SACRAMENTO — State lawmakers approved new mortgage protections for California homeowners that prevent credit unions and banks from foreclosing on a mortgage holder who's applied for a modification.

The California Homeowner Bill of Rights extends consumer protections agreed to in February by the nation's five biggest banks as part of a national settlement. Attorney General Kamala Harris helped reach the settlement, which included $18 billion in relief for Californians who lost their homes.

The legislation also requires lenders to assign a specific person or team of people to work with the homeowner, so that person doesn't get handed off to a different person every time they call.

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