CA AB1730

Adds civil penalties of up to $20,000 per violation for persons who demand or receive compensation before completing mortgage loan modification services, enforced by the Attorney General, district attorneys, or city attorneys.

Imposes additional civil penalties of up to $2,500 per violation when unlawful mortgage modifications target senior citizens (age 65+) or disabled persons, with courts considering factors such as defendant's knowledge and extent of harm to the victim.

Authorizes courts to order restitution to restore money or property acquired through violations of mortgage modification law.

Establishes a 4-year statute of limitations for civil actions enforcing these provisions.

Applies only to mortgages and deeds of trust on residential real property with four or fewer dwelling units.