More than one million California homes were lost to foreclosure between 2008 and 2011—with an additional 700,000 currently in the foreclosure pipeline. Seven of the nation’s ten hardest-hit cities by foreclosure rate in 2011 were in California. Most of these homes were lost due to loan modification fraud committed by the banks. The law that allows the Homeowners to seek redress against the banks for loan modification fraud does not go into effect until January 1, 2013. Governor Brown and Attorney General Harris must make the laws retroactive to 2008 in order to help the homeowners who had their house unjustly foreclosed on by the bank. This will allow homeowners that have been defrauded between 2008-2011 have a chance at having the banks make them whole again.