Laws & Regulations - DFPI
Source: https://dfpi.ca.gov/rules-enforcement/laws-and-regulations
Archived: 2026-04-23 17:32
Laws & Regulations - DFPI
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Laws & Regulations
Explore the various laws and regulations that guide the work of DFPI. Public participation is critical to the development of new regulations impacting consumer protection in California.
How We Regulate
We regulate a wide variety of financial services, products, and professionals in California. In 2020, our mission broadened to include emerging markets and financial innovations.
California Consumer Financial Protection Law
The California Consumer Financial Protection Law (CCFPL) expands our oversight to include financial activity previously unregulated by the DFPI so we can better protect California consumers and foster responsible innovation.
Legislation Division
The Legislation Division represents the Commissioner and DFPI when communicating with various private, public, and governmental organizations regarding legislation, and analyzes bills to ensure consistent interpretation and application of laws that the DFPI administers and enforces.
Regulations and Rulemaking
Any interested person, or his or her authorized representative, may submit written comments relevant to the proposed regulatory action prior to the end of the comment period set forth in the Notice of Proposed Changes to Regulations to the Department of Financial Protection and Innovation, addressed to:
Regulations Coordinator
California Department of Financial Protection and Innovation
651 Bannon Street, Suite 300
Sacramento, CA 95811
Written comments may also be sent to the Regulations Coordinator by email at
[email protected]
or by fax (916) 322-1559.
Proposed and Approved Regulations (By subject)
Banking Law
Business and Industrial Development Corporations Law
California Consumer Financial Protection Law (CCFPL)
California Deferred Deposit Transaction Law (Payday Lenders)
California Financing Law and Commercial Financing Disclosures
California Financial Information Privacy Act
California Residential Mortgage Lending Act
Capital Access Company Law
Check Sellers, Bill Payers, and Proraters Law
Conflict of Interest
Conflict of Interest Code
Corporate Securities Law of 1968
Credit Union Law
Digital Financial Assets Law
Debt Collection Licensing Act
Depository Corporation Sale, Merger, and Conversion Law
Escrow Law
Franchise Investment Law
Industrial Loan Law
Local Agency Security Law
Money Transmission Act
Property Assessed Clean Energy (PACE) Program
Savings Association Law
Securities Depository Law
Student Loan Servicing
Legal Process Information
Legal Process Information
Central Locations for Service of Legal Process
Opinions and Legal Precedents
Opinion Letters by Subject
General Releases Under Investment, Financial Services and Financial Institutions
Releases under Investment and Financial Services Laws
Releases under Financial Institutions Law
Comment Letters on Rulemaking in Other Jurisdictions
OCC Proposed Preemption of Interest on Impound Accounts:
California has sent a
public comment letter
, joining a slew of other states that
oppose a proposed rule
by the Office of the Comptroller of the Currency (OCC) that would preempt state laws that require national banks to pay minimum interest on mortgage-escrow accounts.
Rulemaking Notices
To receive notices of DFPI rulemaking,
subscribe
to our e-mail subscription service.
Public Records Act Requests
Submit a Public Records Act Request
Guidelines for Requesting Records under the California Public Records Act (PDF)
File a California Public Records Act Request Electronically on DFPI’s Self Service Portal
California Legislative Information
California Financial Code
California Corporations Code
California Code of Regulations
Title 10, Chapter 1
Regulations impacting banks, credit unions, trust companies, premium finance companies, industrial banks, public banks, and money transmitters, among others under the Financial Institutions Law.
Title 1, Chapter 3
Regulations impacting finance lenders and brokers, residential mortgage lenders and servicers, mortgage loan originators, escrow agents, deferred deposit originators, broker-dealers, investment advisers, student loan servicers, securities offerings, franchise offerings, and PACE program administrators, among others.
Fairness Hearings
California Corporations Code section 25142
allows companies interested in issuing securities in a merger or conducting an exchange of outstanding securities to seek a “fairness” hearing as part of its application for qualification of the offer and sale of securities. By this process, applicants may seek an exemption from federal registration as provided by Section 3(a)(10) of the Securities Act of 1933 through a state-law hearing on the fairness of the terms and conditions of the proposed issuance or exchange of securities.
Check
information about Fairness Hearings
.
Check
list of the Department Fairness hearings 2010 – 2020
Stay Connected
Subscribe
Facebook
Twitter
Linked In
YouTube
Instagram
Skip to Main Content
Laws & Regulations
Explore the various laws and regulations that guide the work of DFPI. Public participation is critical to the development of new regulations impacting consumer protection in California.
How We Regulate
We regulate a wide variety of financial services, products, and professionals in California. In 2020, our mission broadened to include emerging markets and financial innovations.
California Consumer Financial Protection Law
The California Consumer Financial Protection Law (CCFPL) expands our oversight to include financial activity previously unregulated by the DFPI so we can better protect California consumers and foster responsible innovation.
Legislation Division
The Legislation Division represents the Commissioner and DFPI when communicating with various private, public, and governmental organizations regarding legislation, and analyzes bills to ensure consistent interpretation and application of laws that the DFPI administers and enforces.
Regulations and Rulemaking
Any interested person, or his or her authorized representative, may submit written comments relevant to the proposed regulatory action prior to the end of the comment period set forth in the Notice of Proposed Changes to Regulations to the Department of Financial Protection and Innovation, addressed to:
Regulations Coordinator
California Department of Financial Protection and Innovation
651 Bannon Street, Suite 300
Sacramento, CA 95811
Written comments may also be sent to the Regulations Coordinator by email at
[email protected]
or by fax (916) 322-1559.
Proposed and Approved Regulations (By subject)
Banking Law
Business and Industrial Development Corporations Law
California Consumer Financial Protection Law (CCFPL)
California Deferred Deposit Transaction Law (Payday Lenders)
California Financing Law and Commercial Financing Disclosures
California Financial Information Privacy Act
California Residential Mortgage Lending Act
Capital Access Company Law
Check Sellers, Bill Payers, and Proraters Law
Conflict of Interest
Conflict of Interest Code
Corporate Securities Law of 1968
Credit Union Law
Digital Financial Assets Law
Debt Collection Licensing Act
Depository Corporation Sale, Merger, and Conversion Law
Escrow Law
Franchise Investment Law
Industrial Loan Law
Local Agency Security Law
Money Transmission Act
Property Assessed Clean Energy (PACE) Program
Savings Association Law
Securities Depository Law
Student Loan Servicing
Legal Process Information
Legal Process Information
Central Locations for Service of Legal Process
Opinions and Legal Precedents
Opinion Letters by Subject
General Releases Under Investment, Financial Services and Financial Institutions
Releases under Investment and Financial Services Laws
Releases under Financial Institutions Law
Comment Letters on Rulemaking in Other Jurisdictions
OCC Proposed Preemption of Interest on Impound Accounts:
California has sent a
public comment letter
, joining a slew of other states that
oppose a proposed rule
by the Office of the Comptroller of the Currency (OCC) that would preempt state laws that require national banks to pay minimum interest on mortgage-escrow accounts.
Rulemaking Notices
To receive notices of DFPI rulemaking,
subscribe
to our e-mail subscription service.
Public Records Act Requests
Submit a Public Records Act Request
Guidelines for Requesting Records under the California Public Records Act (PDF)
File a California Public Records Act Request Electronically on DFPI’s Self Service Portal
California Legislative Information
California Financial Code
California Corporations Code
California Code of Regulations
Title 10, Chapter 1
Regulations impacting banks, credit unions, trust companies, premium finance companies, industrial banks, public banks, and money transmitters, among others under the Financial Institutions Law.
Title 1, Chapter 3
Regulations impacting finance lenders and brokers, residential mortgage lenders and servicers, mortgage loan originators, escrow agents, deferred deposit originators, broker-dealers, investment advisers, student loan servicers, securities offerings, franchise offerings, and PACE program administrators, among others.
Fairness Hearings
California Corporations Code section 25142
allows companies interested in issuing securities in a merger or conducting an exchange of outstanding securities to seek a “fairness” hearing as part of its application for qualification of the offer and sale of securities. By this process, applicants may seek an exemption from federal registration as provided by Section 3(a)(10) of the Securities Act of 1933 through a state-law hearing on the fairness of the terms and conditions of the proposed issuance or exchange of securities.
Check
information about Fairness Hearings
.
Check
list of the Department Fairness hearings 2010 – 2020
Stay Connected
Subscribe
Linked In
YouTube