There is a newer version of the California Code
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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