The law does not mandate that banks have to exercise their right to Due on Sale."

HCD has no bite, but they would send a cease and desist letter to any entity that is trying to remove a safe unpemitted unit as their mandate is the protection of the various housing mandates from over zealous local jurisdictions.  

Another unfunded mandate?

Is there a housing shortage or is there really a problem with the BARRIERS caused by productivity, land use, zoning and mandates that limits construction?  

Not every state or city mandates that any landlord has to accept Section 8, because the landlord has to not only subject their property to Section 8 inspections, rules and regulations, they also often have to separately arrange for the tenant to pay the non-covered part of the rent and can face difficulty evicting just based on that.

It is really sad and unfortunate that these governors are issuing lawless mandates. 

Add in many/most jurisdictions are (I believe incorrectly applying the law) mandating the existing structure be rent controlled (assuming it is over 15 years old).The reality is virtually all RE investments will do better than adding an ADU.  

I believe the new President will kill the EV mandate .

I must abide by the law and trust that mandate enforcement occurs even though I don’t see signs of it.

Mandates to banks and savings & loans for requirements to servicing and disposition.