Civil Code 1799.1 requires a creditor to provide any co-signer of a consumer credit contract with a specified warning about the risks of guaranteeing someone else’s debt.  And Civil Code 1799.5 provides that the creditor may not enforce the contract and any accompanying security interest against the co-signer if the statutory warning isn’t given.  This decision holds that these provisions apply to a contract for premium financing of a bail bond.  Since the required warning wasn’t given, the co-signer is off the hook on the premium financing contract.  Bail bond companies are separately regulated but not exempted thereby from compliance with other consumer protection statutes.  The trial court properly entered a permanent injunction against BBBB under the UCL barring BBBB from enforcing premium financing contract co-signers who had not in the past received the required statutory warning.