CA SB784

Extends the right-to-cancel period for home solicitation contracts from 3 business days to 5 business days, and from 5 to 7 business days for senior citizens, effective January 1, 2026

Requires lenders offering home improvement loans to conduct a verification call with consumers before loan execution to confirm key terms including loan amount, monthly payments, interest rate, and any dealer fees

Prohibits consumer repayment obligations on home improvement loans from commencing until the lender confirms all improvements have received final permit approval and are operational, or until solar systems receive utility permission to operate

Mandates written and oral disclosure of dealer fees to consumers before loan execution, with specific language explaining that the true cost may be higher than the disclosed APR

Requires lenders to provide consumers with loan documentation upon request, including financing applications, completion certificates, payment records, and verification call recordings, and to maintain these records for five years after the loan ends