California Code
TITLE 2 - CREDIT SALES
CHAPTER 1 - Retail Installment Sales

ARTICLE 1 - General Provisions

Section 1801. - 1801. This chapter may be cited as the “Unruh Act.”...

Section 1801.1. - 1801.1. Any waiver by the buyer of the provisions of...

Section 1801.2. - 1801.2. If any provisions of this chapter or the application...

Section 1801.4. - 1801.4. The provisions of this chapter shall not apply to...

Section 1801.5. - 1801.5. Notwithstanding any other provision of this chapter to the...

Section 1801.6. - 1801.6. (a) The Legislature finds that the decisional law of...

Section 1801.7. - 1801.7. The provisions of this chapter shall not apply to...

ARTICLE 2 - Definitions

Section 1802. - 1802. Unless the context or subject matter otherwise requires, the...

Section 1802.1. - 1802.1. “Goods” means tangible chattels bought for use primarily for...

Section 1802.2. - 1802.2. “Services” means work, labor and services, for other than...

Section 1802.3. - 1802.3. “Retail seller” or “seller” means a person engaged in...

Section 1802.4. - 1802.4. “Retail buyer” or “buyer” means a person who buys...

Section 1802.5. - 1802.5. “Retail installment sale” or “sale” means the sale of...

Section 1802.6. - 1802.6. “Retail installment contract” or “contract” means any contract for...

Section 1802.7. - 1802.7. “Retail installment account” or “installment account” or “revolving account”...

Section 1802.8. - 1802.8. “Cash price” means the cash price stated in a...

Section 1802.9. - 1802.9. “Total sale price” means the total of the cash...

Section 1802.10. - 1802.10. “Finance charge” means the amount however denominated or expressed...

Section 1802.11. - 1802.11. (a) “Amount financed” means the amount required to be...

Section 1802.12. - 1802.12. “Total of payments” means the amount required to be...

Section 1802.13. - 1802.13. “Holder” means the retail seller who acquires a retail...

Section 1802.14. - 1802.14. “Official fees” means the fees required by law and...

Section 1802.15. - 1802.15. “Person” means an individual, partnership, corporation, limited liability company,...

Section 1802.16. - 1802.16. “Financing agency” means a person engaged in this State...

Section 1802.17. - 1802.17. “Billing cycle” means the time interval between regular monthly...

Section 1802.18. - 1802.18. “Regulation Z” means any rule, regulation, or interpretation promulgated...

Section 1802.19. - 1802.19. (a) For the purposes of this chapter, a retail...

Section 1802.20. - 1802.20. “Simple-interest basis” means the determination of a finance charge,...

Section 1802.21. - 1802.21. “Precomputed basis” means the determination of a finance charge...

ARTICLE 3 - Provisions of Retail Installment Contracts

Section 1803.1. - 1803.1. A retail installment contract shall be dated and in...

Section 1803.2. - 1803.2. Except as provided in Section 1808.3, every retail installment...

Section 1803.3. - 1803.3. Except as provided in Article 8 (commencing with Section...

Section 1803.4. - 1803.4. The seller shall not obtain the signature of the...

Section 1803.5. - 1803.5. If the cost of any insurance is included in...

Section 1803.6. - 1803.6. (a) A contract may provide that for each installment...

Section 1803.7. - 1803.7. The seller shall deliver to the buyer at the...

Section 1803.8. - 1803.8. Retail installment sales negotiated and entered into by mail...

Section 1803.9. - 1803.9. If it is explicitly understood between the seller and...

Section 1803.10. - 1803.10. It shall be unlawful for any seller to induce...

Section 1803.11. - 1803.11. It shall be unlawful for any seller to solicit...

ARTICLE 4 - Restrictions on Retail Installment Contracts

Section 1804.1. - 1804.1. No contract or obligation shall contain any provision by...

Section 1804.2. - 1804.2. (a) An assignee of the seller’s rights is subject...

Section 1804.3. - 1804.3. (a) No contract other than one for services shall...

Section 1804.4. - 1804.4. Any provision in a contract which is prohibited by...

ARTICLE 5 - Finance Charge Limitation

Section 1805.1. - 1805.1. The holder of the contract shall not charge, collect,...

Section 1805.2. - 1805.2. Contracts may be payable in successive monthly, semimonthly or...

Section 1805.4. - 1805.4. The finance charge shall be inclusive of all charges...

Section 1805.6. - 1805.6. (a) Notwithstanding the provisions of any contract to the...

Section 1805.7. - 1805.7. All contracts entered into between a buyer and a...

Section 1805.8. - 1805.8. The maximum rate of finance charge which may be...

Section 1805.9. - 1805.9. No contract shall provide for a finance charge which...

ARTICLE 6 - Payments

Section 1806.1. - 1806.1. Unless the buyer has notice of actual or intended...

Section 1806.2. - 1806.2. At any time after its execution, but not later...

Section 1806.3. - 1806.3. (a) Notwithstanding any provision of a contract to the...

Section 1806.4. - 1806.4. After the payment of all sums for which the...

ARTICLE 7 - Refinancing and Consolidation

Section 1807.1. - 1807.1. (a) The holder of a retail installment contract may,...

Section 1807.2. - 1807.2. The holder of a retail installment contract or contracts...

Section 1807.3. - 1807.3. (a) If any payment, other than a deferred downpayment,...

ARTICLE 8 - Add-on Sales

Section 1808.1. - 1808.1. A retail installment contract, which otherwise conforms to the...

Section 1808.2. - 1808.2. When a subsequent purchase is made, the entire amount...

Section 1808.3. - 1808.3. If a credit sale is one of a series...

Section 1808.4. - 1808.4. Until the seller delivers to the buyer the memorandum...

Section 1808.5. - 1808.5. Subject to the other provisions of Article 5 (commencing...

ARTICLE 9 - Terms of Purchase by Financing Agency

Section 1809.1. - 1809.1. Notwithstanding any contrary provision of this title a financing...

ARTICLE 10 - Retail Installment Accounts

Section 1810. - 1810. For the purposes of this article, a retail installment...

Section 1810.1. - 1810.1. Notwithstanding any other provisions of this article to the...

Section 1810.2. - 1810.2. Subject to the other provisions of this article, the...

Section 1810.3. - 1810.3. (a) Except in the case of an account which...

Section 1810.4. - 1810.4. The finance charge shall include all charges incident to...

Section 1810.5. - 1810.5. If the cost of any insurance is to be...

Section 1810.6. - 1810.6. Nothing in this article prohibits the execution of an...

Section 1810.7. - 1810.7. No retail installment account shall require or entail the...

Section 1810.8. - 1810.8. The provisions of Sections 1806.1 and 1806.4 shall be...

Section 1810.10. - 1810.10. (a) Notwithstanding the provision of any contract to the...

Section 1810.11. - 1810.11. The buyer may request, not more frequently than once...

Section 1810.12. - 1810.12. (a) Notwithstanding Section 1810.4, a seller or holder of...

ARTICLE 10.5 - Retail Installment Account Credit Card Periodic Rate Disclosures

Section 1810.20. - 1810.20. This article shall be known and may be cited...

Section 1810.21. - 1810.21. (a) Any application form or preapproved written solicitation for...

ARTICLE 11 - Attorney s Fees and Court Costs

Section 1811.1. - 1811.1. Reasonable attorney’s fees and costs shall be awarded to...

ARTICLE 12.1 - Repossession and Resale

Section 1812.2. - 1812.2. In the event of any default by the buyer...

Section 1812.3. - 1812.3. The notice provided for in Section 1812.2 shall be...

Section 1812.4. - 1812.4. The proceeds of a resale shall be applied (1)...

Section 1812.5. - 1812.5. If the proceeds of the sale are not sufficient...

ARTICLE 12.2 - Penalties

Section 1812.6. - 1812.6. Any person who shall willfully violate any provision of...

Section 1812.7. - 1812.7. In case of failure by any person to comply...

Section 1812.8. - 1812.8. Notwithstanding the provisions of this article, any failure to...

Section 1812.9. - 1812.9. In any case in which a person willfully violates...

ARTICLE 12.3 - Actions

Section 1812.10. - 1812.10. (a) An action on a contract or installment account...

ARTICLE 12.4 - Financing Retail Purchases

Section 1812.20. - 1812.20. Notwithstanding Section 1801.6, no person shall require a purchaser...