Your Input Matters: Mortgage Forbearance Act (AB 238)

We are pleased that Assembly Bill 238, the Mortgage Forbearance Act, has been signed into law. This law provides mortgage payment forbearance for homeowners in wildfire-affected areas for up to one year, giving families time and flexibility to recover without the immediate burden of mortgage payments.

I want to hear from you. As you navigate forbearance under AB 238, are you encountering any challenges with your lender or mortgage servicer? Your feedback will help us understand how the law is working and where additional support may be needed.

Take a moment to share your experience.

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1) Were the terms of your forbearance agreement clear and easy to understand?

Yes

Somewhat

2) Did your lender or servicer indicate that missing payments could affect your credit?

Yes

Not Applicable

3) Were you asked to provide a lump sum payment to qualify for forbearance?

Yes

Not Applicable

4) Were you asked to set up a series of payments or cascading payments as part of your forbearance?

Yes

Not Applicable

5) Did your lender or servicer respond to your requests in a timely manner (within 10 business days as required by AB 238)?

Yes

Partially

6) If your request for forbearance was denied, were the reasons clearly explained and were you given an opportunity to correct any issues?

Yes

Not Applicable

8) Have you filed a complaint with the California Department of Financial Protection and Innovation (DFPI) regarding your lender or servicer?

Yes

If yes:

B) Do you give us permission to engage with DFPI on your behalf regarding this complaint?

Yes

Thank you for helping us ensure AB 238 works effectively for all residents affected by the Los Angeles wildfires.

Your Input Matters: Mortgage Forbearance Act (AB 238)

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