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Chapter 31.04 RCW


Application of chapter.
Violations of chapter.
License requiredWhen violation occurs.
LicenseApplicationBackground checksFeeSurety bond.
LicenseDirector's duties.
LicenseInformation contained.
LicenseePlace of business.
LicenseeAssessmentBondTime of payment.
LicensingApplicationsRegulation of licenseesDirector's duties and authorityFinesOrdersStatute of limitations.
Loans secured, or not secured, by lien on real propertyLicensee's obligationsDisclosure of fees and costs to borrowerTime limits.
Open-end loanRequirementsRestrictionsOptions.
Loan restrictionsInterest calculations.
Advertisements or promotions.
Subpoena authorityApplicationContentsNoticeFees.
Investigations and examinationsDirector's duties and powersProduction of informationCosts.
LicenseeRecordkeepingDirector's accessReport requirementFailure to report.
DirectorBroad administrative discretionRule makingActions in superior court.
DirectorPowers under chapter 19.144 RCW.
ViolationsNo penalty prescribedGross misdemeanorGood faith exception.
Repealed sections of lawRules adopted under.
Application of administrative procedure act.
Enforcement of chapterDirector's discretionHearingSanctionsRecovery of costs.
Application of consumer protection act.
Application of chapter2009 c 120.
Mortgage loan originatorLicense requiredUnique identifier required.
Licensing exemptionsResidential mortgage loans.
Mortgage loan originationIndependent contractors.
Individual loan processorLicensing exemptions.
Mortgage loan originator licenseApplication form and content.
Use of nationwide mortgage licensing system and registry.
Mortgage loan originator applicationRequired submission and use of personal information.
Mortgage loan originator applicationRequired informationFees.
Issuance of mortgage loan originator licenseNecessary findings.
Mortgage loan originator licenseRenewalSurrenderRules.
Mortgage loan originator licensing processRulesInterim procedures.
Mortgage loan originator interim license.
Mortgage loan originatorPrelicensing education requirements.
Mortgage loan originatorTesting requirements.
Mortgage loan originatorContinuing education requirements.
Mortgage loan originatorsSystem information may be challenged.
Information provided to nationwide mortgage licensing system and registryConfidentialityRestrictions on sharing.
Consumer loan companiesWhen reports of condition are required.
Reports of violation2009 c 120.
Mortgage loan originatorUnique identifierDisplay.
Residential mortgage loan servicerRequirementsWritten detailed information.
Residential mortgage loan modification servicesWritten disclosure summaryLimitation on feesRules.
Third-party residential mortgage loan modification services providersDutiesRestrictions.
Residential mortgage loan servicerLiquidity, operating reserves, tangible net worth requirements.
Residential mortgage loan servicerAppointment of receiver.
Short title.
Requirements of licenseeMinimum capitalExceptions.
Loan requirementsComplianceRules.
Right to rescind transaction.
Preapproval required from department of financial institutionsApplication of sectionRules.
Required notice to prospective borrower about counselingFormContentsAnnual disclosure statementsProperty appraisals.
Lender defaultTreble damagesCivil remedies.
Loan advancesEligibility and benefits under means-tested programsSubject to federal law.
Severability1991 c 208.
Short title.
Effective dates, implementation1991 c 208.
Effective date2009 c 120.
Effective date2010 c 35.
Business license system exemption: RCW 19.02.800.
Department of financial institutions: Chapter 43.320 RCW.