California Code of Regulations › Title 10 - Investment › Chapter 3 - Commissioner of Financial Protection and Innovation › Subchapter 6 - California Financing Law › Article 14 - Pilot Program for Increased Access to Responsible Small Dollar Loans › Subarticle 4 - Reports › Section 1606.1 - Annual Report for the Pilot Program for Affordable Credit-Building Opportunities for the Calendar Year Ended December 31, 2013: Form

Current through Register 2024 Notice Reg. No. 28, July 12, 2024
(a) Effective January 1, 2014, the Pilot
					 Program for Affordable Credit-Building Opportunities is abolished [Senate Bill
					 318 (Chap. 467, Stats. 2013)]. Each licensee under the Pilot Program for
					 Affordable Credit-Building Opportunities shall file the annual report as set
					 forth in subsection (e) for the final year of the pilot program.
(b) The annual report for loans made under
					 the pilot program in the calendar year ended December 31, 2013, shall be filed
					 with the Commissioner on or before March 15, 2014.
(c) The annual report shall provide
					 information concerning the business and operations conducted by the licensee,
					 and information pertaining to each finder and the licensee's relationship and
					 business arrangements with each finder under the Pilot Program for Affordable
					 Credit-Building Opportunities, during the 2013 calendar year. The annual report
					 required in this section is in addition to the annual report of the total
					 business operations of the licensee required under Section
					 22159 of
					 the Financial Code, and the annual report for the Pilot Program for Increased
					 Access to Responsible Small Dollar Loans required under Sections
					 22367 and
					 22375, subdivision (c), of the
					 Financial Code.
(d) Loans made
					 under the Pilot Program for Increased Access to Responsible Small Dollar Loans
					 shall be reported in the annual report in Section
					 1606 of these rules. Any loan that
					 was made under the former Pilot Program for Affordable Credit-Building
					 Opportunities and subsequently refinanced under the Pilot Program for Increased
					 Access to Responsible Small Dollar Loans shall be reported in the annual report
					 in section
					 1606 of these rules.
(e) The individual annual report required
					 under Sections
					 22349.2 and
					 22357, subdivision (c), of the
					 Financial Code shall be submitted on the following form:
STATE OF CALIFORNIA--BUSINESS, TRANSPORTATION AND
								HOUSING AGENCY
EDMUND G. BROWN Jr., Governor
DEPARTMENT OF BUSINESS
								OVERSIGHT
Ensuring a Fair and Secure Financial
								Services Marketplace for all Californians
INSTRUCTIONS FOR COMPLETING THE 20XX ANNUAL REPORT
						FOR LICENSEES PARTICIPATING IN THE AFFORDABLE CREDIT-BUILDING OPPORTUNITIES
						PROGRAM
WHO MUST FILE THE REPORT
:
Every licensee under the California Finance Lenders Law approved by the
						Commissioner of Business Oversight to participate in the Affordable
						Credit-Building Opportunities (ACBO) pilot program shall file the annual
						report. The annual report shall include information on all business conducted
						under the ACBO pilot program.
NO BUSINESS OR INACTIVE
						LICENSES
:
An annual report shall be filed even if no business
						was conducted under the license in 20XX. If no business was conducted under the
						ACBO pilot program during the calendar year 20XX, complete question numbers 1
						through 10 and Verification section only. Include a statement at the bottom of
						the Verification section that
"No business was conducted under the ABCO
						pilot program during the calendar year 20XX."
"No business" means no
						loans were made under the ACBO pilot program in 20XX.
WHEN IS THE REPORT DUE/PENALTY FOR FAILURE
						TO FILE THE REPORT
:
The report is due on or before
March
						15, 20XX. No extension of the filing date shall be granted. Failure to file the
						report shall result in summary revocation of the California Finance Lenders Law
						license(s).
WHAT IS THE PURPOSE OF THE ANNUAL
						REPORT:
The information reported in the annual report shall be
						aggregated into a consolidated report and the annual consolidated report shall
						be posted on the Commissioner of Business Oversight's Internet Web site at
www.dbo.ca.gov
by July 1, 2015, as required
						under Financial Code Section
						22380,
						subdivision (a).
WHERE TO FILE THE
						REPORT:
DEPARTMENT OF BUSINESS OVERSIGHT
FINANCIAL SERVICES DIVISION
320 WEST FOURTH STREET, SUITE 750
LOS ANGELES, CA 90013
THE ANNUAL REPORT FORM
:
The
						information must be submitted on the annual report form prescribed by the
						Department of Business Oversight (Form CFL 1606.1).
ALL AMOUNTS MUST BE
						ROUNDED TO THE NEAREST WHOLE DOLLAR.
Do not add ".00" to represent
						rounding to the nearest dollar. In addition, do not round items to the nearest
						thousand or million dollars, or round intermediate calculations. The annual
						report is electronically scanned and therefore the information must be
TYPED
in the annual report form, and the
ORIGINAL
signed copy of the annual report shall be filed with the Department of Business
						Oversight.
COMPLETENESS &
						ACCURACY
:
The annual report shall be rejected by the Department
						of Business Oversight and returned to the licensee if the information provided
						is incomplete or incorrect. All questions and schedules must be completed. If
						any schedule is inapplicable, indicate "Not Applicable" at the top of the page.
						The following schedules provide space to report on the activities of seven
						finders. Attach a supplemental page(s) if more space is needed or if more than
						seven finders were used. All information provided in the annual report is
						subject to verification. Accordingly, due care should be exercised in the
						completion of the report.
PERIOD COVERED BY THE
						REPORT
:
The reporting period is either (1) January 1, 20XX to
						December 31, 20XX, or (2) the effective date of approval to participate in the
						ACBO pilot program in 20XX to December 31, 20XX.
If any loans were made under the ACBO pilot program
						during the year 20XX, Schedules A through I must be completed. The following
						schedules provide space to report activities associated with seven finders. If
						no loans were made in 20XX, state "None" on the applicable schedules.
SCHEDULE A (SCHEDULE OF APPLICATIONS TAKEN
						AND LOANS MADE BY SIZE)
:
All loan applications taken and loans
						made must be scheduled in Section A. Multiple loans made to the same borrower
						are to be reported as separate loans transactions. Do not include loans that
						were not made under the ACBO pilot program. Report percentages to the nearest
						whole percentage (e.g. report .457 as 46, not 45.7 or 46%)
SCHEDULE B (SCHEDULE OF LOANS BY INCOME
						DISTRIBUTION OF CENSUS TRACTS AND BORROWERS WITH BANK
						ACCOUNTS)
:
Schedule loans by the following income distribution
						of census tracts as defined under the federal Community Reinvestment Act
						(12 U.S.C.
						2901) and the Federal Financial Institutions
						Examination Council:
If the Median Family Income % is <50%, then the Income
						Level is
Low.
If the Median Family Income % is >= 50% and <80%,
						then the Income Level is
Moderate
.
If the Median Family Income % is >= 80% and <120%,
						then the Income Level is
Middle
.
If the Median Family Income % is >= 120%, then the
						Income Level is
Upper
.
If the Median Family Income % is 0%, then the Income
						Level is
Not Known
.
Information on income distribution of census tract may be
						found at
http://www.ffiec.gov/
and
http://www.ffiec.gov/census/default.aspx
SCHEDULE C & D (SCHEDULE OF LATE FEES
						CHARGED DURING THE YEAR BY SIZE & SCHEDULE OF LOANS MADE BY LOAN
						PURPOSE).
SCHEDULE E (SCHEDULE OF LOANS BY RATE
						CHARGES)
:
Report loans in Schedules E-1, E-2 & E-3 based on
						annualized percentage rate (APR) calculated in accordance with Federal Reserve
						Board Regulation Z. Do not report loans in these schedules using the agreed
						upon contract rate.
SCHEDULE F (SCHEDULE OF LOAN
						PERFORMANCE)
:
Report loans based on the number of payments past
						due. Do not report loans based on recency of payment.
SCHEDULE G (SCHEDULE OF LOANS MADE BY
						LANGUAGE AND CREDIT EDUCATION PROGRAM OR SEMINAR OFFERED)
:
In
						column A, report the number of borrowers who were offered a credit education
						program or seminar in the same language in which the loan was negotiated. If
						known, report in column B the number of borrowers who attended the offered
						credit education program or seminar.
SCHEDULE H (SCHEDULE OF FINDERS BY
						LOCATION)
:
Report all finders utilized during the calendar year
						20XX.
SCHEDULE I (RECOMMENDATIONS FOR IMPROVING
						THE PILOT PROGRAM):
Provide any comments or information to help
						improve the program.
COMPANIES WITH MULTIPLE
						LOCATIONS
:
Companies with multiple locations shall prepare one
						annual report consolidating the information of all locations into the
						report.
ANNUAL REPORT FORM AVAILABLE ON THE
						INTERNET
:
The annual report form is available in Adobe Acrobat
						format at the Department of Business Oversight's Internet website. The form may
						be accessed by clicking on
Applications and Forms
on the
						Department of Business Oversight's homepage at "
www.dbo.ca.gov
", and then clicking on
California Finance Lenders
.
The form may be downloaded from the Department of
						Business Oversight's website; however, THE REPORT CANNOT BE FILED
						ELECTRONICALLY. If the report is downloaded, it must be printed and submitted
						to the Department in paper form. Please be sure to include your license number
						on the annual report to prevent any delays in processing your annual
						report.
VERIFICATION
:
The
						Verification section must be completed in accordance with the instructions by
						the licensed individual, a general partner if the licensee is a partnership, or
						a corporate officer if the licensee is a corporation. The Verification must
						include an original signature on the
original
copy of the annual
						report filed with the Department of Business Oversight.
Incomplete
						Verification or a missing signature in the Verification shall result in
						rejection and return of the annual report to the licensee.
FEE
:
No fee is required to
						file the Annual Report.
PUBLIC INSPECTION
:
The
						Department of Business Oversight shall prepare an annual consolidated report
						that aggregates the information received from each annual report submitted by
						licensees for the designated year. The annual consolidated report shall be
						available to the public.
FOR ASSISTANCE AND INFORMATION REGARDING
						THE ANNUAL REPORT
:
Contact the Department of Business Oversight
						at
1-866-275-2677
.
CFL 1606.1
STATE OF CALIFORNIA--BUSINESS, TRANSPORTATION AND
								HOUSING AGENCY
EDMUND G. BROWN Jr., Governor
DEPARTMENT OF BUSINESS
								OVERSIGHT
Ensuring a Fair and Secure Financial
								Services Marketplace for all Californians
To: COMMISSIONER OF BUSINESS OVERSIGHT, STATE OF
						CALIFORNIA
ANNUAL REPORT FOR CALIFORNIA FINANCE LENDERS LAW
						LICENSEES ENGAGED IN BUSINESS UNDER THE AFFORDABLE CREDIT-BUILDING
						OPPORTUNITIES (ACBO) PILOT PROGRAM FOR THE YEAR ENDED DECEMBER 31,
						20XX
THIS REPORT IS REQUIRED UNDER SECTIONS
						22349.2 AND
						22357 OF THE FINANCIAL
						CODE.
(PLEASE READ THE ATTACHED INSTRUCTIONS CAREFULLY BEFORE
						COMPLETING THE ANNUAL REPORT.)
1. Name
					 of licensee (as shown on the license): ______________________________
2. License number:
					 ______________________________
3.
					 Business phone number: ( )______________________________
4. Fax number: (
					 )______________________________
5.
					 Website address: ______________________________
6. Total number of licensed locations at
					 which business was conducted under the ACBO pilot program as of December 31,
					 20XX: _______________
7. Total
					 number of finders used during the calendar year: ____________________
8. Total number of finder locations used
					 during the calendar year: _______________
9. Business was conducted under the ACBO
					 pilot program during the calendar year 20XX: [] YES [] NO
10. Disclose by finder, the licensee's
					 relationship, including ownership or other financial relationship, and business
					 arrangement with each finder.
___________________________
___________________________
___________________________
___________________________
SCHEDULE A
SCHEDULE OF APPLICATIONS TAKEN AND LOANS MADE BY
						SIZE FOR THE CALENDAR YEAR 20XX
A-1(a) Total Number of Application Taken and Loans
						Made Using A Finder
Finder
Number of
								Applications Taken
Number of Loans Made
Total
								Principal Amount of Loans Made
1.
$
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
Totals
$
___________________________
___________________________
___________________________
A-1(b) Number of Applications Taken and Loans Made
						Without Using A Finder
Number of Applications
								Taken
Number of Loans Made
Total Principal
								Amount of Loans Made
Totals
$
___________________________
___________________________
___________________________
A-2(a) Number of Loans Made By Loan Size Using A
						Finder
Finder
Principal Balance $ 250 -
								499
Principal Balance $ 500 - 1,499
Principal Balance $1,500 -
								2,499
Total Loans Made
1.
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
A-2(b) Number Of Loans Made By Loan Size Without
						Using A Finder
Principal Balance $ 250 -
								499
Principal Balance $ 500 - 1,499
Principal Balance $1,500 -
								2,499
Total Loans Made
Totals
___________________________
___________________________
___________________________
___________________________
A-3(a) Number of Borrowers Who Obtained More Than
						One Loan Using A Finder
Finder
Number of Borrowes Who
								Obtained More Than One Loan
Number of Borrowers With Credit Scores that
								Increased Over the Previous Loan
Percentage of Borrowers With Increased
								Credit Scores (e.g., .458=46)
Average Size of Increase In
								Credit Scores (Include Only Borrowers With Increased Scores)
Average Size of Increase/Decrease In Credit Scores
								For All Borrowers
1.
%
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
%
___________________________
___________________________
___________________________
___________________________
___________________________
A-3(b) Number of Borrowers Who Obtained More Than
						One Loan Without Using A Finder
Number of Borrowers Who Obtained More Than
								One Loan
Number of Borrowers With Credit Scores that Increased Over the
								Previous Loan
Percentage of Borrowers With Increased Credit Scores
								(e.g., .458=46)
Average Size of Increase In Credit Scores
								(Include Only Borrowers With Increased Scores)
Average Size of
								Increase/Decrease In Credit Scores For All Borrowers
Totals
%
___________________________
___________________________
___________________________
___________________________
___________________________
SCHEDULE B
SCHEDULE OF LOANS BY INCOME DISTRIBUTION OF CENSUS
						TRACTS AND BORROWERS WITH BANK ACCOUNTS FOR CALENDAR YEAR 20XX
B-1(a) Number of Loans By Income Distribution of
						Census Tract Using A Finder
Finder
Low
Moderate
Middle
Upper
Not
								Known
Total Loans Made
1.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
B-1(b) Number of Loans By Income Distribution of
						Census Tract Without Using A Finder
Low
Moderate
Middle
Upper
Not
								Known
Total Loans Made
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
B-2(a) Number Of Loans Made To Borrowers With Bank
						Account(s) Using A Finder
Finder
Number With Bank
								Account(s)
Number Without Bank Account(s)
Number of Borrowers
								Who Obtained More Than One Loan
Number of Borrowers With a Bank Account
								and Also Use Check-Cashing Services
Number of Borrowers With a Bank
								Account and Also Use Payday Loan Services
1.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
B-2(b) Number Of Loans Made To Borrowers With Bank
						Account(s) Without Using A Finder
Number With Bank
								Account(s)
Number Without Bank Account(s)
Number of Borrowers
								Who Obtained More Than One Loan
Number of Borrowers With a Bank Account
								and Also Use Check-Cashing Services
Number of Borrowers With a Bank
								Account and Also Use Payday Loan Services
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
SCHEDULE C
SCHEDULE OF LATE FEES CHARGED DURING THE YEAR BY
						SIZE FOR CALENDAR YEAR 20XX
C-1(a) Number Of Loans Made Using A Finder In Which
						Late Fee(s) Were Charged
Finder
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal Balance $1,500 -
								2,499
Total Loans Made
1.
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
C-1(b) Number Of Loans Made Without Using A Finder
						In Which Late Fee(s) Were Charged
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal Balance $1,500 -
								2,499
Total Loans Made
Totals
___________________________
___________________________
___________________________
___________________________
C-2(a) Number Of Late Fees Charged On Loans Made
						Using A Finder
Finder
Principal Balance
								$ 250 - 499
Principal Balance $500 - 1,499
Principal Balance
								$1,500 - 2,499
Total Loans Made
1.
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
C-2(b) Number Of Late Fees Charged On Loans Made
						Without Using A Finder
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal Balance $1,500 -
								2,499
Total Loans Made
Totals
___________________________
___________________________
___________________________
___________________________
C-3(a) Dollar Amount of Late Fees Collected On
						Loans Made Using A Finder
Finder
Principal
								Balance $ 250 - 499
Principal Balance $500 - 1,499
Principal
								Balance $1,500 - 2,499
Total Late Fees in Dollars
1.
$
$
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
$
$
___________________________
___________________________
___________________________
___________________________
C-3(b) Dollar Amount of Late Fees Collected On
						Loans Made Without Using A Finder
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal Balance $1,500 -
								2,499
Total Late Fees in Dollars
Totals
$
$
C-4(a) Average Number of Late Fees Charged Per Loan
						Made Using A Finder
Finder
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal Balance $1,500 -
								2,499
Overall Average
1.
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
C-4(b) Average Number of Late Fees Charged Per Loan
						Made Without Using A Finder
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal Balance $1,500 -
								2,499
Overall Average
Totals
___________________________
___________________________
___________________________
___________________________
C-5(a) Percentage Of Loans Made With Late Fees
						Using A Finder
Finder
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal
								Balance $1,500 - 2,499
Overall Average
1.
%
%
%
%
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
C-5(b) Percentage Of Loans Made With Late Fees
						Without Using A Finder
Principal Balance $ 250 -
								499
Principal Balance $500 - 1,499
Principal
								Balance $1,500 - 2,499
Overall Average
Totals
%
%
%
%
___________________________
___________________________
___________________________
___________________________
SCHEDULE D
SCHEDULE OF LOANS MADE BY LOAN PURPOSE FOR CALENDAR
						YEAR 200XX
D-1(a) Number Of Loans Made By Loan Purpose Using A
						Finder
Finder
Medical
Other
								Emergency
Vehicle Repair
Vehicle Purchase
To Pay
								Bills
To Consolidate Debt
To Build or Repair
								Credit
Services Other Than a Vehicle
Other
1.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
TOTALS
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
D-1(b) Number Of Loans Made By Loan Purpose Without
						Using A Finder
Medical
Other
								Emergency
Vehicle Repair
Vehicle Purchase
To Pay
								Bills
To Consolidate Debt
To Build or Repair
								Credit
Services Other Than a Vehicle
Other
TOTALS
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
SCHEDULE E
SCHEDULE OF LOANS BY RATE CHARGES FOR CALENDAR YEAR
						20XX
E-1(a) Number of Loans Made Between $250 - $499
						Using a Finder
Number of Loans Made Per Annual
								  Percentage Rate (APR)
Finder
Up to 14.99%
15.00% -
								19.99%
20.00% - 24.99%
25.00% - 29.99%
30.00% -
								34.99%
35.00% - 39.99%
40.00% - 49.99%
50.00% or
								more
Total Loans Made
1.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
8.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
9.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
10.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
11.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
12.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
13.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
14.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
15.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
E-1(b) Number of Loans Made Between $250 - $499
						Without Using a Finder
Number of Loans Made Per Annual
								  Percentage Rate (APR)
Up to
								14.99%
15.00%-19.99%
20.00%-24.99%
25.00%-29.99%
30.00%-34.99%
35.00%-39.99%
40.00%-49.99%
50.00%
								or more
Total Loans Made
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
E-2(a) Number of Loans Made Between $500 - $1,499
						Using a Finder
Number of Loans Made Per
								Annual Percentage Rate (APR)
Finder
Up to 14.99%
15.00% -
								19.99%
20.00% - 24.99%
25.00% - 29.99%
30.00% -
								34.99%
35.00% - 39.99%
40.00% - 49.99%
50.00% or
								more
Total Loans Made
1.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
8.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
9.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
10.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
11.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
12.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
13.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
14.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
15.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
E-2(b) Number of Loans Made Between $500 - $1,499
						Without Using a Finder
Number of Loans Made Per
								Annual Percentage Rate (APR)
Up to
								14.99%
15.00%-19.99%
20.00%-24.99%
25.00%-29.99%
30.00%-34.99%
35.00%-39.99%
40.00%-49.99%
50.00%
								or more
Total Loans Made
____________
____________
____________
____________
____________
____________
____________
____________
____________
E-3(a) Number of Loans Made Between $1,500 - $2,499
						Using a Finder
Number of Loans Made Per
								Annual Percentage Rate (APR)
Finder
Up to 14.99%
15.00% -
								19.99%
20.00% - 24.99%
25.00% - 29.99%
30.00% -
								34.99%
35.00% - 39.99%
40.00% - 49.99%
50.00% or
								more
Total Loans Made
1.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
2.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
3.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
4.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
5.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
6.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
7.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
8.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
9.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
10.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
11.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
12.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
13.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
14.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
15.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
E-3(b) Number of Loans Made Between $1,500 - $2,499
						Without Using a Finder
Number of Loans Made Per
								Annual Percentage Rate (APR)
Up to
								14.99%
15.00%-19.99%
20.00%-24.99%
25.00%-29.99%
30.00%-34.99%
35.00%-39.99%
40.00%-49.99%
50.00%
								or more
Total Loans Made
Totals
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
SCHEDULE F
SCHEDULE OF LOAN PERFORMANCE AS OF YEAR END
						20XX
F-1(a) Number of Loans (using a Finder) With Past
						Due Payments and Percentage of Loans with Past Due Payments
Finder
NUMBER OF LOANS
								OUTSTANDING
NUMBER OF LOANS PAST DUE
PERCENTAGE OF LOANS PAST DUE
Current Loan
1
								Payment Past Due
2 Payments Past Due
3 or more Payments Past
								Due
Current Loan
1 Payment Past Due
2 Payments Past
								Due
3 or more Payments Past Due
1.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
2.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
3.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
4.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
5.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
6.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
7.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
8.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
9.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
10.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
11.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
12.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
13.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
14.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
15.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
Totals
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
F-1(b) Number of Loans (not using a Finder) with
						Past Due Payments and Percentage of Loans with Past Due Payments
NUMBER OF LOANS OUTSTANDING
NUMBER OF LOANS PAST DUE
PERCENTAGE OF LOANS PAST DUE
Current Loan
1 Payment
								Past Due
2 Payments Past Due
3 or more Payments Past
								Due
Current Loan
1 Payment Past Due
2 Payments Past
								Due
3 or more Payments Past Due
Totals
____________
____________
____________
____________
____________
____________
____________
____________
____________
SCHEDULE G
SCHEDULE OF LOANS MADE BY LANGUAGE AND CREDIT
						EDUCATION PROGRAM OR SEMINAR OFFERED FOR THE CALANDER YEAR 20XX
G-1(a) Number of Loans Made Using a Finder (For
						columns A and B see instructions.)
LANGUAGE IN WHICH THE LOAN WAS
						NEGOTIATED ORALLY OR IN WRITING
Finder
Enging
A
B
Spanish
A
B
Chinese
A
B
Tagalog
A
B
Vietnamese
A
B
Korean
A
B
1.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
2.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
3.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
4.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
5.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
6.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
7.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
8.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
9.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
10.
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
Totals
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
G-1(b) Number of Loans Made Without Using a Finder
						(For columns A and B see instructions.)
Enging
A
B
Spanish
A
B
Chinese
A
B
Tagalog
A
B
Vietnamese
A
B
Korean
A
B
Totals
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
SCHEDULE H
SCHEDULE OF FINDERS FOR CALENDAR YEAR
						20XX
FINDER
CONTACT
								PERSON
VOLUME OF BUSINESS IN LOAN
								$
TYPE OF BUSINESS OPERATED BY FINDER (ex., grocery store,
								check casher)
AMOUNT OF FEES PAID TO
								FINDER
PROVIDE TYPE OF LICENSE & LICENSE NUMBER HELD
								BY FINDER (ex., check casher, pawn broker, etc.)
OWNERSHIP
								OR OTHER FINANCIAL RELATIONSHIP WITH LICENSEE (YES OR
								NO)
NUMBER OF BUSINESS LOCATIONS AT WHICH ACBO ACTIVITIES
								WERE CONDUCTED
BUSINESS ADDRESS (Street, City, State,
								&Zip Code)
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
____________
SCHEDULE I
RECOMMENDATIONS FOR IMPROVING THE PILOT
						PROGRAM
Please provide any comments or information to help
						improve the program.
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
___________________________
VERIFICATION
State of____________________)
County of____________________)
I, the undersigned, state: That I am an officer, a
						general partner or the sole proprietor, or have a position of similar
						proprietary interest of (
Insert name as shown on the
						license
)
and I have read and signed the report and know the
						contents of the information filed herewith. I certify that the statistical
						information provided in this annual report is to the best of my knowledge true
						and exact.___________________________
Complete Section (A) OR Section (B) as
						appropriate.
___________________________
(A)
IF LOCATED IN CALIFORNIA OR IN A
					 STATE WHICH PERMITS A DECLARATION UNDER PENALTY OF PERJURY, COMPLETE THIS
					 SECTION. NOTARIZATION IS NOT NECESSARY.
Date __________(Month/Day),
						__________(Year)at__________(City), __________(State)
I certify (or declare) under the penalty of perjury that
						the foregoing is true and correct.
___________________________
___________________________Phone Number: ( )
(Signature of
								Declarant)
___________________________
___________________________Fax Number: ( )
(Name and Title, type or
								print)
___________________________E-mail Address:
___________________________
(B)
IF LOCATED OUTSIDE OF
					 CALIFORNIA IN A STATE WHICH DOES NOT PREMIT A DECLARATION UNDER PENALTY OF
					 PERJURY, COMPLETE THIS SECTION. NOTARIZATION IS REQUIRED.
Date __________(Month/Day), __________(Year)
						__________Signature of Affiant
___________________________at
___________________________
(City)
Name and Title
(Please type
								or print)
___________________________
(State)
Subscribed and sworn to
								before me on
___________________________at
___________________________
(City)
Name and Title
(Please type or print)
___________________________
(State)
Subscribed and sworn to before me on
__________Month/Date), __________(Year)
(Seal)
___________________________
Notary Public in and for said
								County and State
Phone Number: ( ) ____________________Fax Number: ( )
						____________________
E-mail Address: ____________________
CFL 1606.1