Cal. Civ. Code § 24-5-0.5-2

Sec. 2. (a) As used in this chapter:

(1) "Consumer transaction" means a sale, lease, assignment,
award by chance, or other disposition of an item of personal
property, real property, a service, or an intangible, except
securities and policies or contracts of insurance issued by
corporations authorized to transact an insurance business under
the laws of the state of Indiana, with or without an extension of
credit, to a person for purposes that are primarily personal,
familial, charitable, agricultural, or household, or a solicitation to
supply any of these things. However, the term includes the
following:

(A) A transfer of structured settlement payment rights under IC 34-50-2.

(B) An unsolicited advertisement sent to a person by telephone
facsimile machine offering a sale, lease, assignment, award by
chance, or other disposition of an item of personal property, real
property, a service, or an intangible.

(C) The collection of or attempt to collect a debt by a debt
collector.

(D) The provision of a product or service to a:

(i) state law enforcement agency;

(ii) local law enforcement agency;

(iii) state agency; or

(iv) local agency;

in Indiana.

(E) Conduct that arises from, occurs in connection with, or
otherwise involves a transaction for emergency towing (as
defined in IC 24-14-2-5) of a personal or commercial vehicle.

(2) "Person" means an individual, corporation, the state of Indiana
or its subdivisions or agencies, business trust, estate, trust,
partnership, association, nonprofit corporation or organization, or
cooperative or any other legal entity.

(3) "Supplier" means the following:

(A) A seller, lessor, assignor, or other person who regularly
engages in or solicits consumer transactions, including
soliciting a consumer transaction by using a telephone facsimile
machine to transmit an unsolicited advertisement. The term
includes a manufacturer, a wholesaler, a retailer, or, in a
consumer transaction described in subdivision (1)(D), an entity
that provides a product or service to a state law enforcement
agency, local law enforcement agency, state agency, or local
agency in Indiana, whether or not the person deals directly with
the consumer.

(B) A debt collector.

(4) "Subject of a consumer transaction" means the personal
property, real property, services, or intangibles offered or
furnished in a consumer transaction.

(5) "Cure" as applied to a deceptive act, means either:

(A) to offer in writing to adjust or modify the consumer
transaction to which the act relates to conform to the reasonable
expectations of the consumer generated by such deceptive act
and to perform such offer if accepted by the consumer; or

(B) to offer in writing to rescind such consumer transaction and
to perform such offer if accepted by the consumer.

The term includes an offer in writing of one (1) or more items of
value, including monetary compensation, that the supplier
delivers to a consumer or a representative of the consumer if
accepted by the consumer.

(6) "Offer to cure" as applied to a deceptive act is a cure that:

(A) is reasonably calculated to remedy a loss claimed by the
consumer; and

(B) includes a minimum additional amount that is the greater
of:

(i) ten percent (10%) of the value of the remedy under clause
(A), but not more than four thousand dollars ($4,000); or

(ii) five hundred dollars ($500);

as compensation for attorney's fees, expenses, and other costs
that a consumer may incur in relation to the deceptive act.

(7) "Uncured deceptive act" means:

(A) a deceptive act with respect to which a consumer who has
been damaged by such act has given notice to the supplier
under section 5(a) of this chapter; and

(B) either:

(i) no offer to cure has been made to such consumer within
thirty (30) days after such notice; or

(ii) the act has not been cured as to such consumer within a
reasonable time after the consumer's acceptance of the offer
to cure.

(8) "Incurable deceptive act" means a deceptive act done by a
supplier as part of a scheme, artifice, or device with intent to
defraud or mislead. The term includes a failure of a transferee of
structured settlement payment rights to timely provide a true and
complete disclosure statement to a payee as provided under IC 34-50-2 in connection with a direct or indirect transfer of
structured settlement payment rights.

(9) "Local agency" means an administration, an agency, an
authority, a board, a bureau, a commission, a committee, a
council, a department, a division, an institution, an office, an
officer, a service, or other similar body of a political subdivision
created or established under law.

(10) "Political subdivision" means a county, township, city, town,
municipal corporation (as defined in IC 36-1-2-10), or special
taxing district. However, the term does not include a school
corporation or charter school.

(11) "Senior consumer" means an individual who is at least sixty
(60) years of age.

(12) "State agency" means an administration, an agency, an
authority, a board, a bureau, a commission, a committee, a
council, a department, a division, an institution, an office, an
officer, a service, or other similar body of state government
created or established under law. The term includes a body
corporate and politic of the state created by statute. The term does
not include a state educational institution (as defined in IC 21-7-13-32).

(13) "Telephone facsimile machine" means equipment that has
the capacity to transcribe text or images, or both, from:

(A) paper into an electronic signal and to transmit that signal
over a regular telephone line; or

(B) an electronic signal received over a regular telephone line
onto paper.

(14) "Unsolicited advertisement" means material advertising the
commercial availability or quality of:

(A) property;

(B) goods; or

(C) services;

that is transmitted to a person without the person's prior express
invitation or permission, in writing or otherwise.

(15) "Debt" has the meaning set forth in 15 U.S.C. 1692(a)(5).

(16) "Debt collector" has the meaning set forth in 15 U.S.C.
1692(a)(6). The term does not include a person admitted to the
practice of law in Indiana if the person is acting within the course
and scope of the person's practice as an attorney. The term
includes a debt buyer (as defined in IC 24-5-15.5).

(b) As used in section 3(b)(15) and 3(b)(16) of this chapter:

(1) "Directory assistance" means the disclosure of telephone
number information in connection with an identified telephone
service subscriber by means of a live operator or automated
service.

(2) "Local telephone directory" refers to a telephone classified
advertising directory or the business section of a telephone
directory that is distributed by a telephone company or directory
publisher to subscribers located in the local exchanges contained
in the directory. The term includes a directory that includes
listings of more than one (1) telephone company.

(3) "Local telephone number" refers to a telephone number that
has the three (3) number prefix used by the provider of telephone
service for telephones physically located within the area covered
by the local telephone directory in which the number is listed. The
term does not include long distance numbers or 800-, 888-, or
900- exchange numbers listed in a local telephone directory.

Formerly: Acts 1971, P.L.367, SEC.1. As amended by Acts
1982, P.L.152, SEC.1; P.L.12-1986, SEC.4; P.L.24-1989, SEC.10;
P.L.233-1995, SEC.1; P.L.174-1997, SEC.1; P.L.18-1997, SEC.3;
P.L.219-2001, SEC.1; P.L.165-2005, SEC.6; P.L.85-2006, SEC.2;
P.L.1-2007, SEC.165; P.L.226-2011, SEC.13; P.L.250-2013, SEC.2;
P.L.65-2014, SEC.6; P.L.105-2017, SEC.1; P.L.280-2019, SEC.4;
P.L.206-2025, SEC.5; P.L.227-2025, SEC.42; P.L.23-2026, SEC.248;
P.L.60-2026, SEC.2.