| 208-620-010 | Definitions. |
| LICENSING |
| 208-620-230 | Do I need to apply for a consumer loan license if I am lending money in the state of Washington? |
| 208-620-235 | Is there a maximum rate of interest allowed under the act? |
| 208-620-240 | Once I am licensed, does the act apply to all loans I make or only those above twelve percent? |
| 208-620-245 | Does the Consumer Loan Act allow me to make one or two loans subject to the act without being licensed? |
| 208-620-250 | If my out-of-state company applies for a license under the Consumer Loan Act do we have to have a branch in the state of Washington? |
| 208-620-260 | If I am licensed under the Consumer Loan Act, can I broker loans in the state of Washington? |
| 208-620-270 | Can I make a loan subject to the act without first getting a license? |
| 208-620-280 | How do I apply for a consumer loan license? |
| 208-620-285 | If my application is incomplete when I file it with the department, what will happen? |
| 208-620-290 | What fees will I be charged for my application for a consumer loan license? |
| 208-620-300 | If I want to open more than one office, do I have to file an application for each location? |
| 208-620-310 | Is it necessary to license an office that is only providing underwriting and other back-office services? |
| 208-620-320 | What is the amount of the bond required for my consumer loan license? |
| 208-620-330 | Does the surety bond need to reflect coverage for licensee and its W-2 employees and independent contractors? |
| 208-620-340 | Do I have any alternative to maintaining a surety bond? |
| 208-620-350 | If I qualify to use a bond substitute in lieu of a surety bond, what documentation do I have to provide to the department? |
| 208-620-360 | What if I choose the bond substitute alternative and my unimpaired capital falls below the minimum? |
| 208-620-370 | What are the grounds for denying or conditioning my license application? |
| 208-620-380 | Are there any additional requirements for out-of-state licensees? |
| 208-620-390 | If I am offering loans by mail or internet to Washington residents, do I have to license those locations? |
| 208-620-395 | Do I need to display my license in my place of business? |
| 208-620-400 | Can I share an office with another business? |
| 208-620-410 | May I sell other types of products from my licensed location? |
| 208-620-420 | May I transact business in a name other than the name on my license? |
| 208-620-425 | May I transfer or assign my license? |
| LICENSEE REPORT REQUIREMENTS |
| 208-620-430 | What are my annual filing requirements as a consumer loan licensee? |
| 208-620-440 | How do I calculate my annual assessment for activity in Washington? |
| 208-620-460 | Must I file my annual report even if I go out of business during the year? |
| 208-620-470 | Do I need to notify the department if I move the location of my office? |
| 208-620-475 | Must I notify the department if I cease doing business in this state if I am doing business in other states? |
| 208-620-480 | What are my reporting responsibilities if my company files for bankruptcy? |
| 208-620-490 | What are my reporting responsibilities when something of significance happens to my business? |
| 208-620-500 | What are my reporting requirements if I want to close one or more of my branch offices? |
| DISCLOSURE AND OTHER OBLIGATIONS |
| 208-620-505 | In addition to the Consumer Loan Act, what other laws do I have to comply with? |
| 208-620-510 | What are my disclosure obligations to consumers under the Consumer Loan Act? |
| 208-620-511 | What is the disclosure required under RCW 19.144.020? |
| 208-620-512 | If I pull a credit report on a consumer who has identified a specific property on a purchase and sales agreement or contract, or is refinancing a specific property, is that enough to trigger the required disclosures under RESPA and TILA? |
| POWERS AND RESTRICTIONS |
| 208-620-515 | What authority do I have as a licensee? |
| RECORDKEEPING |
| 208-620-520 | How long do I have to maintain my records under the Consumer Loan Act? |
| 208-620-530 | Can I maintain my records electronically? |
| 208-620-540 | Do I need to account separately for payments from borrowers for third party service providers? |
| RESTRICTIONS, PROHIBITIONS AND GROUNDS FOR REVOCATION |
| 208-620-550 | What business practices are prohibited? |
| 208-620-560 | What restrictions are there for charging fees on junior lien loans other than the loan origination fee when acting as a lender or correspondent lender? |
| 208-620-565 | What fees am I allowed and not allowed to charge or receive when acting as a broker under the act? |
| 208-620-570 | What are the grounds for suspending or revoking a license? |
| EXAMINATIONS |
| 208-620-580 | As a licensee, will my business be subject to periodic examinations? |
| 208-620-590 | How much will I be charged for my periodic examinations and when will the payment be due? |
| 208-620-600 | How often will the department visit my business to examine my records? |
| INVESTIGATIONS |
| 208-620-610 | What authority does the department have to investigate violations of the Consumer Loan Act? |
| 208-620-611 | What federal guidance has the director adopted for use by the department in determining if a violation under RCW 31.04.027 has occurred? |
| 208-620-612 | What must I do to comply with the federal guidelines on nontraditional mortgage loan product risks and statement on subprime lending? |
| 208-620-613 | When I develop policies and procedures to implement the federal guidelines, what topics must be included? |
| ADVERTISING RESTRICTIONS |
| 208-620-620 | How do I have to identify my business when I advertise? |
| 208-620-630 | What are the advertising restrictions, and what are some examples of those restrictions? |
| 208-620-640 | What are some of the federal laws I must comply with when I advertise any loan subject to the Consumer Loan Act? |
| MISCELLANEOUS |
| 208-620-650 | Will the director waive fees charged under the Consumer Loan Act? |