All Roll Calls
Yes: 243 • No: 0
CaliforniaAB 2382025-2026 Regular SessionHouseWALLET
Mortgage forbearance: state of emergency: wildfire.
Sponsored By: John Harabedian (Democratic), Jacqui Irwin (Democratic)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 2 benefits, 1 costs, 1 mixed.
No fees, no foreclosure during pause
While your loan is in wildfire forbearance, the servicer cannot charge late fees or a default interest rate. If you were current when you started forbearance, they cannot require a lump‑sum catch‑up. If you follow the plan, they cannot start or continue foreclosure, hold a sale, or do a foreclosure eviction. For credit reporting, they may not mark “in forbearance.” If you were current, they report current; if you were already delinquent, they may keep that status unless you bring the loan current. At the start, they must tell you that paused payments are deferred and must be repaid.
Wildfire mortgage pause: who qualifies, how long
Homeowners with owner‑occupied homes up to 4 units affected by the Eaton and Palisades fires or straight‑line winds can pause mortgage payments. You (or your power of attorney) may request forbearance by affirming wildfire‑related hardship. Ask before the earlier of six months after the state emergency ends or January 7, 2027. You get up to 90 days first and can add 90‑day blocks, up to 12 months total; any wildfire forbearance you already had counts toward the cap. At least 30 days before the first pause ends, the servicer must tell you what to send and the deadlines to request more time.
Fast decisions and clear denial reasons
After you request forbearance, the servicer must answer yes or no within 10 business days. If denied, you must get a written reason that quotes the exact investor rule or contract. If the problem is fixable, you have 21 calendar days to cure it, and the servicer must answer your fixed request within five business days.
Servicer leeway when rules conflict
Servicers are not liable under this law if following it would make it impossible to also follow federal or GSE servicing rules. For federally backed loans, the check uses guidelines as of January 13, 2025. A failure to follow this law does not undo a completed trustee sale or a sale to a good‑faith buyer.
Sponsors & Cosponsors
Sponsors
John Harabedian
Democratic • House
Jacqui Irwin
Democratic • House
Cosponsors
Isaac Bryan
Democratic • House
Lisa Calderon
Democratic • House
Jessica Caloza
Democratic • House
Celeste Celeste Rodriguez
Democratic • House
Mike Fong
Democratic • House
Matt Haney
Democratic • House
Mark Mark González
Democratic • House
Rhodesia Ransom
Democratic • House
Pilar Schiavo
Democratic • House
Nick Schultz
Democratic • House
Rick Chavez Zbur
Democratic • House
Roll Call Votes
House vote • 9/3/2025
Item 112 — Assembly AFLOOR
Yes: 77 • No: 0
Senate vote • 9/2/2025
Item 259 — Senate SFLOOR
Yes: 40 • No: 0
legislature vote • 7/14/2025
Vote in CS61
Yes: 7 • No: 0
legislature vote • 6/24/2025
Vote in CS53
Yes: 12 • No: 0
legislature vote • 6/18/2025
Vote in CS69
Yes: 7 • No: 0
House vote • 4/7/2025
Item 16 — Assembly AFLOOR
Yes: 70 • No: 0
legislature vote • 3/19/2025
Vote in CX25
Yes: 13 • No: 0
legislature vote • 3/4/2025
Vote in CX13
Yes: 11 • No: 0
legislature vote • 3/3/2025
Vote in CX27
Yes: 6 • No: 0
Actions Timeline
Chaptered by Secretary of State - Chapter 128, Statutes of 2025.
9/22/2025SenateApproved by the Governor.
9/22/2025legislatureEnrolled and presented to the Governor at 4 p.m.
9/4/2025legislatureSenate amendments concurred in. To Engrossing and Enrolling. (Ayes 77. Noes 0. Page 2855.).
9/3/2025HouseIn Assembly. Concurrence in Senate amendments pending.
9/2/2025HouseRead third time. Urgency clause adopted. Passed. Ordered to the Assembly. (Ayes 40. Noes 0. Page 2390.).
9/2/2025SenateRead second time. Ordered to third reading.
7/15/2025SenateFrom committee: Do pass. (Ayes 7. Noes 0.) (July 14).
7/14/2025SenateFrom committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on APPR.
7/10/2025SenateRead second time and amended. Re-referred to Com. on APPR.
6/26/2025SenateFrom committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 12. Noes 0.) (June 24).
6/25/2025SenateFrom committee: Do pass and re-refer to Com. on JUD. (Ayes 7. Noes 0.) (June 18). Re-referred to Com. on JUD.
6/18/2025SenateFrom committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on B. & F.I.
6/3/2025SenateReferred to Coms. on B. & F.I. and JUD.
5/7/2025SenateIn Senate. Read first time. To Com. on RLS. for assignment.
4/7/2025SenateRead third time. Urgency clause adopted. Passed. Ordered to the Senate. (Ayes 70. Noes 0. Page 1030.).
4/7/2025HouseRead third time and amended. Ordered to third reading.
4/2/2025HouseRead second time. Ordered to third reading.
3/20/2025HouseFrom committee: Do pass. (Ayes 13. Noes 0.) (March 19).
3/19/2025HouseIn committee: Set, first hearing. Referred to APPR. suspense file.
3/19/2025HouseRe-referred to Com. on APPR.
3/17/2025HouseFrom committee chair, with author's amendments: Amend, and re-refer to Com. on APPR. Read second time and amended.
3/14/2025HouseFrom committee: Do pass and re-refer to Com. on APPR. (Ayes 11. Noes 0.) (March 4). Re-referred to Com. on APPR.
3/4/2025HouseFrom committee: Do pass and re-refer to Com. on JUD. (Ayes 6. Noes 0.) (March 3). Re-referred to Com. on JUD.
3/3/2025HouseCoauthors revised.
2/26/2025House
Bill Text
Chaptered
9/22/2025
Enrolled
9/4/2025
Amended Senate
7/10/2025
Amended Senate
6/26/2025
Amended Senate
6/3/2025
Amended Assembly
4/2/2025
Amended Assembly
3/14/2025
Introduced
1/13/2025