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As you expected, Ca has enacted legislation imposing rate of interest caps on larger customer loans. The law that is new AB 539, imposes other needs concerning credit scoring, consumer education, maximum loan payment durations, and prepayment charges. What the law states is applicable simply to loans made beneath the Ca funding Law (CFL). 1 Governor Newsom finalized the balance into legislation on 11, 2019 october. The bill happens to be chaptered as Chapter 708 regarding the 2019 Statutes.
The key provisions include as explained in our Client Alert on the bill
- Imposing price caps on all consumer-purpose installment loans, including signature loans, auto loans, and car name loans, also open-end credit lines, in which the number of credit is $2,500 or higher but significantly less than $10,000 (“covered loans”). Before the enactment of AB 539, the CFL currently capped the prices on consumer-purpose loans of significantly less than $2,500.
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