The California Homeowner Bill of Rights (AB 278 and SB 900) provides protection for borrowers and struggling homeowners, including a restriction of dual-track foreclosures (in which a lender forecloses on a borrower despite being in discussions to try and save the home). They bill also guarantees struggling homeowners a single point of contact at their lender with knowledge of their loan and direct access to decision makers. In addition, the bills impose civil penalties for the practice of robosigning.

Both bills passed 53-25 in the Assembly and 25-13 in the Senate. Governor Jerry Brown signed them on July 11, 2012.