Quote Originally Posted by Olderguy View Post
Well I have been dealing with FundShop, SmartBiz, Smart Advanced, to name a few and it's never come up. For the very few loans that are done California, it doesn't justify the licensing requirements as near as I can tell.
For some it's not worth doing business in California, and for others they roll the dice and choose to ignore the requirements. For you, I highly recommend contacting an attorney. You seem to be located in California, which would make me think it would be easier for them to enforce penalties.

any person who willfully violates any provision of this division, or who willfully violates any rule or order adopted pursuant to this division, shall, upon conviction, be punished by a fine of not more than ten thousand dollars ($10,000), by imprisonment in a county jail for not more than one year or pursuant to subdivision (h) of Section 1170 of the Penal Code, or by both that fine and imprisonment. However, no person may be imprisoned for the violation of any rule or order unless he or she had knowledge of the rule or order. Conviction under this section shall not preclude the commissioner from exercising the authority provided in Section 22713.