California Code Library · Topic
Buying & selling: brokerage and disclosure
The rules for the people who carry a sale: real estate licensing, broker supervision, trust funds and the Real Estate Commissioner's regulations.
243 documents of verbatim text. Where a code is listed section by section, the library holds those sections, not the whole code.
What this topic covers
Browse collected material or search within this topic. Subjects without a dedicated listing include a coverage note.
Licensing & discipline
Broker and salesperson qualifications, licensing and discipline.
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Broker supervision
Office, salesperson and transaction supervision duties.
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Trust funds & client money
Handling, accounting for and safeguarding client funds.
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Advertising & representations
Advertising, team names and misleading statements.
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Agency & conflicts
Agency-duty provisions do not yet have a dedicated list on this page. Browse the related brokerage rules.
Browse related material →Seller disclosures
Seller-disclosure provisions do not yet have a dedicated list on this page. Browse the related brokerage rules.
Browse related material →Escrow, title & recording
Escrow, title and recording do not yet have a dedicated list on this page. Related escrow provisions appear among the brokerage rules.
Browse related material →How to read these sources
Start with a research question, then follow the collected sources. These notes explain the organization; the linked provisions supply their conditions and exceptions.
Who may act as a broker, and who supervises the work?
Start with the statutory definition of a real estate broker. The regulations then address licensing administration and the responsible broker’s supervision. Keeping the statute and Articles 3 and 4 separate makes it easier to distinguish a licensing requirement from an office or transaction-supervision duty.
How do client funds, advertising and escrow connect?
Client-money questions have both a statutory source and trust-account regulations. Advertising is a different Article, while broker-handled escrow has its own recordkeeping and funds-handling provisions. Follow the relevant group rather than assuming that one supervision provision answers every transaction question.
The law, verbatim
Collected provisions are indexed by their official chapter or Article. Eviction reading groups are labeled separately. This is a selection of source snapshots; consult each document’s edition and the linked official source for applicable text.
Real estate licensing & brokerage
Business & Professions Code licensing sections and the Real Estate Commissioner's regulations (10 CCR, Chapter 6) — license qualifications, broker supervision, trust funds, disclosures and advertising. Selected sections.
Business and Professions Code · Division 4 · Part 1
Statutory licensing & client-fund duties
Selected Business and Professions Code provisions on licensed activities and handling client funds. These statutes are separate from the Commissioner’s regulations below.
2 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 1. General Provisions
Definitions and short references used throughout the Commissioner’s regulations.
1 collected provision
10 CCR · Chapter 6 · Real Estate Commissioner
Article 3. License Applications, Fees and Changes
Applications, license changes, addresses, fees and related filing requirements. Read these administrative rules alongside the statutory licensing provisions.
9 collected provisions
- Applications and Notices of Change of Status — 10 CCR § 2710
- Fingerprints — 10 CCR § 2712
- Electronic Signature — 10 CCR § 2713
- Business and Residence Addresses of Licensees — 10 CCR § 2715
- Additional Information—Examination and License Applications — 10 CCR § 2715.5
- License Fees — 10 CCR § 2716.1
- Special Fee — 10 CCR § 2716.5
- Allocation of Fees to Education and Research Account — 10 CCR § 2717
- Legal Presence Requirements — 10 CCR § 2718
10 CCR · Chapter 6 · Real Estate Commissioner
Article 4. Brokers
Broker qualifications, office records, supervision and retention of transaction records. Section 2725 addresses broker supervision.
9 collected provisions
- Minimum Age — 10 CCR § 2720
- Minimum Requirements for Supervision Under Section 10131.01 — 10 CCR § 2724
- Broker Supervision — 10 CCR § 2725
- Broker Responsibility Regarding Debarred Persons — 10 CCR § 2725.5
- Broker-Salesman Relationship Agreements — 10 CCR § 2726
- Brokers and Salespersons Performing Licensed Activities Through a Partnership — 10 CCR § 2728
- Broker Associate Operating from Branch Offices — 10 CCR § 2728.5
- Record Retention — 10 CCR § 2729
- Record Retention—Uniform Electronic Transactions Act — 10 CCR § 2729.5
10 CCR · Chapter 6 · Real Estate Commissioner
Article 5. Licenses Under Fictitious Names
The regulation governing a licensee’s use of a false or fictitious business name.
1 collected provision
10 CCR · Chapter 6 · Real Estate Commissioner
Article 6. Corporate Licenses
Broker officers, corporate license applications and corporate ownership information.
4 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 7. Salespersons
Salesperson qualifications and the relationship with the responsible broker.
3 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 7.5. Mortgage Loan Originator License Endorsement
Examinations, education, applications and renewal for mortgage loan originator endorsements.
7 collected provisions
- Examination — 10 CCR § 2758.1
- Fingerprints — 10 CCR § 2758.2
- Evidence of Financial Responsibility — 10 CCR § 2758.3
- Fees — 10 CCR § 2758.4
- Application, Electronic Signature, and License Changes — 10 CCR § 2758.5
- Corporate Real Estate Brokers, Officers, Directors, and Shareholders — 10 CCR § 2758.6
- Renewal and Continuing Education — 10 CCR § 2758.7
10 CCR · Chapter 6 · Real Estate Commissioner
Article 7.7. Military Servicemembers and Their Spouses
Registration and licensing provisions for military servicemembers and their spouses.
8 collected provisions
- Definitions for this Article — 10 CCR § 2759.1
- Standard for Similar Licenses Qualified for Registration — 10 CCR § 2759.2
- Registration of Portable Licenses of Military Servicemembers and Their Spouses — 10 CCR § 2759.3
- Departmental Registration Process — 10 CCR § 2759.4
- Registration Information on the Department's Website — 10 CCR § 2759.5
- Registrant Notifications to the Department — 10 CCR § 2759.6
- Registration Period and Continuing Education for Registrants — 10 CCR § 2759.7
- Petition for Extension of Registration — 10 CCR § 2759.8
10 CCR · Chapter 6 · Real Estate Commissioner
Article 8. Examinations
Application and conduct rules for the real estate licensing examination.
3 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 9. Signs and Advertising
Internet advertising, signs and identification on solicitation materials. Fictitious-name rules appear separately in Article 5.
3 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 10. Discrimination and Panic Selling
Discriminatory conduct and panic selling as grounds for license discipline. These provisions sit alongside the separate state and federal fair-housing laws.
2 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 11. Licensee Ethics
The restriction on improper influence of real property appraisers.
1 collected provision
10 CCR · Chapter 6 · Real Estate Commissioner
Article 12. Subdivisions
Subdivision public reports, filing requirements, purchase arrangements and common-interest development provisions. This is one official Article; the longer list is kept together.
View 56 collected provisions
- Application for Public Report — 10 CCR § 2790
- Filing Fees — 10 CCR § 2790.1.5
- Filing Fees for Out-of-State Land Promotions — 10 CCR § 2790.1.7
- Conditional Public Reports — 10 CCR § 2790.2
- Questionnaire Waiver—Rural Housing Service — 10 CCR § 2790.4
- Phased Senior Citizen Housing Developments — 10 CCR § 2790.5
- Separate Review of Declarations — 10 CCR § 2790.6
- General Housing Information — for Research and Statistical Purposes — 10 CCR § 2790.7
- Existing Subdivision Interest Disclosure — 10 CCR § 2790.8
- Existing Subdivision Interest Disclosure Form — 10 CCR § 2790.9
- Purchase Money Disbursements — 10 CCR § 2791
- Purchase Money Impounds — 10 CCR § 2791.1
- Bond Alternative to Purchase Money Impound — 10 CCR § 2791.2
- Lien and Completion Bonds for Onsite Construction Work — 10 CCR § 2791.3
- Acceptable Escrow Depositories — 10 CCR § 2791.4
- Acceptable Trustees — 10 CCR § 2791.6
- Dispute Resolution — 10 CCR § 2791.8
- Use of Real Property Sales Contracts — 10 CCR § 2791.9
- Substantially Complete Application—Standard Subdivision — 10 CCR § 2792
- Substantially Complete Application—Condominium, Planned Development, Community Apartment Project and Undivided Interest Subdivision — 10 CCR § 2792.1
- Substantially Complete Application—Stock Cooperative and Limited Equity Housing Cooperative — 10 CCR § 2792.2
- Approved Form of Bond for Completion of Common Facilities — 10 CCR § 2792.3
- Special Provision for Enforcement of Bonded Obligations — 10 CCR § 2792.4
- Governing Instruments for Common Interest Subdivisions — 10 CCR § 2792.8
- Assuring Operating and Maintenance Fund for Common Facilities and Services — 10 CCR § 2792.9
- Subsidization by Subdivider — 10 CCR § 2792.10
- Undivided Interests Subdivisions—Impound of Funds — 10 CCR § 2792.13
- Undivided Interests Subdivisions—Blanket Encumbrances — 10 CCR § 2792.14
- Reasonable Arrangements—Transfer of Common Areas and Facilities to Association — 10 CCR § 2792.15
- Reasonable Arrangements—Assessments and Liens — 10 CCR § 2792.16
- Reasonable Arrangements—Members' Meetings — 10 CCR § 2792.17
- Reasonable Arrangements—Members' Voting Rights — 10 CCR § 2792.18
- Reasonable Arrangements—Election of Governing Body — 10 CCR § 2792.19
- Reasonable Arrangements—Governing Body Meetings — 10 CCR § 2792.20
- Reasonable Arrangements—Governing Body Powers and Limitations — 10 CCR § 2792.21
- Reasonable Arrangements—Inspection of Association's Books and Records — 10 CCR § 2792.23
- Reasonable Arrangements—Governing Instruments Amendments — 10 CCR § 2792.24
- Reasonable Arrangements—Disciplining of Members by the Association — 10 CCR § 2792.26
- Reasonable Arrangements—Annexation of Property to the Subdivision — 10 CCR § 2792.27
- Reasonable Arrangements—Architectural and Design Control — 10 CCR § 2792.28
- Rescission Rights — 10 CCR § 2792.30
- Notice of Rescission Rights — 10 CCR § 2792.31
- Alternative Arrangements for Master Planned Communities — 10 CCR § 2792.32
- Continuing Care Subdivisions — 10 CCR § 2792.33
- Applications for Consent Under Section 11018.7 — 10 CCR § 2793
- Preliminary Public Report — 10 CCR § 2795
- Receipt for Final or Preliminary Public Report — 10 CCR § 2795.1
- Term of Public Report and Extension Thereof — 10 CCR § 2795.3
- Common Interest Development — Individual Homeowner Maintenance — 10 CCR § 2797
- Phased Subdivision Development — 10 CCR § 2798
- Subdivision Advertising Criteria — 10 CCR § 2799.1
- Advertising Review Fee — 10 CCR § 2799.2
- Notification of Material Change — 10 CCR § 2800
- “Subdivider” Defined — 10 CCR § 2801.5
- Noncontinguous Parcels — 10 CCR § 2803
- Abandoning Application for Public Report — 10 CCR § 2804
10 CCR · Chapter 6 · Real Estate Commissioner
Article 12.2. Time-Share Project
Time-share project definitions, public-report requirements, purchase arrangements and advertising.
View 18 collected provisions
- “Developer” Defined — 10 CCR § 2805
- Inducement to Out-of-State Solicitation — 10 CCR § 2805.5
- Reservation Rights — 10 CCR § 2805.9
- Impound of Funds to Assure Completion — 10 CCR § 2805.11
- Notification of Material Change — 10 CCR § 2806
- Purchase Money Impounds — 10 CCR § 2807
- Alternative to Purchase Money Impound — 10 CCR § 2807.1
- Acceptable Escrow Depositories — 10 CCR § 2807.2
- Acceptable Trustees — 10 CCR § 2807.3
- Qualified Budget Certification — 10 CCR § 2807.4
- Approved Form of Bond for Completion of Common Facilities — 10 CCR § 2808
- Application — 10 CCR § 2809
- Properly Completed Application—Single-Site Time-Share Plan — 10 CCR § 2809.1
- Properly Completed Application — Specific Interest Multi-Site Time-Share Plan — 10 CCR § 2809.2
- Properly Completed Application—Nonspecific Time-Share Interest Multi-Site Time-Share Plan — 10 CCR § 2809.3
- Abandoning Application for Public Report — 10 CCR § 2809.5
- Filing Fees — 10 CCR § 2810.5
- Time-Share Advertising Criteria — 10 CCR § 2811
10 CCR · Chapter 6 · Real Estate Commissioner
Article 12.3. Qualified Resort Vacation Club Projects
Regulations and purchaser disclosures for qualified resort vacation club projects.
2 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 15. Trust Fund Accounts
Placement, handling, records and reconciliation of trust funds. The related statutory duty is collected separately under Business and Professions Code § 10145.
10 collected provisions
- Broker Placement of Trust Funds with Financial Institutions — 10 CCR § 2830
- Interest Bearing Trust Account — 10 CCR § 2830.1
- Trust Fund Records to be Maintained — 10 CCR § 2831
- Separate Record for Each Beneficiary or Transaction — 10 CCR § 2831.1
- Trust Account Reconciliation — 10 CCR § 2831.2
- Trust Fund Handling — 10 CCR § 2832
- Trust Fund Handling for Multiple Beneficiaries — 10 CCR § 2832.1
- Trust Account Withdrawals — 10 CCR § 2834
- Commingling — 10 CCR § 2835
- Subdivider and Broker Records — 10 CCR § 2836
10 CCR · Chapter 6 · Real Estate Commissioner
Article 16. Mortgage Loan Brokerage
Borrower and lender disclosures, loan brokerage records, representations and reporting.
View 19 collected provisions
- Approved Borrower Disclosure Statements — 10 CCR § 2840
- Mortgage Loan Negotiation — 10 CCR § 2841
- Recordation of Trust Deeds — Multi-Lender Loans — 10 CCR § 2841.5
- Approved Borrower Disclosure Statement for Nontraditional and Subprime Mortgage Products — 10 CCR § 2842
- Signing Mortgage Loan Disclosure Statement — 10 CCR § 2842.5
- Restrictions on Chargeable Costs and Expenses — 10 CCR § 2843
- Lending Practices for Nontraditional and Subprime Mortgage Products — 10 CCR § 2844
- Interpretive Opinion Request — 10 CCR § 2845
- Approved Lender/Purchaser Disclosure Statement — 10 CCR § 2846
- Material Change—Multi-Lender Loans — 10 CCR § 2846.1
- Report of Annual Trust Fund Accounts Review — 10 CCR § 2846.5
- Delayed Filing of Annual Trust Account Report — 10 CCR § 2846.7
- Quarterly Trust Fund Status Report — 10 CCR § 2846.8
- Voluntary Submission of Proposed Advertising — 10 CCR § 2847
- Disclosure of License and Issuing Department — 10 CCR § 2847.3
- Advertising Criteria — 10 CCR § 2848
- Annual Report Format — 10 CCR § 2849
- Annual Report Format — 10 CCR § 2849.01
- Reporting Transactions Pending at Close of Fiscal Year — 10 CCR § 2849.1
10 CCR · Chapter 6 · Real Estate Commissioner
Article 16.5. California Foreclosure Prevention Act
Collected regulations concerning loan-modification programs under the California Foreclosure Prevention Act. The regulatory text refers to statutory programs; inclusion here does not establish that an exemption or program is available today.
10 collected provisions
- Scope of Regulations — 10 CCR § 2850.1
- Eligibility — 10 CCR § 2850.2
- Availability — 10 CCR § 2850.3
- Program Requirements — 10 CCR § 2850.4
- Loan Modification Features — 10 CCR § 2850.5
- Other Requirements for Comprehensive Loan Modification Programs — 10 CCR § 2850.6
- Initial Application — 10 CCR § 2850.7
- Changes to Program After Final Order — 10 CCR § 2850.8
- Section 2850.9 — 10 CCR § 2850.9
- Reports — 10 CCR § 2850.10
10 CCR · Chapter 6 · Real Estate Commissioner
Article 17. Prepaid Rental Listing Services
Bonding, fees, agreements and refunds for prepaid rental listing services.
6 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 17.5. Mobile Home Sales
The regulation addressing transfer of registration in mobile home sales.
1 collected provision
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18. Contracts, Writings and Other Documents
Transaction writings, combined agency and loan-broker roles, and pest-control documentation.
3 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18.1. Buyer-Broker Representation Agreements
Rules for buyer-broker representation agreements, including term limitations and the required agreement.
3 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18.3. Citations
Administrative citations, correction orders, fines and the process for contesting a citation.
4 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18.5. Substantial Relationship and Rehabilitation Criteria
Substantial-relationship and rehabilitation criteria used in licensing and discipline decisions.
5 collected provisions
- Criteria of Substantial Relationship — 10 CCR § 2910
- Financial Crimes Regulatory Finding and Definition — 10 CCR § 2910.5
- Criteria for Rehabilitation (Denial) — 10 CCR § 2911
- Criteria for Rehabilitation (Revocation or Suspension) — 10 CCR § 2912
- Petitions for Removal of License Discipline Information from Department Internet Posting — 10 CCR § 2915
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18.6. Monetary Penalty in Lieu of Suspension
Procedures and payment rules for a monetary penalty in lieu of suspension.
2 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18.7. Standard Proposed Decision Language
Proposed decision language and reinstatement examination provisions.
2 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18.8. Voluntary Surrender of License
The petition procedure for voluntary surrender of a real estate license.
1 collected provision
10 CCR · Chapter 6 · Real Estate Commissioner
Article 18.9. Discipline Regarding Mortgage Loan Originator License Endorsement
The relationship between real estate license discipline and a mortgage loan originator endorsement.
4 collected provisions
- Effect of License Discipline on Mortgage Loan Originator License Endorsement — 10 CCR § 2945.1
- Effect of Prior License Discipline on Mortgage Loan Originator License Endorsement Application — 10 CCR § 2945.2
- Effect of Prior Felony Conviction on Mortgage Loan Originator License Endorsement Application — 10 CCR § 2945.3
- Disciplinary Process Uniformity: Real Estate License and Mortgage Loan Originator License Endorsement — 10 CCR § 2945.4
10 CCR · Chapter 6 · Real Estate Commissioner
Article 19. Escrows
Broker-handled escrows, recordkeeping and handling of funds.
2 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 20. Suspension and Bar Orders
Definitions, notice and effect of suspension and bar orders.
4 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 21. Advance Fee Agreements
Advance-fee materials and the content of an accounting.
2 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 24. Private Vocational School and Supervised Course of Study Approvals
Approval, operation and advertising of qualifying private-school courses.
5 collected provisions
10 CCR · Chapter 6 · Real Estate Commissioner
Article 25. Continuing Education Requirements
Approval of continuing education offerings, course delivery and required subjects.
View 21 collected provisions
- Criteria for Approval of Offerings — 10 CCR § 3006
- Application for Offering Approval — 10 CCR § 3007
- Material Change in Course Offering — 10 CCR § 3007.2
- Final Examination Rules — 10 CCR § 3007.3
- Forms of Identification Accepted — 10 CCR § 3007.05
- Advertising and Promotional Material — 10 CCR § 3007.6
- Offerings Not to be Approved — 10 CCR § 3008
- Fees — 10 CCR § 3009
- Denial or Withdrawal of Approval — 10 CCR § 3010
- Equivalent Activities Criteria — 10 CCR § 3011
- Petitions for Continuing Education Credit Equivalency for Course Instruction — 10 CCR § 3011.1
- Petitions for Continuing Education Credit Equivalency for Authorship of Articles or Books — 10 CCR § 3011.2
- Petitions for Equivalency for Development of Real Estate Programs, Laws, and Research — 10 CCR § 3011.3
- Petitions for Continuing Education Credit Equivalency for Attendance at Unapproved Programs — 10 CCR § 3011.4
- Extension Conditions — 10 CCR § 3012
- Record Keeping — 10 CCR § 3012.2
- “Good Standing” Defined — 10 CCR § 3012.3
- License Renewal Procedure — 10 CCR § 3013
- License Renewal Procedure — 10 CCR § 3013.1
- Interactive Participatory Component — 10 CCR § 3015
- Fair Housing Course — 10 CCR § 3017
10 CCR · Chapter 6 · Real Estate Commissioner
Article 26. Recovery Account
Definitions and application procedures for the recovery account.
9 collected provisions
- Definitions — 10 CCR § 3100
- Electronic Submission of Application — 10 CCR § 3100.1
- Application for Payment from Recovery Account — 10 CCR § 3101
- Substantially Complete Application — 10 CCR § 3102
- Response by Judgment Debtor — 10 CCR § 3103
- Subsequent Service of Correspondence and Notices — 10 CCR § 3104
- Procedures to be Followed when Judgment Debtor Has Filed a Response — 10 CCR § 3106
- Unreasonable Delay by Claimant in Responding to Deficiency Letter — 10 CCR § 3107
- Procedure upon Filing of Writ of Mandamus by Judgment Debtor — 10 CCR § 3109
Federal law
U.S. statutes, regulations and agency guidance on the same subject.
Statutes
The U.S. Code as enacted — the tax credit, voucher, fair-housing and relocation authorities.
Other topics
Development & building
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Renting & eviction
Rent caps, just cause, deposits, repairs and entry, the eviction lawsuit itself, and the fair-housing rules every rental decision is read against.
Owning & HOAs
What comes with holding a property: HOA disclosures, assessments and disputes, loan servicing, homeowners insurance, trusts, and passing a home on at death.
Foreclosure & auctions
The law and official process for trustee's sales, tax-defaulted property, judgment enforcement, probate sales and bankruptcy.
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Find property assessment, reassessment, exemptions, tax bills, appeals and transfer taxes by the task you need to complete.
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