republic-os/legislation/us/states/ca/20152016/ab-1645.md

type, title, description, jurisdiction, legislature, session, identifier, citation, classification, subjects, status, primary_sponsors, version_count, action_count, vote_count, first_action, last_action, source, source_identifier, source_url, source_hash, vintage, source_snapshot, retrieved_at, confidence, tags

type	title	description	jurisdiction	legislature	session	identifier	citation	classification	subjects	status	primary_sponsors	version_count	action_count	vote_count	first_action	last_action	source	source_identifier	source_url	source_hash	vintage	source_snapshot	retrieved_at	confidence	tags
Bill	Mortgage guaranty insurance.	Existing law, beginning January 1, 2018, requires, among other things, that a mortgage guaranty insurer limit its coverage to no more than a net of 30% at risk of the entire indebtedness to the insured for the class of insurance that insures against financial loss by reason of nonpayment of principal, interest, and other sums under any evidence of indebtedness secured by a mortgage, deed of trust, or other instrument constituting a first lien or charge on a residential building or a condominium unit or buildings designed for occupancy by not more than 4 families. Existing law, beginning January 1, 2018, also authorizes a mortgage guaranty insurer to extend its coverage for this class of insurance beyond the established limits if the excess is insured by a contract of reinsurance.	us/states/ca	California Legislature	20152016	AB 1645	California AB 1645 (20152016)	bill	Mortgage guaranty insurance.	enacted	Dababneh	4	16	4	2016-01-12	2016-07-22	openstates	ocd-bill/24611541-91b7-4c0f-a5e4-b5c06d9ba3b3	http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201520160AB1645	399d38315aa3ccb8728c52cc21dd7ea10514d236c58fb2080dfdef67263e6066	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-ca

California AB 1645 (20152016) — Mortgage guaranty insurance.

Existing law, beginning January 1, 2018, requires, among other things, that a mortgage guaranty insurer limit its coverage to no more than a net of 30% at risk of the entire indebtedness to the insured for the class of insurance that insures against financial loss by reason of nonpayment of principal, interest, and other sums under any evidence of indebtedness secured by a mortgage, deed of trust, or other instrument constituting a first lien or charge on a residential building or a condominium unit or buildings designed for occupancy by not more than 4 families. Existing law, beginning January 1, 2018, also authorizes a mortgage guaranty insurer to extend its coverage for this class of insurance beyond the established limits if the excess is insured by a contract of reinsurance.

Version chain

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

1. 01/12/16 - Introduced (filed) — source
2. 07/22/16 - Chaptered (committee substitute) — source
3. AB1645 (committee substitute) — source
4. 07/07/16 - Enrolled (enrolled) — source

Votes

• Do pass. To Consent Calendar. — 13–0 (pass) · lower
• AB 1645 DABABNEH Consent Calendar Second Day — 76–0 (pass) · lower
• Do pass and be ordered to the Consent Calendar — 8–0 (pass) · upper
• Consent Calendar 2nd — 37–0 (pass) · upper

Sponsors

• Dababneh — primary (person)

Timeline

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

• 2016-01-12 Read first time. To print. reading-1
• 2016-01-13 From printer. May be heard in committee February 12.
• 2016-02-04 Referred to Com. on INS. referral-committee
• 2016-04-06 From committee: Do pass. To Consent Calendar. (Ayes 13. Noes 0.) (April 6). committee-passage-favorable, committee-passage
• 2016-04-07 Read second time. Ordered to Consent Calendar. reading-2, reading-1
• 2016-04-14 Read third time. Passed. Ordered to the Senate. (Ayes 76. Noes 0. Page 4359.) reading-3, passage, reading-1
• 2016-04-14 In Senate. Read first time. To Com. on RLS. for assignment. reading-1
• 2016-04-28 Referred to Com. on INS. referral-committee
• 2016-06-06 In committee: Set, first hearing. Hearing canceled at the request of author.
• 2016-06-23 From committee: Do pass. To Consent Calendar. (Ayes 8. Noes 0.) (June 22). committee-passage-favorable, committee-passage
• 2016-06-27 Read second time. Ordered to Consent Calendar. reading-2, reading-1
• 2016-06-30 Read third time. Passed. Ordered to the Assembly. (Ayes 37. Noes 0. Page 4649.). reading-3, passage, reading-1
• 2016-06-30 In Assembly. Ordered to Engrossing and Enrolling. committee-passage
• 2016-07-11 Enrolled and presented to the Governor at 4:30 p.m.
• 2016-07-22 Approved by the Governor. executive-signature
• 2016-07-22 Chaptered by Secretary of State - Chapter 62, Statutes of 2016.

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/24611541-91b7-4c0f-a5e4-b5c06d9ba3b3. Confidence: reported (aggregated from official California legislature records).