Cal. Codes » Financial Code / DIVISION 9. CALIFORNIA FINANCING LAW / CHAPTER 1. General Provisions / ARTICLE 1. Definitions
California Codes

Cal. Financial Code § 22001 (2026)

Definitions — General Provisions

✓ current as of May 2026
Find cases: SyfertCases citing this section CA-LEGleginfo.legislature.ca.gov JustiaCode on Justia CornellLII Search CasesGoogle Scholar

(a)This division shall be liberally construed and applied to promote its underlying purposes and policies, which are:

(1)To ensure an adequate supply of credit to borrowers in this state.

(2)To simplify, clarify, and modernize the law governing loans made by finance lenders.

(3)To foster competition among finance lenders.

(4)To protect borrowers against unfair practices by some lenders, having due regard for the interests of legitimate and scrupulous lenders.

(5)To permit and encourage the development of fair and economically sound lending practices.

(6)To encourage and foster a sound economic climate in this state.

(7)To protect property owners from deceptive and misleading practices that threaten the efficacy and viability of property assessed clean energy financing programs.

(b)Consumer loans, as defined in Sections 22203 and 22204, are subject to this chapter, Chapter 2 (commencing with Section 22200), Article 1 (commencing with Section 22700) of Chapter 4, and Article 2 (commencing with Section 22750) of Chapter 4.

(c)Commercial loans, as defined in Section 22502, are subject to this chapter, Chapter 3 (commencing with Section 22500), Article 1 (commencing with Section 22700) of Chapter 4, and Article 3 (commencing with Section 22780) of Chapter 4.

(d)A program administrator, as defined in Section 22018, is subject to this chapter, Chapter 3.5 (commencing with Section 22680), and Article 1 (commencing with Section 22700) of Chapter 4.

(e)This section shall become operative on January 1, 2019.

Notes of Decisions
Cited in 4 cases (2 in the last 5 years), 2014–2023 · leading case: T'Bear v. Forman, 359 F. Supp. 3d 882 (N.D. Cal. 2019).
Sort: Relevance Newest Treatment
T'Bear v. Forman, 359 F. Supp. 3d 882 (N.D. Cal. 2019). · cites it 2× “" Cal. Fin. Code § 22001 (b). Indeed, the title of Article 2 of Chapter 4, where Section 22750 and 22752 are found, is "Consumer Loan Penalties.”
Belyea v. GreenSky, Inc. (N.D. Cal. 2023). · cites it 2× “” 20 Cal. Fin. Code § 22001 (a). A “finance lender” includes those “engaged in the business of making 21 consumer loans.”
Fitzgerald v. GEM Funding, LLC (N.D. Cal. 2022). “5 (“civil RICO”), fraud, usury, negligence per se for violations of Cal. Fin. Code § 22001 , violations 6 of Cal.”
Grissom v. Dealer Servs. CA4/3 (Cal. Ct. App. 2014). “(Fin. Code, § 22001, subds. (b) & (c).) Grissom argues that because DSC violated the portion of the California Finance Lenders Law that requires a lender to be licensed by the State of California (Fin.”
Cal. Financial Code § 22001(a): 1 case
Belyea v. GreenSky, Inc. (N.D. Cal. 2023). “” 20 Cal. Fin. Code § 22001 (a). A “finance lender” includes those “engaged in the business of making 21 consumer loans.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.