Chapter 63.14 RCW

RETAIL INSTALLMENT SALES OF GOODS AND SERVICES

Sections
Definitions.
Retail installment contractsNumber of documentsPromissory notesDateSignaturesCompletionType size.
Retail installment contractsDelivery to buyer of copyAcknowledgment of delivery.
Retail installment contractsContents.
Retail installment contractsPurchase of motor vehicle.
Retail installment contractsMultiple documents permissible where original applies to purchases from time to time.
Retail installment contractsMail orders based on catalog or other printed solicitation.
Retail installment contractsSeller not to obtain buyer's signature when essential blank spaces not filledExceptions.
Retail installment contractsPrepayment in full of unpaid time balanceRefund of unearned service charge"Rule of seventy-eighths."
Retail installment contracts, retail charge agreements, and lender credit card agreementsDelinquency or collection chargesAttorney's fees, court costsOther provisions not inconsistent with chapter are permissible.
Receipt for cash paymentRetail installment contracts, statement of payment schedule and total amount unpaid.
Consolidation of subsequent purchases with previous contract.
Retail charge agreements and lender credit card agreementsInformation to be furnished by seller.
Restrictions on electronically printed credit and debit card receipts.
Lender credit card agreementsSecurity interests prohibited.
Retail installment contracts, retail charge agreements, and lender credit card agreementsService charge agreed to by contractOther fees and charges prohibited.
Retail installment transactionUnconscionableJudicial action.
Retail installment contracts, retail charge agreements, and lender credit card agreementsInsurance.
Retail installment contracts and charge agreementsSale, transfer, or assignment.
Retail installment contracts, retail charge agreements, and lender credit card agreementsAgreements by buyer not to assert claim or defense or to submit to suit in another county invalid.
Retail installment contracts, retail charge agreements, and lender credit card agreementsCompliance with disclosure requirements of federal consumer protection act deemed compliance with chapter 63.14 RCW.
Declaratory judgment action to establish if service charge is excessive.
Cancellation of transaction by buyerProcedure.
Extension or deferment of paymentsAgreement, charges.
Refinancing agreementsCostsContents.
New payment scheduleWhen authorized.
Conduct or agreement of buyer does not waive remedies.
Financial institution credit card agreement not subject to chapter 63.14 RCW, but subject to chapter 19.52 RCW.
Lender credit card agreements and financial institution credit card agreementsCredit to account for returned goods or forgiveness of a debit for servicesStatement of credit to card issuerNotice to cardholder.
ViolationsPenalties.
ViolationsRemedies.
Noncomplying person barred from recovery of service charge, etc.Remedy of buyerExtent of recovery.
Restraint of violations.
Assurance of discontinuance of unlawful practices.
Violation of order or injunctionPenalty.
Severability1963 c 236.
Severability1967 c 234.
Severability1981 c 77.
Application, saving1981 c 77.
Severability1984 c 280.
Saving1963 c 236.
Effective date1963 c 236.
Effective dateSaving1967 c 234.
Effective date1993 sp.s. c 5.
Severability1993 sp.s. c 5.
Application1995 c 249.
Savings1995 c 249.
Effective date1995 c 249.
NOTES:
Consumer leases: Chapter 63.10 RCW.
InterestUsury: Chapter 19.52 RCW.