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SB 784CALIFORNIASession 20252026

High Impact

California SB 784 extends home improvement loan cancellation periods and mandates lender disclosures

Original title: Home improvement loans: right to cancel contracts.

August 13, 2026

Consumer Protection Home Improvement Loans Contract Law Homeimprovementloans righttocancelcontracts

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The Frame

What this does

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 is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

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.

What changed

Last recorded activity August 13, 2026.

What's next

Introduced.

Summary

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.

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.

Why It Matters

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.

Frequently Asked Questions

How much time do I have to cancel a home improvement contract under this bill?

If passed, you would have 5 business days to cancel a standard contract, or 7 business days if you are a senior citizen.

What must a lender do before I sign a home improvement loan contract?

The lender must obtain oral confirmation of key loan terms and provide specific information to you as the consumer.

News Coverage

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Related Legislation

State Bill