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GENERAL PROVISIONS

DIVISION 1. FINANCIAL INSTITUTIONS

CHAPTER 1. Definitions

CHAPTER 2. Transition Provisions

CHAPTER 3. Department of Financial Protection and Innovation

ARTICLE 1. General Provisions

ARTICLE 2. Commissioner of Financial Protection and Innovation

ARTICLE 3. Deputies and Employees

ARTICLE 4. Administration of the Department

ARTICLE 5. Financial Institutions Fund

ARTICLE 6. State Banking Account

CHAPTER 4. Operations

CHAPTER 5. Examinations and Reports-Banking

ARTICLE 1. Examination

ARTICLE 2. Reports

CHAPTER 6. Enforcement

ARTICLE 1. General Provisions

ARTICLE 2. Actions Involving the Conduct of Business by Unauthorized Persons

ARTICLE 3. Orders Against Licensees and Subject Persons

ARTICLE 4. Suspension or Removal of Subject Persons

ARTICLE 5. Suspension or Possession of a License

CHAPTER 7. Liquidation and Conservation

ARTICLE 1. General Provisions

ARTICLE 2. Conservation or Liquidation of an Insured Licensee

ARTICLE 3. Conservatorship of an Uninsured Licensee

ARTICLE 4. Liquidation of an Uninsured Licensee

ARTICLE 5. Disposal of Unclaimed Trust Property

ARTICLE 6. Priorities

CHAPTER 8. Voluntary Liquidation

CHAPTER 9. Approval of Names of Nonbank Corporations

CHAPTER 10. Legal Investments for Nonbank Licensees

DIVISION 1.1. BANKING

CHAPTER 1. General Provisions

CHAPTER 2. Application

CHAPTER 3. Authorization to Engage in Banking

CHAPTER 4. Bank Offices

CHAPTER 4.5. Bank Extraordinary Situation Closing

CHAPTER 5. Corporate Requirements

ARTICLE 1. Articles, Bylaws, and Names

ARTICLE 2. Shares

ARTICLE 3. Distributions to Shareholders

ARTICLE 4. Shareholders’ Equity

ARTICLE 5. Directors

ARTICLE 6. Shareholders

CHAPTER 6. Securities

CHAPTER 7. Acquisition of Control

CHAPTER 8. Bank Holding Companies

CHAPTER 9. Authorizations for Banks

CHAPTER 10. Restrictions and Prohibited Practices

ARTICLE 1. General Provisions

ARTICLE 2. Loans to Insiders

CHAPTER 11. Agency Activities

ARTICLE 1. General Provisions

ARTICLE 2. California State Bank as Principal

ARTICLE 3. California State Bank as Agent

CHAPTER 12. Deposits

ARTICLE 1. Depositors

ARTICLE 2. Disclosure of Delayed Availability Policy

ARTICLE 3. Dormant Accounts

CHAPTER 13. Withdrawals and Collections

ARTICLE 1. General

ARTICLE 2. Certified Checks

CHAPTER 14. Loans and Investments

ARTICLE 1. General Provisions

ARTICLE 2. Loan and Investment Limitations

ARTICLE 3. Loan Limits

ARTICLE 4. Investments

ARTICLE 5. Miscellaneous

CHAPTER 15. Industrial Banks

ARTICLE 1. General Provisions

ARTICLE 2. Industrial Bank Business

CHAPTER 16. Trust Companies

ARTICLE 1. General Provisions

ARTICLE 2. Fiduciary Activities

ARTICLE 3. Deposits with State Treasurer

ARTICLE 4. Investments

ARTICLE 5. Miscellaneous

CHAPTER 17. Safe Deposit

ARTICLE 1. General Provisions

ARTICLE 2. Remedies for Nonpayment of Rent

CHAPTER 18. Interstate Acquisitions

CHAPTER 19. Foreign (Other State) Banks

ARTICLE 1. General Provisions

ARTICLE 2. California Branch Offices

ARTICLE 3. Facilities of Insured Foreign (Other State) Banks

ARTICLE 4. Facilities of Uninsured Foreign (Other State) Banks

CHAPTER 20. Foreign (Other Nation) Banks

ARTICLE 1. General Provisions

ARTICLE 2. Representative Offices

ARTICLE 3. Agencies and Branch Offices

ARTICLE 4. Voluntary Surrender of License

ARTICLE 5. Enforcement

CHAPTER 21. International and Foreign Banking and Financing

ARTICLE 1. International and Foreign Banking and Financing Corporations

ARTICLE 2. Bank Investments in International or Foreign Banking or Financing Companies Organized Under the Laws of the United States

ARTICLE 3. Bank Investments in International or Foreign Banking or Financing Corporations Organized Under the Laws of any State of the United States

ARTICLE 4. Bank Investments in Foreign Banks

DIVISION 1.2. MONEY TRANSMISSION ACT

CHAPTER 1. General Provisions

CHAPTER 2. Exemptions

CHAPTER 3. Licenses

CHAPTER 4. Agents

CHAPTER 5. Eligible Securities

CHAPTER 6. Consumer Disclosures

CHAPTER 7. Examinations, Special Reports, and Records

CHAPTER 8. Additional Enforcement Provisions

CHAPTER 9. Miscellaneous Provisions

DIVISION 1.25. Digital Financial Assets Businesses

CHAPTER 1. General Provisions

CHAPTER 2. Licensure

CHAPTER 3. Examination

CHAPTER 4. Enforcement

CHAPTER 5. Disclosures and Protections

CHAPTER 6. Stablecoins

CHAPTER 7. Policies and Procedures

CHAPTER 8. Miscellaneous Provisions

CHAPTER 9. Digital Financial Asset Transaction Kiosks

DIVISION 1.3. THE SETTING OF FEES IN CONSUMER CREDIT AGREEMENTS AND RELATED CONSUMER PROTECTIONS

DIVISION 1.4. CALIFORNIA FINANCIAL INFORMATION PRIVACY ACT

DIVISION 1.5. FINANCIAL INSTITUTIONS

DIVISION 1.6. DEPOSITORY CORPORATIONS—SALE, MERGER, AND CONVERSION

CHAPTER 1. General Provisions

ARTICLE 1. Short Title, Construction, and Severability

ARTICLE 2. Definitions

4805.01-4805.18

ARTICLE 3. Other General Provisions

CHAPTER 2. Administration

CHAPTER 3. Sale

ARTICLE 1. General Provisions

ARTICLE 2. Sale of Whole Business Unit to California State Depository Corporation or California State-Licensed Foreign (Other Nation) Bank

ARTICLE 3. Sale of Whole Business Unit to Federal Depository Corporation, California Federally Licensed Foreign (Other Nation) Bank, or Insured Foreign (Other State) State Depository Corporation

ARTICLE 3.5. Sale of Whole Business Unit of California State Independent Trust Company to Uninsured Foreign (Other State) State Depository Corporation

4876.01-4876.09

ARTICLE 4. Certain Sales of Partial Business Units

4877.01-4877.07

ARTICLE 4.5. Sale of Partial Trust Business Unit by California State Bank or Savings Association to Uninsured Foreign (Other State) State Depository Corporation

4878.01-4878.08

ARTICLE 5. Other Sales of Partial Business Units

4879.01-4879.17

CHAPTER 4. Merger

ARTICLE 1. Merger Into California State Depository Corporation

ARTICLE 2. Merger Into California State-Licensed Foreign (Other Nation) Bank

4895.01-4895.06

ARTICLE 3. Merger Into Federal Depository Corporation, California Federally Licensed Foreign (Other Nation) Bank, or Insured Foreign (Other State) State Depository Corporation

ARTICLE 4. Merger of California State Independent Trust Company into Uninsured Foreign (Other State) Depository Corporation

4908.01-4908.10

CHAPTER 5. Conversion

ARTICLE 1. Conversion of California State Depository Corporation Into California State Depository Corporation

ARTICLE 2. Conversion of Federal Depository Corporation Into California State Depository Corporation

ARTICLE 3. Conversion of California State Depository Corporation Into Federal Depository Corporation

DIVISION 1.7. COVERED LOANS

CHAPTER 1. General Provisions and Definitions

CHAPTER 2. Prohibited Acts

CHAPTER 3. Enforcement

DIVISION 1.8. SECURITIES SALES

DIVISION 1.9. PERSONS CONNECTED WITH FINANCIAL INSTITUTIONS

DIVISION 1.10. HIGHER-PRICED MORTGAGE LOANS

DIVISION 2. SAVINGS ASSOCIATION LAW

CHAPTER 1. Short Title, General Definitions, and General Provisions

ARTICLE 1. Short Title

ARTICLE 2. General Definitions

ARTICLE 3. General Provisions

ARTICLE 4. Penalties

ARTICLE 5. Criminal Forfeiture

ARTICLE 6. Civil Penalties

CHAPTER 2. Corporate Organization and Corporate Changes

ARTICLE 1. Organizing Permit

ARTICLE 2. Petition for Certificate of Authority

ARTICLE 3. Postincorporation Organization of Associations

ARTICLE 4. Issuance of Stock and Certificates

ARTICLE 5. Association Name, Office

ARTICLE 6. Conversions

ARTICLE 7. Power to Reorganize, Merge, Consolidate, or Transfer Assets

ARTICLE 8. Holding Companies and Stock Acquisitions

ARTICLE 9. Dissolution

ARTICLE 10. Mutual Holding Companies

CHAPTER 3. Corporate Administration

ARTICLE 1. Meetings of Members of Mutual Associations

ARTICLE 2. Access to Books and Records; Communication with Stockholders or Members; Derivative Actions

ARTICLE 3. Financial Statement Publication

ARTICLE 4. Directors

ARTICLE 5. Indemnity Bonds

ARTICLE 6. Records

ARTICLE 7. Statutory Net Worth; Reserve Accounts

CHAPTER 4. Powers of Associations

ARTICLE 1. General Powers

ARTICLE 2. Branching and Agency Powers

CHAPTER 5. Savings Operations

ARTICLE 1. Savings Liability

ARTICLE 2. Savings Accounts

ARTICLE 3. Contracts for Savings Programs

ARTICLE 4. Powers of Attorney on Savings Accounts

ARTICLE 5. Married Persons and Minors

ARTICLE 6. Multiple-Party Accounts

ARTICLE 7. Accounts of Administrators, Executors, Guardians, Custodians, Trustees, and Other Fiduciaries

ARTICLE 8. Accounts of Incompetents

ARTICLE 9. Accounts of Deceased Nonresidents

ARTICLE 10. Savings Accounts as Legal Investments and as Security; Public Funds

ARTICLE 11. Interest

ARTICLE 12. Withdrawals

ARTICLE 13. Redemption

CHAPTER 6. Investment Operations

ARTICLE 1. Required Liquidity

ARTICLE 2. Investment in Securities

ARTICLE 2.5. Other Authorized Investments in Bonds and Securities

ARTICLE 3. Investment in Business Property

ARTICLE 4. Purchase of Real Estate

ARTICLE 5. Investment in Loans

ARTICLE 6. Real Estate Loans

ARTICLE 7. Successors in Interest in Loans

ARTICLE 8. Salvage of Loans and Investments

ARTICLE 9. Usury Exemption

ARTICLE 10. Finance Leasing

ARTICLE 10.5. Leasing

ARTICLE 11. Hazard Insurance

CHAPTER 7. Supervision

ARTICLE 1. Department of Savings and Loan

ARTICLE 2. Savings and Loan Account

ARTICLE 3. General Supervisory Powers and Duties of Commissioner

ARTICLE 4. Reports and Examinations

ARTICLE 5. Enforcement

ARTICLE 6. Conservatorship

ARTICLE 7. Receivership

CHAPTER 8. Federal Associations

CHAPTER 9. Fees

CHAPTER 10. Foreign (National) Savings Companies

DIVISION 3. CHECK SELLERS, BILL PAYERS, AND PRORATERS

CHAPTER 1. Definitions

CHAPTER 2. Application of Division

CHAPTER 3. Licensing

CHAPTER 4. Licensee Regulations

CHAPTER 5. Revocation of Licenses

DIVISION 4. AUTOMATED TELLER MACHINES: USER SAFETY

CHAPTER 1. Intent

CHAPTER 2. Definitions

CHAPTER 3. Location and Installation

CHAPTER 4. Lighting

CHAPTER 5. Consumer Education

CHAPTER 6. Exemptions

CHAPTER 7. Effect of Compliance

DIVISION 4.5. AUTOMATED TELLER MACHINE SURCHARGE DISCLOSURE

DIVISION 5. CREDIT UNIONS

CHAPTER 1. General Provisions

ARTICLE 1. Definitions

ARTICLE 2. General

CHAPTER 2. Formation

ARTICLE 1. Incorporation and Bylaws

ARTICLE 2. Certificate to Act as a Credit Union

CHAPTER 3. Administration and Powers of the Commissioner

ARTICLE 1. General

ARTICLE 2. Examinations and Reports

ARTICLE 3. Enforcement

ARTICLE 4. Costs of Administration

ARTICLE 5. Credit Union Advisory Committee

CHAPTER 4. Management and Operations

ARTICLE 1. General

ARTICLE 2. Directors

ARTICLE 3. Officers

ARTICLE 4. Supervisory Committee

ARTICLE 5. Credit Committee and Loan Officers

ARTICLE 6. Investments

ARTICLE 7. Reserves

ARTICLE 8. Penalties

CHAPTER 5. Members

CHAPTER 6. Share Accounts and Certificates for Funds

ARTICLE 1. General

ARTICLE 2. Dividends

CHAPTER 7. Loans

ARTICLE 1. General

ARTICLE 2. Maximum Charges and Fees

ARTICLE 3. Loans to Directors, Officers and Committee Members

ARTICLE 4. Limitations

CHAPTER 9. Merger, Dissolution and Conversion

ARTICLE 1. Merger

ARTICLE 2. Dissolution

ARTICLE 3. Conversion Into Federal Credit Unions

ARTICLE 4. Conversion of Federal Credit Union

CHAPTER 10. Central Credit Union

ARTICLE 1. Definition

ARTICLE 2. General

CHAPTER 11. Foreign (Other State) Credit Unions

ARTICLE 1. General Provisions

ARTICLE 2. Establishment of a California Branch Office or California Facility

ARTICLE 5. Relocation or Discontinuance of California Branch Office or California Facility

ARTICLE 6. Conduct of Credit Union Business

ARTICLE 7. Examination, Reports, and Records

ARTICLE 9. Enforcement

CHAPTER 12. Foreign (Other Nation) Credit Unions

ARTICLE 1. General Provisions

ARTICLE 2. Representative Offices

ARTICLE 3. Branch Offices and Agencies

ARTICLE 6. Conduct of Credit Union Business

ARTICLE 7. Examination, Reports, and Records

ARTICLE 8. Voluntary Surrender of License

ARTICLE 9. Enforcement

DIVISION 6. ESCROW AGENTS

CHAPTER 1. Application of This Division

CHAPTER 2. License and Bond

CHAPTER 2.5. Escrow Agents’ Fidelity Corporation

ARTICLE 1. Definitions

ARTICLE 2. Purpose: Scope of Guarantee

ARTICLE 3. Membership Fee and Assessments

ARTICLE 4. General Provisions

CHAPTER 3. Escrow Regulations

CHAPTER 4. Revocation of License

CHAPTER 5. Hearings

CHAPTER 6. Liquidation and Conservatorship

ARTICLE 1. Possession by Commissioner

ARTICLE 2. Conservatorship

ARTICLE 3. Liquidation by the Commissioner

CHAPTER 7. Crimes and Civil Penalties

DIVISION 7. INDUSTRIAL LOAN COMPANIES

CHAPTER 1. General Provisions

ARTICLE 1. Definitions

ARTICLE 2. General Provisions

ARTICLE 3. Real Property Held

ARTICLE 4. Advertising

CHAPTER 2. Formation and Organization

ARTICLE 1. General

ARTICLE 2. Applications

ARTICLE 3. Capitalization

ARTICLE 4. Branch Offices

ARTICLE 5. Change of Location

CHAPTER 3. Loans and Purchased Obligations

ARTICLE 1. General

ARTICLE 2. Terms and Maximum Charges

ARTICLE 3. Disclosure and Loan Documents

ARTICLE 4. Credit Cards

ARTICLE 5. Limitations and Regulations of Loans and Purchased Obligations

ARTICLE 6. Insurance Sold With Loans

ARTICLE 6.5. Open-End Loans

CHAPTER 4. Investment Certificates

CHAPTER 5. Administration and Powers of the Commissioner

ARTICLE 1. General

ARTICLE 2. Examinations

ARTICLE 3. Reports and Financial Statements

ARTICLE 4. Possession, Conservatorship, and Liquidation by the Commissioner

ARTICLE 5. Securities Transactions

CHAPTER 6. Prohibited Practices and Penalties

CHAPTER 7. Guarantee of Thrift Accounts

ARTICLE 1. Definitions

ARTICLE 2. General

ARTICLE 3. Purpose and Scope of Guaranty Corporation

ARTICLE 4. Assessments

CHAPTER 8. Insurance Premium Financing

ARTICLE 1. Definitions

ARTICLE 2. General

ARTICLE 3. Provisions of Premium Finance Agreements

ARTICLE 4. Limitation on Finance Charges

ARTICLE 5. Charges on Scheduled Balances

CHAPTER 9. Interstate Acquisitions

CHAPTER 10. Foreign (Other State) Industrial Loan Companies: Agency Activities

ARTICLE 1. General Provisions

ARTICLE 2. Facilities of Insured Foreign (Other State) Industrial Loan Companies

ARTICLE 3. California Branch Offices

ARTICLE 4. California Industrial Loan Company as Principal

ARTICLE 5. California Industrial Loan Company as Agent

DIVISION 8. PAWNBROKERS

CHAPTER 1. General Provisions

ARTICLE 1. Definitions

ARTICLE 2. Exceptions to This Division

CHAPTER 2. Pawnbroker Regulations

CHAPTER 3. Licensure

DIVISION 9. CALIFORNIA FINANCING LAW

CHAPTER 1. General Provisions

ARTICLE 1. Definitions

ARTICLE 2. Exemptions

ARTICLE 3. Licensing

ARTICLE 4. Regulations

CHAPTER 2. Consumer Loans

ARTICLE 1. Definitions

ARTICLE 2. Exemptions

ARTICLE 3. Loan Regulations

ARTICLE 3.6. Pilot Program for Increased Access to Responsible Small Dollar Loans

ARTICLE 4. Charges On Scheduled Balances

ARTICLE 5. Open-End Loan Programs

ARTICLE 6. Disclosure of Loan Applications

CHAPTER 3. Commercial Loans

ARTICLE 1. Definitions

ARTICLE 2. Exemptions

ARTICLE 3. Loan Regulations

ARTICLE 4. Open-End Credit Programs

CHAPTER 3.5. Program Administrators

CHAPTER 4. Revocation and Penalties

ARTICLE 1. Revocation and Suspension of License

ARTICLE 2. Consumer Loan Penalties

ARTICLE 3. Commercial Loan Penalties

DIVISION 9.5. Commercial Financing Disclosures

DIVISION 10. CALIFORNIA DEFERRED DEPOSIT TRANSACTION LAW

CHAPTER 1. General Provisions

ARTICLE 1. Construction and Definitions

ARTICLE 2. Licensing and Exemptions

ARTICLE 3. Administration and Operations

CHAPTER 2. Deferred Deposit Transactions

CHAPTER 3. Enforcement

ARTICLE 1. Administrative Actions

ARTICLE 2. Penalties for Misconduct

ARTICLE 3. Civil Damages

ARTICLE 4. Crimes

ARTICLE 5. Transition Provisions

ARTICLE 6. Miscellaneous

[DIVISION 10. CONSUMER FINANCE LENDERS]

DIVISION 10.5. Financial Empowerment Fund

DIVISION 11.5. NATIONAL HOUSING ACT LOANS

CHAPTER 1. Investments

CHAPTER 2. Securities for Deposit

DIVISION 12. COLLEGE LOANS

DIVISION 12.5. Student Loan Servicing Act

CHAPTER 1. General Provisions

ARTICLE 1. Short Title

ARTICLE 2. Requirement for License

ARTICLE 3. Definitions

CHAPTER 2. Licensing

ARTICLE 1. Commissioner of Financial Protection and Innovation

ARTICLE 2. Application for License

ARTICLE 3. Nationwide Multistate Licensing System and Registry

CHAPTER 3. Licensee Duties

CHAPTER 4. Administration and Power of the Commissioner

CHAPTER 5. Enforcement

CHAPTER 6. Miscellaneous

DIVISION 13. PREMIUM FINANCING

DIVISION 14. SECURITIES DEPOSITORIES

CHAPTER 1. Application of This Division

CHAPTER 2. License

CHAPTER 3. Revocation of License

CHAPTER 4. Hearings

DIVISION 15. BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATIONS

CHAPTER 1. General Provisions

ARTICLE 1. Short Title, Construction, and Severability

ARTICLE 2. Legislative Findings and Purposes

ARTICLE 3. Definitions

CHAPTER 2. Administration

CHAPTER 3. Licensing

CHAPTER 4. Corporate Matters

ARTICLE 1. Name

ARTICLE 2. Board of Directors

ARTICLE 3. Securities

ARTICLE 4. Distributions to Shareholders

CHAPTER 5. Offices

ARTICLE 1. General Provisions

ARTICLE 2. Establishing, Relocating, and Closing Offices

CHAPTER 6. Transaction of Business

CHAPTER 7. Records, Reports, and Examinations

CHAPTER 8. Acquisition of Control

CHAPTER 9. Merger and Purchase or Sale of Business

CHAPTER 10. Voluntary Surrender of License

CHAPTER 12. Crimes and Criminal Penalties

ARTICLE 1. General Provisions

ARTICLE 2. Conflicts of Interest

ARTICLE 3. Criminal Penalties

CHAPTER 13. Civil Penalties

CHAPTER 14. Transition Provisions

DIVISION 15.5. STATE ASSISTANCE FUND FOR ENTERPRISE, BUSINESS AND INDUSTRIAL DEVELOPMENT CORPORATION

CHAPTER 1. General Provisions

ARTICLE 1. Short Title, Construction and Severability

ARTICLE 2. Legislative Purposes

ARTICLE 3. Definitions

CHAPTER 2. Corporate Matters

ARTICLE 1. Creation of the Corporation

ARTICLE 2. Corporate Name

ARTICLE 3. Board of Directors

ARTICLE 4. Management of the Corporation

ARTICLE 6. Powers, Exclusions and Prohibitions

CHAPTER 3. Corporate Finances

ARTICLE 1. Corporate Accounts

ARTICLE 3. Government Guaranteed Securities Trust Fund

CHAPTER 5. Loan Operations

CHAPTER 6. Miscellaneous

ARTICLE 3. Special Projects

CHAPTER 7. Borrowing From the State

ARTICLE 2. State Enterprise Loan Fund

ARTICLE 3. Borrowing from the Fund

DIVISION 19. RELEASE OF DEMAND DEPOSIT FUNDS

DIVISION 20. CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT

CHAPTER 1. General

CHAPTER 2. Licensing: Residential Mortgage Lender

CHAPTER 3. Licensing: Residential Mortgage Loan Servicer

CHAPTER 3.5. Mortgage Loan Originators

CHAPTER 3.6. Nationwide Mortgage Licensing System and Registry

CHAPTER 4. Financial Condition, Transaction and Bond Requirements

CHAPTER 5. Administration and Powers of the Commissioner

CHAPTER 6. Assessments

CHAPTER 7. Prohibited Practices and Penalties

CHAPTER 9. Brokerage Services for Borrowers

DIVISION 20.5. EXCHANGE FACILITATORS

DIVISION 22. CALIFORNIA FINANCIAL LITERACY FUND

DIVISION 23. BANK ON CALIFORNIA PROGRAM

DIVISION 24. California Consumer Financial Protection Law

CHAPTER 1. Findings and Purpose

CHAPTER 2. Short Title

CHAPTER 3. Exemptions

CHAPTER 4. Prohibited Acts

CHAPTER 5. Definitions

CHAPTER 6. Administration

CHAPTER 7. Oversight

CHAPTER 8. Enforcement Powers and Duties

CHAPTER 9. Annual Report

CHAPTER 10. Miscellaneous

DIVISION 25. Debt Collection Licensing Act

CHAPTER 1. General Provisions

ARTICLE 1. Short Title

100000-100000.7

ARTICLE 2. Requirements for Licensure

ARTICLE 3. Definitions

CHAPTER 2. Licensing

ARTICLE 1. Commissioner on Financial Protection and Innovation

100003-100006.5

ARTICLE 2. Application for Licensure

ARTICLE 3. Nationwide Multistate Licensing System and Registry

CHAPTER 3. Licensee Duties

CHAPTER 4. Periodic Examination of Licensees

CHAPTER 5. Advisory Committee

DIVISION 26. Firearms Merchant Category Code