2010 California Code
Financial Code


   GENERAL PROVISIONS ..................................................   1-22
   DIVISION 1.  BANKS
    CHAPTER 1.  SCOPE AND DEFINITIONS .................................. 99-151
    CHAPTER 1.5.  TRANSITION PROVISIONS ............................... 180-185
    CHAPTER 2.  DEPARTMENT OF FINANCIAL INSTITUTIONS
     Article 1.  General .............................................. 200-201
     Article 2.  Commissioner of Financial Institutions ............... 210-223
     Article 3.  Deputies and Employees ............................... 230-236
     Article 4.  Administration of Department ......................... 250-263
     Article 4.5.  Financial Institutions Fund .........................    265
     Article 5.  State Banking Account ................................ 270-277
     Article 6.  General Operational Provisions ....................... 280-293
     Article 7.  Enforcement ........................................ 295-302.3
     Article 8.  Liquidation and Conservation ......................... 305-330
     Article 9.  Voluntary Liquidation .............................. 335-335.1
    CHAPTER 3.  ORGANIZATION OF BANKS
     Article 1.  General .............................................. 350-357
     Article 2.  Application .......................................... 360-365
     Article 4.  Authorization to Engage in Banking ................... 399-407
    CHAPTER 4.  BANK OFFICES .......................................... 500-511
    CHAPTER 4.5.  AUTHORIZATIONS FOR BANKS ............................ 550-551
    CHAPTER 5.  CORPORATE REQUIREMENTS
     Article 1.  Articles, Bylaws, and Name ........................... 600-602
     Article 2.  Shares ............................................... 620-622
     Article 3.  Distributions to Shareholders ........................ 640-646
     Article 4.  Shareholders' Equity ................................. 660-663
     Article 4.5.  Capital Notes and Debentures ........................    670
     Article 5.  Directors ............................................ 679-688
     Article 5.5.  Shareholders ........................................    689
     Article 6.  Sale of Securities ................................... 690-698
     Article 7.  Acquisition of Control ............................... 700-711
    CHAPTER 6.  RESTRICTIONS AND PROHIBITED PRACTICES
     Article 1.  General .............................................. 750-770
     Article 2.  Loans to Insiders .................................... 780-787
     Article 3.  Banking Business by Unauthorized Persons ............. 790-795
    CHAPTER 6.5.  AGENCY ACTIVITIES
     Article 1.  General Provisions ................................... 800-802
     Article 2.  California State Bank as Principal ................... 810-816
     Article 3.  California State Bank as Agent ....................... 820-826
    CHAPTER 7.  DEPOSITS
     Article 1.  Depositors ........................................... 850-864
     Article 1.8.  Disclosure of Delayed Availability Policy .......... 866-867
     Article 2.  Dormant Accounts ......................................    874
    CHAPTER 8.  WITHDRAWALS AND COLLECTIONS
     Article 1.  General .............................................. 952-954
     Article 2.  Certified Checks ..................................... 970-971
    CHAPTER 9.  LEGAL INVESTMENTS FOR SAVINGS BANKS ................. 1000-1018
    CHAPTER 10.  COMMERCIAL BANKS
     Article 1.  General ............................................ 1200-1208
     Article 1.5.  Loan and Investment Limitations .................. 1210-1213
     Article 2.  Loan Limits ........................................ 1220-1242
     Article 4.  Investments ........................................ 1330-1339
     Article 5.  Miscellaneous ...................................... 1380-1382
    CHAPTER 11.  INDUSTRIAL BANKS
     Article 1.  General Provisions ................................. 1400-1403
     Article 2.  Business of Industrial Banks ....................... 1410-1412
    CHAPTER 12.  TRUST COMPANIES
     Article 1.  General Provisions ................................. 1500-1505
     Article 2.  Fiduciary Activities ............................... 1520-1522
     Article 3.  Deposits with State Treasurer ...................... 1540-1547
     Article 4.  Investments ........................................ 1560-1565
     Article 5.  General ............................................ 1580-1593
    CHAPTER 13.  SAFE DEPOSIT
     Article 1.  General ...............................................   1650
     Article 2.  Remedies for Nonpayment of Rent .................... 1660-1680
    CHAPTER 13.5.  FOREIGN (OTHER NATION)BANKS
     Article 1.  General Provisions ................................. 1700-1716
     Article 2.  Representative Offices ............................. 1725-1729
     Article 3.  Agencies and Branch Offices ........................ 1750-1763
     Article 4.  Voluntary Surrender of License ........................   1775
     Article 5.  Enforcement ........................................ 1780-1785
    CHAPTER 14.  MONEY TRANSMISSION ACT
     Article 1.  General Provisions ................................. 1800-1803
     Article 2.  Exemptions ......................................... 1805-1806
     Article 3.  Licenses ........................................... 1810-1822
     Article 4.  Agents ............................................. 1825-1828
     Article 5.  Eligible Securities ................................ 1830-1838
     Article 6.  Consumer Disclosures ............................... 1840-1846
     Article 7.  Examinations, Special Reports, and Records ......... 1850-1854
     Article 8.  Enforcement ........................................ 1860-1868
     Article 9.  Voluntary Surrender of License and Miscellaneous
                 Provisions ......................................... 1870-1872
    CHAPTER 15.  EXAMINATIONS AND REPORTS
     Article 1.  Examinations ....................................... 1900-1917
     Article 2.  Reports ...............................................   1935
     Article 3.  Accounting
    CHAPTER 19.  INTERNATIONAL AND FOREIGN BANKING AND FINANCING
     Article 1.  International and Foreign Banking and Financing
                 Corporations ....................................... 3500-3548
     Article 2.  Bank Investments in International or Foreign
                 Banking or Financing Corporations Organized Under
                 the Laws of the United States ...................... 3560-3562
     Article 3.  Bank Investments in International or Foreign
                 Banking or Financing Corporations Organized Under
                 the Laws of Any State of the United States ............   3570
     Article 4.  Bank Investments in Foreign Banks .....................   3580
    CHAPTER 20.  BANK EXTRAORDINARY SITUATION CLOSING ............... 3600-3606
    CHAPTER 21.  BANK HOLDING COMPANIES ............................. 3700-3707
    CHAPTER 21.5.  INTERSTATE ACQUISITIONS .......................... 3750-3754
    CHAPTER 22.  FOREIGN (OTHER STATE) BANKS
     Article 1.  General Provisions ................................. 3800-3806
     Article 2.  California Branch Offices .......................... 3820-3828
     Article 3.  Facilities of Insured Foreign (Other State) Banks .. 3840-3845
     Article 4.  Facilities of Uninsured Foreign (Other State) Banks  3860-3871
    CHAPTER 23.  APPROVAL OF NAMES OF NONBANK CORPORATIONS .......... 3900-3904
   DIVISION 1.1.  THE SETTING OF FEES IN CONSUMER CREDIT AGREEMENTS
                  AND RELATED CONSUMER PROTECTIONS .................. 4000-4002
   DIVISION 1.2.  CALIFORNIA FINANCIAL INFORMATION PRIVACY ACT ...... 4050-4060
   DIVISION 1.3.  FINANCIAL INSTITUTIONS ...............................   4100
   DIVISION 1.5.  DEPOSITORY CORPORATIONS--SALE, MERGER, AND
                  CONVERSION
    CHAPTER 1.  GENERAL PROVISIONS
     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
     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
     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
     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 1.6.  ____
    CHAPTER 1.  GENERAL PROVISIONS AND DEFINITIONS .....................   4970
    CHAPTER 2.  PROHIBITED ACTS ........................................   4973
    CHAPTER 3.  ENFORCEMENT ....................................... 4974-4979.8
   DIVISION 1.7.  SECURITIES SALES .................................. 4981-4983
   DIVISION 1.8.  PERSONS CONNECTED WITH FINANCIAL INSTITUTIONS ..... 4990-4991
   DIVISION 1.9.  HIGHER-PRICED MORTGAGE LOANS .................... 4995-4995.6
   DIVISION 2.  SAVINGS ASSOCIATION LAW
    CHAPTER 1.  SHORT TITLE, GENERAL DEFINITIONS, AND GENERAL
                PROVISIONS
     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
     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
     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
     Article 1.  General Powers ..................................... 6500-6530
     Article 2.  Branching and Agency Powers ........................ 6550-6558
    CHAPTER 5.  SAVINGS OPERATIONS
     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
     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
     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
    [CHAPTER 10.1.  FOREIGN (REGIONAL) SAVINGS COMPANIES ] .............  10010
   DIVISION 3.  CHECK SELLERS, BILL PAYERS, AND PRORATERS
    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
    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
    CHAPTER 1.  GENERAL PROVISIONS
     Article 1.  Definitions ...................................... 14000-14007
     Article 2.  General .......................................... 14050-14052
    CHAPTER 2.  FORMATION
     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
     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
     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
     Article 1.  General .......................................... 14850-14868
     Article 2.  Dividends ........................................ 14900-14905
    CHAPTER 7.  LOANS
     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
     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
     Article 1.  Definition ............................................  15400
     Article 2.  General .......................................... 15450-15451
    CHAPTER 11.  FOREIGN (OTHER STATE) CREDIT UNIONS
     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
     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
    CHAPTER 1.  APPLICATION OF THIS DIVISION ...................... 17000-17010
    CHAPTER 2.  LICENSE AND BOND .................................. 17200-17215
    CHAPTER 2.5.  ESCROW AGENTS' FIDELITY CORPORATION
     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
     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
    CHAPTER 1.  GENERAL PROVISIONS
     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
     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
     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
     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
     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
     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
     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
    CHAPTER 1.  GENERAL PROVISIONS
     Article 1.  Definitions ...................................... 21000-21002
     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
    CHAPTER 1.  GENERAL PROVISIONS
     Article 1.  Definitions ...................................... 22000-22014
     Article 2.  Exemptions ....................................... 22050-22064
     Article 3.  Licensing ........................................ 22100-22112
     Article 4.  Regulations ...................................... 22150-22172
    CHAPTER 2.  CONSUMER LOANS
     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
    CHAPTER 3.  COMMERCIAL LOANS
     Article 1.  Definitions ...................................... 22500-22502
     Article 2.  Exemptions ....................................... 22550-22551
     Article 3.  Loan Regulations ................................. 22600-22601
     Article 4.  Open-End Credit Programs ..............................  22650
    CHAPTER 4.  REVOCATION AND PENALTIES
     Article 1.  Revocation and Suspension of License ............. 22700-22718
     Article 2.  Consumer Loan Penalties .......................... 22750-22755
     Article 3.  Commercial Loan Penalties .............................  22780
   DIVISION 10.  CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW
    CHAPTER 1.  GENERAL PROVISIONS
     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
     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] ............................  24058
   DIVISION 11.5.  NATIONAL HOUSING ACT LOANS
    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
    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
    CHAPTER 1.  GENERAL PROVISIONS
     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
     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
     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
     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
    CHAPTER 1.  GENERAL PROVISIONS
     Article 1.  Short Title, Construction and Severability ....... 32000-32002
     Article 2.  Legislative Purposes ..................................  32101
     Article 3.  Definitions ...................................... 32200-32219
    CHAPTER 2.  CORPORATE MATTERS
     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
     Article 1.  Corporate Accounts ............................... 32400-32404
     Article 3.  Government Guaranteed Securities Trust Fund ...... 32420-32423
    CHAPTER 5.  LOAN OPERATIONS ................................... 32600-32601
    CHAPTER 6.  MISCELLANEOUS
     Article 1.  Office of Management Services
     Article 2.  Alternative Energy Research
     Article 3.  Special Projects ................................. 32720-32724
    CHAPTER 7.  BORROWING FROM THE STATE
     Article 2.  State Enterprise Loan Fund ....................... 32810-32814
     Article 3.  Borrowing from the Fund .......................... 32820-32823
    CHAPTER 8.  ENERGY EFFICIENCY IMPROVEMENTS
     Article 1.  Purpose ...............................................  32900
     Article 2.  Definitions ...................................... 32905-32911
     Article 3.  Energy Efficiency Improvements Loan Fund ......... 32920-32942
     Article 4.  Small Business Energy Accounting ......................  32952
     Article 5.  Reports ...............................................  32960
   DIVISION 19.  RELEASE OF DEMAND DEPOSIT FUNDS .................. 40500-40501
   DIVISION 20.  CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT
    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 8.  OPERATION OF DIVISION
    CHAPTER 9.  BROKERAGE SERVICES FOR BORROWERS .................. 50700-50706
   DIVISION 20.5.  EXCHANGE FACILITATORS .......................... 51000-51015

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