Section 1798.97.5.

Cal. Civil Code - CIV § 1798.97.5.
in effect
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(a) Except as set forth in subdivision (b), this title applies only to debts incurred on or after July 1, 2023. (b) Notwithstanding subdivision (a), a debtor may file a cross-complaint described by paragraph (2) of subdivision (a) of Section 1798.97.3 in an action filed by a claimant to collect a debt incurred prior to July 1, 2023, in which case, this title applies to that action, unless a final judgment has been entered in that action.

References

referencesCal. Civil Code - CIV § 1798.97.3.
Source: CA Legislative Counsel Bulk DataURL: https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zipFetched: 6/27/2026

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