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Civil Code - CIV - CIV § 2957

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2957

The following definitions shall apply for the purposes of this article: (a) “Arranger of credit” means: (1) A person, other than a party to the credit transaction (except as provided in paragraph (2)), who is involved in developing or negotiating credit terms, participates in the

Civil Code - CIV - CIV § 2958

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2958

A disclosure is not required under this article, to a purchaser when that purchaser is entitled to receive, a disclosure pursuant to the Federal Truth-In-Lending Act (15 U.S. Code 1604, as amended), the Real Estate Settlement Procedures Act (12 U.S. Code 2601, as amended), or Sec

Civil Code - CIV - CIV § 2959

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2959

The disclosures required by this article shall be made as soon as practicable, but before execution of any note or security documents. If any disclosure is made after the execution of credit documents by the purchaser, such documents shall be contingent on the purchaser’s approva

Civil Code - CIV - CIV § 2960

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2960

If information disclosed in accordance with this article is subsequently rendered inaccurate as a result of any act, occurrence, or agreement between the parties to the transaction subsequent to the delivery of the required disclosures, the inaccuracy resulting therefrom shall no

Civil Code - CIV - CIV § 2961

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2961

Every disclosure required by this article and every act which is to be performed in making that disclosure shall be made in good faith. For the purposes of this article, “good faith” means honesty in fact in the conduct of the transaction.

Civil Code - CIV - CIV § 2962

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2962

Any disclosure made pursuant to this article may be amended in writing by the person making the disclosure, provided that any amendment shall be subject to the provisions of Section 2959.

Civil Code - CIV - CIV § 2963

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2963

The disclosures required to both purchaser and vendor by this article are: (a) An identification of the note or other credit documents or security documents and of the property which is the security for the transaction. (b) A description of the terms of the promissory note or oth

Civil Code - CIV - CIV § 2964

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2964

The specification of items for disclosure in this article does not limit or abridge any obligation for disclosure created by any other provision of law or which may exist in order to avoid fraud, misrepresentation, or deceit in the transaction.

Civil Code - CIV - CIV § 2965

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2965

The validity of any credit document or of any security document subject to the provisions of this article shall not be invalidated solely because of the failure of any person to comply with this article. However, any person who willfully violates any provision of this article sha

Civil Code - CIV - CIV § 2966

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2966

(a) In a transaction regulated by this article, which includes a balloon payment note when the term for repayment is for a period in excess of one year, the holder of the note shall, not less than 90 nor more than 150 days before the balloon payment is due, deliver or mail by fir

Civil Code - CIV - CIV § 2967

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2967

Any action arising under this article may be brought within two years from the date on which the liability arises, except that where any material disclosure under this article has been materially and willfully misrepresented, the action may be brought within two years of discover

Civil Code - CIV - CIV § 2968

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2968

(a) For purposes of this article, the following definitions apply: (1) “Mortgage servicer” has the same meaning as defined in subdivision (a) of Section 2920.5. (2) “Property” means residential real property that is improved by four or fewer residential dwelling units, affixed mo

Civil Code - CIV - CIV § 2970

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2970

For purposes of this chapter “home equity loan” means any open end consumer credit plan in which a consensual security interest is created or retained against the consumer’s dwelling.

Civil Code - CIV - CIV § 2971

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2971

(a) At the time that a customer makes an initial application to a creditor for a home equity loan in person, or within three business days if the customer applies by mail or telephone, the creditor shall provide the applicant with a disclosure in either of the following forms: (1

Civil Code - CIV - CIV § 2981

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2981

As used in this chapter, unless the context otherwise requires: (a) “Conditional sale contract” means: (1) A contract for the sale of a motor vehicle between a buyer and a seller, with or without accessories, under which possession is delivered to the buyer and either of the foll

Civil Code - CIV - CIV § 2981.5

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2981.5

A contract for the bailment or leasing of a motor vehicle, with or without accessories, which establishes the maximum for which a bailee or lessee could be held liable at the end of the lease or bailment period, or upon an earlier termination, by reference to the value of the veh

Civil Code - CIV - CIV § 2981.7

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2981.7

All contracts entered into between a buyer and a seller on or after January 1, 1983, shall provide for the calculation of the finance charge contemplated by item (A) of paragraph (1) of subdivision (j) of Section 2982 on the simple-interest basis, if the date on which the final i

Civil Code - CIV - CIV § 2981.8

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2981.8

No contract shall provide for a finance charge which is determined in part by the precomputed basis and in part by the simple-interest basis except for any finance charge permitted by subdivisions (a) and (c) of Section 2982.8.

Civil Code - CIV - CIV § 2981.9

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2981.9

Every conditional sale contract subject to this chapter shall be in writing and, if printed, shall be printed in type no smaller than 6-point, and shall contain in a single document all of the agreements of the buyer and seller with respect to the total cost and the terms of paym

Civil Code - CIV - CIV § 2982

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2982

A conditional sale contract subject to this chapter shall contain the disclosures required by Regulation Z, whether or not Regulation Z applies to the transaction. In addition, to the extent applicable, the contract shall contain the other disclosures and notices required by, and

Civil Code - CIV - CIV § 2982.1

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2982.1

It shall be unlawful for any seller to induce or attempt to induce any person to enter into a contract subject to this chapter by offering a rebate, discount, commission, or other consideration, contingent upon the happening of a future event, on the condition that the buyer eith

Civil Code - CIV - CIV § 2982.10

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2982.10

(a) In consideration of the assignment of a conditional sale contract, the seller shall not receive or accept from the assignee any payment or credit based upon any amount collected or received, or to be collected or received, under the contract as a finance charge except to the

Civil Code - CIV - CIV § 2982.11

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2982.11

(a) Prior to the execution of a conditional sale contract that includes a charge for an electric vehicle charging station, the seller shall provide the buyer with, and obtain the buyer’s signature on, a written disclosure that includes a description and price of each of the follo

Civil Code - CIV - CIV § 2982.12

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2982.12

(a) (1) A guaranteed asset protection waiver may be offered, sold, or provided to a buyer, or administered, in connection with a conditional sale contract subject to this chapter only in compliance with this chapter and paragraph (2) of subdivision (h) of Section 1758.992 of the

Civil Code - CIV - CIV § 2982.2

statute | California | California Legislative Counsel

Civil Code - CIV - CIV § 2982.2

(a) Prior to the execution of a conditional sale contract, the seller shall provide to a buyer, and obtain the buyer’s signature on, a written disclosure that sets forth the following information: (1) (A) A description and the price of each item sold if the contract includes a ch