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Financial Code - FIN - FIN § 18005
Financial Code - FIN - FIN § 18005
“Consumer loan or consumer obligation” means a loan made to, or an obligation incurred by, a natural person in which the money loaned, or the property delivered or service rendered under the obligation is primarily for personal, family, or household purposes.
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Financial Code - FIN - FIN § 18006
Financial Code - FIN - FIN § 18006
“Primarily secured by real property”, as used in this division, means the fair market value of the real property less prior encumbrances, at the time the loan is made or other obligation is acquired, is more than 50 percent of the principal amount owing on the loan or obligation.
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Financial Code - FIN - FIN § 18007
Financial Code - FIN - FIN § 18007
“Charges”, as used in this division, include the aggregate interest, fees, bonuses, commissions, brokerage, discounts, expenses, and other forms of costs charged, contracted for, or received by an industrial loan company or any other person in connection with the investigating, a
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Financial Code - FIN - FIN § 18008
Financial Code - FIN - FIN § 18008
“Charges” also include any profit or advantage of any kind that any person may contract for, collect, receive, or in any manner obtain by a collateral sale, purchase, or agreement, in connection with the negotiating, arranging, making, or otherwise in connection with any loan, ex
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Financial Code - FIN - FIN § 18009
Financial Code - FIN - FIN § 18009
“Principal amount”, as used in this division, means the net amount of money, credit, goods, or things in action received by the debtor or borrower or disbursed on the borrower’s instructions at the time of entering into the transaction.
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Financial Code - FIN - FIN § 1801
Financial Code - FIN - FIN § 1801
No foreign (other nation) bank shall be licensed to maintain any agency or branch office unless it is qualified to transact intrastate business in this state under Chapter 21 (commencing with Section 2100) of Division 1 of Title 1 of the Corporations Code.
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Financial Code - FIN - FIN § 18010
Financial Code - FIN - FIN § 18010
“Principal balance”, and “face amount” as used in this division, means the unpaid balance of a loan or other obligation.
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Financial Code - FIN - FIN § 18011
Financial Code - FIN - FIN § 18011
“Affiliated company”, as used in this division, is a company under substantially the same management or control, directly or indirectly, as the industrial loan company.
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Financial Code - FIN - FIN § 18011.1
Financial Code - FIN - FIN § 18011.1
“Affiliate” means an affiliated company or a person who, directly or indirectly, controls over 10 percent of the voting stock of an industrial loan company.
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Financial Code - FIN - FIN § 18012
Financial Code - FIN - FIN § 18012
“Corporate Securities Law” means the Corporate Securities Law of 1968, Division 1 (commencing with Section 25000) of Title 4 of the Corporations Code.
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Financial Code - FIN - FIN § 18013
Financial Code - FIN - FIN § 18013
“Outstanding loans and obligations,” as used in this division, means total outstanding loans and obligations, including lease obligations, less unearned interest or charges, unearned discount, reserve or allowance for losses, and other applicable allowances or deductions as deter
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Financial Code - FIN - FIN § 18014
Financial Code - FIN - FIN § 18014
“Obligation” as used in Sections 18265, 18271, 18272, and 18343 includes lease obligations as authorized by Section 18310.
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Financial Code - FIN - FIN § 18015
Financial Code - FIN - FIN § 18015
“Lease obligation” as used in this division, means a lease contract entered into by an industrial loan company as lessor.
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Financial Code - FIN - FIN § 18016
Financial Code - FIN - FIN § 18016
“Investment certificates ratio”, as used in this division, means the ratio of the aggregate sum of all of the outstanding investment certificates, exclusive of those hypothecated with the company issuing them, of a company to the aggregate amount of its paid-up and unimpaired cap
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Financial Code - FIN - FIN § 18016.5
Financial Code - FIN - FIN § 18016.5
“Premium finance agency” has the meaning set forth in Section 18560.
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Financial Code - FIN - FIN § 18017
Financial Code - FIN - FIN § 18017
“Assets,” as used in this division, means all assets excluding intangibles.
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Financial Code - FIN - FIN § 18018
Financial Code - FIN - FIN § 18018
“Capital,” as used in this division, consists of all of the following: (a) Capital stock. (b) Primary capital to the extent not included in capital stock. (c) Secondary capital.
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Financial Code - FIN - FIN § 18018.1
Financial Code - FIN - FIN § 18018.1
“Primary capital,” as used in this division, means the sum of common stock, perpetual preferred stock, capital surplus, undivided profits, capital reserves, and mandatory convertible debt (to the extent of 20 percent of primary capital exclusive of that debt).
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Financial Code - FIN - FIN § 18018.2
Financial Code - FIN - FIN § 18018.2
“Secondary capital,” as used in this division, means the sum of mandatory convertible debt that is not included in primary capital, limited life preferred stock, and subordinated notes and debentures, all in an amount up to 50 percent of primary capital. Issues of limited life pr
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Financial Code - FIN - FIN § 18018.3
Financial Code - FIN - FIN § 18018.3
“Perpetual preferred stock,” as used in this division, means a preferred stock that does not have a stated maturity date or that can not be redeemed at the option of the holder. It includes those issues of preferred stock that automatically convert into common stock at a stated d
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Financial Code - FIN - FIN § 18018.4
Financial Code - FIN - FIN § 18018.4
“Mandatory convertible debt,” as used in this division, means a subordinated debt instrument which requires the issuer to convert that instrument into common or perpetual preferred stock by a date at or before the maturity of the debt instrument. The maturity of those instruments
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Financial Code - FIN - FIN § 18018.5
Financial Code - FIN - FIN § 18018.5
“Limited life preferred,” as used in this division, means preferred stock which has a maturity or which may be redeemed at the option of the holder.
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Financial Code - FIN - FIN § 18018.6
Financial Code - FIN - FIN § 18018.6
“Subordinated notes and debentures,” as used in this division, means an obligation other than an investment certificate obligation that: (a) Bears on its face, in boldface type no smaller than the largest size type used in the obligation, the following: “this obligation is not a
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Financial Code - FIN - FIN § 18019
Financial Code - FIN - FIN § 18019
“Capital Stock,” as used in this division, means one-class voting common stock.
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Financial Code - FIN - FIN § 1802
Financial Code - FIN - FIN § 1802
No foreign (other nation) bank shall be licensed to maintain a retail branch office unless the deposits in such office are insured by the Federal Deposit Insurance Corporation in accordance with the provisions of the Federal Deposit Insurance Act.