California Financial Code — California Finance Lenders Law — Consumer Loans — Loan Regulations — Unconscionable loans Date: 14 Sep 2016 TEXT PDF Current through the 2016 Legislative Session (a) Section 1670.5 of the Civil Code applies to the provisions of a loan contract that is subject to this division. (b) A loan found to be unconscionable pursuant to Section 1670.5 of the Civil Code shall be deemed to be in violation of this division and subject to the remedies specified in this division. Ca. Fin. Code § 22302