California Code of Regulations
Title 10 - Investment
Chapter 3 - Commissioner of Financial Protection and Innovation
Subchapter 6 - California Financing Law
Article 14 - Pilot Program for Increased Access to Responsible Small Dollar Loans
Subarticle 4 - Reports
Section 1606.1 - Annual Report for the Pilot Program for Affordable Credit-Building Opportunities for the Calendar Year Ended December 31, 2013: Form

Universal Citation: 10 CA Code of Regs 1606.1

Current through Register 2024 Notice Reg. No. 38, September 20, 2024

(a) Effective January 1, 2014, the Pilot Program for Affordable Credit-Building Opportunities is abolished [Senate Bill 318 (Chap. 467, Stats. 2013)]. Each licensee under the Pilot Program for Affordable Credit-Building Opportunities shall file the annual report as set forth in subsection (e) for the final year of the pilot program.

(b) The annual report for loans made under the pilot program in the calendar year ended December 31, 2013, shall be filed with the Commissioner on or before March 15, 2014.

(c) The annual report shall provide information concerning the business and operations conducted by the licensee, and information pertaining to each finder and the licensee's relationship and business arrangements with each finder under the Pilot Program for Affordable Credit-Building Opportunities, during the 2013 calendar year. The annual report required in this section is in addition to the annual report of the total business operations of the licensee required under Section 22159 of the Financial Code, and the annual report for the Pilot Program for Increased Access to Responsible Small Dollar Loans required under Sections 22367 and 22375, subdivision (c), of the Financial Code.

(d) Loans made under the Pilot Program for Increased Access to Responsible Small Dollar Loans shall be reported in the annual report in Section 1606 of these rules. Any loan that was made under the former Pilot Program for Affordable Credit-Building Opportunities and subsequently refinanced under the Pilot Program for Increased Access to Responsible Small Dollar Loans shall be reported in the annual report in section 1606 of these rules.

(e) The individual annual report required under Sections 22349.2 and 22357, subdivision (c), of the Financial Code shall be submitted on the following form:

STATE OF CALIFORNIA--BUSINESS, TRANSPORTATION AND HOUSING AGENCY	EDMUND G. BROWN Jr., Governor
DEPARTMENT OF BUSINESS OVERSIGHT
*Ensuring a Fair and Secure Financial Services Marketplace for all Californians*

INSTRUCTIONS FOR COMPLETING THE 20XX ANNUAL REPORT FOR LICENSEES PARTICIPATING IN THE AFFORDABLE CREDIT-BUILDING OPPORTUNITIES PROGRAM

WHO MUST FILE THE REPORT: Every licensee under the California Finance Lenders Law approved by the Commissioner of Business Oversight to participate in the Affordable Credit-Building Opportunities (ACBO) pilot program shall file the annual report. The annual report shall include information on all business conducted under the ACBO 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 ACBO pilot program during the calendar year 20XX, complete question numbers 1 through 10 and Verification section only. Include a statement at the bottom of the Verification section that "No business was conducted under the ABCO pilot program during the calendar year 20XX." "No business" means no loans were made under the ACBO pilot program in 20XX.

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 shall result in summary revocation of the California Finance Lenders Law license(s).

WHAT IS THE PURPOSE OF THE ANNUAL REPORT: The information reported in the annual report shall be aggregated into a consolidated report and the annual consolidated report shall be posted on the Commissioner of Business Oversight's Internet Web site at www.dbo.ca.gov by July 1, 2015, as required under Financial Code Section 22380, subdivision (a).

WHERE TO FILE THE REPORT:

DEPARTMENT OF BUSINESS OVERSIGHT

FINANCIAL SERVICES DIVISION

320 WEST FOURTH STREET, SUITE 750

LOS ANGELES, CA 90013

THE ANNUAL REPORT FORM: The information must be submitted on the annual report form prescribed by the Department of Business Oversight (Form CFL 1606.1). 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. The annual report is electronically scanned and therefore the information must be TYPED in the annual report form, and the ORIGINAL signed copy of the annual report shall be filed with the Department of Business Oversight.

COMPLETENESS & ACCURACY: The annual report shall be rejected by the Department of Business Oversight and returned to the licensee 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. The following schedules provide space to report on the activities of seven finders. Attach a supplemental page(s) if more space is needed or if more than seven finders were used. 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 ACBO pilot program in 20XX to December 31, 20XX.

If any loans were made under the ACBO 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 TAKEN AND LOANS MADE BY SIZE): All loan applications taken and loans made must be scheduled in Section A. Multiple loans made to the same borrower are to be reported as separate loans transactions. Do not include loans that were not made under the ACBO pilot program. Report percentages to the nearest whole percentage (e.g. report .457 as 46, not 45.7 or 46%)

SCHEDULE B (SCHEDULE OF LOANS BY INCOME DISTRIBUTION OF CENSUS TRACTS AND BORROWERS WITH BANK ACCOUNTS): Schedule loans by the following income distribution of census tracts as defined under the 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

SCHEDULE C & D (SCHEDULE OF LATE FEES CHARGED DURING THE YEAR BY SIZE & SCHEDULE OF LOANS MADE BY LOAN PURPOSE).

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

SCHEDULE F (SCHEDULE OF LOAN PERFORMANCE): Report loans based on the number of payments past due. Do not report loans based on recency of payment.

SCHEDULE G (SCHEDULE OF LOANS MADE BY LANGUAGE AND CREDIT EDUCATION PROGRAM OR SEMINAR OFFERED): 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. If known, report in column B the number of borrowers who attended the offered credit education program or seminar.

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

SCHEDULE I (RECOMMENDATIONS FOR IMPROVING THE 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 AVAILABLE ON THE INTERNET: The annual report form is available in Adobe Acrobat format at the Department of Business Oversight's Internet website. The form may be accessed by clicking on Applications and Forms on the Department of Business Oversight's homepage at "www.dbo.ca.gov", and then clicking on California Finance Lenders.

The form may be downloaded from the Department of Business Oversight's website; however, THE REPORT CANNOT BE FILED ELECTRONICALLY. If the report is downloaded, it must be printed and submitted to the Department in paper form. Please be sure to include your license number on the annual report to prevent any delays in processing your annual report.

VERIFICATION: The Verification section must be completed in accordance with the instructions 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 original copy of the annual report filed with the Department of Business Oversight. Incomplete Verification or a missing signature in the Verification shall result in rejection and return of the annual report to the licensee.

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

PUBLIC INSPECTION: The Department of Business Oversight 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 Business Oversight at 1-866-275-2677.

CFL 1606.1

STATE OF CALIFORNIA--BUSINESS, TRANSPORTATION AND HOUSING AGENCY	EDMUND G. BROWN Jr., Governor
DEPARTMENT OF BUSINESS OVERSIGHT
*Ensuring a Fair and Secure Financial Services Marketplace for all Californians*

To: COMMISSIONER OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA

ANNUAL REPORT FOR CALIFORNIA FINANCE LENDERS LAW LICENSEES ENGAGED IN BUSINESS UNDER THE AFFORDABLE CREDIT-BUILDING OPPORTUNITIES (ACBO) PILOT PROGRAM FOR THE YEAR ENDED DECEMBER 31, 20XX

THIS REPORT IS REQUIRED UNDER SECTIONS 22349.2 AND 22357 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. Website address: ______________________________

6. Total number of licensed locations at which business was conducted under the ACBO 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 ACBO pilot program during the calendar year 20XX: [] YES [] NO

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 FOR THE CALENDAR YEAR 20XX

A-1(a) Total Number of Application Taken and Loans Made Using A Finder

Finder		Number of Applications Taken	Number of Loans Made		Total Principal Amount of Loans Made
1.				$
	___________________________	___________________________	___________________________		___________________________
2.
	___________________________	___________________________	___________________________		___________________________
3.
	___________________________	___________________________	___________________________		___________________________
4.
	___________________________	___________________________	___________________________		___________________________
5.
	___________________________	___________________________	___________________________		___________________________
6.
	___________________________	___________________________	___________________________		___________________________
7.
	___________________________	___________________________	___________________________		___________________________
	Totals			$
		___________________________	___________________________		___________________________

A-1(b) Number of Applications Taken and Loans Made Without Using A Finder

	Number of Applications Taken	Number of Loans Made		Total Principal Amount of Loans Made
Totals			$
	___________________________	___________________________		___________________________

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

	Finder	Principal Balance $ 250 - 499	Principal Balance $ 500 - 1,499	Principal Balance $1,500 - 2,499	Total Loans Made
1.
	___________________________	___________________________	___________________________	___________________________	___________________________
2.
	___________________________	___________________________	___________________________	___________________________	___________________________
3.
	___________________________	___________________________	___________________________	___________________________	___________________________
4.
	___________________________	___________________________	___________________________	___________________________	___________________________
5.
	___________________________	___________________________	___________________________	___________________________	___________________________
6.
	___________________________	___________________________	___________________________	___________________________	___________________________
7.
	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________

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

	Principal Balance $ 250 - 499	Principal Balance $ 500 - 1,499	Principal Balance $1,500 - 2,499	Total Loans Made
Totals
	___________________________	___________________________	___________________________	___________________________

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

	Finder	Number of Borrowes 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				%
	___________________________	___________________________	___________________________		___________________________	___________________________

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(s) 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 Use Check-Cashing Services	Number of Borrowers With a Bank Account and Also Use Payday Loan Services
1.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
2.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
3.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
4.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
5.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
6.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
7.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________	___________________________

B-2(b) Number Of Loans Made To Borrowers With Bank Account(s) 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 Use Check-Cashing Services	Number of Borrowers With a Bank Account and Also Use Payday Loan Services
Totals
	___________________________	___________________________	___________________________	___________________________	___________________________

SCHEDULE C

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

C-1(a) Number Of Loans Made Using A Finder In Which Late Fee(s) Were Charged

Finder	Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499	Total Loans Made
1.
	___________________________	___________________________	___________________________	___________________________	___________________________
2.
	___________________________	___________________________	___________________________	___________________________	___________________________
3.
	___________________________	___________________________	___________________________	___________________________	___________________________
4.
	___________________________	___________________________	___________________________	___________________________	___________________________
5.
	___________________________	___________________________	___________________________	___________________________	___________________________
6.
	___________________________	___________________________	___________________________	___________________________	___________________________
7.
	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________

C-1(b) Number Of Loans Made Without Using A Finder In Which Late Fee(s) Were Charged

	Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499	Total Loans Made
Totals
	___________________________	___________________________	___________________________	___________________________

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

	Finder	Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499	Total Loans Made
1.
	___________________________	___________________________	___________________________	___________________________	___________________________
2.
	___________________________	___________________________	___________________________	___________________________	___________________________
3.
	___________________________	___________________________	___________________________	___________________________	___________________________
4.
	___________________________	___________________________	___________________________	___________________________	___________________________
5.
	___________________________	___________________________	___________________________	___________________________	___________________________
6.
	___________________________	___________________________	___________________________	___________________________	___________________________
7.
	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________

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

	Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499	Total Loans Made
Totals
	___________________________	___________________________	___________________________	___________________________

C-3(a) Dollar Amount of Late Fees Collected On Loans Made Using A Finder

	Finder		Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499		Total Late Fees in Dollars
1.		$				$
	___________________________		___________________________	___________________________	___________________________		___________________________
2.
	___________________________		___________________________	___________________________	___________________________		___________________________
3.
	___________________________		___________________________	___________________________	___________________________		___________________________
4.
	___________________________		___________________________	___________________________	___________________________		___________________________
5.
	___________________________		___________________________	___________________________	___________________________		___________________________
6.
	___________________________		___________________________	___________________________	___________________________		___________________________
7.
	___________________________		___________________________	___________________________	___________________________		___________________________
	Totals	$				$
			___________________________	___________________________	___________________________		___________________________

C-3(b) Dollar Amount of Late Fees Collected On Loans Made Without Using A Finder

		Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499		Total Late Fees in Dollars
Totals	$				$

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

	Finder	Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499	Overall Average
1.
	___________________________	___________________________	___________________________	___________________________	___________________________
2.
	___________________________	___________________________	___________________________	___________________________	___________________________
3.
	___________________________	___________________________	___________________________	___________________________	___________________________
4.
	___________________________	___________________________	___________________________	___________________________	___________________________
5.
	___________________________	___________________________	___________________________	___________________________	___________________________
6.
	___________________________	___________________________	___________________________	___________________________	___________________________
7.
	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________

C-4(b) Average Number of Late Fees Charged Per Loan Made Without Using A Finder

	Principal Balance $ 250 - 499	Principal Balance $500 - 1,499	Principal Balance $1,500 - 2,499	Overall Average
Totals
	___________________________	___________________________	___________________________	___________________________

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

	Finder	Principal Balance $ 250 - 499		Principal Balance $500 - 1,499		Principal Balance $1,500 - 2,499		Overall Average
1.			%		%		%		%
	___________________________	___________________________		___________________________		___________________________		___________________________
2.
	___________________________	___________________________		___________________________		___________________________		___________________________
3.
	___________________________	___________________________		___________________________		___________________________		___________________________
4.
	___________________________	___________________________		___________________________		___________________________		___________________________
5.
	___________________________	___________________________		___________________________		___________________________		___________________________
6.
	___________________________	___________________________		___________________________		___________________________		___________________________
7.
	___________________________	___________________________		___________________________		___________________________		___________________________
	Totals
		___________________________		___________________________		___________________________		___________________________

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

	Principal Balance $ 250 - 499		Principal Balance $500 - 1,499		Principal Balance $1,500 - 2,499		Overall Average
Totals		%		%		%		%
	___________________________		___________________________		___________________________		___________________________

SCHEDULE D

SCHEDULE OF LOANS MADE BY LOAN PURPOSE FOR CALENDAR YEAR 200XX

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	Services Other Than a Vehicle	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	Services Other Than a Vehicle	Other
TOTALS
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________

SCHEDULE E

SCHEDULE OF LOANS BY RATE CHARGES FOR CALENDAR YEAR 20XX

E-1(a) Number of Loans Made Between $250 - $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.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
8.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
9.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
10.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
11.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
12.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
13.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
14.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
15.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________

E-1(b) Number of Loans Made Between $250 - $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 - $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.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
8.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
9.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
10.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
11.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
12.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
13.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
14.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
15.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________

E-2(b) Number of Loans Made Between $500 - $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
____________	____________	____________	____________	____________	____________	____________	____________	____________

E-3(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.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
8.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
9.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
10.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
11.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
12.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
13.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
14.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
15.
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________
	Totals
		___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________

E-3(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
	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________	___________________________

SCHEDULE F

SCHEDULE OF LOAN PERFORMANCE AS OF YEAR END 20XX

F-1(a) Number of Loans (using a Finder) With Past Due Payments and Percentage of Loans with Past Due Payments

Finder	NUMBER OF LOANS OUTSTANDING		NUMBER OF LOANS PAST DUE				PERCENTAGE OF LOANS PAST DUE
			Current Loan	1 Payment Past Due	2 Payments Past Due	3 or more Payments Past Due	Current Loan	1 Payment Past Due	2 Payments Past Due	3 or more Payments Past Due
1.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
2.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
3.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
4.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
5.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
6.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
7.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
8.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
9.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
10.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
11.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
12.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
13.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
14.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
15.
	____________	____________	____________	____________	____________	____________	____________	____________	____________	____________
Totals
____________	____________	____________	____________	____________	____________	____________	____________	____________	____________

F-1(b) Number of Loans (not using a Finder) with Past Due Payments and Percentage of Loans with Past Due Payments

	NUMBER OF LOANS OUTSTANDING	NUMBER OF LOANS PAST DUE				PERCENTAGE OF LOANS PAST DUE
		Current Loan	1 Payment Past Due	2 Payments Past Due	3 or more Payments Past Due	Current Loan	1 Payment Past Due	2 Payments Past Due	3 or more Payments Past Due
Totals
	____________	____________	____________	____________	____________	____________	____________	____________	____________

SCHEDULE G

SCHEDULE OF LOANS MADE BY LANGUAGE AND CREDIT EDUCATION PROGRAM OR SEMINAR OFFERED FOR THE CALANDER YEAR 20XX

G-1(a) Number of Loans Made Using a Finder (For columns A and B see instructions.)LANGUAGE IN WHICH THE LOAN WAS NEGOTIATED ORALLY OR IN WRITING

Finder

Enging

Spanish

Chinese

Tagalog

Vietnamese

Korean

____________

10.

____________

Totals

____________

G-1(b) Number of Loans Made Without Using a Finder (For columns A and B see instructions.)

Enging

Spanish

Chinese

Tagalog

Vietnamese

Korean

Totals

____________

SCHEDULE H

SCHEDULE OF FINDERS FOR CALENDAR YEAR 20XX

FINDER	CONTACT PERSON	VOLUME OF BUSINESS IN LOAN $	TYPE OF BUSINESS OPERATED BY FINDER (ex., grocery store, check casher)	AMOUNT OF FEES PAID TO FINDER	PROVIDE TYPE OF LICENSE & LICENSE NUMBER HELD BY FINDER (ex., check casher, pawn broker, etc.)	OWNERSHIP OR OTHER FINANCIAL RELATIONSHIP WITH LICENSEE (YES OR NO)	NUMBER OF BUSINESS LOCATIONS AT WHICH ACBO ACTIVITIES WERE CONDUCTED	BUSINESS ADDRESS (Street, City, State, &Zip Code)
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________
____________	____________	____________	____________	____________	____________	____________	____________	____________

SCHEDULE I

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)at__________(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 PREMIT 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

___________________________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 1606.1

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

Note: Authority cited: Sections 22150 and 22159, Financial Code. Reference: Sections 22159, 22349.2, 22357(c) and 22715, Financial Code.

Disclaimer: These regulations may not be the most recent version. California may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.

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