In a dispute between a consumer and a credit card company involving the validity of a provision in a predispute arbitration agreement that waives the right to seek the statutory remedy of public injunctive relief in any forum, the Court of Appeals' decision is reversed where: 1) such a provision is contrary to California public policy and is thus unenforceable under California law; and 2) the Federal Arbitration Act (FAA), 9 U.S.C. section 1 et seq. does not preempt this rule of California law or require enforcement of the waiver provision.