This section of the California Financial Code governs the examinations of California state banks, foreign banks, and California state trust companies. It defines a ‘foreign bank’ as the business in California of every foreign bank licensed under Article 3 of Chapter 20 of Division 1.1. The commissioner is responsible for causing examinations to be conducted on California state banks and foreign banks, with a minimum frequency of once every 12 months.

The provided legal document content pertains to loans to insiders and is part of the California Financial Code under the section on Restrictions and Prohibited Practices. It incorporates and refers to various sections of Regulation O (12 C.F.R. Part 215) of the Federal Reserve Board, which governs Loans to Insiders. The document provides definitions for key terms such as ‘Bank’, ‘Company’, ‘Executive officer’, ‘Extension of credit’, ‘Regulation O’, and ‘Subsidiary’. It clarifies certain terms and expands the definition of ’executive officer’ to include managers of specific bank offices.

The provided legal document content covers various aspects related to deposits and banking operations. It governs the rights and benefits of minors and married persons in bank accounts, the handling of multiple-party accounts, the payment of interest on demand deposits, and the benefits accruing from the placement of funds received by real estate brokers. It also addresses the handling of statements of account by banks, charges on savings accounts, setoff rights and limitations for banks, and deposits and savings promotions offered by banks.

The provided legal document content pertains to the certification of checks by banks. According to the document, when a bank certifies a check, the amount of the check is immediately charged against the account of the drawer. It is unlawful for any officer or employee of a bank to certify a check unless the drawer has sufficient funds on deposit with the bank at the time of certification. The document states that any bank officer or employee who willfully violates this provision or attempts to evade it by resorting to any device or receiving fictitious obligations is guilty of a felony.

The provided legal document consists of two parts. The first part governs the notice to a bank operating a safety deposit department or to a company conducting a safety deposit business regarding an adverse claim to personal property in a safe-deposit box or held in safekeeping or storage. It applies to banks operating a safety deposit department or companies conducting a safety deposit business. The document states that the notice of an adverse claim by a person, referred to as the ‘adverse claimant,’ shall be disregarded by the bank or company, and they shall permit access to the box or deliver the contents or property to the person who rented it or for whom it is held.

This legal document defines the term ‘bank holding company’ and outlines the criteria for determining whether a person or company qualifies as a bank holding company. It applies to persons or companies that directly or indirectly own, control, or hold with the power to vote 10 percent or more of the outstanding stock of any domestic bank, or control the election of a majority of directors of any domestic bank. The document also grants the commissioner the authority to determine if a person or company exercises a controlling influence over the management and policies of any domestic bank.

The provided legal document content pertains to the ownership and maintenance of eligible securities by licensees under the Money Transmission Act in California. The documents govern the criteria and requirements for licensees to own eligible securities, including the ownership criteria, exceptions to ownership requirements, and the determination of ownership based on factors such as assets, liabilities, and compliance history. The documents also outline the calculation of the aggregate value of eligible securities owned by licensees, specifying exclusions and exemptions for certain types of eligible securities.

The provided legal document content pertains to the regulation of money transmission businesses in the state of California. It applies to applicants, licensees, agents, and persons involved in money transmission within the state. The document defines various terms related to money transmission and provides additional information on their application. It emphasizes the importance of money transmission businesses in facilitating payments and transmitting money to family members. The document highlights the need to protect consumer interests, maintain public confidence in financial institutions, and preserve the well-being of the people.

The legal document establishes the Bank on California Program, which is a voluntary collaborative initiative aimed at assisting Californians in opening bank or credit union accounts and saving for the future. The program is administered by the Department of Financial Protection and Innovation. The document also requires the department to provide an annual summary of the program’s activities to the Senate Committee on Banking and Financial Institutions and the Assembly Committee on Banking and Finance.

The provided legal document content is a division of the California Financial Code that governs automated teller machines (ATMs) and user safety. It provides definitions for various terms related to ATMs and establishes a standard of care for operators of ATMs regarding user safety. The division requires operators of existing installed ATMs and any ATMs installed after a certain date to adopt procedures for evaluating the safety of the ATMs. It also sets forth lighting standards for ATMs and their surrounding areas during hours of darkness.