(a)

1. (1) Except as provided in paragraph (2), interest accrues at the rate of 10 percent per annum on the principal amount of a money judgment remaining unsatisfied.

2. (2)

   1. (A) For judgments entered on or after January 1, 2023, or where an application for renewal of judgment is filed on or after January 1, 2023, interest accrues at the rate of 5 percent per annum on the principal amount of a money judgment remaining unsatisfied in the following cases:

      1. (i) The principal amount of a money judgment of under two hundred thousand dollars ($200,000) remaining unsatisfied against a debtor for a claim related to medical expenses.
      2. (ii) The principal amount of a money judgment of under fifty thousand dollars ($50,000) remaining unsatisfied against a debtor for a claim related to personal debt.

   2. (B) The claims specified in subparagraph (A) include, but are not limited to, a claim based on any of the following transactions:

      1. (i) An agreement governing the use of a credit card as defined in subdivision (a) of Section 1747.02 of the Civil Code.
      2. (ii) A conditional sale contract as defined in subdivision (a) of Section 2981 of the Civil Code.
      3. (iii) A deferred deposit transaction as defined in subdivision (a) of Section 23001 of the Financial Code.

   3. (C) For purposes of this paragraph, the following definitions apply:

      1. (i) “Debtor” means a natural person from whom money is due or owing or alleged to be due or owing.
      2. (ii) “Due or owing” does not include debts incurred due to or obtained by tortious or fraudulent conduct or judgments for unpaid wages, damages, or penalties owed to an employee.
      3. (iii) “Personal debt” means money due or owing or alleged to be due or owing from a natural person arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for the debtor’s personal, family, or household purposes.