California § 1788.20. 1788.20. (Amended by Stats. 2024, Ch. 522, Sec. 13.)

California Statutes

§ 1788.20. — 1788.20. (Amended by Stats. 2024, Ch. 522, Sec. 13.)

California § 1788.20.

JurisdictionCalifornia

Code CIVCivil Code - CIV

Div. 3.DIVISION 3. OBLIGATIONS

Title1.6C.

Part 4.TITLE 1.6C. FAIR DEBT COLLECTION PRACTICES

Art. 3.ARTICLE 3. Debtor Responsibilities

This text of California § 1788.20. (1788.20. (Amended by Stats. 2024, Ch. 522, Sec. 13.)) is published on Counsel Stack Legal Research, covering California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Cal. Civil Code - CIV Code § 1788.20. (2026).

Text

In connection with any request or application for covered credit, no person shall:

(a)Request or apply for that credit at a time when that person knows there is no reasonable probability of that person’s being able, or that person then lacks the intention, to pay the obligation created thereby in accordance with the terms and conditions of the credit extension.

(b)Knowingly submit false or inaccurate information or willfully conceal adverse information bearing upon that person’s credit worthiness, credit standing, or credit capacity.

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In connection with any request or application for covered credit, no person shall:
(a)
Request or apply for that credit at a time when that person knows there is no reasonable probability of that person’s being able, or that person then lacks the intention, to pay the obligation created thereby in accordance with the terms and conditions of the credit extension.
(b)
Knowingly submit false or inaccurate information or willfully conceal adverse information bearing upon that person’s credit worthiness, credit standing, or credit capacity.