{"data":{"id":"us-ca/civ-1802.12","jurisdiction":"us-ca","citation":"CIV § 1802.12","heading":"","body":"“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.","path":["Civil Code - CIV","DIVISION 3. OBLIGATIONS [1427. - 3273.91.]","PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS [1738. - 3273.91.]","TITLE 2. CREDIT SALES [1801. - 1812.35.]","CHAPTER 1. Retail Installment Sales [1801. - 1812.20.]","ARTICLE 2. Definitions [1802. - 1802.21.]"],"source_url":"https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zip","current_through":"2026-09-13","vintage":"","retrieved_at":"2026-09-14T05:56:33Z","sha256":"9b7fe62a911c27f412ff1d73f5b7b15705126b47587011a11512425da316c16d","source_id":"us-ca","stale":false,"prev":"us-ca/civ-1802.11","next":"us-ca/civ-1802.13"},"notice":"GroundRules: Original legal text. Not legal advice."}