23 Cited authorities

  1. Cel-Tech Commc'ns, Inc. v. L.A. Cellular Tel. Co.

    20 Cal.4th 163 (Cal. 1999)   Cited 1,942 times   20 Legal Analyses
    Holding that for an act to be "unfair," it must "threaten" a violation of law or "violate the policy or spirit of one of those laws because its effects are comparable to or the same as a violation of the law"
  2. Harris v. Capital Growth Investors XIV

    52 Cal.3d 1142 (Cal. 1991)   Cited 389 times   3 Legal Analyses
    Holding that a plaintiff seeking to establish a case under the Unruh Act must plead and prove intentional discrimination in public accommodations in violation of the terms of the Act
  3. De La Torre v. Cashcall, Inc.

    854 F.3d 1082 (9th Cir. 2017)   Cited 5 times   2 Legal Analyses

    Nos. 14-17571 15-15042 04-21-2017 Eduardo DE LA TORRE ; Lori Saysourivong, Plaintiffs–Appellants/Cross–Appellees, v. CASHCALL, INC., Defendant-Appellee/Cross-Appellants. James C. Sturdevant (argued), The Sturdevant Law Firm, San Francisco, California; Jessica Riggin and Steven M. Tindall, Rukin Hyland Doria & Tindall LLP, San Francisco, California; Arthur D. Levy, Law Office of Arthur D. Levy, San Francisco, California; for Plaintiffs-Appellants/Cross-Appellees. Brad W. Seiling (argued), Donald R

  4. Max Factor Co. v. Kunsman

    5 Cal.2d 446 (Cal. 1936)   Cited 117 times
    In Max Factor Co. v. Kunsman, supra; Joseph Triner Corp. v. McNeil, supra; Ely Lilly Co. v. Saunders, supra; and Miles Laboratories, Inc., v. Owl Drug Co., supra, this objection was also held to be unfounded.
  5. Allied Properties v. Department of Alcoholic Beverage Control

    53 Cal.2d 141 (Cal. 1959)   Cited 54 times
    In AlliedProperties v. Dept. of Alcoholic Beverage Control, supra, 53 Cal.2d 141, and Wilke Holzheiser, Inc. v. Dept. of Alcoholic Bev. Control,supra, 65 Cal.2d 349, we upheld the constitutionality of these laws against the challenge that they constituted an improper exercise of the police power.
  6. Section 1601 - Congressional findings and declaration of purpose

    15 U.S.C. § 1601   Cited 7,240 times   33 Legal Analyses
    Explaining that TILA's disclosure requirements exist “so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit”
  7. Section 1638 - Transactions other than under an open end credit plan

    15 U.S.C. § 1638   Cited 1,016 times   2 Legal Analyses
    Describing TILA’s disclosure requirements for consumer credit transactions
  8. Section 5531 - Prohibiting unfair, deceptive, or abusive acts or practices

    12 U.S.C. § 5531   Cited 104 times   82 Legal Analyses
    Setting forth unfair and abusive conduct standards
  9. Section 22302

    Cal. Fin. Code § 22302   Cited 25 times   2 Legal Analyses

    (a) Section 1670.5 of the Civil Code applies to the provisions of a loan contract that is subject to this division. (b) A loan found to be unconscionable pursuant to Section 1670.5 of the Civil Code shall be deemed to be in violation of this division and subject to the remedies specified in this division. Ca. Fin. Code § 22302

  10. Section 8-8-5 - Maximum rates of interest - Loans, credit sales, etc., of $2,000 or more to individuals, corporations, trusts, partnerships, or associations

    Ala. Code § 8-8-5   Cited 12 times

    (a) Any person or persons, corporations, trust, general partnership or partnerships, limited partnership or partnerships, or association may agree to pay such rate or rates of interest for the loan or forbearance of money and for any credit sales as such person, corporation, trust, general partnership, limited partnership, or association may determine, notwithstanding any law of this state otherwise prescribing or limiting such rate or rates of interest; provided, that the original principal balance

  11. Section 22303

    Cal. Fin. Code § 22303   Cited 11 times   4 Legal Analyses

    Every licensee who lends any sum of money may contract for and receive charges at a rate not exceeding the sum of the following: (a) Two and one-half percent per month on that part of the unpaid principal balance of any loan up to, including, but not in excess of two hundred twenty-five dollars ($225). (b) Two percent per month on that portion of the unpaid principal balance in excess of two hundred twenty-five dollars ($225) up to, including, but not in excess of nine hundred dollars ($900). (c)

  12. Section 21000

    Cal. Fin. Code § 21000   Cited 9 times

    Every person engaged in the business of receiving goods, including motor vehicles, in pledge as security for a loan is a pawnbroker within the meaning of this division. Ca. Fin. Code § 21000

  13. Section 16a-2-401 - Finance charge for consumer loan; loan secured by mortgage or interest in manufactured home; prepaid finance charges

    Kan. Stat. § 16a-2-401   Cited 6 times

    (1) For any consumer loan incurred pursuant to open end credit, including, without limitation, a loan pursuant to a lender credit card, a lender may charge a finance charge at any rate agreed to by the parties, subject, however, to the limitations on prepaid finance charges set forth in subsection (6). This subsection does not apply to a consumer loan secured by a first mortgage or a second mortgage. (2) For any consumer loan incurred pursuant to closed end credit, a lender may charge a periodic

  14. Section 53 - When capital stock paid in

    12 U.S.C. § 53   Cited 4 times

    All of the capital stock of every national banking association shall be paid in before it shall be authorized to commence business. 12 U.S.C. § 53 R.S. §5140; Pub. L. 86-230, §4, Sept. 8, 1959, 73 Stat. 457. CODIFICATIONR.S. §5140 derived from act June 3, 1864, ch. 106, §14, 13 Stat. 103, which was the National Bank Act. See section 38 of this title. AMENDMENTS1959- Pub. L. 86-230 substituted requirement that all the capital stock of a national bank must be paid in before it commences business for

  15. Section 422.202 - Additional charges

    Wis. Stat. § 422.202   Cited 4 times

    (1) In addition to the finance charge permitted by this subchapter, a merchant may bargain for and receive any of the following additional charges in connection with a consumer credit transaction: (a) Official fees and taxes. (b) Charges or premiums for insurance against loss of or damage to property in which the creditor takes a security interest or to property leased under a motor vehicle consumer lease or against liability arising out of the ownership or use of property in which the creditor takes

  16. Section 1452 - Loan Size and Duration: Limitations

    Cal. Code Regs. tit. 10 § 1452   Cited 3 times   1 Legal Analyses

    When making or negotiating loans, a finance company shall take into consideration, in determining the size and duration thereof, the financial ability of the borrowers to repay the same, to the end that the borrowers should be reasonably to repay said loans in the time and manner provided in the loan contracts. Cal. Code Regs. Tit. 10, § 1452 Note: Authority cited: Section 22150, Financial Code. Reference: Section 22150, Financial Code. 1. New NOTE filed 12-29-83; effective thirtieth day thereafter

  17. Section 1430 - Annual Report

    Cal. Code Regs. tit. 10 § 1430

    STATE OF CALIFORNIA - BUSINESS, CONSUMER SERVICES AND HOUSING AGENCY DEPARTMENT OF BUSINESS OVERSIGHT [Image(s) not available.] INSTRUCTIONS FOR COMPLETING THE 20XX ANNUAL REPORT FOR LENDERS AND BROKERS LICENSED UNDER THE CALIFORNIA FINANCE LENDERS LAW WHO MUST FILE THE REPORT: Every licensee under the California Finance Lenders Law as of December 31, 20XX must file the annual report. The report must include information on all businesses conducted under the California Finance Lenders license by licensees

  18. § 1026.14 Determination of annual percentage rate

    12 C.F.R. § 1026.14

    (a) General rule. The annual percentage rate is a measure of the cost of credit, expressed as a yearly rate. An annual percentage rate shall be considered accurate if it is not more than 1/8 th of 1 percentage point above or below the annual percentage rate determined in accordance with this section. An error in disclosure of the annual percentage rate or finance charge shall not, in itself, be considered a violation of this part if: (1) The error resulted from a corresponding error in a calculation

  19. Rule 8.204 - Contents and format of briefs

    Cal. R. 8.204   Cited 2,663 times

    (a) Contents (1) Each brief must: (A) Begin with a table of contents and a table of authorities separately listing cases, constitutions, statutes, court rules, and other authorities cited; (B) State each point under a separate heading or subheading summarizing the point, and support each point by argument and, if possible, by citation of authority; and (C) Support any reference to a matter in the record by a citation to the volume and page number of the record where the matter appears. If any part