Revised Code of Washington
Title 31 - Miscellaneous Loan Agencies
Chapter 31.04 - Consumer Loan Act.

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...

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Revised Code of Washington Title 31 - Miscellaneous Loan Agencies Chapter 31.04 - Consumer Loan Act.

Revised Code of Washington
Title 31 - Miscellaneous Loan Agencies
Chapter 31.04 - Consumer Loan Act.