reglab/housing_qa huggingface dataset:
CA Civ Code § 1747.85 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1747.85.

1747.85.  Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days’ written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment or otherwise in violation of any provision of the agreement between the card issuer and the cardholder governing the cardholder’s use of the credit card or unless the card issuer has evidence or reasonable belief that the cardholder is unable or unwilling to repay obligations incurred under the agreement or that an unauthorized use of the card may be made.Nothing provided herein shall be construed to prohibit a card issuer from placing the account of a cardholder on inactive status if the cardholder has not used the card for a period in excess of 18 months or from requiring that cardholder, upon subsequent reuse of a card, to provide to the card issuer such updated information as will enable the card issuer to verify the current creditworthiness of the cardholder.(Amended by Stats. 1983, Ch. 1247, Sec. 1.)
CA Civ Code § 1747.90 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1747.90.

1747.90.  (a) (1) Subject to the limitation contained in subdivision (b), a card issuer who has issued a credit card to a cardholder pursuant to an open-end consumer credit plan shall be subject to all claims and defenses, other than tort claims, arising out of any transaction in which the credit card is used as a method of payment or extension of credit if the following conditions are met:(A) The cardholder has made a good faith attempt to obtain satisfactory resolution of a disagreement or problem relative to the transaction from the person honoring the credit card.(B) The amount of the initial transaction exceeds fifty dollars ($50).(C) The place where the initial transaction occurred was in California, or, if not within California, then within 100 miles from the cardholder’s current designated address in California.(2) The limitations set forth in subparagraphs (B) and (C) of paragraph (1) with respect to a cardholder’s right to assert claims and defenses against a card issuer shall not be applicable to any transaction in which the person honoring the credit card satisfies any of the following requirements:(A) Is the same person as the card issuer.(B) Is controlled by the card issuer.(C) Is under direct or indirect common control with the card issuer.(D) Is a franchised dealer in the card issuer’s products or services.(E) Has obtained the order for such transaction through a mail solicitation made by or participated in by the card issuer in which the cardholder is solicited to enter into such transaction by using the credit card issued by the card issuer.(b) The amount of claims or defenses asserted by the cardholder may not exceed the amount of credit outstanding with respect to such transaction at the time the cardholder first notifies the card issuer or the person honoring the credit card of such claim or defense. For the purpose of determining the amount of credit outstanding, payments and credits to the cardholder’s account are deemed to have been applied, in the order indicated, to the payment of the following:(1) Late charges in the order of their entry to the account.(2) Finance charges in order of their entry to the account.(3) Debits to the account other than those set forth above, in the order in which each debit entry to the account was made.(c) This section does not apply to the use of a check guarantee card or a debit card in connection with an overdraft credit plan, or to a check guarantee card used in connection with cash advance checks.(Repealed and added by Stats. 1982, Ch. 545, Sec. 11.)
CA Civ Code § 1747.94 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1747.94.

1747.94.  (a) In addition to any other disclosures required by law, a card issuer of a secured credit card shall, in every advertisement or solicitation to prospective cardholders, expressly identify the credit instrument offered as a “secured credit card” and prominently disclose that credit extended under the secured credit card is secured, and shall describe the security by item or type. (b) Any deed of trust executed in connection with a secured credit card shall contain a statement that it is security for a secured credit card obligation. However, failure to include the statement shall not invalidate the deed of trust. (c) This section does not apply to either of the following: (1) Any credit card which is issued under an agreement or other instrument creating a purchase money security interest in property purchased with the credit card, but which does not pledge, hypothecate, or place a lien on other property of the cardholder or any co-obligor. (2) Loans or extensions of credit subject to the Federal Home Equity Loan Consumer Protection Act of 1988 (P. L. 100-709). (d) Any violation of this section shall constitute unfair competition within the meaning of Section 17200 of the Business and Professions Code.(Added by Stats. 1991, Ch. 608, Sec. 2.)
CA Civ Code § 1748 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1748.

1748.  Any provision in a contract between a card issuer and a retailer which has the effect of prohibiting the retailer from offering price discounts or from charging a different and lower price to customers who pay for goods or services by cash instead of by credit card is contrary to public policy and void.(Added by Stats. 1974, Ch. 1520.)
CA Civ Code § 1748.1 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1748.1.

1748.1.  (a) No retailer in any sales, service, or lease transaction with a consumer may impose a surcharge on a cardholder who elects to use a credit card in lieu of payment by cash, check, or similar means. A retailer may, however, offer discounts for the purpose of inducing payment by cash, check, or other means not involving the use of a credit card, provided that the discount is offered to all prospective buyers.(b) Any retailer who willfully violates this section by imposing a surcharge on a cardholder who elects to use a credit card and who fails to pay that amount to the cardholder within 30 days of a written demand by the cardholder to the retailer by certified mail, shall be liable to the cardholder for three times the amount at which actual damages are assessed. The cardholder shall also be entitled to recover reasonable attorney’s fees and costs incurred in the action.A cause of action under this section may be brought in small claims court, if it does not exceed the jurisdiction of that court, or in any other appropriate court.(c) A consumer shall not be deemed to have elected to use a credit card in lieu of another means of payment for purposes of this section in a transaction with a retailer if only credit cards are accepted by that retailer in payment for an order made by a consumer over a telephone, and only cash is accepted at a public store or other facility of the same retailer.(d) Charges for third-party credit card guarantee services, when added to the price charged by the retailer if cash were to be paid, shall be deemed surcharges for purposes of this section even if they are payable directly to the third party or are charged separately.(e) It is the intent of the Legislature to promote the effective operation of the free market and protect consumers from deceptive price increases for goods and services by prohibiting credit card surcharges and encouraging the availability of discounts by those retailers who wish to offer a lower price for goods and services purchased by some form of payment other than credit card.(f) This section does not apply to charges for payment by credit card or debit card that are made by an electrical, gas, or water corporation and approved by the Public Utilities Commission pursuant to Section 755 of the Public Utilities Code.(Amended by Stats. 2005, Ch. 426, Sec. 1. Effective January 1, 2006.)
CA Civ Code § 1748.5 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1748.5.

1748.5.  (a) A cardholder may request, not more frequently than once a year, that the card issuer inform the cardholder of the total amount of finance charges assessed on the account during the preceding calendar year and the card issuer shall provide that information to the cardholder within 30 days of receiving the request, without charge.If the cardholder’s request for the information is made in writing, the card issuer shall provide the information in writing. However, if the card issuer is required to furnish the cardholder 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.(b) This section shall not apply to card issuers or cardholders who issue or use credit cards in connection with a retail installment account, as defined by Section 1802.7.(Repealed and added by Stats. 1996, Ch. 180, Sec. 2. Effective January 1, 1997.)
CA Civ Code § 1748.9 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1748.9.

1748.9.  (a) A credit card issuer that extends credit to a cardholder through the use of a preprinted check or draft shall disclose on the front of an attachment that is affixed by perforation or other means to the preprinted check or draft, in clear and conspicuous language, all of the following information:(1) That “use of the attached check or draft will constitute a charge against your credit account.”(2) The annual percentage rate and the calculation of finance charges, as required by Section 226.16 of Regulation Z of the Code of Federal Regulations, associated with the use of the attached check or draft.(3) Whether the finance charges are triggered immediately upon the use of the check or draft.(Added by Stats. 1999, Ch. 171, Sec. 1. Effective January 1, 2000. Operative July 1, 2000, by Sec. 2 of Ch. 171.)
CA Civ Code § 1748.95 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3 - CREDIT CARDS|Section 1748.95.

1748.95.  (a) (1) Upon the request of a person who has obtained a police report pursuant to Section 530.6 of the Penal Code, a credit card issuer shall provide to the person, or to a law enforcement officer specified by the person, copies of all application forms or application information containing the person’s name, address, or other identifying information pertaining to the application filed with the credit card issuer by an unauthorized person in violation of Section 530.5 of the Penal Code.(2) Before providing copies pursuant to paragraph (1), the credit card issuer shall inform the requesting person of the categories of identifying information that the unauthorized person used to complete the application and shall require the requesting person to provide identifying information in those categories and a copy of the police report.(3) The credit card issuer shall provide copies of all forms and information required by this section, without charge, within 10 business days of receipt of the person’s request and submission of the required copy of the police report and identifying information.(b) (1) Before a credit card issuer provides copies to a law enforcement officer pursuant to paragraph (1) of subdivision (a), the credit card issuer may require the requesting person to provide them with a signed and dated statement by which the person does all of the following:(A) Authorizes disclosure for a stated period.(B) Specifies the name of the agency or department to which the disclosure is authorized.(C) Identifies the type of records that the person authorizes to be disclosed.(2) The credit card issuer shall include in the statement to be signed by the requesting person a notice that the person has the right at any time to revoke the authorization.(c) As used in this section, “law enforcement officer” means a peace officer as defined by Section 830.1 of the Penal Code.(Added by Stats. 2001, Ch. 493, Sec. 1. Effective January 1, 2002.)
CA Civ Code § 1748.10 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3A - CREDIT CARD DISCLOSURE|Section 1748.10.

1748.10.  This act shall be known and may be cited as the “Areias Credit Card Full Disclosure Act of 1986.”(Amended by Stats. 2001, Ch. 159, Sec. 32. Effective January 1, 2002.)
CA Civ Code § 1748.14 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3A - CREDIT CARD DISCLOSURE|Section 1748.14.

1748.14.  Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.(Added by Stats. 2002, Ch. 815, Sec. 3. Effective January 1, 2003.)
CA Civ Code § 1748.20 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3B - CHARGE CARD DISCLOSURES|Section 1748.20.

1748.20.  This title may be cited as the “ Areias-Robbins Charge Card Full Disclosure Act of 1986.”(Added by Stats. 1986, Ch. 1397, Sec. 3.)
CA Civ Code § 1748.21 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3B - CHARGE CARD DISCLOSURES|Section 1748.21.

1748.21.  For the purposes of this title:(a) “Charge card” means any card, plate, or other credit device pursuant to which the charge card issuer extends credit to the charge cardholder, primarily for personal, family, or household purposes where (1) the credit extended does not subject the charge cardholder to a finance charge and (2) the charge cardholder cannot automatically access credit that is repayable in installments.(b) “Charge cardholder” means the person to whom a charge card is issued.(c) “Charge card issuer” means any person that issues a charge card or that person’s agent with respect to the card.(Added by Stats. 1986, Ch. 1397, Sec. 3.)
CA Civ Code § 1748.23 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3B - CHARGE CARD DISCLOSURES|Section 1748.23.

1748.23.  Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.(Added by Stats. 2002, Ch. 815, Sec. 4. Effective January 1, 2003.)
CA Civ Code § 1748.30 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3C - DEBIT CARDS|Section 1748.30.

1748.30.  For purposes of this title, the following definitions shall apply:(a) “Accepted debit card” means any debit card which the debit cardholder has requested and received or has signed, or has used, or has authorized another person to use, for the purpose of obtaining money, property, labor, or services. Any debit card issued in renewal of, or in substitution for, an accepted debit card becomes an accepted debit card when received by the debit cardholder, whether the debit card is issued by the same or by a successor card issuer.(b) “Account” means a demand deposit (checking), savings, or other consumer asset account, other than an occasional or incidental credit balance in a credit plan, established primarily for personal, family, or household purposes.(c) “Adequate notice” has the same meaning as found in subdivision (k) of Section 1747.02.(d) “Debit card” means an accepted debit card or other means of access to a debit cardholder’s account that may be used to initiate electronic funds transfers and may be used without unique identifying information such as a personal identification number to initiate access to the debit cardholder’s account.(e) “Debit card issuer” means any person who issues a debit card or the agent of that person for that purpose.(f) “Debit cardholder” means a natural person to whom a debit card is issued.(g) “Unauthorized use” means the use of a debit card by a person, other than the debit cardholder, to initiate an electronic fund transfer from the debit cardholder’s account without actual authority to initiate the transfer and from which the debit cardholder receives no benefit. The term does not include an electronic fund transfer initiated in any of the following manners:(1) By a person who was furnished the debit card to the debit cardholder’s account by the debit cardholder, unless the debit cardholder has notified the debit card issuer that transfers by that person are no longer authorized.(2) With fraudulent intent by the debit cardholder or any person acting in concert with the debit cardholder.(3) By the debit card issuer or its employee.(Added by Stats. 1999, Ch. 244, Sec. 1. Effective January 1, 2000.)
CA Civ Code § 1748.31 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3C - DEBIT CARDS|Section 1748.31.

1748.31.  (a) A debit cardholder shall be liable for an unauthorized use of a debit card only if all of the following conditions are met:(1) The card is an accepted debit card.(2) Except as provided in subdivision (b), the liability is not in excess of fifty dollars ($50).(3) The debit card issuer has given adequate notice to the debit cardholder of the potential liability.(4) The debit card issuer has provided the debit cardholder with a description of the means by which the debit card issuer may be notified of loss or theft of the card.(5) The unauthorized use occurs before the debit card issuer has been notified by the debit cardholder that an unauthorized use of the debit card has occurred or may occur as a result of loss, theft, or otherwise.(6) The debit card issuer has provided a means to identify the debit cardholder to whom the debit card was issued.(b) Notwithstanding subdivision (a), if the debit cardholder fails to report an unauthorized use that appears on a periodic statement within 60 days of the debit card issuer’s transmittal of the statement, and if the issuer establishes that an unauthorized use would not have occurred had the debit cardholder notified the issuer within the 60-day period, the debit cardholder shall be liable for the amount of each unauthorized transfer that occurs after the close of the 60 days and before notice to the issuer. If the debit cardholder’s delay in notifying the debit card issuer was due to extenuating circumstances beyond the debit cardholder’s reasonable control, the time specified above shall be extended by a reasonable period. For the purposes of this subdivision, examples of extenuating circumstances include, but are not limited to, extended travel, the death or serious illness of the debit cardholder or a member of the debit cardholder’s family, hospitalization, permanent mental impairment, or serious physical impairment, unless the circumstance did not reasonably contribute to the cardholder’s delay in notifying the debit card issuer within the 60-day period.(c) A debit cardholder shall have no liability for erroneous or fraudulent transfers initiated by a debit card issuer, its agent, or employee.(Added by Stats. 1999, Ch. 244, Sec. 1. Effective January 1, 2000.)
CA Civ Code § 1748.32 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3C - DEBIT CARDS|Section 1748.32.

1748.32.  Any waiver of the provisions of this title is contrary to public policy, and is void and unenforceable.(Added by Stats. 2002, Ch. 815, Sec. 5. Effective January 1, 2003.)
CA Civ Code § 1748.40 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3.5 - Consumer Refunds|Section 1748.40.

1748.40.  For purposes of this title:(a) “Accepted debit card” means any debit card which the debit cardholder has requested and received or has signed, or has used, or has authorized another person to use, for the purpose of obtaining money, property, labor, or services. Any debit card issued in renewal of, or in substitution for, an accepted debit card becomes an accepted debit card when received by the debit cardholder, whether the debit card is issued by the same or by a successor card issuer. (b) “Business” means a proprietorship, partnership, corporation, or other form of commercial enterprise. “Business” does not include a restaurant.(c) “Cardholder” means a natural person to whom a prepaid debit card is issued.(d) “Debit card” means an accepted debit card or other means of access to a debit cardholder’s account that may be used to initiate electronic funds transfers and may be used without unique identifying information such as a personal identification number to initiate access to the debit cardholder’s account. (e) “Prepaid debit card” means a debit card that meets either of the following: (1) A card, code, or other means of access to funds of a recipient that is usable at multiple, unaffiliated merchants for goods or services, or usable at automated teller machines.(2) The same as those terms or related terms are defined in the regulations adopted under the Electronic Fund Transfer Act regarding general use reloadable cards. (f) “Refund” means a return of a sum of money to a customer who has overpaid for services or property or is otherwise owed money by the business. (Added by Stats. 2019, Ch. 130, Sec. 1. (AB 1428) Effective January 1, 2020.)
CA Civ Code § 1748.41 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.3.5 - Consumer Refunds|Section 1748.41.

1748.41.  If a business offers a refund to a customer via a prepaid debit card for a purchase initiated by the customer in California, the business shall provide the customer with at least one other method of receiving the refund other than a prepaid debit card.(Added by Stats. 2019, Ch. 130, Sec. 1. (AB 1428) Effective January 1, 2020.)
CA Civ Code § 1749 (2021)
2021 California Code|Civil Code - CIV|DIVISION 3 - OBLIGATIONS|PART 4 - OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS|TITLE 1.4 - LAYAWAY PRACTICES|Section 1749.

1749.  Any retail seller which permits consumers to lay away consumer goods shall provide to any consumer entering into a layaway agreement with the seller a written statement of the terms and conditions of the agreement, including the following information:(1) The amount of the deposit received.(2) The length of time the goods will be held on layaway which may be expressed as a period of time or as a date when final payment for the goods is due.(3) A specific description of the goods.(4) The total purchase price of the goods including a separate listing of any handling or processing charges.(5) Any other terms and conditions of the layaway agreement.(6) That the seller will refund any layaway deposit and subsequent payments, if any, when, before the end of the stated layaway period, the goods have for any reason become no longer available in the same condition as at the time of the sale to the consumer.(Added by Stats. 1975, Ch. 825.)