AB-1427 • 2026

Consumer credit report: sale of property: natural disasters.

Healthcare

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Calderon
Last action: 2025-06-18
Official status: Referred to Coms. on JUD. and B. & F.I.
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Consumer credit report: sale of property: natural disasters.

AB 1427, as amended, Calderon.

What This Bill Does

AB 1427, as amended, Calderon.
Consumer credit report: sale of property: wildfires.
natural disasters.
Existing law, the Consumer Credit Reporting Agencies Act, defines and regulates consumer credit reports and consumer credit reporting agencies.

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2025-06-18 California Legislative Information
Referred to Coms. on JUD. and B. & F.I.
2025-06-04 California Legislative Information
In Senate. Read first time. To Com. on RLS. for assignment.
2025-06-03 California Legislative Information
Read third time. Passed. Ordered to the Senate. (Ayes 76. Noes 0. Page 1996.)
2025-05-27 California Legislative Information
Read second time. Ordered to third reading.
2025-05-23 California Legislative Information
From committee: Do pass. (Ayes 12. Noes 0.) (May 23).
2025-05-14 California Legislative Information
In committee: Set, first hearing. Referred to APPR. suspense file.
2025-05-08 California Legislative Information
Re-referred to Com. on APPR.
2025-05-07 California Legislative Information
Read second time and amended.
2025-05-06 California Legislative Information
From committee: Amend, and do pass as amended and re-refer to Com. on APPR. (Ayes 11. Noes 0.) (May 6).
2025-04-01 California Legislative Information
Re-referred to Com. on JUD.
2025-03-28 California Legislative Information
From committee chair, with author's amendments: Amend, and re-refer to Com. on JUD. Read second time and amended.
2025-03-28 California Legislative Information
Referred to Com. on JUD.
2025-02-24 California Legislative Information
Read first time.
2025-02-22 California Legislative Information
From printer. May be heard in committee March 24.
2025-02-21 California Legislative Information
Introduced. To print.

Official Summary Text

AB 1427, as amended, Calderon.
Consumer credit report: sale of property:
wildfires.
natural disasters.
Existing law, the Consumer Credit Reporting Agencies Act, defines and regulates consumer credit reports and consumer credit reporting agencies. The act prohibits a consumer credit reporting agency from making any consumer credit report containing specified items of information, including information about medical debt, as defined. Existing law prohibits a person who uses a consumer credit report in connection with a credit transaction from using medical debt listed on the report as a negative factor when making a credit decision.
This bill would prohibit a consumer credit reporting agency from making a consumer credit report containing information about the sale of property that is located in an area where the Governor has proclaimed a state of emergency due to a
wildfire on or after January 7, 2025,
natural disaster
and the property is
damaged beyond repair
rendered uninhabitable
as a result of the
wildfire.
natural disaster.
The bill would prohibit a person who uses a consumer credit report in connection with a credit transaction from using the sale of an aforementioned property listed on the report as a negative factor when making a credit decision.

Current Bill Text

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