Would California's new law impact an institution from another state lending to someone who is originally a borrower or has a relationship with us, moves to CA, is in the military, gets a new loan financed through us with a CA title, and purchases GAP?

I don't think so, because we are not located in CA and are a federal institution, but I want to make sure.

https://openstates.org/ca/bills/20212022/SB1311/

This is not California banking law, this is Military and Veterans Code (MVC) protection for a servicemembers who are residents of California. California has many additional protections for servicemembers that are not in MLA and SCRA.

CA MVC 400-409.15
https://leginfo.legislature.ca.gov/...mp;part=1.&chapter=7.5.&article=

CA MVC 800-813
https://leginfo.legislature.ca.gov/...e=&part=&chapter=3.&article=

Thank you for that information, so we would need to comply IF that individual was a resident of CA?

Yes.