---
type: "Bill"
title: "Reverse mortgages: counseling."
description: "Existing law defines and regulates reverse mortgage loans and prohibits a reverse mortgage loan application from being taken by a lender unless the loan applicant has been provided a specified notice advising the applicant about counseling prior to obtaining the reverse mortgage loan. Existing law requires a lender to provide a prospective borrower a list of not fewer than 10 housing counseling agencies approved by the United States Department of Housing and Community Development to engage in reverse mortgage counseling, as specified, and prohibits a lender from accepting a final and complete application for a reverse mortgage or assessing any fees upon a prospective borrower without receiving certification that the prospective borrower has received this counseling from an approved counseling agency."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20112012"
identifier: "AB 2010"
citation: "California AB 2010 (20112012)"
classification: ["bill"]
subjects: ["Reverse mortgages: counseling."]
status: "enacted"
primary_sponsors: ["Bonilla"]
version_count: 5
action_count: 17
vote_count: 4
first_action: "2012-02-23"
last_action: "2012-09-27"
source: "openstates"
source_identifier: "ocd-bill/b43c9c77-45f9-4334-ba6d-a1c90c30ba45"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120AB2010"
source_hash: "e195d52b2df3da6e00ee0c2fab4ed024f32cee024de0ac99ff16f0dff45b7d72"
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 2010 (20112012) — Reverse mortgages: counseling.

Existing law defines and regulates reverse mortgage loans and prohibits a reverse mortgage loan application from being taken by a lender unless the loan applicant has been provided a specified notice advising the applicant about counseling prior to obtaining the reverse mortgage loan. Existing law requires a lender to provide a prospective borrower a list of not fewer than 10 housing counseling agencies approved by the United States Department of Housing and Community Development to engage in reverse mortgage counseling, as specified, and prohibits a lender from accepting a final and complete application for a reverse mortgage or assessing any fees upon a prospective borrower without receiving certification that the prospective borrower has received this counseling from an approved counseling agency.

## Version chain

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

1. **02/23/12 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB2010&version=20110AB201099INT)
2. **04/23/12 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB2010&version=20110AB201098AMD)
3. **09/27/12 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB2010&version=20110AB201096CHP)
4. **AB2010** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201120120AB2010)
5. **08/29/12 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201120120AB2010&version=20110AB201097ENR)

## Votes

- Do pass. — **11–0** (pass) · lower
- Do pass. — **4–0** (pass) · upper
- AB 2010 BONILLA Assembly Third Reading — **63–10** (pass) · lower
- 3rd Reading AB2010 Bonilla By DeSaulnier — **28–9** (pass) · upper

## Sponsors

- Bonilla — primary (person)

## Timeline

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

- **2012-02-23** Read first time. To print. `reading-1`
- **2012-02-24** From printer. May be heard in committee March 25.
- **2012-03-12** Referred to Com. on B. & F. `referral-committee`
- **2012-04-23** From committee chair, with author's amendments: Amend, and re-refer to Com. on B. & F. Read second time and amended. `reading-2, amendment-introduction, reading-1, amendment-passage`
- **2012-04-24** Re-referred to Com. on B. & F. `referral-committee`
- **2012-05-01** From committee: Do pass. (Ayes 11. Noes 0.) (April 30). `committee-passage, committee-passage-favorable`
- **2012-05-02** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2012-05-10** Read third time. Passed. Ordered to the Senate. (Ayes 63. Noes 10. Page 4768.) `reading-3, reading-1, passage`
- **2012-05-10** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2012-05-24** Referred to Com. on JUD. `referral-committee`
- **2012-07-05** From committee: Do pass. (Ayes 4. Noes 0.) (July 3). `committee-passage, committee-passage-favorable`
- **2012-07-06** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2012-08-23** Read third time. Passed. Ordered to the Assembly. (Ayes 28. Noes 9. Page 4759.). `reading-3, reading-1, passage`
- **2012-08-24** In Assembly. Ordered to Engrossing and Enrolling. `committee-passage`
- **2012-08-31** Enrolled and presented to the Governor at 4:30 p.m.
- **2012-09-27** Approved by the Governor. `executive-signature`
- **2012-09-27** Chaptered by Secretary of State - Chapter 641, Statutes of 2012.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b43c9c77-45f9-4334-ba6d-a1c90c30ba45`. Confidence: reported (aggregated from official California legislature records).