reglab/housing_qa huggingface dataset:
CA Fin Code § 22164 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22164.

22164.  (a) If any person engaged in the business regulated by this division refers in any advertising to rates of interest, charges, or cost of loans or assessment contracts, the commissioner shall require that the rates, charges, or costs are stated fully and clearly in the manner that he or she deems necessary to give adequate information to prospective borrowers or property owners. If the rates or costs advertised do not apply to loans or assessment contracts of all classes made or negotiated by the person, this fact shall be clearly indicated in the advertisement.(b) This section shall become operative on January 1, 2019.(Repealed (in Sec. 63) and added by Stats. 2017, Ch. 475, Sec. 64. (AB 1284) Effective October 4, 2017. Section operative January 1, 2019, by its own provisions.)
CA Fin Code § 22165 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22165.

22165.  No advertising copy shall be used after its use has been disapproved by the commissioner and the licensee is notified in writing of the disapproval. The commissioner may by order direct any licensee to submit advertising copy to the commissioner for review prior to use.(Amended by Stats. 2010, Ch. 640, Sec. 1. (SB 1146) Effective January 1, 2011.)
CA Fin Code § 22166 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22166.

22166.  The commissioner may require licensees to maintain a file of all advertising copy for a period of two years from the date of its use. The file shall be available to the commissioner upon request.(Amended by Stats. 2010, Ch. 640, Sec. 2. (SB 1146) Effective January 1, 2011.)
CA Fin Code § 22167 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22167.

22167.  A licensed finance lender may act as a broker as defined in Section 22004 at its licensed place of business without obtaining an additional license as a broker under this division provided the licensee has notified the commissioner of the action in writing.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22168 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22168.

22168.  (a) The commissioner may, after appropriate notice and opportunity for hearing, suspend for a period not to exceed 12 months or bar a person from any position of employment with a licensee if the commissioner finds that the person has willfully used or claimed without authority a designation or certification of special education, practice, or skill that the person has not attained, or willfully held out to the public a confusingly similar designation or certification for the purpose of misleading the public regarding his or her qualifications or experience.(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 5 (commencing with Section 11500) of Part 1 of Division 3 of Title 2 of the Government Code). Upon receiving a request, the matter shall be set for hearing to commence within 30 days after 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 the 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 subdivision (a), the person who is the subject of the proposed order is immediately prohibited from engaging in any activities subject to licensure under this division.(d) Persons suspended or barred under this section are prohibited from participating in any business activity of a licensed finance lender, broker, program administrator, or mortgage loan originator, and from engaging in any business activity on the premises where a licensed finance lender, broker, program administrator, or mortgage loan originator is conducting its business. This subdivision does not prohibit suspended or barred persons from having their personal transactions processed by a licensed finance lender, broker, mortgage loan originator, or program administrator.(e) This section shall become operative on January 1, 2019.(Repealed (in Sec. 65) and added by Stats. 2017, Ch. 475, Sec. 66. (AB 1284) Effective October 4, 2017. Section operative January 1, 2019, by its own provisions.)
CA Fin Code § 22169 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22169.

22169.  (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 a person, including a mortgage loan originator, from any position of employment with, or management or control of, any finance lender, broker, program administrator, 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 finance lender, broker, program administrator, or mortgage loan 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) or (b), the person may request a hearing under the Administrative Procedure Act (Chapter 4.5 (commencing with Section 11400) of Part 1 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 finance lender, broker, program administrator, or mortgage loan originator, and from engaging in any business activity on the premises where a finance lender, broker, program administrator, or mortgage loan originator is conducting business.(e) This section shall become operative on January 1, 2019. (Repealed (in Sec. 67) and added by Stats. 2017, Ch. 475, Sec. 68. (AB 1284) Effective October 4, 2017. Section operative January 1, 2019, by its own provisions.)
CA Fin Code § 22170 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22170.

22170.  (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 or the Nationwide Mortgage Licensing System and Registry 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.(Amended by Stats. 2009, Ch. 160, Sec. 40.5. (SB 36) Effective October 11, 2009.)
CA Fin Code § 22171 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22171.

22171.  (a) The commissioner shall apply the guidance on nontraditional mortgage product risks published on November 14, 2006, by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, and the Statement on Subprime Mortgage Lending published on July 17, 2007, by the aforementioned entities and the National Association of Consumer Credit Administrators, to licensees.(b) The commissioner may adopt emergency and final regulations to clarify the application of this section as soon as possible.(c) A finance lender or broker licensee shall adopt and adhere to policies and procedures that are reasonably intended to achieve the objectives set forth in the documents described in subdivision (a). A mortgage loan originator licensee shall adhere to policies and procedures developed by its employer in accordance with this division and applicable federal law and regulation.(Amended by Stats. 2009, Ch. 160, Sec. 41. (SB 36) Effective October 11, 2009.)
CA Fin Code § 22172 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 1 - General Provisions|ARTICLE 4 - Regulations|Section 22172.

22172.  (a) The commissioner may do one or more of the following:(1) Deny, suspend, revoke, condition, or decline to renew a mortgage loan originator license for a violation of this division, or any rules or regulations adopted thereunder.(2) Deny, suspend, revoke, condition, or decline to renew a mortgage loan originator license if an applicant or licensee fails at any time to meet the requirements of Section 22109.1 or 22109.4, or withholds information or makes a material misstatement in an application for a license or license renewal.(3) Order restitution against a mortgage loan originator or any finance lender or broker licensee employing a mortgage loan originator for a violation of this division.(4) Impose fines on a mortgage loan originator or any finance lender or broker licensee employing a mortgage loan originator pursuant to subdivisions (b), (c), and (d).(5) Issue orders or directives to mortgage loan originators under this division as follows:(A) Order or direct a mortgage loan originator or any finance lender or broker licensee employing a mortgage loan originator to desist and refrain from conducting business, including immediate temporary orders to desist and refrain.(B) Order or direct a mortgage loan originator or any finance lender or broker licensee employing a mortgage loan originator to cease any harmful activities or violations of this division, including immediate temporary orders to desist and refrain.(C) Enter immediate temporary orders to cease business under a license issued pursuant to the authority granted under Section 22100 if the commissioner determines that the license was erroneously granted or the mortgage loan originator is currently in violation of this division.(D) Order or direct any other affirmative action as the commissioner deems necessary.(b) The commissioner may impose a civil penalty on a mortgage loan originator or any finance lender or broker licensee employing a mortgage loan originator, if the commissioner finds, on the record after notice and opportunity for hearing, that the mortgage loan originator or any finance lender or broker licensee employing a mortgage loan originator has violated or failed to comply with any requirement of this division or any regulation prescribed by the commissioner under this division or order issued under authority of this division.(c) The maximum amount of penalty for each act or omission described in subdivision (b) shall be twenty-five thousand dollars ($25,000).(d) Each violation or failure to comply with any directive or order of the commissioner is a separate and distinct violation or failure.(Added by Stats. 2009, Ch. 160, Sec. 41.5. (SB 36) Effective October 11, 2009.)
CA Fin Code § 22200 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 1 - Definitions|Section 22200.

22200.  “Charges” include the aggregate interest, fees, bonuses, commissions, brokerage, discounts, expenses, and other forms of costs charged, contracted for, or received by a licensee or any other person in connection with the investigating, arranging, negotiating, procuring, guaranteeing, making, servicing, collecting, and enforcing of a loan or forbearance of money, credit, goods, or things in action, or any other service rendered.(Repealed and added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22201 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 1 - Definitions|Section 22201.

22201.  “Charges” include any profit or advantage of any kind that a licensee may contract for, collect, receive, or obtain by a collateral sale, purchase, or agreement, in connection with negotiating, arranging, making, or otherwise in connection with any loan.(Repealed and added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22202 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 1 - Definitions|Section 22202.

22202.  “Charges” do not include any of the following:(a) Commissions received as a licensed insurance agent or broker in connection with insurance written as provided in Section 22313.(b) Amounts not in excess of the amounts specified in subdivision (c) of Section 3068 of the Civil Code paid to holders of possessory liens, imposed pursuant to Chapter 6.5 (commencing with Section 3067) of Title 14 of Part 4 of Division 3 of the Civil Code, to release motor vehicles that secure loans subject to this division.(c) Court costs, excluding attorney’s fees, incurred in a suit and recovered against a debtor who defaults on the debtor’s loan.(d) Amounts received by a licensee from a seller, from whom the borrower obtains money, goods, labor, or services on credit, in connection with a transaction under an open-end credit program that are paid or deducted from the loan proceeds paid to the seller at the direction of the borrower and that are an obligation of the seller to the licensee for the privilege of allowing the seller to participate in the licensee’s open-end credit program. Amounts received by a licensee from a seller pursuant to this subdivision may not exceed 6 percent of the loan proceeds paid to the seller at the direction of the borrower.(e) Actual and necessary fees not exceeding five hundred dollars ($500) paid in connection with the repossession of a motor vehicle to repossession agencies licensed pursuant to Chapter 11 (commencing with Section 7500) of Division 3 of the Business and Professions Code provided that the licensee complies with Sections 22328 and 22329, and actual fees paid to a licensee in conformity with Sections 26751 and 41612 of the Government Code in an amount not exceeding the amount specified in those sections of the Government Code.(f) Moneys paid to, and commissions and benefits received by, a licensee for the sale of goods, services, or insurance, whether or not the sale is in connection with a loan, that the buyer by a separately signed authorization acknowledges is optional, if sale of the goods, services, or insurance has been authorized pursuant to Section 22154.(Amended by Stats. 2019, Ch. 708, Sec. 2. (AB 539) Effective January 1, 2020.)
CA Fin Code § 22203 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 1 - Definitions|Section 22203.

22203.  “Consumer loan” means a loan, whether secured by either real or personal property, or both, or unsecured, the proceeds of which are intended by the borrower for use primarily for personal, family, or household purposes. For purposes of determining whether a loan is a consumer loan, the lender may rely on any written statement of intended purposes signed by the borrower. The statement may be a separate statement signed by the borrower, or may be contained in a loan application or other document signed by the borrower. The lender shall not be required to ascertain that the proceeds of the loan are used in accordance with the statement of intended purposes. Nothing in this section shall authorize the taking of real property as security, except as specified in Section 22330.(Amended by Stats. 1999, Ch. 347, Sec. 1. Effective January 1, 2000.)
CA Fin Code § 22204 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 1 - Definitions|Section 22204.

22204.  (a) In addition to the definition of consumer loan in Section 22203, a “consumer loan” also means a loan of a principal amount of less than five thousand dollars ($5,000), the proceeds of which are intended by the borrower for use primarily for other than personal, family, or household purposes.For purposes of determining whether a loan is or is not a consumer loan, the lender may rely on any written statement of intended purposes signed by the borrower. The statement may be a separate statement signed by the borrower or may be contained in a loan application or other document signed by the borrower. The lender shall not be required to ascertain that the proceeds of the loan are used in accordance with the statement of intended purposes.(b) A consumer loan under this section is a loan secured in the manner provided for in this division if it is secured, in whole or in part, by any lien on, security interest in, assignment of, or power of attorney relative to income arising from the operation of a business by the borrower, such as accounts, and chattel paper, including the right to payment for accounts or chattel paper sold by the borrower prior to or contemporaneously with the making of the loan.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22250 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 2 - Exemptions|Section 22250.

22250.  (a) The following sections do not apply to any loan of a bona fide principal amount of ten thousand dollars ($10,000) or more, or to a duly licensed finance lender in connection with any such loan or loans, if the provisions of this section are not used for the purpose of evading this division: Sections 22154, 22155, 22201, 22202, 22307, 22313, 22314, 22315, 22322, 22323, 22325, 22334, and 22752, and the sections enumerated in subdivision (b).(b) The following sections do not apply to any loan of a bona fide principal amount of five thousand dollars ($5,000) or more, or to a duly licensed finance lender in connection with any such loan or loans, if the provisions of this section are not used for the purpose of evading this division: Sections 22300, 22305, and 22306, subdivision (a) of Section 22307, and Sections 22309, 22320.5, 22326, 22327, 22400, and 22751.(Amended by Stats. 2019, Ch. 708, Sec. 3. (AB 539) Effective January 1, 2020.)
CA Fin Code § 22252 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 2 - Exemptions|Section 22252.

22252.  This chapter does not apply to a program administrator or a PACE solicitor.(Added by Stats. 2017, Ch. 475, Sec. 69. (AB 1284) Effective October 4, 2017.)
CA Fin Code § 22300 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22300.

22300.  No licensee shall directly or indirectly charge, contract for, or receive any interest or charge of any nature unless a loan is made.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22301 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22301.

22301.  (a) No licensee shall directly or indirectly charge, contract for, or receive any interest or charge of any nature with respect to a loan of five thousand dollars ($5,000) or more unless the loan is made.(b) Notwithstanding subdivision (a), whenever a loan of five thousand dollars ($5,000) or more is not consummated because of the borrower’s failure to disclose outstanding liens or other information essential to making the loan or solely because of the borrower’s failure to complete the loan in accordance with the loan application, a licensee may charge, contract for, and receive an amount equal to the actual expenses incurred by the licensee in connection with the preparation for the loan.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22302 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22302.

22302.  (a) Section 1670.5 of the Civil Code applies to the provisions of a loan contract that is subject to this division.(b) A loan found to be unconscionable pursuant to Section 1670.5 of the Civil Code shall be deemed to be in violation of this division and subject to the remedies specified in this division.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)
CA Fin Code § 22303 (2021)
2021 California Code|Financial Code - FIN|DIVISION 9 - CALIFORNIA FINANCING LAW|CHAPTER 2 - Consumer Loans|ARTICLE 3 - Loan Regulations|Section 22303.

22303.  Every licensee who lends any sum of money may contract for and receive charges at a rate not exceeding the sum of the following:(a) Two and one-half percent per month on that part of the unpaid principal balance of any loan up to, including, but not in excess of two hundred twenty-five dollars ($225).(b) Two percent per month on that portion of the unpaid principal balance in excess of two hundred twenty-five dollars ($225) up to, including, but not in excess of nine hundred dollars ($900).(c) One and one-half percent per month on that part of the unpaid principal balance in excess of nine hundred dollars ($900) up to, including, but not in excess of one thousand six hundred fifty dollars ($1,650).(d) One percent per month on any remainder of such unpaid balance in excess of one thousand six hundred fifty dollars ($1,650).This section does not apply to any loan of a bona fide principal amount of two thousand five hundred dollars ($2,500) or more as determined in accordance with Section 22251.(Added by Stats. 1994, Ch. 1115, Sec. 2. Effective January 1, 1995. Operative July 1, 1995, by Sec. 5 of Ch. 1115.)