The civic record
Read. Follow. Verify.California SB 784 extends home improvement loan cancellation periods and mandates lender disclosures
Record date · August 13, 2026
Track this bill to get notified when it advances a stage. One tap to stop, anytime.
What This Bill Would Do
This bill extends the consumer right to cancel home improvement contracts from three days to five days, and from five days to seven days for senior citizens, effective January 1, 2026. It also mandates that lenders obtain oral confirmation of loan terms and provide specific information to consumers before a contract is executed.
Homeowners will have more time to reconsider home improvement financing agreements, while lenders face new requirements to verify loan terms and provide information before a contract becomes binding.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Homeowners
They gain additional time to cancel home improvement contracts and receive more information from lenders.
Senior citizens
They receive an extended 7-day window to cancel home improvement contracts.
Home improvement lenders
They must implement new disclosure procedures and oral confirmation requirements before contracts can be executed.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
How much time do I have to cancel a home improvement contract under this bill?
What must a lender do before I sign a home improvement loan contract?
What else do you want to know?
News Coverage
Follow the record
Votes, people, money & the original sourceWhere This Stands
Currently filed. The next step in the legislative lifecycle is Committee.
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Expansion of Consumer Cooling-off Periods
The bill represents a clear legislative trend toward increasing the 'cooling-off' period for high-stakes home improvement financing.
Connected Entities
Sources
openstates.org
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy20Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz15Current news / social attention level
Publisher tools