The California Department of Housing has released a memorandum detailing the laws that went into effect relating to lending servicers and foreclosure requirements.

The 9 page memo is a brief outline of the mandates California lawmakers imposed as a result of the mortgage crisis, robo-signing and poor performance in borrowers services.

California’s “Borrower’s Bill of Rights” is far more reaching and punitive that recent laws passed in Nevada affecting non-judicial foreclosure. Starting January 2013, offenders of any of the various requirements ranging from documentation and customer service, could pay the greater of $50,000 or trebled damages.

The memo can be viewed here.