California Code
DIVISION 9 - CALIFORNIA FINANCING LAW
CHAPTER 2 - Consumer Loans

ARTICLE 1 - Definitions

Section 22200. - 22200. “Charges” include the aggregate interest, fees, bonuses, commissions, brokerage,...

Section 22201. - 22201. “Charges” include any profit or advantage of any kind...

Section 22202. - 22202. “Charges” do not include any of the following: (a)...

Section 22203. - 22203. “Consumer loan” means a loan, whether secured by either...

Section 22204. - 22204. (a) In addition to the definition of consumer loan...

ARTICLE 2 - Exemptions

Section 22250. - 22250. (a) The following sections do not apply to any...

Section 22251. - 22251. Any section that refers to this section does not...

Section 22252. - 22252. This chapter does not apply to a program administrator...

ARTICLE 3 - Loan Regulations

Section 22300. - 22300. No licensee shall directly or indirectly charge, contract for,...

Section 22301. - 22301. (a) No licensee shall directly or indirectly charge, contract...

Section 22302. - 22302. (a) Section 1670.5 of the Civil Code applies to...

Section 22303. - 22303. Every licensee who lends any sum of money may...

Section 22304. - 22304. As an alternative to the charges authorized by Section...

Section 22304.5. - 22304.5. (a) For any loan of a bona fide principal...

Section 22305. - 22305. In addition to the charges authorized by Section 22303,...

Section 22306. - 22306. No amount in excess of that allowed by this...

Section 22307. - 22307. (a) Except as provided in Section 22305 and Article...

Section 22307.5. - 22307.5. A licensee shall not charge, impose, or receive any...

Section 22308. - 22308. Notwithstanding Section 22307, a licensee may contract for and...

Section 22309. - 22309. Except as provided in Section 22305 and Article 4...

Section 22310. - 22310. (a) Except for a rebate or refund pursuant to...

Section 22311. - 22311. No person in connection with or incidental to the...

Section 22312. - 22312. No person in connection with or incidental to the...

Section 22313. - 22313. Insurance on tangible personal or real property offered as...

Section 22314. - 22314. (a) Credit insurance shall not be deemed to be...

Section 22315. - 22315. (a) Credit disability insurance written pursuant to Section 22314...

Section 22316. - 22316. A licensee may collect the cost of a lot...

Section 22317. - 22317. On any loan made that is secured by real...

Section 22317.2. - 22317.2. (a) A licensee may collect a fee for use...

Section 22317.5. - 22317.5. On any loan secured by real property, a licensee...

Section 22318. - 22318. On any loan made that is secured by real...

Section 22319. - 22319. On any loan that is secured by real property,...

Section 22320. - 22320. With respect to a loan under this division, a...

Section 22320.5. - 22320.5. (a) A licensee may contract for and receive a...

Section 22321. - 22321. If credit loss-of-income insurance is provided pursuant to this...

Section 22322. - 22322. A loan lawfully made outside the state may be...

Section 22323. - 22323. Any person who collects or attempts to collect in...

Section 22324. - 22324. Any person who contracts for or negotiates in this...

Section 22325. - 22325. Every licensee shall display prominently in each licensed place...

Section 22326. - 22326. No person, except as authorized by this division, shall...

Section 22327. - 22327. No licensee shall knowingly induce any borrower to split...

Section 22328. - 22328. (a) This section applies to a loan secured in...

Section 22329. - 22329. (a) This section applies to a loan secured in...

Section 22329.5. - 22329.5. A licensee, or the agent of a licensee, that...

Section 22330. - 22330. No licensee shall take a deed of trust, mortgage,...

Section 22331. - 22331. No licensee shall take any confession of judgment or...

Section 22332. - 22332. No licensee shall take any note or promise to...

Section 22333. - 22333. No licensee shall take any instrument in which blanks...

Section 22334. - 22334. (a) Except as provided in subdivision (b), a licensee...

Section 22335. - 22335. The payment by any person in money, credit, goods,...

Section 22336. - 22336. This article does not prohibit any licensee from contracting...

Section 22337. - 22337. Each licensed finance lender shall: (a) Deliver or cause...

Section 22338. - 22338. Each licensed broker shall: (a) Deliver to the borrower,...

Section 22339. - 22339. Nothing contained in this article shall be construed to...

Section 22340. - 22340. (a) A licensee may sell promissory notes evidencing the...

Section 22340.1. - 22340.1. (a) A licensee that is a finance lender may...

Section 22341. - 22341. (a) No licensee may make a loan to refinance...

Section 22342. - 22342. (a) As used in this section, “instant loan check”...

Section 22345. - 22345. (a) Any person who violates any provision of Section...

Section 22346. - 22346. Any licensee that violates any provision of any of...

Section 22347. - 22347. The unique identifier of any licensed mortgage loan originator...

ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans

Section 22365. - 22365. (a) The Pilot Program for Increased Access to Responsible...

Section 22366. - 22366. (a) Any entity licensed under this chapter that wishes...

Section 22367. - 22367. Every entity approved by the commissioner to participate in...

Section 22368. - 22368. Except as otherwise provided, nothing in this article shall...

Section 22369. - 22369. No licensee may offer or make a loan, nor...

Section 22370. - 22370. (a) A loan made pursuant to this section shall...

Section 22371. - 22371. (a) A licensee who is approved by the commissioner...

Section 22372. - 22372. (a) A finder may perform one or more of...

Section 22373. - 22373. (a) At the time the finder receives or processes...

Section 22374. - 22374. (a) A finder may be compensated by the licensee...

Section 22375. - 22375. A licensee that utilizes the service of a finder...

Section 22376. - 22376. All arrangements between a licensee and a finder shall...

Section 22377. - 22377. (a) The commissioner may examine the operations of each...

Section 22378. - 22378. Notwithstanding the requirements of Section 22102 and its implementing...

Section 22379. - 22379. (a) Notwithstanding any other law, the commissioner shall examine...

Section 22380. - 22380. (a) On or before July 1, 2015, and annually...

Section 22380.5. - 22380.5. (a) The Pilot Program for Affordable Credit-Building Opportunities as...

Section 22381. - 22381. This article shall remain in effect only until January...

ARTICLE 4 - Charges On Scheduled Balances

Section 22400. - 22400. This article applies only to loan contracts payable in...

Section 22401. - 22401. With respect to precomputed loans, licensees shall be subject...

Section 22402. - 22402. When charges on a loan of an original bona...

ARTICLE 5 - Open-End Loan Programs

Section 22450. - 22450. As used in this division, “open-end credit program” means...

Section 22451. - 22451. If an open-end credit program is not primarily for...

Section 22452. - 22452. Subject to the written approval of the commissioner of...

Section 22453. - 22453. The minimum monthly payment shall be determined by any...

Section 22454. - 22454. On open-end loans, the licensee may contract for and...

Section 22455. - 22455. (a) In lieu of subdivisions (b), (c), (d), (e),...

Section 22456. - 22456. Section 22309 shall apply to open-end loans with the...

Section 22457. - 22457. In lieu of Section 22332, the open-end loan agreement...

Section 22458. - 22458. In lieu of subdivision (a) of Section 22337, with...

Section 22459. - 22459. Subdivision (e) of Section 22337 shall not apply to...

Section 22460. - 22460. Section 22333 shall not apply to a change in...

Section 22461. - 22461. Subdivision (a) of Section 22151, Sections 22154 and 22325,...

Section 22462. - 22462. The payment of fees for participation in an open-end...

Section 22463. - 22463. Nothing in this article limits the authority of the...

Section 22464. - 22464. This article does not apply to loans other than...

Section 22465. - 22465. Section 22400 does not apply to open-end loans. (Repealed...

Section 22466. - 22466. An open-end loan is in compliance with Section 22330...

Section 22467. - 22467. (a) Any section that refers to this section or...

ARTICLE 6 - Disclosure of Loan Applications

Section 22470. - 22470. (a) (1) Upon the request of a person who...