The usury laws are a hodgepodge of Constitutional Amendments, legislative passed bills, codes, and rules rife with numerous arcane exceptions and exemptions.   

However, they didn't give a specific bill/legislation.

And just for fun I know there's more than one thread about cities and legislative impacts on short-term rentals.

That said, below is the law of unintended consequences by our legislators in their zest to protect the public

You will also want to engage an attorney that is familiar with owner-finance transactions, so they can draw up the documents and make sure you complying with the Dodd-Frank legislation.  

This legislation, if passed, would become one of the most extreme rent control and regulation bill in the COUNTRY.      

Legislation is trying to fix this. 

There was so much fraud in the so CALLED we are going to help the poor homeowner the AG's stepped in and created new legislation. 

Hey @Carlos Alonso You might be able to do a Jr ADU after Jan 1st. https://carlaef.org/2019/09/13/making-sense-of-this-years-adu-legislation/

Since Congress has never passed legislation providing a bright line test between 1099 and W-2, the IRS uses fuzzy rules favoring W-2 over 1099 when they have doubts.For example, if you want perceived freedom, choose 1099.