--- type: "Bill" title: "Contracts: consumer protection: residential mortgage lending." description: "Existing law requires a supervised financial organization that negotiates primarily in Spanish, Chinese, Tagalog, Vietnamese, or Korean, whether orally or in writing, in the course of entering into a contract or agreement for a loan or extension of credit secured by residential real property, to deliver to the other party to that contract or agreement before execution of the contract or agreement, a specific form, created by the Department of Business Oversight, in each of these languages for use by a supervised financial organization to summarize the terms of a mortgage loan. Existing law authorizes the department, in creating the form, to use a specific federal disclosure form from the United States Department of Housing and Urban Development as guidance." jurisdiction: "us/states/ca" legislature: "California Legislature" session: "20172018" identifier: "SB 1201" citation: "California SB 1201 (20172018)" classification: ["bill"] subjects: ["Contracts: consumer protection: residential mortgage lending."] status: "enacted" primary_sponsors: ["Jackson"] version_count: 6 action_count: 29 vote_count: 7 first_action: "2018-02-15" last_action: "2018-09-11" source: "openstates" source_identifier: "ocd-bill/ada0b491-3d15-429b-bf6f-b9de1e46d304" source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB1201" source_hash: "0e04dc0ba3ce6ebc7658b89a0e5a4ba06f97bf5a81641e3ab37ef9c76dd9af1e" 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 SB 1201 (20172018) — Contracts: consumer protection: residential mortgage lending. Existing law requires a supervised financial organization that negotiates primarily in Spanish, Chinese, Tagalog, Vietnamese, or Korean, whether orally or in writing, in the course of entering into a contract or agreement for a loan or extension of credit secured by residential real property, to deliver to the other party to that contract or agreement before execution of the contract or agreement, a specific form, created by the Department of Business Oversight, in each of these languages for use by a supervised financial organization to summarize the terms of a mortgage loan. Existing law authorizes the department, in creating the form, to use a specific federal disclosure form from the United States Department of Housing and Urban Development as guidance. ## Version chain The bill's text revisions, in order — the diff chain from filing to enrollment. 1. **02/15/18 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1201&version=20170SB120199INT) 2. **04/09/18 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1201&version=20170SB120198AMD) 3. **04/30/18 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1201&version=20170SB120197AMD) 4. **09/11/18 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1201&version=20170SB120195CHP) 5. **SB1201** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB1201) 6. **08/20/18 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1201&version=20170SB120196ENR) ## Votes - Do pass and be re-referred to the Committee on [Appropriations] — **10–0** (pass) · lower - 3rd Reading — **39–0** (pass) · upper - Do pass and be re-referred to the Committee on [Privacy and Consumer Protection] with recommendation: To Consent Calendar — **11–0** (pass) · lower - SB 1201 Jackson Consent Calendar Second Day — **76–0** (pass) · lower - Do pass as amended, but first amend, and re-refer to the Committee on [Appropriations] — **7–0** (pass) · upper - Do pass, but first be re-referred to the Committee on [Judiciary] — **7–0** (pass) · upper - Do pass. To Consent Calendar. — **17–0** (pass) · lower ## Sponsors - Jackson — primary (person) ## Timeline The legislative action history — every referral, reading, and vote. - **2018-02-15** Introduced. Read first time. To Com. on RLS. for assignment. To print. `introduction, reading-1` - **2018-02-16** From printer. May be acted upon on or after March 18. - **2018-03-01** Referred to Coms. on I., B. & F.I. and JUD. `referral-committee` - **2018-03-15** Withdrawn from committee. - **2018-03-15** Re-referred to Com. on RLS. `referral-committee` - **2018-03-15** Re-referred to Coms. on B. & F.I. and JUD. `referral-committee` - **2018-03-16** Set for hearing April 4. - **2018-03-22** April 4 set for first hearing canceled at the request of author. - **2018-03-23** Set for hearing April 18. - **2018-04-09** From committee with author's amendments. Read second time and amended. Re-referred to Com. on B. & F.I. `reading-2, referral-committee, amendment-passage, committee-passage, reading-1` - **2018-04-19** From committee: Do pass and re-refer to Com. on JUD. (Ayes 7. Noes 0. Page 4745.) (April 18). Re-referred to Com. on JUD. `committee-passage-favorable, committee-passage, referral-committee` - **2018-04-20** Set for hearing April 24. - **2018-04-26** From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 7. Noes 0. Page 4815.) (April 24). `committee-passage-favorable, committee-passage, amendment-passage` - **2018-04-30** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-2, referral-committee, reading-1` - **2018-05-04** Set for hearing May 14. - **2018-05-14** From committee: Be ordered to second reading pursuant to Senate Rule 28.8. `committee-passage, reading-2` - **2018-05-15** Read second time. Ordered to third reading. `reading-2, reading-1` - **2018-05-21** Read third time. Passed. (Ayes 39. Noes 0. Page 4219.) Ordered to the Assembly. `reading-3, passage, reading-1` - **2018-05-21** In Assembly. Read first time. Held at Desk. `reading-1` - **2018-05-31** Referred to Coms. on B. & F. and P. & C.P. `referral-committee` - **2018-06-19** From committee: Do pass and re-refer to Com. on P. & C.P. with recommendation: To consent calendar. (Ayes 11. Noes 0.) (June 18). Re-referred to Com. on P. & C.P. `committee-passage-favorable, committee-passage, referral-committee` - **2018-06-27** From committee: Do pass and re-refer to Com. on APPR. (Ayes 10. Noes 0.) (June 26). Re-referred to Com. on APPR. `committee-passage-favorable, committee-passage, referral-committee` - **2018-08-08** From committee: Do pass. Ordered to consent calendar. (Ayes 17. Noes 0.) (August 8). `committee-passage-favorable, committee-passage` - **2018-08-09** Read second time. Ordered to consent calendar. `reading-2, reading-1` - **2018-08-16** Read third time. Passed. (Ayes 76. Noes 0. Page 6312.) Ordered to the Senate. `reading-3, passage, reading-1` - **2018-08-16** In Senate. Ordered to engrossing and enrolling. - **2018-08-22** Enrolled and presented to the Governor at 3:30 p.m. - **2018-09-11** Approved by the Governor. `executive-signature` - **2018-09-11** Chaptered by Secretary of State. Chapter 356, Statutes of 2018. ## Source OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/ada0b491-3d15-429b-bf6f-b9de1e46d304`. Confidence: reported (aggregated from official California legislature records).