reglab/housing_qa huggingface dataset:
CA Fin Code § 22755 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 4 - Revocation and Penalties|ARTICLE 2 - Consumer Loan Penalties|Section 22755.

22755.  It is a violation of this division for a mortgage loan originator to do any of the following:(a) Directly or indirectly employ any scheme, device, or artifice to defraud or mislead borrowers or lenders or to defraud any person.(b) Engage in any unfair or deceptive practice toward any person.(c) Obtain property by fraud or misrepresentation.(d) Solicit or enter into a contract with a borrower that provides in substance that the mortgage loan originator may earn a fee or commission through best efforts to obtain a loan even though no loan is actually obtained for the borrower.(e) Solicit, advertise, or enter into a contract for specific interest rates, points, or other financing terms unless the terms are actually available at the time of soliciting, advertising, or contracting.(f) Conduct any business covered by this division without holding a valid license as required under this division, or assist or aide and abet any person in the conduct of business under this division without a valid license as required under this division.(g) Fail to make disclosures as required by this division and any other applicable state or federal law, including regulations thereunder.(h) Fail to comply with this division or rules or regulations promulgated under this division, or fail to comply with any other state or federal law, including the rules and regulations thereunder, applicable to any business authorized or conducted under this division.(i) Make, in any manner, any false or deceptive statement or representation including, with regard to the rates, points, or other financing terms or conditions for a residential mortgage loan, or engage in bait and switch advertising.(j) Negligently make any false statement or knowingly and willfully make any omission of material fact in connection with any information or reports filed with a governmental agency or the Nationwide Mortgage Licensing System and Registry or in connection with any investigation conducted by the commissioner or another governmental agency.(k) Make any payment, threat, or promise, directly or indirectly, to any person for the purposes of influencing the independent judgment of the person in connection with a residential mortgage loan, or make any payment, threat, or promise, directly or indirectly, to any appraiser of a property, for the purposes of influencing the independent judgment of the appraiser with respect to the value of the property.(l) Collect, charge, attempt to collect or charge, or use or propose any agreement purporting to collect or charge any fee prohibited by this division.(m) Cause or require a borrower to obtain property insurance coverage in an amount that exceeds the replacement cost of the improvements as established by the property insurer.(n) Fail to truthfully account for moneys belonging to a party of a residential mortgage loan transaction.(Added by Stats. 2009, Ch. 160, Sec. 44. (SB 36) Effective October 11, 2009.)
CA Fin Code § 22756 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 4 - Revocation and Penalties|ARTICLE 2 - Consumer Loan Penalties|Section 22756.

22756.  Notwithstanding any other law, any application for licensure, amendment to the application or registration document or notice filed under any of the laws administered by the Department of Business Oversight, or record otherwise required to be filed in this state as an electronic record pursuant to a nationwide central depository for information regarding licensees, including mortgage loan originators, or any electronic record filed through the Nationwide Mortgage Licensing System and Registry, shall be deemed to be a valid original document upon reproduction to paper form by the Department of Business Oversight.(Amended by Stats. 2015, Ch. 190, Sec. 46. (AB 1517) Effective January 1, 2016.)
CA Fin Code § 22757 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 4 - Revocation and Penalties|ARTICLE 2 - Consumer Loan Penalties|Section 22757.

22757.  A finance lender, broker, or mortgage loan originator licensed under this division shall not pay any commission, fee, or other compensation to an unlicensed individual for conducting activities that require a license, unless that unlicensed individual is exempt from licensure pursuant to this division.(Added by Stats. 2012, Ch. 264, Sec. 7. (AB 2666) Effective January 1, 2013.)
CA Fin Code § 22758 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 4 - Revocation and Penalties|ARTICLE 2 - Consumer Loan Penalties|Section 22758.

22758.  This article does not apply to a program administrator or a PACE solicitor.(Added by Stats. 2017, Ch. 475, Sec. 85. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22780 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 4 - Revocation and Penalties|ARTICLE 3 - Commercial Loan Penalties|Section 22780.

22780.  Except as provided in Section 22696, any person who willfully violates any provision of this division, or who willfully violates any rule or order adopted pursuant to this division, shall, upon conviction, be punished by a fine of not more than ten thousand dollars ($10,000), by imprisonment in a county jail for not more than one year or pursuant to subdivision (h) of Section 1170 of the Penal Code, or by both that fine and imprisonment. However, no person may be imprisoned for the violation of any rule or order unless he or she had knowledge of the rule or order. Conviction under this section shall not preclude the commissioner from exercising the authority provided in Section 22713.This article does not apply to a program administrator or PACE solicitor.(Amended by Stats. 2017, Ch. 475, Sec. 86. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22780.1 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 4 - Revocation and Penalties|ARTICLE 3 - Commercial Loan Penalties|Section 22780.1.

22780.1.  A violation of Division 9.5 (commencing with Section 22800) by a licensee shall constitute a violation of this division.(Added by Stats. 2018, Ch. 1011, Sec. 1. (SB 1235) Effective January 1, 2019.)
CA Fin Code § 23000 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Construction and Definitions|Section 23000.

23000.  This division shall be known and may be cited as the “California Deferred Deposit Transaction Law.”(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23001 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 1 - Construction and Definitions|Section 23001.

23001.  As used in this division, the following terms have the following meanings:(a) “Deferred deposit transaction” means a transaction whereby a person defers depositing a customer’s personal check until a specific date, pursuant to a written agreement for a fee or other charge, as provided in Section 23035.(b) “Commissioner” means the Commissioner of Business Oversight.(c) “Department” means the Department of Business Oversight.(d) “Licensee” means any person who offers, originates, or makes a deferred deposit transaction, who arranges a deferred deposit transaction for a deferred deposit originator, who acts as an agent for a deferred deposit originator, or who assists a deferred deposit originator in the origination of a deferred deposit transaction. However, “licensee” does not include a state or federally chartered bank, thrift, savings association, industrial loan company, or credit union. “Licensee” also does not include a retail seller engaged primarily in the business of selling consumer goods, including consumables, to retail buyers that cashes checks or issues money orders for a minimum fee not exceeding two dollars ($2) as a service to its customers that is incidental to its main purpose or business. “Licensee” also does not include an employee regularly employed by a licensee at the licensee’s place of business. An employee, when acting under the scope of the employee’s employment, shall be exempt from any other law from which the employee’s employer is exempt.(e) “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 entity, or a political subdivision of a government entity.(f) “Deferred deposit originator” means a person who offers, originates, or makes a deferred deposit transaction.(Amended by Stats. 2014, Ch. 401, Sec. 34. (AB 2763) Effective January 1, 2015.)
CA Fin Code § 23006 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23006.

23006.  At the time of filing the application, the applicant shall pay to the commissioner the sum of one hundred dollars ($100) as a fee for investigating the application, the sum of two hundred dollars ($200) as an application fee, and the cost of fingerprint processing. The investigation fee and application fee are not refundable if an application is denied or withdrawn.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23007 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23007.

23007.  The applicant shall file with the application financial statements prepared in accordance with generally accepted accounting principles and acceptable to the commissioner that indicate a net worth of at least twenty-five thousand dollars ($25,000). A licensee, regardless of the number of licensed locations, shall maintain a net worth of at least twenty-five thousand dollars ($25,000) at all times.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23008 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23008.

23008.  Upon the filing of an application pursuant to Section 23005 and the payment of fees pursuant to Section 23006, the commissioner shall investigate the applicant, and its general partners and persons owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests if the applicant is a partnership. If the applicant is a corporation, trust, or association, including an unincorporated organization, the commissioner shall investigate its officers, directors, and persons owning or controlling, directly or indirectly, 10 percent or more of the outstanding equity securities. If the commissioner determines that the applicant has satisfied this division and does not find facts constituting reasons for denial under Section 23011, the commissioner shall issue and deliver a license to the applicant.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23009 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23009.

23009.  The license shall state the name of the licensee, and if the licensee is a partnership, the names of its general partners, and if a corporation or an association, the date and place of its incorporation or organization, and the address of the licensee’s principal business location. On the approval and licensing of a location pursuant to Section 23008, the commissioner shall issue an original license endorsed to show the address of the authorized location.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23010 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23010.

23010.  The commissioner may by regulation require licensees to file, at the times that the commissioner may specify, the information that the commissioner may reasonably require regarding any changes in the information provided in any application filed pursuant to this division.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23011 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23011.

23011.  (a) Upon reasonable notice and the opportunity to be heard, the commissioner may deny the application for any of the following reasons:(1) Any false statement of material fact has been made in the application.(2) Any officer, director, general partner, or person owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests or equity securities of the applicant has, within the last 10 years (A) been convicted of or pleaded nolo contendere to a crime, 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 officer, director, or general partner, or person owning or controlling, directly or indirectly, 10 percent or more of the outstanding interests or equity securities of the applicant has violated any provision of this division or the rules thereunder or any similar regulatory scheme of the State of California or a foreign jurisdiction.(b) The application shall be considered withdrawn within the meaning of this section if the applicant fails to respond to a written notification of a deficiency in the application within 90 days of the date of the notification.(c) The commissioner shall, within 60 days from the filing of a full and complete application for a license and the payment of required fees, either issue a license or file a statement of issues prepared in accordance with Chapter 5 (commencing with Section 11500) of Part 1 of Division 3 of Title 2 of the Government Code.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23011.5 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23011.5.

23011.5.  (a) The commissioner may, after appropriate notice and opportunity for hearing, by order, censure or suspend for a period not exceeding 12 months, or bar from any position of employment, management, or control any deferred deposit originator, or any other person, if the commissioner finds either of the following:(1) That the censure, suspension, or bar is in the public interest and that the person has committed or caused a violation of this division or rule or order of the commissioner, which violation was either known or should have been known by the person committing or causing it or has caused material damage to the deferred deposit originator, or to the public.(2) That the person has been convicted of or pleaded nolo contendere to any crime, or has been held liable in any civil action by final judgment, or any administrative judgment by any public agency, if that crime or civil or administrative judgment involved any offense involving dishonesty, fraud, or deceit, or any other offense reasonably related to the qualifications, functions, or duties of a person engaged in the business in accordance with the provisions of this division.(b) Within 15 days from the date of a notice of intention to issue an order pursuant to subdivision (a), the person may request a hearing under the Administrative Procedure Act (Chapter 4.5 (commencing with Section 11400) of Division 3 of Title 2 of the Government Code). Upon receipt of a request, the matter shall be set for hearing to commence within 30 days after such receipt unless the person subject to this division consents to a later date. If no hearing is requested within 15 days after the mailing or service of such notice and none is ordered by the commissioner, the failure to request a hearing shall constitute a waiver of the right to a hearing.(c) Upon receipt of a notice of intention to issue an order pursuant to this section, the person who is the subject of the proposed order is immediately prohibited from engaging in any activities subject to licensure under the law.(d) Persons suspended or barred under this section are prohibited from participating in any business activity of a deferred deposit originator and from engaging in any business activity on the premises where a deferred deposit originator is conducting business.(Added by Stats. 2007, Ch. 101, Sec. 24. Effective January 1, 2008.)
CA Fin Code § 23012 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23012.

23012.  The proceedings for 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, and the commissioner has all the powers granted therein.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23013 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23013.

23013.  (a) A licensee shall maintain a surety bond in accordance with this subdivision in the 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. A copy of the bond, including any and all riders and endorsements executed subsequent to the effective date of the bond, shall be filed with the commissioner for review and approval within 10 days of execution. For licensees with multiple licensed locations, only one surety bond in the amount of twenty-five thousand dollars ($25,000) is required. The bond shall be used for the recovery of expenses, fines, and fees levied by the commissioner in accordance with this division or for losses or damages incurred by consumers as the result of a licensee’s noncompliance with the requirements of this division.(b) 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.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23014 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 2 - Licensing and Exemptions|Section 23014.

23014.  In any proceeding under this division, the burden of proving an exemption or exception is upon the person claiming it.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23015 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 3 - Administration and Operations|Section 23015.

23015.  The commissioner may make general rules and regulations and specific rulings, demands, and findings for the enforcement of this division, in addition to, and within the general purposes of, this division.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)
CA Fin Code § 23015.5 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 3 - Administration and Operations|Section 23015.5.

23015.5.  (a) It is unlawful for any person to knowingly alter, destroy, mutilate, conceal, cover up, falsify, or make a false entry in any record, document, or tangible object with the intent to impede, obstruct, or influence the administration or enforcement of any provision of this division.(b) It is unlawful for any person to knowingly make an untrue statement to the commissioner during the course of licensing, investigation, or examination, with the intent to impede, obstruct, or influence the administration or enforcement of any provision of this division.(Added by renumbering Section 23015 (as added by Stats. 2007, Ch. 101, Sec. 25) by Stats. 2015, Ch. 303, Sec. 159. (AB 731) Effective January 1, 2016.)
CA Fin Code § 23016 (2021)
2021 California Code|Financial Code - FIN|DIVISION 10 - CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW|CHAPTER 1 - General Provisions|ARTICLE 3 - Administration and Operations|Section 23016.

23016.  (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 program in the year in which the assessment is made. The assessment will be based on the number of locations.(b) On or before the 20th day of May in each year, the commissioner shall notify each licensee by mail of the amount assessed and levied against it and that amount shall be paid within 30 days thereafter. If payment is not made within 30 days, the commissioner may assess and collect a penalty, in addition to the assessment, of 1 percent of the assessment for each month or part of a month that the payment is delayed or withheld.(c) If a licensee fails to pay the assessment on or before the 30th day of June following the day upon which payment is due, the commissioner may by order summarily suspend or revoke the certificate 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 its certificate is revoked or suspended, a licensee shall not conduct business pursuant to this division except as may be permitted by order of the commissioner. However, the revocation, suspension, or surrender of a certificate shall not affect the powers of the commissioner as provided in this division.(Added by Stats. 2002, Ch. 777, Sec. 10. Effective January 1, 2003. Section operative on December 31, 2004, or sooner, pursuant to Section 23104.)