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CALIFORNIA FINANCIAL CODE

Last update: 2011-11-07


  • 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
    • 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 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 9. Brokerage Services for Borrowers. 50700-50706
  • DIVISION 20.5. Exchange Facilitators. 51000-51015

General Provisions.

Section 1

This act is known and may be cited as the Financial Code.

Section 2

The provisions of this code insofar as they are substantially the same as existing statutory provisions relating to the same subject matter shall be construed as restatements and continuations, and not as new enactments.

Section 3

Any action or proceeding commenced before this code takes effect, or any right accrued, is not affected by this code, but all procedure taken shall conform to the provisions of this code as far as possible.

Section 4

Unless the context otherwise requires the general provisions hereinafter set forth govern the construction of this code.

Section 5

Division, part, chapter, article, and section headings do not in any manner affect the scope, meaning, or intent of the provisions of this code.

Section 6

Whenever a power is granted to, or a duty imposed on any person or board by any provision of this code, it may be exercised or performed by any deputy or person authorized by the person or board to whom the power is granted or on whom the duty is imposed, unless it is expressly provided that the power or duty shall be exercised or performed only by the person or board to whom the power is granted or on whom the duty is imposed.

Section 7

Whenever any reference is made to any portion of this code or of any other law, the reference applies to all amendments and additions thereto, now or hereafter made.

Section 8

Writing includes any form of recorded message capable of comprehension by ordinary visual means. Whenever any notice, report, statement, or record is required or authorized by this code, it shall be made in writing in the English language.

Whenever any notice or other communication is required by this code to be mailed by registered mail by or to any person or corporation, the mailing of such notice or other communication by certified mail shall be deemed to be a sufficient compliance with the requirements of law.

Section 9

"Section" means a section of this code unless some other statute is specifically mentioned, and "subdivision" means a subdivision of the section in which the term occurs unless some other section is expressly mentioned.

Section 10

The present tense includes the past and future tenses; and the future, the present.

Section 11

The masculine gender includes the feminine and neuter.

Section 12

The singular number includes the plural and the plural the singular.

Section 13

"City" includes incorporated city, city and county, municipal corporation, municipality, town and incorporated town.

Section 14

"County" includes city and county.