{"code":"CIV","codeName":"Civil Code","section":"1802.12","citation":"Civ. Code, § 1802.12","status":"in-force","lawOn":"2026-09-28","headings":[{"name":"DIVISION 3. OBLIGATIONS [1427. - 3273.91.]","url":"https://blackletter.si/civil-code/division-3"},{"name":"PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS [1738. - 3273.91.]","url":"https://blackletter.si/civil-code/division-3/part-4"},{"name":"TITLE 2. CREDIT SALES [1801. - 1812.35.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-2"},{"name":"CHAPTER 1. Retail Installment Sales [1801. - 1812.20.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-2/chapter-1"},{"name":"ARTICLE 2. Definitions [1802. - 1802.21.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-2/chapter-1/article-2"}],"history":"Amended by Stats. 1981, Ch. 1075, Sec. 5.   Operative October 1, 1982, or sooner, by Sec. 25 of Ch. 1075, as amended by Stats. 1982, Ch. 129, Sec. 12.","effective":null,"html":"<p>“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 charge.</p>","text":"“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 charge.","otherVersions":[],"url":"https://blackletter.si/civil-code/definitions-1802-12","source":"California Legislative Information bulk export (pubinfo)"}