AB 1847 and AB 1842 Extend Wildfire Homeowner Mortgage Relief to 36 Months, Effective Feb 14, 2026

Assemblymember John Harabedian (D-Pasadena) introduces AB 1847 and AB 1842 to extend mortgage relief for L.A. wildfire survivors. AB 1847 triples AB 238 relief from 12 to 36 months, allowing repayment via loan deferrals rather than lump sums, with applications due by Jan 7, 2029. AB 1842 creates a statewide emergency relief framework, requiring servicers to monthly report DFPI on requests and allowing borrowers to sue for violations. The legislation aligns with the multi-year rebuilding timeline following the 2023 fires that killed at least 31 and damaged or destroyed over 18,000 homes. DFPI has resolved 92% of 233 AB 238 complaints, but enforcement actions remain pending. Effective immediately, the AB 238 amendments seek to provide flexibility in forbearance repayment and prohibit late fees, foreclosures, and negative credit reporting, addressing gaps in compliance highlighted by survivors.