In Prudential Home Mortgage Co. v. Superior Court (1998) 66 Cal.App.4th 1236, borrowers sued several lenders for violations of Civil Code section 2941, which requires a lender to record a reconveyance of a deed of trust after the borrower pays off a secured loan and provides a criminal penalty for a lender's failure to do so. (Id. at p. 1240.) A majority of the court held that the delayed discovery doctrine could apply because the plaintiffs were entitled to presume the defendants had performed an act required by a penal statute. (Id. at pp. 1241, 1248.)