republic-os/legislation/us/states/ca/20172018/sb-1201.md

---
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).