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U.S. State Codes
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Washington
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Title 31 - Miscellaneous Lo...
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Chapter 31.04 - Consumer Loan Act.
Chapter 31.04 - Consumer Loan Act.
31.04.015 Definitions.
31.04.025 Application of chapter.
31.04.027 Violations of chapter.
31.04.035 License required—When violation occurs.
31.04.045 License—Application—Background checks—Fee—Surety bond.
31.04.055 License—Director's duties.
31.04.065 License—Information contained.
31.04.075 Licensee—Place of business.
31.04.085 Licensee—Assessment—Bond—Time of payment.
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.
31.04.105 Licensee—Powers—Restrictions.
31.04.115 Open-end loan—Requirements—Restrictions—Options.
31.04.125 Loan restrictions—Interest calculations.
31.04.135 Advertisements or promotions.
31.04.143 Subpoena authority—Application—Contents—Notice—Fees.
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.
31.04.165 Director—Broad administrative discretion—Rule making—Actions in superior court.
31.04.168 Director—Powers under chapter 19.144 RCW.
31.04.175 Violations—No penalty prescribed—Gross misdemeanor—Good faith exception.
31.04.202 Application of administrative procedure act.
31.04.205 Enforcement of chapter—Director's discretion—Hearing—Sanctions—Recovery of costs.
31.04.208 Application of consumer protection act.
31.04.211 Application of chapter—2009 c 120.
31.04.221 Mortgage loan originator—License required—Unique identifier required.
31.04.224 Licensing exemptions—Residential mortgage loans.
31.04.227 Mortgage loan origination—Independent contractors.
31.04.231 Individual loan processor—Licensing exemptions.
31.04.234 Mortgage loan originator license—Application form and content.
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.
31.04.244 Mortgage loan originator application—Required information—Fees.
31.04.247 Issuance of mortgage loan originator license—Necessary findings.
31.04.251 Mortgage loan originator license—Renewal—Surrender—Rules.
31.04.254 Mortgage loan originator licensing process—Rules—Interim procedures.
31.04.257 Mortgage loan originator interim license.
31.04.261 Mortgage loan originator—Prelicensing education requirements.
31.04.264 Mortgage loan originator—Testing requirements.
31.04.267 Mortgage loan originator—Continuing education requirements.
31.04.271 Mortgage loan originators—System information may be challenged.
31.04.274 Information provided to nationwide mortgage licensing system and registry—Confidentiality—Restrictions on sharing.
31.04.277 Consumer loan companies—When reports of condition are required.
31.04.281 Reports of violation—2009 c 120.
31.04.284 Mortgage loan originator—Unique identifier—Display.
31.04.290 Residential mortgage loan servicer—Requirements—Written detailed information.
31.04.293 Residential mortgage loan modification services—Written disclosure summary—Limitation on fees—Rules.
31.04.297 Third-party residential mortgage loan modification services providers—Duties—Restrictions.
31.04.300 Residential mortgage loan servicer—Liquidity, operating reserves, tangible net worth requirements.
31.04.310 Residential mortgage or student education loan servicer—Appointment of receiver.
31.04.400 Program for student education loan servicers—Student achievement council's student loan advocate—Costs—Fees.
31.04.405 Requirements for a student education loan servicer—Borrower request for information—Transfer of service rights—Records—Rules—Director's obligations.
31.04.410 Student education loan servicer licensee.
31.04.415 Third-party student education loan modification services—Restrictions—Requirements.
31.04.420 Subject to student education loan servicer requirements—Exempt from licensing.
31.04.430 Dog or cat purchase contracts.
31.04.500 Short title.
31.04.505 Definitions.
31.04.510 Requirements of licensee—Minimum capital—Exceptions.
31.04.515 Loan requirements—Compliance—Rules.
31.04.520 Right to rescind transaction.
31.04.525 Preapproval required from department of financial institutions—Application of section—Rules.
31.04.530 Required notice to prospective borrower about counseling—Form—Contents—Annual disclosure statements—Property appraisals.
31.04.535 Lender default—Treble damages—Civil remedies.
31.04.540 Loan advances—Eligibility and benefits under means-tested programs—Subject to federal law.
31.04.901 Short title.
31.04.902 Effective dates, implementation—1991 c 208.
31.04.903 Effective date—2009 c 120.
31.04.904 Effective date—2010 c 35.
31.04.905 Application—2018 c 62.
31.04.906 Short title—2018 c 62.