Mortgages, vaccinations, guns among new-law topics
SACRAMENTO, Calif. (AP) — Homeowners will have increased protections from foreclosure while parents will have an additional hurdle if they choose not to vaccinate their children, under some of the hundreds of state laws taking effect with the new year.
California also is studying whether to create the nation's first state-administered retirement savings program for some 6 million private-sector workers, although it will take additional legislation before the program can be fully implemented.
Other laws address emotional issues such as guns and hunting. Second Amendment advocates can no longer carry rifles and shotguns in public to protest gun control laws, and hunters are banned from using hounds to track bobcats and bears.
Gov. Jerry Brown signed nearly 900 bills into law in 2012, most of which take effect Jan. 1. The legislation covers a wide range of topics, from pension changes for public employees to new funding mechanisms for a state park system that has been tainted by financial scandals.
A legislative package pushed by Attorney General Kamala Harris made California the first state to write into law much of the national mortgage settlement that states negotiated with the nation's top five banks.
Part of the settlement expands authorities' ability to investigate mortgage fraud. Large lenders also must provide a single point of contact for homeowners who want to negotiate loan modifications and are prohibited from foreclosing while they evaluate homeowners' requests for alternatives. Homeowners also can sue lenders to stop foreclosures or seek monetary damages if the lender violates state law.
"California's new law will help more homeowners avoid foreclosure and keep their homes," Consumers Union financial services manager Norma Garcia said in a statement. "Homeowners in all 50 states deserve these same strong protections and more."
Another law requires parents to get a note from a doctor's office if they opt against having their children vaccinated before enrolling them in school.
AB2109 requires that parents get a waiver saying they have received information about the benefits and risks of immunization. Former "Saturday Night Live" actor Rob Schneider of Pacifica was among opponents who argued that the law infringes on parental rights and increases families' medical costs.
Meanwhile, lower-income, private-sector workers whose employers do not offer retirement plans may be able to take advantage of the California Secure Choice Retirement Savings Program.
SB1234 and SB923 would require employers to withhold 3 percent of their workers' pay unless the employee opts out of the savings program. But the program cannot start enrolling workers until it receives final authorization from the Legislature.
Pensions for public employees will be reduced under a separate bill, a change that is expected to save taxpayers billions of dollars over the coming decades. AB340 increases retirement ages for new public employees, caps annual pension payouts, prohibits several practices used to inflate pensions and requires public-sectors workers to pay more if they are not already contributing half their retirement costs.
The pension changes were sought by Brown as part of an overall plan to reduce government spending.
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