Cal. Codes » Civil Code / DIVISION 3. OBLIGATIONS / PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS / TITLE 2. CREDIT SALES / CHAPTER 1. Retail Installment Sales / ARTICLE 12.2. Penalties
California Codes

Cal. Civil Code § 1812.7 (2026)

Penalties — Retail Installment Sales

✓ current as of May 2026
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In case of failure by any person to comply with the provisions of this chapter, such person or any person who acquires a contract or installment account with knowledge of such noncompliance is barred from recovery of any finance charge or of any delinquency, collection, extension, deferral or refinance charge imposed in connection with such contract or installment account and the buyer shall have the right to recover from such person an amount equal to any of such charges paid by the buyer.

Notes of Decisions
Cited in 1 case, 1962–1962 · leading case: Fresno Loan & Thrift v. Roberts, 207 Cal. App. Supp. 2d 899 (Cal. App. Dep’t Super. Ct. 1962).
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Fresno Loan & Thrift v. Roberts, 207 Cal. App. Supp. 2d 899 (Cal. App. Dep’t Super. Ct. 1962). “(Civ. Code, § 1812.7.) Suit for the principal of the debt is not barred.”
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