This proceeding was instituted by the state under section 11610 et seq. of the Health and Safety Code to forfeit the interest of Clara M. Estrada and Melvin J. Estrada, the registered owners, and American Trust Company, the legal owner, of the defendant automobile, on the ground that said vehicle was unlawfully used to keep, deposit, *366 conceal, convey, carry and transport narcotics (marijuana) contrary to the provisions of the Health and Safety Code, supra. Clara M. Estrada and Melvin J. Estrada filed an answer denying the charge. Their interest in the automobile was ordered forfeited to the state and they have not appealed from the judgment.

Laverone Motors had sold the automobile to Clara M. Estrada by a conditional contract of sale and on the day following the sale transferred all its interest, title and right in the contract and automobile to American Trust Company. American Trust Company answered, claiming a bona fide interest in the vehicle and alleged that its interest was created by a reasonable investigation of the moral responsibility, character and reputation of Clara M. Estrada and without knowledge that the vehicle was being used for the purpose charged.

The trial court found that the Oldsmobile “was used to unlawfully keep, deposit, convey, carry and transport narcotics, to-wit . . . marijuana”; that such acts were done with the “knowledge of one Melvin Estrada who at said time was in possession and control of said defendant vehicle”; that at the time defendant vehicle was in his possession and control with the consent of Clara Estrada, the registered owner; “that on the date of the seizure . . . American Trust Company was the legal owner of defendant vehicle pursuant to the terms of a conditional sales contract executed by Clara M. Estrada on the 28th day of March, 1956, between the said Clara M. Estrada and Laverone Motors”; that the contract was assigned to and accepted by American Trust Company on the 29th day of March, 1956 and “that the interest of claimant American Trust Company in defendant vehicle was acquired after a reasonable investigation of the moral character, moral responsibility and moral reputation of Clara M. Estrada.” The court concluded that the vehicle should be declared forfeited to the state subject to a prior lien against defendant vehicle in favor of American Trust Company. Judgment was entered accordingly. From that part of the judgment in favor of American Trust Company the state appeals.

Appellant contends that the evidence is insufficient as a matter of law to support the finding that American Trust Company made a sufficient and reasonable investigation of the moral character, responsibility, and reputation of the purchaser, Clara M. Estrada, prior to the bank’s lien. We feel that there is merit in this contention.

*367 The evidence shows that American Trust Company purchased the conditional sales contract for the sale of the defendant vehicle to Mrs. Estrada on March 29, 1956. It also shows that the only investigation made by American Trust Company prior to the purchase of the contract and the creation of the bank’s interest in the automobile consisted of a review by a Mr. Horsley, a loan officer of the bank, of the bank’s own records with respect to three prior loan transactions with Mrs. Estrada. These transactions consisted of an PHA loan for $61 made in June of 1951, a loan made in November, 1951 for the purchase of a TV set for $200, and the purchase by the bank of an automobile contract which was paid off in May, 1954, and that at the time that Mrs. Estrada purchased the TV set she called at the bank and was interviewed by one of the bank’s loan officers in connection with the loan. Upon the subject matter Mr. Horsley testified as follows:

Exhibit B is a telephone report which contains the following information: “Surname—Estrada; First Name—Clara; Date-—April 4 ’56 ; File Since—10-52; Last Check—4-56; Employment—Child Care—in home”; and so far as pertinent, “ 3-A-Rating. ”

There is no evidence in the record to show that any investigation was made concerning the moral responsibility, character and reputation of the purchaser. It appears that the investigation concerned her financial standing or credit rating only. “ ‘An investigation into the financial standing or the credit rating of the car purchaser is not sufficient—the law requires an investigation of the “moral responsibility, character, and reputation of the purchaser.” ’ ” (People v. One 1952 Ford Sedan, 146 Cal.App.2d 183, 188 [ 303 P.2d 832 ]; People v. One 1940 Buick 8 Sedan, 70 Cal.App.2d 542, 548 [ 161 P.2d 264 ].) Certainly the statement on the credit report, Exhibit B, “Employment—Child Care—in home,” standing alone, does not indicate a reasonable investigation.

We, are of the opinion that the investigation here made, as a matter of law, was not sufficient to constitute a reasonable *369 investigation of the moral responsibility, character, and reputation of the purchaser as required by section 11620 of the Health and Safety Code. Therefore, the finding “That the interest of claimant American Trust Company in defendant vehicle was acquired after a reasonable investigation of the moral character, moral responsibility and moral reputation of Clara M. Estrada,” finds no ample support in the record.

The portion of the judgment appealed from is reversed.

Van Dyke, P. J., and Peek, J., concurred.

Bespondent's petition for a hearing by the Supreme Court was denied June 11, 1958. Carter, J., and Sehauer, J., were of the opinion that the petition should be granted.

Assigned by Chairman of Judicial Council.