Attorney General Kamala D. Harris with legislative leaders Assembly Speaker John Perez, left, and Senate pro Tem Darrell Steinberg, right, unveil the California Homeowner Bill of Rights  at a press conference Wednesday, Feb. 29, 2012 in Sacramento, Calif., State Attorney General Kamala Harris promoted legislation Wednesday to reform the mortgage process in California and provide more protections for homeowners, three weeks after she secured $18 billion for California in a nationwide bank settlement.  (AP Photo/The Sacramento Bee, Paul Kitagaki Jr.)  MAGS OUT; TV OUT; MANDATORY CREDIT; NO SALES Photo: Paul Kitagaki Jr., Associated Press