Legal Guide M-1 Checklist of Significant California and Federal Consumer Laws (August 2010)

ABANDONMENT, ANIMALS – CC 1834.4-1834.7

ADVERTISING (see also Misrepresentation)

• Legal Guide Bait and Switch – B&P 17500, CC 1770(a)(9),(a)(10), 16 CFR Part 238
• Business Address Disclosure – B&P 17538.5
• Charitable Solicitations – B&P 17510 et seq. (includes on the internet)
• Comparisons/Substantiation – B&P 17508
• Credit Terms – B&P 17538.7
• Door-to-Door Sales (see Door-to-Door Sales)
• Environmental Claims – B&P 17580 et seq., 16 CFR Part 260
• False/Misleading – B&P 17500, 15 USC 45
• Limit on Quantity (Unadvertised) – B&P 17500.5, CC 1770(a)(10)
• Manufacturer’s Rebate – B&P 17701.5
• Multiple Articles – B&P 17504, 17507, 17509 (includes internet)
• Ownership/Control (Misrepresentation) – B&P 17505, CC 1770(a)(1)
• Repair – CC 1770(a)(15)
• Telephonic Solicitations (see Telephone Sales)
• Television Picture Tubes (see Television)
• Toys (see Toys)
• Used/Defective Goods/Seconds – B&P 17531 (includes internet), CC 1770(a)(6), (a)(7)
• Worth/Value/Former Price – B&P 17501, CC 1770(a)(13)

APPLIANCES

• Labeling – B&P 22410 et seq.
• Repair – B&P 9800 et seq.

ART, FINE (Consignment) – CC 1738 et seq.

“AS IS” SALES

• Defined – CC 1791.3
• Implied Warranty – CC 1792.4, 1792.5, Com. Code 2316
• Used Vehicles – 16 CFR 455.2

ATTACHMENT LAW – CCP 481 et seq.

ATTORNEYS

• Advertising – B&P 6157 et seq.
  • General Provisions – B&P 6157.4
  • Immigration and Naturalization Services– B&P 6157.5
  • Prohibited Statements – B&P 6157.1, 6157.2, 6158.1
  • Electronic Media Compliance – B&P 6158 – 6158.4
  • Complaints/Discipline – B&P 6158.4, 6158.7, 6159
• Fee Agreements – B&P 6146 et seq.
• Fees – CC 1717, 1717.5
• Generally – B&P 6000 et seq., California Rules of Professional Conduct.
• Unlawful Practice – B&P 6125 et seq.

Legal Guide M-1 for AUTOMOBILES

• Certification of Non-Operation – VC 4604, 4604.2
• Conditional Sale Contracts (see also Automobile Sales Finance Act) – CC 2981 et seq.
• Financing, Dealer Assisted – CC 2982.5
• Leasing (see also Vehicle Leasing Act) – CC 2985.7 et seq., 15 USC 1667 et seq., 12 CFR Part 213
• Parking Lots (see Bailments)
• Lemon Law – CC 1793.22-1793.25
• Odometer Provisions – VC 11713(n), 28050 et seq., 49 USC 32701-32705, 32709, 32710, 49 CFR Part 580
• Repair Act – B&P 9880 et seq.
• Smog Certificate Upon Transfer – VC 5751.5, 24007(b)
• Rentals – CC 1936 et seq.
• Subleasing – CC 3343.5, PC 570 et seq.
• Warranties (see Warranties)
• Warranty Adjustment Program – CC 1795.90 et seq.

AUTOMOBILE DEALERS

• Advertising – VC 11713, 11713.1, 13 CCR 260.00
• Consignment Sales – VC 11729 et seq.
• Licensing and Responsibilities- VC 11700 et seq.
• Salespeople – VC 11800 et seq.

AUTOMOBILE SALES FINANCE ACT (Rees-Levering Act) – CC 2981-2984.5

• Acceleration – CC 2983.3
• Buyer Unable to Obtain Financing – CC 2982.9
• Buyer’s Claims and Defenses – CC 2983.7(a)
• Buyer’s Remedies – CC 2982.7, 2983, 2983.1, 2984
• Change in Contract Terms, Notice Of – CC 2982(h)
• Contents of Conditional Sale Contract – CC 2981.9, 2982
• “Cooling Off” Period – CC 2982(r)
• Deficiency Judgment – CC 2983.8
• Prohibited Contractual Provisions – CC 2983.7
• Rescission – CC 1689, 2982.9, 2983, 2983.1
• Refund of Down payment – CC 2982.5 2982.7, 2982.9
• Reinstatement/Redemption – CC 2983.2, 2983.3
• Repossession/Disposition – CC 2983.2, 2983.3
• “Supervised Financial Organizations” – CC 2982.5
• Venue – CC 2984.4

AUTOMATED CHECKOUT SYSTEMS, GROCERY – CC 7100 et seq.

AUTOMATIC DIALING MACHINES (ROBOCALLS) – CC 1770(a)(22), B&P 17363.5, PUC 2871 et seq., 16 CFR Part 3110

BAD CHECK LAW – CC 1719, PC 476a

BAILMENTS – CC 1813, 1818, 1822-1828

Parking Lot (Disclaimer of Liability) – CC 1630, 1630.5

BAIT AND SWITCH – B&P 17500 (includes internet), CC 1770(a)(9),(a)(10), 16 CFR Part 238

BILLS (INVOICE), False – CC 1716, 39 USC 3001(d)

BOAT REPAIRS – Harb. & Nav. Code 410 et seq.

BUSINESS

• Street Address and Legal Name (Disclosure) – B&P 17538.5
• Business Records (Privacy of Client Information) – CC 1799 et seq.
  • Prohibited Disclosures – CC 1799.1, 1799.1a
  • Remedies – CC 1799.2

BUYING SERVICE (Discount) – CC 1812.100 et seq.

Legal Guide M-1 for CALIFORNIA FINANCE LENDERS LAW – FC 22000 et seq.

• Definitions – FC 22000 et seq.
• Exemptions – FC 22050 et seq.
• Licensing – FC 22100 et seq.
• Regulations – FC 22150 et seq.
• Consumer Loans – FC 22200 et seq.
• Revocation and Penalties – FC 22700 et seq.

CAMPGROUND MEMBERSHIP CONTRACTS – CC 1812.300 et seq.

• Contract Cancellation – CC 1812.303(b), 1812.304, 1812.314(c)
• Contract Requirements – CC 1812.303,
• Remedies – CC 1812.306

CELLULAR TELEPHONES

• Do Not Call List – B&P 17590 et seq., 16 CFR Part 310
• Telephone Number Directory – PUC 2891.1
• Unsolicited Text Ads – B&P 17538.41

CHAIN LETTERS – PC 327, CC 1689.2

CHARGE CARD DISCLOSURES – CC 1748.20 et seq.

CHARITABLE SOLICITATIONS – B&P 17510 et seq.

CHECK CASHERS – CC 1789.30 et seq.

• Limits on Fees – CC 1789.35
• Remedies – CC 1789.35(g)

Legal Guide M-1 for CHECKS

• Accord and Satisfaction – Com. Code 3311
• Bad Check Law CC 1719, PC 476a
• Defenses to Payment – Com. Code 3305
• Postdated – B&P 17538.6, Com. Code 4401
• Presumption of Payment – Evid. Code 670
• Simulated B&P 17539.1(a)(13), 22433
• Stop Payment – CC 1719(b), Com. Code 4403
• Treble Damages (Insufficient Funds) – CC 1719
• Unauthorized Signature – Com. Code 4406
• Wrongful Dishonor – Com. Code 4402

CIVIL LIABILITY FOR PETTY THEFT – PC 490.5(b)-(c)

COMPUTER SPYWARE – B&P 22947 et seq.

CONFIDENTIALITY OF MEDICAL INFORMATION ACT – CC 56 et seq.

CONSUMER AFFAIRS ACT – B&P 300 et seq.

• Complaints – B&P 325, 326

CONSUMER CONTRACT AWARENESS ACT – CC 1799.200 et seq.

Legal Guide M-1 in CONSUMER CREDIT

• Credit Card Disclosures – CC 1748.10 et seq.
• Contracts – CC 1799.90 et seq.
• Cosigners – CC 1799.91, 1799.101, 1799.102, 16 CFR 444.1(k), 444.3
• Credit Reporting Agencies Act – CC 1785.1 et seq.
• Denial – CC 1787.1 et seq.
• Investigative Consumer Reporting Agencies – CC 1786 et seq.
• Marital Status – CC 1812.30 et seq.
• Purchase of Goods and Services (see Automobile Sales Finance Act and
  Unruh Act)

CONSUMER LEASING ACT – 15 USC 1667 et seq., 12 CFR Part 213

CONSUMER LEGAL REMEDIES ACT – CC 1750 et seq.

CONSUMER LOANS (see Lenders)
CONTEST OPERATIONS – B&P 17539-17539.3

• Definitions – B&P 17539.3, 17539.5
• Disclosures – B&P 17539.2
• Disclosure of Intent to Make a Sales Presentation – B&P 17533.8
• Sweepstakes Entries – B&P 17533.15
• Unfair Acts – B&P 17539.1

CONSUMER PRIVACY PROTECTION – 1798.91 et seq.

CONSUMER RECORDS – 1798.80 et seq.

• Obligation to Dispose of Properly – CC 1798.81

Legal Guide M-1 for CONTRACTORS’ STATE LICENSE LAW – B&P 7000 et seq.

• Arbitration of Complaints – B&P 7085 et seq.
• Documents Requiring License Number – B&P 7030.5
• Exemptions – B&P 7040 et seq.
• Fraud – B&P 7116
• Home Improvement Contracts (see Home Improvement Contracts) – B&P 7150 et seq.
• License Required – B&P 7028, 7028.16
  • License required to bring lawsuit – B&P 7031
• Swimming Pool Construction Contracts – B&P 7165 et seq.
• Unlicensed Activity – B&P 7031, CCP 1029.8
• Void/Unenforceable Contract Terms – B&P 7034

M-1 for CONTRACTS – CC 1549 et seq.

• Awareness Act, Consumer Contract – CC 1799.200 et seq.
• Cancellation
  • Home Solicitation Sales – CC 1689.5 et seq.
    • Cooling Off Period – CC 1689.6, 16 CFR 429.1
  • Rescission – CC 1689
  • Telephone Sales – B&P 17511.5(e)
• Duress defined – CC 1569
• Elements – CC 1565 Fraud – CC 1571-1574
• Liquidated Damages – CC 1671
• Menace defined – CC 1570
• Mistake – CC 1576-1579
• Language Translations – CC 1632, 1689.7
• Statute of Frauds (written contract required) – CC 1624, Com. Code 2201
• Unconscionable – CC 1670.5, 1770(a)(19)
• Undue Influence – CC 1575
• Unlawful – CC 1667 et seq.

COSMETICS (see Food, Drug and Cosmetic Law)

CO-SIGNORS (Consumer Credit Contracts) – CC 1799.91, 1799.101, 1799.102, 16
CFR 444.1(k), 444.3

COUPONS – B&P 17700 et seq.

CREDIT CARDS

• Address Change – CC 1799.1b(a)
• Areias Credit Card Full Disclosure Act – CC 1748.10 et seq.
• Billing Error – CC 1747.50, 1747.60, 12 CFR 226.13
• Cancellation – CC 1747.85
• Cardholder’s Claims and Defenses – CC 1747.90, 12 CFR 226.12(c)
• Credit CARD Act of 2009 – Public Law 111-24, 12 CFR 226
• Discrimination Prohibitions – CC 1747.80, 1812.30 et seq.
• Goods or Services Not Furnished – CC 1748.7
• Issuance to Married Women – CC 1747.81
• Late Charges – FC 4001
• Marketing Information (Use Of) – CC 1748.12
• Personal Identification – CC 1747.08
• Retail Installment Sales (Unruh Act) – CC 1801 et seq.
• Song-Beverly Credit Card Act – CC 1747 et seq.
• Surcharges/Cash Discounts – CC 1748, 1748.1
• Unauthorized Use – CC 1747.10, 12 CFR 226.12(b)

CREDIT REPAIR AGENCIES (Credit Service Organizations) – CC 1789.10 et seq., 15 USC 1679 et seq.

• Contract Cancellation – CC 1789.16(a),(b)
• Prohibited Conduct – CC 1789.13, 1789.17, 1789.19(a)

DAMAGES – CC 3281 et seq.

• Bad Checks (Treble Damages) – CC 1719
• Interest as Damages – CC 3287 et seq.
• Liquidated Damages – CC 1671
• Measure of Damages – CC 3300 et seq.
• Punitive Damages – CC 3294 et seq.
• Senior Citizens/Disabled Persons (Treble Damages for Fraud) – CC 1780(b), 3345

DANCE STUDIO CONTRACTS – CC 1812.50 et seq.

• Contract Cancellation – CC 1812.54(b)

DATING SERVICE CONTRACTS – CC 1694 et seq.

• Contract Cancellation – CC 1694.2
• Death or Disability of Buyer – CC 1694.3
• Relocation of Buyer – CC 1694.3(b)

DEBT COLLECTION PRACTICES – CC 1788 et seq. (Rosenthal Fair Debt Collection Practices Act, 15 USC 1692 et seq. (federal Fair Debt Collection Practices Act)

DECEPTIVE PRACTICES – B&P 17200 et seq., CC 1770

• Remedies – CC 1750 et seq.

DEFECTIVE PRODUCT (see Contracts and Warranty)

DEFICIENCY JUDGMENT NOT PERMITTED (Installment Sales) – CC 1812.5, 2983.8

DEPOSITS (Real Estate) – CC 1057.3, 1675 et seq.

DISABLED PERSONS (see Physically Disabled Persons)

DISASTERS

• Home Restoration/Repair – CC 1689.6(c), 1689.7(a)(3), 1689.13, 1689.14(a), B&P 7028.16, 7158, 7159.5, 7159.10, 7159.14, 7161
• Price Gouging – PC 396

DISCLAIMERS (see Exculpatory Clauses, Warranties)

DISCOUNT BUYING SERVICES – CC 1812.100 et seq.

• Contract Cancellation – CC 1812.118

DISCRIMINATION (Unlawful) – CC 51 et seq. (Unruh Civil Rights Act)

DOMESTIC SERVICES – CC 1812.5095

DOOR-TO-DOOR SALES

• Charitable Purpose – B&P 17510 et seq.
• Right to Cancel – CC 1689.5 et seq., 16 CFR 429.1
• Sales Purpose, Disclosure of – B&P 17500.3

DRUGS (see also Food, Drug and Cosmetic Law)

• Claimed Effect on Disorders – H&S 110403
• Prescription Records – B&P 4333

DRY CLEANERS/LAUNDRIES Lien – CC 3051 Sale – CC 3066

ELECTRONIC AND APPLIANCE REPAIR SERVICES – B&P 9800 et seq.

ELECTRONIC COMMERCE – CC 1789 et seq.

EMAIL ADVERTISEMENTS – B&P 17529 et seq., 15 USC 7701 et seq. (CAN SPAM
Act)

EMERGENCY RESPONSE UNIT (Cancellation Right) – CC 1689.6(b), 1689.7(a)(2)

EMPLOYMENT AGENCIES, JOB LISTING SERVICES, & EMPLOYMENT

• COUNSELORS – CC 1812.500 et seq.
  • Contract Cancellation
    • Employment Counseling – CC 1812.511(a)(6)
    • Job Listing – CC 1812.516(a)(6)
    • Nurses Registry – CC 1812.526(e)(2)

ENDLESS CHAINS (Pyramids) – PC 327, CC 1689.2

EXEMPLARY DAMAGES – CC 3294 et seq.

EXCULPATORY CLAUSES – CC 1668

EXPRESS WARRANTY (see Warranty)

FAIR DEBT COLLECTION PRACTICES ACT – CC 1788 et seq., 15 USC 1692 et seq.

FAIR PACKAGING AND LABELING ACT – B&P 12601 et seq.

FALSE/DECEPTIVE ADVERTISING/STATEMENTS – B&P 17500 et seq.

FAX UNSOLICITED ADVERTISEMENTS – B&P 17538.43, 47 USC 227 (“Junk Fax Prevention Act”)

FICTITIOUS BUSINESS NAMES – B&P 17900 et seq.

FINANCIAL INSTITUTIONS

• Fees – FC 4000 et seq.
• Financial Record Privacy – GC 7460 et seq., 12 USC 3401 et seq.
• Properly Payable Items – Com. Code 4401

FINE ART

• Consignment – CC 1738 et seq.
• Sale of – CC 1740 et seq.

FLOATING HOME RESIDENCY LAW – CC 800 et seq.

FOOD, DRUG AND COSMETIC LAW (Sherman Law) – H&S 109875 et seq.

• False Advertising – H&S 110390 et seq.
• Misleading Labeling or Advertising – H&S 110290, 110295
• Representation of Effect – H&S 110403

FORCIBLE ENTRY AND DETAINER – CCP 1159 et seq.

FORECLOSURE CONSULTANTS – CC 2945 et seq.

• Contract Cancellation – CC 2945.2

FOREIGN-MADE GOODS MARKED “MADE IN USA” – B&P 17533.7

FORMER PRICE – B&P 17501, CC 1770(a)(13)

FRANCHISE INVESTMENT LAW – Corp. Code 31000 et seq.

FRAUD – CC 1571 et seq., 1710 et seq.

FTC TRADE REGULATION GUIDES AND RULES

• Bait Advertising – 16 CFR Part 238
• Cooling Off Period – 16 CFR Part 429
• Credit Practices Rule – 16 CFR Part 444
• Deceptive Pricing – 16 CFR Part 233
• Environmental Marketing Claims – 16 CFR Part 260
• Funeral Industry Practices – 16 CFR Part 453
• “Holder Rule” (Preservation of Consumer Claims) – 16 CFR Part 433
• Mail and Telephone Order Rule – 16 CFR Part 435
• Negative Option Plans – 16 CFR Part 425
• Pay-Per-Call (“900” number calls) – 16 CFR Part 308
• Used Motor Vehicles – 16 CFR Part 455
• Unfair Competition – 15 USC 45

FURNITURE AND BEDDING

• False Advertising – B&P 19150, 19151; 4 CCR 1300 et seq.
• Fire Retardant Mattresses – B&P 19161; 4 CCR 1371
• Labeling – B&P 19080 et seq.; 4 CCR 1125 et seq.
• License Required – B&P 19049
• Limitations on Guarantees – B&P 19152
• Sanitization – B&P 19120 et seq.; 4 CCR 1251et seq.
• Unassembled – CC 1770(a)(11),(a)(12)

GAMBLING CONTROL ACT – B&P 19800 et seq.

GENDER-BASED PRICE DISCRIMINATION – CC 51.6

GIFTS OR PRIZES

• Conditional Offers – B&P 17537
• Sales Presentation. Notice of – B&P 17533.8, 17537.1

GIFT CERTIFICATES – CC 1749.45 et seq.

GOVERNMENT FILES (see Information Practices Act and Public Record Act)

GREY MARKET GOODS – CC 1797.8 et seq.

GUARANTEES (see Warranties)

GUARANTOR (Waiver of Subrogation/Reimbursement Rights) – CC 2856

HEALTH CARE SERVICE PLANS, DUTIES OF – CC 3428

HEALTH STUDIO CONTRACTS – CC 1812.80 et seq.

• Contract Cancellation – CC 1812.85(b)
• Death or Disability – CC 1812.89(a)
• Move/Transferability – CC 1812.89(b)(1)

HIRING OF PERSONAL PROPERTY (see Personal Property)

HOME EQUITY LOAN DISCLOSURES – CC 2970 et seq.

HOME EQUITY SALES CONTRACTS – CC 1695 et seq.

• Contract Cancellation – CC 1695.4

Legal Guide M-1 for HOME IMPROVEMENT CONTRACTS – B&P 7150 et seq.

• Arbitrator’s Disclosures – CCP 1281.95
• Contract – B&P 7159
• Down payment – B&P 7159
• Rescission – 15 USC 1635, 12 CFR 226.15, 226.23, B&P 7163
• Security Interest – B&P 7031(c), CC 1804.3
• See Contracts and Unruh Act

HOME SOLICITATION CONTRACTS – CC 1689.5 et seq., 16 CFR Part 429, B&P 17500.3

HOMESTEAD EXEMPTION – Cal. Const., Art. XX, 1.5, CCP 704.710 et seq., 704.910 et seq.

HOMESTEAD FILING SERVICES – B&P 17537.6

HOUSEHOLD GOODS CARRIERS – PUC 5101 et seq., CPUC Max. Rate Tariff 4, 49 CFR 1005

IDENTIFICATION

• Paying by Check – CC 1725(c)
• Paying by Credit Card – CC 1747.08(d)

IDENTITY THEFT – CC 1798.92, 18 USC 1028

IMMIGRATION CONSULTANTS – B&P 22440 et seq.

• Contract Cancellation – B&P 22442(f)
• Form Contract – 16 CCR 3840

IMPLIED WARRANTY (see Warranty)

INDEPENDENT WHOLESALE REPRESENTATIVES – CC 1738.10 et seq.

INDUCEMENTS TO VISIT LOCATION OR ATTEND SALES PRESENTATION – B&P
17537.1

INFORMATION PRACTICES ACT – CC 1798 et seq.

• Amendment to Record – CC 1798.35-1798.37
• Exemptions from Disclosure – CC 1798.40
• Inspection – CC 1798.32, 1798.34
• Limits on Disclosure – CC 1798.24

INJUNCTIVE RELIEF

• Granting – CCP 526 et seq., B&P 17203, 17204, 17535
• Penalties for Violating – CCP 1209 et seq., B&P 17207, 17535.5

INNKEEPERS’ LIABILITY – CC 1859 et seq.

INTENT TO MAKE SALES PRESENTATION – B&P 17533.8

INTEREST CHARGES

• Damages
  • Contract Claims – CC 3287
  • Not Stated in Contract – CC 3289(b)
  • Personal Injury/Settlement Offer – CC 3291
  • Post-judgment Interest Rates – CCP 685.010 et seq.
• Usury Provisions – Cal. Const., Art. XV, 1, et seq.

INVENTION DEVELOPMENT SERVICES – B&P 22370 et seq.

• Contract Cancellation – B&P 22373

INVESTIGATIVE CONSUMER REPORTING AGENCIES ACT – CC 1786 et seq.

LABELING GOODS

• Food, Drugs and Cosmetics (see Food, Drug and Cosmetic Law) – H&S 109875 et seq.
• Grey Market Goods – CC 1797.8 et seq.
• “Made in USA” – B&P 17533.7
• Packaging – B&P 12601 et seq.
• Used, Defective, Seconds – B&P 17531, CC 1770(a)(6)

LANDLORD/TENANT LAW – CC 1940 et seq., CCP 1159 et seq.

• Abandoned and Lost Property (Tenant’s) – CC 1965, 1980 et seq.
• “Arrieta” Claims (Pre-judgment Claim of Right of Possession) – CCP 415.46, 1174.25, 1174.3
• Habitability – CC 1941, et seq.
• Innkeeper’s Liability (see Innkeeper’s Liability)
• Landlord’s Right of Entry – CC 1954
• Notice to Terminate Tenancy – CC 1946
• Notice to Terminate Sole Lodger – CC 1946.5
• Periodic Tenancies – CC 1943, 1945
• Prepaid Rental Listing Service – B&P 10167 et seq.
• Repair and Deduct – CC 1942
• Residential Hotels – CC 1940.1, H&S 50519
• Retaliatory Eviction Prohibited – CC 1942.5
• Security Deposit – CC 1950.5
  • Amount – CC 1950.5(c)
  • Bad Faith Retention – CC 1950.5(l)
  • Commercial – CC 1950.7
  • Purposes and Uses – CC 1950.5(b),(e)
  • Return – CC 1950.5(f),(g)
• Service of Notice Upon Tenant- CCP 1162
• Service of Summons – CCP 415.10 et seq.
• Unlawful Detainer – CCP 1161
• Unlawful Detainer Assistants (see Unlawful Detainer Assistants)
• Untenantable Dwelling – CC 1941, 1941.1, 1942.3, CCP 1174.2
• Utilities
  • Meters – CC 1940.9
  • Non-Interruption – CC 789.3
  • Service Deposits – PUC 10009.6
  • Telephone Jacks – CC 1941.4

LANGUAGE TRANSLATION OF CONTRACT – CC 1632, 1689.7

LAUNDRIES/DRY CLEANERS

• Lien – CC 3051
• Sale – CC 3066

LAWYERS (see Attorneys)
LAYAWAY PRACTICES – CC 1749 et seq
LEGAL DOCUMENT ASSISTANTS – B&P 6400 et seq.
“LEMON LAW” – CC 1793.22 et seq., 15 USC 2304
LEASES (see Automobiles, Consumer Leasing Act, Rent-to-Own)

LENDERS

• Credit Unions – FC 14000 et seq.
• Finance Lenders – FC 22000 et seq.
• Industrial Loan Companies – FC 18000 et seq.
• Installment Sales (see Automobile Sales Finance and Unruh Acts)
• Insurance Premium Finance Agency – FC 18560 et seq.
• Pawnbrokers – FC 21000 et seq.
• Real Estate Brokers – B&P 10240 et seq.

LIENS

• General – CC 2872 et seq.
• Mechanics – CC 3109 et seq.
• Vehicles (Labor, Towing and Storage) – CC 3067 et seq.

LIMITATIONS PERIODS – CCP 312 et seq.

LIMITS ON QUANTITIES SOLD – B&P 17500.5

LOTTERIES, RAFFLES, AND SWEEPSTAKES – PC 319 et seq.

“MADE IN USA” – B&P 17537.7

MAGNUSON-MOSS WARRANTY ACT – 15 USC 2301 et seq., 16 CFR Part 700 et seq.

MAIL/TELEPHONE/CATALOG SALES – B&P 17538 et seq., 16 CFR Part 435

MAXIMS OF JURISPRUDENCE – CC 3509 et seq.

MECHANICS LIEN – CC 3109 et seq.

MEDICAL INFORMATION (Confidentiality) – CC 56 et seq.

MEMBERSHIP CAMPING CONTRACTS – CC 1812.300 et seq.

• Contract Cancellation – CC 1812.303, 1812.304

MILITARY PERSONNEL IN SMALL CLAIMS COURT – CCP 116.540(e)

MISREPRESENTATION (see also Advertising)

• Affiliation or Association – CC 1770(a)(3)
• Authority of Salesman or Agent – CC 1770(a)(18), VC 11713.1(m)
• Benefits of Goods or Services – CC 1770(a)(5)
• Certification – CC 1770(a)(2)
• Geographic Origin of Goods or Services – CC 1770(a)(4)
• In General – CC 1770
• Ingredients of Goods or Services – CC 1770(a)(5)
• Misleading Statements – B&P 17500 et seq.
• Obligation – CC 1770(a)(14)
• Part Needed/Part Installed – CC 1770(a)(15)
• Quality of Goods or Services – CC 1770(a)(7)
• Quantities of Goods or Services – CC 1770(a)(5)
• Rights/Remedies – CC 1770(a)(13)
• Source or Sponsorship of Goods or Services – CC 1770(a)(2),(a)(5)

MOBILEHOME RESIDENCY LAW – CC 798 et seq.

MOBILEHOME WARRANTIES – CC 1797 et seq.

MONEY EXCHANGE HOUSES – B&P 22515 et seq.

MORTGAGE FORECLOSURE CONSULTANTS – CC 2945 et seq.

• Contract Cancellation – CC 2945.2

MOVERS (see Household Goods Carriers)

NEGATIVE OPTION PLANS – 16 CFR Part 425, CC 1584.5

NEGOTIABLE INSTRUMENTS (see Checks)

NEW CAR “LEMON LAW” – CC 1793.22 et seq., 15 USC 2304

NEWSPAPER

• Advertisements Run in Good Faith – B&P 17502
• Circulation Claims – B&P 17533

NUISANCE – CC 3479 et seq.

OCCUPANCY (Wrongful) – CC 3334

ON-TIME SERVICE CALLS AND DELIVERY OF GOODS (4-hour appointment) – CC 1722

OWNERSHIP (False Statement) – B&P 17505

PACKAGING AND LABELING – B&P 12601 et seq

PARKING LOT (DISCLAIMER OF LIABILITY) – CC 1630, 1630.5

PERSONAL EMERGENCY RESPONSE UNIT – CC 1689.6(b), 1689.7(a)(2)

PERSONAL FINANCE LENDERS (see Lenders)

PERSONAL PROPERTY

• Hiring (leasing/renting) – CC 1925 et seq., 1955 et seq.
  • Duty of Care – CC 1928
  • Duty to Repair – CC 1929
• Leases – 15 USC 1667 et seq., 12 CFR Part 213
• Lost – CC 2080 et seq.
• Tenant’s – CC 1965, 1980 et seq.,
  • Commercial – CC 1993 et seq.
• Unclaimed – CC 2081 et seq.

PHYSICALLY DISABLED PERSONS

• Assistive Devices – CC 1793.02
• Denial of Services – B&P 125.6
• Discrimination – CC 54 et seq.
• Fraud (Treble Damages) – B&P 17206.1, CC 1780(b), 3345
• Wheelchairs – CC 1793.025

PHONE CORPORATIONS (Notice of Residential Rates and Services) – PUC 786
POLITICAL ITEMS (Sale and Manufacture) – CC 1739 et seq.
PREPAID RENTAL LISTING SERVICE – B&P 10167 et seq.

• Refund of Fees – B&P 10167.10

PRICE

• Before-Rebate Cost – B&P 17701.5
• Gouging (Post Disaster) – PC 396
• Price Reductions and Disclosures (Misleading Statements) – CC 1770(a)(13), B&P 17509 (includes internet)
• Secondhand Goods – B&P 17531 (includes internet), CC 1770(a)(6)
• Selling or Leasing at Advertised Terms – CC 2985.71(b), B&P 17538.7, VC 11713.1(e)
• Two or More Articles in Same Ad – B&P 17507
• Value and Former Value – B&P 17501

PRIVACY

• Automobile Black Boxes – VC 9951
• Bank Account Numbers – FC 4100
• Business Records – 1798.90 et seq
• California Privacy Provisions – Cal. Const. Art. I, Sec. 1
• Computer Spyware – B&P 22947 et seq.
• Consumer Information in Government Records – CC 1798 et seq., CCP 1985.4
• Consumer Records – CC 1798.91 et seq., CCP 1985.3, 1985.4
• Court Records – PC 964
• Credit Card Address Change – CC 1747.06
• Credit Card Numbers on Receipts – CC 1747.09
• Domestic Violence Victims – CC 1798.79.8
• Driver’s License Information – VC 1808 et seq., 18 USC 2721
• Driver’s License Scanning – CC 1798.90.1
• Educational Records (Family Educational Rights & Privacy Act of 1974 “FRRPA”) – 20 USC 1232g, 34 CFR Part 99
• Federal Privacy Act – 5 USC 552a
• Financial Records – GC 7460 et seq, FC 4050 et seq., 12 USC 3401 et seq
• Health Information (HIPAA) -45 CFR Parts 160 and 164
• Identity Theft – CC 1798.92, 18 USC 1028
• Information Practices Act – CC 1798 et seq.
• Insurance Records – IC 791 et seq
• Library Records – GC 6254, 6267, 6276.28
• Online Privacy – B&P 22575 et seq., GC 6254.21, 11015.5
• Reproductive Health Care – GC 6218 et seq.
• Security Breach Notice – CC 1798.29, 1798.82, 1798.84
• Social Security Numbers – CC 1798.85 et seq., 1785.11.1, 1785.11.6, LC 226, Fam. Code 2024.5, CCP 674, R&T 2191.3, CC 1798.88 et seq., Com. Code 9526.5, EC 66018.55, GC 27300
• Supermarket Club Cards – CC 1749.60
• Video Rental Records – CC 1799.3, 18 USC 2710
• Voter Records – Election Code 2166.7, 2194, 8023, 8105, 8202, 8204, GC 6254.24
• Workplace Surveillance – LC 435
• Disclosure of Personally Identifiable Marketing Information – CC 1748.12, 1785.19.5

PRIZES

• As Inducements – B&P 17537.1
• Conditional Offer – B&P 17537
• Disclosure of Intent to Make a Sales Presentation – B&P 17533.8 (includes internet)
• Misleading – B&P 17537(a)
• Promotional Giveaways (see Promotional Giveaways)

PROFESSIONAL ADVERTISING (Restrictions) – B&P 17500.1

PROMOTIONAL GIVEAWAYS – B&P 17537.1

PROPERTY (see Personal Property, Real Property)

PUBLIC RECORDS ACT – GC 6250 et seq.

• Agencies’ Duties – GC 6253.4
• Exemptions – GC 6254 et seq., 6255
• Request for Disclosure – GC 6253
• Right of Access – GC 6253

PUNITIVE DAMAGES (see Damages)

PYRAMID SCHEME (see Endless Chain)

RADIO, TELEVISION, APPLIANCE REPAIR – B&P 9800 et seq.

REAL ESTATE BROKER

• License and Regulations – B&P 10130 et seq.

REAL PROPERTY

• Conveyance Law – CC 1091 et seq.
• Default (Purchase Contract) – CC 1675 et seq.
• Deposit (see Deposits (Real Estate))
• Foreclosure Consultants – CC 2945 et seq.
• Home Equity Loan Disclosures – CC 2970 et seq.
• Home Equity Sales Contracts – CC 1695 et seq.
• Home Loan Prepayment Penalty – CC 2954.9 et seq., 15 USC 1639(c)
• Homestead Filing Services (see Homestead Filing Services)
• Impound Accounts – CC 2954 et seq.
• Late Charges – CC 2954.4
• Mechanics Lien (see Mechanics Lien)
• Sale Contract – 2985 et seq
  • Writing Required – CC 1624
• Sales Disclosures – CC 1102 et seq.
• Timeshares (see Timeshare Contracts)
• Transfer Disclosures (Residential) – CC 1102 et seq., CC 2079 et seq.

REBATE

• Before Rebate Price – B&P 17701.5
• Receipt as Condition of Sale – CC 1770(a)(17), 1803.10, 2982.1

RECLAIMED, RECONDITIONED OR USED GOODS REPRESENTED AS NEW – CC 1770(a)(6), B&P 17531 (includes on the internet)

RECREATIONAL VEHICLE PARK OCCUPANCY LAW – CC 799.20 et seq.

REFERRAL DISCOUNT – CC 1770(a)(17), 1803.10, 2982.1

REMEDIES

• Civil Penalties – B&P 17206, 17536
• Consumers Legal Remedies Act – CC 1780 et seq.
• Damages (see Damages)
• Enhanced Penalties – B&P 17206.1, CC 1780(b), 3345
• Injunction – CCP 525 et seq. B&P 17203 et seq.
• Restitution – B&P 17206(d)

RENT SKIMMING – CC 890 et seq.

RENT-TO-OWN – CC 1812.620 et seq.

• Cash Price – CC 1812.622(e), 1812.623(a)(5), 1812.644
• Collection Practices – CC 1812.638
• Contract Disclosures and Terms – CC 1812.623
• Lost or Damaged Item – CC 1812.627
• Maintenance of Item – CC 1812.633
• Prohibited Acts – CC 1812.624, 1812.625, 1812.626, 1812.635, 1812.638 et seq.
• Purchase Option – CC 1812.632
• Reinstatement – CC 1812.631(b)

REPAIR

• Appliance and Electronic – B&P 9800 et seq.
• Automobile – B&P 9880 et seq.
• Consumer Warranties – CC 1790 et seq., Com. Code 2313 et seq.
• Four-Hour Requirement – CC 1722
• Part Not Needed/Part Not Provided – CC 1770(a)(15), (a)(16)
• Service Contracts (see Service Contracts)
• Warranty (see Warranties)
• Warranty Repair Standards (see Warranties)

RETAIL INSTALLMENT SALES (see Unruh Sales Act)

RETURN POLICY DISPLAY REQUIREMENTS – CC 1723

ROSENTHAL FAIR DEBT COLLECTION PRACTICES ACT – CC 1788 et seq.

ROBOCALLS – 47 USC 227(b), 16 CFR Part 3110, CC 1770(a)(22), B&P 17363.5,
PUC 2871 et seq.

• Private Right of Action – 47 USC 227(b)(3)

SALES

• Bait and Switch – B&P 17500 (includes on the internet), CC 1770(a)(9), (a)(10)
• By Telephone (see Telephonic Sellers)
• Installment
  • Automobiles (see Automobile Sales Finance Act)
  • Consumer Goods and Services (see Unruh Act)
• Multiple Units or Additional Products – B&P 17504, 17509 (includes on the internet)
• Telephone and Communications Equipment – B&P 17361 et seq.

SCALPING TICKETS – PC 346

SECURITIES – Corp. Code 25000 et seq.

SECURITY DEPOSITS (see Landlord/Tenant Law)

SELF-SERVICE STORAGE FACILITIES – B&P 21700 et seq.

SELLER-ASSISTED MARKETING PLANS (SAMPS) – CC 1812.200 et seq.

• Contract Cancellation – CC 1812.208 et seq., 1812.215
• Definitions – CC 1812.201
• Disclosures – CC 1812.204 et seq.
• Remedies – CC 1812.218 et seq.

SELLERS OF TRAVEL – B&P 17550 et seq.

• Advertising – B&P 17550.15(k), 17550.1, 17550.2, 17550.24(f)
• Delivery of Tickets – B&P 17550.15(c)(3), 17550.17
• Refunds – B&P 17550.14
• Registration – B&P 17550.20, 17550.24
• Trust Account – B&P 17550.15(b), 17550.16
• Travel Consumer Restitution Fund – B&P 17550.35 et seq.

SEMINAR SALES – CC 1689.20 et seq.

SENIOR CITIZENS (Enhanced Penalties for Fraud Against) – CC 1780(b), 3345, B&P 17206.1

SERVICE CONTRACTS – CC 1794.4 et seq., B&P 9855 et seq.

SIMULATED CHECKS – B&P 17539.1(a)(13), 22433

SMALL CLAIMS ACT – CCP 116.110 et seq.

• Definitions – 116.130
• Fees – 116.230
• Jurisdiction – 116.220 et seq.

SONG-BEVERLY CONSUMER WARRANTY ACT (see also Warranties) – CC 1790 et seq.

SONG-BEVERLY CREDIT CARD ACT (see also Credit Cards) – CC 1747 et seq.

SPORTS MEMORABILIA, AUTOGRAPHED – CC 1739.7

SPORTS TRADING CARDS – B&P 21670 et seq.

SPYWARE, COMPUTER – B&P 22947 et seq.

STATUTES OF LIMITATION – CCP 312 et seq.

STRUCTURAL PEST CONTROL OPERATORS – B&P 8500 et seq.

SWAP MEETS, FLEA MARKETS, AND OPEN-AIR MARKETS – B&P 21660 et seq.

SWIMMING POOL CONSTRUCTION CONTRACTS – B&P 7165 et seq.

TANNING FACILITIES – B&P 22700 et seq.

TELEMARKETING AND CONSUMER FRAUD AND ABUSE PREVENTION ACT – 15 USC 6101 et seq., 16 CFR Part 310

TELEPHONE

• Billing/Collections (900/976 Numbers) – PUC 2884 et seq. (see also Fair Debt Collection Practices Act)
• Residential Services and Rates (Notices) – PUC 786
• Sale of Telephone and Communications Equipment – B&P 17361 et seq.

TELEPHONE CONSUMER PROTECTION ACT – 47 USC 227 et seq.

Legal Guide M-1 for TELEPHONE SALES – B&P 17511 et seq., 16 CFR Part 310

• Automatic Dialing-Announcing Device (Robocalls) – CC 1770(a)(22), B&P 17363.5, PUC 2871 et seq., 16 CFR Part 3110
• Contract Cancellation – B&P 17511.5(e), CC 1689.6
• Disclosures – B&P 17500.3, 17511.5
• “Do Not Call” Lists – 47 USC 227(c)(1)(A), 47 CFR 64.1200(d)
• Fraud and Abuse Prevention – 15 USC 6101 et seq., 16 CFR 310.4
• Information Charges (Disclosure) – PUC 2889, 16 CFR 310.3
• Live Voice Introduction – CC 1770(a)(22), 47 USC 227(b)(1), 47 CFR 64.1200
• Registration – B&P 17511.3 et seq.
• Solicitation – B&P 17500.3, 17511.1
• Unlawful – CC 1670.6
• Venue – CCP 395(b)

TELEVISION

• Repair – B&P 9800 et seq.
• Picture Tube Labels – B&P 17531.6 et seq.

TICKET SELLERS – B&P 22500 et seq.

TIMESHARE CONTRACTS – B&P 11210 et seq.

• Rescission – B&P 11238
• Timeshare Plans – B&P 11212(z)

TOWING

• Credit Cards – VC 22651.1
• Deficiency Claims – CC 3068.2
• Liens – CC 3068.1
• Owner’s Request for Release – CC 3068.1, VC 22658(i)(3)
• Request Prerequisite for Service – VC 22513

TOYS (Unassembled) – B&P 17531.1

UNASSEMBLED

• Furniture – CC 1770(a)(11), (a)(12)
• Toys – B&P 17531.1

UNFAIR

• Competition – B&P 17200 et seq., CC 1770
• Restraint of Trade – B&P 16600 et seq.
• Trade Practices – B&P 17000 et seq.

UNIVERSAL PRODUCT CODE (UPC) DISCLOSURES – CC 7100 et seq.

UNLAWFUL DETAINER ASSISTANTS – B&P 6400 et seq.

• Contract Cancellation – B&P 6410(d),(e)
• Form Contract – 16 CCR 3890

UNLICENSED PROVIDERS OF GOODS OR SERVICES (Treble Damages) – CCP 1029.8

UNPAID WAGES – LC 203, 227.3

UNRUH CIVIL RIGHTS ACT – CC 51 et seq.

UNRUH ACT(Retail Installment Sales) – CC 1801et seq.

• Add-on Sales – CC 1808.1 et seq.
• Buyer Unable to Obtain Financing – CC 1803.9
• Buyer’s Claims and Defenses – CC 1804.1et seq., 16 CFR Part 433
• Contract – CC 1803.2 et seq., 1804.1
• Default/Repossession – CC 1812.2 et seq.
• Deficiency Judgment Prohibited – CC 1812.5
• Delinquency Charges – CC 1803.6
• Finance Charges – CC 1805.1 et seq., 1810.2
• Penalties – CC 1812.6 et seq.
• Retail Installment Accounts – CC 1810.1 et seq.
• Sales by Mail/Telephone (Coverage of Act) – CC 1803.8
• Security Interests – CC 1804.3
• “Supervised Financial Organizations” – CC 1801.6
• Venue – CC 1812.10

UNSOLICITED GOODS – CC 1584.5 et seq., 16 CFR Part 425

USED MERCHANDISE

• Motor Vehicles – 16 CFR Part 455
• Disclosure – B&P 17531, CC 1770(a)(6)
• Federal Surplus – B&P 17531.5, 17533.5
• Television Picture Tubes – B&P 17531.6 et seq.
• Warranties (see Warranties) – CC 1795.5

USURY – Cal. Const., Art. XV, 1, CC 1916.1 et seq.

VEHICLE LEASING ACT – CC 2985.7-2993

• Attorney’s Fees – CC 2988.9
• Cooling off Period – CC 2985.8(e)
• Damages – CC 2988.5
• Defenses – 2986.10
• Definitions – CC 2985.7
• Disclosures – CC 2985.71
• Lease Contract, Contents of – CC 2985.8, 2986.4
• Prohibited Practices – CC 2985.8(i), 2986.3, 2986.6, 2986.12, 2989.4
• Recisions – CC 2988.7
• Refunds of Down payments – CC 2986.13
• Reports to Consumer Credit Reporting Agencies – CC 2987(g)
• Residual Value – CC 2988, 2989.2
• Spanish Language forms – CC 2991

VIDEO EQUIPMENT REPAIR – B&P 9800 et seq.

VIDEO RENTAL RECORDS – CC 1799.3, 18 USC 2710

VOCATIONAL SCHOOLS (Private Postsecondary Education Act of 2009) – 94800 et seq.

• Cancellation, Withdrawal, and Refunds – EC 94919 et seq.
• Enrollment Agreements and Disclosures – EC 94902 et seq.
• Identification Required for Recruiters – EC 94901
• Prohibitions – EC 94897 et seq

WARRANTIES

• Arbitration Programs
  • All Consumer Products – 16 CFR Part 703
  • Conspicuous Disclosure Required – CC 1792.4
  • New Cars – B&P 472 et seq., CC 1793.22(d)
• “As Is” Sales Com. Code 2316
  • No Implied Warranties – CC 1791.3,
  • Used Cars – 16 CFR 455.2
  • Waiver of Warranties by Buyer – CC 1792.5
• Assistive Devices – CC 1793.02
• Buyer’s Damages and Remedies- CC 1791.1(d), 1794, Com. Code 2714, 2715
• Disclaimer – CC 1792.3-1792.5, Com. Code 2316, 2719
• Express Warranties –, 1793, 1793.1, 1793.2, Com. Code 2313 et seq.
  • Defined – CC 1791.2
• Implied Warranties –
  • Defined – CC 1791.1
  • Disclaimer – CC 1792.4, Com. Code 2316
  • Fitness – CC 1792.1, 1792.2, Com. Code 2315
  • Merchantability – CC 1792, Com. Code 2314
  • No Waiver – CC 1792.3
• Leased Goods – CC 1795.4
• Installation Standards – CC 1796
• “Lemon Law” – CC 1793.22 et seq., 15 USC 2301 et seq.
• Magnuson-Moss WARRANTY ACT – 15 USC 2301 et seq., 16 CFR Part 700 et seq.
• Rejection of Goods – Com. Code 2601, 2602, 2606(1)(b), 2607(2)
• Revocation of Acceptance of Goods – Com. Code 2608
• Remedies Cumulative – CC 1790.4
• Remedy Fails of Essential Purpose – Com. Code 2719(2)
• Repair, or Replace, or Reimburse Provision – CC 1793.2(d)
• Repair Standards- CC 1796.5
• Returned “Lemon” Notice – CC 1793.22(f), 1793.23 et seq.
• Service Contracts – CC 1794.4 et seq, B&P 9855 et seq.
• Time Allowed for Repair – CC 1793.2(b),(d)
• Tolling of Warranty Period – CC 1793.1(a)(2), 1795.6 et seq.
• Used Goods – CC 1795.5

WATER TREATMENT DEVICES – B&P 17577 et seq.

• Contract Cancellation – B&P 17577.3

WEIGHT LOSS CONTRACTS – CC 1694.5 et seq.

• Contract Cancellation – CC 1694.7(b)
• Death or Disability of Buyer – CC 1694.8(a)
• Move/Transferability of Buyer – CC 1694.8(b)

WHEELCHAIR WARRANTY/DISCLOSURE REQUIREMENTS– CC 1793.025

WILLFUL OR NEGLIGENT ACTS – CC 1714

WORTH OR VALUE – B&P 17501, CC 1770(a)(13)

Guide to Abbreviations:
B&P = California Business & Professions Code

Cal. Const. = California Constitution

CC = California Civil Code

CCP = California Code of Civil Procedure

CCR = California Code of Regulations

CFR = Code of Federal Regulations

Com. Code = California Commercial Code

Corp. Code = California Corporations Code

CPUC = California Public Utilities Commission

Ed. Code = California Education Code

Evid. Code = California Evidence Code

FC = California Financial Code

Fam. Code = Family Code

GC = California Government Code

H&S = California Health & Safety Code

Harb. & Nav. Code = California Harbors & Navigation Code

IC = California Insurance Code

PC = California Penal Code

PUC = California Public Utilities Code

R&T = Revenue and Taxation Code

USC = United States Code

VC = California Vehicle Code

“et seq.” = and the following sections

NOTICE:  We attempt to make our legal guides accurate as of the date of publication, but they are only guidelines and not definitive statements of the law. Questions about the law’s application to particular cases should be directed to a specialist.

Prepared by: Legal Services Unit, August 2010