Cal. Codes » Financial Code / DIVISION 9. CALIFORNIA FINANCING LAW / CHAPTER 2. Consumer Loans / ARTICLE 1. Definitions
California Codes

Cal. Financial Code § 22200 (2026)

Definitions — Consumer Loans

✓ leginfo export of Sept. 26, 2026 (applied Oct. 1, 2026)
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“Charges” include the aggregate interest, fees, bonuses, commissions, brokerage, discounts, expenses, and other forms of costs charged, contracted for, or received by a licensee or any other person in connection with the investigating, arranging, negotiating, procuring, guaranteeing, making, servicing, collecting, and enforcing of a loan or forbearance of money, credit, goods, or things in action, or any other service rendered.

Notes of Decisions
Cited in 1 case, 2017–2017 · leading case: Eduardo De La Torre v. Cashcall, Inc., 854 F.3d 1082 (9th Cir. 2017).
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Eduardo De La Torre v. Cashcall, Inc., 854 F.3d 1082 (9th Cir. 2017). “CashCall argues that the unconscionability provision in the FLL is not toothless, because § 22302 applies to “charges” such as “fees, bonuses, commissions, brokerage, discounts, expenses, and other forms of costs,” Cal. Fin. Code § 22200 , and interest rates on loans below…”
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