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Chapter 31.04 RCW

CONSUMER LOAN ACT

Sections

HTMLPDF 31.04.015Definitions.
HTMLPDF 31.04.025Application of chapter.
HTMLPDF 31.04.027Violations of chapter.
HTMLPDF 31.04.035License required—When violation occurs.
HTMLPDF 31.04.045License—Application—Background checks—Fee—Surety bond.
HTMLPDF 31.04.055License—Director's duties.
HTMLPDF 31.04.065License—Information contained.
HTMLPDF 31.04.075Licensee—Place of business.
HTMLPDF 31.04.085Licensee—Assessment—Bond—Time of payment.
HTMLPDF 31.04.093Licensing—Applications—Regulation of licensees—Director's duties and authority—Fines—Orders—Statute of limitations.
HTMLPDF 31.04.102Loans secured, or not secured, by lien on real property—Licensee's obligations—Disclosure of fees and costs to borrower—Time limits.
HTMLPDF 31.04.105Licensee—Powers—Restrictions.
HTMLPDF 31.04.115Open-end loan—Requirements—Restrictions—Options.
HTMLPDF 31.04.125Loan restrictions—Interest calculations.
HTMLPDF 31.04.135Advertisements or promotions.
HTMLPDF 31.04.143Subpoena authority—Application—Contents—Notice—Fees.
HTMLPDF 31.04.145Investigations and examinations—Director's duties and powers—Production of information—Costs.
HTMLPDF 31.04.155Licensee—Recordkeeping—Director's access—Report requirement—Failure to report.
HTMLPDF 31.04.165Director—Broad administrative discretion—Rule making—Actions in superior court.
HTMLPDF 31.04.168Director—Powers under chapter 19.144 RCW.
HTMLPDF 31.04.175Violations—No penalty prescribed—Gross misdemeanor—Good faith exception.
HTMLPDF 31.04.202Application of administrative procedure act.
HTMLPDF 31.04.205Enforcement of chapter—Director's discretion—Hearing—Sanctions—Recovery of costs.
HTMLPDF 31.04.208Application of consumer protection act.
HTMLPDF 31.04.211Application of chapter—2009 c 120.
HTMLPDF 31.04.221Mortgage loan originator—License required—Unique identifier required.
HTMLPDF 31.04.224Licensing exemptions—Residential mortgage loans.
HTMLPDF 31.04.227Mortgage loan origination—Independent contractors.
HTMLPDF 31.04.231Individual loan processor—Licensing exemptions.
HTMLPDF 31.04.234Mortgage loan originator license—Application form and content.
HTMLPDF 31.04.237Use of nationwide mortgage licensing system and registry.
HTMLPDF 31.04.241Mortgage loan originator application—Required submission and use of personal information.
HTMLPDF 31.04.244Mortgage loan originator application—Required information—Fees.
HTMLPDF 31.04.247Issuance of mortgage loan originator license—Necessary findings.
HTMLPDF 31.04.251Mortgage loan originator license—Renewal—Surrender—Rules.
HTMLPDF 31.04.254Mortgage loan originator licensing process—Rules—Interim procedures.
HTMLPDF 31.04.257Mortgage loan originator interim license.
HTMLPDF 31.04.261Mortgage loan originator—Prelicensing education requirements.
HTMLPDF 31.04.264Mortgage loan originator—Testing requirements.
HTMLPDF 31.04.267Mortgage loan originator—Continuing education requirements.
HTMLPDF 31.04.271Mortgage loan originators—System information may be challenged.
HTMLPDF 31.04.274Information provided to nationwide mortgage licensing system and registry—Confidentiality—Restrictions on sharing.
HTMLPDF 31.04.277Consumer loan companies—When reports of condition are required.
HTMLPDF 31.04.281Reports of violation—2009 c 120.
HTMLPDF 31.04.284Mortgage loan originator—Unique identifier—Display.
HTMLPDF 31.04.290Residential mortgage loan servicer—Requirements—Written detailed information.
HTMLPDF 31.04.293Residential mortgage loan modification services—Written disclosure summary—Limitation on fees—Rules.
HTMLPDF 31.04.297Third-party residential mortgage loan modification services providers—Duties—Restrictions.
HTMLPDF 31.04.300Residential mortgage loan servicer—Liquidity, operating reserves, tangible net worth requirements.
HTMLPDF 31.04.310Residential mortgage or student education loan servicer—Appointment of receiver.
HTMLPDF 31.04.400Program for student education loan servicers—Student achievement council's student loan advocate—Costs—Fees.
HTMLPDF 31.04.405Requirements for a student education loan servicer—Borrower request for information—Transfer of service rights—Records—Rules—Director's obligations.
HTMLPDF 31.04.410Student education loan servicer licensee.
HTMLPDF 31.04.415Third-party student education loan modification services—Restrictions—Requirements.
HTMLPDF 31.04.420Subject to student education loan servicer requirements—Exempt from licensing.
HTMLPDF 31.04.430Dog or cat purchase contracts.
HTMLPDF 31.04.435Finance or loan for purchase of dog or cat—Prohibition.
REVERSE MORTGAGE LENDING
HTMLPDF 31.04.500Short title.
HTMLPDF 31.04.505Definitions.
HTMLPDF 31.04.510Requirements of licensee—Minimum capital—Exceptions.
HTMLPDF 31.04.515Loan requirements—Compliance—Rules.
HTMLPDF 31.04.520Right to rescind transaction.
HTMLPDF 31.04.525Preapproval required from department of financial institutions—Application of section—Rules.
HTMLPDF 31.04.530Required notice to prospective borrower about counseling—Form—Contents—Annual disclosure statements—Property appraisals.
HTMLPDF 31.04.535Lender default—Treble damages—Civil remedies.
HTMLPDF 31.04.540Loan advances—Eligibility and benefits under means-tested programs—Subject to federal law.
HTMLPDF 31.04.901Short title.
HTMLPDF 31.04.902Effective dates, implementation—1991 c 208.
HTMLPDF 31.04.903Effective date—2009 c 120.
HTMLPDF 31.04.904Effective date—2010 c 35.
HTMLPDF 31.04.905Application—2018 c 62.
HTMLPDF 31.04.906Short title—2018 c 62.

NOTES:

Business license system exemption: RCW 19.02.800.
Department of financial institutions: Chapter 43.320 RCW.