---
type: "Bill"
title: "Business: mortgage fraud."
description: "(1) Existing law makes it a criminal offense to commit mortgage fraud. This includes filing or causing to be filed with the county recorder in connection with a mortgage loan transaction any document that the person knows to contain a deliberate misstatement, misrepresentation, or omission, and with the intent to defraud."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20232024"
identifier: "AB 3108"
citation: "California AB 3108 (20232024)"
classification: ["bill"]
subjects: ["Business", "mortgage fraud"]
status: "enacted"
primary_sponsors: ["Jones-Sawyer"]
version_count: 7
action_count: 28
vote_count: 10
first_action: "2024-02-16"
last_action: "2024-09-24"
source: "openstates"
source_identifier: "ocd-bill/c0764bc5-a5f2-47e3-80eb-a96cb0695a33"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240AB3108"
source_hash: "5813f75d4618c163a54a5cb0daced6656cd33a6c8fe96434bbc4f545e219a64e"
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 3108 (20232024) — Business: mortgage fraud.

(1) Existing law makes it a criminal offense to commit mortgage fraud. This includes filing or causing to be filed with the county recorder in connection with a mortgage loan transaction any document that the person knows to contain a deliberate misstatement, misrepresentation, or omission, and with the intent to defraud.

## Version chain

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

1. **02/16/24 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202320240AB3108&version=20230AB310899INT)
2. **03/21/24 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202320240AB3108&version=20230AB310898AMD)
3. **06/24/24 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202320240AB3108&version=20230AB310897AMD)
4. **07/03/24 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202320240AB3108&version=20230AB310896AMD)
5. **09/24/24 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202320240AB3108&version=20230AB310894CHP)
6. **AB3108** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240AB3108)
7. **09/03/24 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202320240AB3108&version=20230AB310895ENR)

## Votes

- Do pass and be re-referred to the Committee on [Appropriations] with recommendation: To Consent Calendar — **8–0** (pass) · lower
- Placed on suspense file — **7–0** (pass) · upper
- Special Consent AB3108 Jones-Sawyer By Wiener — **39–0** (pass) · upper
- Do pass and be re-referred to the Committee on [Public Safety] — **9–0** (pass) · lower
- Do pass. — **15–0** (pass) · lower
- AB 3108 Jones-Sawyer Concurrence in Senate Amendments — **76–0** (pass) · lower
- Do pass as amended, but first amend, and re-refer to the Committee on [Public Safety] — **6–0** (pass) · upper
- AB 3108 Jones-Sawyer Assembly Third Reading — **71–0** (pass) · lower
- Do pass as amended, but first amend, and re-refer to the Committee on [Appropriations] — **5–0** (pass) · upper
- Do pass — **7–0** (pass) · upper

## Sponsors

- Jones-Sawyer — primary (person)

## Timeline

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

- **2024-02-16** Read first time. To print. `reading-1`
- **2024-02-17** From printer. May be heard in committee March 18.
- **2024-03-21** Referred to Coms. on B. & F. and PUB. S. `referral-committee`
- **2024-03-21** From committee chair, with author's amendments: Amend, and re-refer to Com. on B. & F. Read second time and amended. `amendment-introduction, amendment-passage, reading-1, reading-2`
- **2024-04-01** Re-referred to Com. on B. & F. `referral-committee`
- **2024-04-16** From committee: Do pass and re-refer to Com. on PUB. S. (Ayes 9. Noes 0.) (April 15). Re-referred to Com. on PUB. S. `committee-passage, committee-passage-favorable, referral-committee`
- **2024-04-24** From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 8. Noes 0.) (April 23). Re-referred to Com. on APPR. `committee-passage, committee-passage-favorable, referral-committee`
- **2024-05-08** In committee: Set, first hearing. Referred to APPR. suspense file. `referral-committee`
- **2024-05-16** From committee: Do pass. (Ayes 15. Noes 0.) (May 16). `committee-passage, committee-passage-favorable`
- **2024-05-20** Read second time. Ordered to third reading. `reading-1, reading-2`
- **2024-05-22** Read third time. Passed. Ordered to the Senate. (Ayes 71. Noes 0. Page 5527.) `passage, reading-1, reading-3`
- **2024-05-23** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2024-06-05** Referred to Coms. on B. & F.I. and PUB S. `referral-committee`
- **2024-06-20** From committee: Amend, and do pass as amended and re-refer to Com. on PUB S. (Ayes 6. Noes 0.) (June 19). `amendment-introduction, amendment-passage, committee-passage, referral-committee`
- **2024-06-24** Read second time and amended. Re-referred to Com. on PUB S. `amendment-passage, reading-1, reading-2, referral-committee`
- **2024-07-02** From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 5. Noes 0.) (July 2). `amendment-introduction, amendment-passage, committee-passage, referral-committee`
- **2024-07-03** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-1, reading-2, referral-committee`
- **2024-08-05** In committee: Referred to APPR suspense file. `referral-committee`
- **2024-08-15** From committee: Do pass. (Ayes 7. Noes 0.) (August 15). `committee-passage, committee-passage-favorable`
- **2024-08-19** Read second time. Ordered to third reading. `reading-1, reading-2`
- **2024-08-23** Ordered to special consent calendar.
- **2024-08-28** Read third time. Passed. Ordered to the Assembly. (Ayes 39. Noes 0.). `passage, reading-1, reading-3`
- **2024-08-28** In Assembly. Concurrence in Senate amendments pending. May be considered on or after August 30 pursuant to Assembly Rule 77.
- **2024-08-29** Assembly Rule 77 suspended.
- **2024-08-29** Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 76. Noes 0.). `amendment-passage, committee-passage-favorable`
- **2024-09-11** Enrolled and presented to the Governor at 4 p.m.
- **2024-09-24** Approved by the Governor. `executive-signature`
- **2024-09-24** Chaptered by Secretary of State - Chapter 517, Statutes of 2024. `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c0764bc5-a5f2-47e3-80eb-a96cb0695a33`. Confidence: reported (aggregated from official California legislature records).