SECTIONS 1799.90-1799.104 - California Statutes

CIVIL CODE

SECTION 1799.90-1799.104

1799.90. As used in this title:
(a) "Consumer credit contract" means any of the following
obligations to pay money on a deferred payment basis, where the
money, property, services or other consideration which is the subject
matter of the contract is primarily for personal, family or
household purposes:
(1) Retail installment contracts, as defined in Section 1802.6.
(2) Retail installment accounts, as defined in Section 1802.7.
(3) Conditional sales contracts, as defined in Section 2981.
(4) Loans or extensions of credit secured by other than real
property, or unsecured, for use primarily for personal, family or
household purposes.
(5) Loans or extensions of credit for use primarily for personal,
family or household purposes where such loans or extensions of credit
are subject to the provisions of Article 7 (commencing with Section
10240) of Chapter 3 of Part I of Division 4 of the Business and
Professions Code, Division 7 (commencing with Section 18000),
Division 9 (commencing with Section 22000), or Division 10
(commencing with Section 24000) of the Financial Code, whether
secured by real property or otherwise.
(6) Lease contracts, as defined in Section 2985.7.
(b) "Creditor" means an individual, partnership, corporation,
association or other entity, however designated, who enters into or
arranges for consumer credit contracts in the ordinary course of
business.

1799.91. (a) Unless the persons are married to each other, each
creditor who obtains the signature of more than one person on a
consumer credit contract shall deliver to each person who does not in
fact receive any of the money, property, or services which are the
subject matter of the consumer credit contract, prior to that person'
s becoming obligated on the consumer credit contract, a notice in
English and Spanish in at least 10-point type as follows:
NOTICE TO COSIGNER (Traducci