The California Financing Law (CFL) generally regulates loans made by finance lenders, brokers, and program administrators. The CFL authorizes licensees who make a consumer loan to contract for and receive charges with blended rates based on the amount of the money loaned, up to loans of a bona fide principal amount of less than $2,500. The CFL provides that a willful violation of any of its provisions a crime.

The California Deferred Deposit Transaction Law (CDDTL) generally regulates deferred deposit transactions. The CDDTL prohibits the fee for a deferred deposit transaction from exceeding 15% of the face amount of the check. The CDDTL provides that a willful violation of any of its provisions is crime.