California enacted a series of consumer protection laws, including three bills aimed specifically at restricting certain debt collection practices in connection with medical debt reporting, civil actions for money judgments, and commercial debt collection.

SB 1286 broadens the RFDCPA to include certain small business debts, extending protections typically reserved for consumer debt. The law covers commercial debts up to $500,000 are acquired on credit for non-personal use. It also introduces definitions for covered commercial debt and covered commercial credit, which encompass sales-based financing transactions. These new laws reflect California's continued focus on shielding consumers and small businesses from purportedly harmful practices in the offering of financial products or services.*

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