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Who must file an FBN Statement and why?
In the case of a business owned by an individual, a “fictitious business name” is any name that does not include the last name (surname) of the owner, or which implies additional owners (such as "Company", "and Company", "and Sons", "Associates", etc.).
Examples:

"Joyce Smith Catering" is not a Fictitious Business Name.
"Smith and Company Catering" is a Fictitious Business Name.

In the case of a corporation, limited liability company or limited partnership, a fictitious business name is any name other than the exact name that is on record with the Secretary of State's Office.
A Fictitious Business Name (FBN) Statement is a public record intended to make available to the public the identities of persons doing business under the FBN.  Banks often insist on a copy of the FBN Statement before opening a commercial account to satisfy them that Joyce Smith has a right to deposit checks written to "Smith and Company Catering."
How long does a DBA last?
State law will determine the term for a FBN/DBA. In California, DBAs and FBN's are valid for five (5) years from the filing date.
 
An Introduction to Business Plans
Thinking About Starting a Business?
Small Business Resources 
The Secretary of State's office
5 Resources You Need to Succeed to Start a Business
CalChamber