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Mortgage Settlements: Homeowners

The Attorney General obtained settlements from three major banks (Bank of America, Citibank, JP Morgan Chase) related to their marketing and sale of residential mortgage backed securities (RMBS). The RMBS settlements provide various forms of relief to consumers, including reductions in principal balances and reductions in interest rates.

If you are a homeowner struggling to pay your mortgage or facing foreclosure, one of these settlements could help you. Not every homeowner will qualify for relief under these settlements. Those who qualify may be contacted directly by their bank or servicer, and may receive one or more forms of relief depending on their circumstances. Servicemembers with a disability, as well as relatives of deceased servicemembers, may also quality for benefits under these settlements. For more details, please see our Frequently Asked Questions.

MEDA Mortgage

If you need advice on mortgage modifications, foreclosures, and credit issues, please contact a HUD-Approved Housing Counselor. You can find a counselor in California by visiting the HUD Approved Housing Counseling Agencies webpage or by calling 1-800-569-4287.

The Attorney General also secured significant relief for Californians under the National Mortgage Settlement. For detailed information about the settlement, please visit the National Mortgage Settlement website. However, please be advised that the deadline to file a claim was January 18, 2013 and claims are no longer being accepted. If you have questions, you may call the Settlement Administrator at 1-866-430-8358.

Mortgage Servicers

To find out if you may be eligible for relief under one of the RMBS settlements, please contact your mortgage servicer.

  • Bank of America:  1-877-488-7814 or visit a Bank of America Customer Assistance Center. You can find a list of Bank of America Customer Assistance Centers on the Bank of America website.
  • JPMorgan Chase:  1-866-550-5705
  • Citibank/Citimortgage:  1-866-272-4749

California Monitor Program

The California Monitor Program was created in March 2012 by Attorney General Kamala D. Harris to enforce the National Mortgage Settlement. The Attorney General appointed Professor Katherine Porter* as the California Monitor to independently oversee and monitor the bank servicers' compliance with the National Mortgage Settlement. In two and a half years, the California Monitor Program reviewed and responded to over 5,000 complaints from homeowners, engaged the bank servicers through innovative compliance strategies, and conducted extensive community outreach and education. The California Monitor Program closed on September 30, 2014.

Professor Porter released a series of reports as the California Monitor, including reports on the banks' compliance with settlement reforms, issues stemming from the settlement, and her recommendations for future implementation. These reports can be found below:

Please note that these reports reflected the views of the California Monitor Program; they do not necessarily reflect the views of the California Attorney General or the California Department of Justice.

  1. Waiting for Change: Dual Tracking and Home Foreclosure (October 2, 2012)
  2. Dollars to Date: The California Mortgage Agreement (November 19, 2012)
  3. The "Complete" Application Problem: A Solution to Help Homeowners and Banks Work Together (June 19, 2013)
  4. By the Numbers: Mortgage Relief Across California (September 24, 2013)
  5. Bank-Consumer Communication: Improvements and Strategies (December 17, 2013)
  6. Reclaiming the Rules: Solutions for Mortgage Servicing (September 30, 2014)


*Katherine Porter is a Professor of Law at the University of California, Irvine School of Law.

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