California Codes, Civil Code - CIV, Division 3 — Obligations, Part 4 — Obligations Arising from Particular Transactions, Title 2 — Credit Sales, Chapter 1 — Retail Installment Sales, Article 2 — Definitions, 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.
Notes
Defines “total of payments” as the amount required to be disclosed under the referenced Regulation Z provision. Includes in that term any portion of the downpayment deferred until no later than the second otherwise scheduled payment, provided that deferred portion is not subject to a finance charge.
Use as reference
Lexinter.net | California Code, Civil Code - CIV § 1802.12 | https://laws.lexinter.net/codes/california/civil-code/division-3/part-4/title-2/chapter-1/article-2/section-1802-12