reglab/housing_qa huggingface dataset:
CA Fin Code § 12319 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12319.

12319.  Every contract between a prorater and a debtor shall:(a) List every debt to be prorated with the creditor’s name and disclose the total of all such debts;(b) Provide payments reasonably within the ability of the debtor to pay in precise terms;(c) Disclose in precise terms the rate and amount of the prorater’s charge;(d) Disclose the approximate number and amount of installments required to pay the debts in full;(e) Disclose the name and address of the prorater and of the debtor;(f) Contain such other provision or disclosures as the commissioner shall determine is necessary for the protection of the debtor and the proper conduct of business by a prorater.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12320 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12320.

12320.  A prorater shall deliver a copy of any contract or agreement between the prorater and a debtor to the debtor immediately after the debtor executes it, and the debtor’s copy shall be executed by the prorater. A contract shall not be effective until a debtor has made a payment to the prorater for distribution to his creditors.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12321 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12321.

12321.  Unless paid by check or money order a prorater shall deliver a receipt to a debtor for each payment within five (5) days after receipt of a payment.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12322 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12322.

12322.  At least once in each six (6) months, the prorater shall render an accounting to the debtor which shall itemize the total amount received from the debtor, the total amount paid to each creditor, the total amount which any creditor has agreed to accept as payment in full on any debt owed him by the debtor, the amount of charges deducted, and any amount held in reserve. A prorater shall in addition render such an account to a debtor within seven days after written demand.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12323 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12323.

12323.  A prorater shall not lend money or credit.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12324 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12324.

12324.  A prorater shall not:(a) Offer, pay, or give any cash, fee, gift, bonus, premium, reward, or other compensation to any person for referring any prospective customer to the prorater;(b) Receive any cash, fee, gift, bonus, premium, reward, or other compensation from any person other than the debtor in connection with his activities as a prorater.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12325 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12325.

12325.  A prorater shall not solicit or require a debtor to purchase or agree to purchase any policy of insurance.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12326 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12326.

12326.  A special prorater shall not advertise in any manner or otherwise hold himself out to the public as a general prorater or as qualified to do business as a general prorater unless he holds a valid unrevoked general proraters license.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12327 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12327.

12327.  Nothing in this division shall be deemed to authorize the performance, directly or indirectly, of an act or acts constituting the practice of law by a prorater, business agent, check seller, or by any person, firm, corporation or organization described, or engaging in a transaction specified in subdivision (a), (b), (d), (e), (f), (g), or (h) of Section 12100.Without limiting the generality of the foregoing and other applicable laws, the following act or acts, when done by the owner, manager or employee of a prorater, in connection with a prorating transaction, shall be deemed to constitute the unlawful practice of law:(a) Preparation, advising or signing of a release of attachment or garnishment, stipulation, affidavit for exemption, compromise agreement or other legal or court document;(b) The furnishing of legal advice or performance of legal services of any kind.No prorater (including an owner, manager or employee of a prorater) shall (1) represent that he or she is authorized or competent to furnish legal advice or perform legal services; (2) assume authority on behalf of creditors or a debtor or accept a power of attorney authorizing it to employ or terminate the services of an attorney or to arrange the terms of or compensate for such services; (3) communicate with the debtor or creditor or any other person in the name of an attorney or upon the stationery of an attorney or prepare any form or instrument which only attorneys are authorized to prepare.(Amended by Stats. 1983, Ch. 660, Sec. 12.)
CA Fin Code § 12328 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12328.

12328.  (a) No collection agency may be maintained in the same premises as a prorating organization unless such prorating organization is exempt under the provisions of this division.(b) No prorater’s license shall be issued to a collection agency.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12329 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12329.

12329.  It shall be unlawful for any prorater to disclose the list of creditors of a debtor to any individual or firm for the purpose of soliciting the accounts and such disclosure shall be ground for revocation of license.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12330 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12330.

12330.  The commissioner shall have power and authority to promulgate rules and regulations governing the form and wording of advertising to be used by proraters. The issuance, distribution or placement of any advertising by a prorater which is in conflict with such rules and regulations shall be ground for the revocation of its license.(Added by Stats. 1957, Ch. 498.)
CA Fin Code § 12331 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12331.

12331.  Within the organization of each prorater corporation, either as an owner, officer, or employee, there shall be one or more persons possessing a minimum of five years experience in consumer credit extension or credit collection activity. At least one such qualified person shall be stationed on duty at each business location during the time the location is open for business.(Repealed and added by Stats. 1972, Ch. 1285.)
CA Fin Code § 12332 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 4 - Licensee Regulations|Section 12332.

12332.  (a) It is unlawful for any person to knowingly alter, destroy, mutilate, conceal, cover up, falsify, or make a false entry in any record, document, or tangible object with the intent to impede, obstruct, or influence the administration or enforcement of any provision of this division.(b) It is unlawful for any person to knowingly make an untrue statement to the commissioner during the course of licensing, investigation, or examination, with the intent to impede, obstruct, or influence the administration or enforcement of any provision of this division.(Added by Stats. 2007, Ch. 101, Sec. 15. Effective January 1, 2008.)
CA Fin Code § 12400 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 5 - Revocation of Licenses|Section 12400.

12400.  The commissioner may, upon reasonable opportunity to be heard, suspend or revoke any license issued pursuant to this division, if he finds that:(a) The licensee has failed to report within 10 days the establishment of a mobile unit, branch office, or agency location, or has failed upon demand of the commissioner pursuant to Section 12301.4 of this code to terminate and cancel any agency.(b) The licensee has violated any provision of this division or any rule or regulation made by the commissioner under and with the authority of this division. (c) Any fact or condition exists which, if it had existed at the time of the original application for such license, reasonably would have warranted the commissioner in refusing originally to issue such license.(Amended by Stats. 1968, Ch. 869.)
CA Fin Code § 12401 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 5 - Revocation of Licenses|Section 12401.

12401.  The commissioner may upon three days’ notice and a hearing, suspend any license for a period not exceeding 30 days, pending investigation.(Enacted by Stats. 1951, Ch. 364.)
CA Fin Code § 12401.1 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 5 - Revocation of Licenses|Section 12401.1.

12401.1.  The commissioner may by order summarily suspend or revoke the license of a licensee who fails to pay the license fee prescribed by Section 12214 within 10 days after notice by the commissioner that such fee is due and payable. If, after such an order is made, a request for hearing is filed in writing and hearing is not held within 60 days thereafter, the order is rescinded as of its effective date.(Amended by Stats. 1972, Ch. 644.)
CA Fin Code § 12402 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 5 - Revocation of Licenses|Section 12402.

12402.  Except where a shorter time for setting the hearing is prescribed in this division, all hearings under this division shall be conducted in accordance with Chapter 5 of Part 1 of Division 3 of Title 2 of the Government Code and in all cases the commissioner shall have all the powers granted therein.(Enacted by Stats. 1951, Ch. 364.)
CA Fin Code § 12403 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 5 - Revocation of Licenses|Section 12403.

12403.  Every order, decision, license, or other official act of the commissioner is subject to review in accordance with law.(Enacted by Stats. 1951, Ch. 364.)
CA Fin Code § 12404 (2021)
2021 California Code|Financial Code - FIN|DIVISION 3 - CHECK SELLERS, BILL PAYERS, AND PRORATERS|CHAPTER 5 - Revocation of Licenses|Section 12404.

12404.  (a) The commissioner may, after appropriate notice and opportunity for hearing, by order, censure or suspend for a period not exceeding 12 months, or bar from any position of employment, management, or control any licensee, any nonprofit community service organization subject to Section 12104, 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 licensee, nonprofit community service organization, or to the public.(2) That the person has been convicted of or pleaded nolo contendere to any crime, or has been held liable in any civil action by final judgment, or any administrative judgment by any public agency, if that crime or civil or administrative judgment involved any offense involving dishonesty, fraud, or deceit, or any other offense reasonably related to the qualifications, functions, or duties of a person engaged in the business in accordance with the provisions of this division.(b) Within 15 days from the date of a notice of intention to issue an order pursuant to subdivision (a), the person may request a hearing under the Administrative Procedure Act (Chapter 4.5 (commencing with Section 11400) of Division 3 of Title 2 of the Government Code). Upon receipt of a request, the matter shall be set for hearing to commence within 30 days after such receipt unless the person subject to this division consents to a later date. If no hearing is requested within 15 days after the mailing or service of such notice and none is ordered by the commissioner, the failure to request a hearing shall constitute a waiver of the right to a hearing.(c) Upon receipt of a notice of intention to issue an order pursuant to this section, the person who is the subject of the proposed order is immediately prohibited from engaging in any activities subject to licensure or exempt from licensure under Section 12104 of the law.(d) Persons suspended or barred under this section are prohibited from participating in any business activity of a licensee or a person exempt from licensure under Section 12104 and from engaging in any business activity on the premises where a licensee or a person exempt from licensure under Section 12104 is conducting business.(Added by Stats. 2007, Ch. 101, Sec. 16. Effective January 1, 2008.)
CA Fin Code § 13000 (2021)
2021 California Code|Financial Code - FIN|DIVISION 4 - AUTOMATED TELLER MACHINES: USER SAFETY|CHAPTER 1 - Intent|Section 13000.

13000.  It is the intent of the Legislature in enacting this division to enhance the safety of consumers using automated teller machines in California without discouraging the siting of automated teller machines in locations convenient to consumers’ homes and workplaces. Since decisions concerning safety at automated teller machine sites are inherently subjective and because safety is a relative matter, the Legislature intends to establish as the standard of care applicable to operators of automated teller machines, in connection with user safety, the substantial compliance with the objective standards of Chapter 4 (commencing with Section 13040), the information requirements of Chapter 5 (commencing with Section 13050), and the good faith consideration of other safety issues as prescribed in Chapter 3 (commencing with Section 13030). The Legislature further recognizes the need for uniformity as to the establishment of automated teller machine safety standards and intends with this division to supersede and preempt any rule, regulation, code, statute, or ordinance of any city, county, city and county, municipality, or local agency regarding customer safety at automated teller machines in California.(Added by Stats. 1990, Ch. 825, Sec. 1.)
CA Fin Code § 13020 (2021)
2021 California Code|Financial Code - FIN|DIVISION 4 - AUTOMATED TELLER MACHINES: USER SAFETY|CHAPTER 2 - Definitions|Section 13020.

13020.  As used in this division:(a) “Access area” means any paved walkway or sidewalk which is within 50 feet of an automated teller machine. The term does not include publicly maintained sidewalks or roads, as defined in Section 555 or Section 527 of the Vehicle Code.(b) “Access device” shall have the same meaning as set forth in Federal Reserve Board Regulation E (12 C.F.R. Part 205), promulgated pursuant to the Electronic Fund Transfer Act (15 U.S.C. 1601 et seq.).(c) “Automated teller machine” means any electronic information processing device located in California which accepts or dispenses cash in connection with a credit, deposit, or convenience account. The term does not include devices used solely to facilitate check guarantees or check authorizations, or which are used in connection with the acceptance or dispensing of cash on a person-to-person basis, such as by a store cashier.(d) “Candlefoot power” means the light intensity of candles on a horizontal plane at 36 inches above ground level and five feet in front of the area to be measured.(e) “Control” of an access area or defined parking area means to have the present authority to determine how, when, and by whom it is to be used, and how it is to be maintained, lighted, and landscaped.(f) “Customer” means a natural person to whom an access device has been issued for personal, family, or household use.(g) “Defined parking area” means that portion of any parking area open for customer parking which is (1) contiguous to an access area with respect to an automated teller machine; (2) regularly, principally, and lawfully used for parking by users of the automated teller machine while conducting automated teller machine transactions during hours of darkness; and (3) owned or leased by the operator of the automated teller machine or owned or controlled by the party leasing the automated teller machine site to the operator. The term does not include any parking area which is not open or regularly used for parking by users of the automated teller machine who are conducting automated teller machine transactions during hours of darkness. A parking area is not open if it is physically closed to access or if conspicuous signs indicate that it is closed. If a multiple level parking area satisfies the conditions of this subdivision and would therefore otherwise be a defined parking area, only the single parking level deemed by the operator of the automated teller machine to be the most directly accessible to the users of the automated teller machine shall be a defined parking area.(h) “Hours of darkness” means the period that commences 30 minutes after sunset and ends 30 minutes before sunrise.(i) “Operator” means any bank, savings association, credit union, industrial loan company, savings bank, or other business entity, or any person who operates an automated teller machine.(Added by Stats. 1990, Ch. 825, Sec. 1.)
CA Fin Code § 13030 (2021)
2021 California Code|Financial Code - FIN|DIVISION 4 - AUTOMATED TELLER MACHINES: USER SAFETY|CHAPTER 3 - Location and Installation|Section 13030.

13030.  On or before July 1, 1991, with respect to all existing installed automated teller machines in this state, and any automated teller machines installed after July 1, 1991, the operator shall adopt procedures for evaluating the safety of the automated teller machine. These procedures shall include a consideration of the following:(a) The extent to which the lighting for the automated teller machine complies or will comply with the standards required by Chapter 4 (commencing with Section 13040).(b) The presence of landscaping, vegetation, or other obstructions in the area of the automated teller machine, the access area, and the defined parking area. (c) The incidence of crimes of violence in the immediate neighborhood of the automated teller machine, as reflected in the records of the local law enforcement agency and of which the operator has actual knowledge.(Added by Stats. 1990, Ch. 825, Sec. 1.)
CA Fin Code § 13031 (2021)
2021 California Code|Financial Code - FIN|DIVISION 4 - AUTOMATED TELLER MACHINES: USER SAFETY|CHAPTER 3 - Location and Installation|Section 13031.

13031.  It is not the intent of the Legislature in enacting this chapter to impose a duty to relocate or modify automated teller machines upon the occurrence of any particular events or circumstances, but rather to establish a standard of good faith for the evaluation of all automated teller machines as provided herein.(Added by Stats. 1990, Ch. 825, Sec. 1.)
CA Fin Code § 13040 (2021)
2021 California Code|Financial Code - FIN|DIVISION 4 - AUTOMATED TELLER MACHINES: USER SAFETY|CHAPTER 4 - Lighting|Section 13040.

13040.  (a) Each operator of an automated teller machine installed on or after July 1, 1991, shall comply with Section 13041 commencing on the date the automated teller machine is installed. Compliance with Section 13041 by operators as to automated teller machines existing as of July 1, 1991, shall be optional until July 1, 1993, and mandatory thereafter. This subdivision shall apply to an operator of an automated teller machine only to the extent that the operator controls the access area or defined parking area to be lighted.(b) If an access area or a defined parking area is not controlled by the operator of the automated teller machine, and if the person who leased the automated teller machine site to the operator controls the access area or defined parking area, the person who controls the access area or defined parking area shall comply with Section 13041 as to any automated teller machine installed on or after July 1, 1991, commencing on the date the automated teller machine is installed; and as to any automated teller machine existing as of July 1, 1991, no later than on July 1, 1993.(Added by Stats. 1990, Ch. 825, Sec. 1.)
CA Fin Code § 13041 (2021)
2021 California Code|Financial Code - FIN|DIVISION 4 - AUTOMATED TELLER MACHINES: USER SAFETY|CHAPTER 4 - Lighting|Section 13041.

13041.  The operator, owner, or other person responsible therefor, shall provide lighting during hours of darkness with respect to an open and operating automated teller machine and any defined parking area, access area, and the exterior of an enclosed automated teller machine installation according to the following standards:(a) There shall be a minimum of 10 candlefoot power at the face of the automated teller machine and extending in an unobstructed direction outward five feet. (b) There shall be a minimum of two candlefoot power within 50 feet from all unobstructed directions from the face of the automated teller machine. In the event the automated teller machine is located within 10 feet of the corner of the building and the automated teller machine is generally accessible from the adjacent side, there shall be minimum of two candlefoot power along the first 40 unobstructed feet of the adjacent side of the building.(c) There shall be a minimum of two candlefoot power in that portion of the defined parking area within 60 feet of the automated teller machine.(Added by Stats. 1990, Ch. 825, Sec. 1.)
CA Fin Code § 13050 (2021)
2021 California Code|Financial Code - FIN|DIVISION 4 - AUTOMATED TELLER MACHINES: USER SAFETY|CHAPTER 5 - Consumer Education|Section 13050.

13050.  Customers receiving access devices shall be furnished by the respective issuers thereof with notices of basic safety precautions which customers should employ while using an automated teller machine. This information shall be furnished by personally delivering or by mailing the information to each customer whose mailing address as to the account to which the access device relates is in this state. This information shall be furnished with respect to access devices issued on or after July 1, 1991, at or before the time the customer is furnished with his or her access device. With respect to a customer to whom an “accepted access device” (as defined in Federal Reserve Board Regulation E) has been issued prior to July 1, 1991, the information shall be delivered or mailed to the customer on or before December 31, 1991. Only one notice need be furnished per household, and if access devices are furnished to more than one customer for a single account or set of accounts or on the basis of a single application or other request for the access devices, only a single notice need be furnished in satisfaction of the notification responsibilities as to all those customers. The information may be included with other disclosures related to the access device furnished to the customer, such as with any initial or periodic disclosure statement furnished pursuant to the Electronic Fund Transfer Act.(Added by Stats. 1990, Ch. 825, Sec. 1.)