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While a co-signer notice in English and Spanish was previously required, effective January 1, 2023, the amended statute requires all consumer credit contracts and motor vehicle leases to include a co-signer notice in four other languages prior to any person becoming obligated as a co-signer on such a contract or lease. The statute previously included English and Spanish model versions of the notice. The amended statute removed the Spanish model notice from the text and tasked the California Department of Financial Protection and Innovation with creating model co-signer notices in five languages in addition to English: Spanish, Chinese, Tagalog, Vietnamese, and Korean. The model notices can be found here (consumer credit contracts) and here (leases). Importantly, the statute includes no grace period and to date no guidance from the DFPI has provided for any such grace period.
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In addition to the expansion of the notice requirement to a wide range of consumer contracts and leases, the amended statute now requires the co-signer notice to be provided in all six languages in which there are model notices, regardless of the language in which the contract was primarily negotiated. But if the contract or lease is written in a language other than English and such language is not one in which there is a model notice, the co-signer notice must be provided in English and in the language in which the contract or lease is written. Also, the amendment deleted the existing provision waiving the requirement for creditors and lessors to provide the notice to cosigners who are married to the primary signer.
Finally, the co-signer notice must be provided on a separate sheet to the consumer, dated and acknowledged by the consumer, and attached to and precede the consumer credit contract or lease. Failure to provide the required co-signer notice is now an affirmative defense to an action to enforce the contract or lease.
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CareCredit is a health and wellness credit card designed for your health, and wellness needs. It's a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. CareCredit is accepted at over 260,000+ providers nationwide for LASIK and Vision Care, Cosmetic and Dermatology Procedures, Dentistry, Veterinary, Hearing Care and other specialties. CareCredit is now also accepted at select retail locations.* For complete details of healthcare financing terms, please review the CareCredit account agreement within the application.
Also see: "ASL Sentence Structure"
Lots of "ASL" teachers misuse the phrase "STORE I GO" as an example of typical ASL grammar.
The "Store I go" syntax is an unfortunate myth. In real life the vast majority of socially active native Deaf adult ASL signers in conversation with other fluent signers just sign "I GO STORE."
The myth has been told so often and for so long (often by Hearing teachers of ASL or even some young Deaf teachers that aren't all that great at ASL themselves) that many people (who haven't lived in the Deaf Community for a lifetime) believe it -- yet it simply isn't the case. While there are certainly times when that sentence should be topicalized -- such situations are comparatively rare to the extent that claiming otherwise is somewhat misleading.
For example, take a look at Zach Lotane (profoundly Deaf / fluent ASL signer) signing "if I should go store" and not "store, I go." =724
Example from two fluent signers: =327 Jill is a fluent ASL signer (who is an interpreter, etc.) and her partner, Jenna, is Deaf.Note how she doesn't sign "store, can enter" -- instead she signs "can enter store." See Jill signing "I go store" again here: =VzlMqbeDZIQ&feature=youtu.be&t=742 You can see Jenna (Deaf) signing "have to go other store" not "other store, have to go to."
Here we see Deaf fluent ASL signer Rogan Shannon signing, "I would go to a thrift store" (I FUTURE LEAVE-(go out to) (fs)-THRIFT STORE...) -- not "store I go." =152
See Chey Clearbrook (Deaf) here explaining how she signs "I go store" in ASL:
=195 Notice how she uses a trendy / slang version of "GO" that starts with a claw shape and transitions into an "S" shape? That along the lines of "bounce, jet, bolt, split" and similar concepts in English such as "I'm outa here!" Over time this version has become quite common but is more marked than the basic GO sign.
Here we see Chey (Deaf) signing "every time I walk into a store..." -- not "store, I walk into."
=235
Remember, I've suggested to you that you will indeed find examples of Deaf teaching the "STORE I GO" construction (spreading the myth) but I encourage you to also look for examples of those *same* individuals discussing going to the store in a natural setting when they are not thinking about it.
For example, Ryan (Deaf) has a video in which he taught the myth "STORE, I GO" at ( =524 ), yet in another video (at: -7f3E4UL8?t=722 ) when he isn't "thinking about it" he just naturally signs "go store" (contradicting himself). Don't misunderstand my point. He seems like a really nice guy and signing is his primary form of face to face communication. I'm just saying that even many Deaf have bought into the myth to the extent that they teach "store, I go" but in everyday real life ASL signing when they aren't "thinking about it" those same people tend to just sign "I go store." (Not, "Store, I go.") Here is another example, in which he signs "we had to go to the store" as (WE-2 MUST GO STORE) here: =250 -- also see: =348
We see Alex Abenchuchan signing "GO STORE" (not STORE, GO) at: =162
In a wonderful ASL rendition of the story "If you give a moose a muffin" -- the signer signs "GO STORE" =127
In the original posting of this article Deaf, fluent signer Channing Brown had a video up in which she signed "going into a store" (not "store, going into). That video is now "private" (at =68 ) so can't see it but the point remains that when Deaf are not thinking about it we tend to just sign "I GO STORE" (not, STORE, I GO). I mention this particular video in case any of the other videos move or get taken down it doesn't really matter because these are not isolated or rare instances -- rather they are real life examples of the type of signing that goes on every day.
Conclusion:
The use of "STORE I GO" as an example of American Sign Language (ASL) sentence structure is not representative of the type of signing actually being done by socially active adult Deaf native signers.
It is a myth.
Notes:
____ If you would like to do a deep dive on this topic, see:ASL Sentence Structure
____ Observation would suggest that often the individuals teaching this are learners of ASL as a second language and/or have NOT spent a lifetime of interacting with socially active adult Deaf native signers. This isn't to say that there aren't many excellent Hearing teachers of ASL. There are indeed many excellent ones. It is simply to suggest that a lifetime of interacting with Deaf and using ASL as your primary language leads people to use it in natural ways that flow and are very efficient (also know as "being fluent").
____ If you have not read this page yet please do so before debating or arguing the article titled: "The Myth of STORE I GO."
-verb-object-asl-sentence-structure.htm
____ Prior to to using the term "pure ASL" please define the term and get several people to agree with you. If you are using a term to label an example but don't have a definition for the term you will be chasing your tail.
____ "STORE, I GO" is not "wrong." The myth isn't the right or wrongness of "STORE, I GO" but rather the "myth" is that "topicalization" = "topic comment" (it doesn't) and that "topicalization" is the main, top, or even most common grammar structure in ASL (it isn't). "STORE, I GO" is merely a lesser used form of ASL equivalent to "passive voice" in English. It has its uses but one such use should not be as the poster child for ASL.
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