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 § 1812.9 (2026)

Penalties — Retail Installment Sales

✓ current as of May 2026
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In any case in which a person willfully violates any provision of this chapter in connection with the imposition, computation or disclosures of or relating to a finance charge on a consolidated total of two or more contracts under the provisions of Article 8 (commencing with Section 1808.1) of this chapter, the buyer may recover from such person an amount equal to three times the total of the finance charges and any delinquency, collection, extension, deferral or refinance charges imposed, contracted for or received on all contracts included in the consolidated total and the seller shall be barred from the recovery of any such charges.

Notes of Decisions
Cited in 2 cases, 2000–2000 · leading case: Lane v. Hughes Aircraft Co., 993 P.2d 388 (Cal. 2000).
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Lane v. Hughes Aircraft Co., 993 P.2d 388 (Cal. 2000). “In more than 30 instances, the Legislature has provided for double or treble damages as a punishment for wrongful acts.”
Lane v. Hughes Aircraft Co., 22 Cal. 405 (Cal. 2000). “In more than 30 instances, the Legislature has provided for double or treble damages as a punishment for wrongful acts. (See, e.”
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