Chapter 19.146 RCW

MORTGAGE BROKER PRACTICES ACT

Sections

19.146.005Findings and declaration.
19.146.010Definitions.
19.146.020Exemptions from chapter.
19.146.0201Loan originator, mortgage brokerProhibitionsRequirements.
19.146.030Written disclosure of fees and costsRulesContentsLock-in agreement termsExcess fees limited.
19.146.040Written contract requiredContract entered by loan originator binding on mortgage brokerWritten loan broker agreement required.
19.146.050Moneys for third-party provider services deemed in trustDeposit of moneys in trust accountUse of trust accountRulesTax treatment.
19.146.060Accounting requirements.
19.146.070Fee, commission, or compensationWhen permitted.
19.146.080Borrowers unable to obtain loansMortgage broker to provide copies of certain documentsConditionsExceptions.
19.146.085DutiesGenerally.
19.146.095Fiduciary duties.
19.146.100Violations of chapterApplication of consumer protection act.
19.146.103Financial interest in a mortgage brokerProhibited practices.
19.146.110Criminal penalty.
19.146.200Mortgage broker or loan originatorLicense requiredSuit or action for collection of compensationDesignated broker required.
19.146.205LicenseApplicationApplicant to furnish information establishing identityBackground checkFeeBond or alternative.
19.146.210LicenseRequirements for issuanceDenialValiditySurrenderInterim licenseRules.
19.146.215Continuing educationRules.
19.146.218Informal settlement of complaints or enforcement actionsDirector's discretion.
19.146.220DirectorPowers and dutiesViolations as separate violationsRules.
19.146.221Action by directorHearingSanction.
19.146.223DirectorAdministration and interpretation.
19.146.225DirectorRule-making powers.
19.146.226DirectorLicensing rules and interim procedures.
19.146.227Cease and desist orderAction to enjoin and enforce.
19.146.228FeesException.
19.146.230Administrative procedure act application.
19.146.233Subpoena authorityApplicationContentsNoticeFees.
19.146.235Director's authority to conduct investigations and examinationsRulesPenalty.
19.146.237DirectorPowers under chapter 19.144 RCW.
19.146.240ViolationsClaims against bond or alternative.
19.146.245ViolationsLiability.
19.146.250Authority restricted to person named in licenseExceptions.
19.146.260Registered agent for brokers without physical office in stateVenue.
19.146.265Branch officesFeeLicensesRules.
19.146.300Loan originator licenseApplicationApplicant to furnish information establishing identificationBackground checkFeesRules.
19.146.310Loan originator licenseRequirements for issuanceDenialValidityExpirationSurrenderInterim license.
19.146.320Loan originator licenseNot assignable.
19.146.325Loan originator licenseTest.
19.146.340Loan originator applicants.
19.146.350Loan originatorsContinuing educationRequirements.
19.146.353Residential mortgage loan modification servicesWritten fee agreementLimitation on feesRules.
19.146.355Third-party residential mortgage loan modification services providersDutiesRestrictions.
19.146.357Mortgage loan originatorLicense requiredNationwide mortgage licensing system and registry.
19.146.360Director's dutyProcess to challenge informationNationwide mortgage licensing system and registry.
19.146.370Disclosure of informationPrivilegeConfidentialityExceptions.
19.146.380Director's authority to contractRecords and fees.
19 . 146 . 390 Mortgage brokersCall reportsLicensing system and registry.
19.146.400Director's authorityViolation and enforcement reporting.
19.146.900Short title.
19.146.903Effective dates1994 c 33.
19.146.904Implementation of act2006 c 19.
19.146.905Effective date2006 c 19.
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