California Homeowner Bill of Rights

In response to the foreclosure crisis and widespread evidence of mortgage lender and servicer abuses in the foreclosure process, the California legislature passed the Homeowner Bill of Rights (HBOR). HBOR, which became effective on January 1, 2013, applies to all mortgage servicers, although some of the procedural requirements are less stringent for very small servicers.

HBOR helps struggling homeowners by prohibiting dual tracking (the practice where a servicer continues foreclosure proceedings while simultaneously considering a loan modification application), requiring large servicers to appoint a single point of contact for homeowners facing foreclosure, requiring large servicers to establish a loan modification appeals process, and prohibiting robosigning, among other things.

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