{"data":{"id":"us-ca/fin-22802","jurisdiction":"us-ca","citation":"FIN § 22802","heading":"","body":"(a) A provider subject to this division shall disclose all of the information in subdivision (b) or in Section 22803, if applicable, to a recipient at the time of extending a specific commercial financing offer to that recipient, and shall obtain the recipient’s signature on the disclosure before consummating the commercial financing transaction.\n(b) Except as provided in Section 22803, a provider subject to this division shall disclose all of the following:\n(1) The total amount of funds provided.\n(2) The total dollar cost of the financing.\n(3) The term or estimated term.\n(4) The method, frequency, and amount of payments.\n(5) A description of prepayment policies.\n(6) The total cost of the financing expressed as an annualized rate.","path":["Financial Code - FIN","DIVISION 9.5. Commercial Financing Disclosures [22800. - 22807.]"],"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":"2d1e84ba477766faa459311a783bd3cbe3281a66373236fe0094652d0db4b598","source_id":"us-ca","stale":false,"prev":"us-ca/fin-22801","next":"us-ca/fin-22803"},"notice":"GroundRules: Original legal text. Not legal advice."}