De La Torre v. CashCall CA1/3

Filed 2/27/26 De La Torre v. CashCall CA1/

NOT TO BE PUBLISHED IN OFFICIAL REPORTS

California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

FIRST APPELLATE DISTRICT

DIVISION THREE

EDUARDO DE LA TORRE et al., Plaintiffs and Respondents,

A169205

v. CASHCALL, INC., (San Mateo County Super. Ct. No. 19-CIV-01235) Defendant and Appellant.

This is a class action for violation of the Unfair Competition Law (UCL) (Bus. & Prof. Code, § 17200). Plaintiff Eduardo De La Torre, on behalf of a class of individuals who took out subprime loans from defendant CashCall, Inc. (CashCall), alleges the company’s interest rates of 96 percent to 135 percent violate Financial Code1 section 22302, which applies Civil Code section 1670.5—the codification of the unconscionability doctrine—to consumer loans. After a 14-day bench trial, the trial court found the…