Klarna discloses that loans made or arranged to California residents are made under a California Financing Law license, identified by NMLS number 1353190.
This analysis describes what Klarna's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes Klarna's state licensing basis for offering consumer credit products to California residents, which triggers obligations under the California Financing Law including examination authority by the California DFPI.
Severity downgraded from medium to low, indicating reduced regulatory emphasis.
View full change record →Under this disclosure, California residents who take out loans through Klarna are entitled to the consumer protections afforded by the California Financing Law, including DFPI oversight and complaint resolution mechanisms.
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"CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.Excerpt from Klarna's Terms of Service
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This provision establishes Klarna's state licensing basis for offering consumer credit products to California residents, which triggers obligations under the California Financing Law including examination authority by the California DFPI.
Under this disclosure, California residents who take out loans through Klarna are entitled to the consumer protections afforded by the California Financing Law, including DFPI oversight and complaint resolution mechanisms.
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