Cal. Codes » Civil Code / DIVISION 3. OBLIGATIONS / PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS / TITLE 1.6C.15. Private Student Loan Collections Reform Act
California Codes

Cal. Civil Code § 1788.204 (2026)

15. Private Student Loan Collections Reform Act

✓ current as of May 2026
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A private education lender or private education loan collector shall not bring suit or initiate an arbitration or other legal proceeding to collect a private education loan if the applicable statute of limitations for the private education lender’s or private education loan collector’s claim has expired.

Notes of Decisions
Cited in 1 case (1 in the last 5 years), 2025–2025 · leading case: Guracar v. Student Loan Solutions, 111 Cal. App. 5th 330 (Cal. Ct. App. 2025).
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Guracar v. Student Loan Solutions, 111 Cal. App. 5th 330 (Cal. Ct. App. 2025). “(Civ. Code, § 1788.204.) Unlike the 12 Debt Buyers Act, the PSLCRA requires that such collectors possess certain information and documents before contacting a debtor (Civ.”
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