{"code":"FIN","codeName":"Financial Code","section":"22200","citation":"Fin. Code, § 22200","status":"in-force","lawOn":"2026-09-28","headings":[{"name":"DIVISION 9. CALIFORNIA FINANCING LAW [22000. - 22780.1.]","url":"https://blackletter.si/financial-code/division-9"},{"name":"CHAPTER 2. Consumer Loans [22200. - 22470.]","url":"https://blackletter.si/financial-code/division-9/chapter-2"},{"name":"ARTICLE 1. Definitions [22200. - 22204.]","url":"https://blackletter.si/financial-code/division-9/chapter-2/article-1"}],"history":"Repealed and added by Stats. 1994, Ch. 1115, Sec. 2.   Effective January 1, 1995.   Operative July 1, 1995, by Sec. 5 of Ch. 1115.","effective":"1995-01-01","html":"<p>“Charges” include the aggregate interest, fees, bonuses, commissions, brokerage, discounts, expenses, and other forms of costs charged, contracted for, or received by a licensee or any other person in connection with the investigating, arranging, negotiating, procuring, guaranteeing, making, servicing, collecting, and enforcing of a loan or forbearance of money, credit, goods, or things in action, or any other service rendered.</p>","text":"“Charges” include the aggregate interest, fees, bonuses, commissions, brokerage, discounts, expenses, and other forms of costs charged, contracted for, or received by a licensee or any other person in connection with the investigating, arranging, negotiating, procuring, guaranteeing, making, servicing, collecting, and enforcing of a loan or forbearance of money, credit, goods, or things in action, or any other service rendered.","otherVersions":[],"url":"https://blackletter.si/financial-code/definitions-22200","source":"California Legislative Information bulk export (pubinfo)"}