to a Federal Trade Commission Affidavit of Identity Theft.

Status: 

Signed by Governor

AB 790

Quirk-Silva
AB 790

Extending a Key Consumer Protection to Cover PACE Contractors

AB 790 would amend a provision of the Consumer Legal Remedies Act so that it clearly applies to PACE fraud and be used to hold program administrators liable for their involvement in these schemes.

Status: 

Signed by Governor

AB 832

Chiu
AB 832

Creating Protections from Eviction and Back Rent Debt

AB 832 restricts landlords’ ability to evict tenants or to recover COVID back rent debt if tenants have applied for or would qualify for rental relief payments under federal and state efforts including the Emergency Rental Assistance Payments (ERAP) program. In addition, AB 832 "masks" actions to evict tenants for nonpayment of COVID rent debt or to collect that debt so that they will not appear on credit reports or tenant screening reports.

Status: 

Signed by Governor

SB 355

Becker
SB 355

Expanding the Number of People Eligible for Filing-Fee Waivers in Superior Court

SB 355 expands eligibility for initial court filing-fee waivers and alters the calculation to determine income-based eligibility for such waivers. AB 199 incorporates these provisions into the Budget Act of 2021.

Status: 

Added to Budget Bill

AB 1864

Limón
AB 1864

Creating the Department of Financial Protection and Innovation

AB 1864 enacts the California Consumer Financial Protection Law (CCFPL) to provide the Department of Financial Protection & Innovation (DFPI) with the tools, including UDAAP (Unfair, Deceptive or Abusive Acts and Practices) authority, to monitor financial product and service purveyors of all kinds. AB 1864 makes explicit that the Department also has the authority under the Dodd-Frank Act to exercise UDAAP jurisdiction over providers not covered by the CCFPL.

Status: 

Signed by Governor

AB 2463

Wicks
AB 2463

Ending Foreclosures for Credit Card Debt

AB 2463 prevents judgment creditors from foreclosing on homes for an unsecured consumer debt.

Status: 

Signed by Governor

AB 2524

Wicks
AB 2524

Reining in Out-of-State Debt Settlement Companies

AB 2524 enhances regulation of unfair and deceptive actors in the debt settlement industry.

Status: 

Signed by Governor

AB 3254

Limón
AB 3254

Expanding the Contract Translation Act to Cover Co-Signers

AB 3254 provides significant protection from fraud by requiring that non-English-speaking cosigners, who are often seniors, be given a copy of the contract in the language that they speak. The bill closes a loophole in current law by protecting Californians who don't read English but are called on to guarantee contracts.

Status: 

Signed by Governor

AB 1821

Judiciary Committee
AB 1821

Restoring the Holder Rule in California

AB 1821 restores the effectiveness of the FTC Holder Rule in California by overturning the Lafferty v. Wells Fargo decision, restoring consumers’ ability to recover their attorneys’ fees and costs in addition to their damages.

Status: 

Signed by the Governor

SB 187

Wieckowski
SB 187

Applying Debt Collection Rules to Mortgage Debt and to Attorneys

SB 187 extends the Rosenthal Fair Debt Collection Practices Act to explicitly include the collection of mortgage debt. SB 187 also removes the Rosenthal Act’s exception for attorneys, thus requiring lawyers who collect debt to conform to the Act's requirements.

Status: 

Signed by Governor

SB 616

Wieckowski
SB 616

Creating Automatic Exemptions from Bank Levies

SB 616 will reform the bank levy system for low-income California debtors by protecting $2000, enough to cover life's essential needs for a few months, from being seized by a creditor.

Status: 

Signed by Governor

AB 2063

Aguiar-Curry
AB 2063

Keeping PACE Program Administrators Accountable

AB 2063 ensures that a program administrator cannot execute an assessment or home improvement contract, or start work on that home improvement contract that is financed by an assessment contract, unless and until the program administrator determines that the property owner has the ability to pay the annual payment obligations for the PACE assessment.

Status: 

Signed by Governor

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