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§ 1606. Annual Report: Form.

10 CA ADC § 1606Barclays Official California Code of RegulationsEffective: July 1, 2022

Barclays California Code of Regulations

Title 10. Investment

Chapter 3. Commissioner of Financial Protection and Innovation (Refs & Annos)

Subchapter 6. California Financing Law (Refs & Annos)

Article 14. Pilot Program for Increased Access to Responsible Small Dollar Loans

Subarticle 4. Reports

Effective: July 1, 2022

10 CCR § 1606

§ 1606. Annual Report: Form.

Currentness

(a) Each licensee shall file an annual report as set forth in subsection (b) of this section, with the Commissioner, on or before the 15^th of March, providing information concerning the business and operations conducted by the licensee under the Increased Access to Responsible Small Dollar Loans program, and information pertaining to each finder and the licensee's relationship and business arrangements with each finder, during the preceding calendar year. The annual report required under this section is in addition to the annual report of the total business operations of a licensee required under Section 22159 of the Financial Code.

(b) The individual annual report required under Sections 22367 and 22375, subdivision (c), of the Financial Code shall be submitted on the following form:

INSTRUCTIONS FOR COMPLETING THE 20XX ANNUAL REPORT FOR LICENSEES PARTICIPATING IN THE PILOT PROGRAM FOR INCREASED ACCESS TO RESPONSIBLE SMALL DOLLAR LOANS

WHO MUST FILE THE REPORT: Every licensee under the California Financing Law approved by the Commissioner of Financial Protection and Innovation (Commissioner) to participate in the Pilot Program for Increased Access to Responsible Small Dollar Loans (RSDL pilot program) shall file the annual report. The annual report shall include information on all business conducted under the RSDL pilot program.

NO BUSINESS OR INACTIVE LICENSES: An annual report shall be filed even if no business was conducted under the license in 20XX. If no business was conducted under the RSDL pilot program during the calendar year 20XX, complete question numbers 1 through 10 and the Verification section only. Include a statement at the bottom of the Verification section that “No business was conducted under the RSDL pilot program during the calendar year 20XX.” “No business” means no loans were made under the RSDL pilot program in 20XX.

FORMER PILOT PROGRAM FOR AFFORDABLE CREDIT-BUILDING OPPORTUNITIES: Licensees that were approved by the Commissioner to participate in the former Pilot Program for Affordable Credit-Building Opportunities must report information on all business conducted under the pilot program during the calendar year ended December 31, 2013. The information shall be filed on the annual report form in Section 1606.1 of Title 10 of the California Code of Regulations.

WHEN IS THE REPORT DUE/ PENALTY FOR FAILURE TO FILE THE REPORT: The report is due on or before March 15, 20XX. No extension of the filing date shall be granted. Failure to file the report may result in summary revocation of the California Financing Law license(s).

WHAT IS THE PURPOSE OF THE ANNUAL REPORT: The information reported in the annual report is used to publish the Department of Financial Protection and Innovation's Annual Report - Operation of Finance Companies Participating in the Increased Access to Responsible Small Dollar Loans Program. The annual consolidated report shall be posted on the Commissioner's Internet Web site at www.dfpi.ca.gov by July 1, 2015, and annually on or before July 1, 2017, to July 1, 2026, inclusive, as required under Financial Code Section 22380, subdivision (a).

WHERE TO FILE THE REPORT: The annual report form is no longer available in paper form. Annual report forms are available at the Department's self-service portal, https://docqnet.dfpi.ca.gov. THE ANNUAL REPORT MUST BE COMPLETED AND FILED ELECTRONICALLY, through the Department of Financial Protection and Innovation's self-service portal, https://docqnet.dfpi.ca.gov.

THE ANNUAL REPORT FORM: The information must be submitted on the annual report form prescribed by the Department of Financial Protection and Innovation [Form CFL 1606 (08/21)]. ALL AMOUNTS MUST BE ROUNDED TO THE NEAREST WHOLE DOLLAR. Do not add “.00” to represent rounding to the nearest dollar. In addition, do not round items to the nearest thousand or million dollars, or round intermediate calculations.

COMPLETENESS & ACCURACY: The annual report shall be rejected by the Department of Financial Protection and Innovation, with a status indicating the licensee has not filed its annual report, if the information provided is incomplete or incorrect. All questions and schedules must be completed. If any schedule is inapplicable, indicate “Not Applicable” at the top of the page. All information provided in the annual report is subject to verification. Accordingly, due care should be exercised in the completion of the report.

PERIOD COVERED BY THE REPORT: The reporting period is either (1) January 1, 20XX to December 31, 20XX, or (2) the effective date of approval to participate in the RSDL pilot program in 20XX to December 31, 20XX.

SCHEDULES A THROUGH J

If any loans were made under the RSDL pilot program during the year 20XX, Schedules A through I must be completed. The following schedules provide space to report activities associated with seven finders. If no loans were made in 20XX, state “None” on the applicable schedules.

SCHEDULE A (SCHEDULE OF APPLICATIONS RECEIVED AND LOANS MADE BY SIZE AND TERM): All loan applications received and loans made must be scheduled in Section A. Multiple loans made to the same borrower should be reported as separate loans transactions. Do not include loans that were not made under the RSDL pilot program. Report percentages to the nearest whole percentage (e.g. report .457 as 46, not 45.7 or 46%). Report loans in Schedule A based on the terms of the loan at the time the loan was made. Report the distribution of loans per borrower in Schedule A-5, for those borrowers who obtained more than one program loan.

SCHEDULE B (SCHEDULE OF LOANS BY INCOME DISTRIBUTION OF CENSUS TRACTS AND BORROWERS WITH BANK ACCOUNTS): Schedule the number of loans by the income distribution of census tract of the borrowers at the time of the loan origination. Use the following federal Community Reinvestment Act (12 U.S.C. 2901) and the Federal Financial Institutions Examination Council:

If the Median Family Income % is < 50%, then the Income Level is Low.

If the Median Family Income % is >= 50% and < 80%, then the Income Level is Moderate.

If the Median Family Income % is >= 80% and < 120%, then the Income Level is Middle.

If the Median Family Income % is >= 120%, then the Income Level is Upper.

If the Median Family Income % is 0%, then the Income Level is Not Known.

Information on income distribution of census tract may be found at http://www.ffiec.gov/ and http://www.ffiec.gov/census/default.aspx

Report in Schedule B-2 information on the number of borrowers who, at the time of the loan application, self-reported that they had or did not have a bank account, self-reported that they had a bank account and used check-cashing services, and self-reported that they had a bank account and used payday loan services.

SCHEDULE C (SCHEDULE OF LATE FEES CHARGED DURING THE YEAR BY SIZE OF THE LOAN):

Report the number of loans in which late fees were assessed in Schedule C-1 and the number of late fees assessed on the loans in Schedule C-2, the total dollar amount of late fees assessed on the loans in Schedule C-3, the average number of late fees assessed per loan in Schedule C-4, and the percentage of loans that were assessed late fees in Schedule C-5.

SCHEDULE D (SCHEDULE OF LOANS MADE BY LOAN PURPOSE):

Report the primary purpose of the loans based on borrower responses at the time of the loan applications.

SCHEDULE E (SCHEDULE OF LOANS BY RATE CHARGES): Report loans in Schedules E-1, E-2, E-3 and E-4 based on annual percentage rate (APR) calculated in accordance with Federal Reserve Board Regulation Z. Do not report in these schedules the agreed upon contract rate of the loan.

SCHEDULE F (SCHEDULE OF LOAN PERFORMANCE): Report loan performance based on delinquencies in the account history, and not on the loan's current status. The information on the percentage of delinquent borrowers must be reported in the schedules by length of the delinquency and principal loan amount.

SCHEDULE G (SCHEDULE OF LOANS MADE BY LANGUAGE AND CREDIT EDUCATION PROGRAM OR SEMINAR OFFERED): Report under the appropriate language column, the number of loans negotiated orally or in writing in that language. The languages are English, Spanish, Chinese, Tagalog, Vietnamese, Korean, and Other. In column A, report the number of borrowers who were offered a credit education program or seminar in the same language in which the loan was negotiated. For example, if five loans were negotiated in English and all five borrowers were offered a credit education program or seminar in English, report “5” under the column labeled “English” and “5” in column A. If known, report in column B the number of borrowers who attended the offered credit education program or seminar.

SCHEDULE H (SCHEDULE OF FINDERS): Report all finders utilized during the calendar year 20XX.

SCHEDULE I (SCHEDULE OF REFINANCE LOANS): For purposes of the RSDL pilot program, “refinance” means the replacement or revision of an existing loan contract with a borrower that results in an extension of additional principal to that borrower. A licensee shall not refinance a loan made under this pilot program, unless all of the following conditions are met at the time the borrower submits an application to refinance:

(a) The borrower has repaid at least 60 percent of the outstanding principal remaining on his or her loan.

(b) The borrower is current on his or her outstanding loan.

(c) The licensee underwrites the new loan in accordance with paragraph (4) of subdivision (g) of Financial Code Section 22370.

(d) If the loan proceeds of both the original loan and the refinance loan are to be used for personal, family, or household purposes, the borrower has not previously refinanced the outstanding loan more than once.

Loans made under the former Pilot Program for Affordable Credit-Building Opportunities and subsequently refinanced in compliance with the requirements for refinance under the RSDL pilot program, must be included in Schedule I of this annual report.

In Schedule I-2, the total number of borrowers who refinanced once, twice, or more than two times should equal the total number of borrowers who received one or more refinance loans in Schedule I-1.

SCHEDULE J (RECOMMENDATIONS FOR IMPROVING THE RSDL PILOT PROGRAM):

Provide any comments or information to help improve the program.

COMPANIES WITH MULTIPLE LOCATIONS: Companies with multiple locations shall prepare one annual report consolidating the information of all locations into the report.

ANNUAL REPORT FORM SUBMISSION:

The annual report form is no longer available in paper form. Annual report forms for calendar year 2017, and following, are available at the Department's self-service portal, https://docqnet.dfpi.ca.gov. THE ANNUAL REPORT MUST BE COMPLETED AND FILED ELECTRONICALLY, through the Department of Financial Protection and Innovation's self-service portal, https://docqnet.dfpi.ca.gov.

VERIFICATION: The Verification section must be completed in accordance with the instructions, and signed, by the licensed individual, a general partner if the licensee is a partnership, or a corporate officer if the licensee is a corporation. The Verification must include an original signature on the annual report filed with the Department of Financial Protection and Innovation. The Verification must be downloaded, printed, and signed by the required individual. The signed Verification page must be submitted, as a separate attachment, to the annual report completed and submitted electronically to the Department of Financial Protection and Innovation. Incomplete Verification or a missing signature in the Verification shall result in a status indicating that the licensee has NOT FILED its annual report due for that year.

FEE: No fee is required to file the Annual Report.

PUBLIC INSPECTION: The Department of Financial Protection and Innovation shall prepare an annual consolidated report that aggregates the information received from each annual report submitted by licensees for the designated year. The annual consolidated report shall be available to the public.

FOR ASSISTANCE AND INFORMATION REGARDING THE ANNUAL REPORT: Contact the Department of Financial Protection and Innovation at 213-576-7690.

CFL 1606 (08/21)

ANNUAL REPORT FOR CALIFORNIA FINANCING LAW LICENSEES ENGAGED IN BUSINESS UNDER THE PILOT PROGRAM FOR INCREASED ACCESS TO RESPONSIBLE SMALL DOLLAR LOANS FOR THE YEAR ENDED DECEMBER 31, 20XX

THIS REPORT IS REQUIRED UNDER SECTIONS 22367 AND 22375 OF THE FINANCIAL CODE.

(PLEASE READ THE ATTACHED INSTRUCTIONS CAREFULLY BEFORE COMPLETING THE ANNUAL REPORT.)

1. Name of licensee (as shown on the license):

2. License number: ______________________________

3. Business phone number: (_____) ______________________________

4. Fax number: (_____) ______________________________

5. Web site address: ______________________________

6. Total number of licensed locations at which business was conducted under the pilot program as of December 31, 20XX: ____________________

7. Total number of finders used during the calendar year: ____________________

8. Total number of finder locations used during the calendar year: ______________________________

9. Business was conducted under the pilot program during the calendar year 20XX: Empty Checkbox

YES

10. Disclose by finder, the licensee's relationship, including ownership or other financial relationship, and business arrangement with each finder.

SCHEDULE A

SCHEDULE OF APPLICATIONS TAKEN AND LOANS MADE BY SIZE AND TERM FOR THE CALENDAR YEAR 20XX

A-1(a) Total Number Of Applications Received And Loans Made Using A Finder

Finder		Number Of Applications Received		Number Of Loans Made		Total Principal Amount Of Loans Made

1.						$

2.

3.

4.

5.

6.

7.

	Totals					$

A-1(b) Number Of Applications Received And Loans Made Without Using A Finder

	Number Of			Total Principal
	Applications	Number Of		Amount Of Loans
	Received	Loans Made		Made


Totals			$

A-2(a) Number Of Loans Made By Size Of Loan Using A Finder

Finder	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $ 2,500 - 7,499	Total Loans Made

1.

2.

3.

4.

5.

6.

7.

Totals

A--2(b) Number Of Loans Made By Size Of Loan Without Using A Finder

	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $ 2,500 - 7,499	Total Loans Made


Totals

A-3(a) Number Of Borrowers Who Obtained More Than One Loan Using A Finder

Finder	Number Of Borrowers Who Obtained More Than One Loan	Number Of Borrowers With Credit Scores That Increased Over The Previous Loan	Percentage Of Borrowers With Increased Credit Scores (e.g., .458=46)		Average Size Of Increase In Credit Scores (Include Only Borrowers With Increased Scores)	Average Size Of Increase/Decrease In Credit Scores For All Borrowers

1.					%

2.

3.

4.

5.

6.

7.

	Totals				%

A-3(b) Number Of Borrowers Who Obtained More Than One Loan Without Using A Finder

	Number Of Borrowers Who Obtained More Than One Loan	Number Of Borrowers With Credit Scores That Increased Over The Previous Loan	Percentage Of Borrowers With Increased Credit Scores (e.g., .458=46)		Average Size Of Increase In Credit Scores (Include Only Borrowers With Increased Scores)	Average Size Of Increase/Decrease In Credit Scores For All Borrowers


Totals				%

A-4(a) Number Of Loans By Loan Term For Loans Made Using A Finder

Finder		Term Length 90 - 119 Days	Term Length 120 - 179 Days	Term Length 180-269 Days	Term Length 270 - 359 days	Term Length >360 Days	Total Loans Made

1.

2.

3.

4.

5.

6.

7.

Totals

A-4(b) Number Of Loans By Loan Term For Loans Made Without Using A Finder

	Term Length 90 - 119 Days	Term Length 120 - 179 Days	Term Length 180 - 269 Days	Term Length 270 - 359 Days	Term Length >360 Days	Total Loans Made


Totals

A-5(a) Number Of Borrowers Who Obtained One Or More Loans Using A Finder

Finder	Number Of Borrowers Who Obtained 2 Loans	Number Of Borrowers Who Obtained 3 Loans	Number Of Borrowers Who Obtained 4 Or More Loans	Total Number Of Borrowers Who Obtained More Than One Loan

1.

2.

3.

4.

5.

6.

7.


	Totals

A-5(b) Number Of Borrowers Who Obtained One Or More Loans Without Using A Finder

	Number Of Borrowers Who Obtained 2 Loans	Number Of Borrowers Who Obtained 3 Loans	Number Of Borrowers Who Obtained 4 Or More Loans	Total Number Of Borrowers Who Obtained More Than One Loan


Totals
Totals

SCHEDULE B

SCHEDULE OF LOANS BY INCOME DISTRIBUTION OF CENSUS TRACTS AND BORROWERS WITH BANK ACCOUNTS FOR CALENDAR YEAR 20XX

B-1(a) Number Of Loans By Income Distribution Of Census Tract (Using A Finder)

Finder		Low	Moderate	Middle	Upper	Not Known	Total Loans Made

1.

2.

3.

4.

5.

6.

7.

Totals

B-1(b) Number Of Loans By Income Distribution Of Census Tract (Without Using A Finder)

	Low	Moderate	Middle	Upper	Not Known	Total Loans Made


Totals

B-2(a) Number Of Loans Made To Borrowers With Bank Account (Loans Made Using A Finder)

Finder	Number With Bank Account(s)	Number Without Bank Account(s)	Number Of Borrowers Who Obtained More Than One Loan	Number Of Borrowers With A Bank Account And Also Used Check-Cashing Services	Number Of Borrowers With A Bank Account And Also Used Payday Loan Services

1.

2.

3.

4.

5.

6.

7.


	Totals

B-2(b) Number Of Loans Made To Borrowers With Bank Account (Loans Made Without Using A Finder)

	Number With Bank Account(s)	Number Without Bank Account(s)	Number Of Borrowers Who Obtained More Than One Loan	Number Of Borrowers With A Bank Account And Also Used Check-Cashing Services	Number Of Borrowers With A Bank Account And Also Used Payday Loan Services


Totals

SCHEDULE C

SCHEDULE OF LATE FEES CHARGED DURING THE YEAR BY SIZE OF LOAN FOR CALENDAR YEAR 20XX

C-1(a) Number Of Loans In Which Late Fees Were Assessed (Loans Made Using A Finder)

Finder	Principal Balance $ 300 - 499	Principal Balance $500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $2,500 - 7,499	Total Loans Made

1.

2.

3.

4.

5.

6.

7.


	Totals

C-1(b) Number Of Loans In Which Late Fees Were Assessed (Loans Made Without Using A Finder)

	Principal Balance $300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $2,500 - 7,499	Total Loans Made


Totals

C-2(a) Number Of Late Fees Assessed On Loans Made Using A Finder

Finder	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $2,500 - 7,499	Total Number Of Late Fees

1.

2.

3.

4.

5.

6.

7.


	Totals

C-2(b) Number Of Late Fees Assessed On Loans Made Without Using A Finder

	Principal Balance $300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $2,500 - 7,499	Total Number of Late Fees


Totals

C-3(a) Total Dollar Amount Of Late Fees Assessed On Loans Made Using A Finder

Finder	Principal Balance $300 - 499	Principal Balance $500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $2,500 - 7,499	Total Amount of Late Fees In Dollars

1.

2.

3.

4.

5.

6.

7.


	Totals

C-3(b) Total Dollar Amount Of Late Fees Assessed On Loans Made Without Using A Finder

	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $2,500 - 7,499	Total Amount of Late Fees In Dollars


Totals

C-4(a) Average Number Of Late Fees Assessed Per Loan Made Using A Finder

Finder	Principal Balance $300 - 499	Principal Balance $ 500 - 999	Principal Balance $1,000 - 1,499	Principal Balance $1,500 - 2,499	Principal Balance $2,500 - 7,499	Overall Average

1.

2.

3.

4.

5.

6.

7.


	Totals

C-4(b) Average Number Of Late Fee Assessed Per Loan Made Without Using A Finder

	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $2,500 - 7,499	Overall Average


Totals

C-5(a) Percentage Of Loans Assessed Late Fees (Loan Made Using A Finder)

Finder		Principal Balance $ 300 - 499		Principal Balance $ 500 - 999		Principal Balance $ 1,000 - 1,499		Principal Balance $ 1,500 - 2,499		Principal Balance $2,500 - 7,499		Overall Percentage

1.		%	%	%	%	%

2.		%	%	%	%	%

3.		%	%	%	%	%

4.		%	%	%	%	%

5.		%	%	%	%	%

6.		%	%	%	%	%

7.		%	%	%	%	%


	Totals

C-5(b) Percentage Of Loans Assessed Late Fees (Loan Made Without Using A Finder)



	%	%	%	%	%

Totals

SCHEDULE D

SCHEDULE OF LOANS MADE BY LOAN PURPOSE FOR CALENDAR YEAR 20XX

D-1(a) Number Of Loans Made By Loan Purpose Using A Finder

Finder	Medical	Other Emergency	Vehicle Repair	Vehicle Purchase	To Pay Bills	To Consolidate Debt	To Build or Repair Credit	Purchase Goods or Services Other Than a Vehicle	For Other Than Personal, Family or Household Purposes	Other

1.

2.

3.

4.

5.

6.

7.

	TOTALS

D-1(b) Number Of Loans Made By Loan Purpose Without Using A Finder

	Medical	Other Emergency	Vehicle Repair	Vehicle Purchase	To Pay Bills	To Consolidate Debt	To Build or Repair Credit	Purchase Goods or Services Other Than a Vehicle	For Other Than Personal, Family or Household Purposes	Other



TOTALS

SCHEDULE E

SCHEDULE OF LOANS BY RATE CHARGES FOR CALENDAR YEAR 20XX

E-1 (a) Number Of Loans Made Between $300 - $499 Using A Finder

	Number Of Loans Made Per Annual Percentage Rate (APR)

Finder

Up to 14.99%

15.00% - 19.99%

20.00% - 24.99%

25.00% - 29.99%

30.00% - 34.99%

35.00% - 39.99%

40.00% - 49.99%

50.00% or more

Total Loans Made

1.

2.

3.

4.

5.

6.

7.



	Totals

E-1(b) Number Of Loans Made Between $300 - $499 Without Using A Finder

	Number Of Loans Made Per Annual Percentage Rate (APR)

	Up to 14.99%	15.00% - 19.99%	20.00% - 24.99%	25.00% - 29.99%	30.00% - 34.99%	35.00% - 39.99%	40.00% - 49.99%	50.00% or more	Total Loans Made

Totals

E-2(a) Number Of Loans Made Between $500 - $999 Using A Finder

	Number Of Loans Made Per Annual Percentage Rate (APR)

Finder

Up to 14.99%

15.00% - 19.99%

20.00% - 24.99%

25.00% - 29.99%

30.00% - 34.99%

35.00% - 39.99%

40.00% - 49.99%

50.00% or more

Total Loans Made

1.

2.

3.

4.

5.

6.

7.



	Totals

E-2(b) Number Of Loans Made Between $500 - $999 Without Using A Finder

	C2-10Number Of Loans Made Per Annual Percentage Rate (APR)

	Up to 14.99%	15.00% - 19.99%	20.00% - 24.99%	25.00% - 29.99%	30.00% - 34.99%	35.00% - 39.99%	40.00% - 49.99%	50.00% or more	Total Loans Made

Totals

E-3(a) Number Of Loans Made Between $1,000 - $1,499 Using A Finder

	Number Of Loans Made Per Annual Percentage Rate (APR)

Finder

Up to 14.99%

15.00% - 19.99%

20.00% - 24.99%

25.00% - 29.99%

30.00% - 34.99%

35.00% - 39.99%

40.00% - 49.99%

50.00% or more

Total Loans Made

1.

2.

3.

4.

5.

6.

7.



	Totals

E-3(b) Number Of Loans Made Between $1,000 - $1,499 Without Using A Finder

	Number Of Loans Made Per Annual Percentage Rate (APR)

	Up to 14.99%	15.00% - 19.99%	20.00% - 24.99%	25.00% - 29.99%	30.00% - 34.99%	35.00% - 39.99%	40.00% - 49.99%	50.00% or more	Total Loans Made

Totals

*E-4(a) Number Of Loans Made Between $1,500 - $2,499 Using A Finder*

Number Of Loans Made Per Annual Percentage Rate (APR)

Finder

Up to 14.99%

15.00% - 19.99%

20.00% - 24.99%

25.00% - 29.99%

30.00% - 34.99%

35.00% - 39.99%

40.00% - 49.99%

50.00% or more

Total Loans Made

1.

2.

3.

4.

5.

6.

7.



	Totals

E-4(b) Number Of Loans Made Between $1,500 - $2,499 Without Using A Finder

	Number Of Loans Made Per Annual Percentage Rate (APR)

	Up to 14.99%	15.00% - 19.99%	20.00% - 24.99%	25.00% - 29.99%	30.00% - 34.99%	35.00% - 39.99%	40.00% - 49.99%	50.00% or more	Total Loans Made

Totals

*E-5(a) Number Of Loans Made Between $2,500 - $7,499 Using A Finder*

Number Of Loans Made Per Annual Percentage Rate (APR)

Finder

Up to 14.99%

15.00% - 19.99%

20.00% - 24.99%

25.00% - 29.99%

30.00% - 34.99%

35.00% - 39.99%

40.00% - 49.99%

50.00% or more

Total Loans Made

1.

2.

3.

4.

5.

6.

7.



	Totals

E-5(b) Number Of Loans Made Between $2,500 - $7,499 Without Using A Finder

	Number Of Loans Made Per Annual Percentage Rate (APR)

	Up to 14.99%	15.00% - 19.99%	20.00% - 24.99%	25.00% - 29.99%	30.00% - 34.99%	35.00% - 39.99%	40.00% - 49.99%	50.00% or more	Total Loans Made

Totals

SCHEDULE F

SCHEDULE OF LOAN PERFORMANCE AS OF YEAR END 20XX

F-1(a) Number And Percentage Of Loans With At Least One Delinquency Lasting Between 7 - 29 Days

For Loans Made Using A Finder

	Number Of Loans With At Least One Delinquency	Percentage Of Loans With At Least One Delinquency

Finder

Principal Balance $300 - 499

Principal Balance $500 - 999

Principal Balance $ 1,000 - 1,499

Principal Balance $ 1,500 - 2,499

Principal Balance $ 2,500 - 7,499

Principal Balance $300 - 499

Principal Balance $500 - 999

Principal Balance $ 1,000 - 1,499

Principal Balance $ 1,500 - 2,499

Principal Balance $ 2,500 - 7,499

1.

2.

3.

4.

5.

6.

7.

Totals

F-1(b) Number And Percentage Of Loans With At Least One Delinquency Lasting Between 7-29 Days For Loans

Made Without Using A Finder

	Number Of Loans With At Least One Delinquency	Percentage Of Loans With At Least One Delinquency

	Principal Balance	Principal Balance	Principal Balance	Principal Balance	Principal Balance	Principal Balance	Principal Balance	Principal Balance	Principal Balance	Principal Balance
	$ 300 - 499	$ 500 - 999	$ 1,000 - 1,499	$ 1,500 - 2,499	$ 2,500 - 7,499	$ 300 - 499	$ 500 - 999	$ 1,000 - 1,499	$ 1,500 - 2,499	$ 2,500 - 7,499

Totals

*F-2(a) Number And Percentage Of Loans With At Least One Delinquency Lasting Between 30 - 59 Days For Loans Made Using A Finder*

Number Of Loans With At Least One Delinquency

Percentage Of Loans With At Least One Delinquency

Finder

Principal Balance $ 300 - 499

Principal Balance $ 500 - 999

Principal Balance $ 1,000 - 1,499

Principal Balance $ 1,500 - 2,499

Principal Balance $ 2,500 - 7,499

Principal Balance $ 300 - 499

Principal Balance $ 500 - 999

Principal Balance $ 1,000 - 1,499

Principal Balance $ 1,500 - 2,499

Principal Balance $ 2,500 - 7,499

1.

2.

3.

4.

5.

6.

7.


	Totals

F-2(b) Number And Percentage Of Loans With At Least One Delinquency Lasting Between 30 - 59 Days For Loans Made Without Using A Finder

	Number Of Loans With At Least One Delinquency	Percentage Of Loans With At Least One Delinquency

	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $ 2,500 - 7,499	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $ 2,500 - 7,499

Totals

*F-3(a) Number And Percentage Of Loans With At Least One Delinquency Lasting 60 Days Or More For Loans Made Using A Finder*

Number Of Loans With At Least One Delinquency

Percentage Of Loans With At Least One Delinquency

Finder

Principal Balance $ 300 - 499

Principal Balance $ 500 - 999

Principal Balance $ 1,000 - 1,499

Principal Balance $ 1,500 - 2,499

Principal Balance $ 2,500 - 7,499

Principal Balance $ 300 - 499

Principal Balance $ 500 - 999

Principal Balance $ 1,000 - 1,499

Principal Balance $ 1,500 - 2,499

Principal Balance $ 2,500 - 7,499

1.

2.

3.

4.

5.

6.

7.


	Totals

F-3(b) Number And Percentage Of Loans With At Least One Delinquency Lasting 60 Days Or More For Loans Made Without Using A Finder

	Number Of Loans With At Least One Delinquency	Percentage Of Loans With At Least One Delinquency

	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $ 2,500 - 7,499	Principal Balance $ 300 - 499	Principal Balance $ 500 - 999	Principal Balance $ 1,000 - 1,499	Principal Balance $ 1,500 - 2,499	Principal Balance $ 2,500 - 7,499

Totals

F-4(a) Loans With At Least One Delinquency Of Greater Than 7 Days For Loans Made Using A Finder

Finder	Number Of Loans With At Least One Delinquency Of Greater Than 7 Days And Were Not Subsequently Brought Current	For Loans That Were Delinquent 7 Days Or More, Average Number Of Times Borrowers Were Delinquent 7 Days Or More

1.

2.

3.

4.

5.

6.

7.


	Totals

F-4(b) Loans With At Least One Delinquency Of Greater Than 7 Days For Loans Made Without Using A Finder

	Number Of Loans With At Least One Delinquency Of Greater Than 7 Days And Were Not Subsequently Brought Current	For Loans That Were Delinquent 7 Days Or More, Average Number Of Times Borrowers Were Delinquent 7 Days Or More


Totals

SCHEDULE G

SCHEDULE OF LOANS MADE BY LANGUAGE AND CREDIT EDUCATION PROGRAM OR SEMINAR OFFERED

FOR THE CALENDAR YEAR 20XX

G-1(a) Number Of Loans Made Using A Finder (For Columns A and B, See Instructions)

Finder	English	A	B	Spanish	A	B	Chinese	A	B	Tagalog	A	B	Vietnamese	A	B	Korean	A	B	Other	A	B

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

Total

G-1(b) Number Of Loans Made Without Using A Finder (See Instructions Before Completing)

	English	A	B	Spanish	A	B	Chinese	A	B	Tagalog	A	B	Vietnamese	A	B	Korean	A	B	Other	A	B


Total

SCHEDULE H

SCHEDULE OF FINDERS FOR CALENDAR YEAR 20XX

FINDER	CONTACT PERSON	VOLUME OF BUSINESS IN LOAN $$	TYPE OF BUSINESS OPERATED BY FINDER	AMOUNT OF FEES PAID TO FINDER	PROVIDE TYPE OF LICENSE & LICENSE NUMBER HELD BY FINDER	OWNERSHIP OR OTHER FINANCIAL RELATIONSHIP WITH LICENSEE (YES OR NO)	NUMBER OF BUSINESS LOCATIONS AT WHICH PILOT PROGRAM ACTIVITIES WERE CONDUCTED	BUSINESS ADDRESS (Street, City, State, & Zip Code)

SCHEDULE I

SCHEDULE OF REFINANCE LOANS FOR THE CALENDAR YEAR 20XX

I-1(a) Number Of Refinance Loans Made Using A Finder

Finder	Number Of Borrowers Who Applied for A Refinance Loan	Percentage Of Borrowers Who Applied For A Refinance Loan		Number Of Borrowers Who Obtained One or More Refinance Loans	Percentage Of Borrowers Who Refinanced A Loan		Total Principal Amount Of Refinance Loans Made

1.		%	%

2.

3.

4.

5.

6.

7.


	Totals	%	%

I-1(b) Number Of Refinance Loans Made Without Using A Finder




Totals	%	%

I-2(a) Detail Of Refinance Loans For Loans Made Using A Finder

Finder		Number Of Borrowers Who Refinanced Once	Percentage Of Borrowers Who Refinanced Once		Number Of Borrowers Who Refinanced Twice	Percentage Of Borrowers Who Refinanced Twice		Number Of Borrowers Who Refinanced More than Twice	Percentage Of Borrowers Who Refinanced More Than Twice

1.	%	%	%

2.	%	%	%

3.	%	%	%

4.	%	%	%

5.	%	%	%

6.	%	%	%

7.	%	%	%

Totals			%			%		%

I-2(b) Detail Of Refinance Loans For Loans Made Without Using A Finder

	Number Of Borrowers Who Refinanced Once	Percentage Of Borrowers Who Refinanced Once		Number Of Borrowers Who Refinanced Twice	Percentage Of Borrowers Who Refinanced Twice		Number Of Borrowers Who Refinanced More Than Twice	Percentage Of Borrowers Who Refinanced More Than Twice

Totals			%			%		%

I-3(a) Average Percentage Of Principal Paid Down, Late Fees Made, And Additional Principal Extended On Refinanced Loans Made Using A Finder

Finder	Average Percentage Of Principal Paid Down Before Obtaining A Refinance Loan		Average Number Of Late Payments Made On Loan That Was Refinanced		Average Amount Of Additional Principal Extended On Refinance Loans

1.		%	$

2.

3.

4.

5.

6.

7.


	Totals	%	$

I-3(b) Average Percentage Of Principal Paid Down, Late Fees Made, And Additional Principal Extended On Refinanced Loans Made Without Using A Finder




Totals	%	$

SCHEDULE J

RECOMMENDATIONS FOR IMPROVING THE PILOT PROGRAM

Please provide any comments or information to help improve the program.

VERIFICATION

State of ____________________)

County of _______________)

I, the undersigned, state: That I am an officer, a general partner or the sole proprietor, or have a position of similar proprietary interest of (Insert name as shown on the license)

and I have read and signed the report and know the contents of the information filed herewith. I certify that the statistical information provided in this annual report is to the best of my knowledge true and exact.

Complete Section (A) OR Section (B) as appropriate.

(A) IF LOCATED IN CALIFORNIA OR IN A STATE WHICH PERMITS A DECLARATION UNDER PENALTY OF PERJURY, COMPLETE THIS SECTION. NOTARIZATION IS NOT NECESSARY.

Date

_______________

_____

_______________

(Month/Day)

(Year)

(City)

(State)

I certify (or declare) under the penalty of perjury that the foregoing is true and correct.

		Phone Number: ( ___ )
(Signature of Declarant)
		Fax Number: ( ___ )

(Name and Title, type or print)

E-mail Address: ____________________

(B) IF LOCATED OUTSIDE OF CALIFORNIA IN A STATE WHICH DOES NOT PERMIT A DECLARATION UNDER PENALTY OF PERJURY, COMPLETE THIS SECTION. NOTARIZATION IS REQUIRED.

Date		,
	(Month/Day)		(Year)	Signature of Affiant

at
	(City)	Name and Title (Please type or print)


(State)		Subscribed and sworn to before me on

	,
(Month/Date)		(Year)

(Seal)

Notary Public in and for said County and State

Phone Number: (

___

)

____________________

Fax Number: (

___

)

E-mail Address: _________________________

CFL 1606 (8/21)

Credits

Note: Authority cited: Section 22150, Financial Code. Reference: Sections 22367, 22375 and 22715, Financial Code.

History

1. New subarticle 4 (sections 1606-1607) and section filed 7-17-2014; operative 7-17-2014 pursuant to Government Code section 11343.4(b)(3) (Register 2014, No. 29).

2. Amendment of subsection (b) filed 5-10-2022; operative 7-1-2022 (Register 2022, No. 19).

This database is current through 5/10/24 Register 2024, No. 19.

Cal. Admin. Code tit. 10, § 1606, 10 CA ADC § 1606

End of Document