reglab/housing_qa huggingface dataset:
CA Fin Code § 21050 (2021)
2021 California Code|Financial Code - FIN|DIVISION 8 - PAWNBROKERS|CHAPTER 1 - General Provisions|ARTICLE 2 - Exceptions to This Division|Section 21050.

21050.  This division does not apply to any of the following:(a) Any corporation organized for the purpose of securing credit from any federal intermediate credit bank organized and existing pursuant to the provisions of an act of Congress entitled “Agricultural Credits Act of 1923.”(b) Any nonprofit cooperative corporation or association with or without capital stock, organized or existing pursuant to Chapter 1 (commencing with Section 54001) of Division 20 of the Food and Agricultural Code.(c) Any person, corporation, association, syndicate, joint stock company, or partnership, engaged exclusively in the business of marketing agricultural, horticultural, viticultural, dairy, livestock, poultry, and bee products on a cooperative nonprofit basis.(Amended by Stats. 2006, Ch. 538, Sec. 175. Effective January 1, 2007.)
CA Fin Code § 21051 (2021)
2021 California Code|Financial Code - FIN|DIVISION 8 - PAWNBROKERS|CHAPTER 1 - General Provisions|ARTICLE 2 - Exceptions to This Division|Section 21051.

21051.  (a) The limitations with respect to rates and charges set forth in Sections 21200 and 21200.5 do not apply to any loan of a bona fide principal amount of two thousand five hundred dollars ($2,500) or more if this section is not used for the purpose of evading this division.(b) In determining whether a loan is a loan of the principal amount of two thousand five hundred dollars ($2,500), Section 22054 shall apply.(Amended by Stats. 1987, Ch. 576, Sec. 1.)
CA Fin Code § 22000 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22000.

22000.  This division is known and may be cited as the “California Financing Law.”(Amended by Stats. 2017, Ch. 475, Sec. 4. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22001 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22001.

22001.  (a) This division shall be liberally construed and applied to promote its underlying purposes and policies, which are: (1) To ensure an adequate supply of credit to borrowers in this state.(2) To simplify, clarify, and modernize the law governing loans made by finance lenders.(3) To foster competition among finance lenders.(4) To protect borrowers against unfair practices by some lenders, having due regard for the interests of legitimate and scrupulous lenders.(5) To permit and encourage the development of fair and economically sound lending practices.(6) To encourage and foster a sound economic climate in this state.(7) To protect property owners from deceptive and misleading practices that threaten the efficacy and viability of property assessed clean energy financing programs.(b) Consumer loans, as defined in Sections 22203 and 22204, are subject to this chapter, Chapter 2 (commencing with Section 22200), Article 1 (commencing with Section 22700) of Chapter 4, and Article 2 (commencing with Section 22750) of Chapter 4.(c) Commercial loans, as defined in Section 22502, are subject to this chapter, Chapter 3 (commencing with Section 22500), Article 1 (commencing with Section 22700) of Chapter 4, and Article 3 (commencing with Section 22780) of Chapter 4. (d) A program administrator, as defined in Section 22018, is subject to this chapter, Chapter 3.5 (commencing with Section 22680), and Article 1 (commencing with Section 22700) of Chapter 4.(e) This section shall become operative on January 1, 2019.(Repealed (in Sec. 5) and added by Stats. 2017, Ch. 475, Sec. 6. (AB 1284) Effective October 4, 2017. Section operative January 1, 2019, by its own provisions.)
CA Fin Code § 22002 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22002.

22002.  To accomplish its underlying purposes and policies, this division creates a class of exempt persons pursuant to Section 1 of Article XV of the California Constitution.It is the intent of the Legislature to preserve existing exemptions under Section 1 of Article XV of the Constitution and statutory law for (a) personal property brokers formerly regulated by the Personal Property Brokers Law; (b) lenders formerly regulated by the Consumer Finance Lenders Law; and (c) lenders formerly regulated by the Commercial Finance Lenders Law; and no finding that any provision of this division is invalid with respect to a particular lender or class of lenders shall affect the enforceability of this division with respect to any of the foregoing classifications of lenders, which shall in all events continue to be exempted by this division.(Repealed and 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 § 22003 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22003.

22003.  Unless the context otherwise requires, the definitions given in this article govern the construction of this division.(Repealed and 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 § 22003.5 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22003.5.

22003.5.  “Assessment contract” means an agreement entered into between all property owners of record on real property and a public agency in which, for voluntary contractual assessments imposed on the real property, the public agency provides a PACE assessment for the installation of one or more efficiency improvements on the real property in accordance with a PACE program, specified in paragraph (2) of subdivision (a) of Section 5898.20 of the Streets and Highways Code, or Section 5899, 5899.3, or 5899.4 of the Streets and Highways Code, or a special tax described in Section 53328.1 of the Government Code.This section shall remain in effect only until January 1, 2029, and as of that date is repealed.(Amended by Stats. 2018, Ch. 837, Sec. 2. (SB 465) Effective January 1, 2019. Repealed as of January 1, 2029, by its own provisions. See later operative version added by Stats. 2018, Ch. 837.)
CA Fin Code § 22003.5 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22003.5.

22003.5.  “Assessment contract” means an agreement entered into between all property owners of record on real property and a public agency in which, for voluntary contractual assessments imposed on the real property, the public agency provides a PACE assessment for the installation of one or more efficiency improvements on the real property in accordance with a PACE program, specified in paragraph (2) of subdivision (a) of Section 5898.20 of the Streets and Highways Code, or Section 5899 or 5899.3 of the Streets and Highways Code, or a special tax described in Section 53328.1 of the Government Code. This section shall become operative on January 1, 2029.(Repealed and added by Stats. 2018, Ch. 837, Sec. 3. (SB 465) Effective January 1, 2019. Section operative January 1, 2029, by its own provisions.)
CA Fin Code § 22004 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22004.

22004.  “Broker” includes any person who is engaged in the business of negotiating or performing any act as broker in connection with loans made by a finance lender.(Repealed and 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 § 22005 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22005.

22005.  “Commissioner” means the Commissioner of Business Oversight.(Amended by Stats. 2013, Ch. 353, Sec. 65. (SB 820) Effective September 26, 2013. Operative July 1, 2013, by Sec. 129 of Ch. 353.)
CA Fin Code § 22006 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22006.

22006.  As used in this division, the terms “security interest,” “accounts,” “chattel paper,” “documents,” “general intangibles,” “goods,” and “instruments” are as defined in the Uniform Commercial Code.(Repealed and 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 § 22007 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22007.

22007.  (a) “Licensee” means any finance lender, broker, or program administrator who receives a license in accordance with this division.(b) This section shall become operative on January 1, 2019.(Repealed (in Sec. 8) and added by Stats. 2017, Ch. 475, Sec. 9. (AB 1284) Effective October 4, 2017. Section operative January 1, 2019, by its own provisions.)
CA Fin Code § 22008 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22008.

22008.  “Person” means an individual, a corporation, a partnership, a limited liability company, a joint venture, an association, a joint stock company, a trust, an unincorporated organization, a government, or a political subdivision of a government.(Repealed and 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 § 22009 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22009.

22009.  “Finance lender” includes any person who is engaged in the business of making consumer loans or making commercial loans. The business of making consumer loans or commercial loans may include lending money and taking, in the name of the lender, or in any other name, in whole or in part, as security for a loan, any contract or obligation involving the forfeiture of rights in or to personal property, the use and possession of which property is retained by other than the mortgagee or lender, or any lien on, assignment of, or power of attorney relative to wages, salary, earnings, income, or commission.It is the intent of the Legislature that the definition of finance lender shall be interpreted to include a personal property broker as referenced in Section 1 of Article XV of the California Constitution.(Repealed and 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 § 22010 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22010.

22010.  (a) “Finance lender,” “broker,” and “program administrator” do not include employees regularly employed at the location specified in the license of the finance lender, broker, or program administrator, except that an employee, when acting within the scope of his or her employment, shall be exempt from any other law from which his or her employer is exempt.(b) This section shall become operative on January 1, 2019.(Repealed (in Sec. 10) and added by Stats. 2017, Ch. 475, Sec. 11. (AB 1284) Effective October 4, 2017. Section operative January 1, 2019, by its own provisions.)
CA Fin Code § 22011 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22011.

22011.  A “regulatory ceiling provision” is a statement in a section or subdivision that specifies an original bona fide principal loan amount at or above which that section or subdivision does not apply to a loan.(Repealed and 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 § 22012 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22012.

22012.  (a) “Branch office license” means a license to engage in business as a finance lender or broker at a location other than the location identified in a finance lender or broker license application or amended application.(b) “Depository institution” has the same meaning as in Section 3 of the Federal Deposit Insurance Act, and includes any credit union.(c) “Federal banking agencies” means the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the Director of the Office of Thrift Supervision, the National Credit Union Administration, and the Federal Deposit Insurance Corporation.(d) “Nationwide Mortgage Licensing System and Registry” means a mortgage licensing system developed and maintained by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators for the licensing and registration of licensed mortgage loan originators.(e) “Residential mortgage loan” means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on a dwelling, as defined in Section 103(v) of the federal Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. “Dwelling” means a residential structure that contains one to four units, whether or not that structure is attached to real property. The term includes an individual condominium unit, cooperative unit, mobilehome, or trailer, if it is used as a residence.(f) “SAFE Act” means the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Public Law 110-289).(g) “Unique identifier” means a number or other identifier assigned by protocols established by the Nationwide Mortgage Licensing System and Registry.(h) For purposes of Sections 22109.2, 22109.3, and 22109.5, “nontraditional mortgage product” means any mortgage product other than a 30-year fixed rate mortgage.(i) For purposes of Section 22109.1, “expungement” means the subsequent order under the provisions of Section 1203.4 of the Penal Code allowing such individual to withdraw his or her plea of guilty and to enter a plea of not guilty, or setting aside the verdict of guilty or dismissing the accusation, information, or indictment. With respect to criminal convictions in another state, that state’s definition of expungement will apply.(Amended by Stats. 2012, Ch. 264, Sec. 1. (AB 2666) Effective January 1, 2013.)
CA Fin Code § 22014 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22014.

22014.  (a) A loan processor or underwriter who does not represent to the public, through advertising or other means of communicating or providing information, including the use of business cards, stationery, brochures, signs, rate lists, or other promotional items, that the individual can or will perform any of the activities of a mortgage loan originator shall not be required to be licensed as a mortgage loan originator.(b) An individual engaging solely in loan processor or underwriter activities shall not represent to the public, through advertising or other means of communicating or providing information including the use of business cards, stationery, brochures, signs, rate lists, or other promotional items, that the individual can or will perform any of the activities of a mortgage loan originator.(c) An independent contractor may not engage in the activities of a loan processor or underwriter for a residential mortgage loan unless the independent contractor loan processor or underwriter obtains and maintains a mortgage loan originator license under this division. Each independent contractor loan processor or underwriter licensed as a mortgage loan originator shall have and maintain a valid unique identifier issued by the Nationwide Mortgage Licensing System and Registry.(Added by Stats. 2009, Ch. 160, Sec. 11. (SB 36) Effective October 11, 2009.)
CA Fin Code § 22015 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22015.

22015.  “PACE assessment” means a voluntary contractual assessment, voluntary special tax, or special tax, as described in subdivisions (a), (b), and (c) of Section 26054 of the Public Resources Code. (Added by Stats. 2017, Ch. 475, Sec. 12. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22016 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22016.

22016.  “PACE program” means a program in which financing is provided for the installation of efficiency improvements on real property and funded through the use of property assessments, as well as other program components defined in this section, established pursuant to any of the following:(a) Chapter 29 (commencing with Section 5898.10) of Part 3 of Division 7 of the Streets and Highways Code.(b) The Mello-Roos Community Facilities Act of 1982 (Chapter 2.5 (commencing with Section 53311) of Part 1 of Division 2 of Title 5 of the Government Code).(c) A charter city’s constitutional authority under Section 5 of Article XI of the California Constitution. (Added by Stats. 2017, Ch. 475, Sec. 13. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22017 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22017.

22017.  (a) “PACE solicitor” means a person authorized by a program administrator to solicit a property owner to enter into an assessment contract.(b) “PACE solicitor agent” means an individual who is employed or retained by, and acts on behalf of, a PACE solicitor to solicit a property owner to enter into an assessment contract.(c) “PACE solicitor” and “PACE solicitor agent” do not include any of the following:(1) A person employed by a program administrator.(2) A person, including a home improvement contractor or subcontractor, who does not solicit property owners to enter into assessment contracts.(3) A person who performs purely administrative or clerical tasks.(4) A person who advertises a PACE program, if the content of the advertising is created, prepared, or approved by a program administrator, and advertising is subject to, and in compliance with this division.(5) A person who obtains information regarding prospective applicants for PACE financing, or who provides to a program administrator information regarding prospective applicants for PACE financing, if that information was not obtained in connection with advertising or soliciting a PACE program.(6) A person who only solicits a property owner to enter into an assessment contract with a person who is not considered a program administrator within the meaning of subdivision (b) of Section 22018.(Amended by Stats. 2018, Ch. 813, Sec. 1. (AB 2063) Effective January 1, 2019.)
CA Fin Code § 22018 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22018.

22018.  (a) “Program administrator” means a person administering a PACE program on behalf of, and with the written consent of, a public agency. “Program administrator” does not include a public agency.(b) For purposes of this division, “program administrator” does not include a person who meets both of the following conditions:(1) The person does not administer a PACE program that provides financing for the installation of efficiency improvements on residential property with four or fewer units.(2) The person does not administer a PACE program that provides financing for the installation of efficiency improvements on real property with a market value of less than one million dollars ($1,000,000).(Amended by Stats. 2018, Ch. 813, Sec. 2. (AB 2063) Effective January 1, 2019.)
CA Fin Code § 22018.5 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22018.5.

22018.5.  “Property owner” means all property owners of record on the property subject to the PACE assessment. (Added by Stats. 2017, Ch. 475, Sec. 16. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22019 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22019.

22019.  “Efficiency improvement” means one or more permanent improvements fixed to real property financed through a PACE assessment.(Added by Stats. 2017, Ch. 475, Sec. 17. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22020 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Definitions|Section 22020.

22020.  “Public agency” means a city, including a charter city, county, city and county, municipal utility district, community services district, community facilities district, joint powers authority, sanitary district, sanitation district, or water district, as defined in Section 20200 of the Water Code, that has established or participates in a PACE program, and utilizes a program administrator. (Added by Stats. 2017, Ch. 475, Sec. 18. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22050 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Exemptions|Section 22050.

22050.  (a) This division does not apply to any person doing business under any law of any state or of the United States relating to banks, trust companies, savings and loan associations, insurance premium finance agencies, credit unions, small business investment companies, community advantage lenders, California business and industrial development corporations when acting under federal law or other state authority, or licensed pawnbrokers when acting under the authority of that license.“Community advantage lender” means an entity authorized by the United States Small Business Administration to deliver community advantage loans.(b) This division does not apply to a check casher who holds a valid permit issued pursuant to Section 1789.37 of the Civil Code when acting under the authority of that permit, and shall not apply to a person holding a valid license issued pursuant to Section 23005 of the Financial Code when acting under the authority of that license.(c) This division does not apply to a college or university making a loan for the purpose of permitting a person to pursue a program or course of study leading to a degree or certificate.(d) This division does not apply to a broker-dealer acting pursuant to a certificate then in effect and issued pursuant to Section 25211 of the Corporations Code.(e) This division does not apply to any person who makes five or fewer loans in a 12-month period, these loans are commercial loans as defined in Section 22502, and the loans are incidental to the business of the person relying upon the exemption.(f) This division does not apply to any public corporation as defined in Section 67510 of the Government Code, any public entity other than the state as defined in Section 811.2 of the Government Code, or any agency of any one or more of the foregoing, when making any loan so long as the public corporation, public entity, or agency of any one or more of the foregoing complies with all applicable federal and state laws and regulations.(Amended by Stats. 2013, Ch. 243, Sec. 1. (AB 1091) Effective January 1, 2014.)