California Assembly Bills Brown Lawns (AB 1)..............................5
Transfer on Death Deed (AB 139)...............6
California Senate Bills Real Estate Team Names (SB 146)............28
Broker Continuing Education (AB 345).......10
Mobile Home Injunctions (SB 244)...........29
Victims Terminate Lease (AB 418)..............12
Special Tax Exemptions (SB 371)..............31
Insurance Discrimination (AB 447)............16
Mold & Habitation (SB 655)..................33
Artificial Turf (AB 349)..........................11
Pesticide Notices (SB 328)....................30
Court’s Electronic Signature (AB 432)........15
Threshold Brokers (SB 647)....................32
Off-Street Parking (AB 451)....................17
Hosting Platform Notice (SB 761).............34
County Recording Fees (AB 661)..............19
Resource Index....................36
FHA & VA Disclosures (AB 596).................18
Energy Use Disclosure (AB 802)...............21 Ordinances on Website (AB 823).............22
Time-Share Disclosures (AB 905).............23
Ride Share Parking (AB 1015).................24 Drought Landscape (AB 1164)................25
Clotheslines & Dry Racks (AB 1448)..........26 Client Info Security (AB 1541).................27
AB 1
Cities and counties are prohibited from imposing fines for brown lawns during the California drought state of emergency
IMPACTS: HOA Homeowners Government Entities
Many California cities have ordinances about “lawn maintenance� that specify the condition in which homeowners must keep their lawns. Violations of these ordinances usually result in a fine, which cities and counties can collect and enforce under normal circumstances.
On January 17, 2014, California Governor Jerry Brown declared a state of emergency for the entire state of California, under the California Emergency Services Act. This declaration proclaimed that state officials should take all necessary actions in order to prepare for drought conditions. Since that declaration, a number of other executive orders have been passed to curb the impacts of drought, including an order for the State Water Resources Control Board to achieve a 25% statewide reduction in potable urban water usage. Over the past year, homeowners and homeowner associations have taken steps to conserve water usage, such as switching to droughtresistant landscaping, issuing bans on lawn watering, and encouraging water conservation efforts. For aesthetic reasons, many cities and counties have laws that penalize property owners for failing to water their lawns or for having a brown lawn under normal circumstances. However, the severity of the drought has brought these ordinances in conflict with water conservation efforts, where California residents were being fined for not watering their lawns. This bill temporarily prohibits a city or county from imposing a fine under such ordinances – for failure to water a lawn or having a brown lawn during a period for which the Governor has issued a proclamation of a state of emergency based on drought conditions.
5
The revocable Transfer on Death deed is a new tool that can be used to transfer property upon death, without probate
AB 139 IMPACTS: Homeowners
Existing law provides that a person may pass real property to a beneficiary at death by various methods – including by will, by intestate succession, by trust, and by titling the property in joint tenancy or community property with right of survivorship. This law will, until January 1, 2021, create the “revocable transfer on death deed” which allows the transfer of real property upon the death of its owner without a probate proceeding, based on specified rules. The deed has no effect until a person dies, and can be revoked at any time. This law only applies to residential one- to four-unit properties, condominiums, and single tract agricultural land (40 acres or less) improved with a single-family residence. The revocable TOD deed must be signed, dated, and acknowledged before a notary public, and must be recorded within 60 days after execution. During the owner’s life, the deed does not affect his or her ownership rights, and is considered part of the owner’s estate for the purpose of Medi-Cal eligibility and reimbursement. There are three different ways to revoke a Transfer on Death (TOD) deed: 1. Complete, notarize, and record a revocation form (see page 9 for sample); 2. Create, notarize, and record a new TOD; 3. Sell or give away the property, or transfer it to a trust, before your death and record the deed. A TOD deed cannot be revoked by will. The new law sates a revocable TOD deed may become void if, at the time of the owner’s death, the property is titled in joint tenancy or as community property with right of survivorship. This law also establishes a process for contesting the transfer of real property by a revocable TOD deed. Every TOD must be accompanied by a standard FAQ form (pages 7-8).
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COMMON QUESTIONS ABOUT REVOCABLE TOD DEED
THE REVOCABLE
TRANSFER ON DEATH DEED
WHAT DOES THE TOD DEED DO? When you die, the identified property will transfer to your named beneficiary without probate. The TOD deed has no effect until you die. You can revoke it at any time. CAN I USE THIS DEED TO TRANSFER BUSINESS PROPERTY? This deed can only be used to transfer (1) a parcel of property that contains one to four residential dwelling units, (2) a condominium unit, or (3) a parcel of agricultural land of 40 acres or less, which contains a single-family residence. HOW DO I USE THE TOD DEED? Complete this form. Have it notarized. RECORD the form in the county where the property is located. The form MUST be recorded on or before 60 days after the date you sign it or the deed has no effect. IS THE “LEGAL DESCRIPTION” OF THE PROPERTY NECESSARY? Yes. HOW DO I FIND THE “LEGAL DESCRIPTION” OF THE PROPERTY? This information may be on the deed you received when you became an owner of the property. This information may also be available in the office of the county recorder for the county where the property is located. If you are not absolutely sure, consult an attorney. HOW DO I “RECORD” THE FORM? Take the completed and notarized form to the county recorder for the county in which the property is located. Follow the instructions given by the county recorder to make the form part of the official property records. WHAT IF I SHARE OWNERSHIP OF THE PROPERTY? This form only transfers YOUR share of the property. If a co-owner also wants to name a TOD beneficiary, that co-owner must complete and RECORD a separate form. CAN I REVOKE THE TOD DEED IF I CHANGE MY MIND? Yes. You may revoke the TOD deed at any time. No one, including your beneficiary, can prevent you from revoking the deed. HOW DO I REVOKE THE TOD DEED? There are three ways to revoke a recorded TOD deed: (1) Complete, have notarized, and RECORD a revocation form. (2) Create, have notarized, and RECORD a new TOD deed. (3) Sell or give away the property, or transfer it to a trust, before your death and RECORD the deed. A TOD deed can only affect property that you own when you die. A TOD deed cannot be revoked by will. CAN I REVOKE A TOD DEED BY CREATING A NEW DOCUMENT THAT DISPOSES OF THE PROPERTY (FOR EXAMPLE, BY CREATING A NEW TOD DEED OR BY ASSIGNING THE PROPERTY TO A TRUST)? Yes, but only if the new document is RECORDED. To avoid any doubt, you may wish to RECORD a TOD deed revocation form before creating the new instrument. A TOD deed cannot be revoked by will, or by purporting to leave the subject property to anyone via will. IF I SELL OR GIVE AWAY THE PROPERTY DESCRIBED IN A TOD DEED, WHAT HAPPENS WHEN I DIE? If the deed or other document used to transfer your property is RECORDED before your death, the TOD deed will have no effect. If the transfer document is not RECORDED before your death, the TOD deed will take effect. I AM BEING PRESSURED TO COMPLETE THIS FORM. WHAT SHOULD I DO? Do NOT complete this form unless you freely choose to do so. If you are being pressured to dispose of your property in a way that you do not want, you may want to alert a family member, friend, the district attorney, or a senior service agency.
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THE REVOCABLE
TRANSFER ON DEATH DEED
COMMON QUESTIONS (CONTINUED)
DO I NEED TO TELL MY BENEFICIARY ABOUT THE TOD DEED? No. But secrecy can cause later complications and might make it easier for others to commit fraud. WHAT DOES MY BENEFICIARY NEED TO DO WHEN I DIE? Your beneficiary must RECORD evidence of your death (Prob. Code § 210), and file a change in ownership notice (Rev. & Tax. Code § 480). If you received Medi-Cal benefits, your beneficiary must notify the State Department of Health Care Services of your death and provide a copy of your death certificate (Prob. Code § 215). WHAT IF I NAME MORE THAN ONE BENEFICIARY? Your beneficiaries will become co-owners in equal shares as tenants in common. If you want a different result, you should not use this form. HOW DO I NAME BENEFICIARIES? You MUST name your beneficiaries individually, using each beneficiary’s FULL name. You MAY NOT use general terms to describe beneficiaries, such as “my children.” For each beneficiary that you name, you should briefly state that person’s relationship to you (for example, my spouse, my son, my daughter, my friend, etc.). WHAT IF A BENEFICIARY DIES BEFORE I DO? If all beneficiaries die before you, the TOD deed has no effect. If a beneficiary dies before you, but other beneficiaries survive you, the share of the deceased beneficiary will be divided equally between the surviving beneficiaries. If that is not the result you want, you should not use the TOD deed. WHAT IS THE EFFECT OF A TOD DEED ON PROPERTY THAT I OWN AS JOINT TENANCY OR COMMUNITY PROPERTY WITH RIGHT OF SURVIVORSHIP? If you are the first joint tenant or spouse to die, the deed is VOID and has no effect. The property transfers to your joint tenant or surviving spouse and not according to this deed. If you are the last joint tenant or spouse to die, the deed takes effect and controls the ownership of your property when you die. If you do not want these results, do not use this form. The deed does NOT transfer the share of a co-owner of the property. Any co-owner who wants to name a TOD beneficiary must complete and RECORD a SEPARATE deed. CAN I ADD OTHER CONDITIONS ON THE FORM? No. If you do, your beneficiary may need to go to court to clear title. IS PROPERTY TRANSFERRED BY THE TOD DEED SUBJECT TO MY DEBTS? Yes. DOES THE TOD DEED HELP ME TO AVOID GIFT AND ESTATE TAXES? No. HOW DOES THE TOD DEED AFFECT PROPERTY TAXES? The TOD deed has no effect on your property taxes until your death. At that time, property tax law applies as it would to any other change of ownership. DOES THE TOD DEED AFFECT MY ELIGIBILITY FOR MEDI-CAL? No. AFTER MY DEATH, WILL MY HOME BE LIABLE FOR REIMBURSEMENT OF THE STATE FOR MEDI-CAL EXPENDITURES? Your home may be liable for reimbursement. If you have questions, you should consult an attorney. THIS COMMON QUESTION FORM MUST BE INCLUDED WITH THE FORM ESTABLISHING A REVOCABLE TRANSFER ON DEATH DEED
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Revocation of TOD Deed
FORM
California Probate Code Section 5600 Recording Requested By:
***We highly recommend you consult with your estate planning attorney before considering a revocable Transfer on Death Deed***
When Recorded Mail This Deed To Name: Address: Assessor’s Parcel Number:
This deed revocation is exempt from documentary transfer tax under Rev. & Tax. Code §11930. This deed revocation is exempt from preliminary change of ownership report under Rev. & Tax. Code § 480.3. IMPORTANT NOTICE: THIS FORM MUST BE RECORDED TO BE EFFECTIVE This revocation form MUST be RECORDED before your death or it will not be effective. This revocation form only affects a transfer on death deed that YOU made. A transfer on death deed made by a co-owner of your property is not affected by this revocation form. A co-owner who wants to revoke a transfer on death deed that he/she made must complete and RECORD a SEPARATE revocation form. PROPERTY DESCRIPTION Print the legal description of the property affected by this revocation: REVOCATION I revoke any TOD deed to transfer the described property that I executed before executing this form. SIGNATURE AND DATE Sign and print your name below (your name should exactly match the name shown on your title documents): Signature: ___________________
Date:_________________
ACKNOWLEDGMENT OF NOTARY A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of California, County of _________. On ___________________________ before me, (here insert name and title of the officer), personally appeared ___________________________, who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. Signature ___________________________ (Seal)
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Brokers must now take continuing education in management and supervision of licensed activities
AB 345 IMPACTS:
Licensed real estate salespersons must be supervised by a licensed broker. Currently, real estate brokers licensed by the California Bureau of Real Estate are required to take 45 hours of continuing education as a prerequisite for renewing a broker’s license, which must occur every 4 years.
REALTORS® BROKERS
When a real estate salesperson or broker makes a professional mistake, they are reprimanded for their behavior, or lack thereof. According to the California Bureau of Real Estate (CalBRE), one of the most common violations resulting in disciplinary action is the lack of broker supervision. While brokers are required to exercise reasonable supervision over the activities of salespersons, they have not previously been required to take continuing education courses on supervision. As part of the 45-hour requirement for continuing education, there are certain courses that are specifically required, such as a course on ethics, fair housing, trust fund accounting, and risk management. The rest of the courses to reach the 45-hour requirement are elective courses. This new law adds a new 3-hour mandatory course requirement – on the subject of management of real estate offices and supervision of real estate licensed activities. When a new salesperson is added to a brokerage firm, the broker accepts responsibility for the licensee and notifies CalBRE of this supervisory arrangement. Since brokers can be held responsible for the behavior of salespersons, this law seeks to reduce the prevalence and recidivism of supervision violations.
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AB 349
HOAs cannot prohibit homeowners from installing artificial turf or require homeowners to remove water-efficient landscaping after the state of emergency ends
IMPACTS: HOA Homeowners Landlords & Tenants Buyers & Sellers REALTORSÂŽ
The governing documents of a common interest development (CID) cannot prohibit a homeowner from installing droughtresistant landscaping. However, an HOA could currently prevent homeowners from installing artificial turf or synthetic grass.
In 2015, California was in the midst of a historic drought, with the lowest snowpack levels ever recorded. Governor Jerry Brown declared a state of emergency because of drought for the first time in California history, after which followed numerous executive orders and changes in the law aimed at water conservation. Some of these efforts involved addressing residential water use for landscaping. Homeowners that live in a common interest development (CID) are subject to the provisions in the covenants, conditions, and restrictions (CCRs) that are established by the homeowner’s association (HOA) governing body. Before the 2015 drought, many CIDs had provisions that prohibited homeowners from installing drought-tolerant landscaping. After the state of emergency, laws were passed that made landscaping guidelines void and unenforceable if they prohibited drought-resistant or low-water-using plants. In effect, an HOA could not stop a homeowner from installing water-efficient landscaping, but they could establish reasonable restrictions about the type. This bill, AB 349, extends the law to include artificial turf and synthetic grass, whereby a HOA cannot make guidelines or policies that prohibit the use of artificial turf or synthetic grass. Any provision of a governing document or landscaping guideline that prohibits artificial turf is now void and unenforceable.
11
Landlords are now required to allow victims of domestic assault to terminate their lease upon appropriate notice
AB 418 IMPACTS:
Existing law allows victims of violent crime, with proper notice, to terminate their lease without penalty. These protections require a tenant statement and an order or report from a qualified third party. Tenants must pay for rent 30 days after providing notice. The law has a sunset date of Jan. 1, 2016.
Landlords Tenants
When a person is victimized by violent crime, such as domestic violence, sexual assault, human trafficking, stalking, or elder abuse, they face numerous challenges on the road to survival and recovery. Separating from their abuser, for example, may seem simple in theory, but the specifics of changing phone numbers, moving addresses, separating bank accounts, etc. are incredibly burdensome – especially given the emotional, psychological, and physical impacts of abuse. For victims who live in a rental property and are bound by a long-term lease, they need a swift escape from a dangerous environment. In 2008, AB 2052 was passed to allow a tenant to terminate his or her lease within 60 days of the issuance of a temporary restraining order, emergency protective order, or written report by a peace officer. In 2011, another law was passed (AB 588) that increased the timeframe from 60 days to 180 days. SB 1403 was passed in 2012 to extend protection to victims of elder abuse and SB 612 was passed in 2013 to extend these protections to victims of human trafficking. These laws provided that documentation from a qualified professional third party could support a notice to terminate a tenancy, but there was a sunset date for these provisions to expire on January 1, 2016. What AB 418 does is extend these victim-protecting provisions indefinitely. This law also modifies the obligation for the victim-tenant to pay rent by reducing the timeframe in which a tenant must pay rent after providing notice to terminate tenancy. Previously, the timeframe was 30 days, but this bill changes that time to 14 days. So, the tenant is responsible for paying rent for no more than 14 calendar days after providing notice, and is thereafter released (without penalty) from any further obligation to pay rent.
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California Civil Code Section 1946.7
Sample Tenant Statement and Qualified Third -Party Statement
Part I. Statement By Tenant I, [insert name of tenant], state as follows: I, or a member of my household, have been a victim of: [insert one or more of the following: domestic violence, sexual assault, stalking, human trafficking, elder abuse, or dependent adult abuse.] The most recent incident(s) happened on or about: [insert date or dates.] The incident(s) was/were committed by the following person(s), with these physical description(s), if known and safe to provide: [if known and safe to provide, insert name(s) and physical description(s).] Signature: ___________________ Date:_________________
Part II. Qualified Third Party Statement I, [insert name of qualified third party], state as follows: My business address and phone number are: [insert business address and phone number.] Check and complete one of the following: ____I meet the requirements for a sexual assault counselor provided in Section 1035.2 of the Evidence Code and I am either engaged in an office, hospital, institution, or center commonly known as a rape crisis center described in that section or employed by an organization providing the programs specified in Section 13835.2 of the Penal Code. ____I meet the requirements for a domestic violence counselor provided in Section 1037.1 of the Evidence Code and I am employed, whether financially compensated or not, by a domestic violence victim service organization, as defined in that section. ____I meet the requirements for a human trafficking caseworker provided in Section 1038.2 of the Evidence Code and I am employed, whether financially compensated or not, by an organization that provides programs specified in Section 18294 of the Welfare and Institutions Code or in Section 13835.2 of the Penal Code. ____I am licensed by the State of California as a: [insert one of the following: physician and surgeon, osteopathic physician and surgeon, registered nurse, psychiatrist, psychologist, licensed clinical social worker, licensed marriage and family therapist, or licensed professional clinical counselor.] and I am licensed by, and my license number is: ________________ The person who signed the Statement By Tenant above stated to me that he or she, or a member of his or her household, is a victim of: [insert one or more of the following: domestic violence, sexual assault, stalking, human trafficking, elder abuse, or dependent adult abuse.] The person further stated to me the incident(s) occurred on or about the date(s) stated above. I understand that the person who made the Statement By Tenant may use this document as a basis for terminating a lease with the person’s landlord. Signature: ___________________ Date:_________________
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Notice to Terminate Tenancy
FAQ
For Victims of Violent Crime
WHAT DOCUMENTS ARE REQUIRED FOR GIVING NOTICE TO TERMINATE TENANCY? 1. You must include a TENANT STATEMENT FORM (see page 13 for a sample) 2. You must also attach ONE of the following: A copy of a temporary restraining order, emergency protective order, or protective order lawfully issued OR A copy of a written report by a peace officer employed by a state or local law enforcement agency, in his or her official capacity, stating that the tenant or household member has filed a report alleging abuse OR Documentation from a qualified third party based on information received by that third party while acting in his or her professional capacity WHAT KINDS OF CRIME ARE ADDRESSED BY THIS ACT? Victims of domestic violence, sexual assault, stalking, human trafficking, and elder abuse are protected. DOES THE VICTIM-TENANT STILL HAVE TO PAY RENT? Once notice to terminate the tenancy is successfully provided to the landlord, the tenant is responsible for paying rent for no more than 14 calendar days after notice has been given. HOW MUCH TIME DOES A TENANT HAVE TO GIVE NOTICE AFTER AN ORDER IS ISSUED? Once an order has been issued, such as a restraining order or protective order, the victim has 180 days from the date of the order or the written report in order to file a Notice to Terminate Tenancy. ARE THERE ANY PENALTIES FOR TERMINATING TENANCY IN THIS WAY? Tenants who terminate their lease under this act are released from all obligations for rent payment, without penalty. WHAT ABOUT SECURITY DEPOSITS? Existing law governing security deposits applies to these types of terminations, and thus a landlord may use a tenant’s security deposit to compensate for a tenant’s default in the payment of rent.
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AB 432
An electronic signature by a court or judicial officer is now just as effective as an original signature
IMPACTS: HOA Homeowners Landlords & Tenants Buyers & Sellers REALTORSÂŽ
While the Code of Civil Procedure has been updated to establish rules and procedures for electronic documents, there is no existing definition of electronic signatures for courts. There are many statutes that require a signature, and thus an electronic signature could be considered invalid.
With the rise of the internet and the advancement in digital technology and big data, California is continually modifying the statutes on digital communications to keep up with the changes. The laws have already been changed to allow for electronic filing of court documents and for electronic signatures on private contracts. However, the rules regarding electronic signatures in the Code of Civil Procedure are inconsistent with the Rules of Court, which require that the signing party retain a signed, original copy of a document filed electronically. Previous laws have required the Judicial Council to establish rules and procedures for electronic signatures for court documents, orders, and notices, but there has never been an explicit and codified law affirming that an electronic signature is permitted by law. This bill creates a definition for the term “electronic signature� for the purposes of the Code of Civil Procedure. The bill borrows from existing definitions under California law in other branches of government. Additionally, this new law establishes that an electronic signature by a court or judicial officer is just as effective as an original signature.
15
Property insurers may not discriminate on the basis of level of income or for receipt of government assistance
AB 447 IMPACTS:
Insurers cannot discriminate on the basis of sex, race, color, religion, ancestry, national origin, disability, marital status, or sexual orientation when accepting applications for or issuing policies of property insurance or for charging a higher rate, premium, or insurance charge.
Landlords Tenants
Prohibitions are already in place that prevent insurance companies from discriminating on the basis of sex, race, color, religion, ancestry, national origin, disability, medical condition, genetic information, marital status, or sexual orientation. These characteristics cannot be used as a condition to justify a higher rate, premium, or charge for insurance, and applications for insurance cannot collect information that would identify such characteristics about an applicant. However, no prohibition currently exists on level of income. With the rents in California skyrocketing far in excess of national averages, low-income families have limited choices for finding affordable housing. Section 8 is one federal program for assisting low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing. Participants apply for a voucher and, once approved, are free to choose any housing that meets certain requirements. The voucher is paid directly to the landlord. Recently, some insurance providers were denying insurance policy renewals for landlords who have tenants using Section 8 benefits. One company in particular was refusing to offer apartment policy products to owners of subsidized, public, or government funded complexes, claiming that these kinds of properties present unknown, complex, or higher risk exposures. This discriminatory practice was struck down by AB 447, which adds “level or source of income” and “receipt of government assistance” as characteristics by which insurers cannot discriminate. This new law explicitly prohibits insurers from failing or refusing to accept an application for insurance, issue a policy, or cancel a policy based on these two income conditions. Additionally, the insurance forms used cannot seek to collect information pertaining to an applicant’s income level or public assistance status. This includes applications for an insurance policy and investigation reports for determining the insurability of an applicant.
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AB 451
Private owners of off-street parking facilities may regulate unauthorized parking
IMPACTS: Landowners Governmental Entities
Current law allows a city or county to pass a resolution or ordinance stating that privately-owned, off-street parking facilities within a city or county may provide public parking. Upon passage of such an ordinance, private parking facilities would become regulated by local traffic laws.
Most parking lots in California are privately owned, and while most cities have authorized private parking lot operators to regulate their lots and enforce parking violations, there is currently no state law that allows cities or counties to authorize operators to regulate unauthorized parking. The need for this law came about after a 2011 opinion from the Attorney General stated that issuing citations and parking violations was strictly a municipal function and required an express authorization from the Legislature. A class action lawsuit against the City of Walnut Creek followed shortly after, and the Superior Court of Contra Costa handed down a decision in that case that conflicted with the Attorney General’s opinion. This law offers clarity as to the ability of cities and counties to authorize private parking facility owners to regulate unauthorized parking. As part of this bill, the owner or operator of a privately owned and maintained parking facility must include, with any parking fee invoice, instructions on how to contest a parking violation. At each entrance to the facility, a notice must be posted that parking violators may be ticketed and fined. Additionally, the law prohibits private owners of parking facilities from filing a notice with the Department of Motor Vehicles (DMV) – effectively prohibiting parking facility owners from placing a DMV hold on the licenses of parking violators. This law states a number of responsibilities that an owner or operator of a private parking facility must follow, should the city or county authorize them to regulate unauthorized parking, including the requirement for dispute resolution procedures, caps on parking invoice fees, and measures preventing the private parking owner from representing itself as a government enforcement agency.
17
Effective July 1, 2016, the annual budget report of a condominium project must indicate status as a FHA-approved or VAapproved project
AB 596 IMPACTS:
Common interest developments, or CIDs, are regulated by the Davis-Stirling Act. Existing law requires the governing homeowner association (HOA) to publish an annual budget report. Currently, an HOA is not required to report status as VA-approved or FHA-approved condominium project.
HOA REALTORS® Buyers & Sellers
The Federal Housing Administration (FHA) offers loans to help people with less-than-stellar credit become homeowners. These loans often require a lower down payment than traditional loans, and the mortgage is insured by the FHA, in case of default. This option is popular with first-time homebuyers, but for the FHAinsured loan to be approved for a condominium purchase (a popular option in California), the entire condominium project must meet specific FHA criteria. Similarly, the Veterans Administration (VA) offers eligible American veterans, or their spouses, the opportunity to purchase a home with no down payment and low interest rates. Applicants for a VA loan will apply to private lenders, and the VA guarantees the loan when it is closed, up to a certain amount. To use a VA-guaranteed loan to purchase a condominium, the HOA must be certified and must meet similar requirements as those required by the FHA. This law, AB 596, makes it mandatory for an HOA to state the status of the CID as a FHA-approved and VA-approved project. A statement must be made in the annual budget on a separate piece of paper – requiring one page to report the status as a FHA-approved project and a separate page to report status as a VA-certified condominium project. This law makes it the responsibility of the HOA to indicate it has status, where historically that information was communicated by REALTORS®, mortgage brokers, and sellers.
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AB 661
County recording fees do not, in fact, apply to real estate instruments subject to a documentary transfer tax, such as in the sale of real property
IMPACTS: HOA Homeowners Buyers & Sellers REALTORS®
The Board of Supervisors for a county may adopt a fee of up to $10 for each recording of a real estate instrument, which excludes a deed, instrument, or writing recorded in connection with a transfer subject to a documentary transfer tax.
Current law allows counties to collect fees on recorded documents in order to fund the Real Estate Fraud Prosecution Trust Fund. These fees are used for the purposes of deterring, investigating, and prosecuting real estate fraud crimes, with a special emphasis on fraud against those in danger of foreclosure. The existing law exempts certain documents from this fee. The exemption is currently written as “any deed, instrument, or writing recorded in connection with a transfer subject to the imposition of a documentary transfer tax”. In essence, the law seeks to exempt documents used for the sale of real property from the fee. However, the language of “in connection with” was unclear as to what documents are exempt from the fee, sparking some confusion. The new law expands the text of the law to better reflect the legislative intent. The new law states that the fee shall not apply to any real estate instrument, paper, or notice if any of the following apply: 1. Real estate instrument, paper, or notice is accompanied by a declaration stating that the transfer is subject to a documentary transfer tax; 2. Real estate instrument, paper, or notice is recorded concurrently with a document subject to a documentary transfer tax; 3. Real estate instrument, paper, or notice is presented for recording within the same business day as, and is related to the recording of, a document subject to a documentary transfer tax
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When an important case is decided by the courts in California, it can have a significant impact on the way in which real estate is conducted. Our attorneys stay on the forefront of these decisions, in the same way that our firm keeps on top of new laws passed in California. In addition to publishing resources for you and your clients to use, the Law Offices of Peter N. Brewer frequently writes blog articles, case alerts, and news updates – so that you can know not only what is happening, but how it impacts you. You can subscribe to our monthly e-mail newsletters by visiting our blog and signing up with your e-mail address. You will receive resources, case alerts, webinars, and articles – all for free.
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AB 802
The Energy Use Disclosure for Nonresidential Buildings is no longer required for commercial properties
IMPACTS: Landlords & Tenants Buyers & Sellers Lenders Commercial Property Owners
Existing law states that an owner or operator of a nonresidential building must disclose the ENERGY STAR® data and rating to a prospective buyer, lessee of the entire building, or lender that would finance the entire building.
The United States Environmental Protection Agency (EPA) created the ENERGY STAR® program to help businesses and individuals save money and protect the environment. Commercial building owners use third-party professionals to achieve ratings, and use the Portfolio Manager to report data back to the EPA. This new law makes a number of changes to the California Energy Resources Conservation and Development Commission, particularly with respect to how forecasts and assessments are created for the purpose of developing and evaluating energy policies and programs. However, the most relevant change for the real estate community is that the new law repeals the requirement of an owner or operator to disclose United States Environmental Protection Agency’s ENERGY STAR Portfolio Manager benchmarking data and rating to a prospective buyer, lessee of the entire building, or lender that would finance the entire building. The law instead requires the Energy Commission to deliver and disclose benchmarking data of energy use for covered buildings to the commission and to the public. Beginning no later than January 1, 2017, the law requires each utility, upon the request and written authorization or secure electronic authorization of the owner, owner’s agent, or operator of a covered building, as defined, to provide aggregated energy usage data for a covered building to the owner, owner’s agent, operator, or to the owner’s account in the ENERGY STAR® Portfolio Manager, subject to specified requirements. The bill also authorizes the commission to specify additional information to be delivered by utilities for certain purposes.
21
Counties may now post proposed and adopted ordinances on their websites instead of posting hard copies in the office of the clerk of the board
AB 823 IMPACTS:
Currently, when counties are considering new ordinances, a certified copy of the full text of proposed ordinances must be posted in the office of the clerk at least 5 days before the vote by the Board of Supervisors.
Developers Attorneys HOA
In the interest of public notice and transparency, ordinances that are passed by a county Board of Supervisors in California must be posted within 15 days after passage of the ordinance, along with the names of the members who voted for and voted against the measure. To satisfy these requirements, the ordinance must be published in a county newspaper or in the Board’s chambers. In addition, a certified copy of the full text of any ordinance being considered by the Board must be posted in the office of the clerk for the Board at least 5 days before the vote takes place. The new law, after the passage of AB 823, removes the requirement that a full-text copy of the proposed ordinances, including proposed amendments to existing ordinances, adopted ordinances, and adopted amendments to existing ordinances, be posted in the office of the clerk of the Board of supervisors. Instead, this law states that a clerk shall post a copy of the full text of the ordinance or amendment on the website for the county. Under this new law, it is now much easier for developers, attorneys, brokers, and other interested parties to find important new and pending ordinances regarding land use, planning, development guidelines, real estate taxes, public easements, and other real estate-related ordinances.
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AB 905
Time-share public reports and disclosures can be delivered in digital format. Real estate agents need not provide disclosures unless property was previously occupied
IMPACTS: Brokers REALTORS® Time Share Buyers Time Share Sellers
Existing law regulates the creation and sale of time-share interests and the operation of time-share exchange programs through the Vacation Ownership and Time-share Act of 2004. Developers of time-share plans must provide a public report of the plan.
Time-shares, or vacation ownerships, are regulated by the Bureau of Real Estate (BRE), to ensure that purchasers receive everything that they bargained for when purchasing their interest. The BRE regulates timeshare interests in two basic categories: those where a right to occupancy is coupled with a conveyance of an interest in real property (via grant deed), and those based on purchase agreements without a conveyance of interest. To accomplish this oversight, the BRE requires developers to provide a purchaser with a “public report”, which gives a written overview of the property description, amenities, disclosures, costs, rescission, liability, and other relevant details about the time-share. The information presented in the public report helps the purchaser become aware of the risks involved. Under AB905, the new law allows developers and sellers of time-share interests to provide these public reports in a digital format, at the discretion of the purchaser. Also, when a purchaser buys in to a time-share plan and is provided a public report, real estate brokers and salespersons are relieved of their duty to provide the purchaser with disclosures or to conduct a visual inspection of the property. The inspection and disclosures by a broker or salesperson would be unnecessary, since the exact same information must be provided to the buyer in the public report. However, this exemption only applies to previously unoccupied time-share interests.
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Local governments may designate parking spots for the exclusive and non-exclusive use by car and ride sharing companies
AB 1015 IMPACTS: Homeowners Tenants (in Cities)
Existing law only allows local governments to designate parking spaces for the exclusive use of a car or ride sharing program.
The growth of the sharing economy has transformed many aspects of American life, and subsequently has required flexibility in the laws to accommodate innovation and progress in this new industry. In California especially, technology has revolutionized the methods of transportation available to travelers. Consumers have many options for getting a ride from one place to another, such as Uber and Lyft. In highly-compact cities such as San Francisco, finding a place to park an owned vehicle can be nearly impossible, not to mention costly. New carsharing and ride-sharing programs have emerged to address this need, where users can rent a vehicle on demand. Cars available to rent on platforms such as Zipcar and City CarShare are usually located in specific, designated spots around the city, and users simply go to the spot to pick up and drop off their rental vehicle. Existing law allows local governments to designate parking spots for the exclusive use of a car-sharing program, where certain parking spots are reserved for the sole purpose of parking rental cars. This new law makes a slight modification by allowing local governments to designate parking spots for both the exclusive and non-exclusive use of carsharing companies. This minor change was made to accommodate a new type of car-sharing service, car2go, which allows customers to drop off and pick up cars in virtually any location.
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AB 1164
Local governments are prohibited from enacting or enforcing ordinances preventing the installation of drought-tolerant landscaping on residential property
IMPACTS: HOA Homeowners Landlords & Tenants
Existing law allows local governments to make and enforce ordinances and regulations that do not conflict with general law, including rules about landscaping on residential property.
As of 2014, California has been experiencing an unprecedented drought, requiring a state of emergency declaration. As part of statewide conservation efforts to achieve a 25% reduction statewide in potable urban water usage, the Department of Water Resources (DWR) launched an initiative to replace 50 million square feet of grass lawns with drought tolerant landscapes. The program involves the DWR providing funding for lawn replacement programs in underserved communities and a Residential Turf Rebate program, which gives customer rebates for residential turf removal and replacement. Before this drought, some local governments in California adopted restrictions on synthetic grass or artificial turf – for aesthetic or regulatory reasons. To address the patchwork of rules that exists, this law prohibits cities, counties, and other local governments from enacting or enforcing any ordinance that prevents the installation of drought-tolerant landscaping. In order to present a unified water conservation effort, the law also provides funds for local governments to incentivize residents to replace their lawns with drought-tolerant landscaping. This bill took effect immediately upon passage on October 9, 2015, due to California’s current drought condition, and was passed with an urgency clause. The benefit of conserving water by installing drought-resistant landscaping was determined to outweigh municipal regulation because installing drought-tolerant landscaping, synthetic grass, or artificial turf on residential properties is a viable method for addressing longterm water conservation.
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HOAs and landlords cannot unreasonably restrict homeowners or tenants from using clotheslines or drying racks in backyards or private areas
AB 1448 IMPACTS:
Existing law allows landlords and HOAs to prevent tenants and homeowners from utilizing clotheslines and drying racks altogether. HOA rules restricting the use of a homeowner’s backyard for personal agriculture are void, unless the rules impose a reasonable restriction.
Landlords & Tenants HOA Homeowners
Existing law creates an implied covenant of quiet enjoyment for the tenant, in that only reasonable restrictions should be imposed by a landlord. HOAs are similarly bound to only limit the enjoyment of an owner’s property through reasonable restrictions. Renters and homeowners sometimes choose to use clotheslines or drying racks for drying clothes, instead of using gas or electric dryers. This law outlines the conditions under which a landlord must allow a tenant to use a clothesline or drying rack. Additionally, the law renders void any HOA provision that unreasonably prohibits an owner’s ability to use a clothesline or drying rack in the owner’s backyard. However, the law does state an HOA may establish reasonable rules for doing so.
Tenants may use a clothesline or drying rack in the tenant’s private areas so long as the following conditions are met: 1. Clothesline/drying rack will not interfere with the maintenance of the rental property 2. Clothesline/drying rack will not create a health or safety hazard, block doorways, or interfere with walkways or utility service equipment 3. Tenant seeks landlord’s consent before affixing a clothesline to a building 4. Use of the clothesline/drying rack does not violate existing reasonable time/location restrictions 5. Tenant has received approval of the clothesline/drying rack from the landlord
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AB 1541
Businesses must now protect California residents’ health insurance information and online account information
IMPACTS: California Consumers California Businesses
Existing law requires businesses to take reasonable security measures to protect personal information about a California resident from unauthorized access, modification, or disclosure. Personal information includes social security, driver’s license, and credit card numbers.
To provide effective service to clients, many businesses will maintain a database of personal information about their clients. For many services, this extends beyond the client’s name and address. In response to the recent rise of data breaches exposing sensitive client information, California has already established the Data Breach Notification Law (DBNL) and the information security law. These laws specify what constitutes personal information and also lay out the responsibilities of businesses who collect such information. Businesses that own, license, or maintain personal information about a California resident must implement and maintain reasonable security procedures and practices for protecting that information from unauthorized access, destruction, or disclosure. Under these laws, personal information includes a person’s first and last name, in connection with other unencrypted data elements, such as social security number, driver’s license number, and credit card number. AB 1541, also known as the Assembly Privacy and Consumer Protection Committee omnibus bill, makes a number of technical and non-substantial changes to the law. The most relevant of these changes is that the new law expands “personal information” to include health insurance information, and a username or email address, in combination with a password or security question and answer that would allow access to an online account. The requirements of the existing law remain the same, but the bill has expanded the definition of “personal information”. So, any business that collects health insurance or online account information about a client or customer, must protect that information.
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Real estate “team names” are not fictitious business names for purposes of any other law
SB 146 IMPACTS:
Last year, a new law (AB 2018) was passed regarding team names for licensed real estate salespersons. Under this law, licensees can represent themselves to the public as a “team” without having to file a fictitious business name statement. These names were subject to some restrictions.
Brokers REALTORS® Consumers
Before 2014, the Bureau of Real Estate (BRE) struggled to clearly define the law surrounding team identity in the real estate business. A group of real estate agents or brokers that wanted to be identified as a team or group in California – for example “The Bob Hunt Team” – previously had to file a fictitious business name with the county, by paying the fees and publishing notice in a local publication. But using these fictitious business names, or FBNs, conflicted with the BRE’s rules for disclosure in advertising. In 2014, AB 2018 resolved this branding confusion by creating rules for “team names,” which, under certain conditions, were allowed to be used instead of a FBN. This bill resolved the debate and allows for consumers to look up individual licensees who make up the team. However, as helpful as this 2014 law was, there still existed a few technical points of contention and confusion, with respect to whether a team name was the same as a fictitious business name. In 2015, SB 146 was passed, which clarifies that a team name is not a FBN and should not be considered as such for purposes of any other law. This law also changes the requirements for displaying the responsible brokers’ identity in advertising. The name and license identification number of the responsible broker must be shown in all advertising. A team name or FBN is not sufficient – the name and license number is required.
Learn More at: www.BrewerFirm.com/TeamNames
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SB 244
Mobile home park operators may file an injunction for a violation of park rules, rather than evicting residents
IMPACTS: Park Owners Mobile Home Owners
Prior to 2012, the law required petitions to enjoin continuing or recurring violations of the rules or regulations of a mobile home park to be filed as “unlimited” civil cases, incurring higher court filing fees.
Mobile home parks are an affordable way for Californians to live, especially with rent and home prices skyrocketing over the past few years. Residents of a mobile home park are governed by the rules of the park, as decided by the park owners. When a resident breaks the rules, park owners must take action to protect the quiet enjoyment of other residents. Before 2012, park owners had no way to address rule violators except to evict the disrupting residents. Eviction was previously the only course of action because, in California civil court, park owners were required to petition the court as an “unlimited” civil case in order to enjoin disruptive residents – which meant, among other things, high court filing fees. In 2012, AB 2272 was passed that allowed park owners to instead file for injunctions within the “limited” jurisdiction of the superior court. By taking this action, eviction was no longer seen as the only cost-effective legal remedy for enforcing rules against violators of the mobile home park’s rules. AB 2272 had a sunset date of January 1, 2016, but a new bill – SB 244 – eliminates the ‘sunset date’ placed on the original law. A sunset date is a provision that allows the drafting committee to revisit a bill to ensure that the bill is achieving its intended purpose. The drafting committee was cautious as to how judges in limited civil cases would react to being asked to issue injunctions concerning mobile home parks. Since AB 2272’s enactment in 2013, it appears that the bill is working as intended. The law provides an alternative remedy for park managers for violations, especially violations that are not substantial enough to result in eviction. Injunctions have been issued for conduct such as pet violations and maintenance issues, where eviction would seem to be too harsh of a penalty.
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Landlords must provide prior notice before using pesticides, if done without a licensed pest control operator
SB 328 IMPACTS: Landlords & Tenants
Existing law requires notice to be given to tenants when registered pest management professionals are scheduled to treat the property, and specifies the length, type, and contents of the notice required to be given to tenants.
The law is clear about the responsibilities of licensed pest management professionals, when exposing tenants to pesticides. However, should a landlord or property manager take matters in their own hands –by applying over-the-counter pesticides – no such rules exist to notify the tenant. A landlord selfapplying pesticides to the property would expose tenants to harmful pesticides without their knowledge (prior or post). Exposure to such pesticides is poisonous to humans, especially when the pesticide is not stored, handled, applied, or disposed of properly. This new law, SB 328, regulates the use of pesticides by the landlord or landlord’s agent without a licensed pest control operator. The bill sets out certain requirements as a prerequisite to a landlord or landlord’s agent treating the area with pesticides without a licensed professional.
When pesticides are applied by a landlord or authorized agent (that is otherwise not a licensed pest control operator), these written notices must be provided: 1. The pest or pests to be controlled 2. Name and brand of pesticide product proposed to be used 3. A standard state law statement & notice: PESTICIDES ARE TOXIC CHEMICALS 4. Approximate date, time, and frequency with which the pesticide will be applied 5. “The approximate date, time, and frequency of this pesticide application is subject to change” Notice must be provided at least 24 hours prior to application and 24 hours after
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SB 371
School districts may exempt from qualified special taxes any or all individuals over 65, receiving SSI, or receiving SSDI
IMPACTS: Homeowners Landlords & Tenants
Existing law allows school districts and community college districts to impose special taxes that apply to taxpayers or real property within the district. The law exempts people over 65, people on SSI, and people receiving SSDI.
Under current law, school districts may exempt certain individuals from paying special taxes based on a set of categories that include age and disability. School districts may exempt people that fall into any of the following three categories: 1) 65 years of age or older, 2) persons receiving supplemental security income (SSI), and 3) persons receiving social security disability insurance. However, the way that the law is written has led some counties to believe that, in order for a person to qualify for an exemption, they must meet all three categories. The most recent example came in 2015, when Santa Clara County Counsel’s office interpreted the law to mean that a person must meet all three categories to qualify for an exemption. The law, as previously written, states that school districts may create a special tax that contain an “exemption from those taxes for all of the following taxpayers”. This bill, SB 371, is simply a clean-up bill that declares what the law actually means. The law clears up any confusion about the special tax exemptions by stating that a person is eligible if they fall into “any or all” of the categories. This bill clarifies existing law by stating that a person need only fit into one of the three categories mentioned above to qualify for the school district special tax exemption. Also noted is that school districts may exempt any or all of the individuals that are eligible, yet they are not obligated to do so. It is up to the school district to determine the need for and impact of the tax exemptions.
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Threshold brokers may now sell a new type of property, and no longer need to obtain updated annual questionnaires from certain types of clients
SB 647 IMPACTS:
Under current law, threshold brokers are authorized to solicit investor backing for six different types of property. The law specifies the maximum loan-to-value permitted for each type of property. The law requires threshold brokers to obtain completed investor questionnaire forms from clients.
Threshold Brokers Buyers & Sellers
A threshold broker is a special category of real estate broker, with only 317 active threshold brokers in California (as of 2013). Threshold brokers make, broker, and/or service mortgage loans on behalf of private individuals and small pension plans. In 2013, $12.4 billion in loans were made, organized, and serviced by threshold brokers, thus creating a need for regulation. The loans brokered by threshold brokers typically involve less sophisticated individuals, requiring more restrictions and disclosures to ensure fairness. This new law, SB 647, changes a few of the rules governing threshold brokers. The bill adds a type of property to the existing list of six types of property that a threshold broker is authorized to solicit the backing of investors. This new type of property is a “property that produces income from crops, timber, or minerals� – and the law assigns a maximum loan-to-value for this type of property. Additionally, SB 647 changes the questionnaire requirements, by both requiring the broker to obtain a completed questionnaire at least two days prior to completing a sale, and by eliminating the requirement of an annual questionnaire from certain note and deed holders. The new law focuses on special reporting and disclosure requirements due to the clientele that threshold brokers attract. The people using threshold brokers are not particularly savvy in the industry and thus require more detailed disclosures and reports. SB 647 aims to instill fairness and transparency in the real estate threshold broker business.
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SB 655
Mold is now included on the list of substandard housing conditions, and lessors are required to address once given notice
IMPACTS: Homeowners Landlords & Tenants
The existing laws that regulate housing outline a list of conditions that make a building substandard for human habitation, which includes lack of sanitation but does not include mold. Lessors of a building must repair issues that render the building untenantable.
One of the biggest complaints from tenants, legal aid organizations, and code enforcement agencies in California, is indoor mold growth. Further research has discovered that exposure to mold, especially early in life, can lead to severe health problems, such as asthma. Currently, the law lists conditions that make a dwelling unit “substandard�, meaning unfit for habitation by the occupant. The list includes conditions such as: lack of or improper water closet, lavatory, bathtub, or shower in the dwelling unit; improper kitchen sink; lack of hot and cold running water; lack of adequate heating; lack of ventilation and natural light – and a multitude of other standards. Mold was not previously included in this list, until SB 655. This new law adds standards regarding mold, including the effect mold has on housing conditions and the course of action permitted once mold is discovered. Visible mold growth that has been identified by a health or code enforcement officer is now on the list of substandard housing conditions. However, the minor presence of mold in areas that regularly accumulates with moisture is not included on the list. This bill gives code enforcement agencies authority to address mold issues and eliminate the unhealthy living conditions that mold causes. However, a lessor is not required to remediate the mold issue until they have been notified by the tenant of the mold or unless the tenant is in violation of specific obligations. This bill also allows a landlord to enter a dwelling unit to remedy the mold, provided the landlord complies with certain conditions.
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Airbnb must provide users with a specific notice, before listing their property, apprising them of potential risks if they are a tenant
SB 761 IMPACTS:
Landlords have the authority to define the terms of a lease or rental agreement, within certain statutory limits. Landlords may prohibit certain activity, including the subletting of the unit. In the event of a breach of the lease, landlords may terminate a lease and collect damages, or evict the violating tenant.
Landlords Tenants
In many California cities, rents are higher than they have ever been. New technology in the sharing economy allows people to list a room or even their entire home for short-term rental. Tenants find short-term rentals particularly appealing as a way to earn additional income. However, tenants who list on hosting platforms may be in violation of their lease terms, since many rental agreements forbid subletting or prohibit creating a nuisance for other tenants. This new law, SB 761, requires hosting platforms, such as Airbnb or HomeAway, to give notice to all users prior to them listing a residence for short-term rental on their site. The notice must contain the following language: “If you are a tenant who is listing a room, home, condominium, or apartment, please refer to your rental contract or lease, or contact your landlord, prior to listing the property to determine whether your lease or contract contains restrictions that would limit your ability to list your room, home, condominium, or apartment. Listing your room, home, condominium, or apartment may be a violation of your lease or contract, and could result in legal action against you by your landlord, including possible eviction.� In addition to providing the above language to users listing their space on the platform, the hosting site must also obtain the user’s affirmative acknowledgment of the notice. This is achieved by presenting the notice immediately prior to the user listing the property, and requiring them to interact with the site to acknowledge they read it.
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INDEX,
By Audience
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Homeowner
HOA
AB 1.............................................................5 AB 139.........................................................6 AB 349.......................................................11 AB 432......................................................15 AB 451.......................................................17 AB 661.......................................................19 AB 1015.....................................................24 AB 1164.....................................................25 AB 1448....................................................26 SB 371........................................................31 SB 655......................................................33
AB 1.............................................................5 AB 349.......................................................11 AB 432......................................................15 AB 596......................................................18 AB 661.......................................................19 AB 823......................................................22 AB 1164.....................................................25 AB 1448....................................................26
Real Estate Agent
Real Estate Broker
AB 345......................................................10 AB 349.......................................................11 AB 432.......................................................15 AB 596......................................................18 AB 661.......................................................19 AB 905......................................................23 SB 146.......................................................28
AB 345......................................................10 AB 661.......................................................19 AB 905......................................................23 SB 146.......................................................28 SB 647.......................................................32
Attorney
Lender
AB 661.......................................................19 AB 823......................................................22 AB 1541.....................................................27 SB 244.......................................................29
AB 802......................................................21
INDEX,
By Audience Buyer/Seller
Landlord/Tenant
AB 349........................................................11 AB 432.......................................................15 AB 596.......................................................18 AB 661.......................................................19 AB 802.......................................................21 AB 905......................................................23 SB 647.......................................................32
AB 349........................................................11 AB 418........................................................12 AB 432.......................................................15 AB 447.......................................................16 AB 802.......................................................21 AB 1015.....................................................24 AB 1164.....................................................25 AB 1448....................................................26 SB 328.......................................................30 SB 371........................................................31 SB 655.......................................................33 SB 761........................................................34
Developer
Consumer
AB 802......................................................21 AB 823......................................................22
AB 802......................................................21 AB 1541.....................................................27 SB 146......................................................28
Resource Index Common Questions on Reverse Transfer on Death Deed........................................................7 Sample Transfer on Death Deed Form......................................................................................9 Sample Tenant Statement (for Victims of Domestic Abuse)....................................................13 Notice to Terminate Tenancy FAQ (Victims of Domestic Abuse)............................................14 Infographic on Team Names for Real Estate Agents..............................................................28
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