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Civil Code - CIV - CIV § 1784.20

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.20

This title shall be known, and may be cited, as the California Combating Auto Retail Scams (CARS) Act.

Civil Code - CIV - CIV § 1784.21

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.21

Any waiver by a consumer of the provisions of this title is contrary to public policy and is unenforceable and void.

Civil Code - CIV - CIV § 1784.22

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.22

The provisions of this title are not exclusive. The remedies provided in this title for a violation of this title or for conduct proscribed by this title shall be in addition to any other remedies available under other law. This title does not limit or alter the remedies and liab

Civil Code - CIV - CIV § 1784.23

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.23

If any provision of this title or the application of this title to any person or circumstance is held to be unconstitutional or otherwise deemed to be invalid, the remainder of the title and the application of the provision to other persons or circumstances shall not be affected.

Civil Code - CIV - CIV § 1784.28

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.28

This title shall become operative on October 1, 2026.

Civil Code - CIV - CIV § 1784.30

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.30

This title shall be liberally construed and applied to promote its underlying purposes, which are to protect purchasers and lessees of new or used motor vehicles against unfair and deceptive business practices and to provide efficient and economical procedures to secure that prot

Civil Code - CIV - CIV § 1784.31

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.31

The following definitions apply for purposes of this title: (a) “Add-on” or “add-on product or service” means any product or service not provided to the purchaser or lessee or installed on the vehicle by the vehicle manufacturer and for which the dealer, directly or indirectly, c

Civil Code - CIV - CIV § 1784.40

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.40

It is a violation of this title for any dealer to make any misrepresentation regarding material information about any of the following: (a) The costs or terms of purchasing, financing, or leasing a vehicle. (b) Any costs, limitation, benefit, or any other aspect of an add-on prod

Civil Code - CIV - CIV § 1784.41

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.41

It is a violation of this title for any dealer to fail to make any disclosure required by this section clearly and conspicuously. (a) In connection with the sale or financing of a vehicle, a vehicle’s total price shall be disclosed as follows: (1) In any advertisement that refere

Civil Code - CIV - CIV § 1784.42

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.42

It is a violation of this title for any dealer, in connection with the sale or financing of vehicles, to charge for any of the following. (a) A dealer may not charge for an add-on product or service if the vehicle purchaser or lessee would not benefit from the add-on product or s

Civil Code - CIV - CIV § 1784.43

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.43

(a) (1) (A) A dealer shall not sell or lease a used vehicle at retail at a price equal to or less than fifty thousand dollars ($50,000) without providing the buyer or lessee with a three-day right to cancel the purchase or lease. (B) The right to cancel does not apply if the used

Civil Code - CIV - CIV § 1784.44

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1784.44

(a) A dealer subject to this title shall create and retain, for a period of two years from the date the record is created, all records necessary to demonstrate compliance with this title, including the following records: (1) Records demonstrating that communications and advertise

Civil Code - CIV - CIV § 1785.1

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.1

The Legislature finds and declares as follows: (a) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, and general reputation of consumers. (b) Consumer credit reporting agencies have assumed a vital

Civil Code - CIV - CIV § 1785.10

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.10

(a) Every consumer credit reporting agency shall, upon request and proper identification of any consumer, allow the consumer to visually inspect all files maintained regarding that consumer at the time of the request. (b) Every consumer reporting agency, upon contact by a consume

Civil Code - CIV - CIV § 1785.10.1

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.10.1

(a) It is unlawful for a consumer credit reporting agency to prohibit in any manner, including, but not limited to, in the terms of a contract enforceable in the state, or to dissuade or attempt to dissuade, a user of a consumer credit report furnished by the credit reporting age

Civil Code - CIV - CIV § 1785.11

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11

(a) A consumer credit reporting agency shall furnish a consumer credit report only under the following circumstances: (1) In response to the order of a court having jurisdiction to issue an order. (2) In accordance with the written instructions of the consumer to whom it relates.

Civil Code - CIV - CIV § 1785.11.1

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.1

(a) A consumer may elect to place a security alert in his or her credit report by making a request in writing or by telephone to a consumer credit reporting agency. “Security alert” means a notice placed in a consumer’s credit report, at the request of the consumer, that notifies

Civil Code - CIV - CIV § 1785.11.10

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.10

Sections 1785.11.9 to 1785.11.11, inclusive, do not apply to the use of a protected consumer’s consumer credit report or record by any of the following: (a) A person or entity listed in paragraph (1) or (2) of subdivision (l) of Section 1785.11.2, or Section 1785.11.4 or 1785.11.

Civil Code - CIV - CIV § 1785.11.11

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.11

(a) (1) A consumer credit reporting agency shall place a security freeze for a protected consumer if both of the following occur: (A) The consumer credit reporting agency receives a request from the protected consumer’s representative for the placement of the security freeze purs

Civil Code - CIV - CIV § 1785.11.2

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.2

(a) A consumer may elect to place a security freeze on his or her credit report by making a request in writing by mail to a consumer credit reporting agency. “Security freeze” means a notice placed in a consumer’s credit report, at the request of the consumer, and subject to cert

Civil Code - CIV - CIV § 1785.11.3

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.3

(a) If a security freeze is in place, a consumer credit reporting agency shall not change any of the following official information in a consumer credit report without sending a written confirmation of the change to the consumer within 30 days of the change being posted to the co

Civil Code - CIV - CIV § 1785.11.4

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.4

The provisions of Sections 1785.11.1, 1785.11.2, and 1785.11.3 do not apply to a consumer credit reporting agency that acts only as a reseller of credit information pursuant to Section 1785.22 by assembling and merging information contained in the data base of another consumer cr

Civil Code - CIV - CIV § 1785.11.6

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.6

The following entities are not required to place in a credit report either a security alert, pursuant to Section 1785.11.1, or a security freeze, pursuant to Section 1785.11.2: (a) A check services or fraud prevention services company, which issues reports on incidents of fraud o

Civil Code - CIV - CIV § 1785.11.8

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.8

A consumer may elect that his or her name shall be removed from any list that a consumer credit reporting agency furnishes for credit card solicitations, by notifying the consumer credit reporting agency, by telephone or in writing, pursuant to the notification system maintained

Civil Code - CIV - CIV § 1785.11.9

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 1785.11.9

For purposes of Sections 1785.11.10 and 1785.11.11, the following terms shall have the following meanings: (a) “Protected consumer” means an individual who is any of the following: (1) Under 16 years of age at the time a request for the placement of a security freeze is made. (2)