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	<ns0:Description>
		<ns0:Id>20250SB__069498AMD</ns0:Id>
		<ns0:VersionNum>98</ns0:VersionNum>
		<ns0:History>
			<ns0:Action>
				<ns0:ActionText>INTRODUCED</ns0:ActionText>
				<ns0:ActionDate>2025-02-21</ns0:ActionDate>
			</ns0:Action>
			<ns0:Action>
				<ns0:ActionText>AMENDED_ASSEMBLY</ns0:ActionText>
				<ns0:ActionDate>2025-06-23</ns0:ActionDate>
			</ns0:Action>
			<ns0:Action>
				<ns0:ActionText>REVISED</ns0:ActionText>
				<ns0:ActionDate>2025-07-09</ns0:ActionDate>
			</ns0:Action>
		</ns0:History>
		<ns0:LegislativeInfo>
			<ns0:SessionYear>2025</ns0:SessionYear>
			<ns0:SessionNum>0</ns0:SessionNum>
			<ns0:MeasureType>SB</ns0:MeasureType>
			<ns0:MeasureNum>694</ns0:MeasureNum>
			<ns0:MeasureState>AMD</ns0:MeasureState>
		</ns0:LegislativeInfo>
		<ns0:AuthorText authorType="LEAD_AUTHOR">Introduced by Senators Archuleta and Cervantes</ns0:AuthorText>
		<ns0:AuthorText authorType="PRINCIPAL_COAUTHOR_OPPOSITE">(Principal Coauthor: Assembly Member Schiavo)</ns0:AuthorText>
		<ns0:AuthorText authorType="COAUTHOR_OPPOSITE">(Coauthors: Assembly Members Jeff Gonzalez and Stefani)</ns0:AuthorText>
		<ns0:Authors>
			<ns0:Legislator>
				<ns0:Contribution>LEAD_AUTHOR</ns0:Contribution>
				<ns0:House>SENATE</ns0:House>
				<ns0:Name>Archuleta</ns0:Name>
			</ns0:Legislator>
			<ns0:Legislator>
				<ns0:Contribution>LEAD_AUTHOR</ns0:Contribution>
				<ns0:House>SENATE</ns0:House>
				<ns0:Name>Cervantes</ns0:Name>
			</ns0:Legislator>
			<ns0:Legislator>
				<ns0:Contribution>PRINCIPAL_COAUTHOR</ns0:Contribution>
				<ns0:House>ASSEMBLY</ns0:House>
				<ns0:Name>Schiavo</ns0:Name>
			</ns0:Legislator>
			<ns0:Legislator>
				<ns0:Contribution>COAUTHOR</ns0:Contribution>
				<ns0:House>ASSEMBLY</ns0:House>
				<ns0:Name>Jeff Gonzalez</ns0:Name>
			</ns0:Legislator>
			<ns0:Legislator>
				<ns0:Contribution>COAUTHOR</ns0:Contribution>
				<ns0:House>ASSEMBLY</ns0:House>
				<ns0:Name>Stefani</ns0:Name>
			</ns0:Legislator>
		</ns0:Authors>
		<ns0:Title> An act to amend Section 1770 of the Civil Code, and to amend Section 401 of the Military and Veterans Code, relating to unfair business practices.</ns0:Title>
		<ns0:RelatingClause>unfair business practices</ns0:RelatingClause>
		<ns0:GeneralSubject>
			<ns0:Subject>Deceptive practices: service members and veterans.</ns0:Subject>
		</ns0:GeneralSubject>
		<ns0:DigestText>
			<html:p>The Consumers Legal Remedies Act makes unlawful certain unfair methods of competition and certain unfair or deceptive acts or practices undertaken by a person in a transaction intended to result or that results in the sale or lease of goods or services to a consumer, including charging or receiving an unreasonable fee, as defined, to prepare, aid, or advise any prospective applicant, applicant, or recipient in the procurement, maintenance, or securing of public social services, as defined to include, among other things, veterans pensions.</html:p>
			<html:p>This bill would expand the definition of public social services to also include other veterans benefits. The bill would also expand the definition of an unreasonable fee to include a fee charged with respect to federal veterans
		benefits that exceeds the amount that could be charged for those services by an attorney or claims agent accredited by the United States Department of Veterans Affairs.</html:p>
			<html:p>Existing law prohibits a person from, in connection with any transaction or any sale of goods or services, electronically accessing a Common Access Card (CAC) issued to a service member, placing or requiring the placement of such a CAC in a smart card reader, requesting or requesting entry of the personal identification number (PIN) associated with such a CAC, or requiring a service member to log in to any United States Department of Defense or, in the case of a member of the United States Coast Guard, United States Department of Homeland Security computer system. Existing law makes void a transaction or sale entered into in violation of these provisions.</html:p>
			<html:p>This bill would extend the above-described restrictions to prohibit requiring a former or current
		service member to log in or share their credentials for accessing, or accessing with another person’s credentials, any United States Department of Defense, United States Department of Veterans Affairs, or United States Department of Homeland Security computer system. Except as provided, the bill would prohibit a person from, in connection with any transaction or any sale of goods or services, directly or indirectly soliciting, contracting for, charging, or receiving, or attempting to solicit, contract for, charge, or receive, any fee or compensation with respect to the preparation, presentation, or prosecution of any claim for benefits under the laws administered by the United States Department of Veterans Affairs. The bill would also make void a contract performed in violation of these provisions. The bill would make violations of these provisions a misdemeanor. By expanding the scope of a crime, this bill would impose a state-mandated local program.</html:p>
			<html:p>The California Constitution requires the state to reimburse local agencies and school districts for certain costs mandated by the state. Statutory provisions establish procedures for making that reimbursement.</html:p>
			<html:p>This bill would provide that no reimbursement is required by this act for a specified reason.</html:p>
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			<ns0:VoteRequired>MAJORITY</ns0:VoteRequired>
			<ns0:Appropriation>NO</ns0:Appropriation>
			<ns0:FiscalCommittee>YES</ns0:FiscalCommittee>
			<ns0:LocalProgram>YES</ns0:LocalProgram>
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	</ns0:Description>
	<ns0:Bill id="bill">
		<ns0:Preamble>The people of the State of California do enact as follows:</ns0:Preamble>
		<ns0:BillSection id="id_378BB8C2-AE59-480F-9640-95CD3320B0DC">
			<ns0:Num>SECTION 1.</ns0:Num>
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				Section 1770 of the 
				<ns0:DocName>Civil Code</ns0:DocName>
				 is amended to read:
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					<ns0:Num>1770.</ns0:Num>
					<ns0:LawSectionVersion id="id_E044FC83-F27D-4E49-A006-CC29533C315E">
						<ns0:Content>
							<html:p>
								(a)
								<html:span class="EnSpace"/>
								The unfair methods of competition and unfair or deceptive acts or practices listed in this subdivision undertaken by any person in a transaction intended to result or that results in the sale or lease of goods or services to any consumer are unlawful:
							</html:p>
							<html:p>
								(1)
								<html:span class="EnSpace"/>
								Passing off goods or services as those of another.
							</html:p>
							<html:p>
								(2)
								<html:span class="EnSpace"/>
								Misrepresenting the source, sponsorship, approval, or certification of goods or services.
							</html:p>
							<html:p>
								(3)
								<html:span class="EnSpace"/>
								Misrepresenting the affiliation, connection, or association with, or certification by, another.
							</html:p>
							<html:p>
								(4)
								<html:span class="EnSpace"/>
								Using deceptive representations or designations of geographic origin in
				  connection with goods or services.
							</html:p>
							<html:p>
								(5)
								<html:span class="EnSpace"/>
								Representing that goods or services have sponsorship, approval, characteristics, ingredients, uses, benefits, or quantities that they do not have or that a person has a sponsorship, approval, status, affiliation, or connection that the person does not have.
							</html:p>
							<html:p>
								(6)
								<html:span class="EnSpace"/>
								Representing that goods are original or new if they have deteriorated unreasonably or are altered, reconditioned, reclaimed, used, or secondhand.
							</html:p>
							<html:p>
								(7)
								<html:span class="EnSpace"/>
								Representing that goods or services are of a particular standard, quality, or grade, or that goods are of a particular style or model, if they are of another.
							</html:p>
							<html:p>
								(8)
								<html:span class="EnSpace"/>
								Disparaging the goods, services, or business of another by false or misleading representation of fact.
							</html:p>
							<html:p>
								(9)
								<html:span class="EnSpace"/>
								Advertising goods or services with intent not to sell them as advertised.
							</html:p>
							<html:p>
								(10)
								<html:span class="EnSpace"/>
								Advertising goods or services with intent not to supply reasonably expectable demand, unless the advertisement discloses a limitation of quantity.
							</html:p>
							<html:p>
								(11)
								<html:span class="EnSpace"/>
								Advertising furniture without clearly indicating that it is unassembled if that is the case.
							</html:p>
							<html:p>
								(12)
								<html:span class="EnSpace"/>
								Advertising the price of unassembled furniture without clearly indicating the assembled price of that furniture if the same furniture is available assembled from the seller.
							</html:p>
							<html:p>
								(13)
								<html:span class="EnSpace"/>
								Making false or misleading statements of fact concerning reasons for, existence of, or amounts of, price reductions.
							</html:p>
							<html:p>
								(14)
								<html:span class="EnSpace"/>
								Representing that a transaction confers or involves rights, remedies, or obligations that it does not have or involve, or that are prohibited by law.
							</html:p>
							<html:p>
								(15)
								<html:span class="EnSpace"/>
								Representing that a part, replacement, or repair service is needed when it is not.
							</html:p>
							<html:p>
								(16)
								<html:span class="EnSpace"/>
								Representing that the subject of a transaction has been supplied in accordance with a previous representation when it has not.
							</html:p>
							<html:p>
								(17)
								<html:span class="EnSpace"/>
								Representing that the consumer will receive a rebate, discount, or other economic benefit, if the earning of the benefit is contingent on an event to occur subsequent to the consummation of the transaction.
							</html:p>
							<html:p>
								(18)
								<html:span class="EnSpace"/>
								Misrepresenting the authority of a salesperson, representative, or agent to negotiate the final terms of a transaction with a consumer.
							</html:p>
							<html:p>
								(19)
								<html:span class="EnSpace"/>
								Inserting an unconscionable provision in the contract.
							</html:p>
							<html:p>
								(20)
								<html:span class="EnSpace"/>
								Advertising that a product is being offered at a specific price plus a specific percentage of that price unless (A) the total price is set forth in the advertisement, which may include, but is not limited to, shelf tags, displays, and media advertising, in a size larger than any other price in that advertisement, and (B) the specific price plus a specific percentage of that price represents a markup from the seller’s costs or from the wholesale price of the product. This subdivision shall not apply to in-store advertising by businesses that are open only to members or cooperative organizations organized pursuant to Division 3 (commencing with Section 12000) of Title 1 of the Corporations Code if more than 50 percent of purchases are made at the specific price set forth in the advertisement.
							</html:p>
							<html:p>
								(21)
								<html:span class="EnSpace"/>
								Selling or leasing goods in violation of Chapter 4 (commencing with Section 1797.8) of Title 1.7.
							</html:p>
							<html:p>
								(22)
								<html:span class="EnSpace"/>
								(A)
								<html:span class="EnSpace"/>
								Disseminating an unsolicited prerecorded message by telephone without an unrecorded, natural voice first informing the person answering the telephone of the name of the caller or the organization being represented, and either the address or the telephone number of the caller, and without obtaining the consent of that person to listen to the prerecorded message.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								This subdivision does not apply to a message disseminated to a business associate, customer, or other person having an established relationship with the person or organization making the call, to a call for the purpose of collecting an existing obligation, or to any call generated at the request of the recipient.
							</html:p>
							<html:p>
								(23)
								<html:span class="EnSpace"/>
								(A)
								<html:span class="EnSpace"/>
								The home solicitation, as defined in subdivision (h) of Section 1761, of a consumer who is a senior citizen where a loan or assessment is made encumbering the primary residence of that consumer for purposes of paying for home improvements and where the transaction is part of a pattern or practice in violation any of the following:
							</html:p>
							<html:p>
								(i)
								<html:span class="EnSpace"/>
								Subsection (h) or (i) of Section 1639 of Title 15 of the United States Code.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								Paragraph (1), (2), or (4) of subdivision (a) of Section 226.34 of Title 12 of the Code of Federal Regulations.
							</html:p>
							<html:p>
								(iii)
								<html:span class="EnSpace"/>
								Section 22684, 22685, 22686, or 22687 of the Financial Code.
							</html:p>
							<html:p>
								(iv)
								<html:span class="EnSpace"/>
								Section 5898.16, 5898.17, 5913, 5922, 5923, 5924, 5925, 5926, or
				  5940 of the Streets and Highways Code.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								A third party shall not be liable under this subdivision unless (i) there was an agency relationship between the party who engaged in home solicitation and the third party, or (ii) the third party had actual knowledge of, or participated in, the unfair or deceptive transaction. A third party who is a holder in due course under a home solicitation transaction shall not be liable under this subdivision.
							</html:p>
							<html:p>
								(24)
								<html:span class="EnSpace"/>
								(A)
								<html:span class="EnSpace"/>
								Charging or receiving an unreasonable fee to prepare, aid, or advise any prospective applicant, applicant, or recipient in the procurement, maintenance, or securing of public social services.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								For purposes of this paragraph:
							</html:p>
							<html:p>
								(i)
								<html:span class="EnSpace"/>
								“Public social services” means those activities and
				  functions of state and local government administered or supervised by the State Department of Health Care Services, the State Department of Public Health, or the State Department of Social Services, and involved in providing aid or services, or both, including health care services, and medical assistance, to those persons who, because of their economic circumstances or social condition, are in need of that aid or those services and may benefit from them.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								“Public social services” also includes activities and functions administered or supervised by the United States Department of Veterans Affairs or the California Department of Veterans Affairs involved in providing aid or services, or both, to veterans, including pension and other benefits.
							</html:p>
							<html:p>
								(iii)
								<html:span class="EnSpace"/>
								“Unreasonable fee” means
				  a fee that is either or both of the following:
							</html:p>
							<html:p>
								(I)
								<html:span class="EnSpace"/>
								Exorbitant and disproportionate to the services performed. Factors to be considered, if appropriate, are based on the circumstances existing at the time of the service and shall include, but not be limited to, all of the following:
							</html:p>
							<html:p>
								(ia)
								<html:span class="EnSpace"/>
								The time and effort required.
							</html:p>
							<html:p>
								(ib)
								<html:span class="EnSpace"/>
								The novelty and difficulty of the services.
							</html:p>
							<html:p>
								(ic)
								<html:span class="EnSpace"/>
								The skill required to perform the services.
							</html:p>
							<html:p>
								(id)
								<html:span class="EnSpace"/>
								The nature and length of the professional relationship.
							</html:p>
							<html:p>
								(ie)
								<html:span class="EnSpace"/>
								The experience, reputation, and ability of the
				  person providing the services.
							</html:p>
							<html:p>
								(II)
								<html:span class="EnSpace"/>
								Charged with respect to federal veterans benefits that exceeds the amount that could be charged for those services by an attorney or claims agent accredited by the United States Department of Veterans Affairs.
							</html:p>
							<html:p>
								(C)
								<html:span class="EnSpace"/>
								This paragraph shall not apply to attorneys licensed to practice law in California, who are subject to the California Rules of Professional Conduct and to the mandatory fee arbitration provisions of Article 13 (commencing with Section 6200) of Chapter 4 of Division 3 of the Business and Professions Code, when the fees charged or received are for providing representation in administrative agency appeal proceedings or court proceedings for purposes of procuring, maintaining, or securing public social services on behalf of a person
				  or group of persons.
							</html:p>
							<html:p>
								(25)
								<html:span class="EnSpace"/>
								(A)
								<html:span class="EnSpace"/>
								Advertising or promoting any event, presentation, seminar, workshop, or other public gathering regarding veterans’ benefits or entitlements that does not include the following statement in the same type size and font as the term “veteran” or any variation of that term:
							</html:p>
							<html:p>
								(i)
								<html:span class="EnSpace"/>
								“I am not authorized to file an initial application for Veterans’ Aid and Attendance benefits on your behalf, or to represent you before the Board of Veterans’ Appeals within the United States Department of Veterans Affairs in any proceeding on any matter, including an application for those benefits. It would be illegal for me to accept a fee for preparing that application on your behalf.” The requirements of this clause do not apply to a person licensed to act as an agent or attorney in proceedings before the Agency of Original Jurisdiction and the Board of
				  Veterans’ Appeals within the United States Department of Veterans Affairs when that person is offering those services at the advertised event.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								The statement in clause (i) shall also be disseminated, both orally and in writing, at the beginning of any event, presentation, seminar, workshop, or public gathering regarding veterans’ benefits or entitlements.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								Advertising or promoting any event, presentation, seminar, workshop, or other public gathering regarding veterans’ benefits or entitlements that is not sponsored by, or affiliated with, the United States Department of Veterans Affairs, the California Department of Veterans Affairs, or any other congressionally chartered or recognized organization of honorably discharged members of the Armed Forces of the United States, or any of their auxiliaries that does not include the following statement, in the same type size and
				  font as the term “veteran” or the variation of that term:
							</html:p>
							<html:br/>
							<html:p>“This event is not sponsored by, or affiliated with, the United States Department of Veterans Affairs, the California Department of Veterans Affairs, or any other congressionally chartered or recognized organization of honorably discharged members of the Armed Forces of the United States, or any of their auxiliaries. None of the insurance products promoted at this sales event are endorsed by those organizations, all of which offer free advice to veterans about how to qualify and apply for benefits.”</html:p>
							<html:br/>
							<html:p>
								(i)
								<html:span class="EnSpace"/>
								The statement in this subparagraph shall be disseminated, both orally and in writing, at the beginning of any event, presentation, seminar, workshop, or public gathering regarding veterans’ benefits or entitlements.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								The requirements of this subparagraph shall not apply in a case where the United States Department of Veterans Affairs, the California Department of Veterans Affairs, or other congressionally chartered or recognized organization of honorably discharged members of the Armed Forces of the United States, or any of their auxiliaries have granted written permission to the advertiser or promoter for the use of its name, symbol, or insignia to advertise or promote the event, presentation, seminar, workshop, or other public gathering.
							</html:p>
							<html:p>
								(26)
								<html:span class="EnSpace"/>
								Advertising, offering for sale, or selling a financial product that is illegal under state or federal law, including any cash payment for the assignment to a third party of the consumer’s right to receive future pension or veteran’s benefits.
							</html:p>
							<html:p>
								(27)
								<html:span class="EnSpace"/>
								Representing that a product is made in
				  California by using a Made in California label created pursuant to Section 12098.10 of the Government Code, unless the product complies with Section 12098.10 of the Government Code.
							</html:p>
							<html:p>
								(28)
								<html:span class="EnSpace"/>
								(A)
								<html:span class="EnSpace"/>
								Failing to include either of the following in a solicitation by a covered person, or an entity acting on behalf of a covered person, to a consumer for a consumer financial product or service:
							</html:p>
							<html:p>
								(i)
								<html:span class="EnSpace"/>
								The name of the covered person, and, if applicable, the entity acting on behalf of the covered person, and relevant contact information, including a mailing address and telephone number.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								(I)
								<html:span class="EnSpace"/>
								The following disclosure statement in at least 18-point bold type and in the language in which a solicitation described by this paragraph is drafted: “THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO
				  MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER.”
							</html:p>
							<html:p>
								(II)
								<html:span class="EnSpace"/>
								(ia)
								<html:span class="EnSpace"/>
								The disclosure statement described in subclause (I) shall appear in at least 16-point bold type on the front of an envelope that contains a solicitation described by this paragraph.
							</html:p>
							<html:p>
								(ib)
								<html:span class="EnSpace"/>
								This subclause applies only to solicitations made by physical mail.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								For purposes of this paragraph:
							</html:p>
							<html:p>
								(i)
								<html:span class="EnSpace"/>
								“Consumer financial product or service” has the same meaning as defined in Section 90005 of the Financial Code.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								(I)
								<html:span class="EnSpace"/>
								“Covered person” has the same meaning as defined in Section 90005 of the Financial Code.
							</html:p>
							<html:p>
								(II)
								<html:span class="EnSpace"/>
								“Covered person” does not mean an entity exempt from Division 24 (commencing with Section 90000) of the Financial Code pursuant to Section 90002 of the Financial Code.
							</html:p>
							<html:p>
								(iii)
								<html:span class="EnSpace"/>
								“Solicitation” means an advertisement or marketing communication through writing or graphics that is directed to, or likely to give the impression of being directed to, an individually identified person, residence, or business location. “Solicitation” does not include any of the following:
							</html:p>
							<html:p>
								(I)
								<html:span class="EnSpace"/>
								Communication through a mass advertisement, including in a catalog, on a radio or television broadcast, or on a publicly accessible internet website, if that communication is not directed to, or is not likely to give the impression of being directed to, an individually identified person, residence, or business location.
							</html:p>
							<html:p>
								(II)
								<html:span class="EnSpace"/>
								Communication
				  via a telephone, mail, or electronic communication that was initiated by a consumer.
							</html:p>
							<html:p>
								(III)
								<html:span class="EnSpace"/>
								A written credit or insurance solicitation that is subject to the disclosure requirements of subsection (d) of Section 1681m of Title 15 of the United States Code.
							</html:p>
							<html:p>
								(29)
								<html:span class="EnSpace"/>
								(A)
								<html:span class="EnSpace"/>
								Advertising, displaying, or offering a price for a good or service that does not include all mandatory fees or charges other than either of the following:
							</html:p>
							<html:p>
								(i)
								<html:span class="EnSpace"/>
								Taxes or fees imposed by a government on the transaction.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								Postage or carriage charges that will be reasonably and actually incurred to ship the physical good to the consumer.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								Compliance by a person providing broadband internet access service on
				  its own or as part of a bundle, as defined in Section 8.1(b) of Title 47 of the Code of Federal Regulations, with the broadband consumer label requirements adopted by the Federal Communications Commission in FCC 22-86 on November 14, 2022, codified in Section 8.1(a) of Title 47 of the Code of Federal Regulations, shall be deemed compliance with this paragraph.
							</html:p>
							<html:p>
								(C)
								<html:span class="EnSpace"/>
								(i)
								<html:span class="EnSpace"/>
								For purposes of this subparagraph, “financial entity” means an entity that is exempt from Division 24 (commencing with Section 90000) of the Financial Code pursuant to Section 90002 of the Financial Code.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								A financial entity that is required to provide disclosures in compliance with any of the following federal or state acts or regulations with respect to a financial transaction is exempt from this paragraph for purposes of that financial transaction:
							</html:p>
							<html:p>
								(I)
								<html:span class="EnSpace"/>
								The federal Truth in Savings Act, as amended (12 U.S.C. Sec. 4301 et seq.).
							</html:p>
							<html:p>
								(II)
								<html:span class="EnSpace"/>
								The federal Electronic Fund Transfer Act, as amended (15 U.S.C. Sec. 1693 et seq.).
							</html:p>
							<html:p>
								(III)
								<html:span class="EnSpace"/>
								Section 19 of the Federal Reserve Act, as amended (12 U.S.C. Sec. 461 et seq.).
							</html:p>
							<html:p>
								(IV)
								<html:span class="EnSpace"/>
								The federal Truth in Lending Act, as amended (15 U.S.C. Sec. 1601 et seq.).
							</html:p>
							<html:p>
								(V)
								<html:span class="EnSpace"/>
								The federal Real Estate Settlement Procedures Act, as amended (12 U.S.C. Sec. 2601 et seq.).
							</html:p>
							<html:p>
								(VI)
								<html:span class="EnSpace"/>
								The federal Home Ownership and Equity Protection Act (15 U.S.C. Sec. 1639).
							</html:p>
							<html:p>
								(VII)
								<html:span class="EnSpace"/>
								Any regulation adopted pursuant to any of the
				  federal acts in subclauses (I) to (VI), inclusive.
							</html:p>
							<html:p>
								(VIII)
								<html:span class="EnSpace"/>
								The California Financing Law (Division 9 (commencing with Section 22000) of the Financial Code).
							</html:p>
							<html:p>
								(IX)
								<html:span class="EnSpace"/>
								The California Residential Mortgage Lending Act (Division 20 (commencing with Section 50000) of the Financial Code).
							</html:p>
							<html:p>
								(X)
								<html:span class="EnSpace"/>
								The Real Estate Law (Part 1 (commencing with Section 10000) of Division 4 of the Business and Professions Code).
							</html:p>
							<html:p>
								(XI)
								<html:span class="EnSpace"/>
								Any regulation adopted pursuant to any of the state acts in subclauses (VIII) to (X), inclusive.
							</html:p>
							<html:p>
								(D)
								<html:span class="EnSpace"/>
								(i)
								<html:span class="EnSpace"/>
								Subject to clause (ii), this paragraph does not apply to a mandatory fee or charge for individual food or beverage items sold directly to a customer by a restaurant, bar,
				  food concession, grocery store, or grocery delivery service, or by means of a menu or contract for banquet or catering services that fully discloses the terms of service.
							</html:p>
							<html:p>
								(ii)
								<html:span class="EnSpace"/>
								A mandatory fee or charge under clause (i) shall be clearly and conspicuously displayed, with an explanation of its purpose, on any advertisement, menu, or other display that contains the price of the food or beverage item.
							</html:p>
							<html:p>
								(iii)
								<html:span class="EnSpace"/>
								“Grocery delivery service” means a company owned by, or under contract with, a grocery store or distributor that delivers food, primarily fresh produce, meat, poultry, fish, deli products, dairy products, perishable beverages, baked foods, and prepared foods, from the grocery store or distributor to a consumer.
							</html:p>
							<html:p>
								(iv)
								<html:span class="EnSpace"/>
								The exemption in this subparagraph does not apply to a “third-party food delivery platform,” as defined
				  in Section 113930.5 of the Health and Safety Code, or any other food delivery platform.
							</html:p>
							<html:p>
								(b)
								<html:span class="EnSpace"/>
								(1)
								<html:span class="EnSpace"/>
								It is an unfair or deceptive act or practice for a mortgage broker or lender, directly or indirectly, to use a home improvement contractor to negotiate the terms of any loan that is secured, whether in whole or in part, by the residence of the borrower and that is used to finance a home improvement contract or any portion of a home improvement contract. For purposes of this subdivision, “mortgage broker or lender” includes a finance lender licensed pursuant to the California Financing Law (Division 9 (commencing with Section 22000) of the Financial Code), a residential mortgage lender licensed pursuant to the California Residential Mortgage Lending Act (Division 20 (commencing with Section 50000) of the Financial Code), or a real estate broker licensed under the Real Estate Law (Division 4 (commencing with Section 10000) of the
				  Business and Professions Code).
							</html:p>
							<html:p>
								(2)
								<html:span class="EnSpace"/>
								This section shall not be construed to either authorize or prohibit a home improvement contractor from referring a consumer to a mortgage broker or lender by this subdivision. However, a home improvement contractor may refer a consumer to a mortgage lender or broker if that referral does not violate Section 7157 of the Business and Professions Code or any other law. A mortgage lender or broker may purchase an executed home improvement contract if that purchase does not violate Section 7157 of the Business and Professions Code or any other law. Nothing in this paragraph shall have any effect on the application of Chapter 1 (commencing with Section 1801) of Title 2 to a home improvement transaction or the financing of a home improvement transaction.
							</html:p>
							<html:p>
								(c)
								<html:span class="EnSpace"/>
								As of July 1, 2025, any disclosure, advertisement, or notice that is required to be “clearly”
				  or “clearly and conspicuously” made must have text that is “clear and conspicuous,” as defined in subdivision (u) of Section 1791.
							</html:p>
							<html:p>
								(d)
								<html:span class="EnSpace"/>
								This section shall become operative on July 1, 2024.
							</html:p>
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		<ns0:BillSection id="id_9F8E6FF4-B1DD-47A2-90C8-172FA00269B1">
			<ns0:Num>SEC. 2.</ns0:Num>
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				Section 401 of the 
				<ns0:DocName>Military and Veterans Code</ns0:DocName>
				 is amended to read:
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					<ns0:Num>401.</ns0:Num>
					<ns0:LawSectionVersion id="id_E2D2B084-F739-4B85-A4D7-8D2A51DC3C0E">
						<ns0:Content>
							<html:p>
								(a)
								<html:span class="EnSpace"/>
								Application by a service member for, or receipt by a service member of, a stay, postponement, or suspension pursuant to this chapter in the payment of any tax, fine, penalty, insurance premium, or other civil obligation or liability of that person shall not itself, without regard to other considerations, provide the basis for any of the following:
							</html:p>
							<html:p>
								(1)
								<html:span class="EnSpace"/>
								A determination by any lender or other person that the service member is unable to pay any civil obligation or liability in accordance with its terms.
							</html:p>
							<html:p>
								(2)
								<html:span class="EnSpace"/>
								With respect to a credit transaction between a creditor and the service member, any of the following:
							</html:p>
							<html:p>
								(A)
								<html:span class="EnSpace"/>
								A denial or revocation of
				  credit by the creditor.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								A change by the creditor in the terms of an existing credit arrangement.
							</html:p>
							<html:p>
								(C)
								<html:span class="EnSpace"/>
								A refusal by the creditor to grant credit to the service member in substantially the amount or on substantially the terms requested.
							</html:p>
							<html:p>
								(3)
								<html:span class="EnSpace"/>
								An adverse report relating to the creditworthiness of the service member by or to any person or entity engaged in the practice of assembling or evaluating consumer credit information.
							</html:p>
							<html:p>
								(4)
								<html:span class="EnSpace"/>
								A refusal by an insurer to insure the service member.
							</html:p>
							<html:p>
								(5)
								<html:span class="EnSpace"/>
								An annotation in a service member’s record by a creditor or a person engaged in the practice of assembling or evaluating consumer credit information identifying the service member as a member of the active
				  militia, as defined in Section 120, or an active or reserve component of the Armed Forces.
							</html:p>
							<html:p>
								(b)
								<html:span class="EnSpace"/>
								A person shall not, in connection with the collection of any obligation, including any debt or payment, falsely claim to be a member or civilian employee of the Armed Forces, a component of the active militia, as defined in Section 120, the United States Department of Defense, the United States Department of Homeland Security, or the Military Department, or identify themselves through the use of any military rank, rating, or title.
							</html:p>
							<html:p>
								(c)
								<html:span class="EnSpace"/>
								A person shall not, in connection with the collection of any obligation, including any debt or payment, from a member of the active militia,
				  as defined in Section 120, or a member of an active or reserve component of the Armed Forces, contact the member’s military unit or chain of command without the written consent of the member given after the obligation becomes due and payable.
							</html:p>
							<html:p>
								(d)
								<html:span class="EnSpace"/>
								(1)
								<html:span class="EnSpace"/>
								A person shall not, in connection with any transaction or any sale of goods or services, do any of the following:
							</html:p>
							<html:p>
								(A)
								<html:span class="EnSpace"/>
								Electronically
				  access a Common Access Card (CAC) issued to a service member, place or require the placement of such a CAC in a smart card reader, or
				  request or require entry of the personal identification number (PIN) associated with such a
				  CAC.
							</html:p>
							<html:p>
								(B)
								<html:span class="EnSpace"/>
								Require a current or former service member to log in to or share their credentials for accessing any United States Department of
				  Defense, United States Department of Veterans Affairs, or United States Department of Homeland Security computer system.
							</html:p>
							<html:p>
								(C)
								<html:span class="EnSpace"/>
								Access a United States Department of Defense, United States Department of Veterans Affairs, or United States Department of Homeland Security computer system with another person’s credentials.
							</html:p>
							<html:p>
								(2)
								<html:span class="EnSpace"/>
								A transaction or sale entered into or performed
				  in violation of this subdivision is void.
							</html:p>
							<html:p>
								(e)
								<html:span class="EnSpace"/>
								Except as provided in Sections 1984 and 5904 of Title 38 of the United States Code, a person shall not directly or indirectly solicit, contract for, charge, or receive, or attempt to solicit, contract for, charge, or receive, any fee or compensation with respect to the preparation, presentation, or prosecution of any claim for benefits under the laws administered by the United States Department of Veterans Affairs.
							</html:p>
							<html:p>
								(f)
								<html:span class="EnSpace"/>
								(1)
								<html:span class="EnSpace"/>
								A person shall not condition the receipt of a military or veteran discount, in any form, on the waiver by a recipient of the discount of any right the person has under state or federal law. Any such waiver is void.
							</html:p>
							<html:p>
								(2)
								<html:span class="EnSpace"/>
								Any other waiver of a right provided to service members, former service members, or their dependents by this code is void.
							</html:p>
							<html:p>
								(g)
								<html:span class="EnSpace"/>
								Any person violating any provision of this section is liable for actual damages, reasonable attorney’s fees, and costs incurred by the injured party.
							</html:p>
							<html:p>
								(h)
								<html:span class="EnSpace"/>
								Any person violating any provision of this section is guilty of a misdemeanor, and shall be punishable by imprisonment not to exceed one year or by a fine not to exceed one thousand dollars ($1,000), or both.
							</html:p>
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		<ns0:BillSection id="id_80ACC63C-D6E5-4398-AEDF-99A15D8794D4">
			<ns0:Num>SEC. 3.</ns0:Num>
			<ns0:Content>
				<html:p>
					No reimbursement is required by this act pursuant to Section 6 of Article XIII
					<html:span class="ThinSpace"/>
					B of the California Constitution because the only costs that may be incurred by a local agency or school district will be incurred because this act creates a new crime or infraction, eliminates a crime or infraction, or changes the penalty for a crime or infraction, within the meaning of Section 17556 of the Government Code, or changes the definition of a crime within the meaning of Section 6 of Article XIII
					<html:span class="ThinSpace"/>
					B of the California Constitution.
				</html:p>
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	 REVISIONS:</ns0:Correction>
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	 Heading—Lines 1 and 2.</ns0:Correction>
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