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California Civil Code Section 2965

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The validity of any credit document or of any security
document subject to the provisions of this article shall not be
invalidated solely because of the failure of any person to comply
with this article.  However, any person who willfully violates any
provision of this article shall be liable in the amount of  actual
damages suffered by the vendor or purchaser as the proximate result
of the violation.
   No person may be held liable in any action under this article if
it is shown by a preponderance of the evidence that the violation was
not intentional and resulted from a bona fide error notwithstanding
the maintenance of procedures reasonably adopted to avoid any such
error.
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Last modified: January 12, 2009