California Codes

Cal. Civil Code § 1918.5 (2026)

✓ current as of May 2026

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As used in this chapter:

(a)“Evidence of debt” means a note or negotiable instrument.

(b)“Secretary” means the Secretary of the Business, Consumer Services, and Housing.

(c)“Secretary’s designee” means the director of a department within the agency that licenses or regulates the institutions, organizations, or persons engaged in a business related to or affecting compliance with this chapter.

(d)“Security document” means a mortgage contract, deed of trust, real estate sales contract, or any note or negotiable instrument issued in connection therewith, when its purpose is to finance the purchase or construction of real property occupied or intended to be occupied by the borrower, containing four or fewer residential units or on which four or fewer residential units are to be constructed.

Notes of Decisions

Cited in 2 cases (1 in the last 5 years), 2010–2024 · leading case: Santos v. U.S. Bank N.A., 716 F. Supp. 2d 970 (E.D. Cal. 2010).

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Santos v. U.S. Bank N.A., 716 F. Supp. 2d 970 (E.D. Cal. 2010). “Cal. Civ.Code § 1918.5 does not set out regulations but only provides definitions for certain terms.”

City of San Jose v. Howard Jarvis Taxpayers Assn. (Cal. Ct. App. 2024). “) Civil Code section 1918.5 includes the same definition and similarly limits its use to the chapter in which it appears, chapter 7.”

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