text:
(a) Notwithstanding any law the commissioner shall have the authority to conduct investigations and examinations of an applicant or licensee as follows:

(1) For purposes of determining whether an applicant is eligible for a license, or that a licensee is complying with the provisions of this division or any regulation or order of the commissioner, the commissioner may access, receive, and use any books, accounts, records, files, documents, information, or evidence that relates to debt collection, including, but not limited to, any of the following relating to the intent to, or the practice of, collecting consumer debt:

(A) Criminal, civil, and administrative history information.

(B) Personal history and experience information, including, but not limited to, independent credit reports obtained from a consumer reporting agency.

(C) Any other documents, information, or evidence that the commissioner deems relevant to the inquiry or investigation regardless of the location, possession, control, or custody of those documents, information, or evidence.

(2) For the purposes of investigating violations or complaints arising under this division, the commissioner may direct, subpoena, or order the attendance of, and examine under oath, any person whose testimony may be required about the consumer debt or account of the debtor.

(b) In making any examination or investigation authorized by this section, the commissioner may control access to any documents and records of the licensee or person under examination or investigation. The commissioner may take possession of the documents and records or place a person in exclusive charge of the documents and records in the place where they are usually kept. During the period of control, no person shall remove or attempt to remove any of the documents and records except pursuant to a court order or with the consent of the commissioner. Unless the commissioner has reasonable grounds to believe the documents or records of a licensee have been, or are at risk of being, altered or destroyed for purposes of concealing a violation of this division, the licensee or owner of the documents and records shall have access to the documents or records as necessary to conduct their ordinary business affairs.

(c) The commissioner may permit affiliated companies to be subject to a single examination. The department shall list all affiliated company names on the license and shall post them on the department’s internet website.


kind: section

code: FIN

text:
(a) If, in the opinion of the commissioner, a person who is required to be licensed under this division is engaged in business as a debt collector without a license from the commissioner, or a person or licensee has violated any provision of this division, an order, or a regulation adopted pursuant to this division, or Title 1.6C (commencing with Section 1788) or Title 1.6C.5 (commencing with Section 1788.50) of Part 4 of Division 3 of the Civil Code, the commissioner may do any of the following:

(1) After notice and an opportunity for a hearing, order the person or licensee to desist and to refrain from engaging in the business of further continuing the violation.

(2) After notice and an opportunity for a hearing, order the person or licensee to pay ancillary relief. The ancillary relief may include, but need not be limited to, refunds, restitution, disgorgement, and payment of damages, as appropriate, on behalf of a person injured by the conduct or practice that constitutes the subject matter of the assessment. A person or licensee may dispute an order to pay ancillary relief for an individual violation of Title 1.6C (commencing with Section 1788) or Title 1.6C.5 (commencing with Section 1788.50) of Part 4 of Division 3 of the Civil Code, if the same injured person brought an action for the same violation against the same person or licensee in court, the action resulted in a final judgment on the merits, and all damages, penalties, or fees have been paid to the injured person.

(b) If, in the opinion of the commissioner, a depository institution, as defined in Section 1420, a person licensed pursuant to Division 9 (commencing with Section 22000) or Division 20 (commencing with Section 50000), or a person licensed pursuant to Part 1 (commencing with Section 10000) of Division 4 of the Business and Professions Code, has violated Title 1.6C (commencing with Section 1788) or Title 1.6C.5 (commencing with Section 1788.50) of Part 4 of Division 3 of the Civil Code, the commissioner may take the actions described in paragraphs (1) and (2) of subdivision (a).

(c) If, within 30 days after an order issued pursuant to subdivision (a) or (b) is served, a written request for a hearing is filed and no hearing is held within 30 days thereafter, the order shall be deemed rescinded.

history: (History: Added by Stats. 2020, Ch. 163, Sec. 3. (SB 908) Effective January 1, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)

division: 25. DEBT COLLECTION LICENSING ACT

chapter: 2. Licensing

path: 25. DEBT COLLECTION LICENSING ACT > 2. Licensing > 1. Commissioner on Financial Protection and Innovation


text:
(a) Notwithstanding any law, the commissioner may by rule or order prescribe circumstances under which to accept electronic records or electronic signatures. This section shall not be deemed to require the commissioner to accept electronic records or electronic signatures.

(b) For purposes of this section, the following terms have the following meanings:

(1) “Electronic record” means an initial license application, or material modification of that license application, and any other record created, generated, sent, communicated, received, or stored by electronic means. “Electronic record” also includes, but is not limited to, all of the following electronic documents:

(A) An application, amendment, supplement, and exhibit, filed for any license, consent, or other authority.

(B) A financial statement, report, or advertising.

(C) A surety bond, rider, or endorsement thereto.

(D) An order, license, consent, or other authority.

(E) A notice of public hearing, accusation, and statement of issues in connection with any application, license, consent, or other authority.

(F) A proposed decision of a hearing officer and a decision of the commissioner.

(G) The transcripts of a hearing and correspondence between a party and the commissioner directly relating to the record.

(H) A release, newsletter, interpretive opinion, determination, or specific ruling.

(I) Correspondence between a party and the commissioner directly relating to any document listed in subparagraphs (A) to (H), inclusive.

(2) “Electronic signature” means an electronic sound, symbol, or process attached to or logically associated with an electronic record and executed or adopted by a person with the intent to sign the electronic record.

(c) The Legislature finds and declares that the Department of Financial Protection and Innovation has continuously implemented methods to accept records filed electronically, and is encouraged to continue to expand its use of electronic filings to the extent feasible, as budget, resources, and equipment are made available to accomplish that goal.

history: (History: Amended by Stats. 2022, Ch. 452, Sec. 165. (SB 1498) Effective January 1, 2023.)

article: 1. Commissioner on Financial Protection and Innovation


text:
(a) The commissioner may require an applicant for a license to make some or all of the filings with the commissioner through the Nationwide Multistate Licensing System & Registry.

(b) The commissioner may require an application to be made through the Nationwide Multistate Licensing System & Registry, and may require fees, financial statements, supporting documents, changes of address, and any other information, and amendments or modifications thereto, to be submitted by applicants and licensees through the Nationwide Multistate Licensing System & Registry.

(c) The commissioner may require licensees to pay annual fees through the Nationwide Multistate Licensing System & Registry.

history: (History: Amended by Stats. 2023, Ch. 198, Sec. 8. (SB 152) Effective September 13, 2023.)


text:
(a) The Debt Collection Licensing Fund is hereby established within the state treasury.

(b) All licensing fees collected shall be deposited into the Fees Account which is hereby established within the fund.

(c) All fines and penalties collected shall be deposited into the Penalties Account which is hereby established within the fund.

(d) All monies deposited into the fund shall be available to the commissioner, upon appropriation by the Legislation, for the purposes of this division.


text:
An applicant shall apply for a license by submitting all of the following to the commissioner:

(a) A completed application for a license in a form prescribed by the commissioner and signed under penalty of perjury. An application shall include the location of the applicant’s principal place of business and all branch office locations.

(b) (1) An application fee, of three hundred fifty dollars ($350), and an investigation fee, the amount of which shall be determined by the department, to cover any costs incurred in processing an application, including a fingerprint processing and criminal history record check under Section 100009. The investigation fee, including the amount for the criminal history record check, and the application fee are not refundable if an application is denied or withdrawn.

(2) The fees assessed pursuant to this subdivision shall be billed and collected by the commissioner at the time of initial application.

(c) A sample of the initial letter required pursuant to Section 1692g of Title 15 of the United States Code that the licensee will use in correspondence with California consumers.

history: (History: Amended by Stats. 2021, Ch. 77, Sec. 6. (AB 137) Effective July 16, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)

article: 2. Application for Licensure

path: 25. DEBT COLLECTION LICENSING ACT > 2. Licensing > 2. Application for Licensure


text:
(a) The commissioner shall require a background investigation of each applicant by means of a Federal Bureau of Investigation criminal history record check of the individuals subject to investigation under Section 100009 and shall require the submission of fingerprints for each individual subject to investigation under Section 100009.

(b) If the applicant is a partnership, corporation, limited liability company, trust, estate, cooperative, association, or other business organization, the commissioner shall require a Federal Bureau of Investigation criminal history record check, including the submission of fingerprints, for each individual described in Section 100009.

(c) Notwithstanding any other provision of law, the Nationwide Multistate Licensing System Registry may be used as a channeling agent between the United States Department of Justice and the commissioner for purposes of requesting and distributing information for the background investigations described in this section.

(d) (1) An applicant shall not be denied a license on the basis of a criminal conviction, or on the basis of acts underlying a criminal conviction, if the convicted person has obtained a certificate of rehabilitation under Chapter 3.5 (commencing with Section 4852.01) of Title 6 of Part 3 of the Penal Code or has been granted clemency or a pardon by a state or federal executive.

(2) An applicant shall not be denied a license on the basis of a conviction that has been dismissed pursuant to Section 1203.4, 1203.4a, 1203.41, or 1203.425 of the Penal Code. An applicant who has a conviction that has been dismissed pursuant to Section 1203.4, 1203.4a, or 1203.41 of the Penal Code shall provide the commissioner with proof of the dismissal if it is not reflected in the applicant’s criminal history record report.

(3) An applicant shall not be denied a license on the basis of an arrest that resulted in a disposition other than a conviction, including an arrest that resulted in an infraction, citation, or juvenile adjudication.

(4) An applicant may be denied a license on the grounds that the applicant knowingly made a false statement of fact that is required to be revealed in the application for the license. An applicant shall not be denied a license based solely on an applicant’s failure to disclose a fact that would not have been cause for denial of the license had it been disclosed.

(5) If an applicant is denied a license based solely or in part on conviction history, the applicant shall be notified in writing of all of the following:

(A) The denial or disqualification of licensure.

(B) The procedure for the applicant to challenge the decision or to request reconsideration.

(C) That the applicant has the right to appeal the decision.

(D) The processes to request a copy of the applicant’s complete conviction history and to question the accuracy or completeness of the record.

history: (History: Repealed and added by Stats. 2023, Ch. 198, Sec. 10. (SB 152) Effective September 13, 2023.)

article: 2. Application for Licensure


text:
(a) (1) Upon the filing of an application for a license pursuant to Section 100007 and the payment of the fees, if the applicant is a partnership, the commissioner shall investigate all of the following:

(A) The applicant.

(B) The applicant’s managing partners and supervising partners, as defined in the partnership agreement.

(C) Any individual owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests in the applicant.

(D) Any individual responsible for the conduct of the applicant’s debt collection activities or policies in this state.

(2) Upon the filing of an application for a license pursuant to Section 100007 and the payment of the fees, if the applicant is a corporation, trust, limited liability company, or association, including an unincorporated organization, the commissioner shall investigate all of the following:

(A) The applicant.

(B) Any principal officer of the applicant.

(C) The applicant’s board of directors.

(D) Any trustee of the applicant.

(E) Any managing member of the applicant if the applicant is a limited liability company.

(F) Any individual owning or controlling, directly or indirectly, 10 percent or more of the outstanding equity securities in the applicant.

(G) Any individual responsible for the conduct of the applicant’s debt collection activities or policies in this state.

(b) Upon the filing of an application for a license pursuant to Section 100007 and the payment of the fees, the commissioner shall investigate the individual responsible for the debt collection activity of the licensee at the location described in the application. The investigation may be limited to information that was not included in prior applications filed pursuant to this division.

(c) For the purposes of this section, “principal officers” means a president, chief executive officer, chief operating officer, treasurer, and chief financial officer, as may be applicable, and any other officer with direct decisionmaking responsibility for the applicant’s debt collection activities or policies in this state.

history: (History: Amended by Stats. 2023, Ch. 198, Sec. 11. (SB 152) Effective September 13, 2023.)

article: 2. Application for Licensure


text:
(a) When the application is complete, including the information from the Department of Justice, and the commissioner determines that the applicant has satisfied the requirements set forth in this division and does not find facts constituting reasons for denial, the commissioner shall issue and deliver a license to the applicant.

(b) If the commissioner determines that the requirements have not been satisfied, after notice and an opportunity for a hearing, the commissioner may deny the application and shall provide a written explanation for the denial.

article: 2. Application for Licensure


text:
(a) The proceedings for a denial of a license shall be conducted in accordance with Chapter 5 (commencing with Section 11500) of Part 1 of Division 3 of Title 2 of the Government Code.

(b) After notice and an opportunity for a hearing the commissioner may deny an application for a license for any of the following reasons:

(1) A false statement of a material fact has been made in the application.

(2) The applicant or any principal officer, director, general partner, managing member, or individual owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests or equity securities of the applicant, within the last 10 years has (A) been convicted of, or pleaded nolo contendere to, a crime, other than traffic violations, or (B) committed any act involving dishonesty, fraud, or deceit, if the crime or act is substantially related to the qualifications, functions, or duties of a person engaged in business in accordance with this division.

(3) The applicant or any principal officer, director, general partner, managing member, or individual owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests or equity securities of the applicant, has violated, or is not in material compliance with this division, or an order or rule of the commissioner.

(4) A material requirement for issuance of a license has not been met, provided that a written notice of a material omission shall first be sent to the applicant with an opportunity to correct the omission prior to the applicant’s denial.

(5) The applicant or any principal officer, director, general partner, managing member, or individual owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests or equity securities of the applicant, has violated this division or the rules thereunder, or any similar regulatory scheme of this or a foreign jurisdiction.

(6) The applicant or any principal officer, director, general partner, managing member, or individual owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests or equity securities of the applicant, has been held liable by final judgment in a civil action under Title 1.6C (commencing with Section 1788) or Title 1.6C.5 (commencing with Section 1788.50) of Part 4 of Division 3 of the Civil Code, within the past seven years.

(7) The commissioner, based on its investigation of the applicant, is unable to find that the financial responsibility, criminal records, experience, character, and general fitness of the applicant and its general partners, managing members, principal officers and directors, and individuals owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests or equity securities of the applicant, support a finding that the business will be operated honestly, fairly, efficiently, and in accordance with the requirements of this division.

(8) The commissioner may adopt regulations specifying the factors that the commissioner will consider in denying a license, including, but not limited to, the harm to the consumer, the frequency of prior violations, and the number of prior disciplinary actions taken against the licensee in California or in other states.

article: 2. Application for Licensure


text:
(a) The commissioner may deem an application for a license abandoned if the applicant fails to respond to any request for information required by the commissioner or department during an investigation of the application.

(b) The commissioner shall notify the applicant, in writing, that if the applicant fails to submit responsive information within 60 days from the date the commissioner sent the written request for information, the commissioner may deem the application abandoned.

(c) An application fee paid prior to the date an application is deemed abandoned shall not be refunded. Abandonment of an application pursuant to this subdivision shall not preclude the applicant from submitting a new application and fee for a license.

history: (History: Amended by Stats. 2022, Ch. 569, Sec. 12. (AB 156) Effective September 27, 2022.)

article: 2. Application for Licensure


text: A license shall remain effective until the license is either suspended or revoked by the commissioner or surrendered by the licensee.

article: 2. Application for Licensure


text:
(a) The commissioner is authorized to establish relationships or contracts with the Nationwide Multistate Licensing System & Registry or other entities designated by the Nationwide Multistate Licensing System & Registry to collect and maintain records and process transaction fees or other fees related to licensees or other persons subject to this division.

(b) For the purpose of participating in the Nationwide Multistate Licensing System & Registry, the commissioner is authorized to waive or modify, in whole or in part, by rule, regulation, or order, any or all of the requirements of this division and to establish new requirements as reasonably necessary to participate in the Nationwide Multistate Licensing System & Registry.

(c) The commissioner may use the Nationwide Multistate Licensing System & Registry as a channeling agent for requesting information from, and distributing information to, the Department of Justice, any other governmental agency, or any other source, as directed by the commissioner.

(d) The commissioner shall establish a process through which applicants and licensees may challenge information entered into the Nationwide Multistate Licensing System & Registry by the commissioner.

path: 25. DEBT COLLECTION LICENSING ACT > 2. Licensing > 3. Nationwide Multistate Licensing System and Registry


text:
(a) Except as otherwise provided in Section 1512 of the SAFE Act (12 U.S.C. Sec. 5111(a)), the requirements under any federal law or the Information Practices Act of 1977 (Chapter 1 (commencing with Section 1798) of Part 4 of Division 3 of the Civil Code) regarding the privacy or confidentiality of any information or material provided to the Nationwide Multistate Licensing System & Registry, and any privilege arising under federal or state law, including the rules of any state court, with respect to that information or material, shall continue to apply to the information or material after the information or material has been disclosed to the Nationwide Multistate Licensing System & Registry. The information and material may be shared with all state and federal regulatory officials with industry oversight authority without the loss of privilege or the loss of confidentiality protections provided by federal law or the Information Practices Act.

(b) Information or material that is subject to a privilege or confidentiality under subdivision (a) shall not be subject to any of the following:

(1) Disclosure under any federal or state law governing the disclosure to the public of information held by an officer or an agency of the federal government or the state.

(2) Subpoena or discovery, or admission into evidence, in any private civil action or administrative process, unless with respect to any privilege held by the Nationwide Multistate Licensing System & Registry with respect to the information or material, the person to whom the information or material pertains waives, in whole or in part, in the discretion of that person, that privilege.

(c) This section shall not apply with respect to the information or material relating to the employment history of, and publicly adjudicated disciplinary and enforcement actions included in, the Nationwide Multistate Licensing System & Registry for access by the public.

article: 3. Nationwide Multistate Licensing System and Registry


text: The commissioner shall report regularly violations of this division, as well as enforcement actions and other relevant information, to the Nationwide Multistate Licensing System & Registry, to the extent that the information is a public record.


text:
(a) A licensee shall notify the commissioner, in writing, of any change in the information provided in the application for a license, as applicable, not later than 30 days after the occurrence of the event that results in the information becoming inaccurate or incomplete.

(b) (1) If a licensee seeks to change its place of business to a street address other than that designated in its license, the licensee shall provide written notice to the commissioner at least 10 days prior to the change.

(2) A licensee shall not engage in the business of debt collection at a new location in a name other than a name approved by the commissioner.

(3) A licensee that opens a new branch office or changes the location of an existing branch office shall notify the commissioner in writing of the new or changed branch office location within 30 days after the branch office begins business.

chapter: 3. Licensee Duties

path: 25. DEBT COLLECTION LICENSING ACT > 3. Licensee Duties


text:
A licensee shall do all of the following:

(a) Develop policies and procedures reasonably intended to promote compliance with this division.

(b) File with the commissioner any report required by the commissioner.

(c) Comply with the provisions of this division and any regulation or order of the commissioner.

(d) Submit to periodic examination by the commissioner as required by this division and any regulation or order of the commissioner.

(e) Maintain a surety bond in accordance with this section in a minimum amount of twenty-five thousand dollars ($25,000). The bond shall be payable to the commissioner and issued by an insurer authorized to do business in this state. The surety bond, including any and all riders and endorsements executed subsequent to the effective date of the bond, shall be filed with the commissioner within 10 days of execution. The bond shall be used for the recovery of expenses, fines, and fees levied by the commissioner in accordance with this division. The commissioner may require licensees to submit bonds, riders, and endorsements electronically through the Nationwide Multistate Licensing System & Registry’s electronic surety bond function.

(1) When an action is commenced on a licensee’s bond, the commissioner may require the filing of a new bond. Immediately upon recovery of any action on the bond, the licensee shall file a new bond. Failure to file a new bond within 10 days of the recovery on a bond, or within 10 days after notification by the commissioner that a new bond is required, constitutes sufficient grounds for the suspension or revocation of the license. A licensee may provide the commissioner a refundable deposit in the amount of twenty-five thousand dollars ($25,000) in lieu of the bond while the licensee pursues a new bond.

(2) The commissioner may require a higher bond amount for a licensee based on the number of affiliates under the license and the dollar amount of collecting consumer debt by that licensee.


text:
(a) Each licensee shall pay to the commissioner its pro rata share of all costs and expenses reasonably incurred in the administration of this division, as estimated by the commissioner, for the ensuing year and any deficit actually incurred or anticipated in the administration of the division in the year in which the annual fee is levied. The pro rata share shall be based upon the proportion of net proceeds generated by California debtor accounts in the preceding year after the amount levied pursuant to subdivision (c).

(b) On or before September 30 in each year, the commissioner shall notify each licensee of the amount of the annual fee schedule that will take effect on January 1. If payment is not made by January 1, the commissioner shall assess and collect a penalty, in addition to the fee, of 1 percent of the assessment for each month or part of a month that the payment is delayed or withheld.

(c) In the levying and collection of the annual fees, a licensee shall neither be charged for nor be permitted to pay less than two hundred fifty dollars ($250) nor more than an aggregate of all reasonable costs to operate this division, with the exception of fees associated with investigations and examinations.

(d) If a licensee fails to pay the annual fees on or before January 1, the commissioner may by order summarily suspend or revoke the license issued to the licensee. If, after an order is made, a request for hearing is filed in writing within 30 days, and a hearing is not held within 60 days thereafter, the order is deemed rescinded as of its effective date. During any period when the license is revoked or suspended, a licensee shall not engage in the business of collecting debt in this state pursuant to this division except as may be permitted by order of the commissioner. However, the revocation, suspension, or surrender of a license shall not affect the powers of the commissioner as provided in this division.

(e) Notwithstanding subdivisions (a) to (d), inclusive, the commissioner may by rule require licensees to pay annual fees through the Nationwide Multistate Licensing System & Registry.


text:
(a) A licensee shall file an annual report with the commissioner, on or before March 15, that contains all relevant information that the commissioner reasonably requires concerning the business and operations conducted by the licensee in the state during the preceding calendar year, including information regarding collection activity. The report shall, at minimum, require disclosure of all of the following information:

(1) The total number of California debtor accounts purchased or collected on in the preceding year.

(2) The total dollar amount of California debtor accounts purchased in the preceding year.

(3) The face value dollar amount of California debtor accounts in the licensee’s portfolio in the preceding year.

(4) The total dollar amount of California debtor accounts collected in the preceding year, and the total dollar amount of outstanding debt that remains uncollected.

(5) The total dollar amount of net proceeds generated by California debtor accounts in the preceding year.

(6) Whether or not the licensee is acting as a debt collector, debt buyer, or both.

(7) The case number of any action in which the licensee was held liable by final judgment under Title 1.6C (commencing with Section 1788) or Title 1.6C.5 (commencing with Section 1788.50) of Part 4 of Division 3 of the Civil Code.

(b) The individual annual reports filed pursuant to this section shall be made available to the public for inspection.

(c) The report shall be made under oath and in the form prescribed by the commissioner.

(d) A licensee shall make other special reports that may be required by the commissioner.


text: A licensee that ceases to engage in debt collection shall inform the commissioner in writing and surrender the license and all other indicia of license to the commissioner.


text:
(a) As often as the commissioner deems necessary and appropriate, the commissioner shall examine the affairs of each licensee for compliance with this division. The commissioner shall appoint suitable persons to perform the examination. The commissioner and their appointees may examine the books, records, and documents of the licensee, and may examine the licensee’s officers, directors, employees, or agents under oath regarding the licensee’s debt collection operations.

(b) The commissioner may cooperate with any agency of the state, the federal government, or other states in performing license examinations.

(c) This section does not require the commissioner to conduct examinations at the business offices of licensees. Unless an onsite examination is considered necessary for the protection of the public, the commissioner may conduct some or all examinations without a site visit to the business office of a licensee, by requesting that licensees submit required books and records to the department electronically, via a secure portal.

(d) Unless otherwise exempt pursuant to Section 100001, affiliates of a licensee are subject to examination by the commissioner on the same terms as the licensee, but only when reports from, or examination of, a licensee provides documented evidence of unlawful activity between a licensee and affiliate benefitting, affecting, or arising from the activities regulated by this division.

(e) The cost of each examination of a licensee shall be paid to the commissioner by the licensee examined, and the commissioner may maintain an action for the recovery of the cost in any court of competent jurisdiction. In determining the cost of the examination, the commissioner may use the estimated average hourly cost for all persons performing examinations of licensees or other persons subject to this division for the fiscal year.

(f) The statement of the findings of an examination shall belong to the commissioner and shall not be disclosed to anyone other than the licensee, law enforcement officials, or other state or federal regulatory agencies for further investigation and enforcement. Reports required of licensees by the commissioner under this division and results of examinations performed by the commissioner under this division are the property of the commissioner.

(g) The commissioner shall provide a written statement of the findings of the examination, issue a copy of that statement to the licensee and take appropriate steps to ensure correction of any violations of this division.

(h) Notwithstanding any provision of this division, the commissioner shall have the authority to waive one or more branch office examinations, if the commissioner deems that the branch office examinations are not necessary for the protection of the public, due to the centralized operations of the licensee or other factors acceptable to the commissioner.

(i) In any proceeding under this division, the burden of proving an exemption or an exception from a definition is upon the person claiming it.

chapter: 4. Periodic Examination of Licensees

path: 25. DEBT COLLECTION LICENSING ACT > 4. Periodic Examination of Licensees


text:
(a) There is within the Department of Financial Protection and Innovation, a Debt Collection Advisory Committee.

(b) The Debt Collection Advisory Committee shall advise the commissioner on matters relating to debt collection or the debt collection business, including proposed fee schedules and the mechanics and feasibility of implementing requirements proposed in regulations.

(c) The Debt Collection Advisory Committee shall consist of seven members; one of whom shall represent consumers.

(1) The members of the Debt Collection Advisory Committee shall be appointed by the commissioner.

(2) The term of a member of the Debt Collection Advisory Committee shall be two years. However, a member may be reappointed.

(3) Membership in the Debt Collection Advisory Committee shall be voluntary. No person shall be required to accept an appointment to the Debt Collection Advisory Committee, and any member may resign at any time by filing a resignation with the commissioner.

(4) No member of the Debt Collection Advisory Committee shall receive any compensation, reimbursement for expenses, or other payment from the state in connection with service on the Debt Collection Advisory Committee.

(d) The Debt Collection Advisory Committee shall meet at least twice each calendar year.

(e) The commissioner may, by order or regulation, prescribe rules governing the Debt Collection Advisory Committee and its members, including, but not limited to, matters relating to meetings, quorum, and actions.

history: (History: Amended by Stats. 2022, Ch. 452, Sec. 166. (SB 1498) Effective January 1, 2023.)

chapter: 5. Advisory Committee

path: 25. DEBT COLLECTION LICENSING ACT > 5. Advisory Committee


text:
For purposes of this division, the following definitions apply:

(a) “Ammunition” has the same meaning as provided in subdivision (b) of Section 16150 of the Penal Code.

(b) “Firearm” has the same meaning as provided in subdivisions (a) and (b) of Section 16520 of the Penal Code.

(c) “Firearm accessory” means an attachment or device designed or adapted to be inserted into, affixed onto, or used in conjunction with a firearm that is designed, intended, or functions to alter or enhance the firing capabilities of a firearm, the lethality of the firearm, or a shooter’s ability to hold and use a firearm.

(d) “Firearms merchant” means a business licensed in California as a firearms dealer or ammunition vendor for which the highest sales value is, or is expected to be, from the combined sale in California of firearms, firearm accessories, or ammunition, as stated by the business to its merchant acquirer in the ordinary course of business.

(e) “Merchant acquirer” means an entity that establishes a relationship with a merchant for the purposes of processing credit, debit, or prepaid transactions.

(f) “Payment card network” means an entity that provides services that route transactions between bank participants to conduct debit, credit, or prepaid transactions for the purpose of authorization, clearance, or settlement.

history: (History: Added by Stats. 2023, Ch. 247, Sec. 1. (AB 1587) Effective January 1, 2024.)

division: 26. FIREARMS MERCHANT CATEGORY CODE

path: 26. FIREARMS MERCHANT CATEGORY CODE


text:
(a) By July 1, 2024, a payment card network shall make the merchant category code for firearms and ammunition businesses established by the International Organization for Standardization on September 9, 2022, available for merchant acquirers that provide payment services for firearms merchants.

(b) Beginning May 1, 2025, a merchant acquirer shall assign to a firearms merchant the merchant category code for firearms and ammunition businesses established by the International Organization for Standardization on September 9, 2022.

(c) A waiver of a provision of this division is contrary to public policy and is void and unenforceable.


text:
(a) The Attorney General has exclusive authority to enforce this division.

(b) Not later than the 30th day before bringing an action under subdivision (e), the Attorney General shall give written notice to the person or entity identifying the specific provisions of this chapter that are or were being violated.

(c) The Attorney General shall not bring an action under subdivision (e) if the person or entity who receives the notice described in subdivision (b) does both of the following:

(1) Cures the identified violation within 30 days of receiving the notice.

(2) Provides the Attorney General a written statement confirming that the person or entity has done all of the following:

(A) Cured the violation.

(B) Provided supporting documentation to show how the violation was cured.

(C) Made changes to internal policies to prevent the recurrence of violations in the future.

(d) A person or entity who violates this division and fails to cure the violation in accordance with subdivision (c) shall be liable as provided in subdivision (e).

(e) (1) The Attorney General may bring a civil action to enforce this division and remedy harm caused by a violation of this division.

(2) If a court determines that a person or entity has violated this division, the court shall award all of the following relief:

(A) A civil penalty in the amount of ten thousand dollars ($10,000) for each violation.

(B) Injunctive relief sufficient to prevent the person or entity from further violations of this division.

(C) Reasonable attorney’s fees and costs incurred in investigating and bringing an action under this division.

history: (History: Amended by Stats. 2024, Ch. 80, Sec. 45. (SB 1525) Effective January 1, 2025.)


kind: division

title: FINANCIAL INSTITUTIONS

path: 1. FINANCIAL INSTITUTIONS


kind: chapter

title: Definitions

path: 1. FINANCIAL INSTITUTIONS > 1. Definitions


title: Transition Provisions

path: 1. FINANCIAL INSTITUTIONS > 2. Transition Provisions


path: 1. FINANCIAL INSTITUTIONS > 3. Department of Financial Protection and Innovation


kind: article

title: General Provisions

path: 1. FINANCIAL INSTITUTIONS > 3. Department of Financial Protection and Innovation > 1. General Provisions


path: 1. FINANCIAL INSTITUTIONS > 3. Department of Financial Protection and Innovation > 2. Commissioner of Financial Protection and Innovation


title: Deputies and Employees

path: 1. FINANCIAL INSTITUTIONS > 3. Department of Financial Protection and Innovation > 3. Deputies and Employees


title: Administration of the Department

path: 1. FINANCIAL INSTITUTIONS > 3. Department of Financial Protection and Innovation > 4. Administration of the Department


title: Financial Institutions Fund

path: 1. FINANCIAL INSTITUTIONS > 3. Department of Financial Protection and Innovation > 5. Financial Institutions Fund


title: State Banking Account

path: 1. FINANCIAL INSTITUTIONS > 3. Department of Financial Protection and Innovation > 6. State Banking Account


title: Operations

path: 1. FINANCIAL INSTITUTIONS > 4. Operations


title: Examinations and Reports-Banking

path: 1. FINANCIAL INSTITUTIONS > 5. Examinations and Reports-Banking


title: Examination

path: 1. FINANCIAL INSTITUTIONS > 5. Examinations and Reports-Banking > 1. Examination


title: Reports

path: 1. FINANCIAL INSTITUTIONS > 5. Examinations and Reports-Banking > 2. Reports


title: Nonsufficient Funds Fees

path: 1. FINANCIAL INSTITUTIONS > 5.5. Nonsufficient Funds Fees


title: Enforcement

path: 1. FINANCIAL INSTITUTIONS > 6. Enforcement


title: General Provisions

path: 1. FINANCIAL INSTITUTIONS > 6. Enforcement > 1. General Provisions


path: 1. FINANCIAL INSTITUTIONS > 6. Enforcement > 2. Actions Involving the Conduct of Business by Unauthorized Persons


path: 1. FINANCIAL INSTITUTIONS > 6. Enforcement > 3. Orders Against Licensees and Subject Persons


path: 1. FINANCIAL INSTITUTIONS > 6. Enforcement > 4. Suspension or Removal of Subject Persons


title: Suspension or Possession of a License

path: 1. FINANCIAL INSTITUTIONS > 6. Enforcement > 5. Suspension or Possession of a License


title: Liquidation and Conservation

path: 1. FINANCIAL INSTITUTIONS > 7. Liquidation and Conservation


title: General Provisions

path: 1. FINANCIAL INSTITUTIONS > 7. Liquidation and Conservation > 1. General Provisions


path: 1. FINANCIAL INSTITUTIONS > 7. Liquidation and Conservation > 2. Conservation or Liquidation of an Insured Licensee


path: 1. FINANCIAL INSTITUTIONS > 7. Liquidation and Conservation > 3. Conservatorship of an Uninsured Licensee


title: Liquidation of an Uninsured Licensee

path: 1. FINANCIAL INSTITUTIONS > 7. Liquidation and Conservation > 4. Liquidation of an Uninsured Licensee


title: Disposal of Unclaimed Trust Property

path: 1. FINANCIAL INSTITUTIONS > 7. Liquidation and Conservation > 5. Disposal of Unclaimed Trust Property


title: Priorities

path: 1. FINANCIAL INSTITUTIONS > 7. Liquidation and Conservation > 6. Priorities


title: Voluntary Liquidation

path: 1. FINANCIAL INSTITUTIONS > 8. Voluntary Liquidation


path: 1. FINANCIAL INSTITUTIONS > 9. Approval of Names of Nonbank Corporations


title: Legal Investments for Nonbank Licensees

path: 1. FINANCIAL INSTITUTIONS > 10. Legal Investments for Nonbank Licensees


path: 1. FINANCIAL INSTITUTIONS > 11. Financial Abuse of Victims of Domestic Violence


title: BANKING

path: 1.1. BANKING


title: General Provisions

path: 1.1. BANKING > 1. General Provisions


title: Application

path: 1.1. BANKING > 2. Application


title: Authorization to Engage in Banking

path: 1.1. BANKING > 3. Authorization to Engage in Banking


title: Bank Offices

path: 1.1. BANKING > 4. Bank Offices


title: Bank Extraordinary Situation Closing

path: 1.1. BANKING > 4.5. Bank Extraordinary Situation Closing


title: Corporate Requirements

path: 1.1. BANKING > 5. Corporate Requirements


title: Articles, Bylaws, and Names

path: 1.1. BANKING > 5. Corporate Requirements > 1. Articles, Bylaws, and Names


title: Shares

path: 1.1. BANKING > 5. Corporate Requirements > 2. Shares


title: Distributions to Shareholders

path: 1.1. BANKING > 5. Corporate Requirements > 3. Distributions to Shareholders


title: Shareholders’ Equity

path: 1.1. BANKING > 5. Corporate Requirements > 4. Shareholders’ Equity


title: Directors

path: 1.1. BANKING > 5. Corporate Requirements > 5. Directors


title: Shareholders

path: 1.1. BANKING > 5. Corporate Requirements > 6. Shareholders


title: Securities

path: 1.1. BANKING > 6. Securities


title: Acquisition of Control

path: 1.1. BANKING > 7. Acquisition of Control


title: Bank Holding Companies

path: 1.1. BANKING > 8. Bank Holding Companies


title: Authorizations for Banks

path: 1.1. BANKING > 9. Authorizations for Banks


title: Restrictions and Prohibited Practices

path: 1.1. BANKING > 10. Restrictions and Prohibited Practices


title: General Provisions

path: 1.1. BANKING > 10. Restrictions and Prohibited Practices > 1. General Provisions


title: Loans to Insiders

path: 1.1. BANKING > 10. Restrictions and Prohibited Practices > 2. Loans to Insiders


title: Agency Activities

path: 1.1. BANKING > 11. Agency Activities


title: General Provisions

path: 1.1. BANKING > 11. Agency Activities > 1. General Provisions


title: California State Bank as Principal

path: 1.1. BANKING > 11. Agency Activities > 2. California State Bank as Principal


title: California State Bank as Agent

path: 1.1. BANKING > 11. Agency Activities > 3. California State Bank as Agent


title: Deposits

path: 1.1. BANKING > 12. Deposits


title: Depositors

path: 1.1. BANKING > 12. Deposits > 1. Depositors


path: 1.1. BANKING > 12. Deposits > 2. Disclosure of Delayed Availability Policy


title: Dormant Accounts

path: 1.1. BANKING > 12. Deposits > 3. Dormant Accounts


title: Withdrawals and Collections

path: 1.1. BANKING > 13. Withdrawals and Collections


title: General

path: 1.1. BANKING > 13. Withdrawals and Collections > 1. General


title: Certified Checks

path: 1.1. BANKING > 13. Withdrawals and Collections > 2. Certified Checks


title: Loans and Investments

path: 1.1. BANKING > 14. Loans and Investments


title: General Provisions

path: 1.1. BANKING > 14. Loans and Investments > 1. General Provisions


title: Loan and Investment Limitations

path: 1.1. BANKING > 14. Loans and Investments > 2. Loan and Investment Limitations


title: Loan Limits

path: 1.1. BANKING > 14. Loans and Investments > 3. Loan Limits


title: Investments

path: 1.1. BANKING > 14. Loans and Investments > 4. Investments


title: Miscellaneous

path: 1.1. BANKING > 14. Loans and Investments > 5. Miscellaneous


title: Industrial Banks

path: 1.1. BANKING > 15. Industrial Banks


title: General Provisions

path: 1.1. BANKING > 15. Industrial Banks > 1. General Provisions


title: Industrial Bank Business

path: 1.1. BANKING > 15. Industrial Banks > 2. Industrial Bank Business


title: Trust Companies

path: 1.1. BANKING > 16. Trust Companies


title: General Provisions

path: 1.1. BANKING > 16. Trust Companies > 1. General Provisions


title: Fiduciary Activities

path: 1.1. BANKING > 16. Trust Companies > 2. Fiduciary Activities


title: Deposits with State Treasurer

path: 1.1. BANKING > 16. Trust Companies > 3. Deposits with State Treasurer


title: Investments

path: 1.1. BANKING > 16. Trust Companies > 4. Investments


title: Miscellaneous

path: 1.1. BANKING > 16. Trust Companies > 5. Miscellaneous


title: Safe Deposit

path: 1.1. BANKING > 17. Safe Deposit


title: General Provisions

path: 1.1. BANKING > 17. Safe Deposit > 1. General Provisions


title: Remedies for Nonpayment of Rent

path: 1.1. BANKING > 17. Safe Deposit > 2. Remedies for Nonpayment of Rent


title: Interstate Acquisitions

path: 1.1. BANKING > 18. Interstate Acquisitions


title: Foreign (Other State) Banks

path: 1.1. BANKING > 19. Foreign (Other State) Banks


title: General Provisions

path: 1.1. BANKING > 19. Foreign (Other State) Banks > 1. General Provisions


title: California Branch Offices

path: 1.1. BANKING > 19. Foreign (Other State) Banks > 2. California Branch Offices


path: 1.1. BANKING > 19. Foreign (Other State) Banks > 3. Facilities of Insured Foreign (Other State) Banks


path: 1.1. BANKING > 19. Foreign (Other State) Banks > 4. Facilities of Uninsured Foreign (Other State) Banks


title: Foreign (Other Nation) Banks

path: 1.1. BANKING > 20. Foreign (Other Nation) Banks


title: General Provisions

path: 1.1. BANKING > 20. Foreign (Other Nation) Banks > 1. General Provisions


title: Representative Offices

path: 1.1. BANKING > 20. Foreign (Other Nation) Banks > 2. Representative Offices


title: Agencies and Branch Offices

path: 1.1. BANKING > 20. Foreign (Other Nation) Banks > 3. Agencies and Branch Offices


title: Voluntary Surrender of License

path: 1.1. BANKING > 20. Foreign (Other Nation) Banks > 4. Voluntary Surrender of License


title: Enforcement

path: 1.1. BANKING > 20. Foreign (Other Nation) Banks > 5. Enforcement


path: 1.1. BANKING > 21. International and Foreign Banking and Financing


path: 1.1. BANKING > 21. International and Foreign Banking and Financing > 1. International and Foreign Banking and Financing Corporations


path: 1.1. BANKING > 21. International and Foreign Banking and Financing > 2. Bank Investments in International or Foreign Banking or Financing Companies Organized Under the Laws of the United States


path: 1.1. BANKING > 21. International and Foreign Banking and Financing > 3. Bank Investments in International or Foreign Banking or Financing Corporations Organized Under the Laws of any State of the United States


title: Bank Investments in Foreign Banks

path: 1.1. BANKING > 21. International and Foreign Banking and Financing > 4. Bank Investments in Foreign Banks


title: MONEY TRANSMISSION ACT

path: 1.2. MONEY TRANSMISSION ACT


title: General Provisions

path: 1.2. MONEY TRANSMISSION ACT > 1. General Provisions


title: Exemptions

path: 1.2. MONEY TRANSMISSION ACT > 2. Exemptions


title: Licenses

path: 1.2. MONEY TRANSMISSION ACT > 3. Licenses


title: Agents

path: 1.2. MONEY TRANSMISSION ACT > 4. Agents


title: Eligible Securities

path: 1.2. MONEY TRANSMISSION ACT > 5. Eligible Securities


title: Consumer Disclosures

path: 1.2. MONEY TRANSMISSION ACT > 6. Consumer Disclosures


path: 1.2. MONEY TRANSMISSION ACT > 7. Examinations, Special Reports, and Records


title: Additional Enforcement Provisions

path: 1.2. MONEY TRANSMISSION ACT > 8. Additional Enforcement Provisions


title: Miscellaneous Provisions

path: 1.2. MONEY TRANSMISSION ACT > 9. Miscellaneous Provisions


title: DIGITAL FINANCIAL ASSETS BUSINESSES

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES


title: General Provisions

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 1. General Provisions


title: Licensure

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 2. Licensure


title: Examination

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 3. Examination


title: Enforcement

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 4. Enforcement


title: Disclosures and Protections

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 5. Disclosures and Protections


title: Policies and Procedures

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 7. Policies and Procedures


title: Miscellaneous Provisions

path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 8. Miscellaneous Provisions


path: 1.25. DIGITAL FINANCIAL ASSETS BUSINESSES > 9. Digital Financial Asset Transaction Kiosks


path: 1.3. THE SETTING OF FEES IN CONSUMER CREDIT AGREEMENTS AND RELATED CONSUMER PROTECTIONS


path: 1.4. CALIFORNIA FINANCIAL INFORMATION PRIVACY ACT


title: FINANCIAL INSTITUTIONS

path: 1.5. FINANCIAL INSTITUTIONS


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION


title: General Provisions

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 1. General Provisions


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 1. General Provisions > 1. Short Title, Construction, and Severability


title: Definitions

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 1. General Provisions > 2. Definitions


title: Other General Provisions

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 1. General Provisions > 3. Other General Provisions


title: Administration

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 2. Administration


title: Sale

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale


title: General Provisions

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale > 1. General Provisions


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale > 2. Sale of Whole Business Unit to California State Depository Corporation or California State-Licensed Foreign (Other Nation) Bank


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale > 3. Sale of Whole Business Unit to Federal Depository Corporation, California Federally Licensed Foreign (Other Nation) Bank, or Insured Foreign (Other State) State Depository Corporation


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale > 3.5. Sale of Whole Business Unit of California State Independent Trust Company to Uninsured Foreign (Other State) State Depository Corporation


title: Certain Sales of Partial Business Units

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale > 4. Certain Sales of Partial Business Units


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale > 4.5. Sale of Partial Trust Business Unit by California State Bank or Savings Association to Uninsured Foreign (Other State) State Depository Corporation


title: Other Sales of Partial Business Units

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 3. Sale > 5. Other Sales of Partial Business Units


title: Merger

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 4. Merger


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 4. Merger > 1. Merger Into California State Depository Corporation


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 4. Merger > 2. Merger Into California State-Licensed Foreign (Other Nation) Bank


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 4. Merger > 3. Merger Into Federal Depository Corporation, California Federally Licensed Foreign (Other Nation) Bank, or Insured Foreign (Other State) State Depository Corporation


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 4. Merger > 4. Merger of California State Independent Trust Company into Uninsured Foreign (Other State) Depository Corporation


title: Conversion

path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 5. Conversion


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 5. Conversion > 1. Conversion of California State Depository Corporation Into California State Depository Corporation


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 5. Conversion > 2. Conversion of Federal Depository Corporation Into California State Depository Corporation


path: 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION > 5. Conversion > 3. Conversion of California State Depository Corporation Into Federal Depository Corporation


title: COVERED LOANS

path: 1.7. COVERED LOANS


title: General Provisions and Definitions

path: 1.7. COVERED LOANS > 1. General Provisions and Definitions


title: Prohibited Acts

path: 1.7. COVERED LOANS > 2. Prohibited Acts


title: Enforcement

path: 1.7. COVERED LOANS > 3. Enforcement


title: SECURITIES SALES

path: 1.8. SECURITIES SALES


path: 1.9. PERSONS CONNECTED WITH FINANCIAL INSTITUTIONS


title: HIGHER-PRICED MORTGAGE LOANS

path: 1.10. HIGHER-PRICED MORTGAGE LOANS


title: SAVINGS ASSOCIATION LAW

path: 2. SAVINGS ASSOCIATION LAW


path: 2. SAVINGS ASSOCIATION LAW > 1. Short Title, General Definitions, and General Provisions


title: Short Title

path: 2. SAVINGS ASSOCIATION LAW > 1. Short Title, General Definitions, and General Provisions > 1. Short Title


title: General Definitions

path: 2. SAVINGS ASSOCIATION LAW > 1. Short Title, General Definitions, and General Provisions > 2. General Definitions


title: General Provisions

path: 2. SAVINGS ASSOCIATION LAW > 1. Short Title, General Definitions, and General Provisions > 3. General Provisions


title: Penalties

path: 2. SAVINGS ASSOCIATION LAW > 1. Short Title, General Definitions, and General Provisions > 4. Penalties


title: Criminal Forfeiture

path: 2. SAVINGS ASSOCIATION LAW > 1. Short Title, General Definitions, and General Provisions > 5. Criminal Forfeiture


title: Civil Penalties

path: 2. SAVINGS ASSOCIATION LAW > 1. Short Title, General Definitions, and General Provisions > 6. Civil Penalties


path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes


title: Organizing Permit

path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 1. Organizing Permit


title: Petition for Certificate of Authority

path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 2. Petition for Certificate of Authority


path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 3. Postincorporation Organization of Associations


title: Issuance of Stock and Certificates

path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 4. Issuance of Stock and Certificates


title: Association Name, Office

path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 5. Association Name, Office


title: Conversions

path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 6. Conversions


path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 7. Power to Reorganize, Merge, Consolidate, or Transfer Assets


path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 8. Holding Companies and Stock Acquisitions


title: Dissolution

path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 9. Dissolution


title: Mutual Holding Companies

path: 2. SAVINGS ASSOCIATION LAW > 2. Corporate Organization and Corporate Changes > 10. Mutual Holding Companies


title: Corporate Administration

path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration


path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration > 1. Meetings of Members of Mutual Associations


path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration > 2. Access to Books and Records; Communication with Stockholders or Members; Derivative Actions


title: Financial Statement Publication

path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration > 3. Financial Statement Publication


title: Directors

path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration > 4. Directors


title: Indemnity Bonds

path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration > 5. Indemnity Bonds


title: Records

path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration > 6. Records


title: Statutory Net Worth; Reserve Accounts

path: 2. SAVINGS ASSOCIATION LAW > 3. Corporate Administration > 7. Statutory Net Worth; Reserve Accounts


title: Powers of Associations

path: 2. SAVINGS ASSOCIATION LAW > 4. Powers of Associations


title: General Powers

path: 2. SAVINGS ASSOCIATION LAW > 4. Powers of Associations > 1. General Powers


title: Branching and Agency Powers

path: 2. SAVINGS ASSOCIATION LAW > 4. Powers of Associations > 2. Branching and Agency Powers


title: Savings Operations

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations


title: Savings Liability

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 1. Savings Liability


title: Savings Accounts

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 2. Savings Accounts


title: Contracts for Savings Programs

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 3. Contracts for Savings Programs


title: Powers of Attorney on Savings Accounts

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 4. Powers of Attorney on Savings Accounts


title: Married Persons and Minors

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 5. Married Persons and Minors


title: Multiple-Party Accounts

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 6. Multiple-Party Accounts


path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 7. Accounts of Administrators, Executors, Guardians, Custodians, Trustees, and Other Fiduciaries


title: Accounts of Incompetents

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 8. Accounts of Incompetents


title: Accounts of Deceased Nonresidents

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 9. Accounts of Deceased Nonresidents


path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 10. Savings Accounts as Legal Investments and as Security; Public Funds


title: Interest

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 11. Interest


title: Withdrawals

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 12. Withdrawals


title: Redemption

path: 2. SAVINGS ASSOCIATION LAW > 5. Savings Operations > 13. Redemption


title: Investment Operations

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations


title: Required Liquidity

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 1. Required Liquidity


title: Investment in Securities

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 2. Investment in Securities


path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 2.5. Other Authorized Investments in Bonds and Securities


title: Investment in Business Property

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 3. Investment in Business Property


title: Purchase of Real Estate

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 4. Purchase of Real Estate


title: Investment in Loans

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 5. Investment in Loans


title: Real Estate Loans

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 6. Real Estate Loans


title: Successors in Interest in Loans

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 7. Successors in Interest in Loans


title: Salvage of Loans and Investments

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 8. Salvage of Loans and Investments


title: Usury Exemption

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 9. Usury Exemption


title: Finance Leasing

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 10. Finance Leasing


title: Leasing

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 10.5. Leasing


title: Hazard Insurance

path: 2. SAVINGS ASSOCIATION LAW > 6. Investment Operations > 11. Hazard Insurance


title: Supervision

path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision


title: Department of Savings and Loan

path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision > 1. Department of Savings and Loan


title: Savings and Loan Account

path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision > 2. Savings and Loan Account


path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision > 3. General Supervisory Powers and Duties of Commissioner


title: Reports and Examinations

path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision > 4. Reports and Examinations


title: Enforcement

path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision > 5. Enforcement


title: Conservatorship

path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision > 6. Conservatorship


title: Receivership

path: 2. SAVINGS ASSOCIATION LAW > 7. Supervision > 7. Receivership


title: Federal Associations

path: 2. SAVINGS ASSOCIATION LAW > 8. Federal Associations


title: Fees

path: 2. SAVINGS ASSOCIATION LAW > 9. Fees


title: Foreign (National) Savings Companies

path: 2. SAVINGS ASSOCIATION LAW > 10. Foreign (National) Savings Companies


path: 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS


title: Definitions

path: 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS > 1. Definitions


title: Application of Division

path: 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS > 2. Application of Division


title: Licensing

path: 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS > 3. Licensing


title: Licensee Regulations

path: 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS > 4. Licensee Regulations


title: Revocation of Licenses

path: 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS > 5. Revocation of Licenses


title: AUTOMATED TELLER MACHINES: USER SAFETY

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY


title: Intent

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY > 1. Intent


title: Definitions

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY > 2. Definitions


title: Location and Installation

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY > 3. Location and Installation


title: Lighting

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY > 4. Lighting


title: Consumer Education

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY > 5. Consumer Education


title: Exemptions

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY > 6. Exemptions


title: Effect of Compliance

path: 4. AUTOMATED TELLER MACHINES: USER SAFETY > 7. Effect of Compliance


path: 4.5. AUTOMATED TELLER MACHINE SURCHARGE DISCLOSURE


title: CREDIT UNIONS

path: 5. CREDIT UNIONS


title: General Provisions

path: 5. CREDIT UNIONS > 1. General Provisions


title: Definitions

path: 5. CREDIT UNIONS > 1. General Provisions > 1. Definitions


title: General

path: 5. CREDIT UNIONS > 1. General Provisions > 2. General


title: Formation

path: 5. CREDIT UNIONS > 2. Formation


title: Incorporation and Bylaws

path: 5. CREDIT UNIONS > 2. Formation > 1. Incorporation and Bylaws


title: Certificate to Act as a Credit Union

path: 5. CREDIT UNIONS > 2. Formation > 2. Certificate to Act as a Credit Union


path: 5. CREDIT UNIONS > 3. Administration and Powers of the Commissioner


title: General

path: 5. CREDIT UNIONS > 3. Administration and Powers of the Commissioner > 1. General


title: Examinations and Reports

path: 5. CREDIT UNIONS > 3. Administration and Powers of the Commissioner > 2. Examinations and Reports


title: Enforcement

path: 5. CREDIT UNIONS > 3. Administration and Powers of the Commissioner > 3. Enforcement


title: Costs of Administration

path: 5. CREDIT UNIONS > 3. Administration and Powers of the Commissioner > 4. Costs of Administration


title: Credit Union Advisory Committee

path: 5. CREDIT UNIONS > 3. Administration and Powers of the Commissioner > 5. Credit Union Advisory Committee


title: Management and Operations

path: 5. CREDIT UNIONS > 4. Management and Operations


title: General

path: 5. CREDIT UNIONS > 4. Management and Operations > 1. General


title: Directors

path: 5. CREDIT UNIONS > 4. Management and Operations > 2. Directors


title: Officers

path: 5. CREDIT UNIONS > 4. Management and Operations > 3. Officers


title: Supervisory Committee

path: 5. CREDIT UNIONS > 4. Management and Operations > 4. Supervisory Committee


title: Credit Committee and Loan Officers

path: 5. CREDIT UNIONS > 4. Management and Operations > 5. Credit Committee and Loan Officers


title: Investments

path: 5. CREDIT UNIONS > 4. Management and Operations > 6. Investments


title: Reserves

path: 5. CREDIT UNIONS > 4. Management and Operations > 7. Reserves


title: Penalties

path: 5. CREDIT UNIONS > 4. Management and Operations > 8. Penalties


title: Members

path: 5. CREDIT UNIONS > 5. Members


path: 5. CREDIT UNIONS > 6. Share Accounts and Certificates for Funds


title: General

path: 5. CREDIT UNIONS > 6. Share Accounts and Certificates for Funds > 1. General


title: Dividends

path: 5. CREDIT UNIONS > 6. Share Accounts and Certificates for Funds > 2. Dividends


title: Loans

path: 5. CREDIT UNIONS > 7. Loans


title: General

path: 5. CREDIT UNIONS > 7. Loans > 1. General


title: Maximum Charges and Fees

path: 5. CREDIT UNIONS > 7. Loans > 2. Maximum Charges and Fees


path: 5. CREDIT UNIONS > 7. Loans > 3. Loans to Directors, Officers and Committee Members


title: Limitations

path: 5. CREDIT UNIONS > 7. Loans > 4. Limitations


title: Merger, Dissolution and Conversion

path: 5. CREDIT UNIONS > 9. Merger, Dissolution and Conversion


title: Merger

path: 5. CREDIT UNIONS > 9. Merger, Dissolution and Conversion > 1. Merger


title: Dissolution

path: 5. CREDIT UNIONS > 9. Merger, Dissolution and Conversion > 2. Dissolution


title: Conversion Into Federal Credit Unions

path: 5. CREDIT UNIONS > 9. Merger, Dissolution and Conversion > 3. Conversion Into Federal Credit Unions


title: Conversion of Federal Credit Union

path: 5. CREDIT UNIONS > 9. Merger, Dissolution and Conversion > 4. Conversion of Federal Credit Union


title: Central Credit Union

path: 5. CREDIT UNIONS > 10. Central Credit Union


title: Definition

path: 5. CREDIT UNIONS > 10. Central Credit Union > 1. Definition


title: General

path: 5. CREDIT UNIONS > 10. Central Credit Union > 2. General


title: Foreign (Other State) Credit Unions

path: 5. CREDIT UNIONS > 11. Foreign (Other State) Credit Unions


title: General Provisions

path: 5. CREDIT UNIONS > 11. Foreign (Other State) Credit Unions > 1. General Provisions


path: 5. CREDIT UNIONS > 11. Foreign (Other State) Credit Unions > 2. Establishment of a California Branch Office or California Facility


path: 5. CREDIT UNIONS > 11. Foreign (Other State) Credit Unions > 5. Relocation or Discontinuance of California Branch Office or California Facility


title: Conduct of Credit Union Business

path: 5. CREDIT UNIONS > 11. Foreign (Other State) Credit Unions > 6. Conduct of Credit Union Business


title: Examination, Reports, and Records

path: 5. CREDIT UNIONS > 11. Foreign (Other State) Credit Unions > 7. Examination, Reports, and Records


title: Enforcement

path: 5. CREDIT UNIONS > 11. Foreign (Other State) Credit Unions > 9. Enforcement


title: Foreign (Other Nation) Credit Unions

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions


title: General Provisions

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions > 1. General Provisions


title: Representative Offices

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions > 2. Representative Offices


title: Branch Offices and Agencies

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions > 3. Branch Offices and Agencies


title: Conduct of Credit Union Business

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions > 6. Conduct of Credit Union Business


title: Examination, Reports, and Records

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions > 7. Examination, Reports, and Records


title: Voluntary Surrender of License

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions > 8. Voluntary Surrender of License


title: Enforcement

path: 5. CREDIT UNIONS > 12. Foreign (Other Nation) Credit Unions > 9. Enforcement


title: ESCROW AGENTS

path: 6. ESCROW AGENTS


title: Application of This Division

path: 6. ESCROW AGENTS > 1. Application of This Division


title: License and Bond

path: 6. ESCROW AGENTS > 2. License and Bond


title: Escrow Agents’ Fidelity Corporation

path: 6. ESCROW AGENTS > 2.5. Escrow Agents’ Fidelity Corporation


title: Definitions

path: 6. ESCROW AGENTS > 2.5. Escrow Agents’ Fidelity Corporation > 1. Definitions


title: Purpose: Scope of Guarantee

path: 6. ESCROW AGENTS > 2.5. Escrow Agents’ Fidelity Corporation > 2. Purpose: Scope of Guarantee


title: Membership Fee and Assessments

path: 6. ESCROW AGENTS > 2.5. Escrow Agents’ Fidelity Corporation > 3. Membership Fee and Assessments


title: General Provisions

path: 6. ESCROW AGENTS > 2.5. Escrow Agents’ Fidelity Corporation > 4. General Provisions


title: Escrow Regulations

path: 6. ESCROW AGENTS > 3. Escrow Regulations


title: Revocation of License

path: 6. ESCROW AGENTS > 4. Revocation of License


title: Hearings

path: 6. ESCROW AGENTS > 5. Hearings


title: Liquidation and Conservatorship

path: 6. ESCROW AGENTS > 6. Liquidation and Conservatorship


title: Possession by Commissioner

path: 6. ESCROW AGENTS > 6. Liquidation and Conservatorship > 1. Possession by Commissioner


title: Conservatorship

path: 6. ESCROW AGENTS > 6. Liquidation and Conservatorship > 2. Conservatorship


title: Liquidation by the Commissioner

path: 6. ESCROW AGENTS > 6. Liquidation and Conservatorship > 3. Liquidation by the Commissioner


title: Crimes and Civil Penalties

path: 6. ESCROW AGENTS > 7. Crimes and Civil Penalties


title: INDUSTRIAL LOAN COMPANIES

path: 7. INDUSTRIAL LOAN COMPANIES


title: General Provisions

path: 7. INDUSTRIAL LOAN COMPANIES > 1. General Provisions


title: Definitions

path: 7. INDUSTRIAL LOAN COMPANIES > 1. General Provisions > 1. Definitions


title: General Provisions

path: 7. INDUSTRIAL LOAN COMPANIES > 1. General Provisions > 2. General Provisions


title: Real Property Held

path: 7. INDUSTRIAL LOAN COMPANIES > 1. General Provisions > 3. Real Property Held


title: Advertising

path: 7. INDUSTRIAL LOAN COMPANIES > 1. General Provisions > 4. Advertising


title: Formation and Organization

path: 7. INDUSTRIAL LOAN COMPANIES > 2. Formation and Organization


title: General

path: 7. INDUSTRIAL LOAN COMPANIES > 2. Formation and Organization > 1. General


title: Applications

path: 7. INDUSTRIAL LOAN COMPANIES > 2. Formation and Organization > 2. Applications


title: Capitalization

path: 7. INDUSTRIAL LOAN COMPANIES > 2. Formation and Organization > 3. Capitalization


title: Branch Offices

path: 7. INDUSTRIAL LOAN COMPANIES > 2. Formation and Organization > 4. Branch Offices


title: Change of Location

path: 7. INDUSTRIAL LOAN COMPANIES > 2. Formation and Organization > 5. Change of Location


title: Loans and Purchased Obligations

path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations


title: General

path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations > 1. General


title: Terms and Maximum Charges

path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations > 2. Terms and Maximum Charges


title: Disclosure and Loan Documents

path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations > 3. Disclosure and Loan Documents


title: Credit Cards

path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations > 4. Credit Cards


path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations > 5. Limitations and Regulations of Loans and Purchased Obligations


title: Insurance Sold With Loans

path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations > 6. Insurance Sold With Loans


title: Open-End Loans

path: 7. INDUSTRIAL LOAN COMPANIES > 3. Loans and Purchased Obligations > 6.5. Open-End Loans


title: Investment Certificates

path: 7. INDUSTRIAL LOAN COMPANIES > 4. Investment Certificates


path: 7. INDUSTRIAL LOAN COMPANIES > 5. Administration and Powers of the Commissioner


title: General

path: 7. INDUSTRIAL LOAN COMPANIES > 5. Administration and Powers of the Commissioner > 1. General


title: Examinations

path: 7. INDUSTRIAL LOAN COMPANIES > 5. Administration and Powers of the Commissioner > 2. Examinations


title: Reports and Financial Statements

path: 7. INDUSTRIAL LOAN COMPANIES > 5. Administration and Powers of the Commissioner > 3. Reports and Financial Statements


path: 7. INDUSTRIAL LOAN COMPANIES > 5. Administration and Powers of the Commissioner > 4. Possession, Conservatorship, and Liquidation by the Commissioner


title: Securities Transactions

path: 7. INDUSTRIAL LOAN COMPANIES > 5. Administration and Powers of the Commissioner > 5. Securities Transactions


title: Prohibited Practices and Penalties

path: 7. INDUSTRIAL LOAN COMPANIES > 6. Prohibited Practices and Penalties


title: Guarantee of Thrift Accounts

path: 7. INDUSTRIAL LOAN COMPANIES > 7. Guarantee of Thrift Accounts


title: Definitions

path: 7. INDUSTRIAL LOAN COMPANIES > 7. Guarantee of Thrift Accounts > 1. Definitions


title: General

path: 7. INDUSTRIAL LOAN COMPANIES > 7. Guarantee of Thrift Accounts > 2. General


path: 7. INDUSTRIAL LOAN COMPANIES > 7. Guarantee of Thrift Accounts > 3. Purpose and Scope of Guaranty Corporation


title: Assessments

path: 7. INDUSTRIAL LOAN COMPANIES > 7. Guarantee of Thrift Accounts > 4. Assessments


title: Insurance Premium Financing

path: 7. INDUSTRIAL LOAN COMPANIES > 8. Insurance Premium Financing


title: Definitions

path: 7. INDUSTRIAL LOAN COMPANIES > 8. Insurance Premium Financing > 1. Definitions


title: General

path: 7. INDUSTRIAL LOAN COMPANIES > 8. Insurance Premium Financing > 2. General


path: 7. INDUSTRIAL LOAN COMPANIES > 8. Insurance Premium Financing > 3. Provisions of Premium Finance Agreements


title: Limitation on Finance Charges

path: 7. INDUSTRIAL LOAN COMPANIES > 8. Insurance Premium Financing > 4. Limitation on Finance Charges


title: Charges on Scheduled Balances

path: 7. INDUSTRIAL LOAN COMPANIES > 8. Insurance Premium Financing > 5. Charges on Scheduled Balances


title: Interstate Acquisitions

path: 7. INDUSTRIAL LOAN COMPANIES > 9. Interstate Acquisitions


path: 7. INDUSTRIAL LOAN COMPANIES > 10. Foreign (Other State) Industrial Loan Companies: Agency Activities


title: General Provisions

path: 7. INDUSTRIAL LOAN COMPANIES > 10. Foreign (Other State) Industrial Loan Companies: Agency Activities > 1. General Provisions


path: 7. INDUSTRIAL LOAN COMPANIES > 10. Foreign (Other State) Industrial Loan Companies: Agency Activities > 2. Facilities of Insured Foreign (Other State) Industrial Loan Companies


title: California Branch Offices

path: 7. INDUSTRIAL LOAN COMPANIES > 10. Foreign (Other State) Industrial Loan Companies: Agency Activities > 3. California Branch Offices


path: 7. INDUSTRIAL LOAN COMPANIES > 10. Foreign (Other State) Industrial Loan Companies: Agency Activities > 4. California Industrial Loan Company as Principal


path: 7. INDUSTRIAL LOAN COMPANIES > 10. Foreign (Other State) Industrial Loan Companies: Agency Activities > 5. California Industrial Loan Company as Agent


title: PAWNBROKERS

path: 8. PAWNBROKERS


title: General Provisions

path: 8. PAWNBROKERS > 1. General Provisions


title: Definitions

path: 8. PAWNBROKERS > 1. General Provisions > 1. Definitions


title: Exceptions to This Division

path: 8. PAWNBROKERS > 1. General Provisions > 2. Exceptions to This Division


title: Pawnbroker Regulations

path: 8. PAWNBROKERS > 2. Pawnbroker Regulations


title: Licensure

path: 8. PAWNBROKERS > 3. Licensure


title: Pawnbroker Education Act

path: 8. PAWNBROKERS > 4. Pawnbroker Education Act


title: CALIFORNIA FINANCING LAW

path: 9. CALIFORNIA FINANCING LAW


title: General Provisions

path: 9. CALIFORNIA FINANCING LAW > 1. General Provisions


title: Definitions

path: 9. CALIFORNIA FINANCING LAW > 1. General Provisions > 1. Definitions


title: Exemptions

path: 9. CALIFORNIA FINANCING LAW > 1. General Provisions > 2. Exemptions


title: Licensing

path: 9. CALIFORNIA FINANCING LAW > 1. General Provisions > 3. Licensing


title: Regulations

path: 9. CALIFORNIA FINANCING LAW > 1. General Provisions > 4. Regulations


title: Consumer Loans

path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans


title: Definitions

path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans > 1. Definitions


title: Exemptions

path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans > 2. Exemptions


title: Loan Regulations

path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans > 3. Loan Regulations


path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans > 3.6. Pilot Program for Increased Access to Responsible Small Dollar Loans


title: Charges On Scheduled Balances

path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans > 4. Charges On Scheduled Balances


title: Open-End Loan Programs

path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans > 5. Open-End Loan Programs


title: Disclosure of Loan Applications

path: 9. CALIFORNIA FINANCING LAW > 2. Consumer Loans > 6. Disclosure of Loan Applications


title: Commercial Loans

path: 9. CALIFORNIA FINANCING LAW > 3. Commercial Loans


title: Definitions

path: 9. CALIFORNIA FINANCING LAW > 3. Commercial Loans > 1. Definitions


title: Exemptions

path: 9. CALIFORNIA FINANCING LAW > 3. Commercial Loans > 2. Exemptions


title: Loan Regulations

path: 9. CALIFORNIA FINANCING LAW > 3. Commercial Loans > 3. Loan Regulations


title: Open-End Credit Programs

path: 9. CALIFORNIA FINANCING LAW > 3. Commercial Loans > 4. Open-End Credit Programs


title: Program Administrators

path: 9. CALIFORNIA FINANCING LAW > 3.5. Program Administrators


title: Revocation and Penalties

path: 9. CALIFORNIA FINANCING LAW > 4. Revocation and Penalties


title: Revocation and Suspension of License

path: 9. CALIFORNIA FINANCING LAW > 4. Revocation and Penalties > 1. Revocation and Suspension of License


title: Consumer Loan Penalties

path: 9. CALIFORNIA FINANCING LAW > 4. Revocation and Penalties > 2. Consumer Loan Penalties


title: Commercial Loan Penalties

path: 9. CALIFORNIA FINANCING LAW > 4. Revocation and Penalties > 3. Commercial Loan Penalties


title: COMMERCIAL FINANCING DISCLOSURES

path: 9.5. COMMERCIAL FINANCING DISCLOSURES


path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW


title: General Provisions

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 1. General Provisions


title: Construction and Definitions

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 1. General Provisions > 1. Construction and Definitions


title: Licensing and Exemptions

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 1. General Provisions > 2. Licensing and Exemptions


title: Administration and Operations

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 1. General Provisions > 3. Administration and Operations


title: Deferred Deposit Transactions

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 2. Deferred Deposit Transactions


title: Enforcement

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 3. Enforcement


title: Administrative Actions

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 3. Enforcement > 1. Administrative Actions


title: Penalties for Misconduct

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 3. Enforcement > 2. Penalties for Misconduct


title: Civil Damages

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 3. Enforcement > 3. Civil Damages


title: Crimes

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 3. Enforcement > 4. Crimes


title: Transition Provisions

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 3. Enforcement > 5. Transition Provisions


title: Miscellaneous

path: 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW > 3. Enforcement > 6. Miscellaneous


title: FINANCIAL EMPOWERMENT FUND

path: 10.5. FINANCIAL EMPOWERMENT FUND


title: NATIONAL HOUSING ACT LOANS

path: 11.5. NATIONAL HOUSING ACT LOANS


title: Investments

path: 11.5. NATIONAL HOUSING ACT LOANS > 1. Investments


title: Securities for Deposit

path: 11.5. NATIONAL HOUSING ACT LOANS > 2. Securities for Deposit


title: COLLEGE LOANS

path: 12. COLLEGE LOANS


title: STUDENT LOAN SERVICING ACT

path: 12.5. STUDENT LOAN SERVICING ACT


title: General Provisions

path: 12.5. STUDENT LOAN SERVICING ACT > 1. General Provisions


title: Short Title

path: 12.5. STUDENT LOAN SERVICING ACT > 1. General Provisions > 1. Short Title


title: Requirement for License

path: 12.5. STUDENT LOAN SERVICING ACT > 1. General Provisions > 2. Requirement for License


title: Definitions

path: 12.5. STUDENT LOAN SERVICING ACT > 1. General Provisions > 3. Definitions


title: Licensing

path: 12.5. STUDENT LOAN SERVICING ACT > 2. Licensing


path: 12.5. STUDENT LOAN SERVICING ACT > 2. Licensing > 1. Commissioner of Financial Protection and Innovation


title: Application for License

path: 12.5. STUDENT LOAN SERVICING ACT > 2. Licensing > 2. Application for License


path: 12.5. STUDENT LOAN SERVICING ACT > 2. Licensing > 3. Nationwide Multistate Licensing System and Registry


title: Licensee Duties

path: 12.5. STUDENT LOAN SERVICING ACT > 3. Licensee Duties


path: 12.5. STUDENT LOAN SERVICING ACT > 4. Administration and Power of the Commissioner


title: Enforcement

path: 12.5. STUDENT LOAN SERVICING ACT > 5. Enforcement


title: Miscellaneous

path: 12.5. STUDENT LOAN SERVICING ACT > 6. Miscellaneous


title: PREMIUM FINANCING

path: 13. PREMIUM FINANCING


title: SECURITIES DEPOSITORIES

path: 14. SECURITIES DEPOSITORIES


title: Application of This Division

path: 14. SECURITIES DEPOSITORIES > 1. Application of This Division


title: License

path: 14. SECURITIES DEPOSITORIES > 2. License


title: Revocation of License

path: 14. SECURITIES DEPOSITORIES > 3. Revocation of License


title: Hearings

path: 14. SECURITIES DEPOSITORIES > 4. Hearings


path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS


title: General Provisions

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 1. General Provisions


path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 1. General Provisions > 1. Short Title, Construction, and Severability


title: Legislative Findings and Purposes

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 1. General Provisions > 2. Legislative Findings and Purposes


title: Definitions

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 1. General Provisions > 3. Definitions


title: Administration

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 2. Administration


title: Licensing

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 3. Licensing


title: Corporate Matters

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 4. Corporate Matters


title: Name

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 4. Corporate Matters > 1. Name


title: Board of Directors

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 4. Corporate Matters > 2. Board of Directors


title: Securities

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 4. Corporate Matters > 3. Securities


title: Distributions to Shareholders

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 4. Corporate Matters > 4. Distributions to Shareholders


title: Offices

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 5. Offices


title: General Provisions

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 5. Offices > 1. General Provisions


path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 5. Offices > 2. Establishing, Relocating, and Closing Offices


title: Transaction of Business

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 6. Transaction of Business


title: Records, Reports, and Examinations

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 7. Records, Reports, and Examinations


title: Acquisition of Control

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 8. Acquisition of Control


title: Merger and Purchase or Sale of Business

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 9. Merger and Purchase or Sale of Business


title: Voluntary Surrender of License

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 10. Voluntary Surrender of License


title: Crimes and Criminal Penalties

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 12. Crimes and Criminal Penalties


title: General Provisions

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 12. Crimes and Criminal Penalties > 1. General Provisions


title: Conflicts of Interest

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 12. Crimes and Criminal Penalties > 2. Conflicts of Interest


title: Criminal Penalties

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 12. Crimes and Criminal Penalties > 3. Criminal Penalties


title: Civil Penalties

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 13. Civil Penalties


title: Transition Provisions

path: 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS > 14. Transition Provisions


path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION


title: General Provisions

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 1. General Provisions


path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 1. General Provisions > 1. Short Title, Construction and Severability


title: Legislative Purposes

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 1. General Provisions > 2. Legislative Purposes


title: Definitions

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 1. General Provisions > 3. Definitions


title: Corporate Matters

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 2. Corporate Matters


title: Creation of the Corporation

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 2. Corporate Matters > 1. Creation of the Corporation


title: Corporate Name

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 2. Corporate Matters > 2. Corporate Name


title: Board of Directors

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 2. Corporate Matters > 3. Board of Directors


title: Management of the Corporation

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 2. Corporate Matters > 4. Management of the Corporation


title: Powers, Exclusions and Prohibitions

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 2. Corporate Matters > 6. Powers, Exclusions and Prohibitions


title: Corporate Finances

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 3. Corporate Finances


title: Corporate Accounts

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 3. Corporate Finances > 1. Corporate Accounts


path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 3. Corporate Finances > 3. Government Guaranteed Securities Trust Fund


title: Loan Operations

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 5. Loan Operations


title: Miscellaneous

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 6. Miscellaneous


title: Special Projects

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 6. Miscellaneous > 3. Special Projects


title: Borrowing From the State

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 7. Borrowing From the State


title: State Enterprise Loan Fund

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 7. Borrowing From the State > 2. State Enterprise Loan Fund


title: Borrowing from the Fund

path: 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION > 7. Borrowing From the State > 3. Borrowing from the Fund


title: RELEASE OF DEMAND DEPOSIT FUNDS

path: 19. RELEASE OF DEMAND DEPOSIT FUNDS


path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT


title: General

path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 1. General


title: Licensing: Residential Mortgage Lender

path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 2. Licensing: Residential Mortgage Lender


path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 3. Licensing: Residential Mortgage Loan Servicer


title: Mortgage Loan Originators

path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 3.5. Mortgage Loan Originators


path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 3.6. Nationwide Mortgage Licensing System and Registry


path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 4. Financial Condition, Transaction and Bond Requirements


path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 5. Administration and Powers of the Commissioner


title: Assessments

path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 6. Assessments


title: Prohibited Practices and Penalties

path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 7. Prohibited Practices and Penalties


title: Brokerage Services for Borrowers

path: 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT > 9. Brokerage Services for Borrowers


title: EXCHANGE FACILITATORS

path: 20.5. EXCHANGE FACILITATORS


title: CALIFORNIA FINANCIAL LITERACY FUND

path: 22. CALIFORNIA FINANCIAL LITERACY FUND


title: BANK ON CALIFORNIA PROGRAM

path: 23. BANK ON CALIFORNIA PROGRAM


path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW


title: Findings and Purpose

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 1. Findings and Purpose


title: Short Title

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 2. Short Title


title: Exemptions

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 3. Exemptions


title: Prohibited Acts

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 4. Prohibited Acts


title: Definitions

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 5. Definitions


title: Administration

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 6. Administration


title: Oversight

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 7. Oversight


title: Enforcement Powers and Duties

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 8. Enforcement Powers and Duties


title: Annual Report

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 9. Annual Report


title: Miscellaneous

path: 24. CALIFORNIA CONSUMER FINANCIAL PROTECTION LAW > 10. Miscellaneous


title: DEBT COLLECTION LICENSING ACT

path: 25. DEBT COLLECTION LICENSING ACT


title: General Provisions

path: 25. DEBT COLLECTION LICENSING ACT > 1. General Provisions


title: Short Title

path: 25. DEBT COLLECTION LICENSING ACT > 1. General Provisions > 1. Short Title


title: Requirements for Licensure

path: 25. DEBT COLLECTION LICENSING ACT > 1. General Provisions > 2. Requirements for Licensure


title: Definitions

path: 25. DEBT COLLECTION LICENSING ACT > 1. General Provisions > 3. Definitions


title: Licensing

path: 25. DEBT COLLECTION LICENSING ACT > 2. Licensing


path: 25. DEBT COLLECTION LICENSING ACT > 2. Licensing > 1. Commissioner on Financial Protection and Innovation


title: Application for Licensure

path: 25. DEBT COLLECTION LICENSING ACT > 2. Licensing > 2. Application for Licensure


path: 25. DEBT COLLECTION LICENSING ACT > 2. Licensing > 3. Nationwide Multistate Licensing System and Registry


title: Licensee Duties

path: 25. DEBT COLLECTION LICENSING ACT > 3. Licensee Duties


title: Periodic Examination of Licensees

path: 25. DEBT COLLECTION LICENSING ACT > 4. Periodic Examination of Licensees


title: Advisory Committee

path: 25. DEBT COLLECTION LICENSING ACT > 5. Advisory Committee


title: FIREARMS MERCHANT CATEGORY CODE

path: 26. FIREARMS MERCHANT CATEGORY CODE