{"code":"FIN","codeName":"Financial Code","section":"22801","citation":"Fin. Code, § 22801","status":"in-force","lawOn":"2026-09-28","headings":[{"name":"DIVISION 9.5. Commercial Financing Disclosures [22800. - 22807.]","url":"https://blackletter.si/financial-code/division-9.5"}],"history":"Added by Stats. 2018, Ch. 1011, Sec. 2.   (SB 1235)   Effective January 1, 2019.","effective":"2019-01-01","html":"<p>This division does not apply to any of the following:</p><p>(a) A provider that is a depository institution.</p><p>(b) A provider that is a lender regulated under the federal Farm Credit Act (12 U.S.C. Sec. 2001 et seq.).</p><p>(c) A commercial financing transaction secured by real property.</p><p>(d) A commercial financing transaction in which the recipient is a dealer, as defined by Section <a href=\"/veh/285\">285</a> of the Vehicle Code, or an affiliate of such a dealer, or a vehicle rental company, or an affiliate of such a company, pursuant to a specific commercial financing offer or commercial open-end credit plan of at least fifty thousand dollars ($50,000), including any commercial loan made pursuant to such a commercial financing transaction.</p><p>(e) Any person who makes no more than one commercial financing transaction in California in a 12-month period or any person who makes five or fewer commercial financing transactions in California in a 12-month period that are incidental to the business of the person relying upon the exemption.</p>","text":"This division does not apply to any of the following: (a) A provider that is a depository institution. (b) A provider that is a lender regulated under the federal Farm Credit Act (12 U.S.C. Sec. 2001 et seq.). (c) A commercial financing transaction secured by real property. (d) A commercial financing transaction in which the recipient is a dealer, as defined by Section 285 of the Vehicle Code, or an affiliate of such a dealer, or a vehicle rental company, or an affiliate of such a company, pursuant to a specific commercial financing offer or commercial open-end credit plan of at least fifty thousand dollars ($50,000), including any commercial loan made pursuant to such a commercial financing transaction. (e) Any person who makes no more than one commercial financing transaction in California in a 12-month period or any person who makes five or fewer commercial financing transactions in California in a 12-month period that are incidental to the business of the person relying upon the exemption.","otherVersions":[],"url":"https://blackletter.si/financial-code/commercial-financing-disclosures-22801","source":"California Legislative Information bulk export (pubinfo)"}