CA AB1854

Permits Army Reserve and National Guard members called to active duty to defer payments on mortgages, credit cards, vehicle loans, property taxes, utilities, and student loans.

Requires service members to submit a written request (including electronic communications) and military orders to the obligor to receive deferral protection.

Establishes a 90-day deadline for submitting deferral requests following the end of the active duty period on which the deferral is based.

Limits deferral periods to the lesser of 180 days or the active duty period plus 60 calendar days, with a maximum of 180 days within any 365-day period.

Requires lenders to extend the loan term by the number of months deferred for closed-end and open-end credit obligations with maturity dates.