SACRAMENTO (AP) — 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. The six-bill package would write the terms of the settlement into state law, make them permanent and apply them to every lender, not just the five banks that were party to the nationwide agreement. "What we are doing is taking the best of that settlement, bringing it to California, but doing it in a way that will have lasting impact and will be on our books and change the course so that this does not happen again," Harris said.