We build LicensingPath™ by RegulatoryPath™ reports line by line from published agency pages, statutes and rules. Every Verified item carries a source cite and a checked date. Where published sources don't answer a point, the paid report keeps the sourced facts and labels that item “Unpublished, confirm with agency” or “Consult an attorney.” We do not draw a licensing conclusion.
LicensingPath™ by RegulatoryPath™ covers consumer installment licensing for every jurisdiction shown as live at checkout on regulatorypath.app (today: all 50 U.S. states and DC — 51 jurisdictions).
Research and filing preparation only. Not legal advice. Licensing determinations belong to the client's counsel.
The details below come from our California Financing Law (CFL) research. The license name, statute, scope and statutory carve-outs were verified on Nov 3, 2026, unchanged from our Oct 22, 2026 check. The agency details were re-verified on Nov 5, 2026, also unchanged. Fees, filing steps, bonds, net worth, rate tables and bank-partner questions are covered in the paid report.
Verified · Last checked Nov 3, 2026
Finance lender = anyone in the business of making consumer or commercial loans (§22009). Consumer loan = a loan, secured by real or personal property or unsecured, intended primarily for personal, family or household purposes (§22203), plus business-purpose loans under $5,000 (§22204). No person may engage in the business of a finance lender without a license (§22100(a)). Consumer loans are governed by Ch. 1, Ch. 2 and Ch. 4 Arts. 1-2 (§22001(b)).
Whether any particular program needs a CFL license is for the client's counsel. We do not make that call.
Agency · Verified · Last checked Nov 5, 2026
California Department of Financial Protection and Innovation (DFPI), CFL Licensing, 320 W. 4th Street, Suite 750, Los Angeles, CA 90013; CFL.inquiries@dfpi.ca.gov.
Statute · Verified · Last checked Nov 3, 2026
California Financing Law, Fin. Code §22000 et seq. (Division 9); licensing §§22100-22112; consumer loans Ch. 2 (§22200 et seq.); rates Ch. 2 Art. 3 (§22300 et seq.); open-end Ch. 2 Art. 5 (§22450 et seq.). Regs: 10 CCR §1404 et seq.
Verified · Last checked Nov 3, 2026
California Financing Law (CFL) license, as finance lender, broker, or both.
Verified · Last checked Nov 3, 2026
Cited carve-outs (§22050): persons doing business under state or federal law relating to banks, trust companies, savings and loans, insurance premium finance agencies, credit unions, small business investment companies, community advantage lenders, California BIDCOs, licensed pawnbrokers acting under that license; check cashers holding a permit and §23005 deferred-deposit licensees acting under those authorities; colleges making education loans; licensed broker-dealers; persons making 5 or fewer commercial loans a year incidental to their business; certain public entities. This list covers §22050 only. Whether an applicant qualifies for an exemption under §22050 is a question for counsel.
| Free (this page) | Paid LicensingPath™ California report |
|---|---|
| CFL scope (sourced) | Application, investigation, NMLS and assessment fee details |
| DFPI + CFL cites with checked dates | Bond, net worth, filing channel, timelines, Live Scan / forms |
| License name as published | Rate and open-end details; bank-partner open points |
| §22050 carve-outs named (no applicant call) | Every item labeled Verified, "Unpublished, confirm with agency" or "Consult an attorney" |
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Is this legal advice?
No. Research and filing preparation only. Not legal advice. Licensing determinations belong to the client's counsel.
Which California agency is named in our verified research?
The Department of Financial Protection and Innovation (DFPI), CFL Licensing, verified against the agency's own source and last checked Nov 5, 2026.
What statute does our verified research cite?
The California Financing Law, Fin. Code §22000 et seq., checked Nov 3, 2026.
Does a §22050 carve-out mean my company is exempt?
We do not apply carve-outs to applicants. Whether an applicant qualifies for an exemption under §22050 is a question for counsel.