加州令约800家贷款机构两周内交代：扣留洛杉矶山火保险赔付多久
加州商业与消费者服务厅与金融保护创新厅10月15日下令，要求约800家持牌房贷机构与服务商在两周内（10月29日前）上报其处理洛杉矶山火保险赔付的情况：截至9月30日收到多少赔付款、是否全部发放、发放耗时多久、有多少笔超过10天未发放、延迟或扣留的理由。
两家机构自2025年1月以来已收到160多起灾民投诉，指贷款机构在保险公司赔付后迟迟不把钱交给房主。厅长罗希特·乔普拉称，灾民“跑完繁琐的理赔流程后仍拿不到重建资金，不可接受”；金融保护创新厅专员KC·莫赫塞尼警告，将对无故拖延的机构“毫不犹豫采取强硬行动”。
州长纽森7月已致函银行协会，要求贷款机构10个工作日内放款。伊顿与帕利塞兹两场大火烧毁1.6万多栋房屋与建筑，重建进展缓慢。
信息来源：美联社、Insurance Business（10月15—16日）
California Orders Some 800 Mortgage Firms to Report Within Two Weeks on Held-Up Los Angeles Wildfire Insurance Payouts
California's Business and Consumer Services Agency and the Department of Financial Protection and Innovation ordered on Oct. 15 that some 800 licensed mortgage lenders and servicers report within two weeks, by Oct. 29, on their handling of Los Angeles wildfire insurance payouts: how much payout money they had received as of Sept. 30, whether all of it was released, how long releases took, how many payments had been held for more than 10 days, and the reasons for any delay or withholding.
The two agencies said they have received more than 160 complaints from fire survivors since January 2025 alleging that lenders kept insurance money from homeowners long after insurers had paid out. Rohit Chopra, secretary of the Business and Consumer Services Agency, said it was unacceptable that survivors who had completed the cumbersome claims process still could not get funds to rebuild; KC Mohseni, commissioner of the Department of Financial Protection and Innovation, warned that the department would not hesitate to take strong action against firms that delay without cause.
Gov. Gavin Newsom wrote to banking associations in July asking lenders to release funds within 10 business days. The Eaton and Palisades fires destroyed more than 16,000 homes and other structures, and rebuilding has been slow.
Source: Associated Press, Insurance Business (Oct. 15-16)
发布：GSM·美国（发布链接）
图片来源：图：伊顿大火过后，阿塔迪纳一处被烧毁的住宅前立着“不出售”的牌子（资料图）。图片来源：Facsenator 摄，Wikimedia Commons，CC0。Photo: A 'Not for Sale' sign stands in front of a burned-out home in Altadena after the Eaton Fire (file photo). Photo by Facsenator, via Wikimedia Commons, CC0.
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