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Civil Code - CIV - CIV § 1802.11
Civil Code - CIV - CIV § 1802.11
(a) “Amount financed” means the amount required to be disclosed pursuant to paragraph (7) of subdivision (c) of Section 1803.3. (b) “Unpaid balance” means the cash price of the goods or services which are the subject matter of the retail installment sale, plus the amounts, if any
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Civil Code - CIV - CIV § 1802.12
Civil Code - CIV - CIV § 1802.12
“Total of payments” means the amount required to be disclosed pursuant to subdivision (h) of Section 226.18 of Regulation Z. The term includes any portion of the downpayment deferred until not later than the second otherwise scheduled payment and which is not subject to a finance
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Civil Code - CIV - CIV § 1802.13
Civil Code - CIV - CIV § 1802.13
“Holder” means the retail seller who acquires a retail installment contract or installment account executed, incurred or entered into by a retail buyer, or if the contract or installment account is purchased by a financing agency or other assignee, the financing agency or other a
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Civil Code - CIV - CIV § 1802.14
Civil Code - CIV - CIV § 1802.14
“Official fees” means the fees required by law and actually to be paid to the appropriate public officer to perfect a lien or other security interest, on or in goods, retained or taken by a seller under a retail installment contract or installment account, and license, certificat
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Civil Code - CIV - CIV § 1802.15
Civil Code - CIV - CIV § 1802.15
“Person” means an individual, partnership, corporation, limited liability company, association or other group, however organized.
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Civil Code - CIV - CIV § 1802.16
Civil Code - CIV - CIV § 1802.16
“Financing agency” means a person engaged in this State in whole or in part in the business of purchasing retail installment contracts, or installment accounts from one or more retail sellers. The term includes but is not limited to a bank, trust company, private banker, or inves
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Civil Code - CIV - CIV § 1802.17
Civil Code - CIV - CIV § 1802.17
“Billing cycle” means the time interval between regular monthly billing statement dates.
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Civil Code - CIV - CIV § 1802.18
Civil Code - CIV - CIV § 1802.18
“Regulation Z” means any rule, regulation, or interpretation promulgated by the Board of Governors of the Federal Reserve System (“Board”) under the Federal Truth in Lending Act, as amended (15 U.S.C. 1601, et seq.), and any interpretation or approval issued by an official or emp
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Civil Code - CIV - CIV § 1802.19
Civil Code - CIV - CIV § 1802.19
(a) For the purposes of this chapter, a retail installment contract, contract, retail installment account, installment account, or revolving account shall be deemed to have been made in this state and, therefore, subject to the provisions of this chapter, if either the seller off
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Civil Code - CIV - CIV § 1802.2
Civil Code - CIV - CIV § 1802.2
“Services” means work, labor and services, for other than a commercial or business use, including services furnished in connection with the sale or repair of goods as defined in Section 1802.1 or furnished in connection with the repair of motor vehicles (except for service contra
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Civil Code - CIV - CIV § 1802.20
Civil Code - CIV - CIV § 1802.20
“Simple-interest basis” means the determination of a finance charge, other than an administrative finance charge, by applying a constant rate to the unpaid balance as it changes from time to time, either: (a) Calculated on the basis of a 365-day year and actual days elapsed (alth
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Civil Code - CIV - CIV § 1802.21
Civil Code - CIV - CIV § 1802.21
“Precomputed basis” means the determination of a finance charge by multiplying the original unpaid balance of the contract by a rate and multiplying that product by the number of payment periods elapsing between the date on which the finance charge begins to be assessed and the d
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Civil Code - CIV - CIV § 1802.3
Civil Code - CIV - CIV § 1802.3
“Retail seller” or “seller” means a person engaged in the business of selling goods or furnishing services to retail buyers.
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Civil Code - CIV - CIV § 1802.4
Civil Code - CIV - CIV § 1802.4
“Retail buyer” or “buyer” means a person who buys goods or obtains services from a retail seller in a retail installment sale and not principally for the purpose of resale.
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Civil Code - CIV - CIV § 1802.5
Civil Code - CIV - CIV § 1802.5
“Retail installment sale” or “sale” means the sale of goods or the furnishing of services by a retail seller to a retail buyer for a deferred payment price payable in installments.
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Civil Code - CIV - CIV § 1802.6
Civil Code - CIV - CIV § 1802.6
“Retail installment contract” or “contract” means any contract for a retail installment sale between a buyer and seller, entered into or performed in this state, which provides for (a) repayment in installments, whether or not such contract contains a title retention provision, a
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Civil Code - CIV - CIV § 1802.7
Civil Code - CIV - CIV § 1802.7
“Retail installment account” or “installment account” or “revolving account” means an account established by an agreement entered into in this state, pursuant to which the buyer promises to pay, in installments, to a retail seller, his outstanding balance incurred in retail insta
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Civil Code - CIV - CIV § 1802.8
Civil Code - CIV - CIV § 1802.8
“Cash price” means the cash price stated in a retail installment contract for which the seller would sell or furnish to the buyer and the buyer would buy or obtain from the seller the goods or services which are the subject matter of a retail installment contract if the sale were
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Civil Code - CIV - CIV § 1802.9
Civil Code - CIV - CIV § 1802.9
“Total sale price” means the total of the cash price of the goods or services, the amounts, if any, included for insurance, official fees, and the finance charge.
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Civil Code - CIV - CIV § 1803.1
Civil Code - CIV - CIV § 1803.1
A retail installment contract shall be dated and in writing; the printed portion thereof shall be in at least eight-point type.
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Civil Code - CIV - CIV § 1803.10
Civil Code - CIV - CIV § 1803.10
It shall be unlawful for any seller to induce or attempt to induce any person to enter into a contract subject to this act by offering a rebate, discount, commission, or other consideration, contingent upon the happening of a future event, on the condition that the buyer either s
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Civil Code - CIV - CIV § 1803.11
Civil Code - CIV - CIV § 1803.11
It shall be unlawful for any seller to solicit buyers, in any advertisement, to enter into a retail installment contract with it if the seller does not intend to sell that retail installment contract to a financing agency or other assignee, unless the advertisement clearly states
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Civil Code - CIV - CIV § 1803.2
Civil Code - CIV - CIV § 1803.2
Except as provided in Section 1808.3, every retail installment contract shall be contained in a single document that shall contain: (a) The entire agreement of the parties with respect to the cost and terms of payment for the goods and services, including any promissory notes or
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Civil Code - CIV - CIV § 1803.3
Civil Code - CIV - CIV § 1803.3
Except as provided in Article 8 (commencing with Section 1808.1) of this chapter, a contract shall contain the following: (a) The names of the seller and the buyer, the place of business of the seller, the residence or place of business of the buyer as specified by the buyer and
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Civil Code - CIV - CIV § 1803.4
Civil Code - CIV - CIV § 1803.4
The seller shall not obtain the signature of the buyer to a contract when it contains blank spaces to be filled in after it has been signed.