California Passes Bills In Homeowner Bill of Rights package

Posted by revolt | California Passes Bills In Homeowner Bill of Rights package | Thursday 31 May 2012 2:30 pm

STATE: Legislature passes bills in California Homeowner Bill of Rights package

Thursday, 31 May 2012

California Attorney General Kamala D. Harris announced on Wednesday that the Assembly and Senate each passed important components of the California Homeowner Bill of Rights that will help protect homeowners from scams.

The bills enhance the attorney general’s enforcement powers and allow the attorney general to use special grand juries to prosecute multi-jurisdictional financial crimes.

The Mortgage Fraud Strike Force established by the attorney general has been investigating and prosecuting a wide range of crimes related to mortgages, foreclosures and real estate.

“California was the epicenter of the mortgage and foreclosure crisis and scammers have been preying on vulnerable citizens who simply want to keep their homes,” said Attorney General Harris. “These bills will aid our efforts to prosecute and convict these criminals.”

These are two of the six bills in the California Homeowner Bill of Rights. Other portions of the package are being considered in a Joint Legislative Conference Committee, including elements to restrict unnecessary foreclosures and protect the due process rights of borrowers and homeowners.

AB 1763 (Assemblymember Mike Davis, D-Los Angeles) and SB 1474 (Senator Loni Hancock, D-Berkeley) would allow the Attorney General to convene a special grand jury to investigate and indict the perpetrators of financial crimes involving victims in multiple jurisdictions. Both bills passed out of their respective houses unanimously with bipartisan support.

The special grand jury would convene in cases involving fraud or theft that occurs in more than one county and where all potential charges are against a single defendant or multiple defendants working together.

Crimes of a financial nature often occur in multiple jurisdictions. Under current law, crimes where the fraud victims are all over the state require separate grand juries and charges filed in each county where the defendant committed the crime. This legislation would provide for the option of a special grand jury that can investigate financial crimes beyond the scope of single-county grand juries.

“The attorney general is currently engaged in the investigation of significant crimes,” Senator Hancock said. “Unfortunately, county-by-county grand juries do not work well in dealing with large-scale wrongdoing in multiple jurisdictions. With this bill, the attorney general can investigate multijurisdictional crimes – it will provide protection when Californians need it the most.”

In addition, AB 1950, by Assembly member Davis, will extend to three years the statute of limitations on mortgage related crimes.

The current statute of limitations of one year can make it difficult to prosecute crimes such as the prohibition on charging up front fees for loan modification services.

Because the foreclosure process is so protracted, some homeowners may not even realize that they have been the victim of a scam before it is too late for prosecution.

“AB 1950 equips the Attorney General to do her job; to go after the bad actors that have taken advantage of homeowners. It accomplishes this by providing the Attorney General with appropriate time to investigate and prosecute those who prey on California homeowners,” said Assembly member Mike Davis. The bill passed out of the Assembly on a 46 to 18 vote.

The California Homeowner Bill of Rights also includes:

  • DUE PROCESS AND FORECLOSURE REDUCTION ACT: SB 900 (Leno) & AB 278 (Eng). These bills are being considered by a Joint Legislative Conference Committee.
  • BLIGHT PREVENTION LEGISLATION: AB 2314 (Carter) & SB 1472 (Pavley and DeSaulnier). These bills have passed the Assembly and Senate, respectively and now will be heard in the other house.
  • TENANT PROTECTION LEGISLATION: AB 2610 (Skinner) & SB 1473 (Hancock). These bills will be heard in the Assembly and Senate by the end of the week.

For more information on the California Homeowner Bill of Rights, go to www.oag.ca.gov

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