{"id":3333,"date":"2026-09-25T18:59:05","date_gmt":"2026-09-25T18:59:05","guid":{"rendered":"https:\/\/businessreorganizationsandiego.com\/?p=3333"},"modified":"2026-10-20T01:35:51","modified_gmt":"2026-10-20T01:35:51","slug":"california-mca-disclosure-law","status":"publish","type":"post","link":"https:\/\/businessreorganizationsandiego.com\/es\/2026\/09\/california-mca-disclosure-law\/","title":{"rendered":"La Ley de California Exige que las Empresas de MCA Revelen el Costo Real de su Anticipo \u2014 \u00bfLo Hizo la Suya?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Antes de 2022, una empresa de merchant cash advance (MCA) en California pod\u00eda ofrecerle a un propietario de negocio una \u201ctasa de factor\u201d \u2014por ejemplo, 1.4x\u2014 sin tener que traducir ese n\u00famero a algo que se pareciera a una tasa de inter\u00e9s real. Muchos propietarios de negocios no ten\u00edan una forma clara de comparar una oferta de MCA con un pr\u00e9stamo tradicional ni de entender cu\u00e1nto realmente estaban aceptando pagar. California cambi\u00f3 esto.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Lo que Realmente Exige la SB 1235<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La Ley del Senado de California 1235 (SB 1235), aprobada inicialmente en 2018, junto con las regulaciones de implementaci\u00f3n que entraron plenamente en vigor en diciembre de 2022, exige que los proveedores de financiamiento comercial \u2014incluidos los proveedores de merchant cash advances\u2014 proporcionen a los prestatarios comerciales una divulgaci\u00f3n escrita y estandarizada antes de finalizar la transacci\u00f3n. Seg\u00fan la ley, dicha divulgaci\u00f3n debe incluir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El monto total de los fondos proporcionados<\/li>\n\n\n\n<li>El costo total en d\u00f3lares del financiamiento<\/li>\n\n\n\n<li>El plazo o plazo estimado del financiamiento<\/li>\n\n\n\n<li>El m\u00e9todo, la frecuencia y el monto de los pagos<\/li>\n\n\n\n<li>Una descripci\u00f3n de las pol\u00edticas de pago anticipado<\/li>\n\n\n\n<li>Una tasa anualizada, calculada utilizando una metodolog\u00eda espec\u00edfica, para que el costo pueda compararse con otras opciones de financiamiento<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Por Qu\u00e9 Esto Es Importante<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Actualmente, esta es la ley de divulgaci\u00f3n de financiamiento comercial m\u00e1s completa del pa\u00eds. Existe porque hist\u00f3ricamente los acuerdos de MCA se estructuraban de una manera que hac\u00eda dif\u00edcil determinar el costo real del anticipo al momento de firmar \u2014un costo que con frecuencia era considerablemente mayor de lo que la tasa de factor por s\u00ed sola hac\u00eda parecer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e9 Debe Revisar en Sus Propios Documentos<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si su negocio obtuvo un <a href=\"\/es\/merchant-cash-advance-debt-relief-california\/\">adelanto de efectivo (MCA) <\/a>en California, vale la pena verificar si realmente recibi\u00f3, antes de firmar, una divulgaci\u00f3n por escrito con los elementos anteriores, separada del contrato principal de financiamiento. Algunos prestamistas cumplen por completo. Otros no, o entregan algo que no cumple con los requisitos espec\u00edficos de formato y contenido de la ley.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u00e9 Podr\u00eda Significar Esto<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Que una divulgaci\u00f3n falte o sea deficiente tenga o no relevancia legal para un contrato de MCA espec\u00edfico depende en gran medida de los hechos; no es autom\u00e1ticamente una defensa frente a la deuda subyacente. Pero es un detalle que vale la pena revisar, en particular si ya est\u00e1 evaluando sus opciones para un negocio con <a href=\"\/es\/2026\/06\/can-bankruptcy-eliminate-mca-debt-california\/\">deuda de MCA.<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si desea obtener m\u00e1s informaci\u00f3n sobre c\u00f3mo la Ley de Reorganizaci\u00f3n de Peque\u00f1as Empresas puede ayudar a su negocio, por favor ll\u00e1menos al (619) 202-7511, Ext. 1, o env\u00ede su informaci\u00f3n de contacto usando el formulario de contacto en nuestro sitio web para programar una consulta gratuita.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Este art\u00edculo tiene como objetivo proporcionar informaci\u00f3n general sobre asuntos de deuda empresarial y no constituye asesor\u00eda legal. Cada situaci\u00f3n es diferente, y los resultados dependen de los hechos espec\u00edficos de cada caso. Por favor, consulte con un abogado sobre sus circunstancias espec\u00edficas.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Before 2022, a merchant cash advance company in California could quote a business owner a &#8220;factor rate&#8221; \u2014 something like 1.4x \u2014 without ever translating that number into anything resembling an actual interest rate. Many business owners had no real way to compare an MCA offer to a traditional loan, or to understand what they [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3331,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"class_list":["post-3333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-merchant-cash-advance-debt-relief"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SB 1235: MCA Disclosure Law | Debt Solution Law Group<\/title>\n<meta name=\"description\" content=\"California&#039;s SB 1235 requires MCA providers to disclose the true cost of financing before you sign. What to check on your own paperwork.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessreorganizationsandiego.com\/es\/2026\/09\/california-mca-disclosure-law\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SB 1235: MCA Disclosure Law | Debt Solution Law Group\" \/>\n<meta property=\"og:description\" content=\"California&#039;s SB 1235 requires MCA providers to disclose the true cost of financing before you sign. What to check on your own paperwork.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessreorganizationsandiego.com\/es\/2026\/09\/california-mca-disclosure-law\/\" \/>\n<meta property=\"og:site_name\" content=\"Debt Solution Law Group\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/DebtSolutionLaw\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-25T18:59:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-20T01:35:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/09\/BW-0013_Blog_SB1235Disclosure_Header.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Steven Cowen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Steven Cowen\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/\"},\"author\":{\"name\":\"Steven Cowen\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#\\\/schema\\\/person\\\/50938c84c4ae7317764c7a39dbce9d8b\"},\"headline\":\"California Law Requires MCA Companies to Disclose the Real Cost of Your Advance \u2014 Did Yours?\",\"datePublished\":\"2026-09-25T18:59:05+00:00\",\"dateModified\":\"2026-10-20T01:35:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/\"},\"wordCount\":424,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/BW-0013_Blog_SB1235Disclosure_Header.png\",\"articleSection\":[\"Merchant Cash Advance Debt Relief\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/\",\"url\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/\",\"name\":\"SB 1235: MCA Disclosure Law | Debt Solution Law Group\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/BW-0013_Blog_SB1235Disclosure_Header.png\",\"datePublished\":\"2026-09-25T18:59:05+00:00\",\"dateModified\":\"2026-10-20T01:35:51+00:00\",\"description\":\"California's SB 1235 requires MCA providers to disclose the true cost of financing before you sign. What to check on your own paperwork.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#primaryimage\",\"url\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/BW-0013_Blog_SB1235Disclosure_Header.png\",\"contentUrl\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/BW-0013_Blog_SB1235Disclosure_Header.png\",\"width\":1200,\"height\":630,\"caption\":\"SB 1235 MCA disclosure law\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/2026\\\/09\\\/california-mca-disclosure-law\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"California Law Requires MCA Companies to Disclose the Real Cost of Your Advance \u2014 Did Yours?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#website\",\"url\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/\",\"name\":\"Debt Solution Law Group\",\"description\":\"We Keep Businesses Open and Profitable.\",\"publisher\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#organization\",\"name\":\"Debt Solution Law Group\",\"url\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/cropped-logo10-220x42-1.png\",\"contentUrl\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/cropped-logo10-220x42-1.png\",\"width\":220,\"height\":42,\"caption\":\"Debt Solution Law Group\"},\"image\":{\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/DebtSolutionLaw\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/debt-solutions-law-group\",\"https:\\\/\\\/www.instagram.com\\\/cowen.steve2026\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@DebtSolutionLawGroup\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/#\\\/schema\\\/person\\\/50938c84c4ae7317764c7a39dbce9d8b\",\"name\":\"Steven Cowen\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bc850abdcd3c944e813d68d1b8eb1d1ad93b8d4a6383f5661a06f5638408bd5d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bc850abdcd3c944e813d68d1b8eb1d1ad93b8d4a6383f5661a06f5638408bd5d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/bc850abdcd3c944e813d68d1b8eb1d1ad93b8d4a6383f5661a06f5638408bd5d?s=96&d=mm&r=g\",\"caption\":\"Steven Cowen\"},\"description\":\"Attorney Steven E. Cowen attended the University of San Diego School of Law, graduating at the top of his class, cum laude, in 1987. He was also a member of the law review. Mr. Cowen is a member of the State Bar of California and a member of the American Bankruptcy Institute. He is fluent in English and Spanish. Steve has successfully handled over 2,000 bankruptcy cases in Southern California.\",\"sameAs\":[\"https:\\\/\\\/businessreorganizationsandiego.com\"],\"url\":\"https:\\\/\\\/businessreorganizationsandiego.com\\\/es\\\/author\\\/christiancowen\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SB 1235: MCA Disclosure Law | Debt Solution Law Group","description":"California's SB 1235 requires MCA providers to disclose the true cost of financing before you sign. What to check on your own paperwork.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessreorganizationsandiego.com\/es\/2026\/09\/california-mca-disclosure-law\/","og_locale":"es_MX","og_type":"article","og_title":"SB 1235: MCA Disclosure Law | Debt Solution Law Group","og_description":"California's SB 1235 requires MCA providers to disclose the true cost of financing before you sign. What to check on your own paperwork.","og_url":"https:\/\/businessreorganizationsandiego.com\/es\/2026\/09\/california-mca-disclosure-law\/","og_site_name":"Debt Solution Law Group","article_publisher":"https:\/\/www.facebook.com\/DebtSolutionLaw","article_published_time":"2026-09-25T18:59:05+00:00","article_modified_time":"2026-10-20T01:35:51+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/09\/BW-0013_Blog_SB1235Disclosure_Header.png","type":"image\/png"}],"author":"Steven Cowen","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Steven Cowen","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#article","isPartOf":{"@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/"},"author":{"name":"Steven Cowen","@id":"https:\/\/businessreorganizationsandiego.com\/#\/schema\/person\/50938c84c4ae7317764c7a39dbce9d8b"},"headline":"California Law Requires MCA Companies to Disclose the Real Cost of Your Advance \u2014 Did Yours?","datePublished":"2026-09-25T18:59:05+00:00","dateModified":"2026-10-20T01:35:51+00:00","mainEntityOfPage":{"@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/"},"wordCount":424,"commentCount":0,"publisher":{"@id":"https:\/\/businessreorganizationsandiego.com\/#organization"},"image":{"@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#primaryimage"},"thumbnailUrl":"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/09\/BW-0013_Blog_SB1235Disclosure_Header.png","articleSection":["Merchant Cash Advance Debt Relief"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/","url":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/","name":"SB 1235: MCA Disclosure Law | Debt Solution Law Group","isPartOf":{"@id":"https:\/\/businessreorganizationsandiego.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#primaryimage"},"image":{"@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#primaryimage"},"thumbnailUrl":"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/09\/BW-0013_Blog_SB1235Disclosure_Header.png","datePublished":"2026-09-25T18:59:05+00:00","dateModified":"2026-10-20T01:35:51+00:00","description":"California's SB 1235 requires MCA providers to disclose the true cost of financing before you sign. What to check on your own paperwork.","breadcrumb":{"@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#primaryimage","url":"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/09\/BW-0013_Blog_SB1235Disclosure_Header.png","contentUrl":"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/09\/BW-0013_Blog_SB1235Disclosure_Header.png","width":1200,"height":630,"caption":"SB 1235 MCA disclosure law"},{"@type":"BreadcrumbList","@id":"https:\/\/businessreorganizationsandiego.com\/2026\/09\/california-mca-disclosure-law\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/businessreorganizationsandiego.com\/"},{"@type":"ListItem","position":2,"name":"California Law Requires MCA Companies to Disclose the Real Cost of Your Advance \u2014 Did Yours?"}]},{"@type":"WebSite","@id":"https:\/\/businessreorganizationsandiego.com\/#website","url":"https:\/\/businessreorganizationsandiego.com\/","name":"En Debt Solution Law Group","description":"We Keep Businesses Open and Profitable.","publisher":{"@id":"https:\/\/businessreorganizationsandiego.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/businessreorganizationsandiego.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/businessreorganizationsandiego.com\/#organization","name":"En Debt Solution Law Group","url":"https:\/\/businessreorganizationsandiego.com\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/businessreorganizationsandiego.com\/#\/schema\/logo\/image\/","url":"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/07\/cropped-logo10-220x42-1.png","contentUrl":"https:\/\/businessreorganizationsandiego.com\/wp-content\/uploads\/2026\/07\/cropped-logo10-220x42-1.png","width":220,"height":42,"caption":"Debt Solution Law Group"},"image":{"@id":"https:\/\/businessreorganizationsandiego.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/DebtSolutionLaw","https:\/\/www.linkedin.com\/company\/debt-solutions-law-group","https:\/\/www.instagram.com\/cowen.steve2026\/","https:\/\/www.youtube.com\/@DebtSolutionLawGroup"]},{"@type":"Person","@id":"https:\/\/businessreorganizationsandiego.com\/#\/schema\/person\/50938c84c4ae7317764c7a39dbce9d8b","name":"Steven Cowen","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/bc850abdcd3c944e813d68d1b8eb1d1ad93b8d4a6383f5661a06f5638408bd5d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bc850abdcd3c944e813d68d1b8eb1d1ad93b8d4a6383f5661a06f5638408bd5d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bc850abdcd3c944e813d68d1b8eb1d1ad93b8d4a6383f5661a06f5638408bd5d?s=96&d=mm&r=g","caption":"Steven Cowen"},"description":"El abogado Steven E. Cowen asisti\u00f3 a la Facultad de Derecho de la Universidad de San Diego, gradu\u00e1ndose en la cima de su clase, cum laude, en 1987. Tambi\u00e9n fue miembro de la revista de derecho (law review). El Sr. Cowen es miembro del Colegio de Abogados del Estado de California y miembro del American Bankruptcy Institute. Habla con fluidez ingl\u00e9s y espa\u00f1ol. Steve ha manejado exitosamente m\u00e1s de 2,000 casos de bancarrota en el Sur de California.","sameAs":["https:\/\/businessreorganizationsandiego.com"],"url":"https:\/\/businessreorganizationsandiego.com\/es\/author\/christiancowen\/"}]}},"_links":{"self":[{"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/posts\/3333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/comments?post=3333"}],"version-history":[{"count":2,"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/posts\/3333\/revisions"}],"predecessor-version":[{"id":3336,"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/posts\/3333\/revisions\/3336"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/media\/3331"}],"wp:attachment":[{"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/media?parent=3333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/categories?post=3333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessreorganizationsandiego.com\/es\/wp-json\/wp\/v2\/tags?post=3333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}