Civil Code section 1802.12

“Total of payments” means the amount required to be disclosed pursuant to subdivision (h) of Section 226.18 of Regulation Z. The term includes any portion of the downpayment deferred until not later than the second otherwise scheduled payment and which is not subject to a finance charge.

Source: Section 1802.12, https://leginfo.­legislature.­ca.­gov/faces/codes_displaySection.­xhtml?lawCode=CIV§ionNum=1802.­12.­ (updated Oct. 1, 1982; accessed Jun. 16, 2025).

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§ 1802.12’s source at ca​.gov