STORIES: The AIDS Monument

Join us for an upcoming tour of the beautiful AIDS Monument, led by Jude Schoenfeld, the Director of Public Programs at One Institute.These 45-minute guided tours will highlight the strategy of those during the AIDS epidemic to gather, care for one another, educate the public, and engage in activism. Through our STORIES, we REMEMBER lost loved ones, CELEBRATE the heroic accomplishments of caregivers, and EDUCATE new generations about the history of HIV/AIDS.
This program is in partnership with the City of West Hollywood, where, during the height of the crisis, 1981-1996, the City suffered a devastating toll, losing thousands of its residents to the plague.

Local Event: Guided Tours @ STORIES: The AIDS Monument

Los Angeles County

Los Angeles

California

Guided Tours @ STORIES: The AIDS Monument

Join us for an upcoming tour of the beautiful AIDS Monument, led by Jude Schoenfeld, the Director of Public Programs at One...

One Institute

Chris Lindahl

Los Angeles Metropolitan Area

Echo Park-Silver Lake

Highland Park-Mount Washington

Eagle Rock

Hollywood

South Pasadena

West Hollywood

South Gate-Lynwood

Culver City

Beverly Hills

San Marino

Public Counsel

Join Public Counsel and local community partners for an engaging morning featuring legal information, helpful community resources, and delicious food. This <a href="https://publiccounsel.org/koreatown-community-resource-day/" rel="nofollow noopener" target="_blank">free event</a> offers family-friendly activities with multilingual support available in English, Spanish, and Korean. 
The event will feature Know-Your-Rights presentations on immigrants’ rights, medical debt, tenants' rights, family preparedness, and education rights. We will also have community resource tables, free food, raffles, kids’ activities, and more. 
KYCC, CARECEN, The Karsh Center, and the LA County Office of Immigrant Affairs, will join Public Counsel. <a href="https://publiccounsel.org/koreatown-community-resource-day/" rel="nofollow noopener" target="_blank">Visit our web page</a> for more info.&nbsp;We hope to see you on Saturday, July 11!

Local Event: Koreatown Community Resource Day

Koreatown Community Resource Day

Join Public Counsel and local community partners for an engaging morning featuring legal information, helpful community...

New California Disclosure Law Gives Los Angeles Businesses New Leverage Against Merchant Cash Advance Lenders
SB 362, in effect since January 2026, is reshaping how Los Angeles business owners challenge merchant cash advance contracts &mdash; and where those disputes get fought.
LOS ANGELES &mdash; A California law that took effect at the start of 2026 is changing the calculus for Los Angeles business owners buried in merchant cash advance (MCA) debt, giving them disclosure-based defenses that were largely unavailable two years ago.
Senate Bill 362, which took effect January 1, 2026, is the most significant update to California's commercial financing disclosure framework since the original SB 1235. It requires MCA providers operating in Los Angeles to deliver standardized APR disclosures that meet strict formatting rules. When a funder fails to do so, the contract may be voidable &mdash; and the daily ACH withdrawals draining a business account may be legally stoppable.
The California Department of Financial Protection and Innovation (DFPI) enforces these disclosure requirements, and the standards exist so business owners can see the true cost of financing &mdash; APR, finance charge, payment amount, term, and prepayment details &mdash; before signing. Where the disclosures were missing, understated, or inconsistent with how the deal actually performed, those gaps are becoming central to MCA disputes across the LA metro.
Disclosure is only one line of attack. Los Angeles business owners are also challenging the fundamental characterization of the MCA itself. A true merchant cash advance is a purchase of future receivables &mdash; not a loan &mdash; and that distinction matters because loans are subject to California's usury limits. Courts apply a three-factor test, examining whether the contract includes a genuine reconciliation clause that adjusts payments to actual revenue, whether the funder retains recourse if the business fails, and whether the funder bears real risk. Fixed daily payments that never flex with sales are a hallmark of a disguised loan.
There is also a jurisdictional trap unique to out-of-state enforcement. Many MCA agreements route disputes to New York courts, and a New York judgment can be enforced in California &mdash; but only if proper domestication procedures were followed. California courts can refuse to recognize judgments that skip those steps.
For Los Angeles owners, the recurring theme is timing. Reconciliation records, bank statements, and the original disclosure documents all matter, and the strongest defenses take shape before a judgment is entered and accounts are frozen.
Los Angeles business owners facing MCA collections, a UCC lien, or a frozen account can review their options and connect with an experienced attorney through CredibleLaw's Los Angeles network at <a href="https://crediblelaw.com/los-angeles-mca-defense-attorney-sb362/" rel="noopener nofollow" target="_blank">crediblelaw.com/los-angeles-mca-defense-attorney-sb362</a>.Credible Law Phone: <a href="tel:888-201-0441" rel="noopener nofollow" target="_blank">(888) 201-0441</a> <a href="https://crediblelaw.com/about/" rel="noopener nofollow" target="_blank">crediblelaw.com/about/</a> <a href="https://share.google/yhjxzZAGumlN6buaH" rel="noopener nofollow" target="_blank">share.google/yhjxzZAGumlN6buaH</a>
Credible Law is a national legal resource and referral network. It is not a law firm and does not provide legal advice.

New California Disclosure Law May Give Los...

New California Disclosure Law Gives Los Angeles Businesses New Leverage Against Merchant Cash Advance Lenders...

New California Disclosure Law May Give Los Angeles Businesses More Leverage in Merchant Cash Advance

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Guided Tours @ STORIES: The AIDS Monument

JUL

11

11:00 AM

STORIES: The AIDS Monument, 647 N San Vicente Blvd, West Hollywood, CA

Guided Tours @ STORIES: The AIDS Monument

JUL

22

8:00 PM

STORIES: The AIDS Monument, 647 N San Vicente Blvd, West Hollywood, CA

Koreatown Community Resource Day

New California Disclosure Law May Give Los Angeles Businesses More Leverage in Merchant Cash Advance