California

1. No — it wouldn’t be allowed on two accounts: the cream and the cream cheese.
2. I think you can, but not under this law. I’m not sure if you need more than a sellers permit.
3. Yes, and many counties require that they be prepackaged. I have seen a number of CFOs do open samples, but I’m not sure if they’re doing so legally.
4. Probably not. If you’re warming a cookie or cake, that may be okay, but your items are supposed to be sold for “consumption off the premises”. Based on the letter of the law, I don’t think you could warm anything, but I think you could provide a microwave for customers to heat things themselves.
5. Yes, everything must be prepackaged and labeled. You can sell a slice of cake, as long as it’s in a container. You are not allowed to operate like a bakery: you cannot have a seating area for customers, and you cannot sell things openly on a plate. Sometimes this rule gets bent… I have seen CFOs grab a cookie and package it on-the-spot, but technically this isn’t allowed. A sign is not sufficient — all of your products must be individually labeled. If the customer chooses to open the package on-the-spot and eat it immediately, that’s okay.

It likely depends on the county. In San Diego, if you have a Class A or B CFO permit, want to sell prepackaged food and do not intend to offer samples, you will not need an additional Temporary Food Facilities (TFF) permit. But, if you want to offer custormers samples to taste, you will need to get a TFF permit costing $250 annually. That also will require you to have a handwashing station (5 gal drum of hot water, soap, paper towels) in your station.