(a) Scope. This section applies to the purchase or lease of consumer goods and services by means of an agreement to pay in installments.
(b) When essential parts of a consumer agreement are negotiated in Spanish, the consumer must be given a Spanish translation of any documents related to the agreement. This requirement includes:
(1) any document which the consumer signs;
(2) any document containing the merchant's policy on refunds, cancellations or exchanges;
(3) any document containing terms and conditions of the agreement;
(4) any guarantees or warranties given by the merchant;
(5) any exclusion or modification of express or implied warranties. The consumer need not be given a Spanish translation of any document which the consumer will receive at a later date, such as monthly bills and sales slips for charge account purchases.