republic-os/legislation/us/states/ca/20212022/ab-424.md

---
type: "Bill"
title: "Private Student Loan Collections Reform Act: collection actions."
description: "Existing law, the Student Loan Servicing Act, provides for the licensure, regulation, and oversight of student loan servicers by the Commissioner of Financial Protection and Innovation, who is the head of the Department of Financial Protection and Innovation. The act prohibits a person from engaging in the business of servicing a student loan in this state without a license, unless the person falls within certain exceptions."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20212022"
identifier: "AB 424"
citation: "California AB 424 (20212022)"
classification: ["bill"]
subjects: ["Private Student Loan Collections Reform Act: collection actions."]
status: "enacted"
primary_sponsors: ["Stone"]
version_count: 9
action_count: 31
vote_count: 10
first_action: "2021-02-04"
last_action: "2021-10-06"
source: "openstates"
source_identifier: "ocd-bill/29cc086e-f647-4be8-a60c-db883c8a9139"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202120220AB424"
source_hash: "5c01c760fa0878e4b6345c3857641ce606b86c62b59e3dcbcfc74fd60e6e66c1"
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 424 (20212022) — Private Student Loan Collections Reform Act: collection actions.

Existing law, the Student Loan Servicing Act, provides for the licensure, regulation, and oversight of student loan servicers by the Commissioner of Financial Protection and Innovation, who is the head of the Department of Financial Protection and Innovation. The act prohibits a person from engaging in the business of servicing a student loan in this state without a license, unless the person falls within certain exceptions.

## Version chain

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

1. **02/04/21 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42499INT)
2. **04/21/21 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42498AMD)
3. **06/14/21 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42497AMD)
4. **06/25/21 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42496AMD)
5. **07/08/21 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42495AMD)
6. **08/26/21 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42494AMD)
7. **10/06/21 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42492CHP)
8. **AB424** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202120220AB424)
9. **09/07/21 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=202120220AB424&version=20210AB42493ENR)

## Votes

- Do pass as amended and be re-referred to the Committee on [Appropriations] — **8–2** (pass) · lower
- AB 424 Stone Assembly Third Reading — **56–20** (pass) · lower
- AB 424 Stone Concurrence in Senate Amendments — **56–18** (pass) · lower
- 3rd Reading AB424 Stone et al. By Wieckowski — **31–8** (pass) · upper
- Do pass as amended — **5–2** (pass) · upper
- Do pass as amended, but first amend, and re-refer to the Committee on [Appropriations] — **9–2** (pass) · upper
- Do pass, but first be re-referred to the Committee on [Judiciary] — **7–2** (pass) · upper
- Do pass. — **12–4** (pass) · lower
- Do pass and be re-referred to the Committee on [Judiciary] — **9–3** (pass) · lower
- Placed on suspense file — **7–0** (pass) · upper

## Sponsors

- Stone — primary (person)
- Bauer-Kahan — coauthor (person)
- Boerner Horvath — coauthor (person)
- Carrillo — coauthor (person)
- Chiu — coauthor (person)
- Friedman — coauthor (person)
- Hertzberg — coauthor (person)
- Kalra — coauthor (person)
- Limón — coauthor (person)
- Robert Rivas — coauthor (person)
- Skinner — coauthor (person)
- Wicks — coauthor (person)
- Wieckowski — coauthor (person)
- Wiener — coauthor (person)

## Timeline

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

- **2021-02-04** Read first time. To print. `reading-1`
- **2021-02-05** From printer. May be heard in committee March 7.
- **2021-02-12** Referred to Coms. on B. & F. and JUD. `referral-committee`
- **2021-04-08** Assembly Rule 56 suspended. (Page 924.)
- **2021-04-08** (pending re-refer to Com. on JUD.)
- **2021-04-19** From committee: Do pass and re-refer to Com. on JUD. (Ayes 9. Noes 3.) (April 15). Re-referred to Com. on JUD. `committee-passage, committee-passage-favorable, referral-committee`
- **2021-04-20** From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 8. Noes 2.) (April 20). `amendment-introduction, amendment-passage, committee-passage, referral-committee`
- **2021-04-21** Read second time and amended. `amendment-passage, reading-1, reading-2`
- **2021-04-22** Re-referred to Com. on APPR. `referral-committee`
- **2021-05-05** In committee: Set, first hearing. Referred to APPR. suspense file. `referral-committee`
- **2021-05-20** From committee: Do pass. (Ayes 12. Noes 4.) (May 20). `committee-passage, committee-passage-favorable`
- **2021-05-24** Read second time. Ordered to third reading. `reading-1, reading-2`
- **2021-05-27** Read third time. Passed. Ordered to the Senate. (Ayes 56. Noes 20. Page 1629.) `passage, reading-1, reading-3`
- **2021-05-28** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2021-06-09** Referred to Coms. on B. & F.I., JUD. and APPR. `referral-committee`
- **2021-06-14** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on B. & F.I. `amendment-introduction, amendment-passage, reading-1, reading-2, referral-committee`
- **2021-06-23** From committee: Do pass and re-refer to Com. on JUD. (Ayes 7. Noes 2.) (June 23). Re-referred to Com. on JUD. `committee-passage, committee-passage-favorable, referral-committee`
- **2021-06-25** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on JUD. `amendment-introduction, amendment-passage, reading-1, reading-2, referral-committee`
- **2021-07-07** From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 9. Noes 2.) (July 6). `amendment-introduction, amendment-passage, committee-passage, referral-committee`
- **2021-07-08** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-1, reading-2, referral-committee`
- **2021-08-16** In committee: Referred to suspense file. `referral-committee`
- **2021-08-26** From committee: Amend, and do pass as amended. (Ayes 5. Noes 2.) (August 26). `amendment-introduction, amendment-passage, committee-passage`
- **2021-08-26** Read second time and amended. Ordered returned to second reading. `amendment-passage, reading-1, reading-2`
- **2021-08-30** Read second time. Ordered to third reading. `reading-1, reading-2`
- **2021-09-01** Read third time. Passed. Ordered to the Assembly. (Ayes 31. Noes 8. Page 2297.). `passage, reading-1, reading-3`
- **2021-09-01** In Assembly. Concurrence in Senate amendments pending. May be considered on or after September 3 pursuant to Assembly Rule 77.
- **2021-09-02** Assembly Rule 77 suspended. (Ayes 57. Noes 14. Page 2703.)
- **2021-09-02** Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 56. Noes 18. Page 2706.). `amendment-passage, committee-passage-favorable`
- **2021-09-10** Enrolled and presented to the Governor at 4 p.m.
- **2021-10-06** Approved by the Governor. `executive-signature`
- **2021-10-06** Chaptered by Secretary of State - Chapter 559, Statutes of 2021. `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/29cc086e-f647-4be8-a60c-db883c8a9139`. Confidence: reported (aggregated from official California legislature records).