CA AB295

Prohibits any person from contacting or soliciting homeowners to claim surplus foreclosure funds before 90 days after the trustee's deed is recorded.

Expands trustee liability protections to include responding to payoff or reinstatement information requests, and allows trustees to reasonably rely on eligibility affidavits from bidders.

Increases allowable costs and expenses that may be charged during default cure from $50 to $100, and includes recording a notice of rescission as a chargeable cost.

Removes the "single bid amount" requirement for eligible tenant buyer and eligible bidder bids during the 15-day post-sale period, moving that restriction to the 45-day bidding period instead.

Clarifies that mortgage servicers must include written forbearance denial notices in declarations submitted under the COVID-19 Small Landlord and Homeowner Relief Act, and requires trustees to provide executed (rather than recorded) copies of trustee's deeds to the Attorney General.