California Financial Code

GENERAL PROVISIONS 1-22 >>

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 320-337 >>

ARTICLE 3. Deputies and Employees 350-357 >>

ARTICLE 4. Administration of the Department 370-381 >>

ARTICLE 5. Financial Institutions Fund 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 >>

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 >>

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 1000-1007 >>

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’ Equity 1150-1152 >>

ARTICLE 5. Directors 1170-1176 >>

ARTICLE 6. Shareholders 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 >>

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 >>

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 >>

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 >>

ARTICLE 4. Bank Investments in Foreign Banks 1910 >>

DIVISION 1.2. MONEY TRANSMISSION ACT 2000-2176

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 2170-2176 >>

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 >>

DIVISION 1.6. DEPOSITORY CORPORATIONS—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 >>

CHAPTER 2. Prohibited Acts 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 >>

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 >>

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 >>

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 >>

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 >>

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 >>

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 >>

ARTICLE 13. Redemption 7150-7154 >>

CHAPTER 6. Investment Operations 7200-7800

ARTICLE 1. Required Liquidity 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 >>

ARTICLE 4. Purchase of Real Estate 7350 >>

ARTICLE 5. Investment in Loans 7450-7462 >>

ARTICLE 6. Real Estate Loans 7500-7509 >>

ARTICLE 7. Successors in Interest in Loans 7600 >>

ARTICLE 8. Salvage of Loans and Investments 7650 >>

ARTICLE 9. Usury Exemption 7675 >>

ARTICLE 10. Finance Leasing 7700.3-7704 >>

ARTICLE 10.5. Leasing 7720 >>

ARTICLE 11. Hazard Insurance 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 >>

CHAPTER 2. Definitions 13020 >>

CHAPTER 3. Location and Installation 13030-13031 >>

CHAPTER 4. Lighting 13040-13041 >>

CHAPTER 5. Consumer Education 13050 >>

CHAPTER 6. Exemptions 13060 >>

CHAPTER 7. Effect of Compliance 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 >>

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 >>

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 >>

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’ 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 >>

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 22050-22067 >>

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 3.6. Pilot Program for Increased Access to Responsible Small Dollar Loans 22365-22381 >>

ARTICLE 4. Charges On Scheduled Balances 22400-22402 >>

ARTICLE 5. Open-End Loan Programs 22450-22467 >>

ARTICLE 6. Disclosure of Loan Applications 22470 >>

CHAPTER 3. Commercial Loans 22500-22650

ARTICLE 1. Definitions 22500-22502 >>

ARTICLE 2. Exemptions 22550-22551 >>

ARTICLE 3. Loan Regulations 22600-22604 >>

ARTICLE 4. Open-End Credit Programs 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 >>

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 >>

ARTICLE 5. Transition Provisions 23070-23074 >>

ARTICLE 6. Miscellaneous 23100-23106 >>

[DIVISION 10. CONSUMER FINANCE LENDERS] (NULL)

DIVISION 11.5. NATIONAL HOUSING ACT LOANS 27000-27050

CHAPTER 1. Investments 27000-27004 >>

CHAPTER 2. Securities for Deposit 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 >>

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 >>

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 >>

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 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 >>

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 9. Brokerage Services for Borrowers 50700-50706 >>

DIVISION 20.5. EXCHANGE FACILITATORS 51000-51013 >>

DIVISION 22. CALIFORNIA FINANCIAL LITERACY FUND 70000-70004 >>

DIVISION 23. BANK ON CALIFORNIA PROGRAM 80000-80002 >>