2019 Updates to California’s Homeowner Bill of Rights Statutes: Are You in Compliance?


California’s Homeowner Bill of Rights statutes, with original versions enacted in 2013, were modified effective 2018 and 2019 and set forth pre-foreclosure and foreclosure servicing requirements for loan servicers. In this webinar, learn how these statutory provisions have changed and how the changes impact an organization as servicer and/or owner of residential mortgage loans. These California statutes include private rights of action for violations and are in many cases more borrower-friendly than applicable federal loan servicing statutes; therefore, they must be addressed in conjunction with the CFPB Rules to ensure compliance at the state and federal level.

Who Should Attend: Chief Credit Officer, Mortgage Loan Officer, Chief Compliance Officer, Auditor

Learning Objectives

  • Explore the statutory provisions applicable to loans during various periods since 2013
  • Discover how state statutes differ from and interact with federal loan servicing statutes
  • Learn about the new provisions recently enacted in Senate Bill 818 and how to ensure loans are serviced in a compliant manner.


Michelle A. Mierzwa
Wright, Finlay & Zak, LLP. 
Michelle Mierzwa joined WFZ’s Compliance, Licensing and Regulatory Division in 2015 and has worked with mortgage servicers to ensure their compliance with state and federal laws including, but not limited to, California and Nevada Homeowner Bill of Rights, state and federal FDCPA, RESPA, TILA, SCRA, Washington Foreclosure Fairness Act, Nevada, Oregon and Washington Foreclosure Mediation Programs, Dodd-Frank Act and CFPB Rules, state licensing laws, and governmental and regulatory agency investigations. She has served two three-year terms on the board of directors of the United Trustees Association (UTA) and is a member of the Legislative Committees of the California Mortgage Bankers Association and the UTA. Michelle monitors, proposes and analyzes new legislation affecting the industry, participates on speaking panels for national lending industry conferences, and provides education and clarification to the industry on many state and federal laws.

Webinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $249 $0
Affiliate Member $195 $0
Affiliate Nonmember $249 $0

Season Pass Members receive 4 individual logins to every webinar

Additional Info

Participants will earn 1.0 CPE credit

Field of Study: Specialized Knowledge

Prerequisites: None

Advanced Preparation: None

Program Level: Overview

Delivery Method: Group Internet Based

Refunds and Cancellations: Webinar registrations are non-refundable. If the registrant is unable to attend the designated time and date of the webinar, a playback link and any written materials will be provided within 2 business days following the conclusion of the webinar

Western Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:www.nasbaregistry.org.


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