Cal. CIV § 1810.10
This is the official text of Cal. CIV § 1810.10, part of California’s Civil Code — covers contracts, property ownership, personal rights, and other general civil obligations between private parties.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
Official statutory text
(a) Notwithstanding the provision of any contract to the contrary, except as provided in subdivision (b) or (c), no retail seller shall assess any finance charge against the outstanding balance for goods purchased under a retail installment account until the goods are in the buyer’s possession.
(b) A finance charge may be assessed against the outstanding balance for such undelivered goods, as follows:
(1) From the date when such goods are available for pickup by the buyer and the buyer is notified of their availability, or
(2) From the date of purchase, when such goods are delivered or available for pickup by the buyer within 10 days of the date of purchase.
(c) In the case of a home improvement contract as defined in Section 7151.2 of the Business and Professions Code, a finance charge may be assessed against the amount financed from the approximate date of commencement of the work as set forth in the home improvement contract.
(b) A finance charge may be assessed against the outstanding balance for such undelivered goods, as follows:
(1) From the date when such goods are available for pickup by the buyer and the buyer is notified of their availability, or
(2) From the date of purchase, when such goods are delivered or available for pickup by the buyer within 10 days of the date of purchase.
(c) In the case of a home improvement contract as defined in Section 7151.2 of the Business and Professions Code, a finance charge may be assessed against the amount financed from the approximate date of commencement of the work as set forth in the home improvement contract.
Status: in_force · Read it on the official government site
Need a lawyer in California?
Find a California lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.