California SB 82 — a bill that seeks to end “infinite” arbitration clauses and limit the scope of consumer arbitration agreements to the “use, payment, or provision of the good, service, money, or credit provided by that consumer use agreement” — was signed into law by Gov. Gavin Newsom on Oct. 6, 2025. SB 82 slides into section 1670.15 of California’s civil code and takes effect on Jan. 1, 2026. Consumer-facing companies in California may now want to re-examine their consumer-use agreements.

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Photo of Alicia A. Baiardo Alicia A. Baiardo

Ali, a partner in the San Francisco office of McGuireWoods, is a commanding commercial litigator trusted by three of the largest U.S. banks and numerous Fortune Global 500 companies to defend high-stakes, multimillion-dollar class actions and other complex litigation. Her practice spans nationwide…

Ali, a partner in the San Francisco office of McGuireWoods, is a commanding commercial litigator trusted by three of the largest U.S. banks and numerous Fortune Global 500 companies to defend high-stakes, multimillion-dollar class actions and other complex litigation. Her practice spans nationwide consumer class actions involving millions of class members, California-wide cases alleging unfair competition, fraud, violation of various consumer protection statutes, complex Ponzi-scheme matters brought against financial institutions, and the rapidly evolving landscape of mass arbitrations. She has a strong track record of successfully representing clients through trial, including defending major national banks in multidistrict class action litigation and individual class actions, skillfully navigating the regulatory implications that often accompany such matters.

Photo of Amy Morrissey Turk Amy Morrissey Turk

Amy Morrissey Turk is co-leader of McGuireWoods’ consumer products and retail industry team. She works on complex class actions and mass arbitrations throughout the country for companies in a variety of industries, most notably the retail, health care, and financial services industries. Amy…

Amy Morrissey Turk is co-leader of McGuireWoods’ consumer products and retail industry team. She works on complex class actions and mass arbitrations throughout the country for companies in a variety of industries, most notably the retail, health care, and financial services industries. Amy offers clients a broad spectrum of legal experience gained both as a seasoned litigator for business-focused law firms and also as a former assistant general counsel who managed the nationwide employment portfolio of a multibillion-dollar Fortune 150 retail corporation. In that in-house role, she led and directed internal investigations and the company’s litigation strategy in employment matters pending before arbitrators, agencies at all governmental levels, and state and federal courts throughout the United States. She has extensive experience managing nationwide class, collective, and mass claims.

Photo of Paul Chappell Paul Chappell

Paul is a member of both the firm’s labor and employment and higher education groups. Paul’s national employment practice involves high-stakes litigation, counseling on a variety of employment matters, and reviewing and negotiating executive level employment contracts.