reglab/housing_qa huggingface dataset:
CA Fin Code § 90008 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 6 - Administration|Section 90008.

90008.  (a) The department shall, by rule, establish reasonable procedures to provide a timely response to consumers, in writing where appropriate, to complaints against, or inquiries concerning, a covered person.(b)  The department shall, by rule, require a covered person to provide a timely response, in writing where appropriate, to the department concerning a consumer complaint or inquiry, including all of the following:(1) Steps that have been taken by the covered person to respond to the complaint or inquiry of the consumer.(2) Responses received by the covered person from the consumer.(3) Follow-up actions or planned follow-up actions by the covered person to respond to the complaint or inquiry of the consumer.(c) Subdivisions (a) and (b) shall not apply to a covered person to the extent it is a consumer reporting agency, as defined by the Fair Credit Reporting Act (15 U.S.C. Sec. 1681a(f)).(d) With respect to the provision of information to consumers by covered persons, all of the following shall apply:(1) A covered person shall, in a timely manner, comply with a consumer request for information in the control or possession of that covered person concerning the consumer financial product or service that the consumer obtained from that covered person, including supporting written documentation, concerning the account of the consumer.(2) Notwithstanding paragraph (1), a covered person may not be required by this section to make available to the consumer any of the following information:(A) Confidential commercial information, including an algorithm used to derive credit scores or other risk scores or predictors.(B) Information collected by the covered person for the purpose of preventing fraud or money laundering, or detecting or making any report regarding other unlawful or potentially unlawful conduct.(C) Information required to be kept confidential by any other provision of law.(D) Nonpublic or confidential information, including confidential supervisory information.(E) Information collected, received, maintained, disclosed, sold, or processed pursuant to the Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.), but only to the extent subdivision (b) is inconsistent with any provision of the Fair Credit Reporting Act, and then only to the extent of the inconsistency, or to the extent that subdivision (b) imposes a requirement that is otherwise prohibited under Section 1681t(b) of Title 15 of the United States Code.(3) This subdivision shall not apply to a consumer credit reporting agency subject to Section 1785.10 of the Civil Code.(e) The department shall promulgate regulations to implement subdivisions (a) and (b) before commencing an enforcement action against a covered person or service provider for a violation of those provisions.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90010 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 7 - Oversight|Section 90010.

90010.  (a) This section shall apply to any covered person who meets any of the following conditions:(1) Offers or provides origination, brokerage, or servicing of loans secured by real estate for use by consumers primarily for personal, family, or household purposes, or loan modification or foreclosure relief services in connection with those loans.(2) Is a registrant of the department that is required to be registered by statute or by rule.(3) The department has reasonable cause to determine, by order, after notice to the covered person that the covered person is offering or providing financial products or services.(4) Is a service provider to a person described in paragraphs (1) to (3), inclusive.(b) The department may require reports and conduct examinations on a periodic basis of persons described in subdivision (a) for purposes of all of the following:(1) Assessing compliance with the requirements of consumer financial laws.(2) Obtaining information about the activities and compliance systems or procedures of that person.(3) Detecting and assessing risks to consumers, small business, and to markets for consumer financial products and services.(c) This division shall not be construed to limit the authority of the commissioner to require reports from persons described in subdivision (a), as permitted under subdivision (b), regarding information owned or under the control of the person, regardless of whether the information is maintained, stored, or processed by another person.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90011 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 8 - Enforcement Powers and Duties|Section 90011.

90011.  The commissioner and the department shall have all the investigatory and subpoena powers set forth in Sections 11180 to 11191, inclusive, of the Government Code and any subpoena may further require a person to:(a) Produce documentary material for inspection and copying or reproduction in the form or medium requested by the department.(b) File written reports or answers to questions.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90013 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 8 - Enforcement Powers and Duties|Section 90013.

90013.  The department may bring a civil action in accordance with the following:(a) If a person violates any provision of this division, rule or final order, or condition imposed in writing by the department, the department may bring an action in the name of the People of the State of California in the superior court to enjoin the acts or practices or to enforce compliance with this law or any rule or order herein under. Upon a proper showing, a permanent or preliminary injunction, restraining order, or writ of mandate shall be granted and a receiver, monitor, conservator, or other designated fiduciary or officer of the court may be appointed for the defendant or the defendant’s assets, or any other ancillary relief may be granted as appropriate. A receiver, monitor, conservator, or other designated fiduciary or officer of the court appointed by the superior court pursuant to this section may, with the approval of the court, exercise any or all of the powers of the defendant’s officers, directors, partners, trustees, or persons who exercise similar powers and perform similar duties, including the filing of a petition for bankruptcy. No action at law or in equity may be maintained by any party against the commissioner, or a receiver, monitor, conservator, or other designated fiduciary or officer of the court, by reason of their exercising these powers or performing these duties pursuant to the order of, or with the approval of, the superior court.(b) If the commissioner determines it is in the public interest, the commissioner may include in any action authorized by subdivision (a) a claim for ancillary relief, including, but not limited to, those listed in subdivision (b) of Section 90012 and a claim for penalties as stated in subdivision (c) of Section 90012. The court shall have jurisdiction to award additional relief.(c) In any action brought by the department, the department may recover its costs in connection with prosecuting the action if the department is the prevailing party in the action.(d) This section shall not be construed to authorize the imposition of exemplary or punitive damages.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90014 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 8 - Enforcement Powers and Duties|Section 90014.

90014.  The following limitations apply to actions brought under this division:(a) Except as otherwise permitted by law or equity, including provisions under any consumer financial law, no civil action may be brought under this division more than four years after the date of discovery of the violation to which an action relates.(b) In any action arising solely under a California or federal consumer financial law, both:(1) The limitations period under that consumer financial law shall apply, and not the period under subdivision (a).(2) The department may commence, defend, or intervene in the action in accordance with the requirements of that provision of law, as applicable.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90016 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 8 - Enforcement Powers and Duties|Section 90016.

90016.  The commissioner shall not outsource or delegate enforcement authority under this division to a private attorney.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90017 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 8 - Enforcement Powers and Duties|Section 90017.

90017.  In regard to cooperation with the Attorney General, the following provisions apply:(a) The department may enter into an agreement with the Attorney General with respect to civil actions by each agency.(b) A provision of this division, any regulation or order made under the authority of this division, or any agreement under this subdivision shall not do any of the following:(1) Limit the powers or authorities of the Attorney General, including, but not limited to, the Attorney General’s ability to prosecute violations of civil or criminal laws.(2) Limit the rights of any consumer, or the obligations of any covered person or service provider, under the Unfair Competition Law, the False Advertising Law, or any consumer financial law.(c) (1) If the department obtains evidence that a person has engaged in conduct that may constitute a violation of criminal law, the department shall transmit that evidence to the Attorney General.(2) This subdivision shall not affect any other authority of the department to disclose information.(d) (1) This section shall not be construed to limit the authority of the department under this division to cooperate with any regulatory or law enforcement body.(2) The department shall notify other regulatory agencies that will be impacted by the department’s actions under this division.(e) Nothing in this division shall limit the ability of any district attorney or any city attorney lawfully permitted pursuant to Section 17204 of the Business and Professions Code to bring actions or obtain relief pursuant to Chapter 5 (commencing with Section 17200) of Part 2 of Division 7 of the Business and Professions Code. Remedies sought and obtained by district attorneys and city attorneys pursuant to Chapter 5 (commencing with Section 17200) of Part 2 of Division 7 of the Business and Professions Code shall be cumulative to remedies set forth in this division.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90018 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 9 - Annual Report|Section 90018.

90018.  (a) The commissioner shall prepare and publish on the department’s internet website an annual report detailing actions taken during the prior year under this law.(b) The report described in subdivision (a) shall include, but not be limited to, information on actions taken with respect to all of the following:(1) Rulemaking, enforcement, oversight, consumer complaints and resolutions, education, and research.(2) The activities of the Financial Technology Innovation Office.(c) The report may include recommendations, including those intended to result in improved oversight, greater transparency, or increased availability of beneficial financial products and services in the marketplace.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 90019 (2021)
2021 California Code|Financial Code - FIN|DIVISION 24 - California Consumer Financial Protection Law|CHAPTER 10 - Miscellaneous|Section 90019.

90019.  (a) The provisions of this division shall be liberally construed to effectuate its purposes.(b) The provisions of this act are severable. If any provision of this division, or amendments to it, or regulations promulgated under it, or under such amendments, is held invalid, illegal, or unenforceable, then that invalidity, illegality, or unenforceability shall not affect other provisions, amendments, or regulations that can be given effect without the invalid, illegal, or unenforceable provision, amendment, or regulation. Any invalidity, illegality, or unenforceability shall be construed as narrowly as possible and shall be confined in its operation to the clause, sentence, paragraph, or part thereof directly involved in the controversy in which such judgment shall have been rendered and to the person or circumstances involved.(c) To the extent that any provision of this division is preempted by federal law, the provision shall not apply and shall not be enforced solely as to the extent of the preemption and not as to other circumstances, persons, or applications.(Added by Stats. 2020, Ch. 157, Sec. 7. (AB 1864) Effective January 1, 2021.)
CA Fin Code § 100018 (2021)
2021 California Code|Financial Code - FIN|DIVISION 25 - Debt Collection Licensing Act|CHAPTER 3 - Licensee Duties|Section 100018.

100018.  (a) A licensee shall notify the commissioner, in writing, of any change in the information provided in the application for a license, as applicable, not later than 30 days after the occurrence of the event that results in the information becoming inaccurate or incomplete.(b) (1) If a licensee seeks to change its place of business to a street address other than that designated in its license, the licensee shall provide written notice to the commissioner at least 10 days prior to the change.(2) A licensee shall not engage in the business of debt collection at a new location in a name other than a name approved by the commissioner.(3) A licensee that opens a new branch office or changes the location of an existing branch office shall notify the commissioner in writing of the new or changed branch office location within 30 days after the branch office begins business.(Added by Stats. 2020, Ch. 163, Sec. 3. (SB 908) Effective January 1, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)
CA Fin Code § 100019 (2021)
2021 California Code|Financial Code - FIN|DIVISION 25 - Debt Collection Licensing Act|CHAPTER 3 - Licensee Duties|Section 100019.

100019.  A licensee shall do all of the following:(a) Develop policies and procedures reasonably intended to promote compliance with this division.(b) File with the commissioner any report required by the commissioner.(c) Comply with the provisions of this division and any regulation or order of the commissioner.(d) Submit to periodic examination by the commissioner as required by this division and any regulation or order of the commissioner.(e) Maintain a surety bond in accordance with this section in a minimum amount of twenty-five thousand dollars ($25,000). The bond shall be payable to the commissioner and issued by an insurer authorized to do business in this state. The surety bond, including any and all riders and endorsements executed subsequent to the effective date of the bond, shall be filed with the commissioner within 10 days of execution. The bond shall be used for the recovery of expenses, fines, and fees levied by the commissioner in accordance with this division. The commissioner may require licensees to submit bonds, riders, and endorsements electronically through the Nationwide Multistate Licensing System & Registry’s electronic surety bond function.(1) When an action is commenced on a licensee’s bond, the commissioner may require the filing of a new bond. Immediately upon recovery of any action on the bond, the licensee shall file a new bond. Failure to file a new bond within 10 days of the recovery on a bond, or within 10 days after notification by the commissioner that a new bond is required, constitutes sufficient grounds for the suspension or revocation of the license. A licensee may provide the commissioner a refundable deposit in the amount of twenty-five thousand dollars ($25,000) in lieu of the bond while the licensee pursues a new bond.(2) The commissioner may require a higher bond amount for a licensee based on the number of affiliates under the license and the dollar amount of collecting consumer debt by that licensee.(Added by Stats. 2020, Ch. 163, Sec. 3. (SB 908) Effective January 1, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)
CA Fin Code § 100020 (2021)
2021 California Code|Financial Code - FIN|DIVISION 25 - Debt Collection Licensing Act|CHAPTER 3 - Licensee Duties|Section 100020.

100020.  (a) Each licensee shall pay to the commissioner its pro rata share of all costs and expenses reasonably incurred in the administration of this division, as estimated by the commissioner, for the ensuing year and any deficit actually incurred or anticipated in the administration of the division in the year in which the annual fee is levied. The pro rata share shall be based upon the proportion of net proceeds generated by California debtor accounts in the preceding year after the amount levied pursuant to subdivision (c).(b) On or before September 30 in each year, the commissioner shall notify each licensee of the amount of the annual fee schedule that will take effect on January 1. If payment is not made by January 1, the commissioner shall assess and collect a penalty, in addition to the fee, of 1 percent of the assessment for each month or part of a month that the payment is delayed or withheld.(c) In the levying and collection of the annual fees, a licensee shall neither be charged for nor be permitted to pay less than two hundred fifty dollars ($250) nor more than an aggregate of all reasonable costs to operate this division, with the exception of fees associated with investigations and examinations.(d) If a licensee fails to pay the annual fees on or before January 1, the commissioner may by order summarily suspend or revoke the license issued to the licensee. If, after an order is made, a request for hearing is filed in writing within 30 days, and a hearing is not held within 60 days thereafter, the order is deemed rescinded as of its effective date. During any period when the license is revoked or suspended, a licensee shall not engage in the business of collecting debt in this state pursuant to this division except as may be permitted by order of the commissioner. However, the revocation, suspension, or surrender of a license shall not affect the powers of the commissioner as provided in this division.(e) Notwithstanding subdivisions (a) to (d), inclusive, the commissioner may by rule require licensees to pay annual fees through the Nationwide Multistate Licensing System & Registry. (Added by Stats. 2020, Ch. 163, Sec. 3. (SB 908) Effective January 1, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)
CA Fin Code § 100021 (2021)
2021 California Code|Financial Code - FIN|DIVISION 25 - Debt Collection Licensing Act|CHAPTER 3 - Licensee Duties|Section 100021.

100021.  (a) A licensee shall file an annual report with the commissioner, on or before March 15, that contains all relevant information that the commissioner reasonably requires concerning the business and operations conducted by the licensee in the state during the preceding calendar year, including information regarding collection activity. The report shall, at minimum, require disclosure of all of the following information:(1) The total number of California debtor accounts purchased or collected on in the preceding year.(2) The total dollar amount of California debtor accounts purchased in the preceding year.(3) The face value dollar amount of California debtor accounts in the licensee’s portfolio in the preceding year.(4) The total dollar amount of California debtor accounts collected in the preceding year, and the total dollar amount of outstanding debt that remains uncollected.(5) The total dollar amount of net proceeds generated by California debtor accounts in the preceding year. (6) Whether or not the licensee is acting as a debt collector, debt buyer, or both.(7) The case number of any action in which the licensee was held liable by final judgment under Title 1.6C (commencing with Section 1788) or Title 1.6C.5 (commencing with Section 1788.50) of Part 4 of Division 3 of the Civil Code.(b) The individual annual reports filed pursuant to this section shall be made available to the public for inspection.(c) The report shall be made under oath and in the form prescribed by the commissioner.(d) A licensee shall make other special reports that may be required by the commissioner. (Added by Stats. 2020, Ch. 163, Sec. 3. (SB 908) Effective January 1, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)
CA Fin Code § 100022 (2021)
2021 California Code|Financial Code - FIN|DIVISION 25 - Debt Collection Licensing Act|CHAPTER 3 - Licensee Duties|Section 100022.

100022.  A licensee that ceases to engage in debt collection shall inform the commissioner in writing and surrender the license and all other indicia of license to the commissioner. (Added by Stats. 2020, Ch. 163, Sec. 3. (SB 908) Effective January 1, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)
CA Fin Code § 100025 (2021)
2021 California Code|Financial Code - FIN|DIVISION 25 - Debt Collection Licensing Act|CHAPTER 5 - Advisory Committee|Section 100025.

100025.  (a) There is within the Department of Business Oversight, a Debt Collection Advisory Committee.(b) The Debt Collection Advisory Committee shall advise the commissioner on matters relating to debt collection or the debt collection business, including proposed fee schedules and the mechanics and feasibility of implementing requirements proposed in regulations.(c) The Debt Collection Advisory Committee shall consist of seven members; one of whom shall represent consumers.(1) The members of the Debt Collection Advisory Committee shall be appointed by the commissioner.(2) The term of a member of the Debt Collection Advisory Committee shall be two years. However, a member may be reappointed.(3) Membership in the Debt Collection Advisory Committee shall be voluntary. No person shall be required to accept an appointment to the Debt Collection Advisory Committee, and any member may resign at any time by filing a resignation with the commissioner.(4) No member of the Debt Collection Advisory Committee shall receive any compensation, reimbursement for expenses, or other payment from the state in connection with service on the Debt Collection Advisory Committee.(d) The Debt Collection Advisory Committee shall meet at least twice each calendar year.(e) The commissioner may, by order or regulation, prescribe rules governing the Debt Collection Advisory Committee and its members, including, but not limited to, matters relating to meetings, quorum, and actions.(Added by Stats. 2020, Ch. 163, Sec. 3. (SB 908) Effective January 1, 2021. Operative January 1, 2022, pursuant to Sec. 100000.5.)
CA Fish & Game Code § 1 (2021)
2021 California Code|Fish and Game Code - FGC|DIVISION 0.5 - GENERAL PROVISIONS AND DEFINITIONS|CHAPTER 1 - General Definitions|Section 1.

1.  This code shall be known as the Fish and Game Code.(Enacted by Stats. 1957, Ch. 456.)
CA Fish & Game Code § 2 (2021)
2021 California Code|Fish and Game Code - FGC|DIVISION 0.5 - GENERAL PROVISIONS AND DEFINITIONS|CHAPTER 1 - General Definitions|Section 2.

2.  Unless the provisions or the context otherwise requires, the definitions in this chapter govern the construction of this code and all regulations adopted under this code.(Amended by Stats. 1998, Ch. 1052, Sec. 3. Effective January 1, 1999.)