{"meta":{"key":"s_wa--pass-08","task":"S_WA","title":"Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries","parent_title":"Washington debt and debt relief law","edition":"pass-08","path":"/research/s_wa--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":21,"claims":94,"sources":27,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"1faa09673d2084833a601b2e22006d7a9d7c23376b440147a6efbd2c6ac3264d","headings":["Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries","1. Reading conventions and authority boundaries","Authority and category comparison","2.1 Principal codified instruments and indispensable incorporations","2.2 S001 section-by-section usage, credits, and boundaries","2.3 S021 rule usage and adopted-rule credits","2.4 Enacted originals, adopted order, and official administrative material","3.1 Framework, roles, property, and scope — question 1","3.2 Residential contact, default notice, successors and mediation — question 2","3.3 State servicing and loss-mitigation interfaces — questions 2–3","3.4 Cure, reinstatement, tender, expenses and information — question 3","3.5 Sale setting, continuation, restraint, completion, rescission and proceeds — question 4","3.6 Deficiency, guarantor, waiver and remedy boundaries — question 5","3.7 Version, funding and counting claims — questions 6–7","4.1 Scope, contact, notice and mediation","4.2 Servicing, cure and expenses","4.3 Sale, restraint, completion and personal-liability relations","8.1 Read log","8.2 Search log","8.3 Failed routes and unresolved retrievals — not source evidence"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-08","facets":{"geography":["us","us-wa"],"debt_type":["mortgage"],"stage":["foreclosure"],"subject":["foreclosure-repossession"]},"scope":"Independent nonjudicialdeed-of-trust foreclosure/residentialpresale/cure/sale/postponement/deficiency portionofdimension6; homestead/P3clocks/fulljudicial/federal/tenancyregimes excluded.","pending_corrections":0},"markdown":"# SettleADebt — S_WA PASS-08\n\n## Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries\n\n**Actual public-source access:** October 28, 2026, America/Los_Angeles. The initial access-time check was 08:54 PDT.\n\n**Scope:** This report addresses only the specified nonjudicial deed-of-trust component. It uses newly read public primary authorities. P1–P7 supply no substantive premise here; their findings, provenance, exclusions, and unresolved questions remain unchanged.\n\nWashington’s current statutory text provides a nonjudicial trustee-sale route, conditional residential contact and mediation protections, a reinstatement mechanism, several distinct ways a sale can be delayed or discontinued, and a deficiency bar subject to specified commercial-loan exceptions. Those provisions do not establish that any actual obligation, instrument, actor, notice, or sale satisfies the law. [app.leg.wa.gov+3](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030&utm_source=chatgpt.com)\n\nThe most consequential unresolved textual or access issues are:\n\n- The cure provision says **“prior to the eleventh day”**, while statutory notice language uses **“on or before”** that day.\n- The initial-contact provisions use different reference events for their thirty-day and ninety-day periods.\n- The amended-sale mediation provisions do not all express the same stay-related qualification.\n- The statute supplies an overrideable mediation-fee default; the **currently authorized administrative amount was not verified**.\n- The servicing statute and regulation state different information-response periods.\n- The former homeowner-assistance-program postponement section is officially marked expired, but its exact triggering closure/expiration date was not authenticated.\n- Federal servicing, bankruptcy, SCRA, title, priority, tenancy, and judicial-construction dependencies remain expressly open.\n\nNo actual deadline, fee, payoff, deficiency, eligibility, title, or foreclosure outcome is determined.\n\n## 1. Reading conventions and authority boundaries\n\nThe registers below use these conventions:\n\n- **S001** means **S_WA-P8-S001**; similarly, abbreviated claim references such as **C045** mean **S_WA-P8-C045**.\n- **Current** means the operative version displayed by the official source on the access date, subject to the stated currency limitations. It does not mean that unsearched judicial stays, vacatur, or every possible federal overlay have been independently excluded.\n- **Full section read** means the complete operative body, its material exceptions, and displayed source/application notes were read. It does not mean every older enactment in its historical credit line was read.\n- **Parsed PDF** means extracted text was read. It is not a claim that page images were inspected.\n- **Held** means no favorable or adverse application is inferred.\n- **d** below means the source says “days” without the more specific unit reproduced in the table. **Calendar days** and **business days** are identified separately.\n- References to a statutory notice describe an **unfilled public statutory instrument**, not an issued notice or proof of compliance.\n\n### Authority and category comparison\n\n| Category | Controlling role in this pass | Distinction that must remain |\n| --- | --- | --- |\n| Chapter 61.24 RCW | State nonjudicial deed-of-trust framework | An alternative statutory route with its own prerequisites; not a completed judicial foreclosure analysis. |\n| RCW 61.24.030 | Preconditions to trustee sale | Default, power of sale, recording, holder proof, notice, and residential prerequisites are separate predicates. |\n| RCW 61.24.031 | Covered residential pre-default contact | Does not itself establish mediation eligibility or compel a modification. |\n| RCW 61.24.163–.166 | Referral, mediation, certification, scope, institutional exemption | Referral, participation, certification, and an injunction ground are different events. |\n| RCW 61.24.090 | Cure and reinstatement | Removes the specified default/acceleration consequences when its conditions are met; not general debt cancellation. |\n| RCW 61.24.040, .050, .130 | Sale notice, continuation, sale effect, statutory rescission, court restraint/reset | A continuation, a new setting after restraint, and post-sale statutory rescission are distinct mechanisms. |\n| RCW 61.24.100 | Route-specific personal-liability boundaries | A trustee-sale deficiency bar is not a universal declaration that all related obligations disappear. |\n| Chapter 31.04 RCW and chapter 208-620 WAC | Conditional state mortgage-servicing overlay | Coverage and exemptions must be established; not every beneficiary or servicer is automatically covered. |\n| Enacted session laws and adopted WSR order | Amendment, effective-date, expiration, application evidence | A codified page title or webpage update does not establish a clause’s effective date. |\n| Commerce operational material | Program administration and discovery of current instructions | Cannot replace statutory scope or establish a named institution’s exemption. |\n| Federal texts actually read | Narrow incorporated definitions only | No complete federal servicing, bankruptcy, military, government-loan, or federal-lien conclusion is supplied. |\n\n**Sources:** S001, S009–S017, S021–S026; claims C001–C015, C023–C043, C044–C094 below.\n\n# 2. Source and usage register\n\nAll entries were accessed on **October 28, 2026, PDT**. Different sections or formats of the same instrument retain the same source ID.\n\n## 2.1 Principal codified instruments and indispensable incorporations\n\n| Source ID | Issuer/title and complete literal HTTPS URL | Actual read extent; edition/status; credits and application limits |\n| --- | --- | --- |\n| **S_WA-P8-S001** | Washington Legislature/Code Reviser, **Chapter 61.24 RCW—Deeds of trust**. [https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true](https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true&utm_source=chatgpt.com) | Complete current bodies of the sections listed in §2.2, including statutory notice forms and material notes. Current and future-effective bodies were distinguished. No claim of reading every chapter section or every incorporated title. Section-specific credits and original enactments appear below. |\n| **S_WA-P8-S002** | Washington Legislature, **RCW 6.21.050—Execution sale time/place provisions**. [https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050](https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050&utm_source=chatgpt.com) | Complete section read. Latest displayed credit: 2021 c 122 §12. Used only for the **hours** expressly incorporated by RCW 61.24.040(9); sheriff-sale scheduling and other execution procedures are not transferred to trustee sales. |\n| **S_WA-P8-S003** | Washington Legislature, **RCW 1.12.040—Computation of time**. [https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040](https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040&utm_source=chatgpt.com) | Complete section read; latest displayed credit 1997 c 125 §1. Generic first/last-day rule identified. Its application to every backward-counted foreclosure period is not adjudicated here. |\n| **S_WA-P8-S004** | Washington Legislature, **RCW 1.16.050—Legal holidays**. [https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050](https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050&utm_source=chatgpt.com) | Complete subsections (1)–(7) read. Displayed 2025 c 58 §1001 and 2025 c 30 §1 credits/merger material noted. No actual calendar calculation; no assertion that every commemorative day is a legal holiday. |\n| **S_WA-P8-S005** | Washington Legislature, **RCW 6.13.080—Homestead exceptions**. [https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080](https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080&utm_source=chatgpt.com) | Complete body read; **only subsection (2)** used to understand the express cross-reference in RCW 61.24.100(6). Latest credit 2021 c 290 §6. No P7 homestead findings imported or reconstructed. |\n| **S_WA-P8-S006** | Washington Legislature, **RCW 61.12.060—Judicial foreclosure/upset price**. [https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060](https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060&utm_source=chatgpt.com) | Complete section read; credit 1935 c 125 §1. Used only for the provision displaced by RCW 61.24.100(5) in its commercial-guarantor branch. Full judicial foreclosure remains open. |\n| **S_WA-P8-S007** | Washington Legislature, **RCW 62A.9A-604—Real-property and personal-property collateral; fixtures**. [https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604&utm_source=chatgpt.com) | Complete subsections (a)–(d) read; credit 2000 c 250 §9A-604. Bounded current gateway for the obsolete former RCW 62A.9-501(4) reference in .020. Article 9 attachment, perfection, priority, and fixture entitlement are not completed. |\n| **S_WA-P8-S008** | U.S. House Office of the Law Revision Counsel, **12 U.S.C. §461(b)(1)(A)**. [https://uscode.house.gov/us/usc/119-121/t12/s461/](https://uscode.house.gov/us/usc/119-121/t12/s461/?utm_source=chatgpt.com) | Complete incorporated paragraph (b)(1)(A) read. Displayed currency through Public Law 119-121, October 9, 2026. Its nested institutional definitions were not fully followed. Washington’s additional “federally insured” condition remains separate. |\n| **S_WA-P8-S020** | Washington Legislature/Code Reviser, **Chapter 61.24 RCW disposition table**. [https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24](https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24&utm_source=chatgpt.com) | Relevant entries read completely: .048 expired under 2023 c 206 §12; .173 and .174 repeal entries and savings references. This authenticates the displayed disposition, not the exact date of the assistance-program closure event. |\n| **S_WA-P8-S021** | Washington Department of Financial Institutions/Code Reviser, **Chapter 208-620 WAC—Consumer Loan Act rules**. [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com) | Complete bodies of the rules listed in §2.3 read. Latest credits vary by rule. No entire-chapter compliance conclusion. Current .930 body was successfully read through this ordinary full-chapter route after the individual-section route failed. |\n| **S_WA-P8-S022** | Washington Legislature, **Chapter 31.04 RCW—Consumer Loan Act**, relied-on section pages: [https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015&utm_source=chatgpt.com) ; [https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025&utm_source=chatgpt.com) ; [https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165&utm_source=chatgpt.com) ; [https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290&utm_source=chatgpt.com) | Complete bodies of these four sections read. Latest displayed credits respectively: 2018 c 62 §9; 2024 c 249 §2; 2018 c 62 §16; 2015 c 229 §35. Used for definitions, exemptions, rulemaking authority, and servicing duties—not a renewed provider-licensing report. |\n| **S_WA-P8-S025** | U.S. House Office of the Law Revision Counsel, **15 U.S.C. §1602**. [https://uscode.house.gov/us/usc/119-120/t15/s1602/](https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com) | Complete **(a) and (w)** read and relied on; displayed source/amendment notes inspected. Currency through Public Law 119-120, October 7, 2026. “Dwelling” incorporation only; not complete TILA/Regulation Z coverage. Later federal changes through access date were not exhaustively established. |\n\nThe official current bodies, rather than search-result titles, controlled the version selection. Several official page titles mention January 1, 2028 while also displaying a separate current body above the future text. [app.leg.wa.gov+4](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030&utm_source=chatgpt.com)\n\n## 2.2 S001 section-by-section usage, credits, and boundaries\n\nEach row retains **S_WA-P8-S001**; these are not new independent documents.\n\n| Complete section URL | Complete current read bounds and use | Latest displayed credit/material boundary |\n| --- | --- | --- |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005&utm_source=chatgpt.com) | All definitions; mortgage-role, property, commercial-loan, fair-value definitions used. Association definitions read but association-lien regime excluded. | Current 2025 c 393 §1; effective January 1, 2026, expires January 1, 2028. Future §7 separately identified. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008&utm_source=chatgpt.com) | Complete referral timing section, including differing amended-notice wording. | 2023 c 206 §1. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010) | Complete trustee eligibility, appointment, resignation, duty provisions and reviser notes. | 2012 c 185 §13. Old Title 30 and chapter 25.04 references expressly noted as recodified/repealed; replacement entity regimes not completed. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020) | Complete real-property-security, agricultural, mixed-collateral and recording provisions. | 1998 c 295 §3; 1985 application note read; obsolete UCC reference identified. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025) | Complete state SCRA incorporation. | 2004 c 161 §5. Federal incorporated act itself not fully read. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026&utm_source=chatgpt.com) | Complete conditional short-sale-response section and exclusions. | 2011 c 364 §1. Conditional fallback language is not treated as the current mediation-exemption rule. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030&utm_source=chatgpt.com) | Complete current (1)–(12), all notice contents, death/successor clauses, exceptions and notes. | Current 2025 c 119 §31; future 2024 c 321 §410 effective January 1, 2028. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031&utm_source=chatgpt.com) | Complete current (1)–(9), including blank declaration, scope, surrender exception and diligence. | Current 2021 c 151 §4; separate future 2028 text. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033&utm_source=chatgpt.com) | Complete model-language authority. | 2011 c 58 §16. Historical implementation deadline not used as a current borrower clock. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040&utm_source=chatgpt.com) | Complete current (1)–(14), statutory sale/foreclosure/tenant notices, mailing, publication, continuation, successor provisions. | 2023 c 206 §3; material 2018 c 306 §2 changes and renumbering noted. Future 2028 text kept separate. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042&utm_source=chatgpt.com) | Complete commercial-guarantor notice and consequence clauses. | 1998 c 295 §6; obsolete subsection cross-reference noted. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045&utm_source=chatgpt.com) | Complete request-for-notice provision. | 2018 c 306 §3. No actual request or recording examined. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050&utm_source=chatgpt.com) | Complete sale/deed/redemption and statutory rescission provisions; blank rescission form. | 2018 c 306 §4; original amendment read. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060&utm_source=chatgpt.com) | Complete section read; only bounded non-tenant possession gateway used. | 2009 c 292 §10. Tenant and unlawful-detainer incorporations remain open. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070&utm_source=chatgpt.com) | Complete bidding/payment provision. | 1998 c 295 §9. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080&utm_source=chatgpt.com) | Complete proceeds, expense cap, surplus deposit, notice and disbursement provisions. | 2014 c 107 §2. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090&utm_source=chatgpt.com) | Complete (1)–(7), including strict cutoff, expenses, fee review, reinstatement, subordinate advances and tender forms. | 1998 c 295 §11; original read. Reviser's note maps former .040(6) to current .040(10). |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100&utm_source=chatgpt.com) | Complete (1)–(12), all commercial/guarantor exceptions and historical-application clause. | 2021 c 290 §7; 1998 c 295 §12. Both material originals read. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110&utm_source=chatgpt.com) | Complete section read; only subsection (1) reconveyance gateway used. | 2013 c 114 §1. Separate release clocks are not relied on or rerun. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120&utm_source=chatgpt.com) | Complete preservation of other foreclosure provisions. | 1965 c 74 §12. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127&utm_source=chatgpt.com) | Complete damages/nonwaiver provision and owner-occupied/noncommercial restriction. | 2011 c 364 §2. Full CPA and judgment-lien incorporations held. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130&utm_source=chatgpt.com) | Complete restraint, notice, security/payment, dissolution/reset and bankruptcy-related state clauses. | 2018 c 306 §5; original read. Federal stay predicates not established. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135&utm_source=chatgpt.com) | Complete section read; subsections (1)–(2) used for collusion/contact/mediation boundaries. | 2023 c 206 §11. Surplus-locator contract regime in (3)–(4) excluded. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157&utm_source=chatgpt.com) | Complete current loan-closing funding-fee section read for boundary only. | 2026 c 156 §1; original fully read. Not a cure or trustee-sale expense authorization. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158&utm_source=chatgpt.com) | Complete administrative reporting section read; no separate substantive claim. | 2025 c 393 §10. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160&utm_source=chatgpt.com) | Complete counselor/contact/referral section. | 2023 c 206 §4. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163&utm_source=chatgpt.com) | Complete current (1)–(24). Mortgage clauses used; association-specific branches read but not developed. | 2025 c 393 §3, effective January 1, 2026. This section is not among the act’s sections expiring in 2028. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165&utm_source=chatgpt.com) | Complete current and displayed future scope provisions. | Current 2025 c 393 §4; future §6; material 2023 c 206 §6 and 2021 c 151 §6 changes checked. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166&utm_source=chatgpt.com) | Complete current and historical-year exemption branches, certification and retroactivity. | 2023 c 206 §7; original and emergency effective clause read. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169&utm_source=chatgpt.com) | Complete section read; mediator role and limited evidentiary use of certification used. | 2012 c 185 §7. No mediator selection or roster reviewed. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177&utm_source=chatgpt.com) | Complete pooling/servicing-duty provision. | 2011 c 58 §13. Does not independently establish an actual contractual duty. |\n| [https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190&utm_source=chatgpt.com) | Complete current funding/reporting and exemption provisions; future version distinguished. | 2023 c 206 §8; future association-reference changes identified. Borrower pass-through not inferred. |\n\n## 2.3 S021 rule usage and adopted-rule credits\n\nThe full-chapter URL in S021 is a direct readable source for every rule below. Individual section URLs are included where they were separately used.\n\n| Rule and direct URL | Actual complete read/use | Displayed amendment status |\n| --- | --- | --- |\n| WAC 208-620-010, at [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com) | Full definitions. Used: Act, business day, dwelling, and broad foreclosure-referral definition. | Latest WSR 22-24-048, effective December 31, 2022. |\n| WAC 208-620-011, same full-chapter URL | Full definitions/application of residential mortgage servicing, including master/subservicer and nonservicing-investor boundaries. | WSR 18-24-013, effective January 1, 2019. |\n| WAC 208-620-104, -230, -231, -232, same full-chapter URL | Full scope/exemption/waiver bodies read. Used to limit the servicing overlay; no entity license conclusion. | -104/-230: WSR 18-24-013; -231: WSR 18-16-024; -232: WSR 19-21-157. The -104 statutory subsection reference predates the 2024 renumbering. |\n| WAC 208-620-550. [https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550](https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550&utm_source=chatgpt.com) | Full rule read; subsection (1) payoff response used. Unrelated student-loan, general business, and reconveyance-clock subjects not developed. | WSR 19-21-157, effective November 24, 2019. |\n| WAC 208-620-551. [https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551](https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551&utm_source=chatgpt.com) | Full (1)–(9). Used for waivers, unauthorized charges, misapplication, referral and collection restrictions. Force-placed-insurance regime excluded from substantive conclusions. | WSR 18-16-024, effective September 1, 2018. |\n| WAC 208-620-567, at full-chapter URL | Full default-fee rule. | WSR 18-16-024. |\n| WAC 208-620-900, at full-chapter URL | Full transfer, crediting, suspense, assessment/notice, oversight provisions. | WSR 18-16-024. |\n| WAC 208-620-905, at full-chapter URL | Complete escrow rule read for boundary; no full escrow/insurance entitlement conclusion. | WSR 18-16-024. |\n| WAC 208-620-920, at full-chapter URL | Full information/error provisions, including both response tracks and fee limits. | WSR 18-16-024. |\n| WAC 208-620-930, at full-chapter URL | Full (1)–(9), including complete-application, sale-proximity, appeal, confirmation and short-sale-information clauses. Individual URL failure is separately logged. | WSR 18-16-024. |\n| WAC 208-620-935. [https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935](https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935&utm_source=chatgpt.com) | Complete pre-referral file-support and post-sale mailing rule. | WSR 18-16-024. |\n\nThe original adopted order was also read for the material servicing clauses; this is amendment authentication, not independent corroboration from a second format. [lawfilesext.leg.wa.gov+4](https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm?utm_source=chatgpt.com)\n\n## 2.4 Enacted originals, adopted order, and official administrative material\n\n| Source ID | Issuer/title and literal HTTPS URL | Actual read bounds; effective/application findings; limitations |\n| --- | --- | --- |\n| **S_WA-P8-S009** | Washington Legislature, **2025 c 393, SSB 5686**. [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1&utm_source=chatgpt.com) | Parsed text: complete §§1, 3, 4, 19–20; selected surrounding/future sections, including §7. §§19–20 at printed p.60/PDF index 60 read completely. Current relevant §§1–4 effective January 1, 2026; §§5–7 effective January 1, 2028. Expiration list includes §§1, 2, 4, but **not §3**. Not entire act. |\n| **S_WA-P8-S010** | Washington Legislature, **2025 c 119, SSB 5129**. [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31&utm_source=chatgpt.com) | Cover, substantial selected §31 text, and complete §§35–36 at printed p.82/index 82. Cover effective July 27, 2025; §31 expires January 1, 2028. **Original §31 was not read continuously in its entirety**; current codified .030 was. |\n| **S_WA-P8-S011** | Washington Legislature, **2024 c 321, SSB 5796**. [https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410](https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410&utm_source=chatgpt.com) | Selected §410 opening; complete §512, printed p.196/index 196. §§401–432 effective January 1, 2028. Full future association-law consolidation not audited. |\n| **S_WA-P8-S012** | Washington Legislature, **2023 c 206, SHB 1349**. [https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4](https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4&utm_source=chatgpt.com) | Complete §§1, 6–9, 12–13; selected §2. §7 at printed p.30/index 30; §§12–13 at pp.35–36/indexes 35–36. General effective July 23, 2023; §§7–9, 12 effective May 1, 2023. §7 expressly retroactive to January 1, 2023. Historical HAF pause and its closure-based expiration read. |\n| **S_WA-P8-S013** | Washington Legislature, **2021 c 151, SHB 1108**. [https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2](https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2&utm_source=chatgpt.com) | Selected §4; complete §6 and §§13–17. Relevant immediate provisions effective May 3, 2021; other listed provisions January 1, 2022; repeal/savings provisions June 30, 2023. Not a complete historic regime reconstruction. |\n| **S_WA-P8-S014** | Washington Legislature, **2021 c 290, SSB 5408**. [https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7](https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7&utm_source=chatgpt.com) | Complete §7, printed pp.5–7/indexes 5–7; §8 emergency clause and approval material. Effective May 12, 2021. Authenticates the specific fixed $125,000 guarantor-residence provision. Historical retroactive application not assumed. |\n| **S_WA-P8-S015** | Washington Legislature, **2018 c 306, SSB 2057**. [https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1](https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1&utm_source=chatgpt.com) | Cover; selected §1; complete §§4–5, printed pp.20–24/indexes 20–24; end material. Effective June 7, 2018. Used for holder-wording amendment and complete rescission/restraint amendments; not entire act. |\n| **S_WA-P8-S016** | Washington Legislature, **1998 c 295, SSB 6191**. [https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12](https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12&utm_source=chatgpt.com) | Complete §§11–12, printed pp.19–23/indexes 19–23; cover/end. Effective June 11, 1998. Stricken former obligation-satisfaction language was distinguished from enacted text. Pre-1998 law not reconstructed. |\n| **S_WA-P8-S017** | Washington Legislature, **1985 c 193**. [https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3](https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3&utm_source=chatgpt.com) | Complete §5 application clause, PDF index 10; other selected text. Current codified note identifies July 28, 1985. Exact §5 is the pinpoint; no unverified printed-page number supplied. Applies to notices of default issued **after** the effective date. |\n| **S_WA-P8-S018** | Washington Commerce, **Foreclosure Fairness Program**. [https://www.commerce.wa.gov/homeownership/foreclosure-fairness/](https://www.commerce.wa.gov/homeownership/foreclosure-fairness/?utm_source=chatgpt.com) | Generic program body, FAQ/referral and fee-sharing statements read. Displayed page update July 21, 2026 is **not** a legal effective date. Current guidelines link discovered; linked document inaccessible. No exemption roster or provider examined. |\n| **S_WA-P8-S019** | Washington Commerce, **Foreclosure Fairness Program Guidelines, May 1, 2016**. [https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf](https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf?utm_source=chatgpt.com) | Cover and fee/scheduling material, printed pp.27–29/PDF indexes 31–33, read. **Historical official guidance**, not current fee authorization. |\n| **S_WA-P8-S023** | Washington DFI, **WSR 18-16-024, permanent rules**. [https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm](https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm?utm_source=chatgpt.com) | Header, adoption/authority statement and complete amendments to -551, -567, -900, -905, -920, -930, -935 read; selected definitions. Adopted/filed July 24, 2018; effective September 1, 2018. Header expressly identifies the information-response change from 15 to 30 business days. |\n| **S_WA-P8-S024** | Washington Legislature, **2024 c 249, SSB 6025**. [https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm](https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com) | Complete act §§1–5 read; §§2 and 5 relied on. Effective June 6, 2024. Prospective application; pre-effective-date loans excluded unless renegotiated or modified after that date. |\n| **S_WA-P8-S026** | Washington Legislature, **2026 c 156, SSB 5938**. [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1&utm_source=chatgpt.com) | Complete cover, §1 and end, printed pp.1–3/PDF indexes 1–3. Effective June 11, 2026. Amends the loan-closing funding fee/exclusions; does not supply a cure charge. |\n| **S_WA-P8-S027** | Washington Legislature/Code Reviser, **2026 RCW Sections Affected table**. [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf?utm_source=chatgpt.com) | Relevant Title 61 row, printed p.10/PDF index 9, and relevant searches read. Dated April 2, 2026; discovery/version cross-check only. Led to S026. It is not operative law or proof of absence of later changes. |\n\n# 3. Substantive findings and atomic claim register\n\nThe following tables supply the substantive answers. Each assertion is bounded by the cited clauses and qualifications.\n\n## 3.1 Framework, roles, property, and scope — question 1\n\n| Claim ID | Precise assertion | Sources/pinpoints; conditions and limits |\n| --- | --- | --- |\n| **S_WA-P8-C001** | A deed of trust within .020 conveys real property to secure performance of an obligation and may use the chapter’s trustee-sale route. Mortgage law otherwise applies except as the chapter provides. | S001 §.020, complete section. Security, obligation validity and sale prerequisites remain separate. |\n| **S_WA-P8-C002** | The chapter defines beneficiary by **holding the instrument or document evidencing the secured obligation**, excluding a person holding it as security for a different obligation. | S001 §.005(4). Recorded designation alone is not examined here as proof of holding. |\n| **S_WA-P8-C003** | Borrower, grantor and guarantor are distinct statutory roles: liability on the principal obligation; encumbering an interest; and a nonborrower’s separate written guaranty, respectively. | S001 §.005(5), (9), (10). The borrower definition includes specified general-partner and written-successor-liability branches. No actual agency or liability is inferred. |\n| **S_WA-P8-C004** | “Commercial loan” turns on primary purpose other than personal, family or household use. “Owner-occupied” means the borrower’s principal residence. The general residential definition and express “up to four units” clauses must be read separately. | S001 §.005(6), (13), (16); §§.030, .031, .165. A residential building does not by itself settle commercial-purpose classification. |\n| **S_WA-P8-C005** | Trustee eligibility is restricted to the categories in .010(1): qualifying domestic entities, authorized title insurers/licensed title agents, qualifying Washington attorneys and attorney entities, a U.S. agency/instrumentality, or specified federally chartered banking institutions. | S001 §.010(1)(a)–(f). The domestic-entity branch includes a Washington-resident-officer condition. Incorporated entity/licensing statutes and obsolete references are held; no actual trustee qualification is established. |\n| **S_WA-P8-C006** | A successor trustee receives the chapter’s trustee powers through the beneficiary’s appointment **recorded in every county where the deed of trust is recorded**. Resignation has its own written-notice and recording requirements. | S001 §.010(2). Merely using the label “successor trustee” does not establish this predicate. |\n| **S_WA-P8-C007** | The statute disclaims a trustee fiduciary duty to the grantor or other interested persons, while expressly imposing good faith toward borrower, beneficiary and grantor. | S001 §.010(3)–(4). These are separate clauses; neither eliminates the other. |\n| **S_WA-P8-C008** | Sale prerequisites include a power of sale, an activating default under the secured obligation or grantor covenant, county recording, and the trustee’s required Washington physical address/presence/telephone throughout the specified period. | S001 §.030(1), (3), (5)–(6). None establishes debt validity or actual compliance. |\n| **S_WA-P8-C009** | If the deed’s required nonagricultural-use statement is false both when granted or amended to include it **and** at sale, judicial foreclosure is required. | S001 §.030(2). Agricultural production includes crops, livestock or aquatic goods. No property-use classification is made. |\n| **S_WA-P8-C010** | A pending beneficiary action seeking satisfaction generally prevents this trustee-sale route, subject to the receiver/property-preservation and commercial-other-collateral exceptions stated in .030(4). | S001 §.030(4). The incorporated homestead/rents branch is identified but not completed. |\n| **S_WA-P8-C011** | For residential property up to four units, the trustee must have holder proof before recording, transmitting or serving the sale notice. A beneficiary declaration under penalty of perjury is statutorily sufficient, with reliance conditioned on the trustee’s good-faith duty. | S001 §.030(7). This is a procedural proof provision, not a finding that an actual declaration is true. Association exceptions are separate. |\n| **S_WA-P8-C012** | The state servicing overlay depends on Consumer Loan Act scope: residential mortgage purpose/security, servicing activity, and statutory/rule coverage, including specified Washington-resident/property connections. | S022 §§31.04.015(13), (24), (25), (29), .025; S021 -011, -230, -231. Investor ownership without servicing activity is not automatically the regulated servicing role. |\n| **S_WA-P8-C013** | CLA exemptions are conditional, including specified banking-law activities, public/qualified housing programs and other categories. The business/commercial/agricultural exclusion does not extend as written to loans secured by the borrower’s primary dwelling. Exemption/preemption is not presumed. | S022 §31.04.025(4)–(6); S024 §§2, 5. A licensing waiver is not treated as a waiver of every substantive duty. The 2024 amendment has an express prospective-application limitation. |\n| **S_WA-P8-C014** | Mixed real/personal collateral requires a separate UCC branch. The current .9A-604 text permits specified personal-property-only or real-property-route treatment, but does not establish attachment, perfection or priority. | S001 §.020 and reviser note; S007 §62A.9A-604(a)–(d). Former .9-501(4) is not treated as current operative text. |\n| **S_WA-P8-C015** | Judicial mortgage foreclosure remains a statutory alternative, and .100 expressly says its deficiency section does not apply to that foreclosure. | S001 §§.100(8), .120. No conclusion follows about the full judicial route’s deficiency, execution or redemption rules. |\n\nThe operative agricultural, holder-proof and recording prerequisites were read in the current body, despite the official page’s future-version title. [apps.leg.wa.gov+4](https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true&utm_source=chatgpt.com)\n\n## 3.2 Residential contact, default notice, successors and mediation — question 2\n\n| Claim ID | Precise assertion | Sources/pinpoints; conditions and limits |\n| --- | --- | --- |\n| **S_WA-P8-C016** | Section .031’s contact regime applies to its recorded residential-up-to-four-unit category, with commercial-loan, specified third-party-grantor, seller-financed and listed association exclusions. Its contact/diligence subsections also have a written-surrender/key-delivery exception. | S001 §.031(6)–(8). The seller-finance definition is statutory; an ordinary servicer label is not an exemption. |\n| **S_WA-P8-C017** | Due diligence requires the specified initial dual-mail letter, telephone attempts, conditional follow-up certified letter, live contact availability and website information if a website exists. Telephone contact does not itself constitute the statutory meeting. | S001 §.031(1)(b)–(c), (5)(a)–(e). Exact quantities are Q03–Q05. Disconnected-number and live-representative qualifications remain. |\n| **S_WA-P8-C018** | The statute uses different contact timing formulations: satisfaction of due diligence, initiation of initial contact, deemed contact after sending, and the letter’s own date. They are not collapsed into one universal default-notice date. | S001 §.031(1)(a), (c)–(d), (4). **Textual interaction held**, B06. |\n| **S_WA-P8-C019** | A requested meeting must precede the default notice and address ability/options. Telephone is permitted unless a timely written in-person request is made; county location and resolution-authority conditions apply. An offered workout requires borrower approval. | S001 §.031(1)(e)–(f), (3)–(4). No compelled modification or agreement follows. |\n| **S_WA-P8-C020** | The default notice and, for the covered residential category, holder declaration have dual-mail plus posting-or-personal-service requirements before the sale notice. Required contents include alleged default, itemized arrears/charges, reinstatement total, court recourse, role/contact information and applicable mediation language. | S001 §.030(8)(a)–(m), (9); §.031(2), (9). Sending, posting, personal service and receipt are not interchangeable. |\n| **S_WA-P8-C021** | Known death and a pre-sale-notice written successor claim activate additional notice/document-request/information duties. Timely proof can establish treatment under the section, but the statute does not require assumption or modification approval. | S001 §.030(10)–(11), complete clauses. Probate/intestacy and actual title are held. |\n| **S_WA-P8-C022** | A successor claim after sale-notice recording has a different response and information timetable; the trustee **may** postpone in the stated circumstances. | S001 §.040(7). The permissive postponement is not converted into an automatic stay. |\n| **S_WA-P8-C023** | Current mortgage mediation scope is recorded residential property up to four units, subject to .165(2)’s exclusions, including commercial, specified nonborrower/nonguarantor grantor, seller-finance and entity-grantor/entity-vesting branches. Current successor/dissolution provisions do not impose the former occupancy wording or an assumption duty. | S001 §.165(1)–(2), (4)–(5); S012 §6; S013 §6; S009 §4. Association mediation is a separate branch. |\n| **S_WA-P8-C024** | The institutional mediation exemption requires the specified federally insured depository category and annual perjury certification tied to no more than 250 qualifying Washington trustee sales in the preceding calendar year. | S001 §.166(1); S008 §461(b)(1)(A); S012 §7. It is not a blanket exemption for all servicers or all small beneficiaries. Nested federal institutional definitions remain held. |\n| **S_WA-P8-C025** | Mortgage mediation requires referral by a housing counselor or attorney within the statutory window, or later written voluntary agreement. The principal amended-notice rule expressly concerns a notice after a .130 stay; .008(3) uses broader wording. | S001 §§.008(2)–(3), .160(3), .163(1)–(5). No borrower self-referral or universal amended-notice reset is inferred. |\n| **S_WA-P8-C026** | The borrower’s mediation document package includes financial information, tax returns, hardship information and applicable program information, transmitted to mediator and beneficiary on the statutory timetable. | S001 §.163(6)(a). Only the public categories were read; no worksheet or private information was obtained. |\n| **S_WA-P8-C027** | The beneficiary’s package includes note/deed, balance and payment information, charges, note-ownership proof, valuation, modification-denial explanation, relevant NPV inputs and claimed investor restrictions/waiver efforts. | S001 §.163(6)(b)(i)–(x). The section says ownership proof and permits the .030 holder declaration as sufficient proof; that wording is preserved rather than silently equated. |\n| **S_WA-P8-C028** | Mediation has a department-notice, scheduling, advance-notice, attendance/authority and continuance framework. An agreed scheduling extension requires notice to the trustee of the expected certification date. | S001 §.163(5), (8)–(10). In-person attendance and remote resolution authority are distinct permissions. |\n| **S_WA-P8-C029** | Good-faith obligations include timely participation, documents and adequate settlement authority. Conditioning modification on waiver of future claims is listed as potential bad faith, subject to the express TILA-rescission and pending-claim qualifications. | S001 §.163(13)(a)–(d). No complete TILA rescission or waiver-enforceability analysis follows. |\n| **S_WA-P8-C030** | The mediator issues the specified certification after conclusion. A reasonable belief that the borrower will not attend permits the separate cancellation/notification route. Neither event adjudicates all foreclosure prerequisites. | S001 §.163(14)–(16), (18). “May proceed” remains subject to other applicable requirements. |\n| **S_WA-P8-C031** | A pre-recording referral generally prevents sale-notice recording until certification, with the stated late-certification fallback. A referral after recording prevents the sale until certification; that clause does not contain the same fallback. | S001 §.163(19)(a)–(b). Exact timing in Q13. |\n| **S_WA-P8-C032** | Beneficiary bad-faith certification supplies a rebuttable defense to the present nonjudicial foreclosure. The stated favorable-NPV/no-affordable-offer condition supplies a basis for injunction. Neither mandates a loan modification. | S001 §.163(17). Judicial foreclosure and a later foreclosure following an agreed modification and later default are expressly distinguished. |\n| **S_WA-P8-C033** | The codified mediation fee is an overrideable default, with equal party shares and a payment timetable. The actual currently authorized administrative amount remains unverified. | S001 §.163(20); S018; historical S019. Current Box guideline route failed; historical authorization is not carried forward. |\n| **S_WA-P8-C034** | The mediator has statutory qualifications/approval and a limited role. Certification and specified materials may be admissible subject to court rules; they are not automatically adjudicated facts. | S001 §.169, complete section. No mediator or court-record inquiry was performed. |\n| **S_WA-P8-C035** | The conditional owner-occupied short-sale-offer provision requires a senior beneficiary response to a qualifying pre-default-notice written offer, but preserves its choice and expressly does not change the chapter’s foreclosure periods. | S001 §.026(1)–(6). Exclusions include commercial, specified third-party-grantor, seller-financed and mediation-exempt-beneficiary branches. |\n| **S_WA-P8-C036** | Section .177 addresses an existing servicer duty under a pooling/servicing agreement and specified default/imminent-default and NPV conditions. | S001 §.177. It does not establish that every servicer has such an agreement or an unconditional duty to modify. |\n\nThe current scope and institution-exemption provisions were read in full, including the historical 2023 branch and the current annual-certification branch. [app.leg.wa.gov+5](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165&utm_source=chatgpt.com)\n\n## 3.3 State servicing and loss-mitigation interfaces — questions 2–3\n\nThese claims apply only after the S022/S021 coverage predicates are established.\n\n| Claim ID | Precise assertion | Sources/pinpoints; conditions and limits |\n| --- | --- | --- |\n| **S_WA-P8-C037** | The rule’s foreclosure-referral definition reaches steps in furtherance of foreclosure, not merely delivery to an outside trustee. Rule -551(4) prohibits referral after receipt of a modification application until evaluation for all available modifications; that subsection does not use “complete.” | S021 -010(38), -551(4). No actual application or internal status was examined. |\n| **S_WA-P8-C038** | Rule -551(6) separately prohibits collection activity while a **complete** modification application is under review or while payments are being made under a trial/permanent modification, including activity by others on the servicer’s behalf. | S021 -551(6); S023 adopted text. Completeness and performance are predicates, not assumed facts. |\n| **S_WA-P8-C039** | The state modification rule supplies status-access, determination, deficiency-notice/correction and denial-explanation requirements for its applicable program branch. | S021 -930(1), (2)(a)–(f). Conditional HAMP/GSE references do not establish current federal-program availability. |\n| **S_WA-P8-C040** | The rule distinguishes complete applications received before the 37-day point and those submitted between the 37- and 15-day points, with review/offer-response and suspension provisions. | S021 -930(2)(f)–(i). Exact equality boundaries, applications closer to sale, and interaction with -551 remain held; no permission to foreclose is inferred from silence. |\n| **S_WA-P8-C041** | The rule provides an appeal process with stated exclusions, response timing, and written modification/forbearance confirmation duties. | S021 -930(3)–(5). No guaranteed approval follows from a procedural right. |\n| **S_WA-P8-C042** | A servicing transfer must preserve specified pending modification work and existing trial/permanent agreements under the state rule, with an express state/GSE-program-conflict qualification. | S021 -900(2). Transfer does not itself establish modification approval or cure. |\n| **S_WA-P8-C043** | Before referral, the servicer’s file must support default, foreclosure rights and ownership; after a completed foreclosure sale, the rule requires a separate borrower mailing. | S021 -935(1)–(2). File contents are a requirement, not proof that an actual foreclosure is lawful. |\n\nThese are state rules, not borrowed federal Regulation X deadlines. The original permanent order was read, including its effective date. [app.leg.wa.gov+4](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-551&utm_source=chatgpt.com)\n\n## 3.4 Cure, reinstatement, tender, expenses and information — question 3\n\n| Claim ID | Precise assertion | Sources/pinpoints; conditions and limits |\n| --- | --- | --- |\n| **S_WA-P8-C044** | The statutory reinstatement mechanism is available to the listed borrower, grantor, guarantor, subordinate deed-of-trust beneficiary and recorded subordinate lien/encumbrance holder. | S001 §.090(1). No actual actor’s standing is established. |\n| **S_WA-P8-C045** | The operative cure subsection uses a strict “prior to” eleventh-day formulation; statutory notices use inclusive “on or before” wording. The exact boundary is held rather than resolved favorably. | S001 §§.090(1), .040(2)(d), (4); S016 §11. B16. |\n| **S_WA-P8-C046** | Monetary cure consists of amounts then due excluding principal that would not yet be due absent default, plus the specified actual enforcement expenses and reasonable fees. | S001 §.090(1)(a)–(b). Naturally matured principal is not automatically excluded; not a universal arrears-only rule. |\n| **S_WA-P8-C047** | A person entitled to discontinue may seek a fee-reasonableness determination in a court with jurisdiction other than small claims. That fee action does not itself forestall or invalidate the sale. | S001 §.090(2). Possible prevailing-party costs/fees are discretionary statutory language, not an actual award. |\n| **S_WA-P8-C048** | Qualifying cure results in discontinuance and reinstatement as though acceleration had not occurred; nonmonetary default and recording/tender requirements remain separately stated. | S001 §.090(3)–(4), (6)–(7). Cure does not erase the underlying obligation. |\n| **S_WA-P8-C049** | A recorded subordinate lienholder curing under .090 may add the authorized advances, specified interest and enforcement expenses to its lien. | S001 §.090(5). No priority or actual secured amount is adjudicated. |\n| **S_WA-P8-C050** | The statutory notice describes a later, pre-sale discontinuance route requiring the secured principal, interest, costs/fees/advances and cure of other defaults, rather than only the unaccelerated arrears. | S001 §.040(2)(d), (4), read with .090. It is not a universal tender rule overriding every other legal dependency. |\n| **S_WA-P8-C051** | The trustee’s statutory written reinstatement/payoff-response requirement and the covered servicer’s payoff-response rule have different actors and units. | S001 §.040(4); S021 -550(1). Q28. |\n| **S_WA-P8-C052** | Covered servicing fees require the stated authorization and default-service reasonableness; third-party charges may not exceed actual payment. Rules also prohibit specified unagreed charges and use of suspense funds for the servicer’s own fees. | S021 -567; -551(1)(d), (3)(c), (5). This is not a dollar tariff for all trustee expenses. |\n| **S_WA-P8-C053** | Statute and rule impose fee-assessment and mailed-explanation timing, with the statement alternative where stated. | S022 §31.04.290(1)(a); S021 -900(3)(e). Q29. |\n| **S_WA-P8-C054** | Payment crediting and suspense treatment have specific receipt, information, timing and full-payment conditions; they are not equivalent to statutory reinstatement. | S022 §31.04.290(1)(b); S021 -900(3)(a)–(d). Written-hold and bankruptcy-order qualifications are not extended beyond their text. |\n| **S_WA-P8-C055** | The statute requires its general information statement within 15 business days; the regulation states 30 business days or the specified program timeline. A separate detailed-document track states 15 business days and limited repeat-request charges. | S022 §31.04.290(1)(d), (2); S021 -920(1)–(5); S023. **No permission to use the longer period is inferred.** Both texts also require correction/refund of identified servicing errors. |\n\nThe cure wording and fee-review limitation are explicit in the full current section and the enacted 1998 amendment. [app.leg.wa.gov+4](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090&utm_source=chatgpt.com)\n\n## 3.5 Sale setting, continuation, restraint, completion, rescission and proceeds — question 4\n\n| Claim ID | Precise assertion | Sources/pinpoints; conditions and limits |\n| --- | --- | --- |\n| **S_WA-P8-C056** | The sale-notice lead time depends on whether the .031 letter is required, and a separate default-to-sale minimum also applies. | S001 §.040(1), (12). These are cumulative predicates, not alternative universal sale dates. |\n| **S_WA-P8-C057** | Sale-notice recording, dual mailing, recipient selection and occupant posting/service are separate statutory acts. Recipient categories include specified recorded interests, requesters and occupants, subject to the statute’s knowledge/address and foreclosure-interest qualifications. | S001 §.040(1)(a)–(e), (14); §.045. A recording or one mailing alone is not full compliance. |\n| **S_WA-P8-C058** | Notice of default, notice of trustee’s sale and notice of foreclosure have different content and delivery functions. The foreclosure notice includes the specified note/deed material. A beneficiary/servicing transfer alone does not require a new sale notice under .040(2). | S001 §§.030(8), .040(2)–(4). Other transfer duties remain; no actual notice is approved. |\n| **S_WA-P8-C059** | Publication has two specified sale-relative windows; unknown-heir notice has an additional conditional publication route. | S001 §.040(5)–(6). The heir route requires its diligence/successor predicates. |\n| **S_WA-P8-C060** | The sale is a public auction at a designated public place in the property’s county, on the stated weekday/holiday rule and during incorporated hours. | S001 §.040(8)–(9); S002 §6.21.050(1), hours only. No actual scheduling permission. |\n| **S_WA-P8-C061** | Property may be offered whole or in parcels; the trustee cannot bid. Beneficiary credit bidding is limited to the secured monetary obligation, with excess payable as specified; other bidders’ payment forms are separately stated. | S001 §§.040(8), .070. No bid, title or distribution is calculated. |\n| **S_WA-P8-C062** | Discretionary continuances under .040(10) have an aggregate limit and alternative proclamation/mail or notice/publication mechanisms. | S001 §.040(10)(a)–(b). Neither unlimited extensions nor one universal notice period is established. |\n| **S_WA-P8-C063** | Specified interested persons may seek court restraint on proper legal or equitable grounds, with statutory advance notice and proof-of-service requirements. | S001 §.130(1)–(2). This is a generic statutory remedy gateway, not advice to file or a finding that relief is available. |\n| **S_WA-P8-C064** | Court restraint may require recurring payments/security under the section, with distinct treatment of periodic-payment, fully matured and nonmonetary defaults and consideration of equity. | S001 §.130(1)(a)–(c). No required payment amount is supplied. |\n| **S_WA-P8-C065** | Dissolution of an injunction and the specified bankruptcy-stay event have separate new-setting/notice provisions; a properly continued sale may instead use the statute’s stated alternative. | S001 §.130(3)–(6). Continuing a date is not permission to conduct a sale during a stay. Federal predicates remain held. |\n| **S_WA-P8-C066** | Physical delivery of the deed conveys the described grantor interests. The accepted bid is final as of acceptance if the deed is recorded within the stated period, subject to statutory rescission; the state section supplies no post-sale redemption right. | S001 §.050(1)–(2). Federal or other independent rights are not resolved. |\n| **S_WA-P8-C067** | The authorized trustee/beneficiary/agent may void a sale within the specified period for the listed process-error, prior loss-mitigation agreement, or accepted full-cure/satisfaction grounds. | S001 §.050(2)(a). This is discretionary statutory authority, not an automatic borrower reversal right. |\n| **S_WA-P8-C068** | Statutory rescission has separate refund and dual-mail notice clocks. The specified error/agreement grounds permit a reset only with the new minimum date and notice/publication conditions. | S001 §.050(2)(b)–(d). The accepted-cure ground is not silently added to the reset authorization. |\n| **S_WA-P8-C069** | Trustee-deed recitals have the stated evidentiary effect, including protection of qualifying bona fide purchasers. An interest whose holder did not receive required notice is not affected as specified by .040(11). | S001 §.040(11). No actual purchaser status, title priority or universal cure of defects is established. |\n| **S_WA-P8-C070** | Sale proceeds first pay authorized sale expenses, subject to the stated aggregate reasonableness benchmark for trustee/attorney fees, then the secured obligation. | S001 §.080(1)–(2). This distribution fee benchmark is distinct from .090 reinstatement expenses. |\n| **S_WA-P8-C071** | Remaining proceeds follow the clerk-deposit, notice and court-disbursement process. Eliminated liens attach to surplus in court-determined priority; surplus is not automatically payable entirely to the borrower. | S001 §.080(3). Motion notice and hearing period appear in Q41. |\n| **S_WA-P8-C072** | The section states a conditional twentieth-day possession gateway against specified non-tenant occupants/interests after required notices. | S001 §.060(1). Tenant rights and chapter 59.12 procedure remain open; no eviction or possession instruction follows. |\n| **S_WA-P8-C073** | Reconveyance under .110(1) has its own written-request/satisfaction conditions. A deficiency bar, cure, discontinuance and reconveyance are not treated as interchangeable events. | S001 §.110(1). Separate release clocks are excluded. |\n| **S_WA-P8-C074** | Former .048’s homeowner-assistance-program postponement regime is officially marked expired under the enacted closure-based expiration clause. | S020 disposition entry; S012 §§9, 12–13. Exact program-closure/expiration date and required written notice were not authenticated; the old pause is not presented as current. |\n\nThe sale, continuation, rescission and restraint mechanisms were read as separate operative clauses. [app.leg.wa.gov+5](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040&utm_source=chatgpt.com)\n\n## 3.6 Deficiency, guarantor, waiver and remedy boundaries — question 5\n\n| Claim ID | Precise assertion | Sources/pinpoints; conditions and limits |\n| --- | --- | --- |\n| **S_WA-P8-C075** | After a trustee sale under the deed of trust, deficiency judgment on its secured obligations against borrower, grantor or guarantor is barred except to the extent .100 permits for commercial loans. | S001 §.100(1). This is tied to the obligation secured by the deed actually sold under. |\n| **S_WA-P8-C076** | The chapter preserves an action on liability before sale notice or after discontinuance, and permits later foreclosure after completion or dismissal of that action, subject to other requirements. | S001 §.100(2). No actual enforcement election is made. |\n| **S_WA-P8-C077** | The post-1998 commercial borrower/grantor exception is limited by beneficiary/affiliate purchase, fair-value shortfall, timely notice and specified waste/wrongfully retained proceeds; it excludes the borrower’s principal residence at sale. | S001 §.100(3)(a). It is not a general commercial-borrower shortfall remedy. |\n| **S_WA-P8-C078** | A commercial guarantor deficiency branch requires timely .042 notice and the other .100 conditions. Omission of that special notice does not itself invalidate other notices or the trustee sale. | S001 §§.100(3)(c), .042, complete sections. |\n| **S_WA-P8-C079** | The specified commercial deficiency actions have a one-year sale-based period, qualified by later written agreement after foreclosure notice and statutory prohibition periods; multiple qualifying sales use the last sale. | S001 §.100(4). This is the route-specific clause only; no P3 limitations analysis or actual deadline is supplied. |\n| **S_WA-P8-C080** | The commercial-guarantor fair-value mechanism is adjudicative and uses the statutory deduction relation, contractual interest and authorized costs. Fair value has a sale-date, prior-encumbrance and market-exposure definition. | S001 §§.005(8), .100(5); S006. Symbolic relation in Q44; not a bid-price-only calculation. |\n| **S_WA-P8-C081** | Commercial other-collateral enforcement is preserved; if other security is sold before guarantor deficiency judgment, its fair value is added under the specified valuation rule. | S001 §.100(3)(b), (5). Full collateral priority and enforcement regimes remain open. |\n| **S_WA-P8-C082** | A guarantor who gives a deed of trust securing its commercial guaranty has the narrower stated liability branch; if that deed encumbers the guarantor’s principal residence, the statute provides up to **$125,000** from the accepted bid before application to the guaranty obligation. | S001 §.100(6); S005 §6.13.080(2); S014 §7. This fixed provision is not replaced by a county-based homestead figure. |\n| **S_WA-P8-C083** | Acceptance of a deed in lieu under a commercial-loan deed of trust exonerates the guarantor except to the extent the guarantor agrees otherwise as part of that transaction. | S001 §.100(7). No actual agreement or transaction is examined. |\n| **S_WA-P8-C084** | Express contract language may prohibit recovery of some or all commercial deficiency after trustee sale. | S001 §.100(9). No waiver or contract term is presumed. |\n| **S_WA-P8-C085** | The commercial trustee-sale rule does not preclude enforcement of an obligation, or its substantial equivalent, that was not secured by the foreclosed deed of trust. | S001 §.100(10). Whether an obligation is genuinely separate remains held. |\n| **S_WA-P8-C086** | Unless otherwise agreed, a trustee sale does not impair the guarantor’s specified reimbursement right against borrower or grantor. | S001 §.100(11). No actual reimbursement entitlement is decided. |\n| **S_WA-P8-C087** | Section .100 preserves prior law for the stated commercial instruments/guaranties executed before June 11, 1998; the affirmative exception uses “after” that date. | S001 §.100(3), (12); S016 §12. The exact-date boundary and complete prior regime remain held. |\n| **S_WA-P8-C088** | For its owner-occupied, noncommercial scope, .127 preserves specified damages claims despite failure to enjoin, but limits the route to monetary relief and the earlier stated filing period; it does not authorize title invalidation through that section. | S001 §.127(1)–(4). Full claim elements, CPA remedies and judicial construction remain open. |\n| **S_WA-P8-C089** | Section .135(1) addresses specified bid collusion and permits the trustee to decline completion/delivery and refund under its stated concerns, with express exceptions. | S001 §.135(1)(a)–(d). Ordinary as-is statements, specified financing and good-faith agreements are not automatically collusion. |\n| **S_WA-P8-C090** | The statute identifies specified mediation/contact/funding violations as CPA violations, but that designation is not an adjudication of all private-remedy elements or an automatic completed-sale reversal. | S001 §.135(2). Obsolete .173/.174 references are not treated as current duties. |\n\nThe complete deficiency section, including its exceptions and historical application clause, was read. The 2021 and 1998 originals were used to distinguish enacted changes from stricken historical text. [app.leg.wa.gov+4](https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100&utm_source=chatgpt.com)\n\n## 3.7 Version, funding and counting claims — questions 6–7\n\n| Claim ID | Precise assertion | Sources/pinpoints; conditions and limits |\n| --- | --- | --- |\n| **S_WA-P8-C091** | The relevant 2025 amendments have distinct January 1, 2026 current and January 1, 2028 future/expiration branches. Future wording was not substituted for the current body. | S009 §§19–20; S010 §§35–36; S011 §512. Full future association-law coverage is excluded. |\n| **S_WA-P8-C092** | The .190 funding exemption uses a **different event and strict threshold** from the .166 mediation exemption; its reporting/payment duty is not a borrower cure charge. | S001 §.190(1)–(4); S012 §8. Notices of default and completed trustee sales are not interchangeable counts. |\n| **S_WA-P8-C093** | The 2026 amendment concerns .157’s loan-closing funding fee and its exclusions; it does not create a foreclosure reinstatement fee. | S026 §1, effective June 11, 2026; S001 §.157. Incorporated public-financing-program eligibility remains outside this pass. |\n| **S_WA-P8-C094** | The generic RCW computation rule and the WAC business-day definition have different scopes. Neither supports an invented universal foreclosure calendar convention. | S003; S004; S021 -010(7). Backward counting, special statutory language and court-rule interaction remain held where not resolved by the read text. |\n\n# 4. Complete relied-on quantities, relations and trigger register\n\nThis register records the quantities actually used in the findings. It does **not** populate any loan, property, date or financial input.\n\nFor unqualified “days,” the source’s own wording is preserved. S003’s general rule is identified separately; it is not silently applied to every backward-counted interval.\n\n## 4.1 Scope, contact, notice and mediation\n\n| ID | Quantity/base and source-stated relation | Actor/reference event; strict/inclusive boundary; exception/counting limit | Claims/source |\n| --- | --- | --- | --- |\n| **Q01** | **Up to four residential units** in the express residential branches; .040’s occupant-notice branch uses **fewer than five units**. | These are property-category boundaries, not proof of occupancy or consumer purpose. General .005 residential definition remains distinct. | C004, C011, C016, C023, C057; S001 §§.005, .030, .031, .040(1), .165. |\n| **Q02** | Domestic trustee entity branch: **at least one officer resident in Washington**. | Only that eligibility branch; does not replace incorporated entity-law conditions. | C005; S001 §.010(1)(a). |\n| **Q03** | Initial statutory paragraph: **no less than 12-point**, bold; at least **three telephone attempts**, at different hours/on different days; follow-up after **14 d** of no response following completion of call requirements. | Beneficiary/authorized agent. Disconnected-number/live-representative qualifications apply. Contact calls are not the meeting. | C017; S001 §.031(1)(c), (5). |\n| **Q04** | NOD restriction: **30 d after satisfying due diligence** with no response, or **90 d after initial contact initiated** if response. Elsewhere initial contact is deemed **3 d after sending**, and no-response language uses **30 d after initial contact**. | These reference events differ. No single derived date is supplied. | C018; S001 §.031(1)(a), (d). |\n| **Q05** | Letter: response within **30 d of letter date**, an **additional 60 d** to meet upon response; letter also states **90 d from letter**. Written in-person request: within **30 d of initial contact**. | Letter date, sending, deemed contact and request are kept separate. | C017–C019; S001 §.031(1)(c)–(f), (4). |\n| **Q06** | NOD/declaration at least **30 d before** sale-notice recording/transmission/service. NOD warning refers to cure within **30 d of mailing or personal service**, and auction no less than **120 d**, or **150 d if letter received**, in the future. | Warning wording is not substituted for .040’s actual sale-notice and default-to-sale requirements. | C020, C056; S001 §.030(8)(g). |\n| **Q07** | Pre-NOS successor process: response/death-proof request **30 d from request**; ownership-proof request period **60 d**; required information **20 d after timely proof received**. | Distinct request, proof and receipt events. Proof already held need not be re-requested as specified. | C021; S001 §.030(11)(a)–(c). |\n| **Q08** | Post-NOS successor process: proof request **within 5 d**; ownership proof received **more than 45 d before sale** activates information **at least 20 d before sale**. | “More than” excludes equality in that clause. Postponement is permissive, not automatic. | C022; S001 §.040(7). |\n| **Q09** | Mediation referral after NOD and **no later than 90 d before** listed sale; specified amended notice **no later than 25 d before** listed sale. Statutory notices expressly use **calendar days** and refer to an amended **45-day** notice. | Exact 90/25 boundaries are inclusive as “no later than”; qualification discrepancy between .008(3) and stay-qualified clauses is held. | C025; S001 §§.008, .030(8)(k), .040(3), .160(3), .163(2). |\n| **Q10** | Commerce action **within 10 d of referral notice receipt**; borrower documents **23 d from department notice**; beneficiary documents **20 d from borrower-document receipt**. | Separate actors and triggers; not a single combined response period. | C025–C028; S001 §.163(5)–(6). |\n| **Q11** | Borrower tax returns: previous **two years**. Beneficiary balance: accurate within **30 d of document due date**. Payment history: **12 months or since default, whichever longer**. Valuation: **not more than 90 d old at mediation**. Economic review: previous **60 d or longer** if mediator determines. | Document freshness/lookback periods, not foreclosure waiting periods. NPV/program incorporations remain held. | C026–C028; S001 §.163(6), (11). |\n| **Q12** | Session within **70 d of mediator receiving department referral**; session notice **at least 30 d before**; mediator may continue once, further continuances require party consent. | Agreed scheduling extension allowed with specified trustee notification. | C028; S001 §.163(8)–(10). |\n| **Q13** | Certification **7 business days after conclusion**. Pre-NOS late-certification fallback permits recording **after 10 d from certification due date**. | The post-NOS no-sale clause has no matching ten-day fallback. Chapter-specific business-day construction not supplied by the WAC definition. | C030–C032; S001 §.163(15), (19). |\n| **Q14** | Statutory mediation default **not more than $400 for 1–3 hours**, subject to waiver/agreement/department authorization; longer mediation subject to reasonable authorized fee. Each party pays **one-half**. Tender **30 calendar days after department-letter receipt or mediator instructions**. | party share = authorized applicable fee ÷ 2; no fee substituted. Current administrative authorization held. | C033; S001 §.163(20). |\n| **Q15** | Historical May 1, 2016 guidelines authorized **$600 for 1–3 hours**. | Historical amount only; it is neither the verified current amount nor proof that the statutory default is the current operative charge. | C033; S019, printed pp.27–29/indexes 31–33. |\n| **Q16** | Current institutional mediation exemption: **not more than 250** qualifying sales in preceding **calendar year**; annual certification **no later than January 31**; current branch begins **January 1, 2024**. | Count is completed qualifying Washington trustee sales, not NODs. Exactly 250 is included. Historical 2023 branch is not used for 2026. | C024; S001 §.166(1); S012 §7. |\n| **Q17** | Conditional senior-beneficiary short-sale response: **within 120 d of receipt** of qualifying written offer/agreement. | Offer must precede NOD; section does not alter other foreclosure periods. | C035; S001 §.026. |\n\n## 4.2 Servicing, cure and expenses\n\n| ID | Quantity/base and source-stated relation | Actor/reference event; boundary/exception/counting limit | Claims/source |\n| --- | --- | --- | --- |\n| **Q18** | WAC business day: **Monday–Friday excluding federally recognized bank holidays**. | Applies to the rule chapter’s definition; not automatically imported into every RCW mediation clause. | C094; S021 -010(7). |\n| **Q19** | Modification status system update **every 10 business days**; completed-application determination **30 d after receipt**; deficiency correction opportunity **10 business days from notice**. | Covered state servicing rule; program applicability and completeness remain predicates. | C039; S021 -930(2)(a), (b), (e). |\n| **Q20** | Denial/rebuttal and internal review provisions use **30 d**; appeal generally **30 d from written denial notice**, response **30 d after appeal receipt**. | Source contains distinct denial-determination/mailing references and specified appeal exclusions. They are not collapsed. | C039, C041; S021 -930(2)(c), (3). |\n| **Q21** | Complete application **prior to 37 d before sale** versus **between 37 and 15 d before sale**; offer response **14 d**. | Equality at the stated boundaries and applications closer to sale remain held; no silence-based permission. Acceptance/suspension clauses and -551 still matter. | C040; S021 -930(2)(f)–(i). |\n| **Q22** | Executed modification copy **30 d after receipt of signed agreement**; oral modification written confirmation **30 d after approval**. | Separate agreement/approval events; does not prove enforceability of an actual modification. | C041; S021 -930(4). |\n| **Q23** | Servicer post-sale mailing **within 3 business days of completed sale**. | Last known supplied address as specified; separate from trustee notices and deed delivery. | C043; S021 -935(2). |\n| **Q24** | Reinstatement cutoff: **prior to the eleventh day before** scheduled or actually continued sale; statutory forms say **on or before** the eleventh day. | Strict/inclusive discrepancy expressly unresolved. | C045; S001 §§.090(1), .040(2)(d), (4). |\n| **Q25** | statutory monetary cure = amount then due − principal not then due absent default + actual authorized enforcement expenses + reasonable trustee/attorney fees + discontinuance-recording costs. | All noticed defaults and actor/timing/tender predicates apply. No fixed percentage, CPI adjustment or universal arrears-only amount established. | C046–C048; S001 §.090(1)–(4), (6)–(7). |\n| **Q26** | Authorized subordinate-lien cure advances bear **8% per annum**, with the additional stated costs/fees. | Applies to the statutory advance/lien branch, not the underlying loan’s general interest rate. Compounding/day-count convention not stated here. | C049; S001 §.090(5). |\n| **Q27** | Later pre-sale notice-described tender includes **full secured principal**, interest, costs/fees/advances and other defaults. | Before sale; no numerical amount or universal post-cutoff right inferred beyond the text. | C050; S001 §.040 statutory notices. |\n| **Q28** | Trustee written reinstatement/payoff response **10 d after written-request receipt**; covered servicer payoff **7 business days after written request**. | Different actors, units and scope. | C051; S001 §.040(4); S021 -550(1). |\n| **Q29** | Covered servicing fee assessed **within 45 d incurred**; explanation mailed **no later than 30 d after assessment**. Third-party charge **≤ actual amount paid**. | Authorization/reasonableness still required; statement alternative where stated. | C052–C053; S022 §31.04.290(1)(a); S021 -567, -900(3)(e). |\n| **Q30** | Payment credited/treated as credited **within 1 business day of qualifying receipt**; uncredited-payment notice mailed **within 10 business days**; sufficient suspense accumulation applied as of availability. | Correct destination/information, early-payment, written-hold and bankruptcy-order qualifications remain. | C054; S022 §31.04.290(1)(b); S021 -900(3). |\n| **Q31** | General information statement: statute **15 business days**, rule **30 business days or stated program timeline**. Detailed documents: **15 business days**; history minimum **two years** or shorter servicing period, extended to earlier claimed delinquency as stated. **One annual request free; $30 for second/subsequent request** under the rule. | Request-content predicates apply. No conclusion that the longer regulatory period displaces the statute. | C055; S022 §31.04.290; S021 -920; S023. |\n\n## 4.3 Sale, restraint, completion and personal-liability relations\n\n| ID | Quantity/base and source-stated relation | Actor/reference event; boundary/exception/counting limit | Claims/source |\n| --- | --- | --- | --- |\n| **Q32** | Sale notice **at least 90 d before sale**, or **120 d if .031 letter required**; sale **not less than 190 d from default**. | Separate minimums; letter “required” in .040 is not replaced by the NOD warning’s “received” wording. | C056; S001 §.040(1), (12). |\n| **Q33** | Publication on/between **35th–28th days** and **14th–7th days** before sale. | Inclusive windows as stated; separate publication occurrences. | C059; S001 §.040(5). |\n| **Q34** | Conditional unknown-heir publication **once weekly for three consecutive weeks**, completed **at least 30 d before actual sale**. | Requires the specified reasonable-diligence and successor conditions. | C059; S001 §.040(6). |\n| **Q35** | Sale **Friday**; if legal holiday, **following Monday**; incorporated hours **9 a.m.–4 p.m.** | Only hours imported from execution statute. No additional holiday adjustment invented if the following Monday also presents an issue. | C060; S001 §.040(9); S002. |\n| **Q36** | .040 continuances: **aggregate ≤120 d**. Proclamation route: continuation **≤7 d** requires mail **at least 4 d before new sale**; continuation **>7 d** requires mail **no later than 3 d after proclamation**. Alternative route: specified notice plus one publication **more than 7 d before** new date. | Strict “more than” publication boundary preserved. Does not govern every court-reset mechanism. | C062; S001 §.040(10). |\n| **Q37** | Restraint application notice **5 d**; competent-witness service-proof branch **age 18 or older**. Periodic restraint payments/security measured at **30-day** intervals as stated. | Sheriff/deputy alternative; court conditions differ for matured/nonmonetary obligations. No payment calculation. | C063–C064; S001 §.130(1)–(2). |\n| **Q38** | Court/stay reset: new sale **at least 45 d after qualifying order/event**, specified notice **at least 30 d before sale**, plus publication windows. | Exact .130 branch and valid prior continuation must be established; federal stay event held. | C065; S001 §.130(3)–(5). |\n| **Q39** | Bid-finality relation conditioned on deed recording **within 15 d of acceptance**, subject to .050(2). | Physical delivery, recording and acceptance are distinct events. | C066; S001 §.050(1). |\n| **Q40** | Statutory voiding **up to the 11th day following sale**; refund **no later than third day after postmarked rescission mailing**; rescission notice **no later than 15 d following voided sale date**. Permitted reset **at least 45 d after rescission mailing**, with specified notice **at least 30 d before** and ordinary publication windows. | Only listed grounds; reset authorization limited to stated grounds. Mailing/postmark/sale date are not conflated. | C067–C068; S001 §.050(2). |\n| **Q41** | Sale trustee/attorney fees in aggregate **≤ reasonable attorney fee the county superior court would deem proper for uncontested mortgage foreclosure**. Surplus-motion notice **at least 20 d before hearing**. | Different from reinstatement fee standard; surplus requires statutory deposit/notice/court priority and order. | C070–C071; S001 §.080. |\n| **Q42** | Conditional non-tenant possession gateway on **20th day after sale**. | Required notices and category predicates; no tenant or eviction conclusion. | C072; S001 §.060(1). |\n| **Q43** | Specified commercial deficiency action **within one year after sale**, qualified by post-notice written extension and statutory prohibited-action periods; multiple qualifying sales use **last sale**. | No universal limitation or actual filing date. Exact counting and other law held. | C079; S001 §.100(4). |\n| **Q44** | guarantor deficiency relation = guarantor amount owed at sale − greater of statutory fair value or sale price + specified contractual interest on deficiency + contract-authorized costs/expenses/fees. | Requires an allowable deficiency branch and adjudicative fair-value determination. Other-security fair-value addition is separately prescribed. No zero floor, rate, rounding or amount invented. | C080–C081; S001 §§.005(8), .100(5). |\n| **Q45** | Guarantor-principal-residence provision: **up to $125,000** from accepted bid before application to guaranty obligation. | Specific .100(6) branch; no homestead indexing/substitution or automatic full payment. | C082; S001 §.100(6); S014. |\n| **Q46** | .127 damages action: **earlier of two years from foreclosure sale or the applicable claim limitation**. | Only that section’s owner-occupied/noncommercial monetary-claim branch. No actual deadline or general P3 rerun. | C088; S001 §.127(2). |\n| **Q47** | .190 report/payment: **$250 per property, not per notice**; **45 d after calendar-quarter end**. Institutional funding exemption uses **fewer than 250 NODs** in preceding calendar year. | Strict <250 and NOD base differ from mediation’s ≤250 sales. No borrower pass-through inferred. | C092; S001 §.190; S012 §8. |\n| **Q48** | .157 funding provision uses **$80 at loan closing**, with statutory exclusions. | Closing-stage funding provision; not added to cure. The 2026 reverse-mortgage/chattel/public-finance exceptions are not an actual eligibility determination. | C093; S001 §.157; S026. |\n| **Q49** | Generic RCW rule excludes first day, includes last, excluding a last Saturday/Sunday/legal holiday as stated. | No universal backward-counting, business-day or procedural-extension result supplied. | C094; S003–S004. |\n| **Q50** | Effective/application dates and historical version boundaries are the dates recorded in S009–S017, S023–S024 and S026. | These are legal-version events, not borrower deadlines. Historical 2023 institution rules and expired HAF provisions are not substituted for current law. | C023–C024, C074, C087, C091–C094. |\n\nNo rounding convention, compounding convention, actual calendar, loan balance, valuation, arrears amount or financial substitution was supplied.\n\n# 5. Material conditional branches and exact remaining inquiries\n\nThis ledger records unresolved predicates without constructing a person, loan, property, instrument, event or transaction.\n\n| Branch | Supported conditional consequence | Missing predicate/authority | Adverse inference to avoid | Exact next generic inquiry |\n| --- | --- | --- | --- | --- |\n| **B01 — Instrument and obligation** | C001/C008 apply only when the qualifying security instrument, activating default and statutory prerequisites exist. | Actual validity, enforceability, terms and default are outside this public-text inquiry. | A recorded instrument proves entitlement to foreclose. | Generic incorporated instrument/obligation rules only, if separately authorized; no actual instrument examination in this pass. |\n| **B02 — Agricultural branch** | C009 requires judicial foreclosure when the statutory statement is false at both specified times. | Meaning/application of principal agricultural use and both temporal predicates. | Any agricultural association, or a label alone, settles the route. | Complete generic agricultural-use and judicial-foreclosure gateway authorities; judicial construction remains separately held. |\n| **B03 — Trustee qualification** | C005–C007 distinguish eligibility, appointment and duties. | Recodified Title 30 and repealed chapter 25.04 incorporations; complete entity/title-agent qualification provisions. | A corporate/attorney affiliation or trustee label proves qualification. | Read the exact recodification/replacement and qualification statutes; no entity or roster lookup. |\n| **B04 — Holder, owner and agent** | C002/C011/C027 preserve holder proof and mediation ownership wording. | Full negotiable-instrument/agency construction and any actual authority. | Holder, owner, recorded beneficiary, servicer and agent are interchangeable. | Generic UCC/agency incorporations needed to reconcile these statutory roles; no named case or loan inquiry. |\n| **B05 — Residential, commercial, occupancy and entity scope** | C004/C016/C023 apply different category tests. | Loan purpose, unit category, principal-residence status, grantor/vesting category and relevant event. | All residential property is consumer debt; all mediation requires owner occupancy. | Compare complete current scope clauses and material transition text only; actual classification remains excluded. |\n| **B06 — Initial-contact clocks** | C018 preserves each statutory reference event. | Reconciliation of .031(1)(a), (c), (d), and (4). | The shortest formulation authorizes a default notice. | Any formal public interpretation addressing this exact interaction; judicial construction requires a later separately authorized inquiry. |\n| **B07 — Successor treatment** | C021–C023 provide conditional information/referral treatment. | Statutory proof, intestacy/title incorporation, timing and authority to represent interests. | Information access or mediation treatment equals accepted assumption or proven title. | Complete generic chapter 11.04 and relevant successor-law incorporations only. |\n| **B08 — Institutional mediation exemption** | C024 requires category plus annual certification and the sales threshold. | Nested federal institutional definitions and satisfaction of certification predicates. | A general bank/servicer exemption or a low NOD count establishes mediation exemption. | Read nested definitions in 12 U.S.C. §461(b)(1)(A) and current generic Commerce certification instructions; no institution lookup. |\n| **B09 — Amended-notice mediation window** | C025 establishes the stay-qualified 25-day branch and preserves broader .008(3) wording. | Reconciliation of the provisions and qualification of the amended notice. | Every continuation or amended notice automatically renews referral eligibility. | Formal interpretation of .008(3), .160(3), .163(2), .040(3) together; no actual notice. |\n| **B10 — Current mediation fee** | C033/Q14 establish statutory default and override authority. | Current operative department fee authorization; linked current guideline failed. | Historical $600 or statutory $400 is necessarily the current payable fee. | A materially different ordinary public official copy of current Commerce authorization/guidelines, with effective/application clause. |\n| **B11 — Certification and sale restraint** | C031 differentiates pre-NOS fallback from post-NOS no-sale condition. | Referral timing, certification status and all other prerequisites. | Every missing certification permits recording/sale after ten days. | Read any current formal implementation guidance addressing these exact two clauses; no actual certification. |\n| **B12 — NPV and program incorporations** | C027/C032 recognize required inputs and an injunction basis. | Current applicable federal/FDIC/department calculation, program scope and inputs. | A favorable NPV automatically grants modification or establishes eligibility. | Complete applicable public calculation/program definitions and successor guidance; no values entered. |\n| **B13 — CLA scope and old rule cross-reference** | C012–C013 limit the WAC overlay by statutory coverage/exclusions. | Exact exemption, waiver scope and 2024 prospective application; WAC -104 retains the older subsection reference. | All servicers are covered, or every license exemption eliminates all duties. | Reconcile current RCW .025(4) with -104 and any adopted corrective rule; no license investigation. |\n| **B14 — Application completeness and late timing** | C037–C040 distinguish -551(4), -551(6) and -930. | Meaning of application/completeness, equality at 37/15 days, and closer-to-sale applications. | An incomplete or late application necessarily permits foreclosure. | Formal public DFI interpretation or operative amendments addressing those precise interactions; court construction held. |\n| **B15 — Information-response conflict** | C055 records statute 15 versus rule 30 business days. | Authoritative reconciliation and any later amendment. | The longer rule affirmatively permits delay beyond the statute. | Current enacted text, adopted DFI amendments and formal interpretation of RCW 31.04.290(1)(d)(ii) versus WAC -920(1)(b). |\n| **B16 — Eleventh-day cutoff** | C045 preserves strict versus inclusive wording. | Judicial/formal construction of .090 versus .040 forms. | An inclusive last-day cure right is settled merely because the form says so. | Exact generic interpretive authority for the discrepancy; no actual deadline calculation. |\n| **B17 — Cure base and fee review** | C046–C050 separate unaccelerated cure, full tender, costs and fee litigation. | Natural maturity, nonmonetary defaults, authorized expenses and reasonableness. | “Arrears only” always suffices, or fee litigation pauses sale. | Complete generic rules governing the identified expense/maturity question; no loan terms or calculations. |\n| **B18 — Continuation versus new setting** | C062/C065 give distinct mechanisms. | Prior valid notice, aggregate continuances, qualifying court/stay event and required renotice. | Every reset erases the 120-day limit, or that limit governs every statutory reset. | Read any operative generic rule/formal interpretation distinguishing .040(10) and .130(3)–(5). |\n| **B19 — Completion versus statutory rescission** | C066–C068 distinguish bid acceptance, delivery, recording and authorized voiding. | Listed rescission ground, actor authority and timing. | A defect automatically reverses a completed sale or creates a borrower rescission election. | Complete public interpretation of .050’s limited grounds and interaction with other remedies; no sale record. |\n| **B20 — Proceeds, fees and surplus** | C070–C071 establish statutory order and court-controlled surplus. | Valid expenses, lien interests, priority and entitlement. | Surplus automatically belongs wholly to borrower, or sale shortfall is automatically enforceable. | Generic priority/distribution incorporations in a separate pass; no title, lien or amount inquiry. |\n| **B21 — Commercial vintage and guarantor branch** | C077–C087 depend on purpose, role, notice, instrument date and collateral category. | Exact June 11, 1998 boundary; complete prior regime; guarantor’s own security versus another deed. | All commercial borrowers or guarantors owe the mathematical shortfall. | Read pre-1998 enacted regime and exact-date application authority; no guaranty or loan examined. |\n| **B22 — Fair value** | C080–C082 require statutory valuation and branch-specific treatment. | Adjudicated fair value, prior encumbrances and additional-security treatment. | Sale price equals fair value, or fixed $125,000 can be replaced with a general homestead index. | Generic valuation and incorporated upset-price provisions only; no appraisal or numerical example. |\n| **B23 — Nonwaiver and remedies** | C088–C090 preserve specified limited claims/designations. | Full cause-of-action elements, defenses, proof, and remedy restrictions. | Every defect survives sale, invalidates title or guarantees damages. | Complete generic CPA/remedy text and later judicial-construction component if authorized. |\n| **B24 — Expired assistance pause** | C074 treats .048 as expired. | Exact permanent-closure event and commission’s statutory written notice to the Code Reviser. | Old program language remains current, or a failed search proves no other assistance protection. | Ordinary official publication of that expiration notice/event; no application or contact. |\n| **B25 — Federal servicing** | State clauses may coexist with independently applicable federal law. | Complete current Regulation X/Z scope, exclusions, definitions, loss-mitigation and servicing clauses and amendments. | State timing displaces federal protection, or a federal threshold is universally applicable. | Separate generic reading of relevant 12 C.F.R. parts 1024/1026 with all scope exceptions. No CFPB guidance used here. |\n| **B26 — Bankruptcy and SCRA** | .025 incorporates SCRA; .130/.100 recognize specified federal-law events. | Complete federal operative statutes, applicability, exceptions and effective provisions. | State reference proves an actual stay, discharge, military protection or permission to proceed. | Complete generic SCRA and bankruptcy provisions for the exact interface; no status or docket inquiry. |\n| **B27 — Tenancy/possession** | C072 is only the non-tenant statutory gateway. | Chapter 59.18/59.12 and any federal tenant protection; category and notice predicates. | Twentieth-day language is universal eviction authority. | Separate generic postforeclosure tenancy/possession component. |\n| **B28 — Title, family, probate and territorial law** | Recording, county venue and role definitions are established textually. | Title, community property, probate, priority, tribal/local/interstate and federal-lien dependencies. | County recording or deed delivery resolves ownership, jurisdiction or priority. | Separate generic governing texts; no land records or identifying facts. |\n| **B29 — Version and judicial status** | C091 establishes checked current/future statutory branches. | Complete future association implementation, any later unlocated amendment, and unsearched judicial status/construction. | Search absence proves no amendment, stay, vacatur or contrary construction. | Ordinary current official legislative/rule status update and separately authorized judicial-construction inquiry. |\n\n# 6. Wholly blank analytical worksheet\n\nThis worksheet contains no legal conclusion, event, person, property, amount, date or completed fact.\n\n| Provision/source | Version/application clause | Scope predicate | Actor | Trigger event | Unit/boundary | Required act or consequence | Exception/incorporation | Missing authority |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n|  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |\n\n# 7. Granular scope coverage and retained gaps\n\n“Answered” below means the specified public-text question was answered within the reported read bounds. It does not mean actual application or whole-state acceptance.\n\n| Requested component/subquestion | Status in this pass | Source/claim/branch links | Exact retained gap or next inquiry |\n| --- | --- | --- | --- |\n| **1 — Instrument/security route** | Answered textually | S001 .020; C001, C008 | Actual instrument, obligation validity and default excluded; B01. |\n| **1 — Beneficiary/borrower/grantor/guarantor/agent roles** | Answered definitions; construction partial | C002–C004, C011, C027 | Holder/owner/agency incorporations; B04. |\n| **1 — Trustee eligibility and successor appointment** | Answered statutory categories; incorporation partial | C005–C007 | Replacement entity/licensing texts; B03. |\n| **1 — Residential/consumer/commercial/agricultural distinctions** | Answered textually | C004, C009, C016, C023 | Actual category and temporal predicates excluded; B02/B05. |\n| **1 — Territorial, recording and physical-presence conditions** | Answered specified clauses | C008, C060 | Full jurisdiction/interstate/tribal/title law held; B28. |\n| **1 — Judicial alternative and mixed collateral** | Bounded gateway answered | C014–C015; S006–S007 | Full judicial foreclosure, execution, redemption, Article 9 and priority remain open. |\n| **2 — Contact and due diligence** | Answered operative duties | C016–C019; Q03–Q05 | Reference-event reconciliation; B06. |\n| **2 — NOD/holder declaration/content/delivery** | Answered current clauses | C011, C020 | No actual truth, authority or compliance; B01/B04. |\n| **2 — Death/successor notices and documents** | Answered procedural text | C021–C022 | Title/intestacy/assumption qualification; B07. |\n| **2 — Mediation scope/exclusions** | Answered state text; federal category partial | C023–C025 | Nested institution definitions and exact amended-notice interaction; B08/B09. |\n| **2 — Referral/documents/session/certification** | Answered | C025–C032 | Applicable NPV program and formal reconciliation; B11/B12. |\n| **2 — Mediation fee** | **Partial/held current administrative amount** | C033; Q14–Q15 | Current operative Commerce authorization; B10 and F01. |\n| **2 — Declaration/certification versus adjudication** | Answered boundary | C011, C027, C030, C034 | Evidentiary construction and actual proof held. |\n| **3 — Cure eligibility/base/reinstatement/tender** | Answered text; cutoff unresolved | C044–C050 | Eleventh-day wording and specific maturity/expense questions; B16/B17. |\n| **3 — Payoff/information/payment/expense safeguards** | Answered; statutory/rule response conflict held | C051–C055 | B15; actual fees, payments and accounts excluded. |\n| **3 — State modification/loss mitigation** | Answered conditional state framework | C037–C043 | CLA scope, completeness/late timing, federal program incorporations; B13/B14/B25. |\n| **3 — Short sale/pooling agreement** | Bounded statutory interface answered | C035–C036 | No approval, contractual duty or actual agreement inferred. |\n| **3 — Redemption versus discharge** | State nonjudicial clause answered; other regimes held | C048, C066, C073, C075 | Independent federal/judicial redemption or discharge; B25/B26. |\n| **4 — Sale setting and recipients** | Answered | C056–C058; Q32 | No actual schedule or notice validation. |\n| **4 — Publication/heirs/occupant notice** | Answered generic requirements | C057–C059 | Diligence/title/tenant predicates held. |\n| **4 — Conduct/bids/place/hours** | Answered statute | C060–C061 | No bidding, payment or sale instruction. |\n| **4 — Continuance and additional notice** | Answered separate mechanisms | C062; Q36 | Exact branch interaction/actual prior compliance; B18. |\n| **4 — Judicial restraint and reset** | Bounded state framework answered | C063–C065 | Federal stay and full litigation construction held. |\n| **4 — Completion/deed/statutory rescission** | Answered | C066–C069 | Actual ground/title/evidentiary status held; B19. |\n| **4 — Distribution/surplus/reconveyance** | Answered route-specific clauses | C070–C073 | Priority and independent release clocks excluded; B20. |\n| **4 — Former assistance-program pause** | Expired status authenticated; exact date unresolved | C074; S012/S020 | B24. |\n| **4 — Possession/tenancy** | Only indispensable gateway | C072 | Full tenant/eviction component excluded; B27. |\n| **5 — Basic deficiency bar** | Answered | C075–C076 | No conclusion about every related obligation. |\n| **5 — Commercial borrower/guarantor exceptions** | Answered current text | C077–C087 | Historical exact-date, actual purpose/security/notice and prior-law branches; B21. |\n| **5 — Fair value/fixed guarantor residence provision** | Answered symbolic text | C080–C082; Q44–Q45 | No valuation, amount or general homestead substitution; B22. |\n| **5 — Contract, deed-in-lieu and reimbursement** | Answered statutory boundaries | C083–C086 | No actual or invented agreement reviewed. |\n| **5 — Waiver/damages/collusion/CPA designation** | Bounded answer | C088–C090 | Full cause/remedy and judicial construction held; B23. |\n| **6 — Full judicial foreclosure/execution/redemption** | Deliberately excluded beyond gateway | C015, C065, C080 | Separate component required. |\n| **6 — Homestead/title/priority/community property/probate** | Deliberately excluded beyond indispensable clauses | S005, C010, C082 | B07/B20/B28; P7 not reused. |\n| **6 — Federal servicing/SC​​RA/bankruptcy** | Explicit dependencies; no full federal proposition | S001 .025; B25/B26 | Complete current federal scope/exception/effective texts required. |\n| **6 — Government loans/federal liens/local/tribal/interstate** | Held | B12/B25/B28 | Separate generic regimes; no eligibility or preemption outcome. |\n| **6 — Consumer remedies and judicial construction** | Held except narrow statutory boundaries | C088–C090; B23/B29 | No cases, opinions, dockets or enforcement records searched. |\n| **7 — Current/future/historical/adopted status** | Material originals authenticated within read bounds | S009–S017, S023–S027; C091 | No assertion of complete historical or future-law reconstruction. |\n| **7 — Direct URLs/pinpoints/read bounds** | Supplied visibly | §2 source/usage register | Original partial-read limits expressly identified. |\n| **7 — Failed routes and different ordinary route** | Supplied visibly | §8 below | Current fee and exact HAF expiration event remain open. |\n| **Registry dimension 6 beyond this component** | Open | Scope boundary | Other secured-debt, judicial foreclosure and sector components remain required. |\n| **All earlier Washington components/holds** | Preserved unchanged | Supplied scope context only | No P1/P2 patch, P3–P7 acceptance, Washington acceptance or A066 acceptance follows. |\n\n# 8. Read, search and failure log\n\n## 8.1 Read log\n\nThe source/usage tables in §2 are the complete substantive read log: they identify every instrument relied on, exact section bounds, complete versus selected reading, version and material limitations.\n\nAdditional navigation and verification steps were:\n\n| Step | Ordinary public route/read | Result and evidentiary treatment |\n| --- | --- | --- |\n| **R01** | Official full chapter 61.24 and individual section bodies. | Current text, future text, cross-references, credits and disposition notes distinguished. All positive claims use actual bodies, not snippets. |\n| **R02** | Links from RCW credits to enacted 1985, 1998, 2018, 2021, 2023, 2024 and 2025 acts. | Material amendment/application clauses read to the precise extents in S009–S017. Not every cited historical act was read. |\n| **R03** | Official Commerce program page → current guideline link. | Link discovered but document failed; current fee amount remains held. |\n| **R04** | Different official route to Commerce’s May 2016 PDF. | Historical text read; did not cure current-guideline gap. |\n| **R05** | Individual .048 route → official chapter disposition table. | Redirect supplied official expired-status evidence; redirect itself was not treated as a failure. |\n| **R06** | WAC individual sections and full chapter; RCW 31.04 scope and servicing sections. | State servicing overlay identified and read. Full-chapter route resolved only the .930 body-access gap. |\n| **R07** | Official WSR permanent order and 2024 Consumer Loan Act amendment. | Adoption/effective text and prospective limitation authenticated; 15/30-business-day discrepancy preserved. |\n| **R08** | Official U.S. Code pages for the two expressly needed definitions. | Narrow incorporated paragraphs read; nested and broader federal regimes held. |\n| **R09** | Official session-law navigation: [https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/](https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/?utm_source=chatgpt.com) → [https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/](https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/?utm_source=chatgpt.com) → S027. | 2026 affected-section entry led to S026, which was fully read. Index was discovery, not operative authority. |\n| **R10** | Targeted wording rechecks of current .030, .031, .090, .100, .163, .165, .166 and WAC -551. | Confirmed agricultural conjunction, holder proof, contact clocks, cure wording, complete deficiency exceptions, current mediation scope and application/completeness distinction. No new actual-fact investigation. |\n\n## 8.2 Search log\n\nAll searches were generic public-law searches. Search results were discovery until a source body was opened and read.\n\n| Batch | Queries used | Disposition |\n| --- | --- | --- |\n| **L01** | site:app.leg.wa.gov/rcw \"Chapter 61.24\" \"DEEDS OF TRUST\"; site:app.leg.wa.gov/rcw \"61.24.030\" \"requisites\"; site:app.leg.wa.gov/rcw \"61.24.163\" \"mediation\" | Official statute bodies read. |\n| **L02** | site:app.leg.wa.gov/wac foreclosure mediation 61.24; site:commerce.wa.gov foreclosure fairness laws rules mediation fee 2026 | Commerce discovery; initial search coverage did not establish absence of rules. |\n| **L03** | site:commerce.wa.gov foreclosure \"mediation\" \"fee\" \"$\"; site:app.leg.wa.gov/wac \"61.24.033\"; site:uscode.house.gov \"461\" \"(A) The term\" \"depository institution\" | Historical official fee PDF and federal definition read. |\n| **L04** | site:lawfilesext.leg.wa.gov \"2025\" \"393\" \"NEW SECTION. Sec. 19\" foreclosure; site:lawfilesext.leg.wa.gov \"2025\" \"119\" \"61.24.030\"; site:lawfilesext.leg.wa.gov \"2021\" \"290\" \"61.24.100\" | Original acts reached through official routes/credits and read within listed bounds. |\n| **L05** | site:app.leg.wa.gov \"homeowner assistance fund\" \"Expired\"; site:wshfc.org \"homeowner assistance fund\" \"closed\" 2026; site:commerce.wa.gov \"Foreclosure Fairness\" \"Guidelines\" \"2025\" | Expired disposition authenticated. Program/closeout search leads did not authenticate the exact legal expiration date. |\n| **L06** | site:app.leg.wa.gov \"61.24.048\" \"2025\"; site:lawfilesext.leg.wa.gov \"homeowner assistance fund\" \"expiration\" \"2025\"; site:commerce.wa.gov \"mediation\" \"$800\" OR \"$600\" OR \"$900\" \"2026\" | No verified current administrative fee or exact expiration notice. The 2026 legislative lead was later resolved by S026. |\n| **L07** | site:app.leg.wa.gov/wac \"foreclosure\" \"mortgage loan servicers\"; site:app.leg.wa.gov/wac \"foreclosure mediation\"; site:lawfilesext.leg.wa.gov \"61.24\" \"2026\" \"Sections Affected\" | Servicing rules identified and read; current legislative index followed. |\n| **L08** | site:lawfilesext.leg.wa.gov \"WSR 18-16-024\" \"PERMANENT RULES\"; site:lawfilesext.leg.wa.gov \"2024\" \"249\" \"prospectively\" \"31.04.025\" | Adopted order and enacted application clause read. |\n| **L09** | site:uscode.house.gov \"1602\" \"dwelling\" \"residential structure\"; site:lawfilesext.leg.wa.gov \"2026\" \"61.24.040\" \"SESSION LAWS\"; site:lawfilesext.leg.wa.gov \"2026\" \"208-620-930\" | Official federal definition and legislative navigation read. Secondary reproduction leads were not used as authority. Absence of a search hit was not treated as proof of no change. |\n\nWithin-document searches located relevant definitions, amendment sections, expiration provisions and affected-section entries. A missing text match was not treated as a substantive negative finding.\n\n## 8.3 Failed routes and unresolved retrievals — not source evidence\n\n| Failure ID | Exact route | Observed result | Different ordinary route and remaining consequence |\n| --- | --- | --- | --- |\n| **F01** | Commerce current-guidelines link: [https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe](https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe) → [https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe](https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe) | Server/tool retrieval failure, reported as 500/inaccessible. No identical retry or access workaround. | Official historical PDF S019 was readable, but **current fee authorization remains unresolved**. |\n| **F02** | [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930) | Individual-section retrieval failed. | The ordinary official full-chapter URL in S021 supplied the complete rule. **Only this exact source-body gap was resolved.** |\n| **F03** | Generic official searches for the assistance-program permanent-closure/expiration notice. | No exact operative notice/date authenticated. This was failed discovery, not a blocked source body. | S020 confirms displayed expired status; S012 supplies the closure-based clause. Exact event/date remains held. |\n| **F04** | Generic searches for current mediation fee authorization. | No later current authorization verified beyond the inaccessible current-guideline route. | Statutory overrideable default and historical authorization are separately reported; no invented current amount. |\n\nNo login, API, hidden endpoint, CAPTCHA/security bypass, contact, application, records request, or permission expansion was used.\n\n# 9. Exact retained interfaces\n\nThe following remain separate required investigations:\n\n- **Full judicial mortgage foreclosure, execution and redemption:** only .020/.100/.120 and the indispensable .130/.61.12.060 gateways were read.\n- **Title, perfection, priority, homestead, community property and probate:** no land record, title instrument, property, household or lien was investigated. The fixed .100(6) guarantor provision does not complete homestead law.\n- **Tenancy and postforeclosure occupancy:** .060’s bounded non-tenant gateway does not complete state or federal tenant protections or eviction procedure.\n- **Bankruptcy, SCRA, federal liens and government loans:** state references were identified; complete federal operative scopes, exceptions and application clauses were not supplied.\n- **Regulation X/Z and federal servicing:** the state WAC provisions were not presented as federal law. No CFPB circular, bulletin or advisory was relied on, so no withdrawn guidance supplies a proposition here.\n- **Local, tribal and interstate law:** no jurisdictional or choice-of-law result is inferred.\n- **Full consumer remedies and judicial construction:** no case, opinion, docket, party or enforcement record was searched. Statutory remedies and evidentiary provisions do not establish a private recovery or completed-sale reversal.\n- **P3 mortgage-release/limitation/forfeiture subjects:** not rerun. Reading .110 to identify the narrow reconveyance gateway did not import or accept P3’s separate findings.\n- **Other secured-debt categories and the rest of registry dimension 6:** open.\n\n# 10. Researcher self-check — not independent review\n\n**Actually read:** The current operative statutory and rule bodies listed in the source/usage register; their material exceptions and displayed notes; the specified original adopted amendments/effective/application clauses; the narrow federal definitions; official current program text; and clearly dated historical guidance.\n\n**Not claimed as read:** Every historical enactment in each source-credit chain; every nested federal or state incorporation; the entire future association-law regime; the inaccessible current mediation guidelines; the exact assistance-program expiration notice; any case/opinion/docket; any actual instrument, account, borrower, property, notice, sale, guaranty, policy or transaction.\n\n**Checks performed on the report:**\n\n- Current, future-effective, historical and expired provisions remain separated.\n- The source-register IDs are reused for different sections of the same instrument.\n- Statutory notices, declarations and certifications are not treated as adjudicated facts.\n- Mailing, sending, service, receipt, recording, acceptance, delivery and completion remain distinct triggers.\n- Cure, full tender, modification, discontinuance, continuation, judicial restraint, statutory rescission, reconveyance and discharge are not collapsed.\n- No numerical financial or property example, actual calendar, populated worksheet or operational instruction is supplied.\n- The five principal unresolved issues—cure cutoff, contact/referral wording, current mediation fee, information-response conflict, and exact historical assistance-pause expiration—remain visible with precise next inquiries.\n- Earlier Washington reports and their holds are preserved. This pass supplies no Washington-wide, registry-dimension-6, A066, parent, operational or publication acceptance.\n\nEND S_WA PASS-08.\n\n","tables":[{"headers":["Category","Controlling role in this pass","Distinction that must remain"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Category","Controlling role in this pass","Distinction that must remain"],["Chapter 61.24 RCW","State nonjudicial deed-of-trust framework","An alternative statutory route with its own prerequisites; not a completed judicial foreclosure analysis."],["RCW 61.24.030","Preconditions to trustee sale","Default, power of sale, recording, holder proof, notice, and residential prerequisites are separate predicates."],["RCW 61.24.031","Covered residential pre-default contact","Does not itself establish mediation eligibility or compel a modification."],["RCW 61.24.163–.166","Referral, mediation, certification, scope, institutional exemption","Referral, participation, certification, and an injunction ground are different events."],["RCW 61.24.090","Cure and reinstatement","Removes the specified default/acceleration consequences when its conditions are met; not general debt cancellation."],["RCW 61.24.040, .050, .130","Sale notice, continuation, sale effect, statutory rescission, court restraint/reset","A continuation, a new setting after restraint, and post-sale statutory rescission are distinct mechanisms."],["RCW 61.24.100","Route-specific personal-liability boundaries","A trustee-sale deficiency bar is not a universal declaration that all related obligations disappear."],["Chapter 31.04 RCW and chapter 208-620 WAC","Conditional state mortgage-servicing overlay","Coverage and exemptions must be established; not every beneficiary or servicer is automatically covered."],["Enacted session laws and adopted WSR order","Amendment, effective-date, expiration, application evidence","A codified page title or webpage update does not establish a clause’s effective date."],["Commerce operational material","Program administration and discovery of current instructions","Cannot replace statutory scope or establish a named institution’s exemption."],["Federal texts actually read","Narrow incorporated definitions only","No complete federal servicing, bankruptcy, military, government-loan, or federal-lien conclusion is supplied."]]},{"headers":["Source ID","Issuer/title and complete literal HTTPS URL","Actual read extent; edition/status; credits and application limits"],"index":1,"links":[{"href":"https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true&utm_source=chatgpt.com","text":"https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604"},{"href":"https://uscode.house.gov/us/usc/119-121/t12/s461/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t12/s461/"},{"href":"https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1602/"}],"row_links":[[],[{"href":"https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true&utm_source=chatgpt.com","text":"https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t12/s461/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t12/s461/"}],[{"href":"https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1602/"}]],"rows":[["Source ID","Issuer/title and complete literal HTTPS URL","Actual read extent; edition/status; credits and application limits"],["S_WA-P8-S001","Washington Legislature/Code Reviser, Chapter 61.24 RCW—Deeds of trust. https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true","Complete current bodies of the sections listed in §2.2, including statutory notice forms and material notes. Current and future-effective bodies were distinguished. No claim of reading every chapter section or every incorporated title. Section-specific credits and original enactments appear below."],["S_WA-P8-S002","Washington Legislature, RCW 6.21.050—Execution sale time/place provisions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050","Complete section read. Latest displayed credit: 2021 c 122 §12. Used only for the hours expressly incorporated by RCW 61.24.040(9); sheriff-sale scheduling and other execution procedures are not transferred to trustee sales."],["S_WA-P8-S003","Washington Legislature, RCW 1.12.040—Computation of time. https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040","Complete section read; latest displayed credit 1997 c 125 §1. Generic first/last-day rule identified. Its application to every backward-counted foreclosure period is not adjudicated here."],["S_WA-P8-S004","Washington Legislature, RCW 1.16.050—Legal holidays. https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050","Complete subsections (1)–(7) read. Displayed 2025 c 58 §1001 and 2025 c 30 §1 credits/merger material noted. No actual calendar calculation; no assertion that every commemorative day is a legal holiday."],["S_WA-P8-S005","Washington Legislature, RCW 6.13.080—Homestead exceptions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080","Complete body read; only subsection (2) used to understand the express cross-reference in RCW 61.24.100(6). Latest credit 2021 c 290 §6. No P7 homestead findings imported or reconstructed."],["S_WA-P8-S006","Washington Legislature, RCW 61.12.060—Judicial foreclosure/upset price. https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060","Complete section read; credit 1935 c 125 §1. Used only for the provision displaced by RCW 61.24.100(5) in its commercial-guarantor branch. Full judicial foreclosure remains open."],["S_WA-P8-S007","Washington Legislature, RCW 62A.9A-604—Real-property and personal-property collateral; fixtures. https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604","Complete subsections (a)–(d) read; credit 2000 c 250 §9A-604. Bounded current gateway for the obsolete former RCW 62A.9-501(4) reference in .020. Article 9 attachment, perfection, priority, and fixture entitlement are not completed."],["S_WA-P8-S008","U.S. House Office of the Law Revision Counsel, 12 U.S.C. §461(b)(1)(A). https://uscode.house.gov/us/usc/119-121/t12/s461/","Complete incorporated paragraph (b)(1)(A) read. Displayed currency through Public Law 119-121, October 9, 2026. Its nested institutional definitions were not fully followed. Washington’s additional “federally insured” condition remains separate."],["S_WA-P8-S020","Washington Legislature/Code Reviser, Chapter 61.24 RCW disposition table. https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24","Relevant entries read completely: .048 expired under 2023 c 206 §12; .173 and .174 repeal entries and savings references. This authenticates the displayed disposition, not the exact date of the assistance-program closure event."],["S_WA-P8-S021","Washington Department of Financial Institutions/Code Reviser, Chapter 208-620 WAC—Consumer Loan Act rules. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true","Complete bodies of the rules listed in §2.3 read. Latest credits vary by rule. No entire-chapter compliance conclusion. Current .930 body was successfully read through this ordinary full-chapter route after the individual-section route failed."],["S_WA-P8-S022","Washington Legislature, Chapter 31.04 RCW—Consumer Loan Act, relied-on section pages: https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290","Complete bodies of these four sections read. Latest displayed credits respectively: 2018 c 62 §9; 2024 c 249 §2; 2018 c 62 §16; 2015 c 229 §35. Used for definitions, exemptions, rulemaking authority, and servicing duties—not a renewed provider-licensing report."],["S_WA-P8-S025","U.S. House Office of the Law Revision Counsel, 15 U.S.C. §1602. https://uscode.house.gov/us/usc/119-120/t15/s1602/","Complete (a) and (w) read and relied on; displayed source/amendment notes inspected. Currency through Public Law 119-120, October 7, 2026. “Dwelling” incorporation only; not complete TILA/Regulation Z coverage. Later federal changes through access date were not exhaustively established."]]},{"headers":["Complete section URL","Complete current read bounds and use","Latest displayed credit/material boundary"],"index":2,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190"}]],"rows":[["Complete section URL","Complete current read bounds and use","Latest displayed credit/material boundary"],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005","All definitions; mortgage-role, property, commercial-loan, fair-value definitions used. Association definitions read but association-lien regime excluded.","Current 2025 c 393 §1; effective January 1, 2026, expires January 1, 2028. Future §7 separately identified."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008","Complete referral timing section, including differing amended-notice wording.","2023 c 206 §1."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010","Complete trustee eligibility, appointment, resignation, duty provisions and reviser notes.","2012 c 185 §13. Old Title 30 and chapter 25.04 references expressly noted as recodified/repealed; replacement entity regimes not completed."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020","Complete real-property-security, agricultural, mixed-collateral and recording provisions.","1998 c 295 §3; 1985 application note read; obsolete UCC reference identified."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025","Complete state SCRA incorporation.","2004 c 161 §5. Federal incorporated act itself not fully read."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026","Complete conditional short-sale-response section and exclusions.","2011 c 364 §1. Conditional fallback language is not treated as the current mediation-exemption rule."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030","Complete current (1)–(12), all notice contents, death/successor clauses, exceptions and notes.","Current 2025 c 119 §31; future 2024 c 321 §410 effective January 1, 2028."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031","Complete current (1)–(9), including blank declaration, scope, surrender exception and diligence.","Current 2021 c 151 §4; separate future 2028 text."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033","Complete model-language authority.","2011 c 58 §16. Historical implementation deadline not used as a current borrower clock."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040","Complete current (1)–(14), statutory sale/foreclosure/tenant notices, mailing, publication, continuation, successor provisions.","2023 c 206 §3; material 2018 c 306 §2 changes and renumbering noted. Future 2028 text kept separate."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042","Complete commercial-guarantor notice and consequence clauses.","1998 c 295 §6; obsolete subsection cross-reference noted."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045","Complete request-for-notice provision.","2018 c 306 §3. No actual request or recording examined."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050","Complete sale/deed/redemption and statutory rescission provisions; blank rescission form.","2018 c 306 §4; original amendment read."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060","Complete section read; only bounded non-tenant possession gateway used.","2009 c 292 §10. Tenant and unlawful-detainer incorporations remain open."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070","Complete bidding/payment provision.","1998 c 295 §9."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080","Complete proceeds, expense cap, surplus deposit, notice and disbursement provisions.","2014 c 107 §2."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090","Complete (1)–(7), including strict cutoff, expenses, fee review, reinstatement, subordinate advances and tender forms.","1998 c 295 §11; original read. Reviser's note maps former .040(6) to current .040(10)."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100","Complete (1)–(12), all commercial/guarantor exceptions and historical-application clause.","2021 c 290 §7; 1998 c 295 §12. Both material originals read."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110","Complete section read; only subsection (1) reconveyance gateway used.","2013 c 114 §1. Separate release clocks are not relied on or rerun."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120","Complete preservation of other foreclosure provisions.","1965 c 74 §12."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127","Complete damages/nonwaiver provision and owner-occupied/noncommercial restriction.","2011 c 364 §2. Full CPA and judgment-lien incorporations held."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130","Complete restraint, notice, security/payment, dissolution/reset and bankruptcy-related state clauses.","2018 c 306 §5; original read. Federal stay predicates not established."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135","Complete section read; subsections (1)–(2) used for collusion/contact/mediation boundaries.","2023 c 206 §11. Surplus-locator contract regime in (3)–(4) excluded."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157","Complete current loan-closing funding-fee section read for boundary only.","2026 c 156 §1; original fully read. Not a cure or trustee-sale expense authorization."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158","Complete administrative reporting section read; no separate substantive claim.","2025 c 393 §10."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160","Complete counselor/contact/referral section.","2023 c 206 §4."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163","Complete current (1)–(24). Mortgage clauses used; association-specific branches read but not developed.","2025 c 393 §3, effective January 1, 2026. This section is not among the act’s sections expiring in 2028."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165","Complete current and displayed future scope provisions.","Current 2025 c 393 §4; future §6; material 2023 c 206 §6 and 2021 c 151 §6 changes checked."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166","Complete current and historical-year exemption branches, certification and retroactivity.","2023 c 206 §7; original and emergency effective clause read."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169","Complete section read; mediator role and limited evidentiary use of certification used.","2012 c 185 §7. No mediator selection or roster reviewed."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177","Complete pooling/servicing-duty provision.","2011 c 58 §13. Does not independently establish an actual contractual duty."],["https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190","Complete current funding/reporting and exemption provisions; future version distinguished.","2023 c 206 §8; future association-reference changes identified. Borrower pass-through not inferred."]]},{"headers":["Rule and direct URL","Actual complete read/use","Displayed amendment status"],"index":3,"links":[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550"},{"href":"https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551"},{"href":"https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true"}],[],[],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550"}],[{"href":"https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551"}],[],[],[],[],[],[{"href":"https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935"}]],"rows":[["Rule and direct URL","Actual complete read/use","Displayed amendment status"],["WAC 208-620-010, at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true","Full definitions. Used: Act, business day, dwelling, and broad foreclosure-referral definition.","Latest WSR 22-24-048, effective December 31, 2022."],["WAC 208-620-011, same full-chapter URL","Full definitions/application of residential mortgage servicing, including master/subservicer and nonservicing-investor boundaries.","WSR 18-24-013, effective January 1, 2019."],["WAC 208-620-104, -230, -231, -232, same full-chapter URL","Full scope/exemption/waiver bodies read. Used to limit the servicing overlay; no entity license conclusion.","-104/-230: WSR 18-24-013; -231: WSR 18-16-024; -232: WSR 19-21-157. The -104 statutory subsection reference predates the 2024 renumbering."],["WAC 208-620-550. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550","Full rule read; subsection (1) payoff response used. Unrelated student-loan, general business, and reconveyance-clock subjects not developed.","WSR 19-21-157, effective November 24, 2019."],["WAC 208-620-551. https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551","Full (1)–(9). Used for waivers, unauthorized charges, misapplication, referral and collection restrictions. Force-placed-insurance regime excluded from substantive conclusions.","WSR 18-16-024, effective September 1, 2018."],["WAC 208-620-567, at full-chapter URL","Full default-fee rule.","WSR 18-16-024."],["WAC 208-620-900, at full-chapter URL","Full transfer, crediting, suspense, assessment/notice, oversight provisions.","WSR 18-16-024."],["WAC 208-620-905, at full-chapter URL","Complete escrow rule read for boundary; no full escrow/insurance entitlement conclusion.","WSR 18-16-024."],["WAC 208-620-920, at full-chapter URL","Full information/error provisions, including both response tracks and fee limits.","WSR 18-16-024."],["WAC 208-620-930, at full-chapter URL","Full (1)–(9), including complete-application, sale-proximity, appeal, confirmation and short-sale-information clauses. Individual URL failure is separately logged.","WSR 18-16-024."],["WAC 208-620-935. https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935","Complete pre-referral file-support and post-sale mailing rule.","WSR 18-16-024."]]},{"headers":["Source ID","Issuer/title and literal HTTPS URL","Actual read bounds; effective/application findings; limitations"],"index":4,"links":[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12"},{"href":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3&utm_source=chatgpt.com","text":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3"},{"href":"https://www.commerce.wa.gov/homeownership/foreclosure-fairness/?utm_source=chatgpt.com","text":"https://www.commerce.wa.gov/homeownership/foreclosure-fairness/"},{"href":"https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf?utm_source=chatgpt.com","text":"https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf"}],"row_links":[[],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12"}],[{"href":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3&utm_source=chatgpt.com","text":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3"}],[{"href":"https://www.commerce.wa.gov/homeownership/foreclosure-fairness/?utm_source=chatgpt.com","text":"https://www.commerce.wa.gov/homeownership/foreclosure-fairness/"}],[{"href":"https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf?utm_source=chatgpt.com","text":"https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf"}]],"rows":[["Source ID","Issuer/title and literal HTTPS URL","Actual read bounds; effective/application findings; limitations"],["S_WA-P8-S009","Washington Legislature, 2025 c 393, SSB 5686. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1","Parsed text: complete §§1, 3, 4, 19–20; selected surrounding/future sections, including §7. §§19–20 at printed p.60/PDF index 60 read completely. Current relevant §§1–4 effective January 1, 2026; §§5–7 effective January 1, 2028. Expiration list includes §§1, 2, 4, but not §3. Not entire act."],["S_WA-P8-S010","Washington Legislature, 2025 c 119, SSB 5129. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31","Cover, substantial selected §31 text, and complete §§35–36 at printed p.82/index 82. Cover effective July 27, 2025; §31 expires January 1, 2028. Original §31 was not read continuously in its entirety; current codified .030 was."],["S_WA-P8-S011","Washington Legislature, 2024 c 321, SSB 5796. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410","Selected §410 opening; complete §512, printed p.196/index 196. §§401–432 effective January 1, 2028. Full future association-law consolidation not audited."],["S_WA-P8-S012","Washington Legislature, 2023 c 206, SHB 1349. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4","Complete §§1, 6–9, 12–13; selected §2. §7 at printed p.30/index 30; §§12–13 at pp.35–36/indexes 35–36. General effective July 23, 2023; §§7–9, 12 effective May 1, 2023. §7 expressly retroactive to January 1, 2023. Historical HAF pause and its closure-based expiration read."],["S_WA-P8-S013","Washington Legislature, 2021 c 151, SHB 1108. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2","Selected §4; complete §6 and §§13–17. Relevant immediate provisions effective May 3, 2021; other listed provisions January 1, 2022; repeal/savings provisions June 30, 2023. Not a complete historic regime reconstruction."],["S_WA-P8-S014","Washington Legislature, 2021 c 290, SSB 5408. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7","Complete §7, printed pp.5–7/indexes 5–7; §8 emergency clause and approval material. Effective May 12, 2021. Authenticates the specific fixed $125,000 guarantor-residence provision. Historical retroactive application not assumed."],["S_WA-P8-S015","Washington Legislature, 2018 c 306, SSB 2057. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1","Cover; selected §1; complete §§4–5, printed pp.20–24/indexes 20–24; end material. Effective June 7, 2018. Used for holder-wording amendment and complete rescission/restraint amendments; not entire act."],["S_WA-P8-S016","Washington Legislature, 1998 c 295, SSB 6191. https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12","Complete §§11–12, printed pp.19–23/indexes 19–23; cover/end. Effective June 11, 1998. Stricken former obligation-satisfaction language was distinguished from enacted text. Pre-1998 law not reconstructed."],["S_WA-P8-S017","Washington Legislature, 1985 c 193. https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3","Complete §5 application clause, PDF index 10; other selected text. Current codified note identifies July 28, 1985. Exact §5 is the pinpoint; no unverified printed-page number supplied. Applies to notices of default issued after the effective date."],["S_WA-P8-S018","Washington Commerce, Foreclosure Fairness Program. https://www.commerce.wa.gov/homeownership/foreclosure-fairness/","Generic program body, FAQ/referral and fee-sharing statements read. Displayed page update July 21, 2026 is not a legal effective date. Current guidelines link discovered; linked document inaccessible. No exemption roster or provider examined."],["S_WA-P8-S019","Washington Commerce, Foreclosure Fairness Program Guidelines, May 1, 2016. https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf","Cover and fee/scheduling material, printed pp.27–29/PDF indexes 31–33, read. Historical official guidance, not current fee authorization."],["S_WA-P8-S023","Washington DFI, WSR 18-16-024, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm","Header, adoption/authority statement and complete amendments to -551, -567, -900, -905, -920, -930, -935 read; selected definitions. Adopted/filed July 24, 2018; effective September 1, 2018. Header expressly identifies the information-response change from 15 to 30 business days."],["S_WA-P8-S024","Washington Legislature, 2024 c 249, SSB 6025. https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm","Complete act §§1–5 read; §§2 and 5 relied on. Effective June 6, 2024. Prospective application; pre-effective-date loans excluded unless renegotiated or modified after that date."],["S_WA-P8-S026","Washington Legislature, 2026 c 156, SSB 5938. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1","Complete cover, §1 and end, printed pp.1–3/PDF indexes 1–3. Effective June 11, 2026. Amends the loan-closing funding fee/exclusions; does not supply a cure charge."],["S_WA-P8-S027","Washington Legislature/Code Reviser, 2026 RCW Sections Affected table. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf","Relevant Title 61 row, printed p.10/PDF index 9, and relevant searches read. Dated April 2, 2026; discovery/version cross-check only. Led to S026. It is not operative law or proof of absence of later changes."]]},{"headers":["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],["S_WA-P8-C001","A deed of trust within .020 conveys real property to secure performance of an obligation and may use the chapter’s trustee-sale route. Mortgage law otherwise applies except as the chapter provides.","S001 §.020, complete section. Security, obligation validity and sale prerequisites remain separate."],["S_WA-P8-C002","The chapter defines beneficiary by holding the instrument or document evidencing the secured obligation, excluding a person holding it as security for a different obligation.","S001 §.005(4). Recorded designation alone is not examined here as proof of holding."],["S_WA-P8-C003","Borrower, grantor and guarantor are distinct statutory roles: liability on the principal obligation; encumbering an interest; and a nonborrower’s separate written guaranty, respectively.","S001 §.005(5), (9), (10). The borrower definition includes specified general-partner and written-successor-liability branches. No actual agency or liability is inferred."],["S_WA-P8-C004","“Commercial loan” turns on primary purpose other than personal, family or household use. “Owner-occupied” means the borrower’s principal residence. The general residential definition and express “up to four units” clauses must be read separately.","S001 §.005(6), (13), (16); §§.030, .031, .165. A residential building does not by itself settle commercial-purpose classification."],["S_WA-P8-C005","Trustee eligibility is restricted to the categories in .010(1): qualifying domestic entities, authorized title insurers/licensed title agents, qualifying Washington attorneys and attorney entities, a U.S. agency/instrumentality, or specified federally chartered banking institutions.","S001 §.010(1)(a)–(f). The domestic-entity branch includes a Washington-resident-officer condition. Incorporated entity/licensing statutes and obsolete references are held; no actual trustee qualification is established."],["S_WA-P8-C006","A successor trustee receives the chapter’s trustee powers through the beneficiary’s appointment recorded in every county where the deed of trust is recorded. Resignation has its own written-notice and recording requirements.","S001 §.010(2). Merely using the label “successor trustee” does not establish this predicate."],["S_WA-P8-C007","The statute disclaims a trustee fiduciary duty to the grantor or other interested persons, while expressly imposing good faith toward borrower, beneficiary and grantor.","S001 §.010(3)–(4). These are separate clauses; neither eliminates the other."],["S_WA-P8-C008","Sale prerequisites include a power of sale, an activating default under the secured obligation or grantor covenant, county recording, and the trustee’s required Washington physical address/presence/telephone throughout the specified period.","S001 §.030(1), (3), (5)–(6). None establishes debt validity or actual compliance."],["S_WA-P8-C009","If the deed’s required nonagricultural-use statement is false both when granted or amended to include it and at sale, judicial foreclosure is required.","S001 §.030(2). Agricultural production includes crops, livestock or aquatic goods. No property-use classification is made."],["S_WA-P8-C010","A pending beneficiary action seeking satisfaction generally prevents this trustee-sale route, subject to the receiver/property-preservation and commercial-other-collateral exceptions stated in .030(4).","S001 §.030(4). The incorporated homestead/rents branch is identified but not completed."],["S_WA-P8-C011","For residential property up to four units, the trustee must have holder proof before recording, transmitting or serving the sale notice. A beneficiary declaration under penalty of perjury is statutorily sufficient, with reliance conditioned on the trustee’s good-faith duty.","S001 §.030(7). This is a procedural proof provision, not a finding that an actual declaration is true. Association exceptions are separate."],["S_WA-P8-C012","The state servicing overlay depends on Consumer Loan Act scope: residential mortgage purpose/security, servicing activity, and statutory/rule coverage, including specified Washington-resident/property connections.","S022 §§31.04.015(13), (24), (25), (29), .025; S021 -011, -230, -231. Investor ownership without servicing activity is not automatically the regulated servicing role."],["S_WA-P8-C013","CLA exemptions are conditional, including specified banking-law activities, public/qualified housing programs and other categories. The business/commercial/agricultural exclusion does not extend as written to loans secured by the borrower’s primary dwelling. Exemption/preemption is not presumed.","S022 §31.04.025(4)–(6); S024 §§2, 5. A licensing waiver is not treated as a waiver of every substantive duty. The 2024 amendment has an express prospective-application limitation."],["S_WA-P8-C014","Mixed real/personal collateral requires a separate UCC branch. The current .9A-604 text permits specified personal-property-only or real-property-route treatment, but does not establish attachment, perfection or priority.","S001 §.020 and reviser note; S007 §62A.9A-604(a)–(d). Former .9-501(4) is not treated as current operative text."],["S_WA-P8-C015","Judicial mortgage foreclosure remains a statutory alternative, and .100 expressly says its deficiency section does not apply to that foreclosure.","S001 §§.100(8), .120. No conclusion follows about the full judicial route’s deficiency, execution or redemption rules."]]},{"headers":["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],["S_WA-P8-C016","Section .031’s contact regime applies to its recorded residential-up-to-four-unit category, with commercial-loan, specified third-party-grantor, seller-financed and listed association exclusions. Its contact/diligence subsections also have a written-surrender/key-delivery exception.","S001 §.031(6)–(8). The seller-finance definition is statutory; an ordinary servicer label is not an exemption."],["S_WA-P8-C017","Due diligence requires the specified initial dual-mail letter, telephone attempts, conditional follow-up certified letter, live contact availability and website information if a website exists. Telephone contact does not itself constitute the statutory meeting.","S001 §.031(1)(b)–(c), (5)(a)–(e). Exact quantities are Q03–Q05. Disconnected-number and live-representative qualifications remain."],["S_WA-P8-C018","The statute uses different contact timing formulations: satisfaction of due diligence, initiation of initial contact, deemed contact after sending, and the letter’s own date. They are not collapsed into one universal default-notice date.","S001 §.031(1)(a), (c)–(d), (4). Textual interaction held, B06."],["S_WA-P8-C019","A requested meeting must precede the default notice and address ability/options. Telephone is permitted unless a timely written in-person request is made; county location and resolution-authority conditions apply. An offered workout requires borrower approval.","S001 §.031(1)(e)–(f), (3)–(4). No compelled modification or agreement follows."],["S_WA-P8-C020","The default notice and, for the covered residential category, holder declaration have dual-mail plus posting-or-personal-service requirements before the sale notice. Required contents include alleged default, itemized arrears/charges, reinstatement total, court recourse, role/contact information and applicable mediation language.","S001 §.030(8)(a)–(m), (9); §.031(2), (9). Sending, posting, personal service and receipt are not interchangeable."],["S_WA-P8-C021","Known death and a pre-sale-notice written successor claim activate additional notice/document-request/information duties. Timely proof can establish treatment under the section, but the statute does not require assumption or modification approval.","S001 §.030(10)–(11), complete clauses. Probate/intestacy and actual title are held."],["S_WA-P8-C022","A successor claim after sale-notice recording has a different response and information timetable; the trustee may postpone in the stated circumstances.","S001 §.040(7). The permissive postponement is not converted into an automatic stay."],["S_WA-P8-C023","Current mortgage mediation scope is recorded residential property up to four units, subject to .165(2)’s exclusions, including commercial, specified nonborrower/nonguarantor grantor, seller-finance and entity-grantor/entity-vesting branches. Current successor/dissolution provisions do not impose the former occupancy wording or an assumption duty.","S001 §.165(1)–(2), (4)–(5); S012 §6; S013 §6; S009 §4. Association mediation is a separate branch."],["S_WA-P8-C024","The institutional mediation exemption requires the specified federally insured depository category and annual perjury certification tied to no more than 250 qualifying Washington trustee sales in the preceding calendar year.","S001 §.166(1); S008 §461(b)(1)(A); S012 §7. It is not a blanket exemption for all servicers or all small beneficiaries. Nested federal institutional definitions remain held."],["S_WA-P8-C025","Mortgage mediation requires referral by a housing counselor or attorney within the statutory window, or later written voluntary agreement. The principal amended-notice rule expressly concerns a notice after a .130 stay; .008(3) uses broader wording.","S001 §§.008(2)–(3), .160(3), .163(1)–(5). No borrower self-referral or universal amended-notice reset is inferred."],["S_WA-P8-C026","The borrower’s mediation document package includes financial information, tax returns, hardship information and applicable program information, transmitted to mediator and beneficiary on the statutory timetable.","S001 §.163(6)(a). Only the public categories were read; no worksheet or private information was obtained."],["S_WA-P8-C027","The beneficiary’s package includes note/deed, balance and payment information, charges, note-ownership proof, valuation, modification-denial explanation, relevant NPV inputs and claimed investor restrictions/waiver efforts.","S001 §.163(6)(b)(i)–(x). The section says ownership proof and permits the .030 holder declaration as sufficient proof; that wording is preserved rather than silently equated."],["S_WA-P8-C028","Mediation has a department-notice, scheduling, advance-notice, attendance/authority and continuance framework. An agreed scheduling extension requires notice to the trustee of the expected certification date.","S001 §.163(5), (8)–(10). In-person attendance and remote resolution authority are distinct permissions."],["S_WA-P8-C029","Good-faith obligations include timely participation, documents and adequate settlement authority. Conditioning modification on waiver of future claims is listed as potential bad faith, subject to the express TILA-rescission and pending-claim qualifications.","S001 §.163(13)(a)–(d). No complete TILA rescission or waiver-enforceability analysis follows."],["S_WA-P8-C030","The mediator issues the specified certification after conclusion. A reasonable belief that the borrower will not attend permits the separate cancellation/notification route. Neither event adjudicates all foreclosure prerequisites.","S001 §.163(14)–(16), (18). “May proceed” remains subject to other applicable requirements."],["S_WA-P8-C031","A pre-recording referral generally prevents sale-notice recording until certification, with the stated late-certification fallback. A referral after recording prevents the sale until certification; that clause does not contain the same fallback.","S001 §.163(19)(a)–(b). Exact timing in Q13."],["S_WA-P8-C032","Beneficiary bad-faith certification supplies a rebuttable defense to the present nonjudicial foreclosure. The stated favorable-NPV/no-affordable-offer condition supplies a basis for injunction. Neither mandates a loan modification.","S001 §.163(17). Judicial foreclosure and a later foreclosure following an agreed modification and later default are expressly distinguished."],["S_WA-P8-C033","The codified mediation fee is an overrideable default, with equal party shares and a payment timetable. The actual currently authorized administrative amount remains unverified.","S001 §.163(20); S018; historical S019. Current Box guideline route failed; historical authorization is not carried forward."],["S_WA-P8-C034","The mediator has statutory qualifications/approval and a limited role. Certification and specified materials may be admissible subject to court rules; they are not automatically adjudicated facts.","S001 §.169, complete section. No mediator or court-record inquiry was performed."],["S_WA-P8-C035","The conditional owner-occupied short-sale-offer provision requires a senior beneficiary response to a qualifying pre-default-notice written offer, but preserves its choice and expressly does not change the chapter’s foreclosure periods.","S001 §.026(1)–(6). Exclusions include commercial, specified third-party-grantor, seller-financed and mediation-exempt-beneficiary branches."],["S_WA-P8-C036","Section .177 addresses an existing servicer duty under a pooling/servicing agreement and specified default/imminent-default and NPV conditions.","S001 §.177. It does not establish that every servicer has such an agreement or an unconditional duty to modify."]]},{"headers":["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],["S_WA-P8-C037","The rule’s foreclosure-referral definition reaches steps in furtherance of foreclosure, not merely delivery to an outside trustee. Rule -551(4) prohibits referral after receipt of a modification application until evaluation for all available modifications; that subsection does not use “complete.”","S021 -010(38), -551(4). No actual application or internal status was examined."],["S_WA-P8-C038","Rule -551(6) separately prohibits collection activity while a complete modification application is under review or while payments are being made under a trial/permanent modification, including activity by others on the servicer’s behalf.","S021 -551(6); S023 adopted text. Completeness and performance are predicates, not assumed facts."],["S_WA-P8-C039","The state modification rule supplies status-access, determination, deficiency-notice/correction and denial-explanation requirements for its applicable program branch.","S021 -930(1), (2)(a)–(f). Conditional HAMP/GSE references do not establish current federal-program availability."],["S_WA-P8-C040","The rule distinguishes complete applications received before the 37-day point and those submitted between the 37- and 15-day points, with review/offer-response and suspension provisions.","S021 -930(2)(f)–(i). Exact equality boundaries, applications closer to sale, and interaction with -551 remain held; no permission to foreclose is inferred from silence."],["S_WA-P8-C041","The rule provides an appeal process with stated exclusions, response timing, and written modification/forbearance confirmation duties.","S021 -930(3)–(5). No guaranteed approval follows from a procedural right."],["S_WA-P8-C042","A servicing transfer must preserve specified pending modification work and existing trial/permanent agreements under the state rule, with an express state/GSE-program-conflict qualification.","S021 -900(2). Transfer does not itself establish modification approval or cure."],["S_WA-P8-C043","Before referral, the servicer’s file must support default, foreclosure rights and ownership; after a completed foreclosure sale, the rule requires a separate borrower mailing.","S021 -935(1)–(2). File contents are a requirement, not proof that an actual foreclosure is lawful."]]},{"headers":["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],["S_WA-P8-C044","The statutory reinstatement mechanism is available to the listed borrower, grantor, guarantor, subordinate deed-of-trust beneficiary and recorded subordinate lien/encumbrance holder.","S001 §.090(1). No actual actor’s standing is established."],["S_WA-P8-C045","The operative cure subsection uses a strict “prior to” eleventh-day formulation; statutory notices use inclusive “on or before” wording. The exact boundary is held rather than resolved favorably.","S001 §§.090(1), .040(2)(d), (4); S016 §11. B16."],["S_WA-P8-C046","Monetary cure consists of amounts then due excluding principal that would not yet be due absent default, plus the specified actual enforcement expenses and reasonable fees.","S001 §.090(1)(a)–(b). Naturally matured principal is not automatically excluded; not a universal arrears-only rule."],["S_WA-P8-C047","A person entitled to discontinue may seek a fee-reasonableness determination in a court with jurisdiction other than small claims. That fee action does not itself forestall or invalidate the sale.","S001 §.090(2). Possible prevailing-party costs/fees are discretionary statutory language, not an actual award."],["S_WA-P8-C048","Qualifying cure results in discontinuance and reinstatement as though acceleration had not occurred; nonmonetary default and recording/tender requirements remain separately stated.","S001 §.090(3)–(4), (6)–(7). Cure does not erase the underlying obligation."],["S_WA-P8-C049","A recorded subordinate lienholder curing under .090 may add the authorized advances, specified interest and enforcement expenses to its lien.","S001 §.090(5). No priority or actual secured amount is adjudicated."],["S_WA-P8-C050","The statutory notice describes a later, pre-sale discontinuance route requiring the secured principal, interest, costs/fees/advances and cure of other defaults, rather than only the unaccelerated arrears.","S001 §.040(2)(d), (4), read with .090. It is not a universal tender rule overriding every other legal dependency."],["S_WA-P8-C051","The trustee’s statutory written reinstatement/payoff-response requirement and the covered servicer’s payoff-response rule have different actors and units.","S001 §.040(4); S021 -550(1). Q28."],["S_WA-P8-C052","Covered servicing fees require the stated authorization and default-service reasonableness; third-party charges may not exceed actual payment. Rules also prohibit specified unagreed charges and use of suspense funds for the servicer’s own fees.","S021 -567; -551(1)(d), (3)(c), (5). This is not a dollar tariff for all trustee expenses."],["S_WA-P8-C053","Statute and rule impose fee-assessment and mailed-explanation timing, with the statement alternative where stated.","S022 §31.04.290(1)(a); S021 -900(3)(e). Q29."],["S_WA-P8-C054","Payment crediting and suspense treatment have specific receipt, information, timing and full-payment conditions; they are not equivalent to statutory reinstatement.","S022 §31.04.290(1)(b); S021 -900(3)(a)–(d). Written-hold and bankruptcy-order qualifications are not extended beyond their text."],["S_WA-P8-C055","The statute requires its general information statement within 15 business days; the regulation states 30 business days or the specified program timeline. A separate detailed-document track states 15 business days and limited repeat-request charges.","S022 §31.04.290(1)(d), (2); S021 -920(1)–(5); S023. No permission to use the longer period is inferred. Both texts also require correction/refund of identified servicing errors."]]},{"headers":["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],["S_WA-P8-C056","The sale-notice lead time depends on whether the .031 letter is required, and a separate default-to-sale minimum also applies.","S001 §.040(1), (12). These are cumulative predicates, not alternative universal sale dates."],["S_WA-P8-C057","Sale-notice recording, dual mailing, recipient selection and occupant posting/service are separate statutory acts. Recipient categories include specified recorded interests, requesters and occupants, subject to the statute’s knowledge/address and foreclosure-interest qualifications.","S001 §.040(1)(a)–(e), (14); §.045. A recording or one mailing alone is not full compliance."],["S_WA-P8-C058","Notice of default, notice of trustee’s sale and notice of foreclosure have different content and delivery functions. The foreclosure notice includes the specified note/deed material. A beneficiary/servicing transfer alone does not require a new sale notice under .040(2).","S001 §§.030(8), .040(2)–(4). Other transfer duties remain; no actual notice is approved."],["S_WA-P8-C059","Publication has two specified sale-relative windows; unknown-heir notice has an additional conditional publication route.","S001 §.040(5)–(6). The heir route requires its diligence/successor predicates."],["S_WA-P8-C060","The sale is a public auction at a designated public place in the property’s county, on the stated weekday/holiday rule and during incorporated hours.","S001 §.040(8)–(9); S002 §6.21.050(1), hours only. No actual scheduling permission."],["S_WA-P8-C061","Property may be offered whole or in parcels; the trustee cannot bid. Beneficiary credit bidding is limited to the secured monetary obligation, with excess payable as specified; other bidders’ payment forms are separately stated.","S001 §§.040(8), .070. No bid, title or distribution is calculated."],["S_WA-P8-C062","Discretionary continuances under .040(10) have an aggregate limit and alternative proclamation/mail or notice/publication mechanisms.","S001 §.040(10)(a)–(b). Neither unlimited extensions nor one universal notice period is established."],["S_WA-P8-C063","Specified interested persons may seek court restraint on proper legal or equitable grounds, with statutory advance notice and proof-of-service requirements.","S001 §.130(1)–(2). This is a generic statutory remedy gateway, not advice to file or a finding that relief is available."],["S_WA-P8-C064","Court restraint may require recurring payments/security under the section, with distinct treatment of periodic-payment, fully matured and nonmonetary defaults and consideration of equity.","S001 §.130(1)(a)–(c). No required payment amount is supplied."],["S_WA-P8-C065","Dissolution of an injunction and the specified bankruptcy-stay event have separate new-setting/notice provisions; a properly continued sale may instead use the statute’s stated alternative.","S001 §.130(3)–(6). Continuing a date is not permission to conduct a sale during a stay. Federal predicates remain held."],["S_WA-P8-C066","Physical delivery of the deed conveys the described grantor interests. The accepted bid is final as of acceptance if the deed is recorded within the stated period, subject to statutory rescission; the state section supplies no post-sale redemption right.","S001 §.050(1)–(2). Federal or other independent rights are not resolved."],["S_WA-P8-C067","The authorized trustee/beneficiary/agent may void a sale within the specified period for the listed process-error, prior loss-mitigation agreement, or accepted full-cure/satisfaction grounds.","S001 §.050(2)(a). This is discretionary statutory authority, not an automatic borrower reversal right."],["S_WA-P8-C068","Statutory rescission has separate refund and dual-mail notice clocks. The specified error/agreement grounds permit a reset only with the new minimum date and notice/publication conditions.","S001 §.050(2)(b)–(d). The accepted-cure ground is not silently added to the reset authorization."],["S_WA-P8-C069","Trustee-deed recitals have the stated evidentiary effect, including protection of qualifying bona fide purchasers. An interest whose holder did not receive required notice is not affected as specified by .040(11).","S001 §.040(11). No actual purchaser status, title priority or universal cure of defects is established."],["S_WA-P8-C070","Sale proceeds first pay authorized sale expenses, subject to the stated aggregate reasonableness benchmark for trustee/attorney fees, then the secured obligation.","S001 §.080(1)–(2). This distribution fee benchmark is distinct from .090 reinstatement expenses."],["S_WA-P8-C071","Remaining proceeds follow the clerk-deposit, notice and court-disbursement process. Eliminated liens attach to surplus in court-determined priority; surplus is not automatically payable entirely to the borrower.","S001 §.080(3). Motion notice and hearing period appear in Q41."],["S_WA-P8-C072","The section states a conditional twentieth-day possession gateway against specified non-tenant occupants/interests after required notices.","S001 §.060(1). Tenant rights and chapter 59.12 procedure remain open; no eviction or possession instruction follows."],["S_WA-P8-C073","Reconveyance under .110(1) has its own written-request/satisfaction conditions. A deficiency bar, cure, discontinuance and reconveyance are not treated as interchangeable events.","S001 §.110(1). Separate release clocks are excluded."],["S_WA-P8-C074","Former .048’s homeowner-assistance-program postponement regime is officially marked expired under the enacted closure-based expiration clause.","S020 disposition entry; S012 §§9, 12–13. Exact program-closure/expiration date and required written notice were not authenticated; the old pause is not presented as current."]]},{"headers":["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],["S_WA-P8-C075","After a trustee sale under the deed of trust, deficiency judgment on its secured obligations against borrower, grantor or guarantor is barred except to the extent .100 permits for commercial loans.","S001 §.100(1). This is tied to the obligation secured by the deed actually sold under."],["S_WA-P8-C076","The chapter preserves an action on liability before sale notice or after discontinuance, and permits later foreclosure after completion or dismissal of that action, subject to other requirements.","S001 §.100(2). No actual enforcement election is made."],["S_WA-P8-C077","The post-1998 commercial borrower/grantor exception is limited by beneficiary/affiliate purchase, fair-value shortfall, timely notice and specified waste/wrongfully retained proceeds; it excludes the borrower’s principal residence at sale.","S001 §.100(3)(a). It is not a general commercial-borrower shortfall remedy."],["S_WA-P8-C078","A commercial guarantor deficiency branch requires timely .042 notice and the other .100 conditions. Omission of that special notice does not itself invalidate other notices or the trustee sale.","S001 §§.100(3)(c), .042, complete sections."],["S_WA-P8-C079","The specified commercial deficiency actions have a one-year sale-based period, qualified by later written agreement after foreclosure notice and statutory prohibition periods; multiple qualifying sales use the last sale.","S001 §.100(4). This is the route-specific clause only; no P3 limitations analysis or actual deadline is supplied."],["S_WA-P8-C080","The commercial-guarantor fair-value mechanism is adjudicative and uses the statutory deduction relation, contractual interest and authorized costs. Fair value has a sale-date, prior-encumbrance and market-exposure definition.","S001 §§.005(8), .100(5); S006. Symbolic relation in Q44; not a bid-price-only calculation."],["S_WA-P8-C081","Commercial other-collateral enforcement is preserved; if other security is sold before guarantor deficiency judgment, its fair value is added under the specified valuation rule.","S001 §.100(3)(b), (5). Full collateral priority and enforcement regimes remain open."],["S_WA-P8-C082","A guarantor who gives a deed of trust securing its commercial guaranty has the narrower stated liability branch; if that deed encumbers the guarantor’s principal residence, the statute provides up to $125,000 from the accepted bid before application to the guaranty obligation.","S001 §.100(6); S005 §6.13.080(2); S014 §7. This fixed provision is not replaced by a county-based homestead figure."],["S_WA-P8-C083","Acceptance of a deed in lieu under a commercial-loan deed of trust exonerates the guarantor except to the extent the guarantor agrees otherwise as part of that transaction.","S001 §.100(7). No actual agreement or transaction is examined."],["S_WA-P8-C084","Express contract language may prohibit recovery of some or all commercial deficiency after trustee sale.","S001 §.100(9). No waiver or contract term is presumed."],["S_WA-P8-C085","The commercial trustee-sale rule does not preclude enforcement of an obligation, or its substantial equivalent, that was not secured by the foreclosed deed of trust.","S001 §.100(10). Whether an obligation is genuinely separate remains held."],["S_WA-P8-C086","Unless otherwise agreed, a trustee sale does not impair the guarantor’s specified reimbursement right against borrower or grantor.","S001 §.100(11). No actual reimbursement entitlement is decided."],["S_WA-P8-C087","Section .100 preserves prior law for the stated commercial instruments/guaranties executed before June 11, 1998; the affirmative exception uses “after” that date.","S001 §.100(3), (12); S016 §12. The exact-date boundary and complete prior regime remain held."],["S_WA-P8-C088","For its owner-occupied, noncommercial scope, .127 preserves specified damages claims despite failure to enjoin, but limits the route to monetary relief and the earlier stated filing period; it does not authorize title invalidation through that section.","S001 §.127(1)–(4). Full claim elements, CPA remedies and judicial construction remain open."],["S_WA-P8-C089","Section .135(1) addresses specified bid collusion and permits the trustee to decline completion/delivery and refund under its stated concerns, with express exceptions.","S001 §.135(1)(a)–(d). Ordinary as-is statements, specified financing and good-faith agreements are not automatically collusion."],["S_WA-P8-C090","The statute identifies specified mediation/contact/funding violations as CPA violations, but that designation is not an adjudication of all private-remedy elements or an automatic completed-sale reversal.","S001 §.135(2). Obsolete .173/.174 references are not treated as current duties."]]},{"headers":["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],"index":11,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources/pinpoints; conditions and limits"],["S_WA-P8-C091","The relevant 2025 amendments have distinct January 1, 2026 current and January 1, 2028 future/expiration branches. Future wording was not substituted for the current body.","S009 §§19–20; S010 §§35–36; S011 §512. Full future association-law coverage is excluded."],["S_WA-P8-C092","The .190 funding exemption uses a different event and strict threshold from the .166 mediation exemption; its reporting/payment duty is not a borrower cure charge.","S001 §.190(1)–(4); S012 §8. Notices of default and completed trustee sales are not interchangeable counts."],["S_WA-P8-C093","The 2026 amendment concerns .157’s loan-closing funding fee and its exclusions; it does not create a foreclosure reinstatement fee.","S026 §1, effective June 11, 2026; S001 §.157. Incorporated public-financing-program eligibility remains outside this pass."],["S_WA-P8-C094","The generic RCW computation rule and the WAC business-day definition have different scopes. Neither supports an invented universal foreclosure calendar convention.","S003; S004; S021 -010(7). Backward counting, special statutory language and court-rule interaction remain held where not resolved by the read text."]]},{"headers":["ID","Quantity/base and source-stated relation","Actor/reference event; strict/inclusive boundary; exception/counting limit","Claims/source"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Quantity/base and source-stated relation","Actor/reference event; strict/inclusive boundary; exception/counting limit","Claims/source"],["Q01","Up to four residential units in the express residential branches; .040’s occupant-notice branch uses fewer than five units.","These are property-category boundaries, not proof of occupancy or consumer purpose. General .005 residential definition remains distinct.","C004, C011, C016, C023, C057; S001 §§.005, .030, .031, .040(1), .165."],["Q02","Domestic trustee entity branch: at least one officer resident in Washington.","Only that eligibility branch; does not replace incorporated entity-law conditions.","C005; S001 §.010(1)(a)."],["Q03","Initial statutory paragraph: no less than 12-point, bold; at least three telephone attempts, at different hours/on different days; follow-up after 14 d of no response following completion of call requirements.","Beneficiary/authorized agent. Disconnected-number/live-representative qualifications apply. Contact calls are not the meeting.","C017; S001 §.031(1)(c), (5)."],["Q04","NOD restriction: 30 d after satisfying due diligence with no response, or 90 d after initial contact initiated if response. Elsewhere initial contact is deemed 3 d after sending, and no-response language uses 30 d after initial contact.","These reference events differ. No single derived date is supplied.","C018; S001 §.031(1)(a), (d)."],["Q05","Letter: response within 30 d of letter date, an additional 60 d to meet upon response; letter also states 90 d from letter. Written in-person request: within 30 d of initial contact.","Letter date, sending, deemed contact and request are kept separate.","C017–C019; S001 §.031(1)(c)–(f), (4)."],["Q06","NOD/declaration at least 30 d before sale-notice recording/transmission/service. NOD warning refers to cure within 30 d of mailing or personal service, and auction no less than 120 d, or 150 d if letter received, in the future.","Warning wording is not substituted for .040’s actual sale-notice and default-to-sale requirements.","C020, C056; S001 §.030(8)(g)."],["Q07","Pre-NOS successor process: response/death-proof request 30 d from request; ownership-proof request period 60 d; required information 20 d after timely proof received.","Distinct request, proof and receipt events. Proof already held need not be re-requested as specified.","C021; S001 §.030(11)(a)–(c)."],["Q08","Post-NOS successor process: proof request within 5 d; ownership proof received more than 45 d before sale activates information at least 20 d before sale.","“More than” excludes equality in that clause. Postponement is permissive, not automatic.","C022; S001 §.040(7)."],["Q09","Mediation referral after NOD and no later than 90 d before listed sale; specified amended notice no later than 25 d before listed sale. Statutory notices expressly use calendar days and refer to an amended 45-day notice.","Exact 90/25 boundaries are inclusive as “no later than”; qualification discrepancy between .008(3) and stay-qualified clauses is held.","C025; S001 §§.008, .030(8)(k), .040(3), .160(3), .163(2)."],["Q10","Commerce action within 10 d of referral notice receipt; borrower documents 23 d from department notice; beneficiary documents 20 d from borrower-document receipt.","Separate actors and triggers; not a single combined response period.","C025–C028; S001 §.163(5)–(6)."],["Q11","Borrower tax returns: previous two years. Beneficiary balance: accurate within 30 d of document due date. Payment history: 12 months or since default, whichever longer. Valuation: not more than 90 d old at mediation. Economic review: previous 60 d or longer if mediator determines.","Document freshness/lookback periods, not foreclosure waiting periods. NPV/program incorporations remain held.","C026–C028; S001 §.163(6), (11)."],["Q12","Session within 70 d of mediator receiving department referral; session notice at least 30 d before; mediator may continue once, further continuances require party consent.","Agreed scheduling extension allowed with specified trustee notification.","C028; S001 §.163(8)–(10)."],["Q13","Certification 7 business days after conclusion. Pre-NOS late-certification fallback permits recording after 10 d from certification due date.","The post-NOS no-sale clause has no matching ten-day fallback. Chapter-specific business-day construction not supplied by the WAC definition.","C030–C032; S001 §.163(15), (19)."],["Q14","Statutory mediation default not more than $400 for 1–3 hours, subject to waiver/agreement/department authorization; longer mediation subject to reasonable authorized fee. Each party pays one-half. Tender 30 calendar days after department-letter receipt or mediator instructions.","party share = authorized applicable fee ÷ 2; no fee substituted. Current administrative authorization held.","C033; S001 §.163(20)."],["Q15","Historical May 1, 2016 guidelines authorized $600 for 1–3 hours.","Historical amount only; it is neither the verified current amount nor proof that the statutory default is the current operative charge.","C033; S019, printed pp.27–29/indexes 31–33."],["Q16","Current institutional mediation exemption: not more than 250 qualifying sales in preceding calendar year; annual certification no later than January 31; current branch begins January 1, 2024.","Count is completed qualifying Washington trustee sales, not NODs. Exactly 250 is included. Historical 2023 branch is not used for 2026.","C024; S001 §.166(1); S012 §7."],["Q17","Conditional senior-beneficiary short-sale response: within 120 d of receipt of qualifying written offer/agreement.","Offer must precede NOD; section does not alter other foreclosure periods.","C035; S001 §.026."]]},{"headers":["ID","Quantity/base and source-stated relation","Actor/reference event; boundary/exception/counting limit","Claims/source"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Quantity/base and source-stated relation","Actor/reference event; boundary/exception/counting limit","Claims/source"],["Q18","WAC business day: Monday–Friday excluding federally recognized bank holidays.","Applies to the rule chapter’s definition; not automatically imported into every RCW mediation clause.","C094; S021 -010(7)."],["Q19","Modification status system update every 10 business days; completed-application determination 30 d after receipt; deficiency correction opportunity 10 business days from notice.","Covered state servicing rule; program applicability and completeness remain predicates.","C039; S021 -930(2)(a), (b), (e)."],["Q20","Denial/rebuttal and internal review provisions use 30 d; appeal generally 30 d from written denial notice, response 30 d after appeal receipt.","Source contains distinct denial-determination/mailing references and specified appeal exclusions. They are not collapsed.","C039, C041; S021 -930(2)(c), (3)."],["Q21","Complete application prior to 37 d before sale versus between 37 and 15 d before sale; offer response 14 d.","Equality at the stated boundaries and applications closer to sale remain held; no silence-based permission. Acceptance/suspension clauses and -551 still matter.","C040; S021 -930(2)(f)–(i)."],["Q22","Executed modification copy 30 d after receipt of signed agreement; oral modification written confirmation 30 d after approval.","Separate agreement/approval events; does not prove enforceability of an actual modification.","C041; S021 -930(4)."],["Q23","Servicer post-sale mailing within 3 business days of completed sale.","Last known supplied address as specified; separate from trustee notices and deed delivery.","C043; S021 -935(2)."],["Q24","Reinstatement cutoff: prior to the eleventh day before scheduled or actually continued sale; statutory forms say on or before the eleventh day.","Strict/inclusive discrepancy expressly unresolved.","C045; S001 §§.090(1), .040(2)(d), (4)."],["Q25","statutory monetary cure = amount then due − principal not then due absent default + actual authorized enforcement expenses + reasonable trustee/attorney fees + discontinuance-recording costs.","All noticed defaults and actor/timing/tender predicates apply. No fixed percentage, CPI adjustment or universal arrears-only amount established.","C046–C048; S001 §.090(1)–(4), (6)–(7)."],["Q26","Authorized subordinate-lien cure advances bear 8% per annum, with the additional stated costs/fees.","Applies to the statutory advance/lien branch, not the underlying loan’s general interest rate. Compounding/day-count convention not stated here.","C049; S001 §.090(5)."],["Q27","Later pre-sale notice-described tender includes full secured principal, interest, costs/fees/advances and other defaults.","Before sale; no numerical amount or universal post-cutoff right inferred beyond the text.","C050; S001 §.040 statutory notices."],["Q28","Trustee written reinstatement/payoff response 10 d after written-request receipt; covered servicer payoff 7 business days after written request.","Different actors, units and scope.","C051; S001 §.040(4); S021 -550(1)."],["Q29","Covered servicing fee assessed within 45 d incurred; explanation mailed no later than 30 d after assessment. Third-party charge ≤ actual amount paid.","Authorization/reasonableness still required; statement alternative where stated.","C052–C053; S022 §31.04.290(1)(a); S021 -567, -900(3)(e)."],["Q30","Payment credited/treated as credited within 1 business day of qualifying receipt; uncredited-payment notice mailed within 10 business days; sufficient suspense accumulation applied as of availability.","Correct destination/information, early-payment, written-hold and bankruptcy-order qualifications remain.","C054; S022 §31.04.290(1)(b); S021 -900(3)."],["Q31","General information statement: statute 15 business days, rule 30 business days or stated program timeline. Detailed documents: 15 business days; history minimum two years or shorter servicing period, extended to earlier claimed delinquency as stated. One annual request free; $30 for second/subsequent request under the rule.","Request-content predicates apply. No conclusion that the longer regulatory period displaces the statute.","C055; S022 §31.04.290; S021 -920; S023."]]},{"headers":["ID","Quantity/base and source-stated relation","Actor/reference event; boundary/exception/counting limit","Claims/source"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Quantity/base and source-stated relation","Actor/reference event; boundary/exception/counting limit","Claims/source"],["Q32","Sale notice at least 90 d before sale, or 120 d if .031 letter required; sale not less than 190 d from default.","Separate minimums; letter “required” in .040 is not replaced by the NOD warning’s “received” wording.","C056; S001 §.040(1), (12)."],["Q33","Publication on/between 35th–28th days and 14th–7th days before sale.","Inclusive windows as stated; separate publication occurrences.","C059; S001 §.040(5)."],["Q34","Conditional unknown-heir publication once weekly for three consecutive weeks, completed at least 30 d before actual sale.","Requires the specified reasonable-diligence and successor conditions.","C059; S001 §.040(6)."],["Q35","Sale Friday; if legal holiday, following Monday; incorporated hours 9 a.m.–4 p.m.","Only hours imported from execution statute. No additional holiday adjustment invented if the following Monday also presents an issue.","C060; S001 §.040(9); S002."],["Q36",".040 continuances: aggregate ≤120 d. Proclamation route: continuation ≤7 d requires mail at least 4 d before new sale; continuation >7 d requires mail no later than 3 d after proclamation. Alternative route: specified notice plus one publication more than 7 d before new date.","Strict “more than” publication boundary preserved. Does not govern every court-reset mechanism.","C062; S001 §.040(10)."],["Q37","Restraint application notice 5 d; competent-witness service-proof branch age 18 or older. Periodic restraint payments/security measured at 30-day intervals as stated.","Sheriff/deputy alternative; court conditions differ for matured/nonmonetary obligations. No payment calculation.","C063–C064; S001 §.130(1)–(2)."],["Q38","Court/stay reset: new sale at least 45 d after qualifying order/event, specified notice at least 30 d before sale, plus publication windows.","Exact .130 branch and valid prior continuation must be established; federal stay event held.","C065; S001 §.130(3)–(5)."],["Q39","Bid-finality relation conditioned on deed recording within 15 d of acceptance, subject to .050(2).","Physical delivery, recording and acceptance are distinct events.","C066; S001 §.050(1)."],["Q40","Statutory voiding up to the 11th day following sale; refund no later than third day after postmarked rescission mailing; rescission notice no later than 15 d following voided sale date. Permitted reset at least 45 d after rescission mailing, with specified notice at least 30 d before and ordinary publication windows.","Only listed grounds; reset authorization limited to stated grounds. Mailing/postmark/sale date are not conflated.","C067–C068; S001 §.050(2)."],["Q41","Sale trustee/attorney fees in aggregate ≤ reasonable attorney fee the county superior court would deem proper for uncontested mortgage foreclosure. Surplus-motion notice at least 20 d before hearing.","Different from reinstatement fee standard; surplus requires statutory deposit/notice/court priority and order.","C070–C071; S001 §.080."],["Q42","Conditional non-tenant possession gateway on 20th day after sale.","Required notices and category predicates; no tenant or eviction conclusion.","C072; S001 §.060(1)."],["Q43","Specified commercial deficiency action within one year after sale, qualified by post-notice written extension and statutory prohibited-action periods; multiple qualifying sales use last sale.","No universal limitation or actual filing date. Exact counting and other law held.","C079; S001 §.100(4)."],["Q44","guarantor deficiency relation = guarantor amount owed at sale − greater of statutory fair value or sale price + specified contractual interest on deficiency + contract-authorized costs/expenses/fees.","Requires an allowable deficiency branch and adjudicative fair-value determination. Other-security fair-value addition is separately prescribed. No zero floor, rate, rounding or amount invented.","C080–C081; S001 §§.005(8), .100(5)."],["Q45","Guarantor-principal-residence provision: up to $125,000 from accepted bid before application to guaranty obligation.","Specific .100(6) branch; no homestead indexing/substitution or automatic full payment.","C082; S001 §.100(6); S014."],["Q46",".127 damages action: earlier of two years from foreclosure sale or the applicable claim limitation.","Only that section’s owner-occupied/noncommercial monetary-claim branch. No actual deadline or general P3 rerun.","C088; S001 §.127(2)."],["Q47",".190 report/payment: $250 per property, not per notice; 45 d after calendar-quarter end. Institutional funding exemption uses fewer than 250 NODs in preceding calendar year.","Strict <250 and NOD base differ from mediation’s ≤250 sales. No borrower pass-through inferred.","C092; S001 §.190; S012 §8."],["Q48",".157 funding provision uses $80 at loan closing, with statutory exclusions.","Closing-stage funding provision; not added to cure. The 2026 reverse-mortgage/chattel/public-finance exceptions are not an actual eligibility determination.","C093; S001 §.157; S026."],["Q49","Generic RCW rule excludes first day, includes last, excluding a last Saturday/Sunday/legal holiday as stated.","No universal backward-counting, business-day or procedural-extension result supplied.","C094; S003–S004."],["Q50","Effective/application dates and historical version boundaries are the dates recorded in S009–S017, S023–S024 and S026.","These are legal-version events, not borrower deadlines. Historical 2023 institution rules and expired HAF provisions are not substituted for current law.","C023–C024, C074, C087, C091–C094."]]},{"headers":["Branch","Supported conditional consequence","Missing predicate/authority","Adverse inference to avoid","Exact next generic inquiry"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Supported conditional consequence","Missing predicate/authority","Adverse inference to avoid","Exact next generic inquiry"],["B01 — Instrument and obligation","C001/C008 apply only when the qualifying security instrument, activating default and statutory prerequisites exist.","Actual validity, enforceability, terms and default are outside this public-text inquiry.","A recorded instrument proves entitlement to foreclose.","Generic incorporated instrument/obligation rules only, if separately authorized; no actual instrument examination in this pass."],["B02 — Agricultural branch","C009 requires judicial foreclosure when the statutory statement is false at both specified times.","Meaning/application of principal agricultural use and both temporal predicates.","Any agricultural association, or a label alone, settles the route.","Complete generic agricultural-use and judicial-foreclosure gateway authorities; judicial construction remains separately held."],["B03 — Trustee qualification","C005–C007 distinguish eligibility, appointment and duties.","Recodified Title 30 and repealed chapter 25.04 incorporations; complete entity/title-agent qualification provisions.","A corporate/attorney affiliation or trustee label proves qualification.","Read the exact recodification/replacement and qualification statutes; no entity or roster lookup."],["B04 — Holder, owner and agent","C002/C011/C027 preserve holder proof and mediation ownership wording.","Full negotiable-instrument/agency construction and any actual authority.","Holder, owner, recorded beneficiary, servicer and agent are interchangeable.","Generic UCC/agency incorporations needed to reconcile these statutory roles; no named case or loan inquiry."],["B05 — Residential, commercial, occupancy and entity scope","C004/C016/C023 apply different category tests.","Loan purpose, unit category, principal-residence status, grantor/vesting category and relevant event.","All residential property is consumer debt; all mediation requires owner occupancy.","Compare complete current scope clauses and material transition text only; actual classification remains excluded."],["B06 — Initial-contact clocks","C018 preserves each statutory reference event.","Reconciliation of .031(1)(a), (c), (d), and (4).","The shortest formulation authorizes a default notice.","Any formal public interpretation addressing this exact interaction; judicial construction requires a later separately authorized inquiry."],["B07 — Successor treatment","C021–C023 provide conditional information/referral treatment.","Statutory proof, intestacy/title incorporation, timing and authority to represent interests.","Information access or mediation treatment equals accepted assumption or proven title.","Complete generic chapter 11.04 and relevant successor-law incorporations only."],["B08 — Institutional mediation exemption","C024 requires category plus annual certification and the sales threshold.","Nested federal institutional definitions and satisfaction of certification predicates.","A general bank/servicer exemption or a low NOD count establishes mediation exemption.","Read nested definitions in 12 U.S.C. §461(b)(1)(A) and current generic Commerce certification instructions; no institution lookup."],["B09 — Amended-notice mediation window","C025 establishes the stay-qualified 25-day branch and preserves broader .008(3) wording.","Reconciliation of the provisions and qualification of the amended notice.","Every continuation or amended notice automatically renews referral eligibility.","Formal interpretation of .008(3), .160(3), .163(2), .040(3) together; no actual notice."],["B10 — Current mediation fee","C033/Q14 establish statutory default and override authority.","Current operative department fee authorization; linked current guideline failed.","Historical $600 or statutory $400 is necessarily the current payable fee.","A materially different ordinary public official copy of current Commerce authorization/guidelines, with effective/application clause."],["B11 — Certification and sale restraint","C031 differentiates pre-NOS fallback from post-NOS no-sale condition.","Referral timing, certification status and all other prerequisites.","Every missing certification permits recording/sale after ten days.","Read any current formal implementation guidance addressing these exact two clauses; no actual certification."],["B12 — NPV and program incorporations","C027/C032 recognize required inputs and an injunction basis.","Current applicable federal/FDIC/department calculation, program scope and inputs.","A favorable NPV automatically grants modification or establishes eligibility.","Complete applicable public calculation/program definitions and successor guidance; no values entered."],["B13 — CLA scope and old rule cross-reference","C012–C013 limit the WAC overlay by statutory coverage/exclusions.","Exact exemption, waiver scope and 2024 prospective application; WAC -104 retains the older subsection reference.","All servicers are covered, or every license exemption eliminates all duties.","Reconcile current RCW .025(4) with -104 and any adopted corrective rule; no license investigation."],["B14 — Application completeness and late timing","C037–C040 distinguish -551(4), -551(6) and -930.","Meaning of application/completeness, equality at 37/15 days, and closer-to-sale applications.","An incomplete or late application necessarily permits foreclosure.","Formal public DFI interpretation or operative amendments addressing those precise interactions; court construction held."],["B15 — Information-response conflict","C055 records statute 15 versus rule 30 business days.","Authoritative reconciliation and any later amendment.","The longer rule affirmatively permits delay beyond the statute.","Current enacted text, adopted DFI amendments and formal interpretation of RCW 31.04.290(1)(d)(ii) versus WAC -920(1)(b)."],["B16 — Eleventh-day cutoff","C045 preserves strict versus inclusive wording.","Judicial/formal construction of .090 versus .040 forms.","An inclusive last-day cure right is settled merely because the form says so.","Exact generic interpretive authority for the discrepancy; no actual deadline calculation."],["B17 — Cure base and fee review","C046–C050 separate unaccelerated cure, full tender, costs and fee litigation.","Natural maturity, nonmonetary defaults, authorized expenses and reasonableness.","“Arrears only” always suffices, or fee litigation pauses sale.","Complete generic rules governing the identified expense/maturity question; no loan terms or calculations."],["B18 — Continuation versus new setting","C062/C065 give distinct mechanisms.","Prior valid notice, aggregate continuances, qualifying court/stay event and required renotice.","Every reset erases the 120-day limit, or that limit governs every statutory reset.","Read any operative generic rule/formal interpretation distinguishing .040(10) and .130(3)–(5)."],["B19 — Completion versus statutory rescission","C066–C068 distinguish bid acceptance, delivery, recording and authorized voiding.","Listed rescission ground, actor authority and timing.","A defect automatically reverses a completed sale or creates a borrower rescission election.","Complete public interpretation of .050’s limited grounds and interaction with other remedies; no sale record."],["B20 — Proceeds, fees and surplus","C070–C071 establish statutory order and court-controlled surplus.","Valid expenses, lien interests, priority and entitlement.","Surplus automatically belongs wholly to borrower, or sale shortfall is automatically enforceable.","Generic priority/distribution incorporations in a separate pass; no title, lien or amount inquiry."],["B21 — Commercial vintage and guarantor branch","C077–C087 depend on purpose, role, notice, instrument date and collateral category.","Exact June 11, 1998 boundary; complete prior regime; guarantor’s own security versus another deed.","All commercial borrowers or guarantors owe the mathematical shortfall.","Read pre-1998 enacted regime and exact-date application authority; no guaranty or loan examined."],["B22 — Fair value","C080–C082 require statutory valuation and branch-specific treatment.","Adjudicated fair value, prior encumbrances and additional-security treatment.","Sale price equals fair value, or fixed $125,000 can be replaced with a general homestead index.","Generic valuation and incorporated upset-price provisions only; no appraisal or numerical example."],["B23 — Nonwaiver and remedies","C088–C090 preserve specified limited claims/designations.","Full cause-of-action elements, defenses, proof, and remedy restrictions.","Every defect survives sale, invalidates title or guarantees damages.","Complete generic CPA/remedy text and later judicial-construction component if authorized."],["B24 — Expired assistance pause","C074 treats .048 as expired.","Exact permanent-closure event and commission’s statutory written notice to the Code Reviser.","Old program language remains current, or a failed search proves no other assistance protection.","Ordinary official publication of that expiration notice/event; no application or contact."],["B25 — Federal servicing","State clauses may coexist with independently applicable federal law.","Complete current Regulation X/Z scope, exclusions, definitions, loss-mitigation and servicing clauses and amendments.","State timing displaces federal protection, or a federal threshold is universally applicable.","Separate generic reading of relevant 12 C.F.R. parts 1024/1026 with all scope exceptions. No CFPB guidance used here."],["B26 — Bankruptcy and SCRA",".025 incorporates SCRA; .130/.100 recognize specified federal-law events.","Complete federal operative statutes, applicability, exceptions and effective provisions.","State reference proves an actual stay, discharge, military protection or permission to proceed.","Complete generic SCRA and bankruptcy provisions for the exact interface; no status or docket inquiry."],["B27 — Tenancy/possession","C072 is only the non-tenant statutory gateway.","Chapter 59.18/59.12 and any federal tenant protection; category and notice predicates.","Twentieth-day language is universal eviction authority.","Separate generic postforeclosure tenancy/possession component."],["B28 — Title, family, probate and territorial law","Recording, county venue and role definitions are established textually.","Title, community property, probate, priority, tribal/local/interstate and federal-lien dependencies.","County recording or deed delivery resolves ownership, jurisdiction or priority.","Separate generic governing texts; no land records or identifying facts."],["B29 — Version and judicial status","C091 establishes checked current/future statutory branches.","Complete future association implementation, any later unlocated amendment, and unsearched judicial status/construction.","Search absence proves no amendment, stay, vacatur or contrary construction.","Ordinary current official legislative/rule status update and separately authorized judicial-construction inquiry."]]},{"headers":["Provision/source","Version/application clause","Scope predicate","Actor","Trigger event","Unit/boundary","Required act or consequence","Exception/incorporation","Missing authority"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Provision/source","Version/application clause","Scope predicate","Actor","Trigger event","Unit/boundary","Required act or consequence","Exception/incorporation","Missing authority"],["","","","","","","","",""],["","","","","","","","",""],["","","","","","","","",""],["","","","","","","","",""],["","","","","","","","",""],["","","","","","","","",""],["","","","","","","","",""],["","","","","","","","",""]]},{"headers":["Requested component/subquestion","Status in this pass","Source/claim/branch links","Exact retained gap or next inquiry"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested component/subquestion","Status in this pass","Source/claim/branch links","Exact retained gap or next inquiry"],["1 — Instrument/security route","Answered textually","S001 .020; C001, C008","Actual instrument, obligation validity and default excluded; B01."],["1 — Beneficiary/borrower/grantor/guarantor/agent roles","Answered definitions; construction partial","C002–C004, C011, C027","Holder/owner/agency incorporations; B04."],["1 — Trustee eligibility and successor appointment","Answered statutory categories; incorporation partial","C005–C007","Replacement entity/licensing texts; B03."],["1 — Residential/consumer/commercial/agricultural distinctions","Answered textually","C004, C009, C016, C023","Actual category and temporal predicates excluded; B02/B05."],["1 — Territorial, recording and physical-presence conditions","Answered specified clauses","C008, C060","Full jurisdiction/interstate/tribal/title law held; B28."],["1 — Judicial alternative and mixed collateral","Bounded gateway answered","C014–C015; S006–S007","Full judicial foreclosure, execution, redemption, Article 9 and priority remain open."],["2 — Contact and due diligence","Answered operative duties","C016–C019; Q03–Q05","Reference-event reconciliation; B06."],["2 — NOD/holder declaration/content/delivery","Answered current clauses","C011, C020","No actual truth, authority or compliance; B01/B04."],["2 — Death/successor notices and documents","Answered procedural text","C021–C022","Title/intestacy/assumption qualification; B07."],["2 — Mediation scope/exclusions","Answered state text; federal category partial","C023–C025","Nested institution definitions and exact amended-notice interaction; B08/B09."],["2 — Referral/documents/session/certification","Answered","C025–C032","Applicable NPV program and formal reconciliation; B11/B12."],["2 — Mediation fee","Partial/held current administrative amount","C033; Q14–Q15","Current operative Commerce authorization; B10 and F01."],["2 — Declaration/certification versus adjudication","Answered boundary","C011, C027, C030, C034","Evidentiary construction and actual proof held."],["3 — Cure eligibility/base/reinstatement/tender","Answered text; cutoff unresolved","C044–C050","Eleventh-day wording and specific maturity/expense questions; B16/B17."],["3 — Payoff/information/payment/expense safeguards","Answered; statutory/rule response conflict held","C051–C055","B15; actual fees, payments and accounts excluded."],["3 — State modification/loss mitigation","Answered conditional state framework","C037–C043","CLA scope, completeness/late timing, federal program incorporations; B13/B14/B25."],["3 — Short sale/pooling agreement","Bounded statutory interface answered","C035–C036","No approval, contractual duty or actual agreement inferred."],["3 — Redemption versus discharge","State nonjudicial clause answered; other regimes held","C048, C066, C073, C075","Independent federal/judicial redemption or discharge; B25/B26."],["4 — Sale setting and recipients","Answered","C056–C058; Q32","No actual schedule or notice validation."],["4 — Publication/heirs/occupant notice","Answered generic requirements","C057–C059","Diligence/title/tenant predicates held."],["4 — Conduct/bids/place/hours","Answered statute","C060–C061","No bidding, payment or sale instruction."],["4 — Continuance and additional notice","Answered separate mechanisms","C062; Q36","Exact branch interaction/actual prior compliance; B18."],["4 — Judicial restraint and reset","Bounded state framework answered","C063–C065","Federal stay and full litigation construction held."],["4 — Completion/deed/statutory rescission","Answered","C066–C069","Actual ground/title/evidentiary status held; B19."],["4 — Distribution/surplus/reconveyance","Answered route-specific clauses","C070–C073","Priority and independent release clocks excluded; B20."],["4 — Former assistance-program pause","Expired status authenticated; exact date unresolved","C074; S012/S020","B24."],["4 — Possession/tenancy","Only indispensable gateway","C072","Full tenant/eviction component excluded; B27."],["5 — Basic deficiency bar","Answered","C075–C076","No conclusion about every related obligation."],["5 — Commercial borrower/guarantor exceptions","Answered current text","C077–C087","Historical exact-date, actual purpose/security/notice and prior-law branches; B21."],["5 — Fair value/fixed guarantor residence provision","Answered symbolic text","C080–C082; Q44–Q45","No valuation, amount or general homestead substitution; B22."],["5 — Contract, deed-in-lieu and reimbursement","Answered statutory boundaries","C083–C086","No actual or invented agreement reviewed."],["5 — Waiver/damages/collusion/CPA designation","Bounded answer","C088–C090","Full cause/remedy and judicial construction held; B23."],["6 — Full judicial foreclosure/execution/redemption","Deliberately excluded beyond gateway","C015, C065, C080","Separate component required."],["6 — Homestead/title/priority/community property/probate","Deliberately excluded beyond indispensable clauses","S005, C010, C082","B07/B20/B28; P7 not reused."],["6 — Federal servicing/SC​​RA/bankruptcy","Explicit dependencies; no full federal proposition","S001 .025; B25/B26","Complete current federal scope/exception/effective texts required."],["6 — Government loans/federal liens/local/tribal/interstate","Held","B12/B25/B28","Separate generic regimes; no eligibility or preemption outcome."],["6 — Consumer remedies and judicial construction","Held except narrow statutory boundaries","C088–C090; B23/B29","No cases, opinions, dockets or enforcement records searched."],["7 — Current/future/historical/adopted status","Material originals authenticated within read bounds","S009–S017, S023–S027; C091","No assertion of complete historical or future-law reconstruction."],["7 — Direct URLs/pinpoints/read bounds","Supplied visibly","§2 source/usage register","Original partial-read limits expressly identified."],["7 — Failed routes and different ordinary route","Supplied visibly","§8 below","Current fee and exact HAF expiration event remain open."],["Registry dimension 6 beyond this component","Open","Scope boundary","Other secured-debt, judicial foreclosure and sector components remain required."],["All earlier Washington components/holds","Preserved unchanged","Supplied scope context only","No P1/P2 patch, P3–P7 acceptance, Washington acceptance or A066 acceptance follows."]]},{"headers":["Step","Ordinary public route/read","Result and evidentiary treatment"],"index":18,"links":[{"href":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/?utm_source=chatgpt.com","text":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/"},{"href":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/?utm_source=chatgpt.com","text":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/"}],"row_links":[[],[],[],[],[],[],[],[],[],[{"href":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/?utm_source=chatgpt.com","text":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/"},{"href":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/?utm_source=chatgpt.com","text":"https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/"}],[]],"rows":[["Step","Ordinary public route/read","Result and evidentiary treatment"],["R01","Official full chapter 61.24 and individual section bodies.","Current text, future text, cross-references, credits and disposition notes distinguished. All positive claims use actual bodies, not snippets."],["R02","Links from RCW credits to enacted 1985, 1998, 2018, 2021, 2023, 2024 and 2025 acts.","Material amendment/application clauses read to the precise extents in S009–S017. Not every cited historical act was read."],["R03","Official Commerce program page → current guideline link.","Link discovered but document failed; current fee amount remains held."],["R04","Different official route to Commerce’s May 2016 PDF.","Historical text read; did not cure current-guideline gap."],["R05","Individual .048 route → official chapter disposition table.","Redirect supplied official expired-status evidence; redirect itself was not treated as a failure."],["R06","WAC individual sections and full chapter; RCW 31.04 scope and servicing sections.","State servicing overlay identified and read. Full-chapter route resolved only the .930 body-access gap."],["R07","Official WSR permanent order and 2024 Consumer Loan Act amendment.","Adoption/effective text and prospective limitation authenticated; 15/30-business-day discrepancy preserved."],["R08","Official U.S. Code pages for the two expressly needed definitions.","Narrow incorporated paragraphs read; nested and broader federal regimes held."],["R09","Official session-law navigation: https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/ → https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/ → S027.","2026 affected-section entry led to S026, which was fully read. Index was discovery, not operative authority."],["R10","Targeted wording rechecks of current .030, .031, .090, .100, .163, .165, .166 and WAC -551.","Confirmed agricultural conjunction, holder proof, contact clocks, cure wording, complete deficiency exceptions, current mediation scope and application/completeness distinction. No new actual-fact investigation."]]},{"headers":["Batch","Queries used","Disposition"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Batch","Queries used","Disposition"],["L01","site:app.leg.wa.gov/rcw \"Chapter 61.24\" \"DEEDS OF TRUST\"; site:app.leg.wa.gov/rcw \"61.24.030\" \"requisites\"; site:app.leg.wa.gov/rcw \"61.24.163\" \"mediation\"","Official statute bodies read."],["L02","site:app.leg.wa.gov/wac foreclosure mediation 61.24; site:commerce.wa.gov foreclosure fairness laws rules mediation fee 2026","Commerce discovery; initial search coverage did not establish absence of rules."],["L03","site:commerce.wa.gov foreclosure \"mediation\" \"fee\" \"$\"; site:app.leg.wa.gov/wac \"61.24.033\"; site:uscode.house.gov \"461\" \"(A) The term\" \"depository institution\"","Historical official fee PDF and federal definition read."],["L04","site:lawfilesext.leg.wa.gov \"2025\" \"393\" \"NEW SECTION. Sec. 19\" foreclosure; site:lawfilesext.leg.wa.gov \"2025\" \"119\" \"61.24.030\"; site:lawfilesext.leg.wa.gov \"2021\" \"290\" \"61.24.100\"","Original acts reached through official routes/credits and read within listed bounds."],["L05","site:app.leg.wa.gov \"homeowner assistance fund\" \"Expired\"; site:wshfc.org \"homeowner assistance fund\" \"closed\" 2026; site:commerce.wa.gov \"Foreclosure Fairness\" \"Guidelines\" \"2025\"","Expired disposition authenticated. Program/closeout search leads did not authenticate the exact legal expiration date."],["L06","site:app.leg.wa.gov \"61.24.048\" \"2025\"; site:lawfilesext.leg.wa.gov \"homeowner assistance fund\" \"expiration\" \"2025\"; site:commerce.wa.gov \"mediation\" \"$800\" OR \"$600\" OR \"$900\" \"2026\"","No verified current administrative fee or exact expiration notice. The 2026 legislative lead was later resolved by S026."],["L07","site:app.leg.wa.gov/wac \"foreclosure\" \"mortgage loan servicers\"; site:app.leg.wa.gov/wac \"foreclosure mediation\"; site:lawfilesext.leg.wa.gov \"61.24\" \"2026\" \"Sections Affected\"","Servicing rules identified and read; current legislative index followed."],["L08","site:lawfilesext.leg.wa.gov \"WSR 18-16-024\" \"PERMANENT RULES\"; site:lawfilesext.leg.wa.gov \"2024\" \"249\" \"prospectively\" \"31.04.025\"","Adopted order and enacted application clause read."],["L09","site:uscode.house.gov \"1602\" \"dwelling\" \"residential structure\"; site:lawfilesext.leg.wa.gov \"2026\" \"61.24.040\" \"SESSION LAWS\"; site:lawfilesext.leg.wa.gov \"2026\" \"208-620-930\"","Official federal definition and legislative navigation read. Secondary reproduction leads were not used as authority. Absence of a search hit was not treated as proof of no change."]]},{"headers":["Failure ID","Exact route","Observed result","Different ordinary route and remaining consequence"],"index":20,"links":[{"href":"https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe","text":"https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe"},{"href":"https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe","text":"https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930"}],"row_links":[[],[{"href":"https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe","text":"https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe"},{"href":"https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe","text":"https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930"}],[],[]],"rows":[["Failure ID","Exact route","Observed result","Different ordinary route and remaining consequence"],["F01","Commerce current-guidelines link: https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe → https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe","Server/tool retrieval failure, reported as 500/inaccessible. No identical retry or access workaround.","Official historical PDF S019 was readable, but current fee authorization remains unresolved."],["F02","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930","Individual-section retrieval failed.","The ordinary official full-chapter URL in S021 supplied the complete rule. Only this exact source-body gap was resolved."],["F03","Generic official searches for the assistance-program permanent-closure/expiration notice.","No exact operative notice/date authenticated. This was failed discovery, not a blocked source body.","S020 confirms displayed expired status; S012 supplies the closure-based clause. Exact event/date remains held."],["F04","Generic searches for current mediation fee authorization.","No later current authorization verified beyond the inaccessible current-guideline route.","Statutory overrideable default and historical authorization are separately reported; no invented current amount."]]}],"claims":[{"claim_id":"S_WA-P8-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C001","Precise assertion":"A deed of trust within .020 conveys real property to secure performance of an obligation and may use the chapter’s trustee-sale route. Mortgage law otherwise applies except as the chapter provides.","Sources/pinpoints; conditions and limits":"S001 §.020, complete section. Security, obligation validity and sale prerequisites remain separate."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C002","Precise assertion":"The chapter defines beneficiary by holding the instrument or document evidencing the secured obligation, excluding a person holding it as security for a different obligation.","Sources/pinpoints; conditions and limits":"S001 §.005(4). Recorded designation alone is not examined here as proof of holding."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C003","Precise assertion":"Borrower, grantor and guarantor are distinct statutory roles: liability on the principal obligation; encumbering an interest; and a nonborrower’s separate written guaranty, respectively.","Sources/pinpoints; conditions and limits":"S001 §.005(5), (9), (10). The borrower definition includes specified general-partner and written-successor-liability branches. No actual agency or liability is inferred."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C004","Precise assertion":"“Commercial loan” turns on primary purpose other than personal, family or household use. “Owner-occupied” means the borrower’s principal residence. The general residential definition and express “up to four units” clauses must be read separately.","Sources/pinpoints; conditions and limits":"S001 §.005(6), (13), (16); §§.030, .031, .165. A residential building does not by itself settle commercial-purpose classification."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C005","Precise assertion":"Trustee eligibility is restricted to the categories in .010(1): qualifying domestic entities, authorized title insurers/licensed title agents, qualifying Washington attorneys and attorney entities, a U.S. agency/instrumentality, or specified federally chartered banking institutions.","Sources/pinpoints; conditions and limits":"S001 §.010(1)(a)–(f). The domestic-entity branch includes a Washington-resident-officer condition. Incorporated entity/licensing statutes and obsolete references are held; no actual trustee qualification is established."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C006","Precise assertion":"A successor trustee receives the chapter’s trustee powers through the beneficiary’s appointment recorded in every county where the deed of trust is recorded. Resignation has its own written-notice and recording requirements.","Sources/pinpoints; conditions and limits":"S001 §.010(2). Merely using the label “successor trustee” does not establish this predicate."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C007","Precise assertion":"The statute disclaims a trustee fiduciary duty to the grantor or other interested persons, while expressly imposing good faith toward borrower, beneficiary and grantor.","Sources/pinpoints; conditions and limits":"S001 §.010(3)–(4). These are separate clauses; neither eliminates the other."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C008","Precise assertion":"Sale prerequisites include a power of sale, an activating default under the secured obligation or grantor covenant, county recording, and the trustee’s required Washington physical address/presence/telephone throughout the specified period.","Sources/pinpoints; conditions and limits":"S001 §.030(1), (3), (5)–(6). None establishes debt validity or actual compliance."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C009","Precise assertion":"If the deed’s required nonagricultural-use statement is false both when granted or amended to include it and at sale, judicial foreclosure is required.","Sources/pinpoints; conditions and limits":"S001 §.030(2). Agricultural production includes crops, livestock or aquatic goods. No property-use classification is made."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C010","Precise assertion":"A pending beneficiary action seeking satisfaction generally prevents this trustee-sale route, subject to the receiver/property-preservation and commercial-other-collateral exceptions stated in .030(4).","Sources/pinpoints; conditions and limits":"S001 §.030(4). The incorporated homestead/rents branch is identified but not completed."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C011","Precise assertion":"For residential property up to four units, the trustee must have holder proof before recording, transmitting or serving the sale notice. A beneficiary declaration under penalty of perjury is statutorily sufficient, with reliance conditioned on the trustee’s good-faith duty.","Sources/pinpoints; conditions and limits":"S001 §.030(7). This is a procedural proof provision, not a finding that an actual declaration is true. Association exceptions are separate."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C012","Precise assertion":"The state servicing overlay depends on Consumer Loan Act scope: residential mortgage purpose/security, servicing activity, and statutory/rule coverage, including specified Washington-resident/property connections.","Sources/pinpoints; conditions and limits":"S022 §§31.04.015(13), (24), (25), (29), .025; S021 -011, -230, -231. Investor ownership without servicing activity is not automatically the regulated servicing role."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C013","Precise assertion":"CLA exemptions are conditional, including specified banking-law activities, public/qualified housing programs and other categories. The business/commercial/agricultural exclusion does not extend as written to loans secured by the borrower’s primary dwelling. Exemption/preemption is not presumed.","Sources/pinpoints; conditions and limits":"S022 §31.04.025(4)–(6); S024 §§2, 5. A licensing waiver is not treated as a waiver of every substantive duty. The 2024 amendment has an express prospective-application limitation."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C014","Precise assertion":"Mixed real/personal collateral requires a separate UCC branch. The current .9A-604 text permits specified personal-property-only or real-property-route treatment, but does not establish attachment, perfection or priority.","Sources/pinpoints; conditions and limits":"S001 §.020 and reviser note; S007 §62A.9A-604(a)–(d). Former .9-501(4) is not treated as current operative text."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C015","Precise assertion":"Judicial mortgage foreclosure remains a statutory alternative, and .100 expressly says its deficiency section does not apply to that foreclosure.","Sources/pinpoints; conditions and limits":"S001 §§.100(8), .120. No conclusion follows about the full judicial route’s deficiency, execution or redemption rules."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C016","Precise assertion":"Section .031’s contact regime applies to its recorded residential-up-to-four-unit category, with commercial-loan, specified third-party-grantor, seller-financed and listed association exclusions. Its contact/diligence subsections also have a written-surrender/key-delivery exception.","Sources/pinpoints; conditions and limits":"S001 §.031(6)–(8). The seller-finance definition is statutory; an ordinary servicer label is not an exemption."},"coordinator_verification_status":"fresh_complete_current031_contacttext_checked_interactions_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current031_contacttext_checked_interactions_held","scope":"Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C017","Precise assertion":"Due diligence requires the specified initial dual-mail letter, telephone attempts, conditional follow-up certified letter, live contact availability and website information if a website exists. Telephone contact does not itself constitute the statutory meeting.","Sources/pinpoints; conditions and limits":"S001 §.031(1)(b)–(c), (5)(a)–(e). Exact quantities are Q03–Q05. Disconnected-number and live-representative qualifications remain."},"coordinator_verification_status":"fresh_complete_current031_contacttext_checked_interactions_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current031_contacttext_checked_interactions_held","scope":"Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C018","Precise assertion":"The statute uses different contact timing formulations: satisfaction of due diligence, initiation of initial contact, deemed contact after sending, and the letter’s own date. They are not collapsed into one universal default-notice date.","Sources/pinpoints; conditions and limits":"S001 §.031(1)(a), (c)–(d), (4). Textual interaction held, B06."},"coordinator_verification_status":"fresh_complete_current031_contacttext_checked_interactions_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current031_contacttext_checked_interactions_held","scope":"Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C019","Precise assertion":"A requested meeting must precede the default notice and address ability/options. Telephone is permitted unless a timely written in-person request is made; county location and resolution-authority conditions apply. An offered workout requires borrower approval.","Sources/pinpoints; conditions and limits":"S001 §.031(1)(e)–(f), (3)–(4). No compelled modification or agreement follows."},"coordinator_verification_status":"fresh_complete_current031_contacttext_checked_interactions_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current031_contacttext_checked_interactions_held","scope":"Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C020","Precise assertion":"The default notice and, for the covered residential category, holder declaration have dual-mail plus posting-or-personal-service requirements before the sale notice. Required contents include alleged default, itemized arrears/charges, reinstatement total, court recourse, role/contact information and applicable mediation language.","Sources/pinpoints; conditions and limits":"S001 §.030(8)(a)–(m), (9); §.031(2), (9). Sending, posting, personal service and receipt are not interchangeable."},"coordinator_verification_status":"031declaration_checked030NOD_body_unreopened","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"031declaration_checked030NOD_body_unreopened","scope":"Current031declarationchecked;material030defaultnoticeholder/content/deliveryclausesoriginalunreopened.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C021","Precise assertion":"Known death and a pre-sale-notice written successor claim activate additional notice/document-request/information duties. Timely proof can establish treatment under the section, but the statute does not require assumption or modification approval.","Sources/pinpoints; conditions and limits":"S001 §.030(10)–(11), complete clauses. Probate/intestacy and actual title are held."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C022","Precise assertion":"A successor claim after sale-notice recording has a different response and information timetable; the trustee may postpone in the stated circumstances.","Sources/pinpoints; conditions and limits":"S001 §.040(7). The permissive postponement is not converted into an automatic stay."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C023","Precise assertion":"Current mortgage mediation scope is recorded residential property up to four units, subject to .165(2)’s exclusions, including commercial, specified nonborrower/nonguarantor grantor, seller-finance and entity-grantor/entity-vesting branches. Current successor/dissolution provisions do not impose the former occupancy wording or an assumption duty.","Sources/pinpoints; conditions and limits":"S001 §.165(1)–(2), (4)–(5); S012 §6; S013 §6; S009 §4. Association mediation is a separate branch."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C024","Precise assertion":"The institutional mediation exemption requires the specified federally insured depository category and annual perjury certification tied to no more than 250 qualifying Washington trustee sales in the preceding calendar year.","Sources/pinpoints; conditions and limits":"S001 §.166(1); S008 §461(b)(1)(A); S012 §7. It is not a blanket exemption for all servicers or all small beneficiaries. Nested federal institutional definitions remain held."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C025","Precise assertion":"Mortgage mediation requires referral by a housing counselor or attorney within the statutory window, or later written voluntary agreement. The principal amended-notice rule expressly concerns a notice after a .130 stay; .008(3) uses broader wording.","Sources/pinpoints; conditions and limits":"S001 §§.008(2)–(3), .160(3), .163(1)–(5). No borrower self-referral or universal amended-notice reset is inferred."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C026","Precise assertion":"The borrower’s mediation document package includes financial information, tax returns, hardship information and applicable program information, transmitted to mediator and beneficiary on the statutory timetable.","Sources/pinpoints; conditions and limits":"S001 §.163(6)(a). Only the public categories were read; no worksheet or private information was obtained."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C027","Precise assertion":"The beneficiary’s package includes note/deed, balance and payment information, charges, note-ownership proof, valuation, modification-denial explanation, relevant NPV inputs and claimed investor restrictions/waiver efforts.","Sources/pinpoints; conditions and limits":"S001 §.163(6)(b)(i)–(x). The section says ownership proof and permits the .030 holder declaration as sufficient proof; that wording is preserved rather than silently equated."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C028","Precise assertion":"Mediation has a department-notice, scheduling, advance-notice, attendance/authority and continuance framework. An agreed scheduling extension requires notice to the trustee of the expected certification date.","Sources/pinpoints; conditions and limits":"S001 §.163(5), (8)–(10). In-person attendance and remote resolution authority are distinct permissions."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C029","Precise assertion":"Good-faith obligations include timely participation, documents and adequate settlement authority. Conditioning modification on waiver of future claims is listed as potential bad faith, subject to the express TILA-rescission and pending-claim qualifications.","Sources/pinpoints; conditions and limits":"S001 §.163(13)(a)–(d). No complete TILA rescission or waiver-enforceability analysis follows."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C030","Precise assertion":"The mediator issues the specified certification after conclusion. A reasonable belief that the borrower will not attend permits the separate cancellation/notification route. Neither event adjudicates all foreclosure prerequisites.","Sources/pinpoints; conditions and limits":"S001 §.163(14)–(16), (18). “May proceed” remains subject to other applicable requirements."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C031","Precise assertion":"A pre-recording referral generally prevents sale-notice recording until certification, with the stated late-certification fallback. A referral after recording prevents the sale until certification; that clause does not contain the same fallback.","Sources/pinpoints; conditions and limits":"S001 §.163(19)(a)–(b). Exact timing in Q13."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C032","Precise assertion":"Beneficiary bad-faith certification supplies a rebuttable defense to the present nonjudicial foreclosure. The stated favorable-NPV/no-affordable-offer condition supplies a basis for injunction. Neither mandates a loan modification.","Sources/pinpoints; conditions and limits":"S001 §.163(17). Judicial foreclosure and a later foreclosure following an agreed modification and later default are expressly distinguished."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C033","Precise assertion":"The codified mediation fee is an overrideable default, with equal party shares and a payment timetable. The actual currently authorized administrative amount remains unverified.","Sources/pinpoints; conditions and limits":"S001 §.163(20); S018; historical S019. Current Box guideline route failed; historical authorization is not carried forward."},"coordinator_verification_status":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held","scope":"Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C034","Precise assertion":"The mediator has statutory qualifications/approval and a limited role. Certification and specified materials may be admissible subject to court rules; they are not automatically adjudicated facts.","Sources/pinpoints; conditions and limits":"S001 §.169, complete section. No mediator or court-record inquiry was performed."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C035","Precise assertion":"The conditional owner-occupied short-sale-offer provision requires a senior beneficiary response to a qualifying pre-default-notice written offer, but preserves its choice and expressly does not change the chapter’s foreclosure periods.","Sources/pinpoints; conditions and limits":"S001 §.026(1)–(6). Exclusions include commercial, specified third-party-grantor, seller-financed and mediation-exempt-beneficiary branches."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C036","Precise assertion":"Section .177 addresses an existing servicer duty under a pooling/servicing agreement and specified default/imminent-default and NPV conditions.","Sources/pinpoints; conditions and limits":"S001 §.177. It does not establish that every servicer has such an agreement or an unconditional duty to modify."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C037","Precise assertion":"The rule’s foreclosure-referral definition reaches steps in furtherance of foreclosure, not merely delivery to an outside trustee. Rule -551(4) prohibits referral after receipt of a modification application until evaluation for all available modifications; that subsection does not use “complete.”","Sources/pinpoints; conditions and limits":"S021 -010(38), -551(4). No actual application or internal status was examined."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C038","Precise assertion":"Rule -551(6) separately prohibits collection activity while a complete modification application is under review or while payments are being made under a trial/permanent modification, including activity by others on the servicer’s behalf.","Sources/pinpoints; conditions and limits":"S021 -551(6); S023 adopted text. Completeness and performance are predicates, not assumed facts."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C039","Precise assertion":"The state modification rule supplies status-access, determination, deficiency-notice/correction and denial-explanation requirements for its applicable program branch.","Sources/pinpoints; conditions and limits":"S021 -930(1), (2)(a)–(f). Conditional HAMP/GSE references do not establish current federal-program availability."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C040","Precise assertion":"The rule distinguishes complete applications received before the 37-day point and those submitted between the 37- and 15-day points, with review/offer-response and suspension provisions.","Sources/pinpoints; conditions and limits":"S021 -930(2)(f)–(i). Exact equality boundaries, applications closer to sale, and interaction with -551 remain held; no permission to foreclose is inferred from silence."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C041","Precise assertion":"The rule provides an appeal process with stated exclusions, response timing, and written modification/forbearance confirmation duties.","Sources/pinpoints; conditions and limits":"S021 -930(3)–(5). No guaranteed approval follows from a procedural right."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C042","Precise assertion":"A servicing transfer must preserve specified pending modification work and existing trial/permanent agreements under the state rule, with an express state/GSE-program-conflict qualification.","Sources/pinpoints; conditions and limits":"S021 -900(2). Transfer does not itself establish modification approval or cure."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C043","Precise assertion":"Before referral, the servicer’s file must support default, foreclosure rights and ownership; after a completed foreclosure sale, the rule requires a separate borrower mailing.","Sources/pinpoints; conditions and limits":"S021 -935(1)–(2). File contents are a requirement, not proof that an actual foreclosure is lawful."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C044","Precise assertion":"The statutory reinstatement mechanism is available to the listed borrower, grantor, guarantor, subordinate deed-of-trust beneficiary and recorded subordinate lien/encumbrance holder.","Sources/pinpoints; conditions and limits":"S001 §.090(1). No actual actor’s standing is established."},"coordinator_verification_status":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","scope":"Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C045","Precise assertion":"The operative cure subsection uses a strict “prior to” eleventh-day formulation; statutory notices use inclusive “on or before” wording. The exact boundary is held rather than resolved favorably.","Sources/pinpoints; conditions and limits":"S001 §§.090(1), .040(2)(d), (4); S016 §11. B16."},"coordinator_verification_status":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","scope":"Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C046","Precise assertion":"Monetary cure consists of amounts then due excluding principal that would not yet be due absent default, plus the specified actual enforcement expenses and reasonable fees.","Sources/pinpoints; conditions and limits":"S001 §.090(1)(a)–(b). Naturally matured principal is not automatically excluded; not a universal arrears-only rule."},"coordinator_verification_status":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","scope":"Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C047","Precise assertion":"A person entitled to discontinue may seek a fee-reasonableness determination in a court with jurisdiction other than small claims. That fee action does not itself forestall or invalidate the sale.","Sources/pinpoints; conditions and limits":"S001 §.090(2). Possible prevailing-party costs/fees are discretionary statutory language, not an actual award."},"coordinator_verification_status":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","scope":"Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C048","Precise assertion":"Qualifying cure results in discontinuance and reinstatement as though acceleration had not occurred; nonmonetary default and recording/tender requirements remain separately stated.","Sources/pinpoints; conditions and limits":"S001 §.090(3)–(4), (6)–(7). Cure does not erase the underlying obligation."},"coordinator_verification_status":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","scope":"Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C049","Precise assertion":"A recorded subordinate lienholder curing under .090 may add the authorized advances, specified interest and enforcement expenses to its lien.","Sources/pinpoints; conditions and limits":"S001 §.090(5). No priority or actual secured amount is adjudicated."},"coordinator_verification_status":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","scope":"Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C050","Precise assertion":"The statutory notice describes a later, pre-sale discontinuance route requiring the secured principal, interest, costs/fees/advances and cure of other defaults, rather than only the unaccelerated arrears.","Sources/pinpoints; conditions and limits":"S001 §.040(2)(d), (4), read with .090. It is not a universal tender rule overriding every other legal dependency."},"coordinator_verification_status":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current090_and040_curetext_checked_cutoff_unresolved","scope":"Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C051","Precise assertion":"The trustee’s statutory written reinstatement/payoff-response requirement and the covered servicer’s payoff-response rule have different actors and units.","Sources/pinpoints; conditions and limits":"S001 §.040(4); S021 -550(1). Q28."},"coordinator_verification_status":"trustee10dayform_checked_servicer7businessday_rule_unreopened","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"trustee10dayform_checked_servicer7businessday_rule_unreopened","scope":"040statutorywrittenresponsechecked;WAC550scope/bodyandhistoryremainoriginalunreopened.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C052","Precise assertion":"Covered servicing fees require the stated authorization and default-service reasonableness; third-party charges may not exceed actual payment. Rules also prohibit specified unagreed charges and use of suspense funds for the servicer’s own fees.","Sources/pinpoints; conditions and limits":"S021 -567; -551(1)(d), (3)(c), (5). This is not a dollar tariff for all trustee expenses."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C053","Precise assertion":"Statute and rule impose fee-assessment and mailed-explanation timing, with the statement alternative where stated.","Sources/pinpoints; conditions and limits":"S022 §31.04.290(1)(a); S021 -900(3)(e). Q29."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C054","Precise assertion":"Payment crediting and suspense treatment have specific receipt, information, timing and full-payment conditions; they are not equivalent to statutory reinstatement.","Sources/pinpoints; conditions and limits":"S022 §31.04.290(1)(b); S021 -900(3)(a)–(d). Written-hold and bankruptcy-order qualifications are not extended beyond their text."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C055","Precise assertion":"The statute requires its general information statement within 15 business days; the regulation states 30 business days or the specified program timeline. A separate detailed-document track states 15 business days and limited repeat-request charges.","Sources/pinpoints; conditions and limits":"S022 §31.04.290(1)(d), (2); S021 -920(1)–(5); S023. No permission to use the longer period is inferred. Both texts also require correction/refund of identified servicing errors."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C056","Precise assertion":"The sale-notice lead time depends on whether the .031 letter is required, and a separate default-to-sale minimum also applies.","Sources/pinpoints; conditions and limits":"S001 §.040(1), (12). These are cumulative predicates, not alternative universal sale dates."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C057","Precise assertion":"Sale-notice recording, dual mailing, recipient selection and occupant posting/service are separate statutory acts. Recipient categories include specified recorded interests, requesters and occupants, subject to the statute’s knowledge/address and foreclosure-interest qualifications.","Sources/pinpoints; conditions and limits":"S001 §.040(1)(a)–(e), (14); §.045. A recording or one mailing alone is not full compliance."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C058","Precise assertion":"Notice of default, notice of trustee’s sale and notice of foreclosure have different content and delivery functions. The foreclosure notice includes the specified note/deed material. A beneficiary/servicing transfer alone does not require a new sale notice under .040(2).","Sources/pinpoints; conditions and limits":"S001 §§.030(8), .040(2)–(4). Other transfer duties remain; no actual notice is approved."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C059","Precise assertion":"Publication has two specified sale-relative windows; unknown-heir notice has an additional conditional publication route.","Sources/pinpoints; conditions and limits":"S001 §.040(5)–(6). The heir route requires its diligence/successor predicates."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C060","Precise assertion":"The sale is a public auction at a designated public place in the property’s county, on the stated weekday/holiday rule and during incorporated hours.","Sources/pinpoints; conditions and limits":"S001 §.040(8)–(9); S002 §6.21.050(1), hours only. No actual scheduling permission."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C061","Precise assertion":"Property may be offered whole or in parcels; the trustee cannot bid. Beneficiary credit bidding is limited to the secured monetary obligation, with excess payable as specified; other bidders’ payment forms are separately stated.","Sources/pinpoints; conditions and limits":"S001 §§.040(8), .070. No bid, title or distribution is calculated."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C062","Precise assertion":"Discretionary continuances under .040(10) have an aggregate limit and alternative proclamation/mail or notice/publication mechanisms.","Sources/pinpoints; conditions and limits":"S001 §.040(10)(a)–(b). Neither unlimited extensions nor one universal notice period is established."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C063","Precise assertion":"Specified interested persons may seek court restraint on proper legal or equitable grounds, with statutory advance notice and proof-of-service requirements.","Sources/pinpoints; conditions and limits":"S001 §.130(1)–(2). This is a generic statutory remedy gateway, not advice to file or a finding that relief is available."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C064","Precise assertion":"Court restraint may require recurring payments/security under the section, with distinct treatment of periodic-payment, fully matured and nonmonetary defaults and consideration of equity.","Sources/pinpoints; conditions and limits":"S001 §.130(1)(a)–(c). No required payment amount is supplied."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C065","Precise assertion":"Dissolution of an injunction and the specified bankruptcy-stay event have separate new-setting/notice provisions; a properly continued sale may instead use the statute’s stated alternative.","Sources/pinpoints; conditions and limits":"S001 §.130(3)–(6). Continuing a date is not permission to conduct a sale during a stay. Federal predicates remain held."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C066","Precise assertion":"Physical delivery of the deed conveys the described grantor interests. The accepted bid is final as of acceptance if the deed is recorded within the stated period, subject to statutory rescission; the state section supplies no post-sale redemption right.","Sources/pinpoints; conditions and limits":"S001 §.050(1)–(2). Federal or other independent rights are not resolved."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C067","Precise assertion":"The authorized trustee/beneficiary/agent may void a sale within the specified period for the listed process-error, prior loss-mitigation agreement, or accepted full-cure/satisfaction grounds.","Sources/pinpoints; conditions and limits":"S001 §.050(2)(a). This is discretionary statutory authority, not an automatic borrower reversal right."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C068","Precise assertion":"Statutory rescission has separate refund and dual-mail notice clocks. The specified error/agreement grounds permit a reset only with the new minimum date and notice/publication conditions.","Sources/pinpoints; conditions and limits":"S001 §.050(2)(b)–(d). The accepted-cure ground is not silently added to the reset authorization."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C069","Precise assertion":"Trustee-deed recitals have the stated evidentiary effect, including protection of qualifying bona fide purchasers. An interest whose holder did not receive required notice is not affected as specified by .040(11).","Sources/pinpoints; conditions and limits":"S001 §.040(11). No actual purchaser status, title priority or universal cure of defects is established."},"coordinator_verification_status":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held","scope":"Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C070","Precise assertion":"Sale proceeds first pay authorized sale expenses, subject to the stated aggregate reasonableness benchmark for trustee/attorney fees, then the secured obligation.","Sources/pinpoints; conditions and limits":"S001 §.080(1)–(2). This distribution fee benchmark is distinct from .090 reinstatement expenses."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C071","Precise assertion":"Remaining proceeds follow the clerk-deposit, notice and court-disbursement process. Eliminated liens attach to surplus in court-determined priority; surplus is not automatically payable entirely to the borrower.","Sources/pinpoints; conditions and limits":"S001 §.080(3). Motion notice and hearing period appear in Q41."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C072","Precise assertion":"The section states a conditional twentieth-day possession gateway against specified non-tenant occupants/interests after required notices.","Sources/pinpoints; conditions and limits":"S001 §.060(1). Tenant rights and chapter 59.12 procedure remain open; no eviction or possession instruction follows."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C073","Precise assertion":"Reconveyance under .110(1) has its own written-request/satisfaction conditions. A deficiency bar, cure, discontinuance and reconveyance are not treated as interchangeable events.","Sources/pinpoints; conditions and limits":"S001 §.110(1). Separate release clocks are excluded."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C074","Precise assertion":"Former .048’s homeowner-assistance-program postponement regime is officially marked expired under the enacted closure-based expiration clause.","Sources/pinpoints; conditions and limits":"S020 disposition entry; S012 §§9, 12–13. Exact program-closure/expiration date and required written notice were not authenticated; the old pause is not presented as current."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C075","Precise assertion":"After a trustee sale under the deed of trust, deficiency judgment on its secured obligations against borrower, grantor or guarantor is barred except to the extent .100 permits for commercial loans.","Sources/pinpoints; conditions and limits":"S001 §.100(1). This is tied to the obligation secured by the deed actually sold under."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C076","Precise assertion":"The chapter preserves an action on liability before sale notice or after discontinuance, and permits later foreclosure after completion or dismissal of that action, subject to other requirements.","Sources/pinpoints; conditions and limits":"S001 §.100(2). No actual enforcement election is made."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C077","Precise assertion":"The post-1998 commercial borrower/grantor exception is limited by beneficiary/affiliate purchase, fair-value shortfall, timely notice and specified waste/wrongfully retained proceeds; it excludes the borrower’s principal residence at sale.","Sources/pinpoints; conditions and limits":"S001 §.100(3)(a). It is not a general commercial-borrower shortfall remedy."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C078","Precise assertion":"A commercial guarantor deficiency branch requires timely .042 notice and the other .100 conditions. Omission of that special notice does not itself invalidate other notices or the trustee sale.","Sources/pinpoints; conditions and limits":"S001 §§.100(3)(c), .042, complete sections."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C079","Precise assertion":"The specified commercial deficiency actions have a one-year sale-based period, qualified by later written agreement after foreclosure notice and statutory prohibition periods; multiple qualifying sales use the last sale.","Sources/pinpoints; conditions and limits":"S001 §.100(4). This is the route-specific clause only; no P3 limitations analysis or actual deadline is supplied."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C080","Precise assertion":"The commercial-guarantor fair-value mechanism is adjudicative and uses the statutory deduction relation, contractual interest and authorized costs. Fair value has a sale-date, prior-encumbrance and market-exposure definition.","Sources/pinpoints; conditions and limits":"S001 §§.005(8), .100(5); S006. Symbolic relation in Q44; not a bid-price-only calculation."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C081","Precise assertion":"Commercial other-collateral enforcement is preserved; if other security is sold before guarantor deficiency judgment, its fair value is added under the specified valuation rule.","Sources/pinpoints; conditions and limits":"S001 §.100(3)(b), (5). Full collateral priority and enforcement regimes remain open."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C082","Precise assertion":"A guarantor who gives a deed of trust securing its commercial guaranty has the narrower stated liability branch; if that deed encumbers the guarantor’s principal residence, the statute provides up to $125,000 from the accepted bid before application to the guaranty obligation.","Sources/pinpoints; conditions and limits":"S001 §.100(6); S005 §6.13.080(2); S014 §7. This fixed provision is not replaced by a county-based homestead figure."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C083","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C083","Precise assertion":"Acceptance of a deed in lieu under a commercial-loan deed of trust exonerates the guarantor except to the extent the guarantor agrees otherwise as part of that transaction.","Sources/pinpoints; conditions and limits":"S001 §.100(7). No actual agreement or transaction is examined."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C084","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C084","Precise assertion":"Express contract language may prohibit recovery of some or all commercial deficiency after trustee sale.","Sources/pinpoints; conditions and limits":"S001 §.100(9). No waiver or contract term is presumed."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C085","Precise assertion":"The commercial trustee-sale rule does not preclude enforcement of an obligation, or its substantial equivalent, that was not secured by the foreclosed deed of trust.","Sources/pinpoints; conditions and limits":"S001 §.100(10). Whether an obligation is genuinely separate remains held."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C086","Precise assertion":"Unless otherwise agreed, a trustee sale does not impair the guarantor’s specified reimbursement right against borrower or grantor.","Sources/pinpoints; conditions and limits":"S001 §.100(11). No actual reimbursement entitlement is decided."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C087","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C087","Precise assertion":"Section .100 preserves prior law for the stated commercial instruments/guaranties executed before June 11, 1998; the affirmative exception uses “after” that date.","Sources/pinpoints; conditions and limits":"S001 §.100(3), (12); S016 §12. The exact-date boundary and complete prior regime remain held."},"coordinator_verification_status":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held","scope":"Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C088","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C088","Precise assertion":"For its owner-occupied, noncommercial scope, .127 preserves specified damages claims despite failure to enjoin, but limits the route to monetary relief and the earlier stated filing period; it does not authorize title invalidation through that section.","Sources/pinpoints; conditions and limits":"S001 §.127(1)–(4). Full claim elements, CPA remedies and judicial construction remain open."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C089","Precise assertion":"Section .135(1) addresses specified bid collusion and permits the trustee to decline completion/delivery and refund under its stated concerns, with express exceptions.","Sources/pinpoints; conditions and limits":"S001 §.135(1)(a)–(d). Ordinary as-is statements, specified financing and good-faith agreements are not automatically collusion."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C090","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C090","Precise assertion":"The statute identifies specified mediation/contact/funding violations as CPA violations, but that designation is not an adjudication of all private-remedy elements or an automatic completed-sale reversal.","Sources/pinpoints; conditions and limits":"S001 §.135(2). Obsolete .173/.174 references are not treated as current duties."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C091","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C091","Precise assertion":"The relevant 2025 amendments have distinct January 1, 2026 current and January 1, 2028 future/expiration branches. Future wording was not substituted for the current body.","Sources/pinpoints; conditions and limits":"S009 §§19–20; S010 §§35–36; S011 §512. Full future association-law coverage is excluded."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C092","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C092","Precise assertion":"The .190 funding exemption uses a different event and strict threshold from the .166 mediation exemption; its reporting/payment duty is not a borrower cure charge.","Sources/pinpoints; conditions and limits":"S001 §.190(1)–(4); S012 §8. Notices of default and completed trustee sales are not interchangeable counts."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C093","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C093","Precise assertion":"The 2026 amendment concerns .157’s loan-closing funding fee and its exclusions; it does not create a foreclosure reinstatement fee.","Sources/pinpoints; conditions and limits":"S026 §1, effective June 11, 2026; S001 §.157. Incorporated public-financing-program eligibility remains outside this pass."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P8-C094","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P8-C094","Precise assertion":"The generic RCW computation rule and the WAC business-day definition have different scopes. Neither supports an invented universal foreclosure calendar convention.","Sources/pinpoints; conditions and limits":"S003; S004; S021 -010(7). Backward counting, special statutory language and court-rule interaction remain held where not resolved by the read text."},"coordinator_verification_status":"material_original_section_rule_history_or_incorporation_unreopened_held","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","atomic_reconciliation":"[internal evidence reference]","disposition":"material_original_section_rule_history_or_incorporation_unreopened_held","scope":"Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.","all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}}],"sources":[{"source_id":"S_WA-P8-S001","urls":["https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true","https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S001","Issuer/title and complete literal HTTPS URL":"Washington Legislature/Code Reviser, Chapter 61.24 RCW—Deeds of trust. https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true","Actual read extent; edition/status; credits and application limits":"Complete current bodies of the sections listed in §2.2, including statutory notice forms and material notes. Current and future-effective bodies were distinguished. No claim of reading every chapter section or every incorporated title. Section-specific credits and original enactments appear below."},"coordinator_verification_status":"five_of32_complete_current_section_usages_checked_not_wholechapter_history_or_application","complete_visible_section_usage_records":[{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005","Complete current read bounds and use":"All definitions; mortgage-role, property, commercial-loan, fair-value definitions used. Association definitions read but association-lien regime excluded.","Latest displayed credit/material boundary":"Current 2025 c 393 §1; effective January 1, 2026, expires January 1, 2028. Future §7 separately identified."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008","Complete current read bounds and use":"Complete referral timing section, including differing amended-notice wording.","Latest displayed credit/material boundary":"2023 c 206 §1."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010","Complete current read bounds and use":"Complete trustee eligibility, appointment, resignation, duty provisions and reviser notes.","Latest displayed credit/material boundary":"2012 c 185 §13. Old Title 30 and chapter 25.04 references expressly noted as recodified/repealed; replacement entity regimes not completed."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020","Complete current read bounds and use":"Complete real-property-security, agricultural, mixed-collateral and recording provisions.","Latest displayed credit/material boundary":"1998 c 295 §3; 1985 application note read; obsolete UCC reference identified."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025","Complete current read bounds and use":"Complete state SCRA incorporation.","Latest displayed credit/material boundary":"2004 c 161 §5. Federal incorporated act itself not fully read."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026","Complete current read bounds and use":"Complete conditional short-sale-response section and exclusions.","Latest displayed credit/material boundary":"2011 c 364 §1. Conditional fallback language is not treated as the current mediation-exemption rule."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030","Complete current read bounds and use":"Complete current (1)–(12), all notice contents, death/successor clauses, exceptions and notes.","Latest displayed credit/material boundary":"Current 2025 c 119 §31; future 2024 c 321 §410 effective January 1, 2028."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031","Complete current read bounds and use":"Complete current (1)–(9), including blank declaration, scope, surrender exception and diligence.","Latest displayed credit/material boundary":"Current 2021 c 151 §4; separate future 2028 text."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033","Complete current read bounds and use":"Complete model-language authority.","Latest displayed credit/material boundary":"2011 c 58 §16. Historical implementation deadline not used as a current borrower clock."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040","Complete current read bounds and use":"Complete current (1)–(14), statutory sale/foreclosure/tenant notices, mailing, publication, continuation, successor provisions.","Latest displayed credit/material boundary":"2023 c 206 §3; material 2018 c 306 §2 changes and renumbering noted. Future 2028 text kept separate."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042","Complete current read bounds and use":"Complete commercial-guarantor notice and consequence clauses.","Latest displayed credit/material boundary":"1998 c 295 §6; obsolete subsection cross-reference noted."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045","Complete current read bounds and use":"Complete request-for-notice provision.","Latest displayed credit/material boundary":"2018 c 306 §3. No actual request or recording examined."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050","Complete current read bounds and use":"Complete sale/deed/redemption and statutory rescission provisions; blank rescission form.","Latest displayed credit/material boundary":"2018 c 306 §4; original amendment read."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060","Complete current read bounds and use":"Complete section read; only bounded non-tenant possession gateway used.","Latest displayed credit/material boundary":"2009 c 292 §10. Tenant and unlawful-detainer incorporations remain open."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070","Complete current read bounds and use":"Complete bidding/payment provision.","Latest displayed credit/material boundary":"1998 c 295 §9."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080","Complete current read bounds and use":"Complete proceeds, expense cap, surplus deposit, notice and disbursement provisions.","Latest displayed credit/material boundary":"2014 c 107 §2."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090","Complete current read bounds and use":"Complete (1)–(7), including strict cutoff, expenses, fee review, reinstatement, subordinate advances and tender forms.","Latest displayed credit/material boundary":"1998 c 295 §11; original read. Reviser's note maps former .040(6) to current .040(10)."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100","Complete current read bounds and use":"Complete (1)–(12), all commercial/guarantor exceptions and historical-application clause.","Latest displayed credit/material boundary":"2021 c 290 §7; 1998 c 295 §12. Both material originals read."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110","Complete current read bounds and use":"Complete section read; only subsection (1) reconveyance gateway used.","Latest displayed credit/material boundary":"2013 c 114 §1. Separate release clocks are not relied on or rerun."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120","Complete current read bounds and use":"Complete preservation of other foreclosure provisions.","Latest displayed credit/material boundary":"1965 c 74 §12."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127","Complete current read bounds and use":"Complete damages/nonwaiver provision and owner-occupied/noncommercial restriction.","Latest displayed credit/material boundary":"2011 c 364 §2. Full CPA and judgment-lien incorporations held."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130","Complete current read bounds and use":"Complete restraint, notice, security/payment, dissolution/reset and bankruptcy-related state clauses.","Latest displayed credit/material boundary":"2018 c 306 §5; original read. Federal stay predicates not established."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135","Complete current read bounds and use":"Complete section read; subsections (1)–(2) used for collusion/contact/mediation boundaries.","Latest displayed credit/material boundary":"2023 c 206 §11. Surplus-locator contract regime in (3)–(4) excluded."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157","Complete current read bounds and use":"Complete current loan-closing funding-fee section read for boundary only.","Latest displayed credit/material boundary":"2026 c 156 §1; original fully read. Not a cure or trustee-sale expense authorization."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158","Complete current read bounds and use":"Complete administrative reporting section read; no separate substantive claim.","Latest displayed credit/material boundary":"2025 c 393 §10."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160","Complete current read bounds and use":"Complete counselor/contact/referral section.","Latest displayed credit/material boundary":"2023 c 206 §4."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163","Complete current read bounds and use":"Complete current (1)–(24). Mortgage clauses used; association-specific branches read but not developed.","Latest displayed credit/material boundary":"2025 c 393 §3, effective January 1, 2026. This section is not among the act’s sections expiring in 2028."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165","Complete current read bounds and use":"Complete current and displayed future scope provisions.","Latest displayed credit/material boundary":"Current 2025 c 393 §4; future §6; material 2023 c 206 §6 and 2021 c 151 §6 changes checked."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166","Complete current read bounds and use":"Complete current and historical-year exemption branches, certification and retroactivity.","Latest displayed credit/material boundary":"2023 c 206 §7; original and emergency effective clause read."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169","Complete current read bounds and use":"Complete section read; mediator role and limited evidentiary use of certification used.","Latest displayed credit/material boundary":"2012 c 185 §7. No mediator selection or roster reviewed."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177","Complete current read bounds and use":"Complete pooling/servicing-duty provision.","Latest displayed credit/material boundary":"2011 c 58 §13. Does not independently establish an actual contractual duty."},{"Complete section URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190","Complete current read bounds and use":"Complete current funding/reporting and exemption provisions; future version distinguished.","Latest displayed credit/material boundary":"2023 c 206 §8; future association-reference changes identified. Borrower pass-through not inferred."}],"raw_usage_table_index":2,"classification_reconciliation":"Complete associated section/rule usage rows retained; same source ID, no independent-source or verification increment.","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"five_of32_complete_current_section_usages_checked_not_wholechapter_history_or_application","scope":"Completecurrent090/100/031/040/163only,allothersection/groupedhistory/currentness/nestedlawandapplicationheld.","selected_evidence_keys":["090_complete_current1_to7_credit_and_reviser_note","100_current1_to5_opening","100_complete_tail5_to12_credit_notes","031_current_heading1a_to1f","031_complete1f_tail2_3_4_and5_start","031_complete5_tail6_7_8_9_start","031_complete_declaration_tail_credit_notes_andfutureheading","040_currentheading_1_start","040_1tail_2_statutorynotice_start","040_notice_tail3_and4_start","040_complete4_notices_and5_6_start","040_complete6tail7_8_9_10_11start_12_13start","040_current11tail12_13_14_credit_notes_futureboundary","163_currentheading1_to6start","163_complete6tail7_8_9","163_complete10_11_12_13_14","163_complete13tail14_15_16_17_18_19_20","163_complete21to24_credit_notes"],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S002","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050","https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S002","Issuer/title and complete literal HTTPS URL":"Washington Legislature, RCW 6.21.050—Execution sale time/place provisions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050","Actual read extent; edition/status; credits and application limits":"Complete section read. Latest displayed credit: 2021 c 122 §12. Used only for the hours expressly incorporated by RCW 61.24.040(9); sheriff-sale scheduling and other execution procedures are not transferred to trustee sales."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S003","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040","https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S003","Issuer/title and complete literal HTTPS URL":"Washington Legislature, RCW 1.12.040—Computation of time. https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040","Actual read extent; edition/status; credits and application limits":"Complete section read; latest displayed credit 1997 c 125 §1. Generic first/last-day rule identified. Its application to every backward-counted foreclosure period is not adjudicated here."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S004","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050","https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S004","Issuer/title and complete literal HTTPS URL":"Washington Legislature, RCW 1.16.050—Legal holidays. https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050","Actual read extent; edition/status; credits and application limits":"Complete subsections (1)–(7) read. Displayed 2025 c 58 §1001 and 2025 c 30 §1 credits/merger material noted. No actual calendar calculation; no assertion that every commemorative day is a legal holiday."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S005","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080","https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S005","Issuer/title and complete literal HTTPS URL":"Washington Legislature, RCW 6.13.080—Homestead exceptions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080","Actual read extent; edition/status; credits and application limits":"Complete body read; only subsection (2) used to understand the express cross-reference in RCW 61.24.100(6). Latest credit 2021 c 290 §6. No P7 homestead findings imported or reconstructed."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S006","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060","https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S006","Issuer/title and complete literal HTTPS URL":"Washington Legislature, RCW 61.12.060—Judicial foreclosure/upset price. https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060","Actual read extent; edition/status; credits and application limits":"Complete section read; credit 1935 c 125 §1. Used only for the provision displaced by RCW 61.24.100(5) in its commercial-guarantor branch. Full judicial foreclosure remains open."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S007","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604","https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S007","Issuer/title and complete literal HTTPS URL":"Washington Legislature, RCW 62A.9A-604—Real-property and personal-property collateral; fixtures. https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604","Actual read extent; edition/status; credits and application limits":"Complete subsections (a)–(d) read; credit 2000 c 250 §9A-604. Bounded current gateway for the obsolete former RCW 62A.9-501(4) reference in .020. Article 9 attachment, perfection, priority, and fixture entitlement are not completed."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S008","urls":["https://uscode.house.gov/us/usc/119-121/t12/s461/","https://uscode.house.gov/us/usc/119-121/t12/s461/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S008","Issuer/title and complete literal HTTPS URL":"U.S. House Office of the Law Revision Counsel, 12 U.S.C. §461(b)(1)(A). https://uscode.house.gov/us/usc/119-121/t12/s461/","Actual read extent; edition/status; credits and application limits":"Complete incorporated paragraph (b)(1)(A) read. Displayed currency through Public Law 119-121, October 9, 2026. Its nested institutional definitions were not fully followed. Washington’s additional “federally insured” condition remains separate."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S020","urls":["https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24","https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S020","Issuer/title and complete literal HTTPS URL":"Washington Legislature/Code Reviser, Chapter 61.24 RCW disposition table. https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24","Actual read extent; edition/status; credits and application limits":"Relevant entries read completely: .048 expired under 2023 c 206 §12; .173 and .174 repeal entries and savings references. This authenticates the displayed disposition, not the exact date of the assistance-program closure event."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S021","urls":["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S021","Issuer/title and complete literal HTTPS URL":"Washington Department of Financial Institutions/Code Reviser, Chapter 208-620 WAC—Consumer Loan Act rules. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true","Actual read extent; edition/status; credits and application limits":"Complete bodies of the rules listed in §2.3 read. Latest credits vary by rule. No entire-chapter compliance conclusion. Current .930 body was successfully read through this ordinary full-chapter route after the individual-section route failed."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","complete_visible_section_usage_records":[{"Rule and direct URL":"WAC 208-620-010, at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true","Actual complete read/use":"Full definitions. Used: Act, business day, dwelling, and broad foreclosure-referral definition.","Displayed amendment status":"Latest WSR 22-24-048, effective December 31, 2022."},{"Rule and direct URL":"WAC 208-620-011, same full-chapter URL","Actual complete read/use":"Full definitions/application of residential mortgage servicing, including master/subservicer and nonservicing-investor boundaries.","Displayed amendment status":"WSR 18-24-013, effective January 1, 2019."},{"Rule and direct URL":"WAC 208-620-104, -230, -231, -232, same full-chapter URL","Actual complete read/use":"Full scope/exemption/waiver bodies read. Used to limit the servicing overlay; no entity license conclusion.","Displayed amendment status":"-104/-230: WSR 18-24-013; -231: WSR 18-16-024; -232: WSR 19-21-157. The -104 statutory subsection reference predates the 2024 renumbering."},{"Rule and direct URL":"WAC 208-620-550. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550","Actual complete read/use":"Full rule read; subsection (1) payoff response used. Unrelated student-loan, general business, and reconveyance-clock subjects not developed.","Displayed amendment status":"WSR 19-21-157, effective November 24, 2019."},{"Rule and direct URL":"WAC 208-620-551. https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551","Actual complete read/use":"Full (1)–(9). Used for waivers, unauthorized charges, misapplication, referral and collection restrictions. Force-placed-insurance regime excluded from substantive conclusions.","Displayed amendment status":"WSR 18-16-024, effective September 1, 2018."},{"Rule and direct URL":"WAC 208-620-567, at full-chapter URL","Actual complete read/use":"Full default-fee rule.","Displayed amendment status":"WSR 18-16-024."},{"Rule and direct URL":"WAC 208-620-900, at full-chapter URL","Actual complete read/use":"Full transfer, crediting, suspense, assessment/notice, oversight provisions.","Displayed amendment status":"WSR 18-16-024."},{"Rule and direct URL":"WAC 208-620-905, at full-chapter URL","Actual complete read/use":"Complete escrow rule read for boundary; no full escrow/insurance entitlement conclusion.","Displayed amendment status":"WSR 18-16-024."},{"Rule and direct URL":"WAC 208-620-920, at full-chapter URL","Actual complete read/use":"Full information/error provisions, including both response tracks and fee limits.","Displayed amendment status":"WSR 18-16-024."},{"Rule and direct URL":"WAC 208-620-930, at full-chapter URL","Actual complete read/use":"Full (1)–(9), including complete-application, sale-proximity, appeal, confirmation and short-sale-information clauses. Individual URL failure is separately logged.","Displayed amendment status":"WSR 18-16-024."},{"Rule and direct URL":"WAC 208-620-935. https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935","Actual complete read/use":"Complete pre-referral file-support and post-sale mailing rule.","Displayed amendment status":"WSR 18-16-024."}],"raw_usage_table_index":3,"classification_reconciliation":"Complete associated section/rule usage rows retained; same source ID, no independent-source or verification increment.","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S022","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015&utm_source=chatgpt.com","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025&utm_source=chatgpt.com","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165&utm_source=chatgpt.com","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S022","Issuer/title and complete literal HTTPS URL":"Washington Legislature, Chapter 31.04 RCW—Consumer Loan Act, relied-on section pages: https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290","Actual read extent; edition/status; credits and application limits":"Complete bodies of these four sections read. Latest displayed credits respectively: 2018 c 62 §9; 2024 c 249 §2; 2018 c 62 §16; 2015 c 229 §35. Used for definitions, exemptions, rulemaking authority, and servicing duties—not a renewed provider-licensing report."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S025","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1602/","https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S025","Issuer/title and complete literal HTTPS URL":"U.S. House Office of the Law Revision Counsel, 15 U.S.C. §1602. https://uscode.house.gov/us/usc/119-120/t15/s1602/","Actual read extent; edition/status; credits and application limits":"Complete (a) and (w) read and relied on; displayed source/amendment notes inspected. Currency through Public Law 119-120, October 7, 2026. “Dwelling” incorporation only; not complete TILA/Regulation Z coverage. Later federal changes through access date were not exhaustively established."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S009","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S009","Issuer/title and literal HTTPS URL":"Washington Legislature, 2025 c 393, SSB 5686. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1","Actual read bounds; effective/application findings; limitations":"Parsed text: complete §§1, 3, 4, 19–20; selected surrounding/future sections, including §7. §§19–20 at printed p.60/PDF index 60 read completely. Current relevant §§1–4 effective January 1, 2026; §§5–7 effective January 1, 2028. Expiration list includes §§1, 2, 4, but not §3. Not entire act."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S010","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S010","Issuer/title and literal HTTPS URL":"Washington Legislature, 2025 c 119, SSB 5129. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31","Actual read bounds; effective/application findings; limitations":"Cover, substantial selected §31 text, and complete §§35–36 at printed p.82/index 82. Cover effective July 27, 2025; §31 expires January 1, 2028. Original §31 was not read continuously in its entirety; current codified .030 was."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S011","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410","https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S011","Issuer/title and literal HTTPS URL":"Washington Legislature, 2024 c 321, SSB 5796. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410","Actual read bounds; effective/application findings; limitations":"Selected §410 opening; complete §512, printed p.196/index 196. §§401–432 effective January 1, 2028. Full future association-law consolidation not audited."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S012","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4","https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S012","Issuer/title and literal HTTPS URL":"Washington Legislature, 2023 c 206, SHB 1349. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4","Actual read bounds; effective/application findings; limitations":"Complete §§1, 6–9, 12–13; selected §2. §7 at printed p.30/index 30; §§12–13 at pp.35–36/indexes 35–36. General effective July 23, 2023; §§7–9, 12 effective May 1, 2023. §7 expressly retroactive to January 1, 2023. Historical HAF pause and its closure-based expiration read."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S013","urls":["https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2","https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S013","Issuer/title and literal HTTPS URL":"Washington Legislature, 2021 c 151, SHB 1108. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2","Actual read bounds; effective/application findings; limitations":"Selected §4; complete §6 and §§13–17. Relevant immediate provisions effective May 3, 2021; other listed provisions January 1, 2022; repeal/savings provisions June 30, 2023. Not a complete historic regime reconstruction."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S014","urls":["https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7","https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S014","Issuer/title and literal HTTPS URL":"Washington Legislature, 2021 c 290, SSB 5408. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7","Actual read bounds; effective/application findings; limitations":"Complete §7, printed pp.5–7/indexes 5–7; §8 emergency clause and approval material. Effective May 12, 2021. Authenticates the specific fixed $125,000 guarantor-residence provision. Historical retroactive application not assumed."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S015","urls":["https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1","https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S015","Issuer/title and literal HTTPS URL":"Washington Legislature, 2018 c 306, SSB 2057. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1","Actual read bounds; effective/application findings; limitations":"Cover; selected §1; complete §§4–5, printed pp.20–24/indexes 20–24; end material. Effective June 7, 2018. Used for holder-wording amendment and complete rescission/restraint amendments; not entire act."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S016","urls":["https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12","https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S016","Issuer/title and literal HTTPS URL":"Washington Legislature, 1998 c 295, SSB 6191. https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12","Actual read bounds; effective/application findings; limitations":"Complete §§11–12, printed pp.19–23/indexes 19–23; cover/end. Effective June 11, 1998. Stricken former obligation-satisfaction language was distinguished from enacted text. Pre-1998 law not reconstructed."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S017","urls":["https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3","https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S017","Issuer/title and literal HTTPS URL":"Washington Legislature, 1985 c 193. https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3","Actual read bounds; effective/application findings; limitations":"Complete §5 application clause, PDF index 10; other selected text. Current codified note identifies July 28, 1985. Exact §5 is the pinpoint; no unverified printed-page number supplied. Applies to notices of default issued after the effective date."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S018","urls":["https://www.commerce.wa.gov/homeownership/foreclosure-fairness/","https://www.commerce.wa.gov/homeownership/foreclosure-fairness/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S018","Issuer/title and literal HTTPS URL":"Washington Commerce, Foreclosure Fairness Program. https://www.commerce.wa.gov/homeownership/foreclosure-fairness/","Actual read bounds; effective/application findings; limitations":"Generic program body, FAQ/referral and fee-sharing statements read. Displayed page update July 21, 2026 is not a legal effective date. Current guidelines link discovered; linked document inaccessible. No exemption roster or provider examined."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S019","urls":["https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf","https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S019","Issuer/title and literal HTTPS URL":"Washington Commerce, Foreclosure Fairness Program Guidelines, May 1, 2016. https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf","Actual read bounds; effective/application findings; limitations":"Cover and fee/scheduling material, printed pp.27–29/PDF indexes 31–33, read. Historical official guidance, not current fee authorization."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S023","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm","https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S023","Issuer/title and literal HTTPS URL":"Washington DFI, WSR 18-16-024, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm","Actual read bounds; effective/application findings; limitations":"Header, adoption/authority statement and complete amendments to -551, -567, -900, -905, -920, -930, -935 read; selected definitions. Adopted/filed July 24, 2018; effective September 1, 2018. Header expressly identifies the information-response change from 15 to 30 business days."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S024","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm","https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S024","Issuer/title and literal HTTPS URL":"Washington Legislature, 2024 c 249, SSB 6025. https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm","Actual read bounds; effective/application findings; limitations":"Complete act §§1–5 read; §§2 and 5 relied on. Effective June 6, 2024. Prospective application; pre-effective-date loans excluded unless renegotiated or modified after that date."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S026","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S026","Issuer/title and literal HTTPS URL":"Washington Legislature, 2026 c 156, SSB 5938. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1","Actual read bounds; effective/application findings; limitations":"Complete cover, §1 and end, printed pp.1–3/PDF indexes 1–3. Effective June 11, 2026. Amends the loan-closing funding fee/exclusions; does not supply a cure charge."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}},{"source_id":"S_WA-P8-S027","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P8-S027","Issuer/title and literal HTTPS URL":"Washington Legislature/Code Reviser, 2026 RCW Sections Affected table. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf","Actual read bounds; effective/application findings; limitations":"Relevant Title 61 row, printed p.10/PDF index 9, and relevant searches read. Dated April 2, 2026; discovery/version cross-check only. Led to S026. It is not operative law or proof of absence of later changes."},"coordinator_verification_status":"original_attribution_unreopened_all_limits_retained","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_check":"[internal evidence reference]","disposition":"original_attribution_unreopened_all_limits_retained","scope":"Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.","selected_evidence_keys":[],"all_original_limits_retained":true}}],"coverage":[{"topic":"1 — Instrument/security route","researcher_record":{"Requested component/subquestion":"1 — Instrument/security route","Status in this pass":"Answered textually","Source/claim/branch links":"S001 .020; C001, C008","Exact retained gap or next inquiry":"Actual instrument, obligation validity and default excluded; B01."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"1 — Beneficiary/borrower/grantor/guarantor/agent roles","researcher_record":{"Requested component/subquestion":"1 — Beneficiary/borrower/grantor/guarantor/agent roles","Status in this pass":"Answered definitions; construction partial","Source/claim/branch links":"C002–C004, C011, C027","Exact retained gap or next inquiry":"Holder/owner/agency incorporations; B04."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"1 — Trustee eligibility and successor appointment","researcher_record":{"Requested component/subquestion":"1 — Trustee eligibility and successor appointment","Status in this pass":"Answered statutory categories; incorporation partial","Source/claim/branch links":"C005–C007","Exact retained gap or next inquiry":"Replacement entity/licensing texts; B03."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"1 — Residential/consumer/commercial/agricultural distinctions","researcher_record":{"Requested component/subquestion":"1 — Residential/consumer/commercial/agricultural distinctions","Status in this pass":"Answered textually","Source/claim/branch links":"C004, C009, C016, C023","Exact retained gap or next inquiry":"Actual category and temporal predicates excluded; B02/B05."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"1 — Territorial, recording and physical-presence conditions","researcher_record":{"Requested component/subquestion":"1 — Territorial, recording and physical-presence conditions","Status in this pass":"Answered specified clauses","Source/claim/branch links":"C008, C060","Exact retained gap or next inquiry":"Full jurisdiction/interstate/tribal/title law held; B28."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"1 — Judicial alternative and mixed collateral","researcher_record":{"Requested component/subquestion":"1 — Judicial alternative and mixed collateral","Status in this pass":"Bounded gateway answered","Source/claim/branch links":"C014–C015; S006–S007","Exact retained gap or next inquiry":"Full judicial foreclosure, execution, redemption, Article 9 and priority remain open."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2 — Contact and due diligence","researcher_record":{"Requested component/subquestion":"2 — Contact and due diligence","Status in this pass":"Answered operative duties","Source/claim/branch links":"C016–C019; Q03–Q05","Exact retained gap or next inquiry":"Reference-event reconciliation; B06."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2 — NOD/holder declaration/content/delivery","researcher_record":{"Requested component/subquestion":"2 — NOD/holder declaration/content/delivery","Status in this pass":"Answered current clauses","Source/claim/branch links":"C011, C020","Exact retained gap or next inquiry":"No actual truth, authority or compliance; B01/B04."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2 — Death/successor notices and documents","researcher_record":{"Requested component/subquestion":"2 — Death/successor notices and documents","Status in this pass":"Answered procedural text","Source/claim/branch links":"C021–C022","Exact retained gap or next inquiry":"Title/intestacy/assumption qualification; B07."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2 — Mediation scope/exclusions","researcher_record":{"Requested component/subquestion":"2 — Mediation scope/exclusions","Status in this pass":"Answered state text; federal category partial","Source/claim/branch links":"C023–C025","Exact retained gap or next inquiry":"Nested institution definitions and exact amended-notice interaction; B08/B09."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2 — Referral/documents/session/certification","researcher_record":{"Requested component/subquestion":"2 — Referral/documents/session/certification","Status in this pass":"Answered","Source/claim/branch links":"C025–C032","Exact retained gap or next inquiry":"Applicable NPV program and formal reconciliation; B11/B12."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2 — Mediation fee","researcher_record":{"Requested component/subquestion":"2 — Mediation fee","Status in this pass":"Partial/held current administrative amount","Source/claim/branch links":"C033; Q14–Q15","Exact retained gap or next inquiry":"Current operative Commerce authorization; B10 and F01."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"2 — Declaration/certification versus adjudication","researcher_record":{"Requested component/subquestion":"2 — Declaration/certification versus adjudication","Status in this pass":"Answered boundary","Source/claim/branch links":"C011, C027, C030, C034","Exact retained gap or next inquiry":"Evidentiary construction and actual proof held."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3 — Cure eligibility/base/reinstatement/tender","researcher_record":{"Requested component/subquestion":"3 — Cure eligibility/base/reinstatement/tender","Status in this pass":"Answered text; cutoff unresolved","Source/claim/branch links":"C044–C050","Exact retained gap or next inquiry":"Eleventh-day wording and specific maturity/expense questions; B16/B17."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3 — Payoff/information/payment/expense safeguards","researcher_record":{"Requested component/subquestion":"3 — Payoff/information/payment/expense safeguards","Status in this pass":"Answered; statutory/rule response conflict held","Source/claim/branch links":"C051–C055","Exact retained gap or next inquiry":"B15; actual fees, payments and accounts excluded."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3 — State modification/loss mitigation","researcher_record":{"Requested component/subquestion":"3 — State modification/loss mitigation","Status in this pass":"Answered conditional state framework","Source/claim/branch links":"C037–C043","Exact retained gap or next inquiry":"CLA scope, completeness/late timing, federal program incorporations; B13/B14/B25."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3 — Short sale/pooling agreement","researcher_record":{"Requested component/subquestion":"3 — Short sale/pooling agreement","Status in this pass":"Bounded statutory interface answered","Source/claim/branch links":"C035–C036","Exact retained gap or next inquiry":"No approval, contractual duty or actual agreement inferred."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"3 — Redemption versus discharge","researcher_record":{"Requested component/subquestion":"3 — Redemption versus discharge","Status in this pass":"State nonjudicial clause answered; other regimes held","Source/claim/branch links":"C048, C066, C073, C075","Exact retained gap or next inquiry":"Independent federal/judicial redemption or discharge; B25/B26."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Sale setting and recipients","researcher_record":{"Requested component/subquestion":"4 — Sale setting and recipients","Status in this pass":"Answered","Source/claim/branch links":"C056–C058; Q32","Exact retained gap or next inquiry":"No actual schedule or notice validation."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Publication/heirs/occupant notice","researcher_record":{"Requested component/subquestion":"4 — Publication/heirs/occupant notice","Status in this pass":"Answered generic requirements","Source/claim/branch links":"C057–C059","Exact retained gap or next inquiry":"Diligence/title/tenant predicates held."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Conduct/bids/place/hours","researcher_record":{"Requested component/subquestion":"4 — Conduct/bids/place/hours","Status in this pass":"Answered statute","Source/claim/branch links":"C060–C061","Exact retained gap or next inquiry":"No bidding, payment or sale instruction."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Continuance and additional notice","researcher_record":{"Requested component/subquestion":"4 — Continuance and additional notice","Status in this pass":"Answered separate mechanisms","Source/claim/branch links":"C062; Q36","Exact retained gap or next inquiry":"Exact branch interaction/actual prior compliance; B18."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Judicial restraint and reset","researcher_record":{"Requested component/subquestion":"4 — Judicial restraint and reset","Status in this pass":"Bounded state framework answered","Source/claim/branch links":"C063–C065","Exact retained gap or next inquiry":"Federal stay and full litigation construction held."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Completion/deed/statutory rescission","researcher_record":{"Requested component/subquestion":"4 — Completion/deed/statutory rescission","Status in this pass":"Answered","Source/claim/branch links":"C066–C069","Exact retained gap or next inquiry":"Actual ground/title/evidentiary status held; B19."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Distribution/surplus/reconveyance","researcher_record":{"Requested component/subquestion":"4 — Distribution/surplus/reconveyance","Status in this pass":"Answered route-specific clauses","Source/claim/branch links":"C070–C073","Exact retained gap or next inquiry":"Priority and independent release clocks excluded; B20."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Former assistance-program pause","researcher_record":{"Requested component/subquestion":"4 — Former assistance-program pause","Status in this pass":"Expired status authenticated; exact date unresolved","Source/claim/branch links":"C074; S012/S020","Exact retained gap or next inquiry":"B24."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"4 — Possession/tenancy","researcher_record":{"Requested component/subquestion":"4 — Possession/tenancy","Status in this pass":"Only indispensable gateway","Source/claim/branch links":"C072","Exact retained gap or next inquiry":"Full tenant/eviction component excluded; B27."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5 — Basic deficiency bar","researcher_record":{"Requested component/subquestion":"5 — Basic deficiency bar","Status in this pass":"Answered","Source/claim/branch links":"C075–C076","Exact retained gap or next inquiry":"No conclusion about every related obligation."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5 — Commercial borrower/guarantor exceptions","researcher_record":{"Requested component/subquestion":"5 — Commercial borrower/guarantor exceptions","Status in this pass":"Answered current text","Source/claim/branch links":"C077–C087","Exact retained gap or next inquiry":"Historical exact-date, actual purpose/security/notice and prior-law branches; B21."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5 — Fair value/fixed guarantor residence provision","researcher_record":{"Requested component/subquestion":"5 — Fair value/fixed guarantor residence provision","Status in this pass":"Answered symbolic text","Source/claim/branch links":"C080–C082; Q44–Q45","Exact retained gap or next inquiry":"No valuation, amount or general homestead substitution; B22."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5 — Contract, deed-in-lieu and reimbursement","researcher_record":{"Requested component/subquestion":"5 — Contract, deed-in-lieu and reimbursement","Status in this pass":"Answered statutory boundaries","Source/claim/branch links":"C083–C086","Exact retained gap or next inquiry":"No actual or invented agreement reviewed."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"5 — Waiver/damages/collusion/CPA designation","researcher_record":{"Requested component/subquestion":"5 — Waiver/damages/collusion/CPA designation","Status in this pass":"Bounded answer","Source/claim/branch links":"C088–C090","Exact retained gap or next inquiry":"Full cause/remedy and judicial construction held; B23."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6 — Full judicial foreclosure/execution/redemption","researcher_record":{"Requested component/subquestion":"6 — Full judicial foreclosure/execution/redemption","Status in this pass":"Deliberately excluded beyond gateway","Source/claim/branch links":"C015, C065, C080","Exact retained gap or next inquiry":"Separate component required."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6 — Homestead/title/priority/community property/probate","researcher_record":{"Requested component/subquestion":"6 — Homestead/title/priority/community property/probate","Status in this pass":"Deliberately excluded beyond indispensable clauses","Source/claim/branch links":"S005, C010, C082","Exact retained gap or next inquiry":"B07/B20/B28; P7 not reused."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6 — Federal servicing/SC​​RA/bankruptcy","researcher_record":{"Requested component/subquestion":"6 — Federal servicing/SC​​RA/bankruptcy","Status in this pass":"Explicit dependencies; no full federal proposition","Source/claim/branch links":"S001 .025; B25/B26","Exact retained gap or next inquiry":"Complete current federal scope/exception/effective texts required."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6 — Government loans/federal liens/local/tribal/interstate","researcher_record":{"Requested component/subquestion":"6 — Government loans/federal liens/local/tribal/interstate","Status in this pass":"Held","Source/claim/branch links":"B12/B25/B28","Exact retained gap or next inquiry":"Separate generic regimes; no eligibility or preemption outcome."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"6 — Consumer remedies and judicial construction","researcher_record":{"Requested component/subquestion":"6 — Consumer remedies and judicial construction","Status in this pass":"Held except narrow statutory boundaries","Source/claim/branch links":"C088–C090; B23/B29","Exact retained gap or next inquiry":"No cases, opinions, dockets or enforcement records searched."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7 — Current/future/historical/adopted status","researcher_record":{"Requested component/subquestion":"7 — Current/future/historical/adopted status","Status in this pass":"Material originals authenticated within read bounds","Source/claim/branch links":"S009–S017, S023–S027; C091","Exact retained gap or next inquiry":"No assertion of complete historical or future-law reconstruction."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7 — Direct URLs/pinpoints/read bounds","researcher_record":{"Requested component/subquestion":"7 — Direct URLs/pinpoints/read bounds","Status in this pass":"Supplied visibly","Source/claim/branch links":"§2 source/usage register","Exact retained gap or next inquiry":"Original partial-read limits expressly identified."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"7 — Failed routes and different ordinary route","researcher_record":{"Requested component/subquestion":"7 — Failed routes and different ordinary route","Status in this pass":"Supplied visibly","Source/claim/branch links":"§8 below","Exact retained gap or next inquiry":"Current fee and exact HAF expiration event remain open."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"Registry dimension 6 beyond this component","researcher_record":{"Requested component/subquestion":"Registry dimension 6 beyond this component","Status in this pass":"Open","Source/claim/branch links":"Scope boundary","Exact retained gap or next inquiry":"Other secured-debt, judicial foreclosure and sector components remain required."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}},{"topic":"All earlier Washington components/holds","researcher_record":{"Requested component/subquestion":"All earlier Washington components/holds","Status in this pass":"Preserved unchanged","Source/claim/branch links":"Supplied scope context only","Exact retained gap or next inquiry":"No P1/P2 patch, P3–P7 acceptance, Washington acceptance or A066 acceptance follows."},"raw_table_index":17,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T09:48:44.432656+00:00","identity":"delegated coordinator /root/review_wv1; not independent","reconciliation":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_or_topic_acceptance":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WA-P8-SCOPED-REVIEW","status":"scoped_partial_not_accepted","at":null},{"id":"S_WA-P8-V001","status":"held_validation_only_UNSENT","at":null},{"id":"S_WA-P8-V002","status":"held_validation_only_UNSENT","at":null},{"id":"S_WA-P8-V003","status":"held_validation_only_UNSENT","at":null},{"id":"S_WA-P8-V004","status":"held_validation_only_UNSENT","at":null},{"id":"S_WA-P8-V005","status":"held_validation_only_UNSENT","at":null}]}