In July, Governor Jerry Brown signed into law California’s Homeowners Bill of Rights. The legislation is meant to provide consumers with certain protections in dealing with mortgage lenders about first mortgage delinquency issues.
By additions or amendments to the state’s civil code, the Homeowners Bill of Rights is intended to codify certain rights and privileges that were first made available to the borrowing public as part of the $25 billion National Mortgage Settlement, or NMS. This bill of rights arises out of, but is separate from, the NMS.
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