California Civil Code ARTICLE 10 - Retail Installment Accounts

• Section 1810.
  For the purposes of this article, a retail installment account agreement shall be deemed to be accepted by the buyer if (1) the buyer signs...
• Section 1810.1.
  Notwithstanding any other provisions of this article to the contrary, before the first transaction is made on any retail installment account, the seller shall disclose...
• Section 1810.2.
  Subject to the other provisions of this article, the seller or holder of a retail installment account may charge, receive and collect a finance charge...
• Section 1810.3.
  (a) Except in the case of an account which the seller deems to be uncollectible or with respect to which delinquency collection procedures have been instituted,...
• Section 1810.4.
  The finance charge shall include all charges incident to investigating and making the retail installment account. No fee, expense, delinquency, collection, or other charge whatsoever...
• Section 1810.5.
  If the cost of any insurance is to be separately charged to the buyer, there shall be an agreement to this effect, signed by both...
• Section 1810.6.
  Nothing in this article prohibits the execution of an agreement between a buyer and seller whereby the seller retains a security interest in goods sold...
• Section 1810.7.
  No retail installment account shall require or entail the execution of any note or series of notes by the buyer which when separately negotiated will...
• Section 1810.8.
  The provisions of Sections 1806.1 and 1806.4 shall be applicable to retail installment accounts.(Added by renumbering Section 1810.10 by Stats. 1969, Ch. 625.)
• Section 1810.10.a.
  (a) Notwithstanding the provision of any contract to the contrary, except as provided in subdivision (b) or (c), no retail seller shall assess any finance charge...
• Section 1810.11.
  The buyer may request, not more frequently than once a year, that the seller inform the buyer of the total amount of finance charges assessed...
• Section 1810.12.
  (a) Notwithstanding Section 1810.4, a seller or holder of a retail installment account may, subject to subdivision (d) of Section 1810.3, provide that for each installment...

Last modified: October 22, 2018