California

Civil Code

4,109 sections, each with the official text and a plain-English explanation of what it means for you.

• § 1799.206 — (a) Except as otherwise provided in this section, a seller shall deliver a copy of the consumer contract guaranty to the guarantor at the time the consumer contract guaranty is signed by the guarantor
• § 1799.207 — Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.
• § 1799.208 — (a) A seller shall not require a consumer to agree to a provision that would do either of the following: (1) Require the consumer to arbitrate outside of California a claim arising in California.
• § 1799.209 — (a) If a consumer contract requires a dispute under the contract to be arbitrated and the dispute may be adjudicated pursuant to the Small Claims Act (Chapter 5.
• § 1799.3 — (a) No person providing video recording sales or rental services shall disclose any personal information or the contents of any record, including sales or rental information, which is prepared or main
• § 1799.300 — For purposes of this title, the following definitions apply: (a) “Automated clearinghouse” means any federal reserve bank, or an organization established in agreement with the National Automated Clear
• § 1799.301 — This title does not apply to any of the following: (a) A provider that is a depository institution.
• § 1799.302 — A covered entity shall not charge any of the following in connection with a commercial financing transaction with a small business or small business owner: (a) A fee for accepting or processing a paym
• § 1799.303 — (a) If a covered entity violates Section 1799.
• § 1799.304 — A waiver of the provisions of this title is contrary to public policy and is void and unenforceable.
• § 1799.5 — (a) “Precomputed interest” means interest, as that term is contemplated by the Truth in Lending Act, 15 United States Code 1605(a)(1), which is (1) computed by multiplying the original balance of the
• § 1799.6 — Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.
• § 1799.8 — (a) “Precomputed finance charge” means a finance charge which is (1) computed by multiplying the original contract balance by a rate and multiplying that product by the number of payment periods elaps
• § 1799.85 — Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.
• § 1799.90 — As used in this title: (a) “Consumer credit contract” means any of the following obligations to pay money on a deferred payment basis, where the money, property, services or other consideration which
• § 1799.91 — (a) Each creditor who obtains the signature of more than one person on a consumer credit contract shall deliver to each person who does not in fact receive any of the money, property, or services whic
• § 1799.92 — (a) The notice required by Section 1799.
• § 1799.93 — (a) The creditor shall not obtain the signature of any person entitled to notice under Section 1799.
• § 1799.94 — The text of the statement required by Section 1799.
• § 1799.95 — No action shall be brought, nor shall any security interest be enforced, by any creditor or any assignee of a creditor on any consumer credit contract which fails to comply with this title against any
• § 1799.96 — If federal law or regulations require or permit the use of a notice substantially similar to that required by Section 1799.
• § 1799.97 — (a) No consumer credit contract shall provide for a security interest in any religious books, religious artifacts, or religious materials, valued at less than five hundred dollars ($500), unless the r
• § 1799.98 — (a) Nothing in this title shall be construed to make applicable or affect or operate as a waiver of any of the provisions of any of the following: (1) Title 13 (commencing with Section 2787) of Part 4
• § 1799.99 — (a) This section applies to transactions, other than consumer credit contracts as defined in Section 1799.
• § 18 — Notice is: 1.
• § 1801 — This chapter may be cited as the “Unruh Act.
• § 1801.1 — Any waiver by the buyer of the provisions of this chapter shall be deemed contrary to public policy and shall be unenforceable and void.
• § 1801.2 — If any provisions of this chapter or the application thereof to any person or circumstances is held unconstitutional, the remainder of the chapter and the application of such provision to other person
• § 1801.4 — The provisions of this chapter shall not apply to any contract or series of contracts providing for: (a) the construction, sale, or construction and sale of an entire residence, including a mobilehome
• § 1801.5 — Notwithstanding any other provision of this chapter to the contrary, any information required to be disclosed in a retail installment contract or other document under this chapter may be disclosed in
• § 1801.6 — (a) The Legislature finds that the decisional law of this state regarding the characterization of credit transactions as either loans or credit sales has been made unclear by the holding in King v.
• § 1801.7 — The provisions of this chapter shall not apply to any premium finance agreement entered into by an industrial loan company pursuant to Chapter 8 (commencing with Section 18560) of Division 7 of the Fi
• § 1802 — Unless the context or subject matter otherwise requires, the definitions given in this article govern the construction of this chapter.
• § 1802.1 — “Goods” means tangible chattels bought for use primarily for personal, family or household purposes, including certificates or coupons exchangeable for such goods, and including goods which, at the ti
• § 1802.10 — “Finance charge” means the amount however denominated or expressed which the retail buyer contracts to pay or pays for the privilege of purchasing goods or services to be paid for by the buyer in inst
• § 1802.11 — (a) “Amount financed” means the amount required to be disclosed pursuant to paragraph (7) of subdivision (c) of Section 1803.
• § 1802.12 — “Total of payments” means the amount required to be disclosed pursuant to subdivision (h) of Section 226.
• § 1802.13 — “Holder” means the retail seller who acquires a retail installment contract or installment account executed, incurred or entered into by a retail buyer, or if the contract or installment account is pu
• § 1802.14 — “Official fees” means the fees required by law and actually to be paid to the appropriate public officer to perfect a lien or other security interest, on or in goods, retained or taken by a seller und
• § 1802.15 — “Person” means an individual, partnership, corporation, limited liability company, association or other group, however organized.
• § 1802.16 — “Financing agency” means a person engaged in this State in whole or in part in the business of purchasing retail installment contracts, or installment accounts from one or more retail sellers.
• § 1802.17 — “Billing cycle” means the time interval between regular monthly billing statement dates.
• § 1802.18 — “Regulation Z” means any rule, regulation, or interpretation promulgated by the Board of Governors of the Federal Reserve System (“Board”) under the Federal Truth in Lending Act, as amended (15 U.
• § 1802.19 — (a) For the purposes of this chapter, a retail installment contract, contract, retail installment account, installment account, or revolving account shall be deemed to have been made in this state and
• § 1802.2 — “Services” means work, labor and services, for other than a commercial or business use, including services furnished in connection with the sale or repair of goods as defined in Section 1802.
• § 1802.20 — “Simple-interest basis” means the determination of a finance charge, other than an administrative finance charge, by applying a constant rate to the unpaid balance as it changes from time to time, eit
• § 1802.21 — “Precomputed basis” means the determination of a finance charge by multiplying the original unpaid balance of the contract by a rate and multiplying that product by the number of payment periods elaps
• § 1802.3 — “Retail seller” or “seller” means a person engaged in the business of selling goods or furnishing services to retail buyers.
• § 1802.4 — “Retail buyer” or “buyer” means a person who buys goods or obtains services from a retail seller in a retail installment sale and not principally for the purpose of resale.
• § 1802.5 — “Retail installment sale” or “sale” means the sale of goods or the furnishing of services by a retail seller to a retail buyer for a deferred payment price payable in installments.
• § 1802.6 — “Retail installment contract” or “contract” means any contract for a retail installment sale between a buyer and seller, entered into or performed in this state, which provides for (a) repayment in in
• § 1802.7 — “Retail installment account” or “installment account” or “revolving account” means an account established by an agreement entered into in this state, pursuant to which the buyer promises to pay, in in
• § 1802.8 — “Cash price” means the cash price stated in a retail installment contract for which the seller would sell or furnish to the buyer and the buyer would buy or obtain from the seller the goods or service
• § 1802.9 — “Total sale price” means the total of the cash price of the goods or services, the amounts, if any, included for insurance, official fees, and the finance charge.
• § 1803.1 — A retail installment contract shall be dated and in writing; the printed portion thereof shall be in at least eight-point type.
• § 1803.10 — It shall be unlawful for any seller to induce or attempt to induce any person to enter into a contract subject to this act by offering a rebate, discount, commission, or other consideration, contingen
• § 1803.11 — It shall be unlawful for any seller to solicit buyers, in any advertisement, to enter into a retail installment contract with it if the seller does not intend to sell that retail installment contract
• § 1803.2 — Except as provided in Section 1808.
• § 1803.3 — Except as provided in Article 8 (commencing with Section 1808.
• § 1803.4 — The seller shall not obtain the signature of the buyer to a contract when it contains blank spaces to be filled in after it has been signed.
• § 1803.5 — If the cost of any insurance is included in the contract and a separate charge is made to the buyer for such insurance: (a) The contract shall state whether the insurance is to be procured by the buye
• § 1803.6 — (a) A contract may provide that for each installment in default the buyer shall pay a delinquency charge not in excess of one of the following amounts: (1) For a period in default of not less than 10
• § 1803.7 — The seller shall deliver to the buyer at the time of the buyer’s signature a legible copy of the contract or of any other document which the seller has required or requested the buyer to sign, and whi
• § 1803.8 — Retail installment sales negotiated and entered into by mail or telephone without personal solicitation by a salesman or other representative of the seller, where the seller’s cash and deferred paymen
• § 1803.9 — If it is explicitly understood between the seller and the buyer that all or any part of the cash price will be paid from the proceeds of a loan to be obtained by the buyer from a third party, the cont
• § 1804.1 — No contract or obligation shall contain any provision by which: (a) The buyer agrees not to assert against a seller a claim or defense arising out of the sale or agrees not to assert against an assign
• § 1804.2 — (a) An assignee of the seller’s rights is subject to all equities and defenses of the buyer against the seller arising out of the sale, notwithstanding an agreement to the contrary, but the assignee’s
• § 1804.3 — (a) No contract other than one for services shall provide for a security interest in any goods theretofore fully paid for or which have not been sold by the seller.
• § 1804.4 — Any provision in a contract which is prohibited by this chapter shall be void but shall not otherwise affect the validity of the contract.
• § 1805.1 — The holder of the contract shall not charge, collect, or receive a finance charge which exceeds the dollar amount shown pursuant to subdivision (b) of Section 1803.
• § 1805.2 — Contracts may be payable in successive monthly, semimonthly or weekly installments.
• § 1805.4 — The finance charge shall be inclusive of all charges incident to investigating and making the contract and for the extension of the credit provided for in the contract, and no fee, expense or other ch
• § 1805.6 — (a) Notwithstanding the provisions of any contract to the contrary, except as provided in subdivision (b) or (c), no retail seller shall assess any finance charge for goods purchased under a retail in
• § 1805.7 — All contracts entered into between a buyer and a seller on or after January 1, 1983, shall provide for the calculation of the finance charge contemplated by item (1) of subdivision (a) of Section 1805
• § 1805.8 — The maximum rate of finance charge which may be imposed on amounts advanced by the holder subsequent to the execution of the contract for insurance, repairs to or preservation of the goods, or preserv
• § 1805.9 — No contract shall provide for a finance charge which is determined in part by the precomputed basis and in part by the simple-interest basis, except for any finance charge permitted by Section 1805.
• § 1806.1 — Unless the buyer has notice of actual or intended assignment of a contract or installment account, payment thereunder made by the buyer to the last known holder of such contract or installment account
• § 1806.2 — At any time after its execution, but not later than one year after the last payment thereunder, the holder of a contract shall, upon written request of the buyer made in good faith, promptly give or f
• § 1806.3 — (a) Notwithstanding any provision of a contract to the contrary, the buyer may pay at any time before maturity the entire indebtedness evidenced by the contract without penalty.
• § 1806.4 — After the payment of all sums for which the buyer is obligated under a contract and upon demand made by the buyer, the holder shall deliver, or mail to the buyer at his last known address, such one or
• § 1807.1 — (a) The holder of a retail installment contract may, upon agreement with the buyer, extend the scheduled due date or defer the scheduled payment of all or of any part of any installment or installment
• § 1807.2 — The holder of a retail installment contract or contracts may, upon agreement in writing with the buyer, refinance the remaining amount owing on the contract or contracts by providing for a new schedul
• § 1807.3 — (a) If any payment, other than a deferred downpayment, under a contract or refinancing agreement is more than twice the amount of an otherwise regularly scheduled equal payment, the contract or refina
• § 1808.1 — A retail installment contract, which otherwise conforms to the requirements of this chapter, may contain the provision that the seller may at his option add subsequent purchases made by the buyer to t
• § 1808.2 — When a subsequent purchase is made, the entire amount of all payments made previous thereto shall be deemed to have been applied toward the payment of the previous deferred payment price or deferred p
• § 1808.3 — If a credit sale is one of a series of transactions made pursuant to an agreement providing for the addition of the amount financed plus the finance charge for the current sale to an existing outstand
• § 1808.4 — Until the seller delivers to the buyer the memorandum as provided in Sections 1808.
• § 1808.5 — Subject to the other provisions of Article 5 (commencing with Section 1805.
• § 1809.1 — Notwithstanding any contrary provision of this title a financing agency may purchase a retail installment contract or installment account from a seller on such terms and conditions and for such price
• § 1810 — For the purposes of this article, a retail installment account agreement shall be deemed to be accepted by the buyer if (1) the buyer signs the agreement, including signing an application containing t
• § 1810.1 — Notwithstanding any other provisions of this article to the contrary, before the first transaction is made on any retail installment account, the seller shall disclose to the buyer in a single written
• § 1810.10 — (a) Notwithstanding the provision of any contract to the contrary, except as provided in subdivision (b) or (c), no retail seller shall assess any finance charge against the outstanding balance for go
• § 1810.11 — The buyer may request, not more frequently than once a year, that the seller inform the buyer of the total amount of finance charges assessed on the account during the preceding calendar year and the
• § 1810.12 — (a) Notwithstanding Section 1810.
• § 1810.2 — Subject to the other provisions of this article, the seller or holder of a retail installment account may charge, receive and collect a finance charge as disclosed to the buyer pursuant to Section 181
• § 1810.20 — This article shall be known and may be cited as the “Areias Retail Installment Account Full Disclosure Act of 1986.
• § 1810.21 — (a) Any application form or preapproved written solicitation for a credit card issued in connection with a retail installment account that is mailed on or after October 1, 1987, to a retail buyer resi
• § 1810.3 — (a) Except in the case of an account which the seller deems to be uncollectible or with respect to which delinquency collection procedures have been instituted, the seller of any retail installment ac
• § 1810.4 — The finance charge shall include all charges incident to investigating and making the retail installment account.
• § 1810.5 — If the cost of any insurance is to be separately charged to the buyer, there shall be an agreement to this effect, signed by both the buyer and the seller, a copy of which shall be given or furnished
• § 1810.6 — Nothing in this article prohibits the execution of an agreement between a buyer and seller whereby the seller retains a security interest in goods sold to the buyer until full payment therefor has bee
• § 1810.7 — No retail installment account shall require or entail the execution of any note or series of notes by the buyer which when separately negotiated will cut off as to third parties any right of action or
• § 1810.8 — The provisions of Sections 1806.
• § 1811.1 — Reasonable attorney’s fees and costs shall be awarded to the prevailing party in any action on a contract or installment account subject to the provisions of this chapter regardless of whether such ac
• § 1812.10 — (a) An action on a contract or installment account under this chapter shall be tried in the superior court in the county where the contract was in fact signed by the buyer, where the buyer resided at
• § 1812.100 — (a) The Legislature finds that there exists in connection with a substantial number of contracts for discount buying services, sales practices and business and financing practices which result in frau
• § 1812.101 — For the purpose of this title, the following definitions shall be used: (a) “Discount buying organization” means any person or persons, corporation, unincorporated association, or other organization w
• § 1812.103 — Every discount buying organization shall maintain a bond issued by a surety company admitted to do business in this state.
• § 1812.104 — The bond required by Section 1812.
• § 1812.105 — (a) When a deposit has been made in lieu of a bond pursuant to Section 995.
• § 1812.106 — Every discount buying organization, before obtaining the signature of a potential buyer on any application or contract for discount buying services, shall provide to the buyer, and shall allow the buy
• § 1812.107 — Every contract for discount buying services shall be in writing and shall be subject to the provisions of this title.
• § 1812.108 — All contracts for discount buying services, which may be in effect between a seller or related sellers and a buyer, the terms of which overlap for any period of time, shall be considered as one contra
• § 1812.109 — No contract for discount buying services shall require payments or financing by the buyer over a period in excess of two years from the date the contract was entered into.
• § 1812.110 — Every contract for discount buying services shall provide that the buying services shall become available to the buyer within seven days from the date the contract was entered into.
• § 1812.113 — No contract for discount buying sevices shall require or entail the execution of any note or series of notes by the buyer which, when separately negotiated, will cut off as to any third party any righ
• § 1812.114 — No right of action or defense arising out of a contract for discount buying services which the buyer has against the discount buying organization shall be cut off by assignment or transfer of the cont
• § 1812.116 — (a) Every contract for discount buying services shall provide that if any goods ordered by the buyer from the seller are not delivered to the buyer or available for pickup by the buyer at a location w
• § 1812.117 — (a) An affiliate discount buying organization may, at its option, and with the express written consent of its parent, comply with the trust account withdrawal provisions set forth in subdivision (b),
• § 1812.118 — Every contract for discount buying services shall further provide that such contract may be canceled at any time within three days after the date of receipt by the buyer of a copy of the contract by w
• § 1812.119 — (a) Any contract for discount buying services which does not comply with the applicable provisions of this title shall be voidable by the buyer.
• § 1812.120 — Any untrue or misleading information, representation, notice or advertisement of the seller which has been received by or made to the buyer prior to his signing a contract for discount buying services
• § 1812.121 — (a) If a discount buying organization removes its place of business or, if it conducts business at more than one location, that place of business which is geographically closest to the buyer’s residen
• § 1812.122 — Any transfer by a discount buying organization of its duty or obligation to provide services to buyers under its contracts for discount buying services to another individual, corporation, or other bus
• § 1812.123 — (a) Any buyer injured by a violation of this title may bring an action for the recovery of damages and return of all moneys paid by the buyer to the seller.
• § 1812.125 — (a) Any person who violates subdivision (b) or (c) of Section 1812.
• § 1812.126 — The prohibitions of this title are not exclusive and do not relieve the parties or the contracts subject thereto from compliance with any other applicable provision of law.
• § 1812.127 — Any waiver by the buyer of the provisions of this title shall be deemed contrary to public policy and shall be void and unenforceable.
• § 1812.128 — If any provision of this title or the application thereof to any person or circumstances is held invalid, such invalidity shall not affect other provisions or applications of the title which can be gi
• § 1812.129 — (a) The Secretary of State shall enforce the provisions of this title that govern the filing and maintenance of bonds and deposits in lieu of bonds.
• § 1812.2 — In the event of any default by the buyer in the performance of his obligations under a contract or installment account, the holder, pursuant to any rights granted therein, may proceed to recover judgm
• § 1812.20 — Notwithstanding Section 1801.
• § 1812.200 — (a) The Legislature finds and declares that the widespread sale of seller assisted marketing plans, often connected with the sale of vending machines, racks or work-at-home paraphernalia, has created
• § 1812.201 — For the purposes of this title, the following definitions shall apply: (a) “Seller assisted marketing plan” means any sale or lease or offer to sell or lease any product, equipment, supplies, or servi
• § 1812.202 — (a) An offer to sell or offer to lease a seller assisted marketing plan shall occur in this state whenever: (1) The offer to sell or offer to lease is made in this state; (2) The purchaser resides in
• § 1812.203 — (a) The seller of any seller assisted marketing plan shall pay an annual fee in the amount of one hundred dollars ($100) and annually file with the Attorney General a copy of the disclosure statements
• § 1812.204 — In selling, leasing, or offering to sell or lease a seller assisted marketing plan in this state, sellers shall not: (a) Use the phrase “buy-back” or “secured investment” or similar phrase orally or i
• § 1812.205 — At the first in-person communication with a potential purchaser or in the first written response to an inquiry by a potential purchaser, whichever occurs first, wherein the seller assisted marketing p
• § 1812.206 — At least 48 hours prior to the execution of a seller assisted marketing plan contract or agreement or at least 48 hours prior to the receipt of any consideration, whichever occurs first, the seller or
• § 1812.207 — Every contract for sale or lease of a seller assisted marketing plan in this state shall be in writing and shall be subject to the provisions of this title.
• § 1812.208 — The purchaser shall have the right to cancel a seller assisted marketing plan contract for any reason at any time within three business days of the date the purchaser and the seller sign the contract.
• § 1812.209 — Every seller assisted marketing plan contract shall set forth in at least 10-point type or equivalent size if handwritten, all of the following: (a) The terms and conditions of payment including the i
• § 1812.210 — (a) No seller assisted marketing plan contract shall require or entail the execution of any note or series of notes by the purchaser which, when separately negotiated, will cut off as to third parties
• § 1812.211 — Any assignee of the seller assisted marketing plan contract or the seller’s rights is subject to all equities, rights and defenses of the purchaser against the seller.
• § 1812.212 — No seller shall make or authorize the making of any reference to its compliance with this title.
• § 1812.213 — Every seller shall at all times keep and maintain a complete set of books, records and accounts of seller assisted marketing plan sales made by the seller.
• § 1812.214 — (a) Every seller of seller-assisted marketing plans other than a California corporation shall file with the Attorney General an irrevocable consent appointing the Secretary of State or successor in of
• § 1812.215 — (a) If a seller uses any untrue or misleading statements to sell or lease a seller assisted marketing plan, or fails to comply with Section 1812.
• § 1812.216 — (a) Any waiver by a purchaser of the provisions of this title shall be deemed contrary to public policy and shall be void and unenforceable.
• § 1812.217 — Any person, including, but not limited to, the seller, a salesman, agent or representative of the seller or an independent contractor who attempts to sell or lease or sells or leases a seller assisted
• § 1812.218 — Any purchaser injured by a violation of this title or by the seller’s breach of a contract subject to this title or of any obligation arising from the sale or lease of the seller assisted marketing pl
• § 1812.219 — The provisions of this title are not exclusive.
• § 1812.220 — If any provision of this act or if any application thereof to any person or circumstance is held unconstitutional, the remainder of the title and the application of such provision to other persons and
• § 1812.221 — (a) When a deposit has been made in lieu of bond pursuant to paragraph (1) of subdivision (b) of Section 1812.
• § 1812.3 — The notice provided for in Section 1812.
• § 1812.30 — (a) No person, regardless of marital status, shall be denied credit in his or her own name if the earnings and other property over which he or she has management and control are such that a person of
• § 1812.300 — For the purposes of this title: (a) “Membership camping operator” means any enterprise, other than one that is tax exempt under Section 501(c)(3) of the Internal Revenue Code of 1954, as amended, that
• § 1812.301 — The membership camping contracts and persons covered by this title shall be subject to Chapter 5 (commencing with Section 17200) of Part 2 of Division 7 and Article 1 (commencing with Section 17500) o
• § 1812.302 — A membership camping operator shall provide to a purchaser the following written disclosures in any format which clearly communicates the following reasonably current information before the purchaser
• § 1812.303 — (a) A membership camping contract shall be written in the same language as that principally used in any oral sales presentation (e.
• § 1812.304 — (a) If the purchaser has not inspected at least one of the membership camping operator’s campgrounds prior to purchase of a membership camping contract, the notice shall contain the following addition
• § 1812.305 — The following transactions are exempt from the provisions of this title.
• § 1812.306 — (a) A purchaser’s remedy for errors in or omissions from the membership camping contract of any of the disclosures or requirements of Sections 1812.
• § 1812.307 — No membership camping operator shall withdraw from the use by purchasers of membership camping contracts any campground unless one of the following conditions is satisfied: (a) Adequate provision is m
• § 1812.308 — (a) Except in the case of a membership camping operator substituting a campground in accordance with Section 1812.
• § 1812.309 — (a) Campgrounds subject to this section include any campground which is offered or made available by an operator for the first time after January 1, 1991, or any campground which becomes subject to a
• § 1812.31 — (a) Whoever violates Section 1812.
• § 1812.314 — (a) All money received from the owner of a membership camping contract or the prospective purchaser thereof, by a membership camping contract broker in advance of the completion of any membership camp
• § 1812.315 — If any provision of this title or the application thereof to any person or circumstances is held invalid, the invalidity shall not affect other provisions or applications of this title which can be gi
• § 1812.316 — Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.
• § 1812.32 — Any person, corporation, firm, partnership, joint stock company, or any other association or organization which violates or proposes to violate this chapter may be enjoined by any court of competent j
• § 1812.33 — (a) Any person who intentionally violates any injunction issued pursuant to this chapter shall be liable for a civil penalty not to exceed two thousand five hundred dollars ($2,500) for each day that
• § 1812.34 — Any person denied credit or offered credit in violation of Section 1812.
• § 1812.35 — Any action commenced pursuant to Section 1812.
• § 1812.4 — The proceeds of a resale shall be applied (1) to the payment of the expenses thereof, (2) to the payment of any expenses of retaking, including reasonable attorney’s fees actually incurred, and of any
• § 1812.400 — The Legislature finds and declares that it is unfair for a creditor who has directly participated in, arranged, or received a commission or other compensation for the sale of credit disability insuran
• § 1812.401 — For the purposes of this title: (a) “Credit disability insurance” means insurance of a debtor to provide indemnity for payments becoming due on a specific loan or other credit transaction while the de
• § 1812.402 — (a) No creditor, as defined in Section 1812.
• § 1812.403 — A creditor may invoke any creditor’s remedy 15 days after receiving notice that the insurer has ceased making payments on a credit disability insurance claim because of the debtor’s failure to timely
• § 1812.404 — This title shall apply to a creditor only if the creditor, the predecessor to the right, title, or interest of the creditor, or the representative of either of them directly arranges or participates i
• § 1812.405 — This title shall not prohibit a creditor from invoking any creditor’s remedy as a result of a debtor’s nonpayment when due of any amount obtained under an open-end credit plan, as hereafter defined, a
• § 1812.406 — (a) This title does not apply to credit disability insurance covering a key person, as hereinafter defined, which a creditor requires as a condition to making a loan of at least twenty-five thousand d
• § 1812.407 — The provisions of this title shall apply to the nonpayment of any sum which becomes due on or after April 1, 1984, and for which the debtor claims disability coverage.
• § 1812.408 — Any waiver by the debtor of the provisions of this title shall be void and unenforceable.
• § 1812.409 — This title shall not affect or defeat an interest in the debtor’s property, acquired after the creditor invokes a creditor’s remedy in violation of this title, by a bona fide purchaser or encumbrancer
• § 1812.410 — If any provision of this title or the application thereof to any person or circumstance is held to be unconstitutional, the remainder of the title and the application of the provision to other persons
• § 1812.5 — If the proceeds of the sale are not sufficient to cover items (1), (2) and (3) of Section 1812.
• § 1812.50 — (a) The Legislature finds that there exists in connection with a substantial number of contracts for dance studio lessons and other services, sales practices, and business and financing methods which
• § 1812.500 — This title shall be known and cited as the Employment Agency, Employment Counseling, and Job Listing Services Act.
• § 1812.501 — (a) (1) “Employment agency” or “agency” means: (A) Any person who, for a fee or other valuable consideration to be paid, directly or indirectly by a jobseeker, performs, offers to perform, or represen
• § 1812.502 — (a) This title does not apply to any person who provides any of the services described in subdivision (a) of Section 1812.
• § 1812.503 — (a) Every employment agency subject to this title shall maintain a bond issued by a surety company admitted to do business in this state.
• § 1812.504 — (a) Every employment agency shall give a written contract to every jobseeker from whom a fee or deposit is to be received, whether directly or indirectly.
• § 1812.505 — (a) (1) An employment agency shall provide a copy of the agency’s jobseeker fee schedule and payment terms to any jobseeker from whom a fee or deposit is to be received, prior to the jobseeker being i
• § 1812.506 — (a) If a jobseeker paying or becoming obligated to pay a fee, or making a deposit on a fee for placement fails to accept employment, the employment agency shall, upon request by the jobseeker, repay t
• § 1812.507 — (a) No employment agency shall accept a fee from any jobseeker, or send any jobseeker for employment, without having obtained, orally or in writing, a bona fide job order for employment.
• § 1812.508 — (a) No employment agency shall make, or cause to be made, any false, misleading, or deceptive advertisements or representations concerning the services that the agency will provide to jobseekers.
• § 1812.509 — (a) No employment agency shall, when employment would be in violation of Chapter 1 (commencing with Section 1171) of Part 4 of Division 2 of the Labor Code or Part 27 (commencing with Section 48000) o
• § 1812.5093 — (a) Every employment agency that refers a child care provider to an employer who is not required to be a licensed child day care facility pursuant to Section 1596.
• § 1812.5095 — (a) For purposes of this section, the term “employment agency” means an employment agency, as defined in paragraph (3) of subdivision (a) of Section 1812.