索菲·奥斯汀 加利福尼亚州萨克拉门托 — — 加利福尼亚州官员周四将下令抵押贷款放款人，包括银行和信用合作社，报告他们如何处理向2025年洛杉矶地区大火幸存者支付的保险赔款。
SOPHIE AUSTIN SACRAMENTO, Calif. — California officials on Thursday will order mortgage lenders, including banks and credit unions, to report on how they have handled insurance payouts to survivors of the 2025 Los Angeles-area fires .
加利福尼亚州商务和消费者服务署以及金融保护与创新部旨在加快抵押贷款放款人在向房主发放之前所持有的保险赔款的释放。金融保护与创新部自2025年1月以来已收到超过160起关于付款延迟或其他问题的投诉。该州给予放款人两周时间提交报告。
The California Business and Consumer Services Agency and the Department of Financial Protection and Innovation seek to speed up the release of insurance proceeds that lenders hold before distributing them to homeowners. DFPI has received more than 160 complaints about payment delays or other issues since January 2025. The state is giving lenders two weeks to submit their reports.
“在经历了提交保险索赔的繁文缛节之后，一些野火幸存者仍然无法获得他们重建家园所需的资金，这是不可接受的，”商务和消费者服务署署长罗希特·乔普拉说。
“It’s unacceptable that after running through a gauntlet of paperwork to file insurance claims, some wildfire survivors still have not gotten access to the funds they need to rebuild,” said Rohit Chopra, secretary of the Business and Consumer Services Agency.
帕利塞德斯大火和伊顿大火在洛杉矶及其周边住宅区肆虐时，摧毁了超过16,000套住宅和其他建筑。自那以后，重建的住宅寥寥无几。
The Palisades and Eaton fires destroyed more than 16,000 homes and other structures as they tore through residential neighborhoods in and around Los Angeles. Very few homes have been rebuilt since.
7月，加州州长加文·纽瑟姆致函银行家协会和信用合作社，称正在重建家园的火灾受害者反映，放款人有时会在释放保险赔款之前扣留数周。他下令州政府收集那些在超过10天内才分配保险赔款且未制定加速付款计划的放款人的数据。
In July, Gov. Gavin Newsom wrote a letter to bankers’ associations and credit unions, saying fire victims rebuilding their homes reported that lenders sometimes hold on to those payouts for weeks before releasing them. He ordered the state to collect data on lenders that take longer than 10 days to distribute insurance proceeds and don’t develop a plan to speed up those payouts.
他去年签署了一项法律，要求银行和信用合作社对其持有的保险付款向房主支付利息。
He signed a law last year requiring banks and credit unions to pay homeowners interest on insurance payments they hold.
纽瑟姆表示，州政府周四将采取关键行动，以支持正在重建的家庭和企业主。
Newsom said the state is taking crucial action Thursday to support families and business owners as they rebuild.
“幸存者最后需要的不是不必要的官僚程序、延迟以及在他们和他们应得的救济之间设置的障碍，”他在一份声明中说道。
“The last thing survivors need is unnecessary red tape, delays, and barriers standing between them and the relief they deserve,” he said in a statement.
更广泛地说，关于谁应承担加州山火财务成本的问题在纽森担任近八年州长期间一直存在。他于2019年上任，彼时距离州历史上最致命、最具破坏性的山火仅过去几个月，他立即面临谁应承担由公用设施引发的山火成本的问题。在他担任州长的最后一次立法会议期间，纽森推动了一项计划，该计划将要求房屋保险公司承担更多成本。但该方案最终告吹，因为立法者未能就解决方案达成一致。
More broadly, questions about who should bear the financial costs of California’s wildfires have persisted throughout Newsom’s nearly eight years as governor. He took office in 2019, months after the deadliest and most destructive fire in state history, and immediately had to grapple with who should cover the costs of fires caused by utility equipment. In his final legislative session as governor, Newsom pushed a plan that would have required home insurers to bear more of the cost. But the deal fell apart when lawmakers couldn’t agree on a solution.
金融保护与创新部（DFPI）专员KC莫赫赛尼表示，该部门将采取行动，包括可能通过罚款，针对不必要地延迟保险赔付的银行和信用合作社。
DFPI Commissioner KC Mohseni said the department will take action, including potentially through fines, against banks and credit unions that unnecessarily delay insurance payouts.
他说道：“随着房主和家庭继续重建和恢复，贷款人不应成为他们的绊脚石，这一点至关重要。”
“It is critical that as homeowners and families continue to rebuild and recover, lenders do not stand in their way,” he said in a statement.