Homeowner bills' highlights - latimes.com Key parts of the homeowner-protection bills passed by the California Legislature would: Prohibit lenders from "dual tracking," or pursuing a foreclosure even though the homeowner is negotiating to modify the mortgage loan. Outlaw "robo-signing," or mortgage servicers' improper or faulty processing of foreclosure documents. Allow homeowners and state agencies to sue financial institutions for economic and civil damages, under limited circumstances. Require banks and loan servicers to provide a single representative for a borrower to work with, to prevent bureaucratic mazes.