Revised Code of Washington
Title 31 - Miscellaneous Loan Agencies

31.04.045 - License—Application—Background checks—Fee—Surety bond. - RCW 31.04.045 License—Application—Background checks—Fee—Surety bond. (1) Application for a license...

31.04.055 - License—Director's duties. - RCW 31.04.055 License—Director's duties. (1) The director shall issue and...

31.04.065 - License—Information contained. - RCW 31.04.065 License—Information contained. The license shall state the address...

31.04.075 - Licensee—Place of business. - RCW 31.04.075 Licensee—Place of business. (1) The licensee may not...

31.04.085 - Licensee—Assessment—Bond—Time of payment. - RCW 31.04.085 Licensee—Assessment—Bond—Time of payment. (1) A licensee shall, for...

31.04.093 - Licensing—Applications—Regulation of licensees—Director's duties and authority—Fines—Orders—Statute of limitations. - RCW 31.04.093 Licensing—Applications—Regulation of licensees—Director's duties and authority—Fines—Orders—Statute of limitations....

31.04.102 - Loans secured, or not secured, by lien on real property—Licensee's obligations—Disclosure of fees and costs to borrower—Time limits. - RCW 31.04.102 Loans secured, or not secured, by lien on...

31.04.105 - Licensee—Powers—Restrictions. - RCW 31.04.105 Licensee—Powers—Restrictions. Every licensee may: (1) Lend money at...

31.04.115 - Open-end loan—Requirements—Restrictions—Options. - RCW 31.04.115 Open-end loan—Requirements—Restrictions—Options. (1) As used in this section,...

31.04.125 - Loan restrictions—Interest calculations. - RCW 31.04.125 Loan restrictions—Interest calculations. (1) No licensee may make...

31.04.135 - Advertisements or promotions. - RCW 31.04.135 Advertisements or promotions. No licensee may advertise, print,...

31.04.143 - Subpoena authority—Application—Contents—Notice—Fees. - RCW 31.04.143 Subpoena authority—Application—Contents—Notice—Fees. (1) The director or authorized assistants...

31.04.145 - Investigations and examinations—Director's duties and powers—Production of information—Costs. - RCW 31.04.145 Investigations and examinations—Director's duties and powers—Production of information—Costs....

31.04.155 - Licensee—Recordkeeping—Director's access—Report requirement—Failure to report. - RCW 31.04.155 Licensee—Recordkeeping—Director's access—Report requirement—Failure to report. The licensee shall...

31.04.165 - Director—Broad administrative discretion—Rule making—Actions in superior court. - RCW 31.04.165 Director—Broad administrative discretion—Rule making—Actions in superior court. (1)...

31.04.168 - Director—Powers under chapter 19.144 RCW. - RCW 31.04.168 Director—Powers under chapter 19.144 RCW. The director or...

31.04.175 - Violations—No penalty prescribed—Gross misdemeanor—Good faith exception. - RCW 31.04.175 Violations—No penalty prescribed—Gross misdemeanor—Good faith exception. (1) A...

31.04.202 - Application of administrative procedure act. - RCW 31.04.202 Application of administrative procedure act. The proceedings for...

31.04.205 - Enforcement of chapter—Director's discretion—Hearing—Sanctions—Recovery of costs. - RCW 31.04.205 Enforcement of chapter—Director's discretion—Hearing—Sanctions—Recovery of costs. (1) The...

31.04.208 - Application of consumer protection act. - RCW 31.04.208 Application of consumer protection act. The legislature finds...

31.04.211 - Application of chapter—2009 c 120. - RCW 31.04.211 Application of chapter—2009 c 120. The authority of...

31.04.221 - Mortgage loan originator—License required—Unique identifier required. - RCW 31.04.221 Mortgage loan originator—License required—Unique identifier required. An individual...

31.04.224 - Licensing exemptions—Residential mortgage loans. - RCW 31.04.224 Licensing exemptions—Residential mortgage loans. The following are exempt...

31.04.227 - Mortgage loan origination—Independent contractors. - RCW 31.04.227 Mortgage loan origination—Independent contractors. An independent contractor may...

31.04.231 - Individual loan processor—Licensing exemptions. - RCW 31.04.231 Individual loan processor—Licensing exemptions. An individual engaging solely...

31.04.234 - Mortgage loan originator license—Application form and content. - RCW 31.04.234 Mortgage loan originator license—Application form and content. Applicants...

31.04.237 - Use of nationwide mortgage licensing system and registry. - RCW 31.04.237 Use of nationwide mortgage licensing system and registry....

31.04.241 - Mortgage loan originator application—Required submission and use of personal information. - RCW 31.04.241 Mortgage loan originator application—Required submission and use of...

31.04.244 - Mortgage loan originator application—Required information—Fees. - RCW 31.04.244 Mortgage loan originator application—Required information—Fees. (1) The application...

31.04.247 - Issuance of mortgage loan originator license—Necessary findings. - RCW 31.04.247 Issuance of mortgage loan originator license—Necessary findings. (1)...

31.04.251 - Mortgage loan originator license—Renewal—Surrender—Rules. - RCW 31.04.251 Mortgage loan originator license—Renewal—Surrender—Rules. (1) A mortgage loan...

31.04.254 - Mortgage loan originator licensing process—Rules—Interim procedures. - RCW 31.04.254 Mortgage loan originator licensing process—Rules—Interim procedures. For the...

31.04.257 - Mortgage loan originator interim license. - RCW 31.04.257 Mortgage loan originator interim license. To prevent undue...

31.04.261 - Mortgage loan originator—Prelicensing education requirements. - RCW 31.04.261 Mortgage loan originator—Prelicensing education requirements. (1) Each mortgage...

31.04.264 - Mortgage loan originator—Testing requirements. - RCW 31.04.264 Mortgage loan originator—Testing requirements. (1) To obtain a...

31.04.267 - Mortgage loan originator—Continuing education requirements. - RCW 31.04.267 Mortgage loan originator—Continuing education requirements. (1) A licensed...

31.04.271 - Mortgage loan originators—System information may be challenged. - RCW 31.04.271 Mortgage loan originators—System information may be challenged. The...

31.04.274 - Information provided to nationwide mortgage licensing system and registry—Confidentiality—Restrictions on sharing. - RCW 31.04.274 Information provided to nationwide mortgage licensing system and...

31.04.277 - Consumer loan companies—When reports of condition are required. - RCW 31.04.277 Consumer loan companies—When reports of condition are required....

31.04.281 - Reports of violation—2009 c 120. - RCW 31.04.281 Reports of violation—2009 c 120. The director is...

31.04.284 - Mortgage loan originator—Unique identifier—Display. - RCW 31.04.284 Mortgage loan originator—Unique identifier—Display. The unique identifier of...

31.04.290 - Residential mortgage loan servicer—Requirements—Written detailed information. - RCW 31.04.290 Residential mortgage loan servicer—Requirements—Written detailed information. (1) A...

31.04.293 - Residential mortgage loan modification services—Written disclosure summary—Limitation on fees—Rules. - RCW 31.04.293 Residential mortgage loan modification services—Written disclosure summary—Limitation on...

31.04.297 - Third-party residential mortgage loan modification services providers—Duties—Restrictions. - RCW 31.04.297 Third-party residential mortgage loan modification services providers—Duties—Restrictions. (1)...

31.04.300 - Residential mortgage loan servicer—Liquidity, operating reserves, tangible net worth requirements. - RCW 31.04.300 Residential mortgage loan servicer—Liquidity, operating reserves, tangible net...

31.04.310 - Residential mortgage or student education loan servicer—Appointment of receiver. - RCW 31.04.310 Residential mortgage or student education loan servicer—Appointment of...

31.04.400 - Program for student education loan servicers—Student achievement council's student loan advocate—Costs—Fees. - RCW 31.04.400 Program for student education loan servicers—Student achievement council's...

31.04.405 - Requirements for a student education loan servicer—Borrower request for information—Transfer of service rights—Records—Rules—Director's obligations. - RCW 31.04.405 Requirements for a student education loan servicer—Borrower request...

31.04.410 - Student education loan servicer licensee. - RCW 31.04.410 Student education loan servicer licensee. A student education...

31.04.415 - Third-party student education loan modification services—Restrictions—Requirements. - RCW 31.04.415 Third-party student education loan modification services—Restrictions—Requirements. (1) In...

31.04.420 - Subject to student education loan servicer requirements—Exempt from licensing. - RCW 31.04.420 Subject to student education loan servicer requirements—Exempt from...

31.04.430 - Dog or cat purchase contracts. - RCW 31.04.430 Dog or cat purchase contracts. A contract entered...

31.04.500 - Short title. - RCW 31.04.500 Short title. RCW * 31.04.501 through 31.04.540 may...

31.04.505 - Definitions. - RCW 31.04.505 Definitions. The definitions in this section apply throughout...

31.04.510 - Requirements of licensee—Minimum capital—Exceptions. - RCW 31.04.510 Requirements of licensee—Minimum capital—Exceptions. (1) For purposes of...

31.04.515 - Loan requirements—Compliance—Rules. - RCW 31.04.515 Loan requirements—Compliance—Rules. The department of financial institutions has...

31.04.520 - Right to rescind transaction. - RCW 31.04.520 Right to rescind transaction. The borrower in a...

31.04.525 - Preapproval required from department of financial institutions—Application of section—Rules. - RCW 31.04.525 Preapproval required from department of financial institutions—Application of...

31.04.530 - Required notice to prospective borrower about counseling—Form—Contents—Annual disclosure statements—Property appraisals. - RCW 31.04.530 Required notice to prospective borrower about counseling—Form—Contents—Annual disclosure...

31.04.535 - Lender default—Treble damages—Civil remedies. - RCW 31.04.535 Lender default—Treble damages—Civil remedies. (1) In addition to...

31.04.540 - Loan advances—Eligibility and benefits under means-tested programs—Subject to federal law. - RCW 31.04.540 Loan advances—Eligibility and benefits under means-tested programs—Subject to...

31.04.901 - Short title. - RCW 31.04.901 Short title. This chapter shall be known as...

31.04.902 - Effective dates, implementation—1991 c 208. - RCW 31.04.902 Effective dates, implementation—1991 c 208. (1) Sections 1...

31.04.903 - Effective date—2009 c 120. - RCW 31.04.903 Effective date—2009 c 120. In order to facilitate...

31.04.904 - Effective date—2010 c 35. - RCW 31.04.904 Effective date—2010 c 35. This act takes effect...

31.04.905 - Application—2018 c 62. - RCW 31.04.905 Application—2018 c 62. The requirements of chapter 62,...

31.04.906 - Short title—2018 c 62. - RCW 31.04.906 Short title—2018 c 62. This act may be...

Chapter 31.12 - Washington State Credit Union Act.

31.12.003 - Findings—Intent—1997 c 397. - RCW 31.12.003 Findings—Intent—1997 c 397. The legislature finds that credit...

31.12.005 - Definitions. - RCW 31.12.005 Definitions. Unless the context clearly requires otherwise, as...

31.12.015 - Declaration of policy. - RCW 31.12.015 Declaration of policy. A credit union is a...

31.12.025 - Use of words in name. - RCW 31.12.025 Use of words in name. (1) A credit...

31.12.035 - Application for permission to organize—Approval. - RCW 31.12.035 Application for permission to organize—Approval. Seven or more...

31.12.055 - Manner of organizing—Articles of incorporation—Submission to director. - RCW 31.12.055 Manner of organizing—Articles of incorporation—Submission to director. (1)...

31.12.065 - Bylaws—Submission to director. - RCW 31.12.065 Bylaws—Submission to director. (1) Persons applying for the...

31.12.075 - Approval, denial of proposed credit union—Appeal. - RCW 31.12.075 Approval, denial of proposed credit union—Appeal. (1) When...

31.12.085 - Filing upon approval—Fee—Notice to director—Authority to commence business. - RCW 31.12.085 Filing upon approval—Fee—Notice to director—Authority to commence business....

31.12.105 - Amendment to articles of incorporation—Approval of director—Procedure. - RCW 31.12.105 Amendment to articles of incorporation—Approval of director—Procedure. A...

31.12.115 - Amendment to bylaws—Approval of director required—Procedure. - RCW 31.12.115 Amendment to bylaws—Approval of director required—Procedure. (1) A...

31.12.185 - Annual membership meetings. - RCW 31.12.185 Annual membership meetings. (1) A credit union's annual...

31.12.195 - Special membership meetings. - RCW 31.12.195 Special membership meetings. (1) A special membership meeting...

31.12.225 - Board of directors—Election of directors—Terms—Vacancies—Meetings—Rules. - RCW 31.12.225 Board of directors—Election of directors—Terms—Vacancies—Meetings—Rules. (1) The business...

31.12.235 - Directors—Qualifications—Operating officers and employees may serve. - RCW 31.12.235 Directors—Qualifications—Operating officers and employees may serve. (1) A...

31.12.246 - Removal of directors and supervisory committee members—Interim directors and supervisory committee members. - RCW 31.12.246 Removal of directors and supervisory committee members—Interim directors...

31.12.251 - Removal of directors—No quorum. - RCW 31.12.251 Removal of directors—No quorum. If at any time...

31.12.255 - Board of directors—Powers and duties. - RCW 31.12.255 Board of directors—Powers and duties. The business and...

31.12.265 - Officers. - RCW 31.12.265 Officers. (1) The board at its first meeting...

31.12.267 - Officials—Fiduciary duty—Information relied on—Definition. - RCW 31.12.267 Officials—Fiduciary duty—Information relied on—Definition. (1) Officials owe a...

31.12.269 - Directors and committee members—Limitations on personal liability—Exceptions. - RCW 31.12.269 Directors and committee members—Limitations on personal liability—Exceptions. (1)...

31.12.285 - Suspension of members of board or supervisory committee by board—For cause. - RCW 31.12.285 Suspension of members of board or supervisory committee...

31.12.326 - Supervisory committee—Membership—Terms—Vacancies—Operating officers and employees may not serve—Audit committee alternative. - RCW 31.12.326 Supervisory committee—Membership—Terms—Vacancies—Operating officers and employees may not serve—Audit...

31.12.335 - Supervisory committee—Duties. - RCW 31.12.335 Supervisory committee—Duties. (1) The supervisory committee of a...

31.12.345 - Suspension of members of a committee or members of the board by supervisory committee—For cause. - RCW 31.12.345 Suspension of members of a committee or members...

31.12.365 - Directors and supervisory committee members—Compensation—Reimbursement—Rules. - RCW 31.12.365 Directors and supervisory committee members—Compensation—Reimbursement—Rules. (1) A credit...

31.12.367 - Risk—Bond coverage—Notice to director—Timing. - RCW 31.12.367 Risk—Bond coverage—Notice to director—Timing. (1) Each credit union...

31.12.372 - Director may suspend any person, reason—Notice—Injunctions. - RCW 31.12.372 Director may suspend any person, reason—Notice—Injunctions. (1) The...

31.12.382 - Limitation on membership. - RCW 31.12.382 Limitation on membership. (1) Membership in a credit...

31.12.384 - Membership. - RCW 31.12.384 Membership. (1) A credit union may admit to...

31.12.386 - Voting rights—Methods—Proxy—Under eighteen years of age. - RCW 31.12.386 Voting rights—Methods—Proxy—Under eighteen years of age. (1) No...

31.12.388 - Expulsion of member—Challenge—Share and deposit accounts. - RCW 31.12.388 Expulsion of member—Challenge—Share and deposit accounts. (1) Members...

31.12.402 - Powers. - RCW 31.12.402 Powers. A credit union may: (1) Issue shares...

31.12.404 - Additional powers—Authority of director. - RCW 31.12.404 Additional powers—Authority of director. (1) Notwithstanding any other...

31.12.408 - Insurance required after December 31, 1998—Federal share insurance program or an equivalent share insurance program—Director's findings. - RCW 31.12.408 Insurance required after December 31, 1998—Federal share insurance...

31.12.413 - Low-income credit unions—Director's approval required—Powers—Rules. - RCW 31.12.413 Low-income credit unions—Director's approval required—Powers—Rules. (1) A credit...

31.12.416 - Shares and deposits governed by chapter 30.22 RCW—Limitation on shares and deposits—Notice of withdrawal—Lien rights. - RCW 31.12.416 Shares and deposits governed by chapter 30.22 RCW—Limitation...

31.12.418 - Dividends. - RCW 31.12.418 Dividends. Dividends may be paid from current undivided...

31.12.426 - Loans—Secured or unsecured loans. - RCW 31.12.426 Loans—Secured or unsecured loans. (1) A credit union...

31.12.428 - Limit on loan amount. - RCW 31.12.428 Limit on loan amount. (1) No loan may...

31.12.436 - Investment of funds—When investment later becomes impermissible. - RCW 31.12.436 Investment of funds—When investment later becomes impermissible. (1)...

31.12.438 - Investment in real property or leasehold interests—Limitations—Rules. - RCW 31.12.438 Investment in real property or leasehold interests—Limitations—Rules. (1)...

31.12.461 - Mergers. - RCW 31.12.461 Mergers. (1) For purposes of this section, a...

31.12.464 - Merger or conversion of state into federal, out-of-state, or foreign credit union, or other type of financial institution. - RCW 31.12.464 Merger or conversion of state into federal, out-of-state,...

31.12.467 - Merger or conversion of federal, out-of-state, or foreign to state credit union. - RCW 31.12.467 Merger or conversion of federal, out-of-state, or foreign...

31.12.471 - Authority of out-of-state or foreign credit union to operate in this state—Conditions—Rules. - RCW 31.12.471 Authority of out-of-state or foreign credit union to...

31.12.474 - Liquidation—Disposition of unclaimed funds. - RCW 31.12.474 Liquidation—Disposition of unclaimed funds. (1) At a special...

31.12.516 - Powers of director. - RCW 31.12.516 Powers of director. (1) The powers of supervision...

31.12.518 - Powers of director under chapter 19.144 RCW. - RCW 31.12.518 Powers of director under chapter 19.144 RCW. The...

31.12.545 - Examinations and investigations—Reports—Access to records—Oaths—Subpoenas. - RCW 31.12.545 Examinations and investigations—Reports—Access to records—Oaths—Subpoenas. (1) The director...

31.12.565 - Examination reports and specified other information confidential—Exceptions—Penalty. - RCW 31.12.565 Examination reports and specified other information confidential—Exceptions—Penalty. (1)...

31.12.567 - Reports—Financial and statistical data—As required by director. - RCW 31.12.567 Reports—Financial and statistical data—As required by director. A...

31.12.569 - Generally accepted accounting principles. - RCW 31.12.569 Generally accepted accounting principles. Credit unions will comply...

31.12.571 - Notice of intent to establish branch—Another state or foreign jurisdiction. - RCW 31.12.571 Notice of intent to establish branch—Another state or...

31.12.575 - Removal or prohibition orders—Director's authority—Notice. - RCW 31.12.575 Removal or prohibition orders—Director's authority—Notice. The director may...

31.12.580 - Contents of notice under RCW 31.12.575—Hearing—Order. - RCW 31.12.580 Contents of notice under RCW 31.12.575—Hearing—Order. (1) A...

31.12.585 - Prohibited acts—Notice—Cease and desist order. - RCW 31.12.585 Prohibited acts—Notice—Cease and desist order. (1) The director...

31.12.595 - Temporary cease and desist order—Notice—Principal place of business—Superior court. - RCW 31.12.595 Temporary cease and desist order—Notice—Principal place of business—Superior...

31.12.625 - Administrative hearing—Procedures. - RCW 31.12.625 Administrative hearing—Procedures. An administrative hearing on the notice...

31.12.630 - Authority of director to call special meeting of board. - RCW 31.12.630 Authority of director to call special meeting of...

31.12.633 - Authority of director to attend meetings of the board. - RCW 31.12.633 Authority of director to attend meetings of the...

31.12.637 - Intervention by director—Conditions. - RCW 31.12.637 Intervention by director—Conditions. The director may place a...

31.12.641 - Supervision by director—Notice—Compliance—Costs. - RCW 31.12.641 Supervision by director—Notice—Compliance—Costs. (1) As authorized by RCW...

31.12.644 - Supervision by director—Certain acts prohibited. - RCW 31.12.644 Supervision by director—Certain acts prohibited. During the period...

31.12.647 - Supervision by director—Credit union request for review. - RCW 31.12.647 Supervision by director—Credit union request for review. During...

31.12.651 - Conservator—Authorized actions—Costs. - RCW 31.12.651 Conservator—Authorized actions—Costs. (1) As authorized by RCW 31.12.637,...

31.12.654 - Actions by conservator—Review. - RCW 31.12.654 Actions by conservator—Review. During the period of conservatorship,...

31.12.657 - Lawsuits during period of conservatorship. - RCW 31.12.657 Lawsuits during period of conservatorship. Any suit filed...

31.12.661 - Conservator serves until purposes are accomplished. - RCW 31.12.661 Conservator serves until purposes are accomplished. The conservator...

31.12.664 - Liquidation—Suspension or revocation of articles—Placement in involuntary liquidation—Appointment of liquidating agent—Notice—Procedure—Effect. - RCW 31.12.664 Liquidation—Suspension or revocation of articles—Placement in involuntary liquidation—Appointment...

31.12.667 - Order directing involuntary liquidation—Procedure. - RCW 31.12.667 Order directing involuntary liquidation—Procedure. (1) On receipt of...

31.12.671 - Receivership—Appointment of receiver by director—Notice—Act without bond. - RCW 31.12.671 Receivership—Appointment of receiver by director—Notice—Act without bond. (1)...

31.12.674 - Director's orders—Notice to director of hearing—Hearing—Principal place of business—Superior court. - RCW 31.12.674 Director's orders—Notice to director of hearing—Hearing—Principal place of...

31.12.677 - Powers and duties of receiver. - RCW 31.12.677 Powers and duties of receiver. Upon taking possession...

31.12.681 - Claims against credit union in receivership—Notice. - RCW 31.12.681 Claims against credit union in receivership—Notice. The receiver...

31.12.684 - Receiver shall inventory assets—File lists of assets and claims—Objections to approved claims. - RCW 31.12.684 Receiver shall inventory assets—File lists of assets and...

31.12.687 - Expenses incurred by receiver. - RCW 31.12.687 Expenses incurred by receiver. All expenses incurred by...

31.12.691 - Liquidation dividends—Approval of court. - RCW 31.12.691 Liquidation dividends—Approval of court. At any time after...

31.12.694 - Remaining assets—Distribution. - RCW 31.12.694 Remaining assets—Distribution. When all expenses of the receivership...

31.12.697 - Unclaimed liquidation dividends. - RCW 31.12.697 Unclaimed liquidation dividends. Any liquidation dividends to share...

31.12.701 - Personal property—Receiver's duties. - RCW 31.12.701 Personal property—Receiver's duties. (1) The receiver shall inventory,...

31.12.704 - Proceeds of sale—Deposit or payment by receiver. - RCW 31.12.704 Proceeds of sale—Deposit or payment by receiver. The...

31.12.707 - Completion of receivership—Merger, purchase, or liquidation—Secretary of state. - RCW 31.12.707 Completion of receivership—Merger, purchase, or liquidation—Secretary of state....

31.12.711 - Director may terminate receivership—Expenses. - RCW 31.12.711 Director may terminate receivership—Expenses. If at any time...

31.12.714 - Receivership files. - RCW 31.12.714 Receivership files. The receiver or director, as appropriate,...

31.12.717 - Pendency of proceedings for review of appointment of receiver—Liabilities of credit union—Availability of relevant data. - RCW 31.12.717 Pendency of proceedings for review of appointment of...

31.12.721 - Appointment by court of temporary receiver—Notice to director. - RCW 31.12.721 Appointment by court of temporary receiver—Notice to director....

31.12.724 - Actions that are void—Felonious conduct—Penalties. - RCW 31.12.724 Actions that are void—Felonious conduct—Penalties. (1) Every transfer...

31.12.726 - Conservator or receiver may terminate or adopt executory contracts—Timing—Binding terms—Liability. - RCW 31.12.726 Conservator or receiver may terminate or adopt executory...

31.12.728 - Applicability of general receivership law. - RCW 31.12.728 Applicability of general receivership law. Except in cases...

31.12.850 - Prohibited acts—Criminal penalties. - RCW 31.12.850 Prohibited acts—Criminal penalties. (1)(a) It is unlawful for...

31.12.853 - Prohibited acts—Civil penalties—Rules. - RCW 31.12.853 Prohibited acts—Civil penalties—Rules. (1) The department is authorized...

31.12.860 - Taxation of credit unions. - RCW 31.12.860 Taxation of credit unions. Neither a credit union...

31.12.890 - Satellite facilities. - RCW 31.12.890 Satellite facilities. See chapter 30A.43 RCW. NOTES:

31.12.891 - Automated teller machines and night depositories security. - RCW 31.12.891 Automated teller machines and night depositories security. Chapter...

31.12.902 - Short title. - RCW 31.12.902 Short title. This chapter may be known and...

31.12.906 - Effective date—1997 c 397. - RCW 31.12.906 Effective date—1997 c 397. Except for sections 35...

31.12.909 - Construction—Chapter applicable to state registered domestic partnerships—2009 c 521. - RCW 31.12.909 Construction—Chapter applicable to state registered domestic partnerships—2009 c...

31.12.910 - Effective date—2010 c 87. - RCW 31.12.910 Effective date—2010 c 87. This act is necessary...

Chapter 31.13 - Corporate Credit Unions.

31.13.010 - Definition of corporate credit union or corporate. - RCW 31.13.010 Definition of corporate credit union or corporate. As...

31.13.020 - Authority to organize and operate—Powers and authorities—Name—Federal or Kansas state corporate credit unions. - RCW 31.13.020 Authority to organize and operate—Powers and authorities—Name—Federal or...

Chapter 31.20 - Development Credit Corporations.

31.20.010 - Creation under general corporation laws authorized. - RCW 31.20.010 Creation under general corporation laws authorized. Organizations to...

31.20.020 - Purposes specified. - RCW 31.20.020 Purposes specified. The purposes of development credit corporations...

31.20.030 - Corporate powers. - RCW 31.20.030 Corporate powers. In furtherance of the purposes set...

31.20.040 - Minimum capital stock. - RCW 31.20.040 Minimum capital stock. No development credit corporation shall...

31.20.050 - Board of directors. - RCW 31.20.050 Board of directors. All the corporate powers of...

31.20.060 - Members power to loan funds to corporation. - RCW 31.20.060 Members power to loan funds to corporation. Any...

31.20.070 - Members of corporation enumerated. - RCW 31.20.070 Members of corporation enumerated. The members of a...

31.20.080 - Members duty to loan funds to corporation—Maximum limits—Proration of calls. - RCW 31.20.080 Members duty to loan funds to corporation—Maximum limits—Proration...

31.20.090 - Withdrawal from membership. - RCW 31.20.090 Withdrawal from membership. Upon notice given one year...

31.20.100 - Surplus reserve required. - RCW 31.20.100 Surplus reserve required. A development credit corporation shall...

31.20.110 - Funds to be deposited in designated depository. - RCW 31.20.110 Funds to be deposited in designated depository. A...

31.20.120 - Money deposits prohibited. - RCW 31.20.120 Money deposits prohibited. A development credit corporation shall...

31.20.130 - Publication of annual statement of assets and liabilities. - RCW 31.20.130 Publication of annual statement of assets and liabilities....

31.20.140 - Participation in federal act authorized. - RCW 31.20.140 Participation in federal act authorized. Any development credit...

Chapter 31.24 - Industrial Development Corporations.

31.24.005 - Findings—Declarations—Intent. - RCW 31.24.005 Findings—Declarations—Intent. The legislature finds, declares, and intends that:...

31.24.010 - Definitions. - RCW 31.24.010 Definitions. The definitions in this section apply throughout...

31.24.020 - Application—Contents—Articles of incorporation—Fees—Initial capital—Approval. - RCW 31.24.020 Application—Contents—Articles of incorporation—Fees—Initial capital—Approval. (1) Five or more...

31.24.023 - Filing articles of incorporation—Receipt of certificate of authority. - RCW 31.24.023 Filing articles of incorporation—Receipt of certificate of authority....

31.24.025 - Fees—Director's discretion. - RCW 31.24.025 Fees—Director's discretion. The director may, consistent with the...

31.24.030 - Corporate powers. - RCW 31.24.030 Corporate powers. In furtherance of its purposes and...

31.24.066 - Plan of assessment—Purpose—Requirements—Approval. - RCW 31.24.066 Plan of assessment—Purpose—Requirements—Approval. (1) As part of a...

31.24.070 - Powers of stockholders—Voting rights—Proxy voting—Plan of assessment—Dividends—Rules. - RCW 31.24.070 Powers of stockholders—Voting rights—Proxy voting—Plan of assessment—Dividends—Rules. (1)...

31.24.073 - Aggregate limit on loans and investments—Single borrower or business. - RCW 31.24.073 Aggregate limit on loans and investments—Single borrower or...

31.24.075 - Insider transactions. - RCW 31.24.075 Insider transactions. (1) A business development company may...

31.24.080 - Amendment of articles of incorporation—Director's approval—Filing. - RCW 31.24.080 Amendment of articles of incorporation—Director's approval—Filing. (1) The...

31.24.090 - Board of directors—Officers and agents—Powers—Election—Meetings. - RCW 31.24.090 Board of directors—Officers and agents—Powers—Election—Meetings. (1) The business...

31.24.100 - Minimum capital, surplus, undivided profits, and net earnings. - RCW 31.24.100 Minimum capital, surplus, undivided profits, and net earnings....

31.24.110 - No receipt of money on deposit. - RCW 31.24.110 No receipt of money on deposit. A business...

31.24.120 - Examinations by director of financial institutions—Reports—Authority of director. - RCW 31.24.120 Examinations by director of financial institutions—Reports—Authority of director....

31.24.130 - First meeting—Notice—Duties of incorporators. - RCW 31.24.130 First meeting—Notice—Duties of incorporators. (1) The first meeting...

31.24.140 - Duration of business development company. - RCW 31.24.140 Duration of business development company. Unless otherwise provided...

31.24.150 - Dissolution—Method—Distribution of assets. - RCW 31.24.150 Dissolution—Method—Distribution of assets. A business development company, upon...

31.24.160 - Credit of state not pledged. - RCW 31.24.160 Credit of state not pledged. Under no circumstances...

31.24.170 - Business development companies designated state development companies. - RCW 31.24.170 Business development companies designated state development companies. Any...

31.24.190 - Formation of historic business development company for purpose of preservation of historic buildings, areas, or neighborhoods. - RCW 31.24.190 Formation of historic business development company for purpose...

31.24.200 - Insolvency and liquidation—Chapter 30.44 RCW. - RCW 31.24.200 Insolvency and liquidation—Chapter 30.44 RCW. *Chapter 30.44 RCW...

31.24.205 - Supervisory direction and conservatorship. - RCW 31.24.205 Supervisory direction and conservatorship. The director has the...

31.24.210 - Mergers or consolidations—Application—Approval. - RCW 31.24.210 Mergers or consolidations—Application—Approval. (1) Subject to written approval...

31.24.215 - Conversion of development credit corporation—Application—Approval—Filing of articles—Certificate of authority. - RCW 31.24.215 Conversion of development credit corporation—Application—Approval—Filing of articles—Certificate of...

31.24.220 - Confidentiality and disclosure—Examinations. - RCW 31.24.220 Confidentiality and disclosure—Examinations. The existing privileges, immunities, and...

31.24.225 - Business as a limited liability company. - RCW 31.24.225 Business as a limited liability company. Notwithstanding any...

31.24.230 - Simultaneous applications—Business development company and nondepository lender of certain loans—Procedure—Fees. - RCW 31.24.230 Simultaneous applications—Business development company and nondepository lender of...

31.24.235 - Rule making. - RCW 31.24.235 Rule making. The director has broad administrative authority...

31.24.901 - Short title. - RCW 31.24.901 Short title. This chapter shall be known and...

Chapter 31.35 - Agricultural Lenders—Loan Guaranty Program.

31.35.010 - Findings—Intent. - RCW 31.35.010 Findings—Intent. The legislature finds and declares that nondepository...

31.35.020 - Definitions. - RCW 31.35.020 Definitions. Unless the context clearly requires otherwise, the...

31.35.030 - Administration—Rules—Duties of director. - RCW 31.35.030 Administration—Rules—Duties of director. (1) The director shall administer...

31.35.040 - Participation by agricultural lender—Powers and privileges. - RCW 31.35.040 Participation by agricultural lender—Powers and privileges. (1) An...

31.35.050 - Costs of supervision—Fees. - RCW 31.35.050 Costs of supervision—Fees. (1) The director is authorized...

31.35.060 - Responsibility of agricultural lender—Recordkeeping—Loan loss reserve. - RCW 31.35.060 Responsibility of agricultural lender—Recordkeeping—Loan loss reserve. (1) An...

31.35.070 - Examination of agricultural lender. - RCW 31.35.070 Examination of agricultural lender. (1) The director shall...

31.35.080 - Enforcement—Responsibility of director—Penalty. - RCW 31.35.080 Enforcement—Responsibility of director—Penalty. (1) The director shall adopt...

31.35.090 - Enforcement—Court order. - RCW 31.35.090 Enforcement—Court order. If, in the opinion of the...

31.35.100 - Notice—Investments not insured. - RCW 31.35.100 Notice—Investments not insured. All agricultural lenders shall notify...

31.35.105 - Application of RCW 31.24.230. - RCW 31.35.105 Application of RCW 31.24.230. RCW 31.24.230 (2) through...

31.35.900 - Severability—Administrative review—1990 c 134. - RCW 31.35.900 Severability—Administrative review—1990 c 134. If any provision of...

Chapter 31.40 - Federally Guaranteed Small Business Loans.

31.40.010 - Intent. - RCW 31.40.010 Intent. The legislature finds and declares that small...

31.40.020 - Definitions. - RCW 31.40.020 Definitions. Unless the context clearly requires otherwise, the...

31.40.030 - Director—Powers and duties. - RCW 31.40.030 Director—Powers and duties. (1) The director shall administer...

31.40.040 - Licensee—Powers and duties. - RCW 31.40.040 Licensee—Powers and duties. (1) A licensee may participate...

31.40.050 - License approval. - RCW 31.40.050 License approval. After a review of information regarding...

31.40.060 - Prohibited loans—Exception. - RCW 31.40.060 Prohibited loans—Exception. (1) Either by itself or in...

31.40.070 - Fees. - RCW 31.40.070 Fees. (1) The director is authorized to charge...

31.40.080 - Records—Reports—Loan loss reserve. - RCW 31.40.080 Records—Reports—Loan loss reserve. (1) A licensee shall keep...

31.40.090 - Examination of licensees. - RCW 31.40.090 Examination of licensees. (1) The director shall examine...

31.40.100 - Application denial. - RCW 31.40.100 Application denial. If the director denies an application,...

31.40.110 - Rules—Penalties. - RCW 31.40.110 Rules—Penalties. (1) The director shall adopt rules to...

31.40.120 - Injunction. - RCW 31.40.120 Injunction. If, in the opinion of the director,...

31.40.130 - Penalty—License impairment. - RCW 31.40.130 Penalty—License impairment. The director may deny, suspend, or...

31.40.135 - Application of RCW 31.24.230. - RCW 31.40.135 Application of RCW 31.24.230. RCW 31.24.230 (1), (3),...

31.40.900 - Severability—1989 c 212. - RCW 31.40.900 Severability—1989 c 212. If any provision of this...

Chapter 31.45 - Check Cashers and Sellers.

31.45.010 - Definitions. - RCW 31.45.010 Definitions. Unless the context clearly requires otherwise, the...

31.45.020 - Application of chapter. - RCW 31.45.020 Application of chapter. (1) This chapter does not...

31.45.022 - Privacy or confidentiality of any information or material—Federal or other state's laws. - RCW 31.45.022 Privacy or confidentiality of any information or material—Federal...

31.45.030 - License required—Small loan endorsement—Application—Fee—Bond—Deposit in lieu of bond—Director's duties. - RCW 31.45.030 License required—Small loan endorsement—Application—Fee—Bond—Deposit in lieu of bond—Director's...

31.45.040 - Application for license or small loan endorsement—Financial responsibility—Director's investigation. - RCW 31.45.040 Application for license or small loan endorsement—Financial responsibility—Director's...

31.45.043 - Multistate licensing system—Director's discretion. - RCW 31.45.043 Multistate licensing system—Director's discretion. Applicants may be required...

31.45.045 - Reports—Nationwide licensing system. - RCW 31.45.045 Reports—Nationwide licensing system. Each licensee on a nationwide...

31.45.050 - Investigation or examination fee and annual assessment fee required—Amounts determined by rule—Failure to pay—Notice requirements of licensee. - RCW 31.45.050 Investigation or examination fee and annual assessment fee...

31.45.060 - Licensee—Schedule of fee and charges—Recordkeeping. - RCW 31.45.060 Licensee—Schedule of fee and charges—Recordkeeping. (1) A schedule...

31.45.070 - Licensee—Permissible transactions—Restrictions. - RCW 31.45.070 Licensee—Permissible transactions—Restrictions. (1) No licensee may engage in...

31.45.073 - Making small loans—Endorsement required—Due date—Termination date—Maximum amount—Installment plans—Interest—Fees—Postdated check or draft as security. - RCW 31.45.073 Making small loans—Endorsement required—Due date—Termination date—Maximum amount—Installment plans—Interest—Fees—Postdated...

31.45.077 - Small loan endorsement—Application—Form—Information—Exemption from disclosure—Fees. - RCW 31.45.077 Small loan endorsement—Application—Form—Information—Exemption from disclosure—Fees. (1) Each application...

31.45.079 - Making small loans—Agent for a licensee or exempt entity—Federal preemption. - RCW 31.45.079 Making small loans—Agent for a licensee or exempt...

31.45.080 - Trust funds—Deposit requirements—Rules. - RCW 31.45.080 Trust funds—Deposit requirements—Rules. (1) All funds received by...

31.45.082 - Delinquent small loan—Restrictions on collection by licensee or third party—Definitions. - RCW 31.45.082 Delinquent small loan—Restrictions on collection by licensee or...

31.45.084 - Small loan installment plan—Terms—Restrictions. - RCW 31.45.084 Small loan installment plan—Terms—Restrictions. (1) If a borrower...

31.45.085 - Loan application—Required statement—Rules. - RCW 31.45.085 Loan application—Required statement—Rules. (1)(a) In addition to other...

31.45.086 - Small loans—Right of rescission. - RCW 31.45.086 Small loans—Right of rescission. A borrower may rescind...

31.45.088 - Small loans—Disclosure requirements—Advertising—Making loan. - RCW 31.45.088 Small loans—Disclosure requirements—Advertising—Making loan. (1) When advertising the...

31.45.090 - Report requirements—Disclosure of information—Rules. - RCW 31.45.090 Report requirements—Disclosure of information—Rules. (1) Each licensee shall...

31.45.093 - Information system—Access—Required information—Fees—Rules. - RCW 31.45.093 Information system—Access—Required information—Fees—Rules. (1) The director must, by...

31.45.100 - Examination or investigation—Director's authority—Costs. - RCW 31.45.100 Examination or investigation—Director's authority—Costs. The director or the...

31.45.103 - Subpoena authority—Application—Contents—Notice—Fees. - RCW 31.45.103 Subpoena authority—Application—Contents—Notice—Fees. (1) The director or authorized assistants...

31.45.105 - Violations of chapter—Enforceability of transaction. - RCW 31.45.105 Violations of chapter—Enforceability of transaction. (1) It is...

31.45.110 - Violations or unsound financial practices—Statement of charges—Hearing—Sanctions—Director's authority—Statute of limitations. - RCW 31.45.110 Violations or unsound financial practices—Statement of charges—Hearing—Sanctions—Director's authority—Statute...

31.45.120 - Violations or unsound practices—Temporary cease and desist order—Director's authority. - RCW 31.45.120 Violations or unsound practices—Temporary cease and desist order—Director's...

31.45.130 - Temporary cease and desist order—Licensee's application for injunction. - RCW 31.45.130 Temporary cease and desist order—Licensee's application for injunction....

31.45.140 - Violation of temporary cease and desist order—Director's application for injunction. - RCW 31.45.140 Violation of temporary cease and desist order—Director's application...

31.45.150 - Licensee's failure to perform obligations—Director's duty. - RCW 31.45.150 Licensee's failure to perform obligations—Director's duty. Whenever as...

31.45.160 - Director's possession of property and business—Appointment of receiver. - RCW 31.45.160 Director's possession of property and business—Appointment of receiver....

31.45.180 - Violation—Misdemeanor. - RCW 31.45.180 Violation—Misdemeanor. Any person who violates or participates in...

31.45.190 - Violation—Consumer protection act—Remedies. - RCW 31.45.190 Violation—Consumer protection act—Remedies. The legislature finds and declares...

31.45.200 - Director—Broad administrative discretion. - RCW 31.45.200 Director—Broad administrative discretion. The director has the power,...

31.45.210 - Military borrowers—Licensee's duty—Definition. - RCW 31.45.210 Military borrowers—Licensee's duty—Definition. (1) A licensee shall: (a)...

31.45.900 - Effective date, implementation—1991 c 355. - RCW 31.45.900 Effective date, implementation—1991 c 355. This act shall...

31.45.901 - Effective date—2009 c 510. - RCW 31.45.901 Effective date—2009 c 510. This act takes effect...

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Revised Code of Washington Title 31 - Miscellaneous Loan Agencies

Revised Code of Washington
Title 31 - Miscellaneous Loan Agencies