CALIFORNIA FINANCIAL CODE
TABLE OF CONTENTS
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
Article 2. Commissioner of Financial Institutions ............... 210-217
Article 3. Deputies and Employees ............................... 230-235
Article 4. Administration of Department ......................... 250-263
Article 4.5. Financial Institutions Fund ......................... 265
Article 5. State Banking Account ................................ 270-277
CHAPTER 3. ORGANIZATION OF BANKS
Article 1. General .............................................. 350-351
Article 2. Application .......................................... 360-363
Article 4. Authorization to Engage in Banking ................... 399-407
Article 5. Location of Head Office .............................. 419-421
CHAPTER 4. BRANCH OFFICES, OTHER PLACES OF BUSINESS, AND
AUTOMATED TELLER MACHINES
Article 1. Exemptions ............................................ 490
Article 2. Branches ............................................. 500-512
Article 3. Other Places of Business ............................. 540-547
Article 4. Automated Teller Machine Branch Offices .............. 550-559
Article 5. Automated Teller Machine Networks .................... 560-561
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. POWERS AND MISCELLANEOUS PROVISIONS ................... 750-782
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 2. Loan Limits ........................................ 1220-1238
Article 4. Investments ........................................ 1335-1338
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 ............................................ 1580-1591
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. TRANSMISSION OF MONEY ABROAD ....................... 1800-1827
CHAPTER 14A. TRAVELERS CHECKS
Article 1. General Provisions .............................. 1851-1852.3
Article 2. Prohibitions .................................... 1853-1854.1
Article 3. Application for License ........................... 1855-1856
Article 4. Granting and Renewal of Licenses .................. 1857-1860
Article 5. Obligations of Licensees .......................... 1862-1876
Article 5.1. Eligible Securities ........................ 1876.1-1876.12
Article 6. Examinations ......................................... 1877
Article 7. Enforcement ....................................... 1880-1897
CHAPTER 15. EXAMINATIONS AND REPORTS
Article 1. Examinations ....................................... 1900-1917
Article 2. Reports ............................................ 1930-1945
Article 3. Accounting ......................................... 1951-1952
CHAPTER 17. LIQUIDATION, CONSERVATORSHIP, REORGANIZATION, AND
DISSOLUTION
Article 1. Liquidation by the Commissioner .................... 3100-3132
Article 2. Voluntary Liquidation ................................. 3150
Article 3. Disposal of Unclaimed Trust Property ............... 3160-3162
Article 4. Conservatorship .................................... 3180-3187
Article 5. Reorganization ..................................... 3200-3204
Article 6. Liquidation of Insured Banks ....................... 3220-3225
Article 7. Priorities ............................................ 3240
CHAPTER 18. PROHIBITED PRACTICES AND PENALTIES
Article 1. Miscellaneous Offenses ............................. 3350-3369
Article 2. Loans to Insiders .................................. 3370-3376
Article 3. Banking Business by Unauthorized Persons ........... 3390-3397
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 .......................... 3820-3827
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 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 .............................. 12300-12331
CHAPTER 5. REVOCATION OF LICENSES ............................ 12400-12403
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 .......................................... 14200-14211
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 .......................................... 14950-14959
Article 2. Maximum Charges and Fees .............................. 15001
Article 3. Loans to Directors, Officers and Committee Members 15050-15051
Article 4. Limitations ...................................... 15100-15102
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 ................................ 17400-17424
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 ........................ 17700-17702
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 ...................................... 22000-22011
Article 2. Exemptions ....................................... 22050-22064
Article 3. Licensing ........................................ 22100-22112
Article 4. Regulations ...................................... 22150-22167
CHAPTER 2. CONSUMER LOANS
Article 1. Definitions ...................................... 22200-22204
Article 2. Exemptions ....................................... 22250-22251
Article 3. Loan Regulations ................................. 22300-22342
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 .......................... 22750-22754
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 ..................... 23035-23037
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 ........................................... 30200-30217
CHAPTER 3. REVOCATION OF LICENSE ............................. 30600-30608
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 11. ENFORCEMENT ...................................... 31700-31713
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 1. Office of Management Services
Article 2. Alternative Energy Research
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 16. PAYMENT INSTRUMENTS
CHAPTER 1. GENERAL PROVISIONS
Article 1. Short Title, Construction, and Severability ...... 33000-33007
Article 2. Legislative Findings and Purposes ................ 33020-33021
Article 3. Definitions ...................................... 33040-33065
CHAPTER 2. EXEMPTIONS ........................................ 33100-33102
CHAPTER 3. ADMINISTRATION
Article 1. General Provisions ............................... 33200-33209
Article 2. Applications and Reports ......................... 33220-33224
Article 3. Adequacy of Shareholders' Equity ...................... 33240
Article 4. Service of Process ............................... 33260-33262
Article 5. Agreements With Superintendent ........................ 33280
Article 6. Fees and Assessments ............................. 33300-33302
Article 7. Administration of Certain Provisions
CHAPTER 4. LICENSING ......................................... 33400-33408
CHAPTER 5. LICENSEES
Article 1. General Provisions ............................... 33500-33502
Article 2. Sale of Payment Instruments ...................... 33520-33525
Article 3. Eligible Securities .............................. 33560-33570
Article 4. Fidelity Bonds ................................... 33600-33604
CHAPTER 6. AGENTS OF LICENSEES
Article 1. General Provisions ............................... 33700-33701
Article 2. Proceeds From Sales of Payment Instruments ....... 33720-33725
Article 3. Reporting ........................................ 33730-33733
Article 4. Remitting ........................................ 33740-33743
Article 5. Registration
Article 6. Termination ...................................... 33780-33785
CHAPTER 7. RECORDS, REPORTS, AND EXAMINATIONS ................ 33900-33903
CHAPTER 8. VOLUNTARY SURRENDER OF LICENSE .................... 34000-34001
CHAPTER 9. ENFORCEMENT ....................................... 34100-34115
CHAPTER 10. CRIMINAL PENALTIES ............................... 34200-34201
CHAPTER 11. CIVIL PENALTIES .................................. 34300-34301
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 4. FINANCIAL CONDITION, TRANSACTION AND BOND
REQUIREMENTS ...................................... 50200-50208
CHAPTER 5. ADMINISTRATION AND POWERS OF THE COMMISSIONER ..... 50301-50332
CHAPTER 6. ASSESSMENTS ....................................... 50400-50402
CHAPTER 7. PROHIBITED PRACTICES AND PENALTIES ................ 50500-50510
CHAPTER 8. OPERATION OF DIVISION ............................. 50601-50602
CHAPTER 9. BROKERAGE SERVICES FOR BORROWERS .................. 50700-50706