Financial Code

Law Codes -> FIN

• GENERAL PROVISIONS
• DIVISION 1. FINANCIAL INSTITUTIONS [99. - 819.]
• • CHAPTER 1. Definitions [99. - 217.]
  • CHAPTER 2. Transition Provisions [250. - 254.]
  • CHAPTER 3. Department of Business Oversight [300. - 414.]
  • • ARTICLE 1. General Provisions [300. - 301.]
    • ARTICLE 2. Commissioner of Business Oversight [320. - 336.]
    • ARTICLE 3. Deputies and Employees [350. - 357.]
    • ARTICLE 4. Administration of the Department [370. - 381.]
    • ARTICLE 5. Financial Institutions Fund [400. - 400.]
    • ARTICLE 6. State Banking Account [405. - 414.]
  • CHAPTER 4. Operations [450. - 464.]
  • CHAPTER 5. Examinations and Reports-Banking [500. - 520.]
  • • ARTICLE 1. Examination [500. - 509.]
    • ARTICLE 2. Reports [520. - 520.]
  • CHAPTER 6. Enforcement [550. - 595.]
  • • ARTICLE 1. General Provisions [550. - 554.]
    • ARTICLE 2. Actions Involving the Conduct of Business by Unauthorized Persons [560. - 567.]
    • ARTICLE 3. Orders Against Licensees and Subject Persons [580. - 583.]
    • ARTICLE 4. Suspension or Removal of Subject Persons [585. - 589.]
    • ARTICLE 5. Suspension or Possession of a License [590. - 595.]
  • CHAPTER 7. Liquidation and Conservation [600. - 710.]
  • • ARTICLE 1. General Provisions [600. - 609.]
    • ARTICLE 2. Conservation or Liquidation of an Insured Licensee [620. - 624.]
    • ARTICLE 3. Conservatorship of an Uninsured Licensee [640. - 652.]
    • ARTICLE 4. Liquidation of an Uninsured Licensee [670. - 692.]
    • ARTICLE 5. Disposal of Unclaimed Trust Property [700. - 702.]
    • ARTICLE 6. Priorities [710. - 710.]
  • CHAPTER 8. Voluntary Liquidation [720. - 721.]
  • CHAPTER 9. Approval of Names of Nonbank Corporations [730. - 734.]
  • CHAPTER 10. Legal Investments for Nonbank Licensees [800. - 819.]
• DIVISION 1.1. BANKING [1000. - 1910.]
• • CHAPTER 1. General Provisions [1000. - 1008.]
  • CHAPTER 2. Application [1020. - 1027.]
  • CHAPTER 3. Authorization to Engage in Banking [1040. - 1048.]
  • CHAPTER 4. Bank Offices [1070. - 1082.]
  • CHAPTER 4.5. Bank Extraordinary Situation Closing [1090. - 1096.]
  • CHAPTER 5. Corporate Requirements [1100. - 1190.]
  • • ARTICLE 1. Articles, Bylaws, and Names [1100. - 1107.]
    • ARTICLE 2. Shares [1120. - 1122.]
    • ARTICLE 3. Distributions to Shareholders [1130. - 1135.]
    • ARTICLE 4. Shareholders e™ Equity [1150. - 1152.]
    • ARTICLE 5. Directors [1170. - 1176.]
    • ARTICLE 6. Shareholders [1190. - 1190.]
  • CHAPTER 6. Securities [1200. - 1212.]
  • CHAPTER 7. Acquisition of Control [1250. - 1263.]
  • CHAPTER 8. Bank Holding Companies [1280. - 1287.]
  • CHAPTER 9. Authorizations for Banks [1300. - 1301.]
  • CHAPTER 10. Restrictions and Prohibited Practices [1320. - 1367.]
  • • ARTICLE 1. General Provisions [1320. - 1341.]
    • ARTICLE 2. Loans to Insiders [1360. - 1367.]
  • CHAPTER 11. Agency Activities [1380. - 1397.]
  • • ARTICLE 1. General Provisions [1380. - 1382.]
    • ARTICLE 2. California State Bank as Principal [1384. - 1390.]
    • ARTICLE 3. California State Bank as Agent [1391. - 1397.]
  • CHAPTER 12. Deposits [1400. - 1440.]
  • • ARTICLE 1. Depositors [1400. - 1411.]
    • ARTICLE 2. Disclosure of Delayed Availability Policy [1420. - 1429.]
    • ARTICLE 3. Dormant Accounts [1440. - 1440.]
  • CHAPTER 13. Withdrawals and Collections [1450. - 1456.]
  • • ARTICLE 1. General [1450. - 1452.]
    • ARTICLE 2. Certified Checks [1455. - 1456.]
  • CHAPTER 14. Loans and Investments [1460. - 1522.]
  • • ARTICLE 1. General Provisions [1460. - 1467.]
    • ARTICLE 2. Loan and Investment Limitations [1470. - 1473.]
    • ARTICLE 3. Loan Limits [1480. - 1498.]
    • ARTICLE 4. Investments [1510. - 1515.]
    • ARTICLE 5. Miscellaneous [1520. - 1522.]
  • CHAPTER 15. Industrial Banks [1530. - 1542.]
  • • ARTICLE 1. General Provisions [1530. - 1533.]
    • ARTICLE 2. Industrial Bank Business [1540. - 1542.]
  • CHAPTER 16. Trust Companies [1550. - 1613.]
  • • ARTICLE 1. General Provisions [1550. - 1557.]
    • ARTICLE 2. Fiduciary Activities [1560. - 1562.]
    • ARTICLE 3. Deposits with State Treasurer [1570. - 1578.]
    • ARTICLE 4. Investments [1580. - 1586.]
    • ARTICLE 5. Miscellaneous [1600. - 1613.]
  • CHAPTER 17. Safe Deposit [1620. - 1651.]
  • • ARTICLE 1. General Provisions [1620. - 1620.]
    • ARTICLE 2. Remedies for Nonpayment of Rent [1630. - 1651.]
  • CHAPTER 18. Interstate Acquisitions [1660. - 1664.]
  • CHAPTER 19. Foreign (Other State) Banks [1670. - 1721.]
  • • ARTICLE 1. General Provisions [1670. - 1676.]
    • ARTICLE 2. California Branch Offices [1680. - 1688.]
    • ARTICLE 3. Facilities of Insured Foreign (Other State) Banks [1700. - 1705.]
    • ARTICLE 4. Facilities of Uninsured Foreign (Other State) Banks [1710. - 1721.]
  • CHAPTER 20. Foreign (Other Nation) Banks [1750. - 1835.]
  • • ARTICLE 1. General Provisions [1750. - 1768.]
    • ARTICLE 2. Representative Offices [1780. - 1784.]
    • ARTICLE 3. Agencies and Branch Offices [1800. - 1813.]
    • ARTICLE 4. Voluntary Surrender of License [1825. - 1825.]
    • ARTICLE 5. Enforcement [1830. - 1835.]
  • CHAPTER 21. International and Foreign Banking and Financing [1850. - 1910.]
  • • ARTICLE 1. International and Foreign Banking and Financing Corporations [1850. - 1897.]
    • ARTICLE 2. Bank Investments in International or Foreign Banking or Financing Companies Organized Under the Laws of the United States [1900. - 1902.]
    • ARTICLE 3. Bank Investments in International or Foreign Banking or Financing Corporations Organized Under the Laws of any State of the United States [1905. - 1905.]
    • ARTICLE 4. Bank Investments in Foreign Banks [1910. - 1910.]
• DIVISION 1.2. MONEY TRANSMISSION ACT [2000. - 2172.]
• • CHAPTER 1. General Provisions [2000. - 2003.]
  • CHAPTER 2. Exemptions [2010. - 2011.]
  • CHAPTER 3. Licenses [2030. - 2043.]
  • CHAPTER 4. Agents [2060. - 2063.]
  • CHAPTER 5. Eligible Securities [2081. - 2089.]
  • CHAPTER 6. Consumer Disclosures [2100. - 2106.]
  • CHAPTER 7. Examinations, Special Reports, and Records [2120. - 2124.]
  • CHAPTER 8. Additional Enforcement Provisions [2148. - 2153.]
  • CHAPTER 9. Miscellaneous Provisions [2170. - 2172.]
• DIVISION 1.3. THE SETTING OF FEES IN CONSUMER CREDIT AGREEMENTS AND RELATED CONSUMER PROTECTIONS [4000. - 4002.]
• DIVISION 1.4. CALIFORNIA FINANCIAL INFORMATION PRIVACY ACT [4050. - 4060.]
• DIVISION 1.5. FINANCIAL INSTITUTIONS [4100. - 4100.]
• DIVISION 1.6. DEPOSITORY CORPORATIONS e"SALE, MERGER, AND CONVERSION [4800. - 4966.]
• • CHAPTER 1. General Provisions [4800. - 4828.7.]
  • • ARTICLE 1. Short Title, Construction, and Severability [4800. - 4803.]
    • ARTICLE 2. Definitions [4805.01. - 4805.18.]
    • ARTICLE 3. Other General Provisions [4820. - 4828.7.]
  • CHAPTER 2. Administration [4830. - 4839.]
  • CHAPTER 3. Sale [4840. - 4879.17.]
  • • ARTICLE 1. General Provisions [4840. - 4843.]
    • ARTICLE 2. Sale of Whole Business Unit to California State Depository Corporation or California State-Licensed Foreign (Other Nation) Bank [4845. - 4862.]
    • ARTICLE 3. Sale of Whole Business Unit to Federal Depository Corporation, California Federally Licensed Foreign (Other Nation) Bank, or Insured Foreign (Other State) State Depository Corporation [4870. - 4875.]
    • ARTICLE 3.5. Sale of Whole Business Unit of California State Independent Trust Company to Uninsured Foreign (Other State) State Depository Corporation [4876.01. - 4876.09.]
    • ARTICLE 4. Certain Sales of Partial Business Units [4877.01. - 4877.07.]
    • ARTICLE 4.5. Sale of Partial Trust Business Unit by California State Bank or Savings Association to Uninsured Foreign (Other State) State Depository Corporation [4878.01. - 4878.08.]
    • ARTICLE 5. Other Sales of Partial Business Units [4879.01. - 4879.17.]
  • CHAPTER 4. Merger [4880. - 4908.10.]
  • • ARTICLE 1. Merger Into California State Depository Corporation [4880. - 4891.]
    • ARTICLE 2. Merger Into California State-Licensed Foreign (Other Nation) Bank [4895.01. - 4895.06.]
    • ARTICLE 3. Merger Into Federal Depository Corporation, California Federally Licensed Foreign (Other Nation) Bank, or Insured Foreign (Other State) State Depository Corporation [4900. - 4905.]
    • ARTICLE 4. Merger of California State Independent Trust Company into Uninsured Foreign (Other State) Depository Corporation [4908.01. - 4908.10.]
  • CHAPTER 5. Conversion [4920. - 4966.]
  • • ARTICLE 1. Conversion of California State Depository Corporation Into California State Depository Corporation [4920. - 4930.]
    • ARTICLE 2. Conversion of Federal Depository Corporation Into California State Depository Corporation [4940. - 4952.]
    • ARTICLE 3. Conversion of California State Depository Corporation Into Federal Depository Corporation [4960. - 4966.]
• DIVISION 1.7. COVERED LOANS [4970. - 4979.8.]
• • CHAPTER 1. General Provisions and Definitions [4970. - 4970.]
  • CHAPTER 2. Prohibited Acts [4973. - 4973.]
  • CHAPTER 3. Enforcement [4974. - 4979.8.]
• DIVISION 1.8. SECURITIES SALES [4981. - 4983.]
• DIVISION 1.9. PERSONS CONNECTED WITH FINANCIAL INSTITUTIONS [4990. - 4991.]
• DIVISION 1.10. HIGHER-PRICED MORTGAGE LOANS [4995. - 4995.6.]
• DIVISION 2. SAVINGS ASSOCIATION LAW [5000. - 10009.]
• • CHAPTER 1. Short Title, General Definitions, and General Provisions [5000. - 5330.]
  • • ARTICLE 1. Short Title [5000. - 5000.]
    • ARTICLE 2. General Definitions [5100. - 5124.]
    • ARTICLE 3. General Provisions [5203. - 5209.]
    • ARTICLE 4. Penalties [5300. - 5311.]
    • ARTICLE 5. Criminal Forfeiture [5320. - 5325.]
    • ARTICLE 6. Civil Penalties [5330. - 5330.]
  • CHAPTER 2. Corporate Organization and Corporate Changes [5400. - 5868.]
  • • ARTICLE 1. Organizing Permit [5400. - 5403.]
    • ARTICLE 2. Petition for Certificate of Authority [5500. - 5506.]
    • ARTICLE 3. Postincorporation Organization of Associations [5600. - 5618.]
    • ARTICLE 4. Issuance of Stock and Certificates [5620. - 5624.]
    • ARTICLE 5. Association Name, Office [5650. - 5655.]
    • ARTICLE 6. Conversions [5700. - 5718.]
    • ARTICLE 7. Power to Reorganize, Merge, Consolidate, or Transfer Assets [5750. - 5762.]
    • ARTICLE 8. Holding Companies and Stock Acquisitions [5800. - 5811.]
    • ARTICLE 9. Dissolution [5850. - 5850.]
    • ARTICLE 10. Mutual Holding Companies [5860. - 5868.]
  • CHAPTER 3. Corporate Administration [6000. - 6477.]
  • • ARTICLE 1. Meetings of Members of Mutual Associations [6000. - 6006.]
    • ARTICLE 2. Access to Books and Records; Communication with Stockholders or Members; Derivative Actions [6050. - 6053.]
    • ARTICLE 3. Financial Statement Publication [6100. - 6100.]
    • ARTICLE 4. Directors [6150. - 6157.]
    • ARTICLE 5. Indemnity Bonds [6200. - 6204.]
    • ARTICLE 6. Records [6450. - 6458.]
    • ARTICLE 7. Statutory Net Worth; Reserve Accounts [6475. - 6477.]
  • CHAPTER 4. Powers of Associations [6500. - 6558.]
  • • ARTICLE 1. General Powers [6500. - 6530.]
    • ARTICLE 2. Branching and Agency Powers [6550. - 6558.]
  • CHAPTER 5. Savings Operations [6600. - 7154.]
  • • ARTICLE 1. Savings Liability [6600. - 6603.]
    • ARTICLE 2. Savings Accounts [6651. - 6663.]
    • ARTICLE 3. Contracts for Savings Programs [6700. - 6702.]
    • ARTICLE 4. Powers of Attorney on Savings Accounts [6725. - 6725.]
    • ARTICLE 5. Married Persons and Minors [6750. - 6752.]
    • ARTICLE 6. Multiple-Party Accounts [6800. - 6805.]
    • ARTICLE 7. Accounts of Administrators, Executors, Guardians, Custodians, Trustees, and Other Fiduciaries [6850. - 6856.]
    • ARTICLE 8. Accounts of Incompetents [6900. - 6900.]
    • ARTICLE 9. Accounts of Deceased Nonresidents [6950. - 6951.]
    • ARTICLE 10. Savings Accounts as Legal Investments and as Security; Public Funds [7000. - 7002.]
    • ARTICLE 11. Interest [7050. - 7055.]
    • ARTICLE 12. Withdrawals [7100. - 7100.]
    • ARTICLE 13. Redemption [7150. - 7154.]
  • CHAPTER 6. Investment Operations [7200. - 7800.]
  • • ARTICLE 1. Required Liquidity [7200. - 7200.]
    • ARTICLE 2. Investment in Securities [7250. - 7252.]
    • ARTICLE 2.5. Other Authorized Investments in Bonds and Securities [7260. - 7275.]
    • ARTICLE 3. Investment in Business Property [7300. - 7300.]
    • ARTICLE 4. Purchase of Real Estate [7350. - 7350.]
    • ARTICLE 5. Investment in Loans [7450. - 7462.]
    • ARTICLE 6. Real Estate Loans [7500. - 7509.]
    • ARTICLE 7. Successors in Interest in Loans [7600. - 7600.]
    • ARTICLE 8. Salvage of Loans and Investments [7650. - 7650.]
    • ARTICLE 9. Usury Exemption [7675. - 7675.]
    • ARTICLE 10. Finance Leasing [7700.3. - 7704.]
    • ARTICLE 10.5. Leasing [7720. - 7720.]
    • ARTICLE 11. Hazard Insurance [7800. - 7800.]
  • CHAPTER 7. Supervision [8009. - 8254.]
  • • ARTICLE 1. Department of Savings and Loan [8009. - 8010.]
    • ARTICLE 2. Savings and Loan Account [8030. - 8037.]
    • ARTICLE 3. General Supervisory Powers and Duties of Commissioner [8050. - 8055.]
    • ARTICLE 4. Reports and Examinations [8150. - 8160.]
    • ARTICLE 5. Enforcement [8200. - 8202.]
    • ARTICLE 6. Conservatorship [8225. - 8230.]
    • ARTICLE 7. Receivership [8250. - 8254.]
  • CHAPTER 8. Federal Associations [8500. - 8501.]
  • CHAPTER 9. Fees [9000. - 9001.]
  • CHAPTER 10. Foreign (National) Savings Companies [10000. - 10009.]
• DIVISION 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS [12000. - 12404.]
• • CHAPTER 1. Definitions [12000. - 12005.]
  • CHAPTER 2. Application of Division [12100. - 12108.]
  • CHAPTER 3. Licensing [12200. - 12225.]
  • CHAPTER 4. Licensee Regulations [12300. - 12332.]
  • CHAPTER 5. Revocation of Licenses [12400. - 12404.]
• DIVISION 4. AUTOMATED TELLER MACHINES: USER SAFETY [13000. - 13070.]
• • CHAPTER 1. Intent [13000. - 13000.]
  • CHAPTER 2. Definitions [13020. - 13020.]
  • CHAPTER 3. Location and Installation [13030. - 13031.]
  • CHAPTER 4. Lighting [13040. - 13041.]
  • CHAPTER 5. Consumer Education [13050. - 13050.]
  • CHAPTER 6. Exemptions [13060. - 13060.]
  • CHAPTER 7. Effect of Compliance [13070. - 13070.]
• DIVISION 4.5. AUTOMATED TELLER MACHINE SURCHARGE DISCLOSURE [13080. - 13083.]
• DIVISION 5. CREDIT UNIONS [14000. - 16906.]
• • CHAPTER 1. General Provisions [14000. - 14052.]
  • • ARTICLE 1. Definitions [14000. - 14007.]
    • ARTICLE 2. General [14050. - 14052.]
  • CHAPTER 2. Formation [14100. - 14156.]
  • • ARTICLE 1. Incorporation and Bylaws [14100. - 14103.]
    • ARTICLE 2. Certificate to Act as a Credit Union [14150. - 14156.]
  • CHAPTER 3. Administration and Powers of the Commissioner [14200. - 14384.]
  • • ARTICLE 1. General [14200. - 14212.]
    • ARTICLE 2. Examinations and Reports [14250. - 14257.]
    • ARTICLE 3. Enforcement [14300. - 14319.]
    • ARTICLE 4. Costs of Administration [14350. - 14356.]
    • ARTICLE 5. Credit Union Advisory Committee [14380. - 14384.]
  • CHAPTER 4. Management and Operations [14400. - 14768.]
  • • ARTICLE 1. General [14400. - 14410.]
    • ARTICLE 2. Directors [14450. - 14456.]
    • ARTICLE 3. Officers [14500. - 14502.]
    • ARTICLE 4. Supervisory Committee [14550. - 14555.]
    • ARTICLE 5. Credit Committee and Loan Officers [14600. - 14605.]
    • ARTICLE 6. Investments [14650. - 14656.]
    • ARTICLE 7. Reserves [14700. - 14703.]
    • ARTICLE 8. Penalties [14750. - 14768.]
  • CHAPTER 5. Members [14800. - 14822.]
  • CHAPTER 6. Share Accounts and Certificates for Funds [14850. - 14905.]
  • • ARTICLE 1. General [14850. - 14868.]
    • ARTICLE 2. Dividends [14900. - 14905.]
  • CHAPTER 7. Loans [14950. - 15103.]
  • • ARTICLE 1. General [14950. - 14961.]
    • ARTICLE 2. Maximum Charges and Fees [15001. - 15001.]
    • ARTICLE 3. Loans to Directors, Officers and Committee Members [15050. - 15051.]
    • ARTICLE 4. Limitations [15100. - 15103.]
  • CHAPTER 9. Merger, Dissolution and Conversion [15200. - 15359.]
  • • ARTICLE 1. Merger [15200. - 15204.]
    • ARTICLE 2. Dissolution [15250. - 15260.]
    • ARTICLE 3. Conversion Into Federal Credit Unions [15300. - 15306.]
    • ARTICLE 4. Conversion of Federal Credit Union [15350. - 15359.]
  • CHAPTER 10. Central Credit Union [15400. - 15451.]
  • • ARTICLE 1. Definition [15400. - 15400.]
    • ARTICLE 2. General [15450. - 15451.]
  • CHAPTER 11. Foreign (Other State) Credit Unions [16000. - 16206.]
  • • ARTICLE 1. General Provisions [16000. - 16013.]
    • ARTICLE 2. Establishment of a California Branch Office or California Facility [16020. - 16024.]
    • ARTICLE 5. Relocation or Discontinuance of California Branch Office or California Facility [16075. - 16077.]
    • ARTICLE 6. Conduct of Credit Union Business [16100. - 16103.]
    • ARTICLE 7. Examination, Reports, and Records [16150. - 16154.]
    • ARTICLE 9. Enforcement [16200. - 16206.]
  • CHAPTER 12. Foreign (Other Nation) Credit Unions [16500. - 16906.]
  • • ARTICLE 1. General Provisions [16500. - 16512.]
    • ARTICLE 2. Representative Offices [16525. - 16530.]
    • ARTICLE 3. Branch Offices and Agencies [16550. - 16555.]
    • ARTICLE 6. Conduct of Credit Union Business [16600. - 16607.]
    • ARTICLE 7. Examination, Reports, and Records [16700. - 16704.]
    • ARTICLE 8. Voluntary Surrender of License [16800. - 16800.]
    • ARTICLE 9. Enforcement [16900. - 16906.]
• DIVISION 6. ESCROW AGENTS [17000. - 17703.]
• • CHAPTER 1. Application of This Division [17000. - 17010.]
  • CHAPTER 2. License and Bond [17200. - 17215.]
  • CHAPTER 2.5. Escrow Agents e™ Fidelity Corporation [17300. - 17350.]
  • • ARTICLE 1. Definitions [17300. - 17305.]
    • ARTICLE 2. Purpose: Scope of Guarantee [17310. - 17315.]
    • ARTICLE 3. Membership Fee and Assessments [17320. - 17324.]
    • ARTICLE 4. General Provisions [17330. - 17350.]
  • CHAPTER 3. Escrow Regulations [17400. - 17425.]
  • CHAPTER 4. Revocation of License [17600. - 17609.2.]
  • CHAPTER 5. Hearings [17610. - 17614.]
  • CHAPTER 6. Liquidation and Conservatorship [17621. - 17654.]
  • • ARTICLE 1. Possession by Commissioner [17621. - 17629.]
    • ARTICLE 2. Conservatorship [17630. - 17634.]
    • ARTICLE 3. Liquidation by the Commissioner [17635. - 17654.]
  • CHAPTER 7. Crimes and Civil Penalties [17700. - 17703.]
• DIVISION 7. INDUSTRIAL LOAN COMPANIES [18000. - 18707.]
• • CHAPTER 1. General Provisions [18000. - 18063.]
  • • ARTICLE 1. Definitions [18000. - 18019.]
    • ARTICLE 2. General Provisions [18020. - 18030.]
    • ARTICLE 3. Real Property Held [18040. - 18043.]
    • ARTICLE 4. Advertising [18055. - 18063.]
  • CHAPTER 2. Formation and Organization [18100. - 18166.]
  • • ARTICLE 1. General [18100. - 18104.]
    • ARTICLE 2. Applications [18115. - 18120.]
    • ARTICLE 3. Capitalization [18130. - 18139.]
    • ARTICLE 4. Branch Offices [18145. - 18154.]
    • ARTICLE 5. Change of Location [18165. - 18166.]
  • CHAPTER 3. Loans and Purchased Obligations [18190. - 18303.]
  • • ARTICLE 1. General [18190. - 18192.]
    • ARTICLE 2. Terms and Maximum Charges [18205. - 18222.]
    • ARTICLE 3. Disclosure and Loan Documents [18230. - 18235.]
    • ARTICLE 4. Credit Cards [18245. - 18245.]
    • ARTICLE 5. Limitations and Regulations of Loans and Purchased Obligations [18265. - 18274.]
    • ARTICLE 6. Insurance Sold With Loans [18290. - 18296.]
    • ARTICLE 6.5. Open-End Loans [18300. - 18303.]
  • CHAPTER 4. Investment Certificates [18315. - 18325.]
  • CHAPTER 5. Administration and Powers of the Commissioner [18339. - 18427.11.]
  • • ARTICLE 1. General [18339. - 18368.]
    • ARTICLE 2. Examinations [18390. - 18396.]
    • ARTICLE 3. Reports and Financial Statements [18405. - 18412.]
    • ARTICLE 4. Possession, Conservatorship, and Liquidation by the Commissioner [18415. - 18425.17.]
    • ARTICLE 5. Securities Transactions [18427. - 18427.11.]
  • CHAPTER 6. Prohibited Practices and Penalties [18435. - 18457.]
  • CHAPTER 7. Guarantee of Thrift Accounts [18475. - 18538.]
  • • ARTICLE 1. Definitions [18475. - 18481.]
    • ARTICLE 2. General [18490. - 18512.]
    • ARTICLE 3. Purpose and Scope of Guaranty Corporation [18520. - 18525.]
    • ARTICLE 4. Assessments [18535. - 18538.]
  • CHAPTER 8. Insurance Premium Financing [18560. - 18643.]
  • • ARTICLE 1. Definitions [18560. - 18567.]
    • ARTICLE 2. General [18580. - 18596.]
    • ARTICLE 3. Provisions of Premium Finance Agreements [18605. - 18611.]
    • ARTICLE 4. Limitation on Finance Charges [18625. - 18631.]
    • ARTICLE 5. Charges on Scheduled Balances [18634. - 18643.]
  • CHAPTER 9. Interstate Acquisitions [18650. - 18654.]
  • CHAPTER 10. Foreign (Other State) Industrial Loan Companies: Agency Activities [18660. - 18707.]
  • • ARTICLE 1. General Provisions [18660. - 18666.]
    • ARTICLE 2. Facilities of Insured Foreign (Other State) Industrial Loan Companies [18670. - 18675.]
    • ARTICLE 3. California Branch Offices [18680. - 18687.]
    • ARTICLE 4. California Industrial Loan Company as Principal [18690. - 18697.]
    • ARTICLE 5. California Industrial Loan Company as Agent [18700. - 18707.]
• DIVISION 8. PAWNBROKERS [21000. - 21307.]
• • CHAPTER 1. General Provisions [21000. - 21051.]
  • • ARTICLE 1. Definitions [21000. - 21003.]
    • ARTICLE 2. Exceptions to This Division [21050. - 21051.]
  • CHAPTER 2. Pawnbroker Regulations [21200. - 21209.]
  • CHAPTER 3. Licensure [21300. - 21307.]
• DIVISION 9. CALIFORNIA FINANCE LENDERS LAW [22000. - 22780.]
• • CHAPTER 1. General Provisions [22000. - 22172.]
  • • ARTICLE 1. Definitions [22000. - 22014.]
    • ARTICLE 2. Exemptions [22050. - 22065.]
    • ARTICLE 3. Licensing [22100. - 22112.]
    • ARTICLE 4. Regulations [22150. - 22172.]
  • CHAPTER 2. Consumer Loans [22200. - 22470.]
  • • ARTICLE 1. Definitions [22200. - 22204.]
    • ARTICLE 2. Exemptions [22250. - 22251.]
    • ARTICLE 3. Loan Regulations [22300. - 22347.]
    • ARTICLE 3.5. Pilot Program for Affordable Credit-Building Opportunities [22348. - 22362.]
    • ARTICLE 4. Charges On Scheduled Balances [22400. - 22402.]
    • ARTICLE 5. Open-End Loan Programs [22450. - 22467.]
    • ARTICLE 6. Disclosure of Loan Applications [22470. - 22470.]
  • CHAPTER 3. Commercial Loans [22500. - 22650.]
  • • ARTICLE 1. Definitions [22500. - 22502.]
    • ARTICLE 2. Exemptions [22550. - 22551.]
    • ARTICLE 3. Loan Regulations [22600. - 22601.]
    • ARTICLE 4. Open-End Credit Programs [22650. - 22650.]
  • CHAPTER 4. Revocation and Penalties [22700. - 22780.]
  • • ARTICLE 1. Revocation and Suspension of License [22700. - 22718.]
    • ARTICLE 2. Consumer Loan Penalties [22750. - 22757.]
    • ARTICLE 3. Commercial Loan Penalties [22780. - 22780.]
• DIVISION 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW [23000. - 23106.]
• • CHAPTER 1. General Provisions [23000. - 23027.]
  • • ARTICLE 1. Construction and Definitions [23000. - 23001.]
    • ARTICLE 2. Licensing and Exemptions [23005. - 23014.]
    • ARTICLE 3. Administration and Operations [23015. - 23027.]
  • CHAPTER 2. Deferred Deposit Transactions [23035. - 23038.]
  • CHAPTER 3. Enforcement [23045. - 23106.]
  • • ARTICLE 1. Administrative Actions [23045. - 23058.]
    • ARTICLE 2. Penalties for Misconduct [23060. - 23063.]
    • ARTICLE 3. Civil Damages [23064. - 23064.5.]
    • ARTICLE 4. Crimes [23065. - 23065.]
    • ARTICLE 5. Transition Provisions [23070. - 23074.]
    • ARTICLE 6. Miscellaneous [23100. - 23106.]
• [DIVISION 10. CONSUMER FINANCE LENDERS] [24058. - 24058.]
• DIVISION 11.5. NATIONAL HOUSING ACT LOANS [27000. - 27050.]
• • CHAPTER 1. Investments [27000. - 27004.]
  • CHAPTER 2. Securities for Deposit [27050. - 27050.]
• DIVISION 12. COLLEGE LOANS [28000. - 28001.]
• DIVISION 13. PREMIUM FINANCING [29000. - 29003.]
• DIVISION 14. SECURITIES DEPOSITORIES [30000. - 30704.]
• • CHAPTER 1. Application of This Division [30000. - 30006.]
  • CHAPTER 2. License [30200. - 30218.]
  • CHAPTER 3. Revocation of License [30600. - 30609.]
  • CHAPTER 4. Hearings [30700. - 30704.]
• DIVISION 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS [31000. - 31952.]
• • CHAPTER 1. General Provisions [31000. - 31056.]
  • • ARTICLE 1. Short Title, Construction, and Severability [31000. - 31006.]
    • ARTICLE 2. Legislative Findings and Purposes [31020. - 31021.]
    • ARTICLE 3. Definitions [31030. - 31056.]
  • CHAPTER 2. Administration [31100. - 31115.]
  • CHAPTER 3. Licensing [31150. - 31158.]
  • CHAPTER 4. Corporate Matters [31200. - 31233.]
  • • ARTICLE 1. Name [31200. - 31201.]
    • ARTICLE 2. Board of Directors [31210. - 31211.]
    • ARTICLE 3. Securities [31220. - 31220.]
    • ARTICLE 4. Distributions to Shareholders [31230. - 31233.]
  • CHAPTER 5. Offices [31300. - 31322.]
  • • ARTICLE 1. General Provisions [31300. - 31305.]
    • ARTICLE 2. Establishing, Relocating, and Closing Offices [31320. - 31322.]
  • CHAPTER 6. Transaction of Business [31400. - 31410.]
  • CHAPTER 7. Records, Reports, and Examinations [31500. - 31509.]
  • CHAPTER 8. Acquisition of Control [31550. - 31552.]
  • CHAPTER 9. Merger and Purchase or Sale of Business [31600. - 31605.]
  • CHAPTER 10. Voluntary Surrender of License [31650. - 31651.]
  • CHAPTER 12. Crimes and Criminal Penalties [31800. - 31881.]
  • • ARTICLE 1. General Provisions [31800. - 31802.]
    • ARTICLE 2. Conflicts of Interest [31820. - 31829.]
    • ARTICLE 3. Criminal Penalties [31880. - 31881.]
  • CHAPTER 13. Civil Penalties [31900. - 31901.]
  • CHAPTER 14. Transition Provisions [31950. - 31952.]
• DIVISION 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION [32000. - 32823.]
• • CHAPTER 1. General Provisions [32000. - 32219.]
  • • ARTICLE 1. Short Title, Construction and Severability [32000. - 32002.]
    • ARTICLE 2. Legislative Purposes [32101. - 32101.]
    • ARTICLE 3. Definitions [32200. - 32219.]
  • CHAPTER 2. Corporate Matters [32300. - 32352.5.]
  • • ARTICLE 1. Creation of the Corporation [32300. - 32301.]
    • ARTICLE 2. Corporate Name [32310. - 32310.]
    • ARTICLE 3. Board of Directors [32320. - 32326.]
    • ARTICLE 4. Management of the Corporation [32330. - 32332.]
    • ARTICLE 6. Powers, Exclusions and Prohibitions [32350. - 32352.5.]
  • CHAPTER 3. Corporate Finances [32400. - 32423.]
  • • ARTICLE 1. Corporate Accounts [32400. - 32404.]
    • ARTICLE 3. Government Guaranteed Securities Trust Fund [32420. - 32423.]
  • CHAPTER 5. Loan Operations [32600. - 32601.]
  • CHAPTER 6. Miscellaneous [32720. - 32724.]
  • • ARTICLE 1. Office of Management Services [ - ]
    • ARTICLE 2. Alternative Energy Research [ - ]
    • ARTICLE 3. Special Projects [32720. - 32724.]
  • CHAPTER 7. Borrowing From the State [32810. - 32823.]
  • • ARTICLE 2. State Enterprise Loan Fund [32810. - 32814.]
    • ARTICLE 3. Borrowing from the Fund [32820. - 32823.]
• DIVISION 19. RELEASE OF DEMAND DEPOSIT FUNDS [40500. - 40501.]
• DIVISION 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT [50000. - 50706.]
• • CHAPTER 1. General [50000. - 50006.]
  • CHAPTER 2. Licensing: Residential Mortgage Lender [50120. - 50129.]
  • CHAPTER 3. Licensing: Residential Mortgage Loan Servicer [50130. - 50130.]
  • CHAPTER 3.5. Mortgage Loan Originators [50140. - 50146.]
  • CHAPTER 3.6. Nationwide Mortgage Licensing System and Registry [50150. - 50152.]
  • CHAPTER 4. Financial Condition, Transaction and Bond Requirements [50200. - 50209.]
  • CHAPTER 5. Administration and Powers of the Commissioner [50301. - 50333.]
  • CHAPTER 6. Assessments [50400. - 50402.]
  • CHAPTER 7. Prohibited Practices and Penalties [50500. - 50513.]
  • CHAPTER 8. Operation of Division [ - ]
  • CHAPTER 9. Brokerage Services for Borrowers [50700. - 50706.]
• DIVISION 20.5. EXCHANGE FACILITATORS [51000. - 51015.]
• DIVISION 22. CALIFORNIA FINANCIAL LITERACY FUND [70000. - 70004.]