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Laws & Regulations

Explore the various laws and regulations that guide the work of DFPI. Public participation is critical to the development of new regulations impacting consumer protection in California.

 

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How We Regulate

We regulate a wide variety of financial services, products, and professionals in California. In 2020, our mission broadened to include emerging markets and financial innovations.

California Consumer Financial Protection Law

The California Consumer Financial Protection Law (CCFPL) expands our oversight to include financial activity previously unregulated by the DFPI so we can better protect California consumers and foster responsible innovation.

Legislation Division

The Legislation Division represents the Commissioner and DFPI when communicating with various private, public, and governmental organizations regarding legislation, and analyzes bills to ensure consistent interpretation and application of laws that the DFPI administers and enforces.

 

Regulations and Rulemaking

Any interested person, or his or her authorized representative, may submit written comments relevant to the proposed regulatory action prior to the end of the comment period set forth in the Notice of Proposed Changes to Regulations to the Department of Financial Protection and Innovation, addressed to:

Regulations Coordinator
California Department of Financial Protection and Innovation
2101 Arena Boulevard
Sacramento, CA 95834

Written comments may also be sent to the Regulations Coordinator by email at [email protected] or by fax (916) 322-1559.

Proposed and Approved Regulations (By subject)

Legal Process Information

Opinions and Legal Precedents

General Releases Under Investment, Financial Services and Financial Institutions

 

Rulemaking Notices

To receive notices of DFPI rulemaking, subscribe to our e-mail subscription service.

Public Records Act Requests

California Legislative Information

California Code of Regulations

  • Title 10, Chapter 1
    Regulations impacting banks, credit unions, trust companies, premium finance companies, industrial banks, public banks, and money transmitters, among others under the Financial Institutions Law.
  • Title 1, Chapter 3
    Regulations impacting finance lenders and brokers, residential mortgage lenders and servicers, mortgage loan originators, escrow agents, deferred deposit originators, broker-dealers, investment advisers, student loan servicers, securities offerings, franchise offerings, and PACE program administrators, among others.

Fairness Hearings

California Corporations Code section 25142 allows companies interested in issuing securities in a merger or conducting an exchange of outstanding securities to seek a “fairness” hearing as part of its application for qualification of the offer and sale of securities. By this process, applicants may seek an exemption from federal registration as provided by Section 3(a)(10) of the Securities Act of 1933 through a state-law hearing on the fairness of the terms and conditions of the proposed issuance or exchange of securities.

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