republic-os/legislation/us/states/ca/20172018/sb-1139.md

---
type: "Bill"
title: "Real property liens: equity lines of credit: suspend and close."
description: "Existing law requires a creditor to make certain disclosures to a consumer applying for a home equity loan, as defined. Under existing law, upon receipt of a specified written request from a borrower, the lender must suspend the borrower's equity line of credit for a minimum of 30 days. Upon receipt of both that request and a specified payment, existing law requires a lender to close the borrower's equity line of credit and release or reconvey the property secured by the line of credit, as specified. Existing law provides for the repeal of these equity line of credit suspension and closure provisions on July 1, 2019."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20172018"
identifier: "SB 1139"
citation: "California SB 1139 (20172018)"
classification: ["bill"]
subjects: ["Real property liens: equity lines of credit: suspend and close."]
status: "enacted"
primary_sponsors: ["Morrell"]
version_count: 4
action_count: 21
vote_count: 5
first_action: "2018-02-13"
last_action: "2018-07-09"
source: "openstates"
source_identifier: "ocd-bill/9fab018f-9e90-4a25-9556-20171a901ce5"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB1139"
source_hash: "d34245bec5e2a548b0f342ab9c5891b61253f2e0f5167341d4cd75f6b07fa7bc"
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 1139 (20172018) — Real property liens: equity lines of credit: suspend and close.

Existing law requires a creditor to make certain disclosures to a consumer applying for a home equity loan, as defined. Under existing law, upon receipt of a specified written request from a borrower, the lender must suspend the borrower's equity line of credit for a minimum of 30 days. Upon receipt of both that request and a specified payment, existing law requires a lender to close the borrower's equity line of credit and release or reconvey the property secured by the line of credit, as specified. Existing law provides for the repeal of these equity line of credit suspension and closure provisions on July 1, 2019.

## Version chain

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

1. **02/13/18 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1139&version=20170SB113999INT)
2. **07/09/18 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1139&version=20170SB113997CHP)
3. **SB1139** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB1139)
4. **06/27/18 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB1139&version=20170SB113998ENR)

## Votes

- Do pass. To Consent Calendar. — **11–0** (pass) · lower
- SB 1139 Morrell Consent Calendar Second Day — **75–0** (pass) · lower
- Do pass and be ordered to the Consent Calendar — **7–0** (pass) · upper
- Do pass, but first be re-referred to the Committee on [Judiciary] with the recommendation: To Consent Calendar — **7–0** (pass) · upper
- Consent Calendar — **38–0** (pass) · upper

## Sponsors

- Morrell — primary (person)

## Timeline

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

- **2018-02-13** Introduced. Read first time. To Com. on RLS. for assignment. To print. `introduction, reading-1`
- **2018-02-14** From printer. May be acted upon on or after March 16.
- **2018-02-22** 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.
- **2018-04-04** From committee: Do pass and re-refer to Com. on JUD. with recommendation: To consent calendar. (Ayes 7. Noes 0. Page 4532.) (April 4). Re-referred to Com. on JUD. `committee-passage-favorable, committee-passage, referral-committee`
- **2018-04-19** Set for hearing May 1.
- **2018-05-02** From committee: Do pass. Ordered to consent calendar. (Ayes 7. Noes 0. Page 4915.) (May 1). `committee-passage-favorable, committee-passage`
- **2018-05-03** Read second time. Ordered to consent calendar. `reading-2, reading-1`
- **2018-05-10** Read third time. Passed. (Ayes 38. Noes 0. Page 5011.) Ordered to the Assembly. `reading-3, passage, reading-1`
- **2018-05-10** In Assembly. Read first time. Held at Desk. `reading-1`
- **2018-05-25** Referred to Com. on B. & F. `referral-committee`
- **2018-06-19** From committee: Do pass. Ordered to consent calendar. (Ayes 11. Noes 0.) (June 18). `committee-passage-favorable, committee-passage`
- **2018-06-20** Read second time. Ordered to consent calendar. `reading-2, reading-1`
- **2018-06-25** Read third time. Passed. (Ayes 75. Noes 0. Page 5978.) Ordered to the Senate. `reading-3, passage, reading-1`
- **2018-06-25** In Senate. Ordered to engrossing and enrolling.
- **2018-06-29** Enrolled and presented to the Governor at 4 p.m.
- **2018-07-09** Approved by the Governor. `executive-signature`
- **2018-07-09** Chaptered by Secretary of State. Chapter 90, Statutes of 2018.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/9fab018f-9e90-4a25-9556-20171a901ce5`. Confidence: reported (aggregated from official California legislature records).