reglab/housing_qa huggingface dataset:
CA Civ Code § 1807.3 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 7 - Refinancing and Consolidation|Section 1807.3.

1807.3.  (a) If any payment, other than a deferred downpayment, under a contract or refinancing agreement is more than twice the amount of an otherwise regularly scheduled equal payment, the contract or refinancing agreement shall contain the following provision: “The payment schedule contained in this contract requires that you make a balloon payment of$(Amount of balloon payment) which is a payment ofmore than double the amount of the regular payments. You have an absolute right to obtain a new payment schedule if you default in the payment of any balloon payment.”(b) If the buyer defaults in the payment of any balloon payment, he or she shall be given an absolute right to obtain a new payment schedule. Unless agreed to by the buyer, the periodic payments under the new schedule shall not be substantially greater than the average of the preceding installments.(Amended by Stats. 1981, Ch. 1075, Sec. 11. Operative October 1, 1982, or sooner, by Sec. 25 of Ch. 1075, as amended by Stats. 1982, Ch. 129, Sec. 12.)
CA Civ Code § 1808.1 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 8 - Add-on Sales|Section 1808.1.

1808.1.  A retail installment contract, which otherwise conforms to the requirements of this chapter, may contain the provision that the seller may at his option add subsequent purchases made by the buyer to the contract, and that the total price of the goods or services covered by the contract shall be increased by the price of such additional goods or services, and that all finance charges and installment payments may at the seller’s option be increased proportionately, and that all terms and conditions of the contract shall apply equally to such additional goods or services. The contract may also provide that the goods purchased under the previous contract or contracts shall be security for the goods purchased under the subsequent contract but only until such time as the total of payments under the previous contract or contracts is fully paid.(Amended by Stats. 1970, Ch. 546.)
CA Civ Code § 1808.4 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 8 - Add-on Sales|Section 1808.4.

1808.4.  Until the seller delivers to the buyer the memorandum as provided in Sections 1808.2 and 1808.3, the buyer shall be obligated to pay only the cash price of the subsequent purchase.(Amended by Stats. 1970, Ch. 546.)
CA Civ Code § 1808.5 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 8 - Add-on Sales|Section 1808.5.

1808.5.  Subject to the other provisions of Article 5 (commencing with Section 1805.1), the finance charge to be included in a consolidated total of payments under subdivision (l) of Section 1808.2 shall be determined by applying the finance charge at the applicable rate to the unpaid balance under subdivision (j) of Section 1808.2, for the period from the date of the consolidation to and including the date when the final installment of the consolidated total is payable.(Amended (as amended by Stats. 1988, Ch. 479, Sec. 7) by Stats. 1991, Ch. 819, Sec. 11.)
CA Civ Code § 1809.1 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 9 - Terms of Purchase by Financing Agency|Section 1809.1.

1809.1.  Notwithstanding any contrary provision of this title a financing agency may purchase a retail installment contract or installment account from a seller on such terms and conditions and for such price as may be mutually agreed upon. No filing of notice or of the assignment, no notice to the buyer of the assignment, and no requirement that the seller be deprived of dominion over payments upon the contract or installment account or over the goods if repossessed by the seller, shall be necessary to the validity of a written assignment of a contract or installment account as against creditors, subsequent purchasers, pledgees, mortgagees or encumbrancers of the seller, except as may otherwise be required by law.(Added by Stats. 1959, Ch. 201.)
CA Civ Code § 1810 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.

1810.  For the purposes of this article, a retail installment account agreement shall be deemed to be accepted by the buyer if (1) the buyer signs the agreement, including signing an application containing the terms of the agreement, or (2) the account is used by the buyer or a person who has been authorized by the buyer to use the account, and the buyer has been notified in writing that the use of the credit card will mean that the agreement has been accepted by the buyer. The agreement shall not become effective unless and until the buyer has been given or provided with the disclosures required pursuant to Section 1810.1, and has accepted the agreement as provided in this section. A subsequent change in any term of the agreement shall not become effective until the seller has given notice of the change and complies with the provisions of subdivision (d) of Section 1810.3.(Added by Stats. 1995, Ch. 566, Sec. 1. Effective January 1, 1996.)
CA Civ Code § 1810.1 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.1.

1810.1.  Notwithstanding any other provisions of this article to the contrary, before the first transaction is made on any retail installment account, the seller shall disclose to the buyer in a single written statement, which the buyer may retain, in terminology consistent with the requirements of Section 1810.3, each of the following items, to the extent applicable:(a) The conditions under which a finance charge may be imposed, including an explanation of the time period, if any, within which any credit extended may be paid without incurring a finance charge.(b) The method of determining the balance upon which a finance charge may be imposed.(c) The method of determining the amount of the finance charge, including the method of determining any minimum, charge which may be imposed as a finance charge.(d) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.(e) The conditions under which any other charges may be imposed, and the method by which they will be determined.(f) The conditions under which the creditor may retain or acquire any security interest in any property to secure the payment of any credit extended on the account, and a description or identification of the type of the interest or interests which may be so retained, or acquired.(g) The minimum periodic payment required.In addition to the penalties provided under Article 12.2 (commencing with Section 1812.6) of this chapter, until the seller delivers the written statement required by this section, the buyer shall be obligated to pay only the cash price of the goods or services.(Amended by Stats. 1970, Ch. 546, Sec. 29.5.)
CA Civ Code § 1810.2 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.2.

1810.2.  Subject to the other provisions of this article, the seller or holder of a retail installment account may charge, receive and collect a finance charge as disclosed to the buyer pursuant to Section 1810.3.(Amended (as amended by Stats. 1988, Ch. 479, Sec. 9) by Stats. 1991, Ch. 819, Sec. 14.)
CA Civ Code § 1810.4 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.4.

1810.4.  The finance charge shall include all charges incident to investigating and making the retail installment account. No fee, expense, delinquency, collection, or other charge whatsoever shall be taken, received, reserved, or contracted by the seller or holder of a retail installment account except as provided in this section. A seller may, however, in an agreement which is accepted by the buyer and of which a copy is given or furnished to the buyer provide for the payment of attorney’s fees and costs in conformity with Article 11 (commencing with Section 1811.1). Any subsequent change in any term of the agreement shall not become effective until the seller has given notice of the change and complies with the provisions of subdivision (d) of Section 1810.3. When credit cards are issued in connection with a retail installment account, the seller, either in the agreement or after giving the notice required by subdivision (d) of Section 1810.3, may require the payment of an annual fee of not more than fifteen dollars ($15) for membership in the credit card plan, which fee shall not be deemed a finance charge or interest for any purpose of the law.The seller or holder of a retail installment account may charge and collect a fee not to exceed fifteen dollars ($15) for the return by a depository institution of a dishonored check, negotiable order of withdrawal, or share draft issued in connection with the retail installment account. The fee is not included in charges as defined in this chapter or in determining the applicable charges which may be made under this chapter.(Amended by Stats. 1995, Ch. 566, Sec. 3. Effective January 1, 1996.)
CA Civ Code § 1810.5 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.5.

1810.5.  If the cost of any insurance is to be separately charged to the buyer, there shall be an agreement to this effect, signed by both the buyer and the seller, a copy of which shall be given or furnished to the buyer. Such agreement shall state whether the insurance is to be procured by the buyer or the seller or holder. If the insurance is to be procured by the seller or holder, the seller or holder shall comply with the provisions of Section 1803.5.(Added by renumbering Section 1810.7 by Stats. 1969, Ch. 625.)
CA Civ Code § 1810.6 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.6.

1810.6.  Nothing in this article prohibits the execution of an agreement between a buyer and seller whereby the seller retains a security interest in goods sold to the buyer until full payment therefor has been made. For purposes of release of the security interests, in the case of goods or services purchased on different dates, the first purchased shall be deemed first paid for, and in the case of goods or services purchased on the same date, the lowest priced shall be deemed first paid for, and all amounts allocated to payment of these goods or services shall be applied to accomplish that result. However, any downpayment on a specific purchase shall be deemed to be allocated in its entirety to such purchase.(Amended by Stats. 1981, Ch. 26, Sec. 3. Effective April 30, 1981.)
CA Civ Code § 1810.7 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.7.

1810.7.  No retail installment account shall require or entail the execution of any note or series of notes by the buyer which when separately negotiated will cut off as to third parties any right of action or defense which the buyer may have against the seller.(Added by renumbering Section 1810.9 by Stats. 1969, Ch. 625.)
CA Civ Code § 1810.8 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.8.

1810.8.  The provisions of Sections 1806.1 and 1806.4 shall be applicable to retail installment accounts.(Added by renumbering Section 1810.10 by Stats. 1969, Ch. 625.)
CA Civ Code § 1810.10 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.10.

1810.10.  (a) Notwithstanding the provision of any contract to the contrary, except as provided in subdivision (b) or (c), no retail seller shall assess any finance charge against the outstanding balance for goods purchased under a retail installment account until the goods are in the buyer’s possession.(b) A finance charge may be assessed against the outstanding balance for such undelivered goods, as follows:(1) From the date when such goods are available for pickup by the buyer and the buyer is notified of their availability, or(2) From the date of purchase, when such goods are delivered or available for pickup by the buyer within 10 days of the date of purchase.(c) In the case of a home improvement contract as defined in Section 7151.2 of the Business and Professions Code, a finance charge may be assessed against the amount financed from the approximate date of commencement of the work as set forth in the home improvement contract.(Amended by Stats. 1979, Ch. 1000.)
CA Civ Code § 1810.11 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.11.

1810.11.  The buyer may request, not more frequently than once a year, that the seller inform the buyer of the total amount of finance charges assessed on the account during the preceding calendar year and the seller shall provide that information to the buyer within 30 days of receiving the request, without charge.If the buyer’s request for the information is made in writing, the seller shall provide the information in writing, provided, however, that if the seller is required to furnish the buyer with a periodic billing or periodic statement of account or furnishes the billing or statement of account, the requested statement of finance charges may be furnished along with the periodic billing or periodic statement of account.“Seller,” for the purposes of this section, means a person engaged in the business of selling goods or furnishing services to retail buyers whose annual sales pursuant to retail installment accounts in California have exceeded one hundred fifty million dollars ($150,000,000) in the seller’s last two consecutive years.(Repealed and added by Stats. 1995, Ch. 693, Sec. 2. Effective January 1, 1996.)
CA Civ Code § 1810.12 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10 - Retail Installment Accounts|Section 1810.12.

1810.12.  (a) Notwithstanding Section 1810.4, a seller or holder of a retail installment account may, subject to subdivision (d) of Section 1810.3, provide that for each installment in default the buyer shall pay a delinquency charge not in excess of one of the following amounts:(1) For a period in default of not less than 10 days, an amount not in excess of ten dollars ($10).(2) For a period in default of not less than 15 days, an amount not in excess of fifteen dollars ($15).(b) Only one delinquency charge may be collected on any installment regardless of the period during which it remains in default. No delinquency charge shall be imposed for any default of payment on any payment due prior to the mailing or delivery to the buyer of the written disclosure concerning the delinquency charge provided by the seller or holder of a retail installment account pursuant to subdivision (d) of Section 1810.3. Payments timely received by the seller under a written extension or deferral agreement shall not be subject to any delinquency charge. The agreement may also provide for payment of any actual and reasonable costs of collection occasioned by removal of the goods from the state without written permission of the holder, or by the failure of the buyer to notify the holder of any change of residence, or by the failure of the buyer to communicate with the holder for a period of 45 days after any default in making payments due under the agreement.(c) Notwithstanding subdivision (b) of Section 1810.3, the seller or holder of a retail installment account shall provide a minimum of 20 days between the monthly billing date and the date upon which the minimum payment is due, exclusive of the applicable grace period provided in subdivision (a).(Amended by Stats. 1996, Ch. 301, Sec. 2. Effective January 1, 1997.)
CA Civ Code § 1810.20 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 10.5 - Retail Installment Account Credit Card Periodic Rate Disclosures|Section 1810.20.

1810.20.  This article shall be known and may be cited as the “Areias Retail Installment Account Full Disclosure Act of 1986.”(Amended by Stats. 2000, Ch. 375, Sec. 6. Effective January 1, 2001.)
CA Civ Code § 1811.1 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 11 - Attorney s Fees and Court Costs|Section 1811.1.

1811.1.  Reasonable attorney’s fees and costs shall be awarded to the prevailing party in any action on a contract or installment account subject to the provisions of this chapter regardless of whether such action is instituted by the seller, holder or buyer. Where the defendant alleges in his answer that he tendered to the plaintiff the full amount to which he was entitled, and thereupon deposits in court, for the plaintiff, the amount so tendered, and the allegation is found to be true, then the defendant is deemed to be a prevailing party within the meaning of this article.(Amended by Stats. 1961, Ch. 1214.)
CA Civ Code § 1812.2 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 12.1 - Repossession and Resale|Section 1812.2.

1812.2.  In the event of any default by the buyer in the performance of his obligations under a contract or installment account, the holder, pursuant to any rights granted therein, may proceed to recover judgment for the balance due without retaking the goods, or he may retake the goods and proceed as hereinafter provided. If he retakes the goods, he shall, within 10 days, give notice to the buyer of his intention to sell the goods at public sale or give notice to the buyer of his intention to retain the goods in satisfaction of the balance due. The notice must state the amount of the overdue payments, that the buyer must pay, if he pays within 10 days of the notice, in order to redeem the goods. In either case the buyer shall have an absolute right to redeem the goods within 10 days after the notice is given by paying or tendering the amount owing under the contract. If the holder gives notice of election to sell the goods the buyer shall also have the absolute right to redeem the goods at any time before sale by paying or tendering the amounts specified above and also any expense reasonably incurred by the seller or holder in good faith in repairing, reconditioning the goods or preparing them for sale. If the holder gives notice of his intention to retain the goods in satisfaction of the indebtedness he shall be deemed to have done so at the end of the 10-day period if the goods are not redeemed; at the time the notice is given, the holder shall furnish the buyer a written statement of the sum due under the contract and the expenses provided for in this section. For failure to render such a statement the holder shall forfeit to the buyer ten dollars ($10) and also be liable to him for all damages suffered because of such failure.(Amended by Stats. 1963, Ch. 1952.)
CA Civ Code § 1812.3 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 12.1 - Repossession and Resale|Section 1812.3.

1812.3.  The notice provided for in Section 1812.2 shall be given to the buyer and any other person liable by causing it to be delivered personally or to be deposited in the United States mail addressed to the buyer or to such other person at his last known address and shall advise the buyer or such other person of his right to redeem as provided for in Section 1812.2. If the holder determines to sell the goods at public sale he shall give notice of the time and place of sale at least 10 days before the date of sale by delivering a copy of the notice personally to the buyer or other person liable or depositing the same in the United States mail addressed to the buyer or such other person at his last known address.(Amended by Stats. 1961, Ch. 1214.)
CA Civ Code § 1812.4 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 12.1 - Repossession and Resale|Section 1812.4.

1812.4.  The proceeds of a resale shall be applied (1) to the payment of the expenses thereof, (2) to the payment of any expenses of retaking, including reasonable attorney’s fees actually incurred, and of any expenses of keeping, storing, repairing, reconditioning or preparing the goods for sale to which the holder may be entitled, (3) to the satisfaction of the balance due under the contract. Any sum remaining after the satisfaction of such claims shall be paid to the buyer.(Added by Stats. 1959, Ch. 201.)
CA Civ Code § 1812.5 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 12.1 - Repossession and Resale|Section 1812.5.

1812.5.  If the proceeds of the sale are not sufficient to cover items (1), (2) and (3) of Section 1812.4, the holder may not recover the deficiency from the buyer or from anyone who has succeeded to the obligations of the buyer.(Amended by Stats. 1963, Ch. 1952.)
CA Civ Code § 1812.6 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 2 - CREDIT SALES|CHAPTER 1 - Retail Installment Sales|ARTICLE 12.2 - Penalties|Section 1812.6.

1812.6.  Any person who shall willfully violate any provision of this chapter shall be guilty of a misdemeanor.(Added by Stats. 1959, Ch. 201.)