reglab/housing_qa huggingface dataset:
CA Fin Code § 22327 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22327.

22327.  No licensee shall knowingly induce any borrower to split up or divide any loan with any other licensee. No licensee shall induce or permit any borrower to be or to become obligated directly or indirectly, or both, under more than one contract of loan at the same time with the same licensee for the purpose or with the result of obtaining a higher rate of charge than would otherwise be permitted by this article, except as otherwise required by the federal Equal Credit Opportunity Act (15 U.S.C. Sec. 1691 et seq.; Public Law 93-495) and Regulation B promulgated by the Board of Governors of the Federal Reserve System (12 C.F.R. 202 et seq.). For the purpose of this section, “borrower” includes any spouses, whether jointly or severally obligated.(Amended by Stats. 2016, Ch. 50, Sec. 40. (SB 1005) Effective January 1, 2017.)
CA Fin Code § 22329.5 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22329.5.

22329.5.  A licensee, or the agent of a licensee, that has received a notice pursuant to Section 7507.6 of the Business and Professions Code, shall not make a subsequent assignment to skip trace, locate, or repossess the vehicle without simultaneously, and in the same manner by which the assignment is given, advising the assignee of the assignment of the information contained in the notice. As used in this section, “assignment” has the same meaning set forth in Section 7500.1 of the Business and Professions Code.(Added by Stats. 2007, Ch. 192, Sec. 8. Effective September 7, 2007.)
CA Fin Code § 22330 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22330.

22330.  No licensee shall take a deed of trust, mortgage, or lien upon real property as security for any loan made under this division, except any lien as is created by law upon the recording of an abstract of judgment. This section shall not apply to any loan of a bona fide principal amount of five thousand dollars ($5,000) or more as determined in accordance with Section 22251.(Amended by Stats. 1999, Ch. 347, Sec. 4. Effective January 1, 2000.)
CA Fin Code § 22331 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22331.

22331.  No licensee shall take any confession of judgment or any power of attorney, except a power of attorney taken to effectuate the transfer of the ownership of any motor vehicle or mobilehome at the time of making the loan.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22332 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22332.

22332.  No licensee shall take any note or promise to pay that does not accurately disclose the actual amount of the loan, the time for which it is made, and the agreed rate of charge or the annual percentage rate pursuant to Regulation Z promulgated by the Consumer Financial Protection Bureau.(Amended by Stats. 2014, Ch. 64, Sec. 18. (AB 2742) Effective January 1, 2015.)
CA Fin Code § 22333 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22333.

22333.  No licensee shall take any instrument in which blanks are left to be filled in after execution.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22334 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22334.

22334.  (a) Except as provided in subdivision (b), a licensee shall not enter into any contract for a loan that provides for a scheduled repayment of principal over more than the maximum terms set forth below opposite the respective size of loans.Principal amount of loanMaximum termLess than $500  ........................ 24 months and 15 days$500 but less than $1,500  ........................ 36 months and 15 days$1,500 but less than $3,000  ........................ 48 months and 15 days$3,000 but less than $10,000  ........................ 60 months and 15 days(b) The maximum loan term of 60 months and 15 days does not apply to a loan secured by real property of a bona fide principal amount of at least five thousand dollars ($5,000).(c) A licensee shall not enter into any contract for a loan that provides for a scheduled repayment of principal that is less than 12 months. This subdivision applies to a loan of a bona fide principal amount of at least two thousand five hundred dollars ($2,500), but less than ten thousand dollars ($10,000).(d) This section does not apply to an open-end loan, a student loan made by an eligible lender under the Higher Education Act of 1965, as amended (20 U.S.C. Sec. 1070 et seq.), or a student loan made pursuant to the Public Health Service Act, as amended (42 U.S.C. Sec. 294 et seq.).(Amended by Stats. 2019, Ch. 708, Sec. 8. (AB 539) Effective January 1, 2020.)
CA Fin Code § 22335 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22335.

22335.  The payment by any person in money, credit, goods, or things in action as consideration for any sale or assignment of, or order for, the payment of wages, salary, commissions, or other compensation for services, whether earned or to be earned, is, for the purposes of regulation under this division, a loan secured by the assignment. The amount by which the assigned compensation exceeds the amount of the consideration actually paid is interest and charges upon or for the loan, calculated from the date of payment to the date the compensation is payable.This section shall not be construed as modifying or affecting existing statutes governing wage assignments in the state, or as authorizing those assignments.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22336 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22336.

22336.  This article does not prohibit any licensee from contracting for, collecting, or receiving the following:(a) The statutory fee paid by the licensee to any public officer for acknowledging, filing, recording, or releasing in any public office any instrument securing the loan or executed in connection with the loan.(b) Premiums paid by the licensee of the kind and to the extent described in paragraph (2) of subsection (e) of Section 226.4 of Regulation Z promulgated by the Board of Governors of the Federal Reserve System (12 C.F.R. 226).These amounts are not included in determining the maximum charges which may be made under this article.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22338 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22338.

22338.  Each licensed broker shall:(a) Deliver to the borrower, or any one thereof, at the time the final negotiation or arrangement is made, a statement showing in clear and distinct terms the name, address, and license number of the broker and the finance lender. The statement shall show the date, amount, and terms of the agreement with the broker, and all amounts paid or to be paid to the broker and to any person other than the finance lender.(b) Deliver to the finance lender making the loan a copy of the statement referred to and described in subdivision (a).(c) Deliver to the person making any payment to the broker to be retained by the broker, a plain and complete receipt for each payment made, at the time it is made, showing the total amount received, and identifying the brokerage agreement and the loan contract upon which the payment is applied. If the payment is made by a person other than the finance lender, a copy of the receipt shall be delivered to the finance lender.(d) When the borrower pays the loan in full, ensure that the finance lender fully complies with subdivision (e) of Section 22337.(e) Deliver to the potential borrower or borrowers, at the time the licensee first requires or accepts any signed instrument or the payment of any fee, a statement showing in clear and distinct terms the name, address, and license number of the broker and finance lender.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22339 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22339.

22339.  Nothing contained in this article shall be construed to deny to any licensee hereunder the right of taking and using a security agreement that, in addition to securing an original obligation, may secure the repayment of sums that may be advanced to, or expenditures that may be made at the direction of, the borrower subsequent to the execution of the security agreement and prior to the satisfaction thereof.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22340.1 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22340.1.

22340.1.  (a) A licensee that is a finance lender may sell to (1) an institutional lender, or (2) an institutional investor described in paragraph (6) of subdivision (b) of Section 22340, promissory notes evidencing the obligation to repay federally related mortgage loans, as defined in Section 1024.2 of Title 12 of the Code of Federal Regulations, purchased from and made by an institutional lender, and may make agreements for the collection of payments and performance of services with respect to those notes. For purposes of this section, “institutional lender” means any bank, trust company, savings bank or savings and loan association, credit union, industrial loan company or residential mortgage lender doing business under the authority of and in accordance with a license, certificate or charter issued by the United States or this state.(b) In the absence of agreement to the contrary by the licensee and the institutional investor or institutional lender, all payments received from the collection of payments shall be deposited and maintained in a trust account, and shall be disbursed from the trust account only in accordance with the instructions of the owner of the promissory note.(Amended by Stats. 2014, Ch. 64, Sec. 20. (AB 2742) Effective January 1, 2015.)
CA Fin Code § 22345 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22345.

22345.  (a) Any person who violates any provision of Section 987 of Title 10 of the United States Code, as amended by 126 Stat. 1785 (Public Law 112-239), or any provision of Part 232 (commencing with Section 232.1) of Subchapter M of Chapter I of Subtitle A of Title 32 of the Code of Federal Regulations, as published on July 22, 2015, on page 43560 in Number 140 of Volume 80 of the Federal Register, violates this chapter.(b) A person that does not market consumer loans to, or does not extend those loans to, covered borrowers, as that term is defined under Part 232 (commencing with Section 232.1) of Subchapter M of Chapter I of Subtitle A of Title 32 of the Code of Federal Regulations, as amended on the date described in subdivision (a), shall not be in violation of Section 394 of the Military and Veterans Code.(Amended by Stats. 2017, Ch. 514, Sec. 3. (SB 266) Effective January 1, 2018.)
CA Fin Code § 22346 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22346.

22346.  Any licensee that violates any provision of any of the following federal acts or regulations violates this division:(a) The federal Real Estate Settlement Procedures Act, as amended (12 U.S.C. Sec. 2601 et seq.).(b) The federal Truth in Lending Act, as amended (15 U.S.C. Sec. 1601 et seq.).(c) The federal Home Ownership Equity Protection Act (15 U.S.C. Sec. 1639).(d) Any regulation promulgated under any of the federal acts in subdivision (a), (b), or (c).(Added by Stats. 2009, Ch. 629, Sec. 6. (AB 260) Effective January 1, 2010.)
CA Fin Code § 22347 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22347.

22347.  The unique identifier of any licensed mortgage loan originator shall be clearly shown on all residential mortgage loan application forms, solicitations, or advertisements, including business cards or Internet Web sites, and any other documents as established by rule, regulation, or order of the commissioner.(Added by Stats. 2009, Ch. 160, Sec. 42. (SB 36) Effective October 11, 2009.)
CA Fin Code § 22365 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans|Section 22365.

22365.  (a) The Pilot Program for Increased Access to Responsible Small Dollar Loans is hereby established. (b) For purposes of this article:(1) “Commissioner” means the Commissioner of Business Oversight.(2) “Program” means the Pilot Program for Increased Access to Responsible Small Dollar Loans.(3) Pursuant to Section 22380.5, “licensee” also includes a licensee approved to participate in the former Pilot Program for Affordable Credit-Building Opportunities as described in Article 3.5 (commencing with Section 22348).(c) This article does not apply to either of the following:(1) A licensee that has not been accepted to participate in the program.(2) A licensee that has been accepted to participate in the program that chooses to lend pursuant to provisions of this division that are outside of the program. (Amended by Stats. 2018, Ch. 1016, Sec. 1. (AB 237) Effective January 1, 2019. Repealed as of January 1, 2028, pursuant to Section 22381.)
CA Fin Code § 22366 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans|Section 22366.

22366.  (a) Any entity licensed under this chapter that wishes to participate in the program, that is in good standing with the commissioner and has no outstanding enforcement actions or deficiencies at the time of its application, shall file an application with the commissioner, in a manner prescribed by the commissioner, and shall pay a fee to the commissioner, in an amount calculated by the commissioner to cover its costs to administer this article. (b) Any entity wishing to participate in the program that is not licensed pursuant to this chapter may submit a combined application to the commissioner, in a manner prescribed by the commissioner, for licensure under this chapter and admission to the program and shall pay a fee to the commissioner in an amount equal to the fees that would have been imposed if the person had submitted separate applications. To be eligible to apply in this manner, an entity must be free of outstanding enforcement or other disciplinary actions taken against it by any of California’s financial regulators or by a financial regulator of another state.(Added by Stats. 2013, Ch. 467, Sec. 2. (SB 318) Effective January 1, 2014. Repealed as of January 1, 2028, pursuant to Section 22381.)
CA Fin Code § 22367 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans|Section 22367.

22367.  Every entity approved by the commissioner to participate in the program shall file with the commissioner on or before March 15 an annual report consistent with Section 22159, separate from any other annual report the licensee may be required to file. (Added by Stats. 2013, Ch. 467, Sec. 2. (SB 318) Effective January 1, 2014. Repealed as of January 1, 2028, pursuant to Section 22381.)
CA Fin Code § 22368 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans|Section 22368.

22368.  Except as otherwise provided, nothing in this article shall exempt any licensee from any of the provisions of this division or Section 1632 of the Civil Code. (Added by Stats. 2013, Ch. 467, Sec. 2. (SB 318) Effective January 1, 2014. Repealed as of January 1, 2028, pursuant to Section 22381.)
CA Fin Code § 22369 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans|Section 22369.

22369.  No licensee may offer or make a loan, nor impose any charges or fees pursuant to Section 22370, nor use a finder pursuant to Section 22371, without prior approval from the commissioner to participate in the program. (Added by Stats. 2013, Ch. 467, Sec. 2. (SB 318) Effective January 1, 2014. Repealed as of January 1, 2028, pursuant to Section 22381.)
CA Fin Code § 22371 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans|Section 22371.

22371.  (a) A licensee who is approved by the commissioner to participate in the program may use the services of one or more finders as provided in this article. In addition to the fees and costs authorized by subdivision (b) of Section 22375 and subdivision (a) of Section 22377, the commissioner may charge a licensee who uses the services of one or more finders a fee, following the examination of the finder or finders, in an amount not to exceed that necessary to offset the commissioner’s costs to oversee the activities of that licensee’s finder or finders.(b) For purposes of this article, a “finder” means an entity that, at the finder’s physical location for business, brings a licensee and a prospective borrower together for the purpose of negotiating a loan contract.(c) An entity, whose sole means of bringing a licensee and a prospective borrower together at that entity’s physical location for business is via an electronic access point through which a prospective borrower may directly access the Internet Web site of a licensee is not a “finder” for purposes of this article.(Amended by Stats. 2018, Ch. 1016, Sec. 3. (AB 237) Effective January 1, 2019. Repealed as of January 1, 2028, pursuant to Section 22381.)
CA Fin Code § 22373 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3.6 - Pilot Program for Increased Access to Responsible Small Dollar Loans|Section 22373.

22373.  (a) At the time the finder receives or processes an application for a program loan, the finder shall provide the following statement to the applicant, on behalf of the licensee, in no smaller than 10-point type, and shall ask the applicant to acknowledge receipt of the statement in writing: “Your loan application has been referred to us by [Name of Finder]. We may pay a fee to [Name of Finder] for the successful referral of your loan application. IF YOU ARE APPROVED FOR THE LOAN, [NAME OF LICENSEE] WILL BECOME YOUR LENDER, AND YOU WILL BE BUILDING A RELATIONSHIP WITH [NAME OF LICENSEE]. If you have any questions about your loan, now or in the future, you should direct those questions to [name of licensee] by [insert at least two different ways in which a borrower may contact the licensee]. If you wish to report a complaint about [Name of Finder] or [Name of Licensee] regarding this loan transaction, you may contact the Department of Business Oversight at 866-275-2677, or file your complaint online at www.dbo.ca.gov.”(b) If the loan applicant has questions about the loan that the finder is not permitted to answer, the finder shall make a good faith effort to assist the applicant in making direct contact with the lender before the loan is consummated. This good faith effort shall, at a minimum, consist of assisting the applicant in communicating with the licensee as soon as reasonably practicable, which shall at a minimum include a “two-way communication.” For purposes of this section, “two-way communication” includes telephone, electronic mail, or another form of communication that allows the applicant to communicate with the licensee.(c) Using the policies developed pursuant to subdivision (f) of Section 22370, the licensee shall ensure that a loan is not consummated until the licensee has completed a “two-way communication” with the applicant. Sending a voicemail or electronic message to the applicant, without a prior or subsequent response from the applicant, shall not constitute a “two-way communication.”(d) If the loan is consummated, the licensee shall provide the borrower a written copy of the disclosure notice within two weeks following the date of the loan consummation. A licensee may include the disclosure within its loan contract, or may provide it as a separate document to the borrower, via any means acceptable to the borrower.(Amended by Stats. 2015, Ch. 505, Sec. 3. (SB 235) Effective January 1, 2016. Repealed as of January 1, 2028, pursuant to Section 22381.)