---
type: "Bill"
title: "Residential mortgage lending."
description: "Residential mortgage lending."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "19992000"
identifier: "AB 653"
citation: "California AB 653 (19992000)"
classification: ["bill"]
subjects: ["Residential mortgage lending."]
status: "enacted"
primary_sponsors: ["Hertzberg"]
version_count: 9
action_count: 27
vote_count: 6
first_action: "1999-02-23"
last_action: "1999-09-16"
source: "openstates"
source_identifier: "ocd-bill/f1f7a952-740d-4532-b24c-2db26b7b02b1"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=199920000AB653"
source_hash: "3697eaee3d23608ad09e6e46c5cafa4841e430e99b00fc56dd063a239da017f6"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ca"]
---

# California AB 653 (19992000) — Residential mortgage lending.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **02/23/99 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65399INT)
2. **04/22/99 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65398AMD)
3. **05/06/99 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65397AMD)
4. **06/14/99 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65396AMD)
5. **07/06/99 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65395AMD)
6. **08/16/99 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65394AMD)
7. **09/16/99 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65392CHP)
8. **AB653** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=199920000AB653)
9. **08/26/99 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=199920000AB653&version=19990AB65393ENR)

## Votes

- Special Consent #23 AB653 Hertzberg — **pass** (pass) · upper
- Do pass as amended, and re-refer to the Committee on Appropriations. — **pass** (pass) · upper
- Do pass as amended and be re-referred to the Committee on Appropriations. — **pass** (pass) · lower
- Do pass, to Consent Calendar. — **pass** (pass) · lower
- SPEC. CONSENT CALENDAR SECOND DAY CONCURRENCE — **pass** (pass) · lower
- CONSENT CALENDAR SECOND DAY — **pass** (pass) · lower

## Sponsors

- Hertzberg — primary (person)
- Dutra — principal coauthor (person)
- Papan — coauthor (person)
- Washington — principal coauthor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **1999-09-16** Chaptered by Secretary of State - Chapter 407, Statutes of 1999.
- **1999-09-16** Approved by the Governor. `executive-signature`
- **1999-09-03** Enrolled and to the Governor at 1 p.m.
- **1999-08-26** Senate amendments concurred in. To enrollment. (Ayes 76. Noes 0. Page 3505.) `committee-passage-favorable, amendment-passage`
- **1999-08-24** In Assembly. Concurrence in Senate amendments pending. May be considered on or after August 26 pursuant to Assembly Rule 77. Ordered to Special Consent Calendar.
- **1999-08-23** Read third time, passed, and to Assembly. (Ayes 40. Noes 0. Page 2568.) `passage, reading-3, reading-1`
- **1999-08-17** Read second time. To third reading. `reading-2, reading-1`
- **1999-08-16** Read third time, amended. To second reading. `reading-3, amendment-passage, reading-1`
- **1999-07-15** From Consent Calendar. To third reading.
- **1999-07-13** Read second time. To third reading. Ordered to Special Consent Calendar. `reading-2, reading-1`
- **1999-07-12** From committee: Be placed on second reading file pursuant to Senate Rule 28.8. `committee-passage`
- **1999-07-06** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Standing Committee on Appropriations. `amendment-introduction, amendment-passage, reading-2, reading-1, referral-committee`
- **1999-06-14** Read second time, amended, and re-referred to Standing Committee on Appropriations. `amendment-passage, reading-2, reading-1, referral-committee`
- **1999-06-10** From committee: Amend, and do pass as amended, and re-refer to Standing Committee on Appropriations (Ayes 8. Noes 0.). `committee-passage, amendment-introduction, amendment-passage, referral-committee`
- **1999-05-26** Referred to Com. on F.,I. & I.T. `referral-committee`
- **1999-05-20** In Senate. Read first time. To Standing Committee on Rules for assignment. `reading-1`
- **1999-05-20** Read third time, passed, and to Senate. (Ayes 76. Noes 0. Page 1775.) `passage, reading-3, reading-1`
- **1999-05-17** Read second time. To Consent Calendar. `reading-2, reading-1`
- **1999-05-13** From committee: Do pass. To Consent Calendar. (May 12). `committee-passage, committee-passage-favorable`
- **1999-05-10** Re-referred to Standing Committee on Appropriations. `referral-committee`
- **1999-05-06** From committee chair, with author's amendments: Amend, and re-refer to Standing Committee on Appropriations Read second time and amended. `amendment-introduction, amendment-passage, reading-2, reading-1, referral-committee`
- **1999-04-26** Re-referred to Standing Committee on Appropriations. `referral-committee`
- **1999-04-22** Read second time and amended. `amendment-passage, reading-2, reading-1`
- **1999-04-20** From committee: Amend, do pass as amended, and re-refer to Standing Committee on Appropriations (Ayes 13. Noes 0.) (April 19). `committee-passage, amendment-introduction, amendment-passage, referral-committee`
- **1999-03-15** Referred to Standing Committee on Banking and Finance. `referral-committee`
- **1999-02-24** From printer. May be heard in committee March 26.
- **1999-02-23** Read first time. To print. `reading-1`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f1f7a952-740d-4532-b24c-2db26b7b02b1`. Confidence: reported (aggregated from official California legislature records).