Under California law a person in a trade or business who in the course of entering into a contract negotiates primarily in the Spanish language orally or in writing must give the consumer a written Spanish-language translation of the proposed contract. (1)~~The Spanish-language translation must be given to the consumer before the consumer signs the contract. The seller or creditor must give the consumer the Spanish-language translation whether or not the consumer requests it. The Spanish-language translation must include the proposed contract terms such as purchase price finance charges payment amount etc.~~The purpose of the law is to insure that the Spanish-speaking person has a genuine opportunity to read the Spanish-language translation of any proposed contract that has been negotiated primarily in Spanish and to consult with others before the contract is signed. It is never sufficient for the seller or creditor to give the Spanish-speaking person a Spanish-language translation after he or she has executed (signed) the contract.~~If a trade or business that is required to provide a Spanish-language translation fails to do so the consumer can rescind (cancel) the contract or agreement in which event the law governing cancellation will apply. 2 The consumer can cancel the contract even if it has been assigned to a financial institution; but in that event the consumer can look to the original trade or business for a return of the amounts he or she has paid. If the consumer received any goods the goods must be returned to the original trade or business.~~If a consumer rescinds the consumer need not pay the financial institution that has received an assignment of the contract. Instead the financial institution is entitled to return the contract to the original trade or business and to recover from the original trade or business anything it has paid to the trade or business.