{"id":595,"date":"2013-07-07T21:25:00","date_gmt":"2013-07-07T21:25:00","guid":{"rendered":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/?p=595"},"modified":"2023-12-21T17:16:54","modified_gmt":"2023-12-21T17:16:54","slug":"california-homeowner-bill-of-rights-regulate-foreclosures","status":"publish","type":"post","link":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/2013\/07\/07\/california-homeowner-bill-of-rights-regulate-foreclosures\/","title":{"rendered":"California Homeowner Bill of Rights regulate foreclosures"},"content":{"rendered":"\n<p>California passed a statute on Jan. 1, 2013 called the\u00a0<a rel=\"noreferrer noopener\" href=\"http:\/\/www.help.freehomeownershiphelp.org\/?p=2269\" target=\"_blank\">California Homeowner Bill of Rights<\/a>\u00a0(Assembly Bill 278, ch. 86, adopted July 11, 2012)\u00a0(effective Jan. 1, 2013).\u00a0Among other things, it prohibits banks from proceeding with foreclosures if the homeowners is seeking a loan modification and it requires the bank to act on qualified applications for loan modifications. Cal. Civ. \u00a72923.5.It also subjects banks to a penalty for recording unverified documents. Cal. Civ. \u00a72924.17. It also prevents eviction of tenants who have fixed-term leases as long as those leases last even if the landlord loses the property to foreclosure before the end of the lease term and even if the lease was created after the mortgage. Cal. Civ. Proc. \u00a71161b(b).<\/p>\n\n\n<div class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/faculty.law.harvard.edu\/joseph-singer\/category\/consumer-protection\/\" rel=\"tag\">Consumer Protection<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/faculty.law.harvard.edu\/joseph-singer\/category\/leaseholds\/\" rel=\"tag\">Leaseholds<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/faculty.law.harvard.edu\/joseph-singer\/category\/mortgages\/\" rel=\"tag\">Mortgages<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/faculty.law.harvard.edu\/joseph-singer\/category\/real-estate-transactions\/\" rel=\"tag\">Real Estate Transactions<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>California passed a statute on Jan. 1, 2013 called the\u00a0California Homeowner Bill of Rights\u00a0(Assembly Bill 278, ch. 86, adopted July 11, 2012)\u00a0(effective Jan. 1, 2013).\u00a0Among other things, it prohibits banks from proceeding with foreclosures if the homeowners is seeking a loan modification and it requires the bank to act on qualified applications for loan modifications. Cal. Civ. \u00a72923.5.It also subjects banks to a penalty for recording unverified documents. Cal. Civ. \u00a72924.17. It also prevents eviction of tenants who have fixed-term leases as long as those leases last even if the landlord loses the property to foreclosure before the end of the lease term and even if the lease was created after the mortgage. Cal. Civ. Proc. \u00a71161b(b).<\/p>\n","protected":false},"author":17,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[9,33,34,10],"tags":[],"class_list":["post-595","post","type-post","status-publish","format-standard","hentry","category-consumer-protection","category-leaseholds","category-mortgages","category-real-estate-transactions"],"featured_image_src":null,"featured_image_src_square":null,"author_info":{"display_name":"jsinger","author_link":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/author\/jsinger\/"},"_links":{"self":[{"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/posts\/595","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/comments?post=595"}],"version-history":[{"count":0,"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/posts\/595\/revisions"}],"wp:attachment":[{"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/media?parent=595"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/categories?post=595"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/faculty.law.harvard.edu\/joseph-singer\/wp-json\/wp\/v2\/tags?post=595"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}