California Civil Code. California

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СКАЧАТЬ exercise any and all authority and powers available to it under any other provisions of law to administer and enforce this section, including, but not limited to, investigating and examining the licensed person’s books and records, and charging and collecting the reasonable costs for these activities. The licensing agency shall not charge a licensed person twice for the same service. Any civil, criminal, and administrative authority and remedies available to the licensing agency pursuant to its licensing law may be sought and employed in any combination deemed advisable by the licensing agency to enforce the provisions of this section.

      (3) Any supervised financial organization that violates any provision of this section shall be deemed to have violated its licensing law.

      (4) Nothing in this section shall be construed to impair or impede the Attorney General from bringing an action to enforce this division.

      (i) The Department of Business Oversight shall create a form to be made available in each of the languages set forth in subdivision (a) for use by a supervised financial organization to summarize the terms of a mortgage loan pursuant to subdivision (a). In creating the form, the Department of Business Oversight may use as guidance the United States Department of Housing and Urban Development’s Good Faith Estimate disclosure form.

      (j) This section shall not apply to federally chartered banks, credit unions, savings banks, or thrifts.

      (k) Except as otherwise provided in subdivision (h), this section shall not be construed to create or enhance any claim, right of action, or civil liability that did not previously exist under state law, or limit any claim, right of action, or civil liability that otherwise exists under state law.

      (l) An action against a supervised financial organization for a violation of this section may only be brought by a licensing agency or by the Attorney General.

      (m) This section shall become operative beginning on July 1, 2010, or 90 days following the issuance of a form by the Department of Business Oversight pursuant to subdivision (i), whichever occurs later.

      (Amended by Stats. 2015, Ch. 190, Sec. 2. Effective January 1, 2016.)

      1633. (a) Notwithstanding any other provision of law, an application by a prospective customer to enter into a brokerage agreement with a broker-dealer, which application is transmitted electronically and is accompanied by the prospective customer’s electronic signature or digital signature as described in subdivisions (d), (e), (f), and (g), shall be deemed, upon acceptance by the broker-dealer, to be a fully executed, valid, enforceable, and irrevocable written contract, unless grounds exist which would render any other contract invalid, unenforceable, or revocable.

      (b) Nothing in this section abrogates or limits any existing law that would otherwise apply to contracts governed by this section, or any theory of liability or any remedy otherwise available at law.

      (c) “Broker-dealer,” for purposes of this section, means any broker-dealer licensed pursuant to Part 3 (commencing with Section 25200) of Division 1 of Title 4 of the Corporations Code or exempted from licensing pursuant thereto.

      (d) “Electronic” means relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities.

      (e) “Electronic record” means a record created, generated, sent, communicated, received, or stored electronically.

      (f) “Electronic signature” means an electronic sound, symbol, or process attached to or logically associated with an electronic record and executed or adopted by a person with the intent to sign the electronic record.

      (g) “Digital signature,” for the purposes of this section, means an electronic identifier, created by a computer, that is intended by the party using it to have the same force and effect as the use of a manual signature. The use of a digital signature shall have the same force or effect as a manual signature if it embodies all of the following attributes:

      (1) It is unique to the person using it.

      (2) It is capable of verification.

      (3) It is under the sole control of the person using it.

      (4) It is linked to data in a manner that if the data is changed, the digital signature is invalidated.

      (h) The use of an electronic signature or digital signature shall have the same force or effect as a manual signature.

      (i) The application that is transmitted electronically pursuant to subdivision (a) shall comply with all applicable federal and state securities laws and regulations relating to disclosures to prospective customers. Unless those laws and regulations currently require disclosures to be displayed or printed in bold, to be of specific type or print size, and to be placed prominently at specified locations within the application, the disclosures shall be displayed prominently and printed in capital letters, in bold type and displayed or printed immediately above the signature line. Disclosures shall be written in plain English. The full text of the disclosures shall be contained in the application as required by this subdivision.

      (j) Whenever a disclosure to a prospective customer is required under federal or state law or regulation to be confirmed as having been made, the application that is transmitted electronically pursuant to subdivision (a) shall provide a means by which the prospective customer shall confirm that he or she has read the disclosure.

      (Added by Stats. 1999, Ch. 213, Sec. 1. Effective July 28, 1999.)

      TITLE 2.5. ELECTRONIC TRANSACTIONS [1633.1 — 1633.17]

      (Title 2.5 added by Stats. 1999, Ch. 428, Sec. 1.)

      1633.1. This title may be cited as the Uniform Electronic Transactions Act.

      (Added by Stats. 1999, Ch. 428, Sec. 1. Effective January 1, 2000.)

      1633.2. In this title the following terms have the following definitions:

      (a) “Agreement” means the bargain of the parties in fact, as found in their language or inferred from other circumstances and from rules, regulations, and procedures given the effect of agreements under laws otherwise applicable to a particular transaction.

      (b) “Automated transaction” means a transaction conducted or performed, in whole or in part, by electronic means or electronic records, in which the acts or records of one or both parties are not reviewed by an individual in the ordinary course in forming a contract, performing under an existing contract, or fulfilling an obligation required by the transaction.

      (c) “Computer program” means a set of statements or instructions to be used directly or indirectly in an information processing system in order to bring about a certain result.

      (d) “Contract” means the total legal obligation resulting from the parties’ agreement as affected by this title and other applicable law.

      (e) “Electronic” means relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities.

      (f) “Electronic agent” means a computer program or an electronic or other automated means used independently to initiate an action or respond to electronic records or performances in whole or in part, without review by an individual.

      (g) “Electronic record” means a record created, generated, sent, communicated, received, or stored by electronic means.

      (h) СКАЧАТЬ