California § 22312 - No person in connection with or incidental to the making of a loan shall require
Full text of California Public Contract Code - PCC § 22312 — No person in connection with or incidental to the making of a loan shall require, with citation guidance and answers to common questions.
§ 22312. No person in connection with or incidental to the making of a loan shall require
No person in connection with or incidental to the making of a loan shall require the borrower to enter into any collateral sales agreements or contracts, other than the contract of pledge, assignment, or mortgage or personal property, or if otherwise permitted by this division, the deed of trust, mortgage, or lien on real property, by the borrower to the lender as security for the repayment of the loan and charges on the loan. Insurance of the type specified in Section 22313, credit life insurance, and credit disability insurance are not prohibited by this section.
Source: official California text · Last verified 2026-08-27
Frequently Asked Questions About California § 22312
What does Public Contract Code - PCC § 22312 cover?
Section 22312 ("No person in connection with or incidental to the making of a loan shall require") is part of the Public Contract Code - PCC, the codified statutory law of California. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite California § 22312?
A common citation format is "Public Contract Code - PCC § 22312" (California). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of California law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the California official source linked on this page or consult a licensed California attorney.
How does California § 22312 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in California can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in California.