{"meta":{"key":"s_wa--pass-11","task":"S_WA","title":"SWA Washington consumer credit sales and retail installment obligations","parent_title":"Washington debt and debt relief law","edition":"pass-11","path":"/research/s_wa--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":18,"claims":81,"sources":45,"review_status":"scoped_coordinator_selected_retailcredit_review_complete_source_history_construction_application_parent_holds","review_complete":true,"sha256":"8ce4112551caf7d93426d28319f0b089ef59ce7775e17869ba1e67bc91ac1cd0","headings":["1. Principal findings","Identifier convention","2. Material legal-category and authority comparisons","A. Scope, definitions, and classification","Vehicle-actor scope qualification","B. Agreement creation, contents, delivery, and records","C. Service charges, additional charges, insurance, and vehicle fees","D. Payments, prepayment, deferral, default, and cancellation","E. Assignee, nonwaiver, and remedy boundaries","F. Ancillary GAP protection and currentness","5.1 Current codified chapter 63.14 — S_WA-P11-S001","5.2 Other current statutes and rules","5.3 Enacted originals, adoption orders, and material version boundaries","9.1 Reading log by purpose","9.2 Search log","9.3 Discovery-only and read-but-not-relied-on material","9.4 Failed routes and materially different ordinary recoveries"],"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-11","facets":{"geography":["us","us-wa"],"debt_type":["store_cards"],"stage":[],"subject":[]},"scope":"Independentrequiredgenericconsumercreditgoods/retailinstallmentsaleandmaterialmotorvehiclelawboundariesdimension6;notfullArticle9remediesorproviderlicensing.","pending_corrections":0},"markdown":"# S_WA PASS-11 — Washington consumer credit sales and retail installment obligations\n\n**Actual public-source access:** October 28, 2026, America/Los_Angeles.\n**Component:** Generic credit sales of ordinary personal-property goods, including material motor-vehicle distinctions.\n**Evidence basis:** Newly read Washington statutes, selected enacted originals, and operative administrative rules. Earlier Washington reports and supplied overlap metadata are scope context only.\n\n## 1. Principal findings\n\nWashington’s operative framework is **chapter 63.14 RCW, Retail Installment Sales of Goods and Services**. It expressly addresses motor-vehicle installment contracts; **chapter 46.70 RCW adds vehicle-dealer requirements**. A transaction’s substance, purpose, payment structure, and statutory exclusions matter. A sale, loan, revolving account, consumer lease, and lease-purchase agreement do not become interchangeable because each involves deferred payments. [C001–C010] [app.leg.wa.gov+3](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com)\n\nThe current retail-installment service-charge provision uses the **amount or rate agreed to and disclosed**, rather than the historical numerical rate schedule. The former sunset was repealed. This does **not** establish unlimited authority to impose additional fees: the statute makes the service charge inclusive of specified origination and installment-privilege charges, with particular exceptions, and preserves separate requirements for delinquency charges, insurance, vehicle fees, and other provisions. [C025–C032, C076] [app.leg.wa.gov+2](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130&utm_source=chatgpt.com)\n\nThree material limits remain expressly held:\n\n- **Deferral charges:** RCW 63.14.156 still incorporates obsolete rate subdivisions. The acknowledgment requirement, charge base, interval, and minimum-charge language can be reported; an exact current incorporated rate cannot be supplied from the read text alone.\n- **Historical telephone-solicitation incorporation:** RCW 63.14.154 names the 1989 enactment. Both that original definition and the materially amended current definition were read, but static versus dynamic incorporation remains unresolved.\n- **Federal conditions:** State provisions expressly referencing TILA or other federal law establish conditional state rules. This pass does not establish federal compliance, preemption, APR treatment, federal prepayment constraints, or federal holder-rule consequences. [C024, C038, C046, C067; B009, B012, B024]\n\nThe report below distinguishes **textually established rules**, **conditional statutory consequences**, and **unresolved application or construction**. It supplies no transaction classification, charge entitlement, payment instruction, cancellation decision, or actual remedy determination.\n\n### Identifier convention\n\nEvery shortened source reference below expands to **S_WA-P11-S###**; every shortened claim reference expands to **S_WA-P11-C###**. Quantity and branch identifiers use **S_WA-P11-Q###** and **S_WA-P11-B###** respectively. Source IDs are assigned by legal instrument or codified chapter, with exact section-level URL and reading maps; separate sections or formats are not represented as independent corroboration.\n\n## 2. Material legal-category and authority comparisons\n\n| Category or authority | Source-stated distinction | Consequence and retained boundary |\n| --- | --- | --- |\n| Covered retail installment transaction | Service charge plus payment of unpaid principal in one or more installments; alternatively, no service charge and payment in more than four installments. | Chapter 63.14 classification depends on its complete definitions, not the transaction’s label. C001–C006. |\n| Ordinary goods versus business goods | Chapter 63.14 goods and services definitions use primarily personal, family, or household purposes and exclude commercial/business use. | Business, agricultural, mixed-purpose, and noncovered transactions require their own analysis. C001–C003; B001. |\n| Closed-end contract versus revolving agreement | A retail installment contract excludes retail charge and lender-card agreements; those arrangements have separate disclosure and charge provisions. | A revolving-account minimum charge or delinquency formula cannot automatically be transferred to a closed-end vehicle contract. C005, C020, C027–C029. |\n| Credit sale versus loan | RCW 19.52.100 excludes qualifying chapter 63.14 transactions from the usury chapter; .120 separately addresses deferred-payment sales despite specified financing participation. | These are statutory exclusions for qualifying transactions, not a general exclusion for every loan used to buy goods. C010; B002. |\n| Lease-shaped sale versus consumer lease | Chapter 63.14 includes certain ownership-oriented bailments/leases but expressly excludes specified consumer leases and lease-purchase agreements. | Ownership terms, duration, purpose, and cross-referenced exclusions must be resolved; residual-value language alone does not settle classification. C006–C008. |\n| Motor-vehicle credit sale | Chapter 63.14 applies its express vehicle clauses alongside relevant chapter 46.70 requirements. | Vehicle-specific itemization, documentary-fee, conditional-acceptance, and cancellation provisions supplement the generic framework. C022–C023, C031–C035, C045–C051. |\n| Financial-institution card | RCW 63.14.165 excludes the defined card arrangement from most of chapter 63.14, while retaining .167 and referring to chapter 19.52. | This is not a blanket exemption for every assigned retail contract held by a financial institution. C009–C011. |\n| GAP waiver | Chapter 48.160 has its own definitions, exclusions, disclosures, assignment, and conditional refund rules. | Inclusion of GAP cost in statutory sale-price categories does not eliminate the separate framework or establish federal finance-charge treatment. C065–C072. |\n| Enacted statute | RCW text supplies current codification; session laws establish material amendments, effective dates, and savings/application clauses. | A latest-credit date is not the effective date of every clause. S001–S039. |\n| Adopted administrative rule | DOL and OIC rules supply the specifically identified requirements within their statutory authority. | A proposed or withdrawn rule is not an operative amendment. C073–C074, C081. |\n| Judicial construction | No cases, opinions, dockets, or party records were investigated. | Ambiguous incorporation, standards such as reasonableness, and actual application remain held. Branch register. |\n\n# 3. Atomic consequential claim register\n\n**Confidence convention:** “Text verified” means the stated public-law text was read and supports the bounded assertion. It does not establish that its factual predicates exist. “Held” identifies a construction, incorporation, historical, or external-law dependency.\n\n## A. Scope, definitions, and classification\n\n| Claim ID | Precise assertion, conditions, and exceptions | Sources and exact pinpoints; confidence |\n| --- | --- | --- |\n| **S_WA-P11-C001** | Chapter 63.14 covers defined goods and services purchased primarily for personal, family, or household use. Goods exclude money and generally things in action, but include the specified seller certificates/coupons and goods becoming fixtures. Services exclude the specified legally regulated-price services. | S001 .010(2), (16); S021 §1152. Text verified. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com) |\n| **S_WA-P11-C002** | “Person” includes individuals and organized entities; buyer and seller are separately defined, and the seller must be engaged in the business of selling goods or services to retail buyers. The read retail definitions are not restricted to natural-person buyers. | S001 .010(6), (9), (13). Text verified; purpose remains indispensable. |\n| **S_WA-P11-C003** | The contract, retail-charge, and lender-card definitions use “entered into or performed” in Washington. The lender-card definition separately requires a cardholder residing in Washington. No general sale-price ceiling appears in these retail-transaction definitions. | S001 .010(3)–(4), (10)–(12). Text verified; no complete territorial or conflicts conclusion. |\n| **S_WA-P11-C004** | A retail installment transaction requires either a service charge with unpaid principal payable in one or more installments, or no service charge with unpaid balance payable in more than four installments. | S001 .010(12); S018 §1. Text verified. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com) |\n| **S_WA-P11-C005** | A retail installment contract is distinct from a retail-charge or lender-card agreement. It may include a conditional sale or chattel mortgage; classification does not establish valid security, attachment, perfection, priority, or default. | S001 .010(10)–(11); S021 §1152. Text verified; security issues excluded. |\n| **S_WA-P11-C006** | A bailment/lease may fall within the contract definition when compensation is substantially equivalent to or exceeds goods value and ownership is mandatory or available for no or nominal additional consideration. The statute expressly excludes consumer leases, specified otherwise-consumer leases, and chapter 63.19 lease-purchase agreements. | S001 .010(11), complete; S003; S004. Text verified; classification interaction held where ambiguous. |\n| **S_WA-P11-C007** | The consumer-lease definition generally requires a natural person, personal/family/household purpose, duration exceeding four months, and obligation not exceeding $25,000; the dollar ceiling does not apply to motor-vehicle consumer leases. Agricultural/business/commercial, governmental, organizational, retail-installment, and lease-purchase exclusions remain material. | S003 .020(4)–(6), complete. Residual-value liability alone does not defeat consumer-lease status. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com) |\n| **S_WA-P11-C008** | Chapter 63.19’s lease-purchase definition uses an initial term of four months or less, renewable payments, no obligation beyond the initial term, and an ownership option. Its separation from retail-sale/security/usury law is conditioned on compliance with that chapter. Automobile leases are expressly excluded, as are the other categories in .020(2). | S004 .010 and .020, complete. Full rental-purchase obligations excluded. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com) |\n| **S_WA-P11-C009** | Defined financial-institution cards are outside chapter 63.14 except .167; the statute refers them to chapter 19.52. A qualifying lender-card agreement under .125 may not provide a security interest in goods or real property. | S001 .010(1), (3)–(4), .125, .165–.167. Text verified; federal/institutional overlay held. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165&utm_source=chatgpt.com) |\n| **S_WA-P11-C010** | RCW 19.52.100 excludes qualifying chapter 63.14 transactions whether or not construed as loans or forbearances. Section .120 separately excludes deferred-payment goods/services sales despite the eight listed financing-related events, including assignment arrangements, supplied forms/rate information, credit evaluation, negotiation assistance, transfers, and affiliated services. | S002 .100; .120(1)–(8), complete. This does not classify an independent loan as a sale. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com) |\n| **S_WA-P11-C011** | Assignment does not change a qualifying transaction’s retail-installment character. Charges by an assignee to the seller-assignor are not limited by the identified retail/usury provisions; that is not authority for an additional buyer charge. The two provisions’ retained-duty wording differs and is not silently harmonized here. | S001 .145; S002 .130(1), complete. Text verified; .130(2)’s federal cash-discount incorporation held. |\n| **S_WA-P11-C012** | Special dog/cat provisions depart from ordinary recovery rules: .127 addresses live-dog/cat collateral contracts; .220 makes purchase installment transactions entered on or after July 23, 2023 void and bars collecting principal, interest, or charges. The 2019 act also contains specific ownership/refund and unsecured-loan qualifications. | S001 .127, .220; S028 §§2, 5–6; S029 §5. These exceptions are not generalized to other goods. [app.leg.wa.gov+1](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127&utm_source=chatgpt.com) |\n\n### Vehicle-actor scope qualification\n\nFor the vehicle findings below, RCW 46.70.011(9), (16)–(18) supplies the motor-vehicle, vehicle, and dealer definitions. Dealer exclusions include specified court-appointed actors, public officers, employees acting in their duties, isolated owner sales, specified agricultural/industrial equipment sellers, qualified real-estate activity involving manufactured/mobile homes, construction-equipment operators, qualifying financial institutions, regular lease/contract assignees, and the narrowly conditioned manufactured-housing category in (18)(j). These exclusions are activity-specific; they do not establish an exemption from chapter 63.14 itself. Incorporated title, equipment, housing, and licensing predicates remain dependencies. **S005 .011, complete; S031 §1; B003, B027.** [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011&utm_source=chatgpt.com)\n\n## B. Agreement creation, contents, delivery, and records\n\n| Claim ID | Precise assertion, conditions, and exceptions | Sources and exact pinpoints; confidence |\n| --- | --- | --- |\n| **S_WA-P11-C013** | A retail installment contract ordinarily must be one document containing the entire agreement and debt evidence, subject to .050, .060, and .110. A separate mortgage-secured note is permitted with reciprocal references, but assignment/negotiation must not cut off seller-related buyer claims or defenses, and the instrument must say so. | S001 .020, first paragraph, complete. Separate improvement-mortgage permission and FHA improvement exclusion are boundaries, not mortgage findings. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020&utm_source=chatgpt.com) |\n| **S_WA-P11-C014** | The contract must be dated, buyer-signed, and complete as to essential provisions, subject to .060–.070. Printed/typed provisions, excluding completion instructions, require at least eight-point type. Essential blanks generally cannot remain at signature; .070 permits specified later-delivery information. | S001 .020 final paragraph; .070, complete. Electronic-signature equivalence held. |\n| **S_WA-P11-C015** | The seller generally must deliver a copy at signing, subject to .060. Later acceptance requires mailing an accepted copy or memorandum. Until the seller complies, the buyer is obligated only for the sale price. A receipt acknowledgment must meet the specified ten-point boldface placement requirement. | S001 .030, complete. Text verified; this is not a general declaration that the transaction is void. |\n| **S_WA-P11-C016** | The agreement must state the parties, relevant addresses, goods/services identification, and the ordered amount categories in .040(1)(a)–(j). The prescribed buyer notice requires at least ten-point boldface immediately above the signature space, with the subsection-specific cancellation qualification. | S001 .040(1)–(2), complete; S022 §2. Q004–Q008 preserve the amount and typography distinctions. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040&utm_source=chatgpt.com) |\n| **S_WA-P11-C017** | The payment-schedule disclosure has an exception for equal scheduled installments where the final installment does not substantially exceed preceding installments. The first due date may be expressed by date or by reference to contract, delivery, or installation events. | S001 .040(1)(j), complete. “Substantially” is not assigned a numerical value. |\n| **S_WA-P11-C018** | The mail/telephone order exception depends on catalog/printed-solicitation conditions and absence of in-person solicitation. Required information must be supplied before the first installment is due; when the catalog omitted the required terms, the memorandum must precede or accompany delivery/services. | S001 .060, complete. It is not a blanket remote-sale exemption. |\n| **S_WA-P11-C019** | A qualifying multipurchase arrangement may use supplemental slips/books/statements. Subsequent-purchase consolidation may use the statutory memorandum instead of repeating .020–.040, but must contain the required old/new/consolidated information and be delivered before the first consolidated installment is due. | S001 .050; .110(1), complete. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com) |\n| **S_WA-P11-C020** | Retail-charge/lender-card rate, balance, and full-payment information must be supplied at or before agreement; oral initial disclosure requires a memorandum upon credit approval. A statement is due promptly after each agreed monthly/regular period with an unpaid balance. Retail-charge agreements also require the statutory notice. | S001 .120(1)–(3), complete. Its older notice text does not resolve the later motor-vehicle exclusion. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120&utm_source=chatgpt.com) |\n| **S_WA-P11-C021** | Cash payment requires a written receipt. On written request, the holder must state payment dates/amounts and unpaid total; the first statement is free and later statements may cost no more than $1 each. | S001 .100, complete. No response-day deadline was supplied by this section. |\n| **S_WA-P11-C022** | For the covered vehicle sale, the seller must give a signed written itemization of financing, insurance, taxes, and other charges before execution/consummation. The title-application exception does not dispense with other required transaction documents. | S005 .130(1)–(2), complete. No title application or transaction document examined. |\n| **S_WA-P11-C023** | Dealer records must generally be retained at least five years. Paper/electronic and offsite-storage alternatives have separate conditions, including the director-request production period. These are regulatory record duties, not a general consumer inspection entitlement. | S005 .120, complete; S027 §1. Q031 gives exact periods. |\n| **S_WA-P11-C024** | Chapter 63.14’s disclosure requirements are deemed satisfied when the transaction complies with TILA and implementing regulations as in force at execution. This is a conditional state disclosure provision, not verified federal compliance or a waiver of every substantive state rule. | S001 .151, complete. Federal incorporation held. |\n\n## C. Service charges, additional charges, insurance, and vehicle fees\n\n| Claim ID | Precise assertion, conditions, and exceptions | Sources and exact pinpoints; confidence |\n| --- | --- | --- |\n| **S_WA-P11-C025** | The current closed-end service charge may not exceed the dollar amount or rate agreed to and disclosed. Revolving/charge/lender-card service charges may not exceed the agreed disclosed schedule or rate. | S001 .130(1)–(2); S016 §1; S017 §§1–5. No separate current numerical rate ceiling is supplied by this clause. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130&utm_source=chatgpt.com) |\n| **S_WA-P11-C026** | The service charge includes charges incident to investigating/making the contract or charge agreement and the installment-payment privilege. The opening paragraph bars additional charges for those matters except the specifically referenced vehicle administrative and documentary fees. | S001 .130 opening paragraph; S021 §1153. Definitions excluding an item from “service charge” do not independently authorize it. |\n| **S_WA-P11-C027** | For the agreements listed in .130(2), a monthly computed service charge below $1 may be increased to $1. | S001 .130(2). This is not a closed-end setup fee or a universal minimum finance charge. |\n| **S_WA-P11-C028** | Delinquency/collection charges, attorney fees, court costs, and disbursements require agreement authorization and must be reasonable. An attorney fee is unavailable under this clause unless collection is referred to an attorney who is not the holder’s salaried employee. | S001 .090(1)–(2), complete. No general fixed closed-end late-fee ceiling established. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090&utm_source=chatgpt.com) |\n| **S_WA-P11-C029** | The special delinquency formula is limited to retail-charge/lender-card accounts satisfying .090(3): minimum payment received within the following ten days, prior thirty-day average balance below $100, and the stated more-than-thirty-days-overdue exclusion. The cap is 10% of that average, with a permitted minimum up to $2. | S001 .090(3); S020 §1. It is not a general grace period or a closed-end vehicle-contract cap. |\n| **S_WA-P11-C030** | Included insurance requires disclosures of nature, purpose, term, amount, and procuring party, plus the vehicle-liability exclusions statement when applicable. The amount is limited to insurer-fixed premiums, subject to the text’s below-$1 exception. Seller/holder procurement triggers the forty-five-day document/notice duty. | S001 .140(1)–(4), complete. No invented rounding rule or general insurance refund rule. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140&utm_source=chatgpt.com) |\n| **S_WA-P11-C031** | A dealer documentary service fee is optional and negotiable, capped at $200 per sale/lease, and subject to written advance disclosure, conspicuous negotiability disclosure, separate designation, and advertisement requirements. It cannot be represented as state-required. | S005 .180(2), complete; S024 §211(2), §511. Effective change verified July 1, 2022. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com) |\n| **S_WA-P11-C032** | The referenced administrative amount is a $2.50 dealer share of the $6.50 emergency medical services fee under the specified title-application transactions. It is not an additional $2.50 on top of that fee. The total-loss qualification remains material. | S006 .110(1)–(2); S007 .440(1)–(2); S021 §§509, 820. Full title-fee coverage excluded. |\n| **S_WA-P11-C033** | A lender sharing common control with a brand owner cannot condition acceptance of assignment on purchase of a secondary product from a particular provider, administrator, or insurer. The statute designates a CPA/public-interest consequence. | S001 .043(2)–(3); S008 .196(4); S023 §2. Full CPA elements/remedies held. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043&utm_source=chatgpt.com) |\n| **S_WA-P11-C034** | The incorporated control definition concerns actual power to direct management/policies and includes a rebuttable voting-control presumption. The disclaimer process has its own complete-application, disallowance, and hearing qualifications. | S009 .005(3), .025(11), complete; Q015. No actual affiliation or control finding. |\n| **S_WA-P11-C035** | A motor-vehicle installment contract meeting the identified state and applicable federal requirements must be accepted **for consideration** by an applied-to lender, except lenders both licensed and regulated under chapter 31.04. | S001 .043(1), complete. This is not mandatory credit approval or proof of conformity. |\n\n## D. Payments, prepayment, deferral, default, and cancellation\n\n| Claim ID | Precise assertion, conditions, and exceptions | Sources and exact pinpoints; confidence |\n| --- | --- | --- |\n| **S_WA-P11-C036** | Before final maturity, a buyer whose purchaser rights have not been terminated or forfeited may prepay the full unpaid time balance and receive the statutory unearned-service-charge credit. | S001 .080, complete; S019 §5. This is full prepayment, not a universal arrears-only cure. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080&utm_source=chatgpt.com) |\n| **S_WA-P11-C037** | The state refund relation uses periodic time balances, subject to four minimum-earned-charge tiers and the below-$1 refund exception. The interaction where the original service charge is below a tier minimum is not resolved by inventing a zero floor, negative refund, or additional charge. | S001 .080; S019 §5. Exact relations in Q020; federal and construction dependencies B009. |\n| **S_WA-P11-C038** | An agreed extension/deferral requires a written acknowledgment sent or delivered before a charge is made. The permitted base and interval are stated, but the cap points to obsolete .130 subdivisions; the reviser flags the error. Additional continuation-insurance cost remains subject to .140. | S001 .156, complete; S019 §§8, 13; S016. **Exact current incorporated cap held.** [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156&utm_source=chatgpt.com) |\n| **S_WA-P11-C039** | Refinancing requires written agreement and the listed disclosures. Its charge base includes the amount refinanced and qualifying additional insurance/official fees, less the prepayment-equivalent credit **without minimum-earned retention**; the rate refers to .130. Consolidation invokes .110. | S001 .158, complete; S019 §14. The obsolete .080(1)(d) reference is separately held, without deleting the express no-minimum instruction. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158&utm_source=chatgpt.com) |\n| **S_WA-P11-C040** | When an installment exceeds twice the average of preceding installments, default on that installment triggers the specified rescheduling right. Without agreement, new installments may not be substantially greater than the prior average. The seasonal/irregular-income-or-employment exception remains. | S001 .159, complete. No numerical substitute for “substantially greater.” |\n| **S_WA-P11-C041** | Where consolidation includes seller-retained title/security, prior payments, the new downpayment, and later payments have distinct statutory allocations. Later payments ordinarily follow original cash-sale-price ratios; the installment-increase alternative and attached-goods/services exception are material. | S001 .110(2)(a)–(c), including final exception. Q024. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com) |\n| **S_WA-P11-C042** | When a separate seller accepts a card-financed return/service credit, the seller and issuer have separate seven-working-day transmission and three-working-day credit duties. Delay-caused service charges are excluded, and annual cardholder notice has its own interval limits. | S001 .167(1)–(4), complete. This does not create a general right to return goods. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167&utm_source=chatgpt.com) |\n| **S_WA-P11-C043** | For a qualifying nonvehicle off-premises solicitation transaction, .154 specifies cancellation by certified-mail, return-receipt-requested notice posted by the stated third-day midnight cutoff, coupled with the goods-return/availability condition. | S001 .154(1)–(2); S022 §3. Telephone incorporation qualified by C046. |\n| **S_WA-P11-C044** | Cancellation under .154 requires automatic refund of deposits within ten days, return of trade-ins subject to reasonable actual ready-for-sale costs, and return/availability of received goods in original condition; no additional cancellation liability is imposed. | S001 .154(2), complete. Not a rule for every cancellation or prepayment. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154&utm_source=chatgpt.com) |\n| **S_WA-P11-C045** | Section .154 does not apply to retail installment purchases of motor vehicles. Its offsite dealer-sale clause requires written disclosure that .154 supplies no cancellation right. The .040 notice exception separately refers to sale by a licensed vehicle dealer. | S001 .154(3), .040(2) final paragraph; S022 §§2–3. No conclusion about other cancellation grounds. |\n| **S_WA-P11-C046** | The cancellation statute expressly incorporates commercial telephone solicitation “as defined by chapter 20, Laws of 1989.” The original definition/exclusions and current amended .020 were read, but which later wording is incorporated remains unresolved. | S036 §3, §18; S037 .020. **Construction held**, not a universal telephone-sale right. |\n| **S_WA-P11-C047** | For a conditional/future-acceptance vehicle agreement, the dealer must communicate unconditional acceptance or rejection/tender within the statutory bushing period and before further negotiations. Rejection voids the agreement subject to specified surviving reasonable return/damage/mileage/lawful-fee terms; tender may be conditioned on vehicle return. | S005 .180(4)(a); S025 §1(4)(a); S026 §2. Q028. |\n| **S_WA-P11-C048** | Bushing communication may use the enumerated supplied email/phone, voice/text, in-person, conditionally available first-class-mail, or agreed/approved means. The statute makes it effective on execution, mailing, or sending—not a universal receipt rule. | S005 .180(4)(a), final sentence; S025 §1(4)(a), complete. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com) |\n| **S_WA-P11-C049** | The bushing clause preserves the specified material-misrepresentation branch only with its dealer/staff knowledge-and-participation qualifications. | S005 .180(4)(a), complete. No misrepresentation, contractual remedy, or Article9 entitlement is established here. |\n| **S_WA-P11-C050** | Trade-in allowance renegotiation is limited to listed title-brand, undiscoverable substantial-damage/latent-defect, additional-mileage, or mileage-discrepancy grounds. “Excessive additional miles” means at least 500 between valuation and delivery. | S005 .180(4)(b); S025 §1(4)(b). Title-brand incorporations held. |\n| **S_WA-P11-C051** | The vehicle-deposit clause imposes trust handling until delivery, with specified evidence-of-intent rules and an alternative separate-trust arrangement. Manufactured-home delivery and loan/installment-payment qualifications are separate. | S005 .180(9), complete. Q030; manufactured-home incorporation held. No universal actual-liability inference. |\n| **S_WA-P11-C052** | For a transaction within the relevant UCC scope, an at-will/insecurity acceleration term permits acceleration only on a good-faith belief that payment/performance is impaired; the statute assigns the burden of proving lack of good faith to the opposing party. | S013 .1-102, .1-201(a), (b)(20), .1-309; S014 .2-102, .2-105(1), .2-106(5). No universal default notice or cure right established. |\n\n## E. Assignee, nonwaiver, and remedy boundaries\n\n| Claim ID | Precise assertion, conditions, and exceptions | Sources and exact pinpoints; confidence |\n| --- | --- | --- |\n| **S_WA-P11-C053** | A buyer’s contractual waiver of sale-related claims/defenses against seller or assignee is invalid. A clause submitting to suit outside the signing, residence, or principal-business county is also invalid under the section. | S001 .150, complete; .020 note proviso. This is not a complete venue or personal-jurisdiction rule. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150&utm_source=chatgpt.com) |\n| **S_WA-P11-C054** | A buyer’s act or agreement before or at making the contract, or at a purchase under a charge/card agreement, cannot waive chapter 63.14 or its remedies. | S001 .160, complete. No broader post-dispute waiver conclusion supplied. |\n| **S_WA-P11-C055** | On finding a contract/clause unconscionable when made, a court may refuse enforcement, enforce the remainder, or limit application; the parties must have a reasonable evidentiary opportunity. An expressly permitted charge/practice is not by itself unconscionable. | S001 .136; S017 §4, complete. No actual unconscionability finding. |\n| **S_WA-P11-C056** | Noncompliance/violation, except accidental or bona fide error, bars recovery of the listed service/official/delinquency/collection charges while preserving the stated cash-price and insurance-cost recovery. | S001 .180 first sentence, complete. This is not automatic erasure of every obligation. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180&utm_source=chatgpt.com) |\n| **S_WA-P11-C057** | Excess service charges, except accidental or bona fide error, invoke the statutory recovery relation: twice service charges paid, plus contracted unpaid service charges, plus costs and reasonable attorney fees. The resulting cash-price reduction reduces future principal installments pro rata. | S001 .180 proviso and final paragraph; S019 §10 history identified, current text relied on. Q034; no actual award or stacking conclusion. |\n| **S_WA-P11-C058** | The 1993 remedial provision bars the listed remedies where the conduct is not a violation as amended by that act, including specified defensive and appellate uses. | S001 .175, .922; S018 §§3–5. Full historical judicial construction held. |\n| **S_WA-P11-C059** | The excess-service-charge declaratory action has specified parties and a cutoff tied to the earlier of two six-month reference events. An unsuccessful buyer faces discretionary defense fees/costs only if the action was frivolously commenced. | S001 .152, complete. Its 1967-act reference and relationship to other claims remain held; Q033 is not a general limitation rule. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152&utm_source=chatgpt.com) |\n| **S_WA-P11-C060** | Section .170 states a willful-and-intentional misdemeanor and its own fine/imprisonment language; order violation is prima facie evidence. | S001 .170, complete. **General criminal classification/sentencing incorporation not completed**; Q035 reports section text, not an exhaustive current sentencing conclusion. |\n| **S_WA-P11-C061** | The AG/prosecutor may pursue the specified injunction. An AG written assurance requires court approval in the designated venue and prosecutor consent when the specified action is pending; breach has the stated prima-facie consequence. | S001 .190–.200, complete. Public authority is distinct from an individual recovery entitlement. |\n| **S_WA-P11-C062** | Violation of a qualifying injunction/order may produce a civil penalty up to $1,000, sought by the AG in the issuing court. | S001 .210, complete. No automatic private award. |\n| **S_WA-P11-C063** | RCW 46.70.190 permits its specified business/property-injury action in superior court for actual damages, injunction, costs, and reasonable attorney fees, subject to its one-year provision. | S005 .190, complete. Dealer/manufacturer federal-franchise overlap paragraphs were read but are outside this consumer-credit component. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com) |\n| **S_WA-P11-C064** | Chapter 46.70 has a CPA/public-interest linkage. Its civil-construction provision cannot be converted into a claim that every .180 violation is noncriminal: .180(5) contains an express odometer felony branch. | S005 .270, .310, .180(5). Full CPA and criminal regimes held. |\n\n## F. Ancillary GAP protection and currentness\n\n| Claim ID | Precise assertion, conditions, and exceptions | Sources and exact pinpoints; confidence |\n| --- | --- | --- |\n| **S_WA-P11-C065** | Chapter 48.160 excludes insurance policies and specified federal/state financial institutions and consumer-loan companies, while allowing the specified exempt institutions to elect compliant waivers. | S010 .001(1)–(3), complete. Federal institutional incorporations and actual exemption status held. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com) |\n| **S_WA-P11-C066** | A GAP waiver is the defined separately charged agreement to waive specified financed obligations upon covered total loss/theft, forming part of/addendum to the finance agreement. Its motor-vehicle definition is broader than ordinary automobiles and includes personal/commercial categories. The free-look period is at least thirty days from effectiveness. | S010 .010, complete. It is not a blanket insurance or retail-sale classification. |\n| **S_WA-P11-C067** | GAP may use single or periodic payments, but purchase cannot condition credit, credit terms, or related vehicle sale/lease terms. The separate-cost/non-finance-charge treatment is expressly conditioned on TILA compliance. | S010 .030(1)–(6), complete. Federal classification held. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com) |\n| **S_WA-P11-C068** | GAP requires clear written disclosures including price, coverage/limitations, benefit procedures, cancellation/refund method, conditional written-request timing, potential balance credit, optionality, and noninsurance status. | S010 .050(1)–(10), complete. Disclosure does not prove assent or benefit/refund entitlement. |\n| **S_WA-P11-C069** | The waiver remains part of the finance agreement after transfer. Assignment and changed benefit-contact information trigger separate thirty-day mailing duties; registration/exemption/authorization qualifications also apply. The rule requires U.S. mail, allowing electronic notice additionally. | S010 .030(5), (9); S012 -070; S042. No actual assignee authorization established. |\n| **S_WA-P11-C070** | Free-look cancellation yields a full refund if no benefits were provided; otherwise waiver terms govern full/partial refund. After free look, cancellability and unearned refund are conditional, and the statute specifies a written request within ninety days of finance-agreement termination. | S010 .060(1)–(2), complete. No universal automatic post-free-look refund. [app.leg.wa.gov](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com) |\n| **S_WA-P11-C071** | A refund due upon default/repossession may go to creditor/administrator; a financed waiver’s cancellation refund may reduce the overall financed obligation, with required prior disclosure. | S010 .060(3)–(5), .050(8). This does not guarantee cash payment to the buyer. |\n| **S_WA-P11-C072** | When a refund is due and payable to the borrower, the current obligor must pay it rather than redirecting the borrower to a prior obligor. Waiver records have the specified agreement-duration-plus-two-years retention period. | S012 -080, -090, complete; -020 definitions. Q019. |\n| **S_WA-P11-C073** | The currently displayed DOL unlawful-practices rule retains the 2015 permanent adoption. The 2025 proposed amendment identified in the filing history was withdrawn. | S011; S040; S041. Proposal text not relied on as law. |\n| **S_WA-P11-C074** | The OIC permanent GAP order was filed/effective January 6, 2010, although its rule applicability text names January 1, 2010. | S012 -010; S042 adoption order. Historical January 1–5 operation held; no present-day repeal inferred. |\n| **S_WA-P11-C075** | The 1967 and 1981 provisions contain distinct application/savings rules; current codification does not authorize applying every current clause to every older transaction. | S001 .903, .921; S019 §17; S002 .900. Original 1981 enactments not fully authenticated here. |\n| **S_WA-P11-C076** | The 1992 act replaced the former numerical service-charge structure; the 1995 act repealed the 1992 sunset and the rate-publication section, with application/savings provisions. | S016 §§1–5, veto material; S017 §§1–5. Historical rate tables are not current ceilings. |\n| **S_WA-P11-C077** | The motor-cancellation amendment became effective July 25, 2021; the documentary-fee increase to $200 became effective July 1, 2022. | S022 §§2–3 and certified header; S024 §211(2), §511. |\n| **S_WA-P11-C078** | Relevant 2025/2026 changes were separately checked: vehicle-dealer definition, GAP registration-fund provisions, and 2026 vehicle-licensing provisions. A separate speed-assistance dealer provision is future-effective January 1, 2029. | S031–S033, S038–S039; S005 .011, .170, .360; S010 .020. No future clause applied now or licensing permission inferred. |\n| **S_WA-P11-C079** | The narrow UCC acceleration and goods/hybrid findings are subject to the 2012 and 2023 application/savings texts. The 2023 amendments became effective January 1, 2024; specialized Article9/12 transition branches were not completed. | S034 §§123, 1803–1806; S035 §§201–202, 1101–1104, 1201–1204. |\n| **S_WA-P11-C080** | Currentness was checked against public codification and the dated 2025/2026 affected-sections reports. Negative report searches do not establish absence of later or uncodified change. | S043–S044; currentness log. This is an evidence limitation, not a legal no-change finding. |\n| **S_WA-P11-C081** | DOL’s rule independently requires the listed accompanying disclosures when specified payment/credit terms are advertised and restricts adding unauthorized items to an advertised price. Its APR disclosure language is not itself a rate ceiling. | S011 -152(4)(j)–(k), (5)–(6), complete; S040. Other advertising branches were read but not turned into a full advertising report. [app.leg.wa.gov](https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com) |\n\n# 4. Quantity, formula, event, and counting register\n\nThese are **source-stated legal relations**, not populated examples. Monetary quantities are statutory dollars. No financial input or calendar date has been substituted.\n\n**Symbols used only to express statutory relations:**\nSP = statutory sale price; DP = statutory downpayment; P = principal balance; SC = service charge; T = time balance; R = refund credit; B = the specified average account balance; PTB = statutory periodic time balance; A = amount being refinanced; I and O = qualifying additional insurance and official fees; Cj = original cash sale price of a consolidated purchase.\n\n| Quantity ID | Exact relation, unit, event, and boundary | Conditions, exceptions, counting/rounding limit | Claim/source links |\n| --- | --- | --- | --- |\n| Q001 | Service-charge branch: **one or more installments**. No-service-charge branch: **more than four**. | Strict >4; not ≥4. | C004; S001 .010(12). |\n| Q002 | Consumer lease: **>4 months**, generally obligation **≤$25,000**. | Dollar ceiling inapplicable to motor-vehicle consumer leases; complete exclusions apply. | C007; S003 .020(4). |\n| Q003 | Lease-purchase initial term **≤4 months**. | Renewable beyond initial term; no initial obligation beyond it; automobile exclusion. | C008; S004 .010–.020. |\n| Q004 | .040 sequence: SP − DP; then insurance, official fees, qualifying trade-in/terminated-lease discharge amount; statutory principal is the specified sum. | .010(7), (14) additionally identify vehicle-fee and sale-price categories. No duplication or actual allocation is performed. Federal “amount financed” equivalence is held. | C016; S001 .010(7), (14), .040(1)(a)–(g). |\n| Q005 | T = P + SC; .040(1)(i) requires the dollar time-balance sum when SC is stated in dollars. Statutory “rate” is the percentage applied to the outstanding balance for the month/installment period. | This is not a verified federal APR formula. The prescribed notice refers to a per-annum rate computed monthly. | C016, C025; S001 .010(8), (17), .040(1)(h)–(i), (2)(d). |\n| Q006 | Maximum number, installment amounts, and due dates are generally required. | Equal-payment/final-payment exception uses **“does not substantially exceed”**; no numerical threshold. First date may reference contract/delivery/installation. | C017; S001 .040(1)(j). |\n| Q007 | Contract text **≥8 point**; copy acknowledgment and prescribed buyer notices **≥10-point boldface**. | Exact placement and scope differ; completion instructions excluded from eight-point rule. | C014–C016, C020; S001 .020, .030, .040(2), .120(3). |\n| Q008 | Copy at signing; qualifying later-acceptance copy/memorandum mailed; remote-order memorandum before first installment, or before/with delivery when specified. Consolidation memorandum **before** first consolidated installment due. | Different triggers; no single universal delivery clock. | C015, C018–C019. |\n| Q009 | First requested account statement free; subsequent statements **≤$1 each**. | Written-request predicate; no section-stated day deadline. | C021; S001 .100. |\n| Q010 | Revolving/charge/card computed monthly SC **<$1 → $1 may be charged**. | Optional minimum in .130(2), not a general closed-end fee. | C027. |\n| Q011 | Specified account B < $100; delinquency charge ordinarily **≤0.10 × B**, with minimum **up to $2** allowed. | B is prior **30-day average**; minimum payment received within **10 days following due date**; subsection excludes payment **>30 days overdue**. No universal grace-period inference. | C029; S001 .090(3), S020. |\n| Q012 | Included insurance amount **≤ insurer-fixed premium**, except the text’s amount-**<$1** qualification. Procurement document/notice within **45 days after delivery/services**. | No statutory rounding convention or automatic $1 insurance minimum inferred. | C030; S001 .140. |\n| Q013 | Documentary fee **≤$200 per vehicle sale or lease**. | Optional, negotiable, disclosed before execution, separately designated; advertising qualification. No indexing provision relied on. | C031; S005 .180(2), S024. |\n| Q014 | EMS fee **$6.50**; dealer share **$2.50 of that fee**. | Specified title-application transactions and total-loss exception. No added-fee arithmetic or other title-fee calculation. | C032; S006–S007. |\n| Q015 | Control presumption at **≥10% voting securities**; complete disclaimer deemed granted unless disallowed within **30 days of receipt**. | Rebuttable control presumption; actual power and disclaimer/hearing qualifications retained. | C034; S009 .005(3), .025(11). |\n| Q016 | GAP free look **at least 30 days from effective date**. | Full refund within free look requires no benefits; otherwise terms govern. | C066, C070; S010 .010, .060(1). |\n| Q017 | GAP assignment notice within **30 days of assignment**; changed benefit-contact notice within **30 days of change**. | Mailing duty; rule specifies U.S. mail, electronic notice additionally. | C069; S010 .030(9), S012 -070. |\n| Q018 | Conditional GAP refund request within **90 days of event terminating finance agreement**. | Written request and applicable waiver terms; not a universal payment deadline. | C070; S010 .060(2). |\n| Q019 | GAP records retained for agreement duration **plus 2 years after termination**. | Termination categories include expiration, cancellation, and provision of waiver benefits under the rule. | C072; S012 -090. |\n| Q020 | Before provisos: R ≥ SC × [Σ PTB not yet due ÷ Σ all PTB]; earned charge E = SC − R. Minimum earned charge: **$15 if P≤$250; $25 if $250<P≤$500; $37.50 if $500<P≤$1,000; $50 if P>$1,000**. | If computed E is below the applicable minimum, statute deems the minimum earned. Refund **<$1** need not be made. PTB measured at last day of month/other uniform scheduled interval. Low-original-charge interaction and federal incorporation held; no zero floor, rounding, or negative-credit invention. | C036–C037; S001 .080; S019 §5. |\n| Q021 | Deferral base = installment(s) or portion deferred; interval no longer than original due date to agreed deferred due date. | Cap references obsolete rate subdivisions. Computed charge **<$1** permits a **$1** minimum, but this does not cure the unresolved rate incorporation. Additional continuation-insurance cost conditional. | C038; S001 .156. |\n| Q022 | Refinance charge base: A + I + O − prepayment-equivalent R; minimum-earned retention excluded in that R. | Written agreement; charge rate limited by .130; added insurance must satisfy .140; no amortization or amount computed. | C039; S001 .158. |\n| Q023 | Triggering installment **>2 × average preceding installments**. | Default on that installment; replacement installments not substantially greater without agreement; seasonal/irregular-income/employment exception. | C040; S001 .159. |\n| Q024 | Ordinary consolidation allocation ratios follow Cj ÷ ΣCj. Prior payments go to earlier purchases; new downpayment goes to new purchase. | Alternative allocates installment increase to new purchase and previous installment amount to prior balances; attached-goods/services exception. | C041; S001 .110(2). |\n| Q025 | Seller transmits card credit within **7 working days** of entitlement transaction; issuer credits within **3 working days following receipt**. Notice at least once/calendar year, intervals **6–18 months inclusive**. | Separate actors/triggers. “Working day” not further defined in the read section. | C042; S001 .167. |\n| Q026 | Qualifying cancellation notice posted **not later than midnight of third day following signing**, excluding **Sundays and holidays**. | Posting, not a universal receipt rule. Motor-vehicle exclusion; goods condition; telephone-definition hold. No actual holiday/calendar calculation. | C043, C045–C046; S001 .154. |\n| Q027 | Seller refunds deposits within **10 days after qualifying cancellation**; trade-in reduction limited to reasonable costs actually incurred preparing it for sale. | No additional cancellation liability under this section; general counting convention not supplied. | C044; S001 .154(2). |\n| Q028 | Bushing period **4 calendar days, exclusive of Saturday, Sunday, legal holiday**, and **before further negotiations**. | Conditional/future-acceptance signed agreement; communication effective upon execution/mailing/sending under enumerated methods. | C047–C049; S005 .180(4)(a), S025. |\n| Q029 | Excess additional mileage **≥500 miles** between initial trade-in valuation and delivery. | Separate title-brand, damage/defect, and discrepancy branches; no actual mileage or valuation. | C050; S005 .180(4)(b). |\n| Q030 | Deposit-handling evidence includes failure to deposit by **close of banking hours on day following receipt**. | Statutory trust-until-delivery duty, immediate handling provisions, and separate-trust alternative; not every failure automatically proves liability. | C051; S005 .180(9). |\n| Q031 | Dealer records **≥5 years**; paper generally **1 year** before electronic alternative; paper **older than 2 years** may be offsite if produced within **3 calendar days excluding Saturdays, Sundays, legal holidays** after director request. | Electronic-origin alternative; regulatory request, not consumer access. | C023; S005 .120; S027. |\n| Q032 | Vehicle financing/insurance/tax/other-charge itemization **before execution/consummation**. | Seller-signed written itemization; title-application exception has limited scope. | C022; S005 .130. |\n| Q033 | Declaratory-action cutoff: no later than the earlier of **6 months after final payment becomes due, acceleration or otherwise**, and **6 months after principal is fully paid**. | Specific .152 action only; no actual accrual/date/counting conclusion; historical incorporation held. | C059. |\n| Q034 | Excess-SC statutory recovery relation: 2 × SC paid + SC contracted but unpaid + costs + reasonable attorney fees. | Accidental/bona-fide-error exception; resulting cash-price reduction pro rata to future principal installments; no stacking/award assumed. | C057; S001 .180. |\n| Q035 | Section .170 text states fine **≤$1,000**, imprisonment **≤6 months**, or both. | Willful/intentional violation and conviction; general criminal classification/sentencing remains unread and held. | C060. |\n| Q036 | Civil order-violation penalty **≤$1,000**. | AG petition in issuing court; not a private automatic recovery. | C062; S001 .210. |\n| Q037 | Section 46.70.190 action **no later than 1 year following alleged violation**. | Specific statutory action; no extension, tolling, accrual construction, or filing date supplied. | C063. |\n| Q038 | GAP single-payment or monthly/periodic option; refund may be applied to financed balance. | No universal GAP price cap or universal refund formula established by the read consumer clauses. “Unknown cap” is not unlimited-charge permission. | C067, C070–C071. |\n| Q039 | “Prompt,” “reasonable,” “substantially,” and good faith retain their statutory qualitative character. | No invented fixed day count, percentage, or operational test. | C017, C020, C028, C040, C052, C055. |\n| Q040 | Advertising a specified downpayment, payment, repayment period, finance charge, or no-charge credit triggers the complete listed companion disclosures. | State-rule APR disclosure is not a rate cap; no APR calculation. Other advertising quantities were read but are outside the relied-on findings. | C081; S011 -152(5)–(6). |\n| Q041 | WAC 284-160 defines days as calendar days including weekends/holidays and recognizes retrievable written/electronic records. | Rule-chapter definitions are not automatically exported to every statutory clock or signature requirement. | C069–C074; S012 -020. |\n\n**General counting limitation:** Except for the express exclusions or definitions above, no universal inclusive/exclusive start-day, end-day, holiday-extension, rounding, or time-zone rule is asserted. Material enactment dates and prospective boundaries are registered separately below.\n\n# 5. Source and usage register\n\n## 5.1 Current codified chapter 63.14 — S_WA-P11-S001\n\n**Issuer:** Washington Legislature / Code Reviser.\n**Instrument:** Chapter 63.14 RCW, *Retail Installment Sales of Goods and Services*.\n**Status/access:** Public current codification read October 28, 2026. Each listed operative section was read in full, with displayed credits and notes; the chapter index was discovery only. **Section .123 was not read or relied upon** because its privacy subject is outside this component.\n\nThe table records the latest displayed credit and material earlier credits used for this pass; it does not claim that every historical amending act was independently read.\n\n| Exact section / use | Literal HTTPS URL | Displayed credit / reading qualification |\n| --- | --- | --- |\n| .010 definitions | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com) | 2010 c161 §1152; material prior 2009 c334 §11, 1993 sp.s. c5 §1, 1992 c134 §16, 1983 c158 §7, 1981 c77 §1. All 17 definitions and notes read. |\n| .020 document, note, signature | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020&utm_source=chatgpt.com) | 1967 c234 §1; 1963 c236 §2. Complete. |\n| .030 copy | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030&utm_source=chatgpt.com) | 2012 c117 §166; 1981 c77 §2; 1967 c234 §2; 1963 c236 §3. |\n| .040 contents/notices | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040&utm_source=chatgpt.com) | 2021 c201 §2; 2012 c117 §167; material 1999 c113 §2, 1981 c77 §3, 1967 c234 §3. Complete statutory blank notice read, not populated. |\n| .043 vehicle contracts/products | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043&utm_source=chatgpt.com) | 2020 c174 §2; 2006 c288 §1. |\n| .050 multipurchase documents | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050&utm_source=chatgpt.com) | 1963 c236 §5. |\n| .060 mail/telephone orders | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060&utm_source=chatgpt.com) | 2012 c117 §168; 1967 c234 §4; 1963 c236 §6. |\n| .070 blanks | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070&utm_source=chatgpt.com) | 1963 c236 §7. |\n| .080 prepayment | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080&utm_source=chatgpt.com) | 2012 c117 §169; 1967 c234 §5; 1963 c236 §8. |\n| .090 delinquency/collection | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090&utm_source=chatgpt.com) | 1993 c481 §1; 1984 c280 §2; 1963 c236 §9. All three subsections. |\n| .100 receipts/statements | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100&utm_source=chatgpt.com) | 1963 c236 §10. |\n| .110 consolidation | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com) | 2012 c117 §170; 1999 c113 §3; 1967 c234 §6; 1963 c236 §11. |\n| .120 revolving/card information | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120&utm_source=chatgpt.com) | 1984 c280 §3; material 1981 c77 §4, 1967 c234 §7. Complete notice and exceptions. |\n| .125 card security restriction | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125&utm_source=chatgpt.com) | 1984 c280 §4. |\n| .127 dog/cat collateral | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127&utm_source=chatgpt.com) | 2019 c340 §2. |\n| .130 service charges | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130&utm_source=chatgpt.com) | 2010 c161 §1153; material 2003 c368 §3, 1999 c113 §4, 1997 c331 §7, 1992 c193 §1. Historical credits/notes read. |\n| .136 unconscionability | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136&utm_source=chatgpt.com) | 1995 c249 §4; renumbering note read. |\n| .140 insurance | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140&utm_source=chatgpt.com) | 2012 c117 §171; 1984 c280 §6; 1963 c236 §14. |\n| .145 assignment | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145&utm_source=chatgpt.com) | 1993 sp.s. c5 §2. |\n| .150 claims/defenses/venue waiver | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150&utm_source=chatgpt.com) | 2012 c117 §172; 1984 c280 §7; 1967 c234 §9; 1963 c236 §15. |\n| .151 federal disclosure condition | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151&utm_source=chatgpt.com) | 1984 c280 §8; 1981 c77 §9. Federal body not read. |\n| .152 declaratory action | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152&utm_source=chatgpt.com) | 2012 c117 §173; 1967 c234 §11. |\n| .154 cancellation | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154&utm_source=chatgpt.com) | 2021 c201 §3; 2012 c117 §174; material 1989 c20 §18 and c14 §8; 1967 c234 §12. |\n| .156 deferral | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156&utm_source=chatgpt.com) | 1967 c234 §13; complete erroneous-reference note read. |\n| .158 refinancing | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158&utm_source=chatgpt.com) | 2012 c117 §175; 1967 c234 §14. |\n| .159 oversized installment | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159&utm_source=chatgpt.com) | 1967 c234 §15. |\n| .160 nonwaiver | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160&utm_source=chatgpt.com) | 1984 c280 §9; 1963 c236 §16. |\n| .165 financial-institution cards | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165&utm_source=chatgpt.com) | 1984 c280 §10; 1981 c77 §10. |\n| .167 card credits | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167&utm_source=chatgpt.com) | 1989 c11 §24; 1984 c280 §11. |\n| .170 criminal text | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170&utm_source=chatgpt.com) | 1963 c236 §17; general sentencing incorporation held. |\n| .175 1993 remedial application | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175&utm_source=chatgpt.com) | 1993 sp.s. c5 §3. |\n| .180 civil recovery | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180&utm_source=chatgpt.com) | 1984 c280 §12; 1967 c234 §10; 1963 c236 §18. |\n| .190 injunction | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190&utm_source=chatgpt.com) | 1963 c236 §19. |\n| .200 assurance | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200&utm_source=chatgpt.com) | 2012 c117 §176; 1963 c236 §20. |\n| .210 order penalty | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210&utm_source=chatgpt.com) | 1963 c236 §21. |\n| .220 dog/cat purchases | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220&utm_source=chatgpt.com) | 2023 c208 §5. |\n| .903 1981 application/saving | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903&utm_source=chatgpt.com) | 1981 c77 §13. Current clause read; original act not fully read. |\n| .910 short title | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910&utm_source=chatgpt.com) | 1963 c236 §24. |\n| .920 original effective date | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920&utm_source=chatgpt.com) | 1963 c236 §25. Read; no historical transaction application made. |\n| .921 1967 saving/effect | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921&utm_source=chatgpt.com) | 1967 c234 §17. |\n| .922 1993 application | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922&utm_source=chatgpt.com) | 1993 sp.s. c5 §4. |\n| .924 1995 application | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924&utm_source=chatgpt.com) | 1995 c249 §2. |\n| .925 1995 saving | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925&utm_source=chatgpt.com) | 1995 c249 §3. |\n| .926 1995 effective date | [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926&utm_source=chatgpt.com) | 1995 c249 §5. |\n\n## 5.2 Other current statutes and rules\n\nAll rows below were accessed **October 28, 2026**. “Current” means the official public codification displayed at access, subject to the separately stated currentness limits.\n\n| Source ID | Issuer / instrument and literal HTTPS URLs | Actual read extent, credit, status, and limitation |\n| --- | --- | --- |\n| **S_WA-P11-S002** | Legislature, RCW 19.52: [https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100](https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100&utm_source=chatgpt.com); [https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true](https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130](https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130&utm_source=chatgpt.com) | Complete .100; .120(1)–(8); .130(1)–(2); .900. Credits: 1981 c78 §3; 1981 c77 §§7–8; .900 1989 c8 §2/1981 c78 §10. Reliance on .130(1), not its unread federal incorporation in (2). Other chapter material is not a general usury report. |\n| **S_WA-P11-S003** | Legislature, Consumer Leases definition: [https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020](https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com) | Complete (1)–(6); reliance on (4)–(6). Latest 1998 c113 §1; prior 1995 c112 §1, 1992 c134 §15, 1983 c158 §2. Lease pricing/disclosure regime excluded. |\n| **S_WA-P11-S004** | Legislature, Lease-Purchase definitions/application: [https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010](https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020](https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com) | Complete definitions and application exclusions. 1992 c134 §§2–3. Remaining chapter not read. |\n| **S_WA-P11-S005** | Legislature, Vehicle Dealers: [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360](https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360&utm_source=chatgpt.com) | Complete listed sections. Material reliance: .011 definitions; .120 records; .130 itemization; .160 rule authority; .180(1), (2), (4), (9); .190; .270; .310. Latest credits respectively include 2025 c68 §1; 2016 sp.s. c16 §1; 2001 c272 §9; 1961 c12; 2026 c186 §6; 2022 c182 §211; 2010 c8 §9085; 1986 c241 §22; 1967 ex.s. c74 §25; 1986 c241 §23; 2025 c228 §10. .360 future 2029; .170 licensing expansion not a consumer remedy finding; .260 franchise application not generalized. |\n| **S_WA-P11-S006** | Legislature, EMS fee: [https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110](https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110&utm_source=chatgpt.com) | Complete (1)–(2); 2010 c161 §509. Exact fee and total-loss boundary only. |\n| **S_WA-P11-S007** | Legislature, EMS distribution: [https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440](https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440&utm_source=chatgpt.com) | Complete (1)–(2); 2010 c161 §820. Dealer share/fund allocation only. |\n| **S_WA-P11-S008** | Legislature, brand-owner practices: [https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196](https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196&utm_source=chatgpt.com) | Complete (1)–(4), including incentive/warranty-work exceptions. 2020 c174 §1. Reliance principally on incorporated definitions (4); no full franchise report. |\n| **S_WA-P11-S009** | Legislature, insurance-holding-company control: [https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005](https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025](https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025&utm_source=chatgpt.com) | Full .005 read; reliance on relevant person/affiliate/control definitions. Complete .025(11) and credits read, not all .025. Latest 2024 c42 §§1–2; .025 earlier 2015 c122 §5, 2000 c214 §1, 1993 c462 §6. Exact control incorporation only. |\n| **S_WA-P11-S010** | Legislature, GAP waivers: [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900](https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900&utm_source=chatgpt.com) | Complete listed sections. Most credits 2009 c334 §§1–4, 6–8, 13; .020 dual 2025 c399 §7/c243 §14 amendments and note read. Registration amounts are not consumer-price findings. .040 backing insurance and .080 enforcement not completed. |\n| **S_WA-P11-S011** | DOL, WAC 308-66-152: [https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152](https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com) | Complete (1)–(8) and credits. Reliance on credit advertising/price clauses and status; other advertising branches not separately investigated. Latest WSR 15-16-125, filed Aug. 5/effective Sept. 5, 2015; prior 04-16-090, 98-20-039, 91-03-019, 90-20-086 displayed. |\n| **S_WA-P11-S012** | OIC, WAC 284-160: [https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true](https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true&utm_source=chatgpt.com) | Complete -010, -020, -030, -050, -060, -070, -080, -090, -100. Consumer reliance principally definitions, assignment, refund, records. WSR 10-02-111; licensing procedures not market-access findings. |\n| **S_WA-P11-S013** | Legislature, UCC general provisions: [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309&utm_source=chatgpt.com) | Complete .101/.102/.309 and application notes; .201(a), introductory (b), and complete (b)(20), with credits. Not all .201 definitions relied on. Credits 2012 c214 §§101–102, 109, 123; .201 also 2023 c266 §101. |\n| **S_WA-P11-S014** | Legislature, UCC sales scope: [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106&utm_source=chatgpt.com) | Complete listed sections. Reliance on scope, ordinary movable goods, hybrid definition; not all cross-referenced definitions or Article2 remedies. Credits: 2023 c266 §§201–202; 2012 c214 §801; 1965 ex.s. c157 §2-105. Attached-property .2-107 held. |\n| **S_WA-P11-S015** | Legislature, OIC powers: [https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true](https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com) | Complete .060(1)–(7), especially (3)(a), read through full-chapter route; 2010 c27 §1. Rule authority only; not full agency process/remedies. |\n\n## 5.3 Enacted originals, adoption orders, and material version boundaries\n\n**Issuer:** Washington Legislature unless DOL/OIC is stated.\n**PDF notation:** “p.” is the printed page; “PDF” is the **zero-based PDF index**. These were parsed-text readings, not page-pixel inspections. Each row identifies selected reading bounds; it does not claim the entire document was read unless expressly stated.\n\n| Source ID | Title / literal HTTPS URL | Actual read bounds, status, and effective/application significance |\n| --- | --- | --- |\n| **S_WA-P11-S016** | 1992 c193: [https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1](https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1&utm_source=chatgpt.com) | Complete §§1–5 and veto explanation, pp.1–6/PDF1–6; certification PDF0. Immediate April 2, 1992; §3 vetoed. Historical rate-change/sunset text. |\n| **S_WA-P11-S017** | 1995 c249: [https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4](https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4&utm_source=chatgpt.com) | Complete §§1–5, pp.1–2/PDF1–2. May 5, 1995 immediate effect; repeals prior sunset/rate publication; prospective application and savings; unconscionability provision. |\n| **S_WA-P11-S018** | 1993 sp.s. c5: [https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2](https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2&utm_source=chatgpt.com) | Complete §§1–5, pp.1–5/PDF1–5. Immediate May 28, 1993; assignment/remedy application. |\n| **S_WA-P11-S019** | 1967 c234: [https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12](https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12&utm_source=chatgpt.com) | §5 pp.1135–1136/PDF5–6; §8 pp.1139–1140/PDF9–10; §§13–17 pp.1143–1146/PDF13–16. January 1, 1968 effective/saving clause. Old rates historical only; not the entire act. |\n| **S_WA-P11-S020** | 1993 c481: [https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1](https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1&utm_source=chatgpt.com) | Complete §1, pp.1–2/PDF1–2; certified effective date July 25, 1993. Confirms unusual .090(3) wording. |\n| **S_WA-P11-S021** | 2010 c161: [https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238](https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238&utm_source=chatgpt.com) | §509 p.151/PDF151; §820 p.213/PDF213; §1152 pp.344–347/PDF344–347; §1153 pp.347–348/PDF347–348; §1238 p.370/PDF370. Relevant provisions July 1, 2011; unrelated exception not imported. Not all 371 PDF pages. |\n| **S_WA-P11-S022** | 2021 c201: [https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3](https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3&utm_source=chatgpt.com) | Complete §§2–3, pp.3–6/PDF3–6; certified header July 25, 2021. Motor cancellation/notice changes. Other warranty matters not completed. |\n| **S_WA-P11-S023** | 2020 c174: [https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2](https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2&utm_source=chatgpt.com) | §1(2)–(4), §2, pp.2–3/PDF2–3; certified header June 11, 2020. Complete current §1 also read as S008. |\n| **S_WA-P11-S024** | 2022 c182: [https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211](https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211&utm_source=chatgpt.com) | Complete §211(2), pp.21–22/PDF21–22; §§502–511, pp.120–121/PDF120–121. §511 makes relevant $150→$200 change effective July 1, 2022. Remaining transportation act not read. |\n| **S_WA-P11-S025** | 2017 c41: [https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1](https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1&utm_source=chatgpt.com) | §1(4)(a)–(b), pp.3–5/PDF3–5; certified July 23, 2017. Bushing communications/conditions; complete current (4) read separately. |\n| **S_WA-P11-S026** | 2006 c289: [https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2](https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2&utm_source=chatgpt.com) | Complete §2, p.9/PDF9; certified June 7, 2006. Separate substantive-cause/procedural-action prospective application. Full §1 not claimed. |\n| **S_WA-P11-S027** | 2016 sp.s. c16: [https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1](https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1&utm_source=chatgpt.com) | Complete §1, pp.1–2/PDF1–2; §3 p.3/PDF3; certification records veto override and June 28, 2016 effect. Dealer records. |\n| **S_WA-P11-S028** | 2019 c340: [https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2](https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2&utm_source=chatgpt.com) | §2 p.1/PDF1; §§5–6 p.4/PDF4; certified July 28, 2019. Dog/cat collateral, ownership/refund, unsecured-loan qualification. Article9 amendments not a P10 foundation. |\n| **S_WA-P11-S029** | 2023 c208: [https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5](https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5&utm_source=chatgpt.com) | Complete §5 p.7/PDF7; certified July 23, 2023. Other animal-sale/loan provisions not completed. |\n| **S_WA-P11-S030** | 2009 c334: [https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1](https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1&utm_source=chatgpt.com) | Opening enactment material and §11 definition amendment reviewed; complete §§12–14 p.13/PDF13, including application to agreements on/after January 1, 2010. Complete current operative GAP clauses separately read in S010; no claim of a full original-act reading. |\n| **S_WA-P11-S031** | 2025 c68: [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1&utm_source=chatgpt.com) | §1(18)(c)–(j), (19)–(20), pp.4–5/PDF4–5; certified July 27, 2025. Manufactured-housing dealer-definition change; special regime held. |\n| **S_WA-P11-S032** | 2025 c243: [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14&utm_source=chatgpt.com) | Complete §§14–16, pp.16–17/PDF16–17; relevant §14 July 27, 2025; separate §6 date not imported. GAP registration-fund change, not consumer fee ceiling. |\n| **S_WA-P11-S033** | 2025 c399: [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7&utm_source=chatgpt.com) | Complete §7 pp.8–9/PDF8–9; §§18–20 pp.28–29/PDF28–29. §7 effective July 1, 2025; current dual-amendment note read. Not every repeal in act investigated. |\n| **S_WA-P11-S034** | 2012 c214: [https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803](https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803&utm_source=chatgpt.com) | §123 p.23/PDF23; §§1803–1806 pp.154–155/PDF154–155; relevant June 7, 2012 application/savings. Unrelated later-effective parts excluded. |\n| **S_WA-P11-S035** | 2023 c266: [https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201](https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201&utm_source=chatgpt.com) | Complete §§201–202 pp.8–10/PDF8–10; §§1101–1104 pp.130–131/PDF130–131; §§1201–1204 p.134/PDF134. January 1, 2024 effect. Specialized §§1105–1109 not read. |\n| **S_WA-P11-S036** | 1989 c20: [https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18](https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18&utm_source=chatgpt.com) | Complete §3 definitions/exclusions pp.129–132/PDF0–3; §§18–20 p.140/PDF11. January 1, 1990 effect. Historical incorporation, not current telemarketing coverage by assumption. |\n| **S_WA-P11-S037** | Legislature, current telephone definitions: [https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020](https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020&utm_source=chatgpt.com) | Complete (1)–(10) and credits: 2025 c58 §1004; 2023 c103 §4; 2003 c39 §12; 1989 c20 §3. Comparator only; incorporation into .154 held. |\n| **S_WA-P11-S038** | 2026 c186: [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6&utm_source=chatgpt.com) | Complete §6 p.19/PDF19; §9 p.20/PDF20; certified June 11, 2026, except §7 October 1, 2026. Current licensing/status dependency, not consumer permission. |\n| **S_WA-P11-S039** | 2025 c228: [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10&utm_source=chatgpt.com) | Complete §10 p.6/PDF6; §18 p.17/PDF17. Relevant dealer provision **future January 1, 2029**. |\n| **S_WA-P11-S040** | DOL permanent order WSR 15-16-125: [https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm](https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm?utm_source=chatgpt.com) | Full adoption order and amended WAC 308-66-152(1)–(8). Filed August 5, effective September 5, 2015. Operative adoption, not proposed text. |\n| **S_WA-P11-S041** | DOL withdrawal WSR 25-13-085: [https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm](https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm?utm_source=chatgpt.com) | Complete withdrawal notice; filed June 16, 2025, withdrawing WSR 25-04-119. Proposed body not read or relied on. |\n| **S_WA-P11-S042** | OIC permanent order WSR 10-02-111: [https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm](https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com) | Complete adoption and nine rules. Filed/effective January 6, 2010; rule applicability January 1 text separately preserved. |\n| **S_WA-P11-S043** | Legislature, 2025 RCW sections affected: [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf?utm_source=chatgpt.com) | Relevant searches and neighboring entries, principally printed pp.13–16/PDF12–15; report footer June 2, 2025. Not all 24 pages read; index evidence only. |\n| **S_WA-P11-S044** | Legislature, 2026 RCW sections affected: [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 searches and entries, including printed pp.8, 10/PDF7, 9; footer April 2, 2026. Not all 13 pages read; no later-change guarantee. |\n| **S_WA-P11-S045** | Legislature, 2010 technical/effective notes: [https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013](https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013&utm_source=chatgpt.com) | Complete displayed 2010 c161 intent/effective-date notes read; §1238 independently read in S021. The underlying abandoned-vehicle subject is not a finding here. |\n\n# 6. Conditional branches and exact remaining inquiries\n\nA branch is not an assumed transaction. “Missing predicate” identifies information or legal construction that would be necessary for a positive application; no such factual record is supplied or requested.\n\n| Branch ID | Supported conditional consequence | Missing predicate / adverse inference to avoid | Exact next generic authority inquiry |\n| --- | --- | --- | --- |\n| **B001** | Chapter 63.14 can apply when its goods/services, purpose, actor, payment, and territorial definitions all fit. | Mixed purpose, nonbusiness seller, or territorial nexus cannot be invented. | Complete statutory/judicial construction of .010’s purpose and “entered into or performed” language in a separately authorized construction pass. C001–C006. |\n| **B002** | Qualifying sales receive the stated chapter 19.52 exclusions. | Purchase-related use of loan proceeds alone does not prove a credit sale. | Generic sale-versus-loan construction of 19.52.100/.120 and 63.14.010; lender-law dependencies separately. C010. |\n| **B003** | Vehicle overlays apply to their defined actors/activities. | Dealer exclusions are activity-specific; title or institutional status is unestablished. | Complete incorporated generic title/equipment/licensing/housing definitions only if needed for the particular legal category; no records or rosters. |\n| **B004** | Lease-shaped ownership arrangements may be retail contracts; qualifying leases/rent-to-own use separate regimes. | The reciprocal exclusions and substantive ownership conditions cannot be resolved by a “lease” label. | Full chapters 63.10 and 63.19, relevant UCC lease/security classification, and their material enactment transitions. C006–C008. |\n| **B005** | Written, signed, complete agreement/copy requirements govern subject to stated exceptions. | A retrievable record is not automatically proof of valid electronic signature, delivery, or consent. | RCW 1.80 and applicable federal electronic-record/signature scope and consumer-consent provisions; no actual document examination. C013–C020. |\n| **B006** | Current service-charge limits refer to agreement and disclosure. | No agreement-based unlimited-charge or universal federal-preemption conclusion. | Full applicable federal creditor/preemption and TILA classification in a later federal pass; state unconscionability construction remains held. C025–C028, C055. |\n| **B007** | Particular additional fees may be permitted under their own conditions. | Exclusion from “service charge” is not authorization; sale-price categories do not prove a lawful charge or permit double counting. | Generic construction of .010/.040/.090/.130/.140 and each exact additional-charge statute. |\n| **B008** | The narrow .090(3) formula controls only its stated account and timing branch. | Do not apply it to every late installment, infer a ten-day grace period, or treat its absence as unlimited permission. | Construction of the unusual receipt/overdue language, retaining the verified 1993 original. C029. |\n| **B009** | Section .080 supplies state prepayment/refund relations. | Original charge below minimum-earned tier; termination/forfeiture; federal constraints; no invented negative credit or extra fee. | Generic construction of .080 with .130; complete applicable federal prepayment authority, including 15 U.S.C. §1615 and implementing provisions, before any combined conclusion. C036–C037. |\n| **B010** | Deferral requires agreement, acknowledgment, and a bounded amount/interval. | Obsolete .130 subdivisions prevent a verified exact present cap. | Formal legislative reconciliation or authorized judicial construction of .156, its reviser note, 1967 §13, and 1992/1995 changes. C038. |\n| **B011** | Refinancing expressly excludes minimum-earned retention from its prepayment-equivalent credit. | Obsolete .080(1)(d) citation and any competing interpretation remain unresolved. | Generic construction of .158’s cross-reference while preserving its complete substantive sentence. C039. |\n| **B012** | Qualifying off-premises cancellation has the statutory procedure and refund consequences. | Historical telephone-definition incorporation; no universal remote-sale or motor-vehicle cooling-off right. | Resolve incorporation of 1989 c20 §3 versus current 19.158.020; separately examine any federal cooling-off rule with complete scope/exclusions. C043–C046. |\n| **B013** | Oversized-installment default may trigger rescheduling. | Seasonal/irregular-payment exception and “substantially greater” remain predicates/standards. | Generic construction of .159; do not substitute an invented numerical cap. C040. |\n| **B014** | Bushing requires timely acceptance or rejection/tender under the stated branch. | This is a dealer obligation, not a general buyer cancellation option; no actual acceptance, misrepresentation, or communication established. | Complete construction of .180(4), relevant 2006 application, and communication boundary if separately authorized. C047–C050. |\n| **B015** | Consolidation has special allocations when retained security exists. | No security validity, collateral release, default, or repossession permission follows. | Exact Article9 interface and any relevant sale-law construction; no reuse of unreviewed P10 merits. C041. |\n| **B016** | Insecurity acceleration is bounded by UCC good faith where the UCC applies. | Scope, hybrid predominance, contractual trigger, impairment, and burden satisfaction are absent. | Full indispensable Article2/default/remedy provisions and applicable state consumer-credit rules; judicial construction separately held. C052. |\n| **B017** | Sale-related claims/defenses cannot be contractually waived as specified. | Defense preservation does not establish an affirmative recovery amount against every assignee. | Complete state assignee/remedy construction and separately scoped FTC Holder Rule inquiry. C011, C013, C053–C054. |\n| **B018** | Proven chapter violations may invoke specified charge forfeiture/recovery. | Error exception, charge classification, causation, party liability, award, offset, and remedy combination unestablished. | Full generic construction of .175/.180; CPA and other remedy stacking remain separate. C056–C058. |\n| **B019** | The identified statutory actions contain their own timing provisions. | No actual accrual, tolling, filing deadline, or transfer to other causes of action. | Exact action-specific construction of .152 and 46.70.190; P3 is not a premise. C059, C063. |\n| **B020** | Section .170 supplies criminal text. | Its stated figures cannot be presented as a complete modern sentencing result. | Complete RCW 9A.20 classification/penalty incorporation and any applicable savings provisions; criminal application otherwise excluded. C060. |\n| **B021** | GAP consumer clauses apply within chapter scope or the specified voluntary election. | Exempt institutional status and the scope of federal Part 37/NCUA provisions remain unverified. | Complete 48.160.001 incorporations, exact election effect, and relevant federal definitions/exclusions. C065. |\n| **B022** | GAP’s separate-cost treatment depends on federal conformity. | State wording is not an independent TILA finance-charge determination. | Complete relevant TILA/Regulation Z definitions, exclusions, disclosure and optional-product predicates. C067. |\n| **B023** | GAP refund, current-obligor payment, and balance-credit duties operate when their predicates are met. | Post-free-look refund is not automatically due; terms, benefit history, financing, request, and termination predicates absent. | Generic construction of .050/.060 and WAC -080; no private waiver or payment history sought. C068–C072. |\n| **B024** | State disclosure safe harbor depends on federal law in force at execution. | Federal currentness, creditor coverage, transaction exemptions, and execution-date law are unexamined. | TILA/Regulation Z scope and versions; FTC Holder/cooling-off, MLA/SCRA, bankruptcy, reporting and collection regimes separately. C024. |\n| **B025** | Current statutes and identified transitions support present text reporting. | Historical agreements cannot automatically receive current terms; no proof of no later uncodified amendment. | Event-specific generic enactment chain, unresolved original 1981/1984/other historical acts, and later official legislative checks. C075–C080. |\n| **B026** | Current DOL/OIC rules apply within their delegated subjects. | Withdrawn proposals are not operative; OIC January 1–5, 2010 historical interval unresolved. | Exact historical emergency/permanent rule sequence only if that interval is material; no present repeal inference. C073–C074. |\n| **B027** | Special regimes may alter ordinary-goods analysis. | Manufactured/mobile housing, agricultural/business transactions, regulated services, insurance, licensing, title, and special collateral are not completed. | Their exact generic statutes/rules and cross-references; no participant or property records. |\n| **B028** | Dealer deposit text has specific duties and evidentiary consequences. | No actual trust breach, delivery, consumer ownership, or manufactured-home rule established. | Complete RCW 46.70.135(5) incorporation and applicable generic deposit/remedy construction for the special branch. C051. |\n| **B029** | State statutory and administrative remedies are differentiated. | Public enforcement power does not itself supply every private cause, damages measure, or guaranteed relief. | Full chapter 19.86 elements/remedies, OIC hearing/sanction provisions, and general procedural relationships in separate passes. C061–C064. |\n| **B030** | This component preserves the listed state-law distinctions. | No local/tribal/interstate, disability/discrimination/privacy, federal-benefit, or bankruptcy conclusion is supplied. | Separate generic jurisdictional and special-regime authorities; full judicial construction remains open. |\n\n# 7. Wholly blank conceptual worksheet\n\nThe entry cells below are intentionally empty.\n\n| Analytical field | Entry |\n| --- | --- |\n| Governing public-law category |  |\n| Relevant statutory version |  |\n| Application/savings clause |  |\n| Goods/services category |  |\n| Purpose classification |  |\n| Actor definition |  |\n| Territorial predicate |  |\n| Sale/loan/lease/revolving classification |  |\n| Applicable exclusion |  |\n| Agreement-content requirement |  |\n| Signature/record requirement |  |\n| Copy/delivery requirement |  |\n| Statutory amount categories |  |\n| Service-charge authority |  |\n| Separate-charge authority |  |\n| Insurance/ancillary-product authority |  |\n| Payment/prepayment provision |  |\n| Deferral/refinancing incorporation |  |\n| Default/acceleration predicate |  |\n| Cancellation provision |  |\n| Assignee/holder provision |  |\n| Nonwaiver provision |  |\n| Remedy and error qualification |  |\n| Source-stated trigger and unit |  |\n| Counting-rule authority |  |\n| Federal dependency |  |\n| Historical-version dependency |  |\n| Unresolved construction |  |\n| Exact next generic authority |  |\n\n# 8. Granular component coverage and retained gaps\n\n“Answered” below means the bounded public-text question is answered, not that an actual transaction satisfies it.\n\n| Scope item | Status | Source / claim / branch links | Exact remaining evidence or retained boundary |\n| --- | --- | --- | --- |\n| **1 — Governing ordinary-goods framework** | Answered—text | S001; C001–C006 | Actual classification excluded. |\n| **1 — Motor-vehicle overlay** | Answered—text | S005, S021–S025; C022–C035, C045–C051 | Full dealer licensing, title, and actual actor status excluded. |\n| **1 — Purpose, actor, amount, territorial scope** | Answered with construction holds | C001–C004; B001–B003 | Mixed purpose and territorial construction remain open. |\n| **1 — Security versus sale/loan** | Answered—boundary | C005, C010–C011; B002, B015 | Attachment, perfection, priority, enforcement capacity excluded. |\n| **1 — Lease/consumer lease/rental-purchase** | Answered—classification gateways | S003–S004; C006–C008 | Full regimes and reciprocal-exclusion construction open. |\n| **1 — Revolving/card/institution distinctions** | Answered—state text | C009, C020, C027, C029, C042 | Federal/institutional scope held. |\n| **1 — Material enactment/application** | Partial, identified | S016–S039; C075–C080 | Not every historical act independently read. |\n| **2 — Writing/signature/completion** | Answered—text | C013–C014 | Electronic-record/signature equivalence held, B005. |\n| **2 — Copy/delivery/remote exceptions** | Answered—text | C015, C018–C020 | Actual receipt or conformity not examined. |\n| **2 — Legal amount categories** | Answered—text/formulas | C016–C017; Q004–Q006 | No federal amount-financed/APR equivalence. |\n| **2 — Vehicle itemization/retention** | Answered—text | C022–C023; Q031–Q032 | No consumer record-access entitlement inferred. |\n| **2 — Prohibited terms/holder notice/nonwaiver** | Answered—text | C013, C053–C054 | Full assignee affirmative recovery and electronic delivery held. |\n| **2 — Federal disclosure incorporation** | Partial | C024; B024 | Complete TILA/Regulation Z inquiry required. |\n| **3 — Current service-charge structure/history** | Answered—state text | C025–C027, C076 | General federal/preemption/construction boundaries retained. |\n| **3 — Delinquency/default/collection fees** | Answered—conditional | C028–C029; Q011 | No universal closed-end numerical late-fee cap established. |\n| **3 — Deferral charges** | Partial—exact cap held | C038; Q021; B010 | Obsolete incorporated subdivisions. |\n| **3 — Insurance** | Answered—retail clause only | C030 | Full insurance rating, cancellation, refund, and anti-discrimination regimes open. |\n| **3 — Vehicle documentary/administrative fees** | Answered—exact statutes | C031–C032 | Other title/registration fees excluded. |\n| **3 — Ancillary products/GAP** | Answered with exclusions | C033–C035, C065–C072 | Institutional, federal, licensing/backing-insurance branches held. |\n| **3 — APR/rounding/discretion** | Bounded | Q005, Q012, Q039–Q040 | No APR calculation or unstated rounding convention. |\n| **4 — Payment statements/card credits** | Answered—text | C021, C042 | No universal goods-return right. |\n| **4 — Full prepayment/rebate** | Partial—state relation verified | C036–C037; Q020 | Low-original-charge interaction and federal constraints held. |\n| **4 — Deferral/refinancing** | Partial | C038–C039; B010–B011 | Exact obsolete-reference reconciliation remains. |\n| **4 — Oversized installment/consolidation** | Answered—conditional | C040–C041 | Qualitative standards/security validity held. |\n| **4 — Cancellation** | Answered with telephone hold | C043–C046 | No universal motor cancellation; other state/federal grounds not completed. |\n| **4 — Conditional vehicle acceptance** | Answered—text | C047–C051 | No actual acceptance, tender, misrepresentation, or return determination. |\n| **4 — Default/acceleration/cure** | Partial—narrow UCC rule | C052; B016 | No universal notice/cure regime; Article9 and full Article2 remedies separate. |\n| **5 — Assignment/claims/defenses** | Answered—text | C011, C013, C053 | Affirmative recovery/holder-rule construction open. |\n| **5 — Nonwaiver/unconscionability** | Answered—text | C054–C055 | No actual invalidity or judicial finding. |\n| **5 — Error/charge forfeiture/recovery** | Answered—conditional formula | C056–C058; Q034 | Liability, offset, stacking, award and causation held. |\n| **5 — Action-specific timing** | Answered—text only | C059, C063; Q033, Q037 | No P3 rerun, actual deadline, or tolling analysis. |\n| **5 — Public enforcement/penalties** | Answered with sentencing hold | C060–C064 | General criminal sentencing, full CPA and agency hearing process open. |\n| **6 — True leases/rental-purchase/housing/business/agriculture** | Gateways only; full regimes excluded | B004, B027 | Separate complete generic inquiries required. |\n| **6 — Licensing/title/Article9** | Excluded except exact interfaces | B003, B015 | No permission, repossession, perfection, priority, or title outcome. |\n| **6 — Federal regimes** | Held | B021–B024 | TILA/Z, FTC Holder/cooling-off, MLA, SCRA, bankruptcy, reporting, collection, preemption. |\n| **6 — Insurance/disability/privacy/local/tribal/interstate** | Excluded/held | B027–B030 | Separate scope, definitions, exceptions, and remedies required. |\n| **6 — Judicial construction** | Deliberately uninvestigated | All held branches | No cases/opinions/dockets searched. |\n| **7 — Current operative bodies/read bounds** | Answered for listed sources | S001–S015, S037, S045 | Unlisted clauses are not represented as read. |\n| **7 — Material original amendments/effect/application** | Substantially authenticated, bounded | S016–S042 | Specific older-act and transition gaps preserved. |\n| **7 — 2023/2025/2026 and prospective changes** | Checked with limits | C078–C080; S031–S044 | Report cutoffs do not prove no later uncodified change. |\n| **7 — Failed routes/alternative access** | Documented below | Failure log | Recovery closes only the exact section/order access gap. |\n| **Registry dimension 6 overall** | **Open** | This component only | Other secured/sector components, federal interfaces, and construction remain separate. |\n| **Earlier P1/P2 findings and all other passes** | **Unchanged; not substantive premises** | Supplied scope context only | No repair, acceptance, or closure implied. |\n\n# 9. Complete read, search, discovery, and failure log\n\n## 9.1 Reading log by purpose\n\n| Read group | Actual work completed | Evidence boundary |\n| --- | --- | --- |\n| Governing framework | Individually opened and read every S001 section listed in §5.1, including complete relied-on exceptions, notes, and credits. | Chapter index was not substituted for bodies; .123 excluded. |\n| Cross-regime classification | Read S002–S004 sale/usury, consumer-lease, and lease-purchase provisions. | Other loans/leases/rental-purchase obligations not completed. |\n| Vehicle overlay | Read complete listed S005 sections, fees S006–S007, and secondary-product/control incorporations S008–S009. | Licensing, title records, actual providers, and private policies not investigated. |\n| Ancillary GAP | Read complete listed S010 provisions, current WAC chapter S012, OIC rule authority S015, and permanent order S042. | No actual waiver, insurer, assignee, registration, or eligibility examined. |\n| Default boundary | Read selected complete UCC scope/definition/acceleration clauses in S013–S014 and material transition originals S034–S035. | Full Article2/Article9, attached-property incorporation, and judicial construction held. |\n| Charge history | Read S016–S020, selected S021, and current application/savings clauses. | Historical rates were not applied as current law. |\n| Motor amendments | Read material original clauses in S022–S029 and S031, with effective/application texts identified in the register. | Other portions of those enactments were not represented as completed. |\n| 2025/2026 changes | Read S032–S033, S038–S039, relevant affected-section entries S043–S044, and present codification. | Negative index searches are limited evidence. |\n| Rule status | Read current DOL rule, its permanent adoption, filing history, and actual withdrawal notice S040–S041. | Proposed 2025 body not read or applied. |\n| Telephone incorporation | Read original 1989 §3 definitions/exclusions and amendment/effective clauses; read complete current 19.158.020. | Incorporation issue remains held. |\n| Final verification | Reopened complete .080, .090, .180, .158, .010, .040, .130, .154, .120, .165, .156, .043, .140, .152, .110, .020, .150, .167; relevant vehicle/GAP/lease/usury clauses; complete DOL rule continuations. | These are verification reads of the same instruments, not independent corroboration. |\n\n## 9.2 Search log\n\nAll searches concerned generic public legal texts. No named person, provider, dealer, case, docket, vehicle, account, or transaction was queried.\n\n| Search group | Queries used |\n| --- | --- |\n| Governing statutes | site:app.leg.wa.gov/rcw \"63.14\" \"retail installment\"; site:app.leg.wa.gov/rcw \"motor vehicle\" \"retail installment contract\"; site:app.leg.wa.gov/rcw \"motor vehicle\" \"installment sales\" |\n| Usury and default interfaces | site:app.leg.wa.gov/rcw \"19.52\" \"63.14\" \"shall not\"; site:app.leg.wa.gov/RCW \"63.14\" \"default\" \"cure\" |\n| Administrative rules | site:app.leg.wa.gov/wac \"retail installment\" \"vehicle\"; site:app.leg.wa.gov/wac \"dealer\" \"financing\" \"agreement\"; site:app.leg.wa.gov \"63.14\" \"WAC\" |\n| Rule adoption/status | site:lawfilesext.leg.wa.gov \"15-16-125\" \"308-66-152\"; site:lawfilesext.leg.wa.gov/law/wsr/2010 \"10-02-111\" |\n| GAP | site:app.leg.wa.gov/wac \"guaranteed asset protection\" waiver |\n| Recent amendments | site:leg.wa.gov \"2026\" \"63.14\" amendments; site:leg.wa.gov \"2026\" \"RCW\" \"Sections Affected\"; site:app.leg.wa.gov/rcw \"63.14\" \"2025\" \"2026\" |\n| Specific discovered amendments | site:app.leg.wa.gov/rcw \"2025 c 228\" \"46.70\"; site:lawfilesext.leg.wa.gov \"2026\" \"Chapter 186\" \"motor\" |\n| In-document searches | Relevant current sections and statutory credits; affected-section reports searched for 63.14, 19.52, 46.70, 48.160, 46.96, and where relevant 48.31B; neighboring entries and report dates then read. |\n\n## 9.3 Discovery-only and read-but-not-relied-on material\n\n| Material / route | Treatment |\n| --- | --- |\n| Chapter index: [https://app.leg.wa.gov/RCW/default.aspx?cite=63.14](https://app.leg.wa.gov/RCW/default.aspx?cite=63.14&utm_source=chatgpt.com) | Navigation only; not evidence of operative wording. |\n| Affected-section index: [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) | Navigation to official 2025/2026 reports. |\n| DOL filing index: [https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152](https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152&utm_source=chatgpt.com) | Filing entries read for discovery/status; actual adoption and withdrawal separately opened. |\n| Historical Title 63 PDF: [https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf](https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf?utm_source=chatgpt.com) | Search discovery only; not opened or used as current law. |\n| Other combined-code/archive search hits | Not relied on; no operative conclusion based on snippets or titles. |\n| WAC 308-66-165: [https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165](https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165&utm_source=chatgpt.com) | Body read; concerns renewal/reporting counts, not the requested retail-credit consumer terms. Excluded from findings. |\n| RCW 62A.11-102: [https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102](https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102&utm_source=chatgpt.com) | Body read; older transition provision, not the 2023 transition sought. Actual 2023 session-law clauses were subsequently read instead. |\n| WSR 25-04-119 proposal | Identified through filing/withdrawal material; proposal body not read, not current law. |\n| Incidental neighboring statutory text | Not converted into coverage of taxes, mobile-home financing, securities, full licensing, or other sectors. |\n\n## 9.4 Failed routes and materially different ordinary recoveries\n\n| Failure ID | Fresh failed route | Different ordinary official route and result | Remaining limitation |\n| --- | --- | --- | --- |\n| **F001** | [https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120](https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120) did not return a readable body. | [https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true](https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com) supplied complete .120(1)–(8), credits, and notes. | Exact section access gap resolved; no general website-failure inference. |\n| **F002** | [https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070](https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070) did not return a readable filing index. | Ordinary official search located [https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm](https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com); complete adoption/order text read. | Filing-index route remains unread; current rule and identified adoption were authenticated separately. |\n| **F003** | [https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060](https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060) did not return a readable section body. | [https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true](https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com) supplied complete .060(1)–(7). | Exact operative-section gap resolved only. |\n| **F004 — presentation, not site failure** | Some long results initially stopped before the end of the relevant body. | Targeted continuations exposed the missing relied-on paragraphs. | Output truncation was not described as statutory absence or public-site inaccessibility. |\n\nNo identical failed-route hammering, login, CAPTCHA workaround, hidden endpoint, access-control bypass, or contact was used.\n\n# 10. Researcher self-check — not independent review\n\n- **Fresh authority:** The substantive findings use the newly read sources registered above. Supplied P1/P2 exclusions and overlap metadata are not legal evidence for this pass.\n- **Actual reading:** Complete relied-on current subsections and material exceptions were read. Selected session-law readings are expressly bounded; lengthy transportation, UCC, housing, and other enactments are not represented as fully read.\n- **Source hierarchy:** Current operative statutes and adopted rules support legal propositions. Indexes support discovery/currentness checks only. Search snippets, titles, and unopened historical reproductions do not support positive findings.\n- **Version control:** Historical rates, the repealed sunset, current amendments, the withdrawn proposal, and the future 2029 provision remain distinct. No webpage copyright/update marker was treated as a clause’s effective date.\n- **Quantities:** All quantities relied on in the findings are preserved with their source bases, triggers, strict/inclusive boundaries, and conditions. No financial example, calendar result, APR, amortization, or damages calculation was performed.\n- **Material holds:** The deferral-rate incorporation, low-original-charge prepayment interaction, historical telephone-definition incorporation, old refinancing paragraph reference, historical application gaps, general criminal sentencing, and unexamined federal requirements remain explicit.\n- **Federal boundary:** No substantive federal compliance, preemption, holder-rule, bankruptcy, military, reporting, or debt-collection conclusion is supplied merely because a Washington statute references it.\n- **PDF integrity:** PDF citations identify printed pages and zero-based indices. Parsed text was read; page pixels were not inspected. Multiple formats of an instrument are not independent corroboration.\n- **Actual-application boundary:** No actual or invented identifying buyer, seller, dealer, contract, vehicle, account, payment, notice, record, case, or transaction was examined or constructed. The worksheet remains wholly blank.\n- **Scope preservation:** Earlier Washington findings and holds remain unchanged. Full licensing, Article9 enforcement/perfection/priority, other sectors, federal regimes, local/tribal/interstate questions, and full judicial construction remain open.\n\nThis pass establishes the bounded public-text findings and exact remaining dependencies above. It does **not** constitute Washington, registry dimension 6, A066, parent, operational, or publication acceptance.\n\nEND S_WA PASS-11.\n\n","tables":[{"headers":["Category or authority","Source-stated distinction","Consequence and retained boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Category or authority","Source-stated distinction","Consequence and retained boundary"],["Covered retail installment transaction","Service charge plus payment of unpaid principal in one or more installments; alternatively, no service charge and payment in more than four installments.","Chapter 63.14 classification depends on its complete definitions, not the transaction’s label. C001–C006."],["Ordinary goods versus business goods","Chapter 63.14 goods and services definitions use primarily personal, family, or household purposes and exclude commercial/business use.","Business, agricultural, mixed-purpose, and noncovered transactions require their own analysis. C001–C003; B001."],["Closed-end contract versus revolving agreement","A retail installment contract excludes retail charge and lender-card agreements; those arrangements have separate disclosure and charge provisions.","A revolving-account minimum charge or delinquency formula cannot automatically be transferred to a closed-end vehicle contract. C005, C020, C027–C029."],["Credit sale versus loan","RCW 19.52.100 excludes qualifying chapter 63.14 transactions from the usury chapter; .120 separately addresses deferred-payment sales despite specified financing participation.","These are statutory exclusions for qualifying transactions, not a general exclusion for every loan used to buy goods. C010; B002."],["Lease-shaped sale versus consumer lease","Chapter 63.14 includes certain ownership-oriented bailments/leases but expressly excludes specified consumer leases and lease-purchase agreements.","Ownership terms, duration, purpose, and cross-referenced exclusions must be resolved; residual-value language alone does not settle classification. C006–C008."],["Motor-vehicle credit sale","Chapter 63.14 applies its express vehicle clauses alongside relevant chapter 46.70 requirements.","Vehicle-specific itemization, documentary-fee, conditional-acceptance, and cancellation provisions supplement the generic framework. C022–C023, C031–C035, C045–C051."],["Financial-institution card","RCW 63.14.165 excludes the defined card arrangement from most of chapter 63.14, while retaining .167 and referring to chapter 19.52.","This is not a blanket exemption for every assigned retail contract held by a financial institution. C009–C011."],["GAP waiver","Chapter 48.160 has its own definitions, exclusions, disclosures, assignment, and conditional refund rules.","Inclusion of GAP cost in statutory sale-price categories does not eliminate the separate framework or establish federal finance-charge treatment. C065–C072."],["Enacted statute","RCW text supplies current codification; session laws establish material amendments, effective dates, and savings/application clauses.","A latest-credit date is not the effective date of every clause. S001–S039."],["Adopted administrative rule","DOL and OIC rules supply the specifically identified requirements within their statutory authority.","A proposed or withdrawn rule is not an operative amendment. C073–C074, C081."],["Judicial construction","No cases, opinions, dockets, or party records were investigated.","Ambiguous incorporation, standards such as reasonableness, and actual application remain held. Branch register."]]},{"headers":["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],"index":1,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}]],"rows":[["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],["S_WA-P11-C001","Chapter 63.14 covers defined goods and services purchased primarily for personal, family, or household use. Goods exclude money and generally things in action, but include the specified seller certificates/coupons and goods becoming fixtures. Services exclude the specified legally regulated-price services.","S001 .010(2), (16); S021 §1152. Text verified. \napp.leg.wa.gov"],["S_WA-P11-C002","“Person” includes individuals and organized entities; buyer and seller are separately defined, and the seller must be engaged in the business of selling goods or services to retail buyers. The read retail definitions are not restricted to natural-person buyers.","S001 .010(6), (9), (13). Text verified; purpose remains indispensable."],["S_WA-P11-C003","The contract, retail-charge, and lender-card definitions use “entered into or performed” in Washington. The lender-card definition separately requires a cardholder residing in Washington. No general sale-price ceiling appears in these retail-transaction definitions.","S001 .010(3)–(4), (10)–(12). Text verified; no complete territorial or conflicts conclusion."],["S_WA-P11-C004","A retail installment transaction requires either a service charge with unpaid principal payable in one or more installments, or no service charge with unpaid balance payable in more than four installments.","S001 .010(12); S018 §1. Text verified. \napp.leg.wa.gov"],["S_WA-P11-C005","A retail installment contract is distinct from a retail-charge or lender-card agreement. It may include a conditional sale or chattel mortgage; classification does not establish valid security, attachment, perfection, priority, or default.","S001 .010(10)–(11); S021 §1152. Text verified; security issues excluded."],["S_WA-P11-C006","A bailment/lease may fall within the contract definition when compensation is substantially equivalent to or exceeds goods value and ownership is mandatory or available for no or nominal additional consideration. The statute expressly excludes consumer leases, specified otherwise-consumer leases, and chapter 63.19 lease-purchase agreements.","S001 .010(11), complete; S003; S004. Text verified; classification interaction held where ambiguous."],["S_WA-P11-C007","The consumer-lease definition generally requires a natural person, personal/family/household purpose, duration exceeding four months, and obligation not exceeding $25,000; the dollar ceiling does not apply to motor-vehicle consumer leases. Agricultural/business/commercial, governmental, organizational, retail-installment, and lease-purchase exclusions remain material.","S003 .020(4)–(6), complete. Residual-value liability alone does not defeat consumer-lease status. \napp.leg.wa.gov"],["S_WA-P11-C008","Chapter 63.19’s lease-purchase definition uses an initial term of four months or less, renewable payments, no obligation beyond the initial term, and an ownership option. Its separation from retail-sale/security/usury law is conditioned on compliance with that chapter. Automobile leases are expressly excluded, as are the other categories in .020(2).","S004 .010 and .020, complete. Full rental-purchase obligations excluded. \napp.leg.wa.gov"],["S_WA-P11-C009","Defined financial-institution cards are outside chapter 63.14 except .167; the statute refers them to chapter 19.52. A qualifying lender-card agreement under .125 may not provide a security interest in goods or real property.","S001 .010(1), (3)–(4), .125, .165–.167. Text verified; federal/institutional overlay held. \napp.leg.wa.gov"],["S_WA-P11-C010","RCW 19.52.100 excludes qualifying chapter 63.14 transactions whether or not construed as loans or forbearances. Section .120 separately excludes deferred-payment goods/services sales despite the eight listed financing-related events, including assignment arrangements, supplied forms/rate information, credit evaluation, negotiation assistance, transfers, and affiliated services.","S002 .100; .120(1)–(8), complete. This does not classify an independent loan as a sale. \napp.leg.wa.gov"],["S_WA-P11-C011","Assignment does not change a qualifying transaction’s retail-installment character. Charges by an assignee to the seller-assignor are not limited by the identified retail/usury provisions; that is not authority for an additional buyer charge. The two provisions’ retained-duty wording differs and is not silently harmonized here.","S001 .145; S002 .130(1), complete. Text verified; .130(2)’s federal cash-discount incorporation held."],["S_WA-P11-C012","Special dog/cat provisions depart from ordinary recovery rules: .127 addresses live-dog/cat collateral contracts; .220 makes purchase installment transactions entered on or after July 23, 2023 void and bars collecting principal, interest, or charges. The 2019 act also contains specific ownership/refund and unsecured-loan qualifications.","S001 .127, .220; S028 §§2, 5–6; S029 §5. These exceptions are not generalized to other goods. \napp.leg.wa.gov\n+1"]]},{"headers":["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],"index":2,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[],[]],"rows":[["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],["S_WA-P11-C013","A retail installment contract ordinarily must be one document containing the entire agreement and debt evidence, subject to .050, .060, and .110. A separate mortgage-secured note is permitted with reciprocal references, but assignment/negotiation must not cut off seller-related buyer claims or defenses, and the instrument must say so.","S001 .020, first paragraph, complete. Separate improvement-mortgage permission and FHA improvement exclusion are boundaries, not mortgage findings. \napp.leg.wa.gov"],["S_WA-P11-C014","The contract must be dated, buyer-signed, and complete as to essential provisions, subject to .060–.070. Printed/typed provisions, excluding completion instructions, require at least eight-point type. Essential blanks generally cannot remain at signature; .070 permits specified later-delivery information.","S001 .020 final paragraph; .070, complete. Electronic-signature equivalence held."],["S_WA-P11-C015","The seller generally must deliver a copy at signing, subject to .060. Later acceptance requires mailing an accepted copy or memorandum. Until the seller complies, the buyer is obligated only for the sale price. A receipt acknowledgment must meet the specified ten-point boldface placement requirement.","S001 .030, complete. Text verified; this is not a general declaration that the transaction is void."],["S_WA-P11-C016","The agreement must state the parties, relevant addresses, goods/services identification, and the ordered amount categories in .040(1)(a)–(j). The prescribed buyer notice requires at least ten-point boldface immediately above the signature space, with the subsection-specific cancellation qualification.","S001 .040(1)–(2), complete; S022 §2. Q004–Q008 preserve the amount and typography distinctions. \napp.leg.wa.gov"],["S_WA-P11-C017","The payment-schedule disclosure has an exception for equal scheduled installments where the final installment does not substantially exceed preceding installments. The first due date may be expressed by date or by reference to contract, delivery, or installation events.","S001 .040(1)(j), complete. “Substantially” is not assigned a numerical value."],["S_WA-P11-C018","The mail/telephone order exception depends on catalog/printed-solicitation conditions and absence of in-person solicitation. Required information must be supplied before the first installment is due; when the catalog omitted the required terms, the memorandum must precede or accompany delivery/services.","S001 .060, complete. It is not a blanket remote-sale exemption."],["S_WA-P11-C019","A qualifying multipurchase arrangement may use supplemental slips/books/statements. Subsequent-purchase consolidation may use the statutory memorandum instead of repeating .020–.040, but must contain the required old/new/consolidated information and be delivered before the first consolidated installment is due.","S001 .050; .110(1), complete. \napp.leg.wa.gov"],["S_WA-P11-C020","Retail-charge/lender-card rate, balance, and full-payment information must be supplied at or before agreement; oral initial disclosure requires a memorandum upon credit approval. A statement is due promptly after each agreed monthly/regular period with an unpaid balance. Retail-charge agreements also require the statutory notice.","S001 .120(1)–(3), complete. Its older notice text does not resolve the later motor-vehicle exclusion. \napp.leg.wa.gov"],["S_WA-P11-C021","Cash payment requires a written receipt. On written request, the holder must state payment dates/amounts and unpaid total; the first statement is free and later statements may cost no more than $1 each.","S001 .100, complete. No response-day deadline was supplied by this section."],["S_WA-P11-C022","For the covered vehicle sale, the seller must give a signed written itemization of financing, insurance, taxes, and other charges before execution/consummation. The title-application exception does not dispense with other required transaction documents.","S005 .130(1)–(2), complete. No title application or transaction document examined."],["S_WA-P11-C023","Dealer records must generally be retained at least five years. Paper/electronic and offsite-storage alternatives have separate conditions, including the director-request production period. These are regulatory record duties, not a general consumer inspection entitlement.","S005 .120, complete; S027 §1. Q031 gives exact periods."],["S_WA-P11-C024","Chapter 63.14’s disclosure requirements are deemed satisfied when the transaction complies with TILA and implementing regulations as in force at execution. This is a conditional state disclosure provision, not verified federal compliance or a waiver of every substantive state rule.","S001 .151, complete. Federal incorporation held."]]},{"headers":["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],"index":3,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[]],"rows":[["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],["S_WA-P11-C025","The current closed-end service charge may not exceed the dollar amount or rate agreed to and disclosed. Revolving/charge/lender-card service charges may not exceed the agreed disclosed schedule or rate.","S001 .130(1)–(2); S016 §1; S017 §§1–5. No separate current numerical rate ceiling is supplied by this clause. \napp.leg.wa.gov"],["S_WA-P11-C026","The service charge includes charges incident to investigating/making the contract or charge agreement and the installment-payment privilege. The opening paragraph bars additional charges for those matters except the specifically referenced vehicle administrative and documentary fees.","S001 .130 opening paragraph; S021 §1153. Definitions excluding an item from “service charge” do not independently authorize it."],["S_WA-P11-C027","For the agreements listed in .130(2), a monthly computed service charge below $1 may be increased to $1.","S001 .130(2). This is not a closed-end setup fee or a universal minimum finance charge."],["S_WA-P11-C028","Delinquency/collection charges, attorney fees, court costs, and disbursements require agreement authorization and must be reasonable. An attorney fee is unavailable under this clause unless collection is referred to an attorney who is not the holder’s salaried employee.","S001 .090(1)–(2), complete. No general fixed closed-end late-fee ceiling established. \napp.leg.wa.gov"],["S_WA-P11-C029","The special delinquency formula is limited to retail-charge/lender-card accounts satisfying .090(3): minimum payment received within the following ten days, prior thirty-day average balance below $100, and the stated more-than-thirty-days-overdue exclusion. The cap is 10% of that average, with a permitted minimum up to $2.","S001 .090(3); S020 §1. It is not a general grace period or a closed-end vehicle-contract cap."],["S_WA-P11-C030","Included insurance requires disclosures of nature, purpose, term, amount, and procuring party, plus the vehicle-liability exclusions statement when applicable. The amount is limited to insurer-fixed premiums, subject to the text’s below-$1 exception. Seller/holder procurement triggers the forty-five-day document/notice duty.","S001 .140(1)–(4), complete. No invented rounding rule or general insurance refund rule. \napp.leg.wa.gov"],["S_WA-P11-C031","A dealer documentary service fee is optional and negotiable, capped at $200 per sale/lease, and subject to written advance disclosure, conspicuous negotiability disclosure, separate designation, and advertisement requirements. It cannot be represented as state-required.","S005 .180(2), complete; S024 §211(2), §511. Effective change verified July 1, 2022. \napp.leg.wa.gov"],["S_WA-P11-C032","The referenced administrative amount is a $2.50 dealer share of the $6.50 emergency medical services fee under the specified title-application transactions. It is not an additional $2.50 on top of that fee. The total-loss qualification remains material.","S006 .110(1)–(2); S007 .440(1)–(2); S021 §§509, 820. Full title-fee coverage excluded."],["S_WA-P11-C033","A lender sharing common control with a brand owner cannot condition acceptance of assignment on purchase of a secondary product from a particular provider, administrator, or insurer. The statute designates a CPA/public-interest consequence.","S001 .043(2)–(3); S008 .196(4); S023 §2. Full CPA elements/remedies held. \napp.leg.wa.gov"],["S_WA-P11-C034","The incorporated control definition concerns actual power to direct management/policies and includes a rebuttable voting-control presumption. The disclaimer process has its own complete-application, disallowance, and hearing qualifications.","S009 .005(3), .025(11), complete; Q015. No actual affiliation or control finding."],["S_WA-P11-C035","A motor-vehicle installment contract meeting the identified state and applicable federal requirements must be accepted for consideration by an applied-to lender, except lenders both licensed and regulated under chapter 31.04.","S001 .043(1), complete. This is not mandatory credit approval or proof of conformity."]]},{"headers":["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],"index":4,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[],[]],"rows":[["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],["S_WA-P11-C036","Before final maturity, a buyer whose purchaser rights have not been terminated or forfeited may prepay the full unpaid time balance and receive the statutory unearned-service-charge credit.","S001 .080, complete; S019 §5. This is full prepayment, not a universal arrears-only cure. \napp.leg.wa.gov"],["S_WA-P11-C037","The state refund relation uses periodic time balances, subject to four minimum-earned-charge tiers and the below-$1 refund exception. The interaction where the original service charge is below a tier minimum is not resolved by inventing a zero floor, negative refund, or additional charge.","S001 .080; S019 §5. Exact relations in Q020; federal and construction dependencies B009."],["S_WA-P11-C038","An agreed extension/deferral requires a written acknowledgment sent or delivered before a charge is made. The permitted base and interval are stated, but the cap points to obsolete .130 subdivisions; the reviser flags the error. Additional continuation-insurance cost remains subject to .140.","S001 .156, complete; S019 §§8, 13; S016. Exact current incorporated cap held. \napp.leg.wa.gov"],["S_WA-P11-C039","Refinancing requires written agreement and the listed disclosures. Its charge base includes the amount refinanced and qualifying additional insurance/official fees, less the prepayment-equivalent credit without minimum-earned retention; the rate refers to .130. Consolidation invokes .110.","S001 .158, complete; S019 §14. The obsolete .080(1)(d) reference is separately held, without deleting the express no-minimum instruction. \napp.leg.wa.gov"],["S_WA-P11-C040","When an installment exceeds twice the average of preceding installments, default on that installment triggers the specified rescheduling right. Without agreement, new installments may not be substantially greater than the prior average. The seasonal/irregular-income-or-employment exception remains.","S001 .159, complete. No numerical substitute for “substantially greater.”"],["S_WA-P11-C041","Where consolidation includes seller-retained title/security, prior payments, the new downpayment, and later payments have distinct statutory allocations. Later payments ordinarily follow original cash-sale-price ratios; the installment-increase alternative and attached-goods/services exception are material.","S001 .110(2)(a)–(c), including final exception. Q024. \napp.leg.wa.gov"],["S_WA-P11-C042","When a separate seller accepts a card-financed return/service credit, the seller and issuer have separate seven-working-day transmission and three-working-day credit duties. Delay-caused service charges are excluded, and annual cardholder notice has its own interval limits.","S001 .167(1)–(4), complete. This does not create a general right to return goods. \napp.leg.wa.gov"],["S_WA-P11-C043","For a qualifying nonvehicle off-premises solicitation transaction, .154 specifies cancellation by certified-mail, return-receipt-requested notice posted by the stated third-day midnight cutoff, coupled with the goods-return/availability condition.","S001 .154(1)–(2); S022 §3. Telephone incorporation qualified by C046."],["S_WA-P11-C044","Cancellation under .154 requires automatic refund of deposits within ten days, return of trade-ins subject to reasonable actual ready-for-sale costs, and return/availability of received goods in original condition; no additional cancellation liability is imposed.","S001 .154(2), complete. Not a rule for every cancellation or prepayment. \napp.leg.wa.gov"],["S_WA-P11-C045","Section .154 does not apply to retail installment purchases of motor vehicles. Its offsite dealer-sale clause requires written disclosure that .154 supplies no cancellation right. The .040 notice exception separately refers to sale by a licensed vehicle dealer.","S001 .154(3), .040(2) final paragraph; S022 §§2–3. No conclusion about other cancellation grounds."],["S_WA-P11-C046","The cancellation statute expressly incorporates commercial telephone solicitation “as defined by chapter 20, Laws of 1989.” The original definition/exclusions and current amended .020 were read, but which later wording is incorporated remains unresolved.","S036 §3, §18; S037 .020. Construction held, not a universal telephone-sale right."],["S_WA-P11-C047","For a conditional/future-acceptance vehicle agreement, the dealer must communicate unconditional acceptance or rejection/tender within the statutory bushing period and before further negotiations. Rejection voids the agreement subject to specified surviving reasonable return/damage/mileage/lawful-fee terms; tender may be conditioned on vehicle return.","S005 .180(4)(a); S025 §1(4)(a); S026 §2. Q028."],["S_WA-P11-C048","Bushing communication may use the enumerated supplied email/phone, voice/text, in-person, conditionally available first-class-mail, or agreed/approved means. The statute makes it effective on execution, mailing, or sending—not a universal receipt rule.","S005 .180(4)(a), final sentence; S025 §1(4)(a), complete. \napp.leg.wa.gov"],["S_WA-P11-C049","The bushing clause preserves the specified material-misrepresentation branch only with its dealer/staff knowledge-and-participation qualifications.","S005 .180(4)(a), complete. No misrepresentation, contractual remedy, or Article9 entitlement is established here."],["S_WA-P11-C050","Trade-in allowance renegotiation is limited to listed title-brand, undiscoverable substantial-damage/latent-defect, additional-mileage, or mileage-discrepancy grounds. “Excessive additional miles” means at least 500 between valuation and delivery.","S005 .180(4)(b); S025 §1(4)(b). Title-brand incorporations held."],["S_WA-P11-C051","The vehicle-deposit clause imposes trust handling until delivery, with specified evidence-of-intent rules and an alternative separate-trust arrangement. Manufactured-home delivery and loan/installment-payment qualifications are separate.","S005 .180(9), complete. Q030; manufactured-home incorporation held. No universal actual-liability inference."],["S_WA-P11-C052","For a transaction within the relevant UCC scope, an at-will/insecurity acceleration term permits acceleration only on a good-faith belief that payment/performance is impaired; the statute assigns the burden of proving lack of good faith to the opposing party.","S013 .1-102, .1-201(a), (b)(20), .1-309; S014 .2-102, .2-105(1), .2-106(5). No universal default notice or cure right established."]]},{"headers":["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],"index":5,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[]],"rows":[["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],["S_WA-P11-C053","A buyer’s contractual waiver of sale-related claims/defenses against seller or assignee is invalid. A clause submitting to suit outside the signing, residence, or principal-business county is also invalid under the section.","S001 .150, complete; .020 note proviso. This is not a complete venue or personal-jurisdiction rule. \napp.leg.wa.gov"],["S_WA-P11-C054","A buyer’s act or agreement before or at making the contract, or at a purchase under a charge/card agreement, cannot waive chapter 63.14 or its remedies.","S001 .160, complete. No broader post-dispute waiver conclusion supplied."],["S_WA-P11-C055","On finding a contract/clause unconscionable when made, a court may refuse enforcement, enforce the remainder, or limit application; the parties must have a reasonable evidentiary opportunity. An expressly permitted charge/practice is not by itself unconscionable.","S001 .136; S017 §4, complete. No actual unconscionability finding."],["S_WA-P11-C056","Noncompliance/violation, except accidental or bona fide error, bars recovery of the listed service/official/delinquency/collection charges while preserving the stated cash-price and insurance-cost recovery.","S001 .180 first sentence, complete. This is not automatic erasure of every obligation. \napp.leg.wa.gov"],["S_WA-P11-C057","Excess service charges, except accidental or bona fide error, invoke the statutory recovery relation: twice service charges paid, plus contracted unpaid service charges, plus costs and reasonable attorney fees. The resulting cash-price reduction reduces future principal installments pro rata.","S001 .180 proviso and final paragraph; S019 §10 history identified, current text relied on. Q034; no actual award or stacking conclusion."],["S_WA-P11-C058","The 1993 remedial provision bars the listed remedies where the conduct is not a violation as amended by that act, including specified defensive and appellate uses.","S001 .175, .922; S018 §§3–5. Full historical judicial construction held."],["S_WA-P11-C059","The excess-service-charge declaratory action has specified parties and a cutoff tied to the earlier of two six-month reference events. An unsuccessful buyer faces discretionary defense fees/costs only if the action was frivolously commenced.","S001 .152, complete. Its 1967-act reference and relationship to other claims remain held; Q033 is not a general limitation rule. \napp.leg.wa.gov"],["S_WA-P11-C060","Section .170 states a willful-and-intentional misdemeanor and its own fine/imprisonment language; order violation is prima facie evidence.","S001 .170, complete. General criminal classification/sentencing incorporation not completed; Q035 reports section text, not an exhaustive current sentencing conclusion."],["S_WA-P11-C061","The AG/prosecutor may pursue the specified injunction. An AG written assurance requires court approval in the designated venue and prosecutor consent when the specified action is pending; breach has the stated prima-facie consequence.","S001 .190–.200, complete. Public authority is distinct from an individual recovery entitlement."],["S_WA-P11-C062","Violation of a qualifying injunction/order may produce a civil penalty up to $1,000, sought by the AG in the issuing court.","S001 .210, complete. No automatic private award."],["S_WA-P11-C063","RCW 46.70.190 permits its specified business/property-injury action in superior court for actual damages, injunction, costs, and reasonable attorney fees, subject to its one-year provision.","S005 .190, complete. Dealer/manufacturer federal-franchise overlap paragraphs were read but are outside this consumer-credit component. \napp.leg.wa.gov"],["S_WA-P11-C064","Chapter 46.70 has a CPA/public-interest linkage. Its civil-construction provision cannot be converted into a claim that every .180 violation is noncriminal: .180(5) contains an express odometer felony branch.","S005 .270, .310, .180(5). Full CPA and criminal regimes held."]]},{"headers":["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],"index":6,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[],[],[],[],[],[],[],[],[],[],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com","text":"app.leg.wa.gov"}]],"rows":[["Claim ID","Precise assertion, conditions, and exceptions","Sources and exact pinpoints; confidence"],["S_WA-P11-C065","Chapter 48.160 excludes insurance policies and specified federal/state financial institutions and consumer-loan companies, while allowing the specified exempt institutions to elect compliant waivers.","S010 .001(1)–(3), complete. Federal institutional incorporations and actual exemption status held. \napp.leg.wa.gov"],["S_WA-P11-C066","A GAP waiver is the defined separately charged agreement to waive specified financed obligations upon covered total loss/theft, forming part of/addendum to the finance agreement. Its motor-vehicle definition is broader than ordinary automobiles and includes personal/commercial categories. The free-look period is at least thirty days from effectiveness.","S010 .010, complete. It is not a blanket insurance or retail-sale classification."],["S_WA-P11-C067","GAP may use single or periodic payments, but purchase cannot condition credit, credit terms, or related vehicle sale/lease terms. The separate-cost/non-finance-charge treatment is expressly conditioned on TILA compliance.","S010 .030(1)–(6), complete. Federal classification held. \napp.leg.wa.gov"],["S_WA-P11-C068","GAP requires clear written disclosures including price, coverage/limitations, benefit procedures, cancellation/refund method, conditional written-request timing, potential balance credit, optionality, and noninsurance status.","S010 .050(1)–(10), complete. Disclosure does not prove assent or benefit/refund entitlement."],["S_WA-P11-C069","The waiver remains part of the finance agreement after transfer. Assignment and changed benefit-contact information trigger separate thirty-day mailing duties; registration/exemption/authorization qualifications also apply. The rule requires U.S. mail, allowing electronic notice additionally.","S010 .030(5), (9); S012 -070; S042. No actual assignee authorization established."],["S_WA-P11-C070","Free-look cancellation yields a full refund if no benefits were provided; otherwise waiver terms govern full/partial refund. After free look, cancellability and unearned refund are conditional, and the statute specifies a written request within ninety days of finance-agreement termination.","S010 .060(1)–(2), complete. No universal automatic post-free-look refund. \napp.leg.wa.gov"],["S_WA-P11-C071","A refund due upon default/repossession may go to creditor/administrator; a financed waiver’s cancellation refund may reduce the overall financed obligation, with required prior disclosure.","S010 .060(3)–(5), .050(8). This does not guarantee cash payment to the buyer."],["S_WA-P11-C072","When a refund is due and payable to the borrower, the current obligor must pay it rather than redirecting the borrower to a prior obligor. Waiver records have the specified agreement-duration-plus-two-years retention period.","S012 -080, -090, complete; -020 definitions. Q019."],["S_WA-P11-C073","The currently displayed DOL unlawful-practices rule retains the 2015 permanent adoption. The 2025 proposed amendment identified in the filing history was withdrawn.","S011; S040; S041. Proposal text not relied on as law."],["S_WA-P11-C074","The OIC permanent GAP order was filed/effective January 6, 2010, although its rule applicability text names January 1, 2010.","S012 -010; S042 adoption order. Historical January 1–5 operation held; no present-day repeal inferred."],["S_WA-P11-C075","The 1967 and 1981 provisions contain distinct application/savings rules; current codification does not authorize applying every current clause to every older transaction.","S001 .903, .921; S019 §17; S002 .900. Original 1981 enactments not fully authenticated here."],["S_WA-P11-C076","The 1992 act replaced the former numerical service-charge structure; the 1995 act repealed the 1992 sunset and the rate-publication section, with application/savings provisions.","S016 §§1–5, veto material; S017 §§1–5. Historical rate tables are not current ceilings."],["S_WA-P11-C077","The motor-cancellation amendment became effective July 25, 2021; the documentary-fee increase to $200 became effective July 1, 2022.","S022 §§2–3 and certified header; S024 §211(2), §511."],["S_WA-P11-C078","Relevant 2025/2026 changes were separately checked: vehicle-dealer definition, GAP registration-fund provisions, and 2026 vehicle-licensing provisions. A separate speed-assistance dealer provision is future-effective January 1, 2029.","S031–S033, S038–S039; S005 .011, .170, .360; S010 .020. No future clause applied now or licensing permission inferred."],["S_WA-P11-C079","The narrow UCC acceleration and goods/hybrid findings are subject to the 2012 and 2023 application/savings texts. The 2023 amendments became effective January 1, 2024; specialized Article9/12 transition branches were not completed.","S034 §§123, 1803–1806; S035 §§201–202, 1101–1104, 1201–1204."],["S_WA-P11-C080","Currentness was checked against public codification and the dated 2025/2026 affected-sections reports. Negative report searches do not establish absence of later or uncodified change.","S043–S044; currentness log. This is an evidence limitation, not a legal no-change finding."],["S_WA-P11-C081","DOL’s rule independently requires the listed accompanying disclosures when specified payment/credit terms are advertised and restricts adding unauthorized items to an advertised price. Its APR disclosure language is not itself a rate ceiling.","S011 -152(4)(j)–(k), (5)–(6), complete; S040. Other advertising branches were read but not turned into a full advertising report. \napp.leg.wa.gov"]]},{"headers":["Quantity ID","Exact relation, unit, event, and boundary","Conditions, exceptions, counting/rounding limit","Claim/source links"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity ID","Exact relation, unit, event, and boundary","Conditions, exceptions, counting/rounding limit","Claim/source links"],["Q001","Service-charge branch: one or more installments. No-service-charge branch: more than four.","Strict >4; not ≥4.","C004; S001 .010(12)."],["Q002","Consumer lease: >4 months, generally obligation ≤$25,000.","Dollar ceiling inapplicable to motor-vehicle consumer leases; complete exclusions apply.","C007; S003 .020(4)."],["Q003","Lease-purchase initial term ≤4 months.","Renewable beyond initial term; no initial obligation beyond it; automobile exclusion.","C008; S004 .010–.020."],["Q004",".040 sequence: SP − DP; then insurance, official fees, qualifying trade-in/terminated-lease discharge amount; statutory principal is the specified sum.",".010(7), (14) additionally identify vehicle-fee and sale-price categories. No duplication or actual allocation is performed. Federal “amount financed” equivalence is held.","C016; S001 .010(7), (14), .040(1)(a)–(g)."],["Q005","T = P + SC; .040(1)(i) requires the dollar time-balance sum when SC is stated in dollars. Statutory “rate” is the percentage applied to the outstanding balance for the month/installment period.","This is not a verified federal APR formula. The prescribed notice refers to a per-annum rate computed monthly.","C016, C025; S001 .010(8), (17), .040(1)(h)–(i), (2)(d)."],["Q006","Maximum number, installment amounts, and due dates are generally required.","Equal-payment/final-payment exception uses “does not substantially exceed”; no numerical threshold. First date may reference contract/delivery/installation.","C017; S001 .040(1)(j)."],["Q007","Contract text ≥8 point; copy acknowledgment and prescribed buyer notices ≥10-point boldface.","Exact placement and scope differ; completion instructions excluded from eight-point rule.","C014–C016, C020; S001 .020, .030, .040(2), .120(3)."],["Q008","Copy at signing; qualifying later-acceptance copy/memorandum mailed; remote-order memorandum before first installment, or before/with delivery when specified. Consolidation memorandum before first consolidated installment due.","Different triggers; no single universal delivery clock.","C015, C018–C019."],["Q009","First requested account statement free; subsequent statements ≤$1 each.","Written-request predicate; no section-stated day deadline.","C021; S001 .100."],["Q010","Revolving/charge/card computed monthly SC <$1 → $1 may be charged.","Optional minimum in .130(2), not a general closed-end fee.","C027."],["Q011","Specified account B < $100; delinquency charge ordinarily ≤0.10 × B, with minimum up to $2 allowed.","B is prior 30-day average; minimum payment received within 10 days following due date; subsection excludes payment >30 days overdue. No universal grace-period inference.","C029; S001 .090(3), S020."],["Q012","Included insurance amount ≤ insurer-fixed premium, except the text’s amount-<$1 qualification. Procurement document/notice within 45 days after delivery/services.","No statutory rounding convention or automatic $1 insurance minimum inferred.","C030; S001 .140."],["Q013","Documentary fee ≤$200 per vehicle sale or lease.","Optional, negotiable, disclosed before execution, separately designated; advertising qualification. No indexing provision relied on.","C031; S005 .180(2), S024."],["Q014","EMS fee $6.50; dealer share $2.50 of that fee.","Specified title-application transactions and total-loss exception. No added-fee arithmetic or other title-fee calculation.","C032; S006–S007."],["Q015","Control presumption at ≥10% voting securities; complete disclaimer deemed granted unless disallowed within 30 days of receipt.","Rebuttable control presumption; actual power and disclaimer/hearing qualifications retained.","C034; S009 .005(3), .025(11)."],["Q016","GAP free look at least 30 days from effective date.","Full refund within free look requires no benefits; otherwise terms govern.","C066, C070; S010 .010, .060(1)."],["Q017","GAP assignment notice within 30 days of assignment; changed benefit-contact notice within 30 days of change.","Mailing duty; rule specifies U.S. mail, electronic notice additionally.","C069; S010 .030(9), S012 -070."],["Q018","Conditional GAP refund request within 90 days of event terminating finance agreement.","Written request and applicable waiver terms; not a universal payment deadline.","C070; S010 .060(2)."],["Q019","GAP records retained for agreement duration plus 2 years after termination.","Termination categories include expiration, cancellation, and provision of waiver benefits under the rule.","C072; S012 -090."],["Q020","Before provisos: R ≥ SC × [Σ PTB not yet due ÷ Σ all PTB]; earned charge E = SC − R. Minimum earned charge: $15 if P≤$250; $25 if $250<P≤$500; $37.50 if $500<P≤$1,000; $50 if P>$1,000.","If computed E is below the applicable minimum, statute deems the minimum earned. Refund <$1 need not be made. PTB measured at last day of month/other uniform scheduled interval. Low-original-charge interaction and federal incorporation held; no zero floor, rounding, or negative-credit invention.","C036–C037; S001 .080; S019 §5."],["Q021","Deferral base = installment(s) or portion deferred; interval no longer than original due date to agreed deferred due date.","Cap references obsolete rate subdivisions. Computed charge <$1 permits a $1 minimum, but this does not cure the unresolved rate incorporation. Additional continuation-insurance cost conditional.","C038; S001 .156."],["Q022","Refinance charge base: A + I + O − prepayment-equivalent R; minimum-earned retention excluded in that R.","Written agreement; charge rate limited by .130; added insurance must satisfy .140; no amortization or amount computed.","C039; S001 .158."],["Q023","Triggering installment >2 × average preceding installments.","Default on that installment; replacement installments not substantially greater without agreement; seasonal/irregular-income/employment exception.","C040; S001 .159."],["Q024","Ordinary consolidation allocation ratios follow Cj ÷ ΣCj. Prior payments go to earlier purchases; new downpayment goes to new purchase.","Alternative allocates installment increase to new purchase and previous installment amount to prior balances; attached-goods/services exception.","C041; S001 .110(2)."],["Q025","Seller transmits card credit within 7 working days of entitlement transaction; issuer credits within 3 working days following receipt. Notice at least once/calendar year, intervals 6–18 months inclusive.","Separate actors/triggers. “Working day” not further defined in the read section.","C042; S001 .167."],["Q026","Qualifying cancellation notice posted not later than midnight of third day following signing, excluding Sundays and holidays.","Posting, not a universal receipt rule. Motor-vehicle exclusion; goods condition; telephone-definition hold. No actual holiday/calendar calculation.","C043, C045–C046; S001 .154."],["Q027","Seller refunds deposits within 10 days after qualifying cancellation; trade-in reduction limited to reasonable costs actually incurred preparing it for sale.","No additional cancellation liability under this section; general counting convention not supplied.","C044; S001 .154(2)."],["Q028","Bushing period 4 calendar days, exclusive of Saturday, Sunday, legal holiday, and before further negotiations.","Conditional/future-acceptance signed agreement; communication effective upon execution/mailing/sending under enumerated methods.","C047–C049; S005 .180(4)(a), S025."],["Q029","Excess additional mileage ≥500 miles between initial trade-in valuation and delivery.","Separate title-brand, damage/defect, and discrepancy branches; no actual mileage or valuation.","C050; S005 .180(4)(b)."],["Q030","Deposit-handling evidence includes failure to deposit by close of banking hours on day following receipt.","Statutory trust-until-delivery duty, immediate handling provisions, and separate-trust alternative; not every failure automatically proves liability.","C051; S005 .180(9)."],["Q031","Dealer records ≥5 years; paper generally 1 year before electronic alternative; paper older than 2 years may be offsite if produced within 3 calendar days excluding Saturdays, Sundays, legal holidays after director request.","Electronic-origin alternative; regulatory request, not consumer access.","C023; S005 .120; S027."],["Q032","Vehicle financing/insurance/tax/other-charge itemization before execution/consummation.","Seller-signed written itemization; title-application exception has limited scope.","C022; S005 .130."],["Q033","Declaratory-action cutoff: no later than the earlier of 6 months after final payment becomes due, acceleration or otherwise, and 6 months after principal is fully paid.","Specific .152 action only; no actual accrual/date/counting conclusion; historical incorporation held.","C059."],["Q034","Excess-SC statutory recovery relation: 2 × SC paid + SC contracted but unpaid + costs + reasonable attorney fees.","Accidental/bona-fide-error exception; resulting cash-price reduction pro rata to future principal installments; no stacking/award assumed.","C057; S001 .180."],["Q035","Section .170 text states fine ≤$1,000, imprisonment ≤6 months, or both.","Willful/intentional violation and conviction; general criminal classification/sentencing remains unread and held.","C060."],["Q036","Civil order-violation penalty ≤$1,000.","AG petition in issuing court; not a private automatic recovery.","C062; S001 .210."],["Q037","Section 46.70.190 action no later than 1 year following alleged violation.","Specific statutory action; no extension, tolling, accrual construction, or filing date supplied.","C063."],["Q038","GAP single-payment or monthly/periodic option; refund may be applied to financed balance.","No universal GAP price cap or universal refund formula established by the read consumer clauses. “Unknown cap” is not unlimited-charge permission.","C067, C070–C071."],["Q039","“Prompt,” “reasonable,” “substantially,” and good faith retain their statutory qualitative character.","No invented fixed day count, percentage, or operational test.","C017, C020, C028, C040, C052, C055."],["Q040","Advertising a specified downpayment, payment, repayment period, finance charge, or no-charge credit triggers the complete listed companion disclosures.","State-rule APR disclosure is not a rate cap; no APR calculation. Other advertising quantities were read but are outside the relied-on findings.","C081; S011 -152(5)–(6)."],["Q041","WAC 284-160 defines days as calendar days including weekends/holidays and recognizes retrievable written/electronic records.","Rule-chapter definitions are not automatically exported to every statutory clock or signature requirement.","C069–C074; S012 -020."]]},{"headers":["Exact section / use","Literal HTTPS URL","Displayed credit / reading qualification"],"index":8,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926"}]],"rows":[["Exact section / use","Literal HTTPS URL","Displayed credit / reading qualification"],[".010 definitions","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010","2010 c161 §1152; material prior 2009 c334 §11, 1993 sp.s. c5 §1, 1992 c134 §16, 1983 c158 §7, 1981 c77 §1. All 17 definitions and notes read."],[".020 document, note, signature","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020","1967 c234 §1; 1963 c236 §2. Complete."],[".030 copy","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030","2012 c117 §166; 1981 c77 §2; 1967 c234 §2; 1963 c236 §3."],[".040 contents/notices","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040","2021 c201 §2; 2012 c117 §167; material 1999 c113 §2, 1981 c77 §3, 1967 c234 §3. Complete statutory blank notice read, not populated."],[".043 vehicle contracts/products","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043","2020 c174 §2; 2006 c288 §1."],[".050 multipurchase documents","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050","1963 c236 §5."],[".060 mail/telephone orders","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060","2012 c117 §168; 1967 c234 §4; 1963 c236 §6."],[".070 blanks","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070","1963 c236 §7."],[".080 prepayment","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080","2012 c117 §169; 1967 c234 §5; 1963 c236 §8."],[".090 delinquency/collection","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090","1993 c481 §1; 1984 c280 §2; 1963 c236 §9. All three subsections."],[".100 receipts/statements","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100","1963 c236 §10."],[".110 consolidation","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110","2012 c117 §170; 1999 c113 §3; 1967 c234 §6; 1963 c236 §11."],[".120 revolving/card information","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120","1984 c280 §3; material 1981 c77 §4, 1967 c234 §7. Complete notice and exceptions."],[".125 card security restriction","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125","1984 c280 §4."],[".127 dog/cat collateral","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127","2019 c340 §2."],[".130 service charges","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130","2010 c161 §1153; material 2003 c368 §3, 1999 c113 §4, 1997 c331 §7, 1992 c193 §1. Historical credits/notes read."],[".136 unconscionability","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136","1995 c249 §4; renumbering note read."],[".140 insurance","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140","2012 c117 §171; 1984 c280 §6; 1963 c236 §14."],[".145 assignment","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145","1993 sp.s. c5 §2."],[".150 claims/defenses/venue waiver","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150","2012 c117 §172; 1984 c280 §7; 1967 c234 §9; 1963 c236 §15."],[".151 federal disclosure condition","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151","1984 c280 §8; 1981 c77 §9. Federal body not read."],[".152 declaratory action","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152","2012 c117 §173; 1967 c234 §11."],[".154 cancellation","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154","2021 c201 §3; 2012 c117 §174; material 1989 c20 §18 and c14 §8; 1967 c234 §12."],[".156 deferral","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156","1967 c234 §13; complete erroneous-reference note read."],[".158 refinancing","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158","2012 c117 §175; 1967 c234 §14."],[".159 oversized installment","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159","1967 c234 §15."],[".160 nonwaiver","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160","1984 c280 §9; 1963 c236 §16."],[".165 financial-institution cards","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165","1984 c280 §10; 1981 c77 §10."],[".167 card credits","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167","1989 c11 §24; 1984 c280 §11."],[".170 criminal text","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170","1963 c236 §17; general sentencing incorporation held."],[".175 1993 remedial application","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175","1993 sp.s. c5 §3."],[".180 civil recovery","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180","1984 c280 §12; 1967 c234 §10; 1963 c236 §18."],[".190 injunction","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190","1963 c236 §19."],[".200 assurance","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200","2012 c117 §176; 1963 c236 §20."],[".210 order penalty","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210","1963 c236 §21."],[".220 dog/cat purchases","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220","2023 c208 §5."],[".903 1981 application/saving","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903","1981 c77 §13. Current clause read; original act not fully read."],[".910 short title","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910","1963 c236 §24."],[".920 original effective date","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920","1963 c236 §25. Read; no historical transaction application made."],[".921 1967 saving/effect","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921","1967 c234 §17."],[".922 1993 application","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922","1993 sp.s. c5 §4."],[".924 1995 application","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924","1995 c249 §2."],[".925 1995 saving","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925","1995 c249 §3."],[".926 1995 effective date","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926","1995 c249 §5."]]},{"headers":["Source ID","Issuer / instrument and literal HTTPS URLs","Actual read extent, credit, status, and limitation"],"index":9,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true"}]],"rows":[["Source ID","Issuer / instrument and literal HTTPS URLs","Actual read extent, credit, status, and limitation"],["S_WA-P11-S002","Legislature, RCW 19.52: https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100; https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true; https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130","Complete .100; .120(1)–(8); .130(1)–(2); .900. Credits: 1981 c78 §3; 1981 c77 §§7–8; .900 1989 c8 §2/1981 c78 §10. Reliance on .130(1), not its unread federal incorporation in (2). Other chapter material is not a general usury report."],["S_WA-P11-S003","Legislature, Consumer Leases definition: https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020","Complete (1)–(6); reliance on (4)–(6). Latest 1998 c113 §1; prior 1995 c112 §1, 1992 c134 §15, 1983 c158 §2. Lease pricing/disclosure regime excluded."],["S_WA-P11-S004","Legislature, Lease-Purchase definitions/application: https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010; https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020","Complete definitions and application exclusions. 1992 c134 §§2–3. Remaining chapter not read."],["S_WA-P11-S005","Legislature, Vehicle Dealers: https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360","Complete listed sections. Material reliance: .011 definitions; .120 records; .130 itemization; .160 rule authority; .180(1), (2), (4), (9); .190; .270; .310. Latest credits respectively include 2025 c68 §1; 2016 sp.s. c16 §1; 2001 c272 §9; 1961 c12; 2026 c186 §6; 2022 c182 §211; 2010 c8 §9085; 1986 c241 §22; 1967 ex.s. c74 §25; 1986 c241 §23; 2025 c228 §10. .360 future 2029; .170 licensing expansion not a consumer remedy finding; .260 franchise application not generalized."],["S_WA-P11-S006","Legislature, EMS fee: https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110","Complete (1)–(2); 2010 c161 §509. Exact fee and total-loss boundary only."],["S_WA-P11-S007","Legislature, EMS distribution: https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440","Complete (1)–(2); 2010 c161 §820. Dealer share/fund allocation only."],["S_WA-P11-S008","Legislature, brand-owner practices: https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196","Complete (1)–(4), including incentive/warranty-work exceptions. 2020 c174 §1. Reliance principally on incorporated definitions (4); no full franchise report."],["S_WA-P11-S009","Legislature, insurance-holding-company control: https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005; https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025","Full .005 read; reliance on relevant person/affiliate/control definitions. Complete .025(11) and credits read, not all .025. Latest 2024 c42 §§1–2; .025 earlier 2015 c122 §5, 2000 c214 §1, 1993 c462 §6. Exact control incorporation only."],["S_WA-P11-S010","Legislature, GAP waivers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900","Complete listed sections. Most credits 2009 c334 §§1–4, 6–8, 13; .020 dual 2025 c399 §7/c243 §14 amendments and note read. Registration amounts are not consumer-price findings. .040 backing insurance and .080 enforcement not completed."],["S_WA-P11-S011","DOL, WAC 308-66-152: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152","Complete (1)–(8) and credits. Reliance on credit advertising/price clauses and status; other advertising branches not separately investigated. Latest WSR 15-16-125, filed Aug. 5/effective Sept. 5, 2015; prior 04-16-090, 98-20-039, 91-03-019, 90-20-086 displayed."],["S_WA-P11-S012","OIC, WAC 284-160: https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true","Complete -010, -020, -030, -050, -060, -070, -080, -090, -100. Consumer reliance principally definitions, assignment, refund, records. WSR 10-02-111; licensing procedures not market-access findings."],["S_WA-P11-S013","Legislature, UCC general provisions: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309","Complete .101/.102/.309 and application notes; .201(a), introductory (b), and complete (b)(20), with credits. Not all .201 definitions relied on. Credits 2012 c214 §§101–102, 109, 123; .201 also 2023 c266 §101."],["S_WA-P11-S014","Legislature, UCC sales scope: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106","Complete listed sections. Reliance on scope, ordinary movable goods, hybrid definition; not all cross-referenced definitions or Article2 remedies. Credits: 2023 c266 §§201–202; 2012 c214 §801; 1965 ex.s. c157 §2-105. Attached-property .2-107 held."],["S_WA-P11-S015","Legislature, OIC powers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true","Complete .060(1)–(7), especially (3)(a), read through full-chapter route; 2010 c27 §1. Rule authority only; not full agency process/remedies."]]},{"headers":["Source ID","Title / literal HTTPS URL","Actual read bounds, status, and effective/application significance"],"index":10,"links":[{"href":"https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4"},{"href":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2"},{"href":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12&utm_source=chatgpt.com","text":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12"},{"href":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201"},{"href":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18&utm_source=chatgpt.com","text":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf"},{"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"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013"}],"row_links":[[],[{"href":"https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2"}],[{"href":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12&utm_source=chatgpt.com","text":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201"}],[{"href":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18&utm_source=chatgpt.com","text":"https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf"}],[{"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"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013"}]],"rows":[["Source ID","Title / literal HTTPS URL","Actual read bounds, status, and effective/application significance"],["S_WA-P11-S016","1992 c193: https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1","Complete §§1–5 and veto explanation, pp.1–6/PDF1–6; certification PDF0. Immediate April 2, 1992; §3 vetoed. Historical rate-change/sunset text."],["S_WA-P11-S017","1995 c249: https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4","Complete §§1–5, pp.1–2/PDF1–2. May 5, 1995 immediate effect; repeals prior sunset/rate publication; prospective application and savings; unconscionability provision."],["S_WA-P11-S018","1993 sp.s. c5: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2","Complete §§1–5, pp.1–5/PDF1–5. Immediate May 28, 1993; assignment/remedy application."],["S_WA-P11-S019","1967 c234: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12","§5 pp.1135–1136/PDF5–6; §8 pp.1139–1140/PDF9–10; §§13–17 pp.1143–1146/PDF13–16. January 1, 1968 effective/saving clause. Old rates historical only; not the entire act."],["S_WA-P11-S020","1993 c481: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1","Complete §1, pp.1–2/PDF1–2; certified effective date July 25, 1993. Confirms unusual .090(3) wording."],["S_WA-P11-S021","2010 c161: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238","§509 p.151/PDF151; §820 p.213/PDF213; §1152 pp.344–347/PDF344–347; §1153 pp.347–348/PDF347–348; §1238 p.370/PDF370. Relevant provisions July 1, 2011; unrelated exception not imported. Not all 371 PDF pages."],["S_WA-P11-S022","2021 c201: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3","Complete §§2–3, pp.3–6/PDF3–6; certified header July 25, 2021. Motor cancellation/notice changes. Other warranty matters not completed."],["S_WA-P11-S023","2020 c174: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2","§1(2)–(4), §2, pp.2–3/PDF2–3; certified header June 11, 2020. Complete current §1 also read as S008."],["S_WA-P11-S024","2022 c182: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211","Complete §211(2), pp.21–22/PDF21–22; §§502–511, pp.120–121/PDF120–121. §511 makes relevant $150→$200 change effective July 1, 2022. Remaining transportation act not read."],["S_WA-P11-S025","2017 c41: https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1","§1(4)(a)–(b), pp.3–5/PDF3–5; certified July 23, 2017. Bushing communications/conditions; complete current (4) read separately."],["S_WA-P11-S026","2006 c289: https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2","Complete §2, p.9/PDF9; certified June 7, 2006. Separate substantive-cause/procedural-action prospective application. Full §1 not claimed."],["S_WA-P11-S027","2016 sp.s. c16: https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1","Complete §1, pp.1–2/PDF1–2; §3 p.3/PDF3; certification records veto override and June 28, 2016 effect. Dealer records."],["S_WA-P11-S028","2019 c340: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2","§2 p.1/PDF1; §§5–6 p.4/PDF4; certified July 28, 2019. Dog/cat collateral, ownership/refund, unsecured-loan qualification. Article9 amendments not a P10 foundation."],["S_WA-P11-S029","2023 c208: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5","Complete §5 p.7/PDF7; certified July 23, 2023. Other animal-sale/loan provisions not completed."],["S_WA-P11-S030","2009 c334: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1","Opening enactment material and §11 definition amendment reviewed; complete §§12–14 p.13/PDF13, including application to agreements on/after January 1, 2010. Complete current operative GAP clauses separately read in S010; no claim of a full original-act reading."],["S_WA-P11-S031","2025 c68: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1","§1(18)(c)–(j), (19)–(20), pp.4–5/PDF4–5; certified July 27, 2025. Manufactured-housing dealer-definition change; special regime held."],["S_WA-P11-S032","2025 c243: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14","Complete §§14–16, pp.16–17/PDF16–17; relevant §14 July 27, 2025; separate §6 date not imported. GAP registration-fund change, not consumer fee ceiling."],["S_WA-P11-S033","2025 c399: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7","Complete §7 pp.8–9/PDF8–9; §§18–20 pp.28–29/PDF28–29. §7 effective July 1, 2025; current dual-amendment note read. Not every repeal in act investigated."],["S_WA-P11-S034","2012 c214: https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803","§123 p.23/PDF23; §§1803–1806 pp.154–155/PDF154–155; relevant June 7, 2012 application/savings. Unrelated later-effective parts excluded."],["S_WA-P11-S035","2023 c266: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201","Complete §§201–202 pp.8–10/PDF8–10; §§1101–1104 pp.130–131/PDF130–131; §§1201–1204 p.134/PDF134. January 1, 2024 effect. Specialized §§1105–1109 not read."],["S_WA-P11-S036","1989 c20: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18","Complete §3 definitions/exclusions pp.129–132/PDF0–3; §§18–20 p.140/PDF11. January 1, 1990 effect. Historical incorporation, not current telemarketing coverage by assumption."],["S_WA-P11-S037","Legislature, current telephone definitions: https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020","Complete (1)–(10) and credits: 2025 c58 §1004; 2023 c103 §4; 2003 c39 §12; 1989 c20 §3. Comparator only; incorporation into .154 held."],["S_WA-P11-S038","2026 c186: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6","Complete §6 p.19/PDF19; §9 p.20/PDF20; certified June 11, 2026, except §7 October 1, 2026. Current licensing/status dependency, not consumer permission."],["S_WA-P11-S039","2025 c228: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10","Complete §10 p.6/PDF6; §18 p.17/PDF17. Relevant dealer provision future January 1, 2029."],["S_WA-P11-S040","DOL permanent order WSR 15-16-125: https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm","Full adoption order and amended WAC 308-66-152(1)–(8). Filed August 5, effective September 5, 2015. Operative adoption, not proposed text."],["S_WA-P11-S041","DOL withdrawal WSR 25-13-085: https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm","Complete withdrawal notice; filed June 16, 2025, withdrawing WSR 25-04-119. Proposed body not read or relied on."],["S_WA-P11-S042","OIC permanent order WSR 10-02-111: https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm","Complete adoption and nine rules. Filed/effective January 6, 2010; rule applicability January 1 text separately preserved."],["S_WA-P11-S043","Legislature, 2025 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf","Relevant searches and neighboring entries, principally printed pp.13–16/PDF12–15; report footer June 2, 2025. Not all 24 pages read; index evidence only."],["S_WA-P11-S044","Legislature, 2026 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf","Relevant searches and entries, including printed pp.8, 10/PDF7, 9; footer April 2, 2026. Not all 13 pages read; no later-change guarantee."],["S_WA-P11-S045","Legislature, 2010 technical/effective notes: https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013","Complete displayed 2010 c161 intent/effective-date notes read; §1238 independently read in S021. The underlying abandoned-vehicle subject is not a finding here."]]},{"headers":["Branch ID","Supported conditional consequence","Missing predicate / adverse inference to avoid","Exact next generic authority inquiry"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch ID","Supported conditional consequence","Missing predicate / adverse inference to avoid","Exact next generic authority inquiry"],["B001","Chapter 63.14 can apply when its goods/services, purpose, actor, payment, and territorial definitions all fit.","Mixed purpose, nonbusiness seller, or territorial nexus cannot be invented.","Complete statutory/judicial construction of .010’s purpose and “entered into or performed” language in a separately authorized construction pass. C001–C006."],["B002","Qualifying sales receive the stated chapter 19.52 exclusions.","Purchase-related use of loan proceeds alone does not prove a credit sale.","Generic sale-versus-loan construction of 19.52.100/.120 and 63.14.010; lender-law dependencies separately. C010."],["B003","Vehicle overlays apply to their defined actors/activities.","Dealer exclusions are activity-specific; title or institutional status is unestablished.","Complete incorporated generic title/equipment/licensing/housing definitions only if needed for the particular legal category; no records or rosters."],["B004","Lease-shaped ownership arrangements may be retail contracts; qualifying leases/rent-to-own use separate regimes.","The reciprocal exclusions and substantive ownership conditions cannot be resolved by a “lease” label.","Full chapters 63.10 and 63.19, relevant UCC lease/security classification, and their material enactment transitions. C006–C008."],["B005","Written, signed, complete agreement/copy requirements govern subject to stated exceptions.","A retrievable record is not automatically proof of valid electronic signature, delivery, or consent.","RCW 1.80 and applicable federal electronic-record/signature scope and consumer-consent provisions; no actual document examination. C013–C020."],["B006","Current service-charge limits refer to agreement and disclosure.","No agreement-based unlimited-charge or universal federal-preemption conclusion.","Full applicable federal creditor/preemption and TILA classification in a later federal pass; state unconscionability construction remains held. C025–C028, C055."],["B007","Particular additional fees may be permitted under their own conditions.","Exclusion from “service charge” is not authorization; sale-price categories do not prove a lawful charge or permit double counting.","Generic construction of .010/.040/.090/.130/.140 and each exact additional-charge statute."],["B008","The narrow .090(3) formula controls only its stated account and timing branch.","Do not apply it to every late installment, infer a ten-day grace period, or treat its absence as unlimited permission.","Construction of the unusual receipt/overdue language, retaining the verified 1993 original. C029."],["B009","Section .080 supplies state prepayment/refund relations.","Original charge below minimum-earned tier; termination/forfeiture; federal constraints; no invented negative credit or extra fee.","Generic construction of .080 with .130; complete applicable federal prepayment authority, including 15 U.S.C. §1615 and implementing provisions, before any combined conclusion. C036–C037."],["B010","Deferral requires agreement, acknowledgment, and a bounded amount/interval.","Obsolete .130 subdivisions prevent a verified exact present cap.","Formal legislative reconciliation or authorized judicial construction of .156, its reviser note, 1967 §13, and 1992/1995 changes. C038."],["B011","Refinancing expressly excludes minimum-earned retention from its prepayment-equivalent credit.","Obsolete .080(1)(d) citation and any competing interpretation remain unresolved.","Generic construction of .158’s cross-reference while preserving its complete substantive sentence. C039."],["B012","Qualifying off-premises cancellation has the statutory procedure and refund consequences.","Historical telephone-definition incorporation; no universal remote-sale or motor-vehicle cooling-off right.","Resolve incorporation of 1989 c20 §3 versus current 19.158.020; separately examine any federal cooling-off rule with complete scope/exclusions. C043–C046."],["B013","Oversized-installment default may trigger rescheduling.","Seasonal/irregular-payment exception and “substantially greater” remain predicates/standards.","Generic construction of .159; do not substitute an invented numerical cap. C040."],["B014","Bushing requires timely acceptance or rejection/tender under the stated branch.","This is a dealer obligation, not a general buyer cancellation option; no actual acceptance, misrepresentation, or communication established.","Complete construction of .180(4), relevant 2006 application, and communication boundary if separately authorized. C047–C050."],["B015","Consolidation has special allocations when retained security exists.","No security validity, collateral release, default, or repossession permission follows.","Exact Article9 interface and any relevant sale-law construction; no reuse of unreviewed P10 merits. C041."],["B016","Insecurity acceleration is bounded by UCC good faith where the UCC applies.","Scope, hybrid predominance, contractual trigger, impairment, and burden satisfaction are absent.","Full indispensable Article2/default/remedy provisions and applicable state consumer-credit rules; judicial construction separately held. C052."],["B017","Sale-related claims/defenses cannot be contractually waived as specified.","Defense preservation does not establish an affirmative recovery amount against every assignee.","Complete state assignee/remedy construction and separately scoped FTC Holder Rule inquiry. C011, C013, C053–C054."],["B018","Proven chapter violations may invoke specified charge forfeiture/recovery.","Error exception, charge classification, causation, party liability, award, offset, and remedy combination unestablished.","Full generic construction of .175/.180; CPA and other remedy stacking remain separate. C056–C058."],["B019","The identified statutory actions contain their own timing provisions.","No actual accrual, tolling, filing deadline, or transfer to other causes of action.","Exact action-specific construction of .152 and 46.70.190; P3 is not a premise. C059, C063."],["B020","Section .170 supplies criminal text.","Its stated figures cannot be presented as a complete modern sentencing result.","Complete RCW 9A.20 classification/penalty incorporation and any applicable savings provisions; criminal application otherwise excluded. C060."],["B021","GAP consumer clauses apply within chapter scope or the specified voluntary election.","Exempt institutional status and the scope of federal Part 37/NCUA provisions remain unverified.","Complete 48.160.001 incorporations, exact election effect, and relevant federal definitions/exclusions. C065."],["B022","GAP’s separate-cost treatment depends on federal conformity.","State wording is not an independent TILA finance-charge determination.","Complete relevant TILA/Regulation Z definitions, exclusions, disclosure and optional-product predicates. C067."],["B023","GAP refund, current-obligor payment, and balance-credit duties operate when their predicates are met.","Post-free-look refund is not automatically due; terms, benefit history, financing, request, and termination predicates absent.","Generic construction of .050/.060 and WAC -080; no private waiver or payment history sought. C068–C072."],["B024","State disclosure safe harbor depends on federal law in force at execution.","Federal currentness, creditor coverage, transaction exemptions, and execution-date law are unexamined.","TILA/Regulation Z scope and versions; FTC Holder/cooling-off, MLA/SCRA, bankruptcy, reporting and collection regimes separately. C024."],["B025","Current statutes and identified transitions support present text reporting.","Historical agreements cannot automatically receive current terms; no proof of no later uncodified amendment.","Event-specific generic enactment chain, unresolved original 1981/1984/other historical acts, and later official legislative checks. C075–C080."],["B026","Current DOL/OIC rules apply within their delegated subjects.","Withdrawn proposals are not operative; OIC January 1–5, 2010 historical interval unresolved.","Exact historical emergency/permanent rule sequence only if that interval is material; no present repeal inference. C073–C074."],["B027","Special regimes may alter ordinary-goods analysis.","Manufactured/mobile housing, agricultural/business transactions, regulated services, insurance, licensing, title, and special collateral are not completed.","Their exact generic statutes/rules and cross-references; no participant or property records."],["B028","Dealer deposit text has specific duties and evidentiary consequences.","No actual trust breach, delivery, consumer ownership, or manufactured-home rule established.","Complete RCW 46.70.135(5) incorporation and applicable generic deposit/remedy construction for the special branch. C051."],["B029","State statutory and administrative remedies are differentiated.","Public enforcement power does not itself supply every private cause, damages measure, or guaranteed relief.","Full chapter 19.86 elements/remedies, OIC hearing/sanction provisions, and general procedural relationships in separate passes. C061–C064."],["B030","This component preserves the listed state-law distinctions.","No local/tribal/interstate, disability/discrimination/privacy, federal-benefit, or bankruptcy conclusion is supplied.","Separate generic jurisdictional and special-regime authorities; full judicial construction remains open."]]},{"headers":["Analytical field","Entry"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Analytical field","Entry"],["Governing public-law category",""],["Relevant statutory version",""],["Application/savings clause",""],["Goods/services category",""],["Purpose classification",""],["Actor definition",""],["Territorial predicate",""],["Sale/loan/lease/revolving classification",""],["Applicable exclusion",""],["Agreement-content requirement",""],["Signature/record requirement",""],["Copy/delivery requirement",""],["Statutory amount categories",""],["Service-charge authority",""],["Separate-charge authority",""],["Insurance/ancillary-product authority",""],["Payment/prepayment provision",""],["Deferral/refinancing incorporation",""],["Default/acceleration predicate",""],["Cancellation provision",""],["Assignee/holder provision",""],["Nonwaiver provision",""],["Remedy and error qualification",""],["Source-stated trigger and unit",""],["Counting-rule authority",""],["Federal dependency",""],["Historical-version dependency",""],["Unresolved construction",""],["Exact next generic authority",""]]},{"headers":["Scope item","Status","Source / claim / branch links","Exact remaining evidence or retained boundary"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Scope item","Status","Source / claim / branch links","Exact remaining evidence or retained boundary"],["1 — Governing ordinary-goods framework","Answered—text","S001; C001–C006","Actual classification excluded."],["1 — Motor-vehicle overlay","Answered—text","S005, S021–S025; C022–C035, C045–C051","Full dealer licensing, title, and actual actor status excluded."],["1 — Purpose, actor, amount, territorial scope","Answered with construction holds","C001–C004; B001–B003","Mixed purpose and territorial construction remain open."],["1 — Security versus sale/loan","Answered—boundary","C005, C010–C011; B002, B015","Attachment, perfection, priority, enforcement capacity excluded."],["1 — Lease/consumer lease/rental-purchase","Answered—classification gateways","S003–S004; C006–C008","Full regimes and reciprocal-exclusion construction open."],["1 — Revolving/card/institution distinctions","Answered—state text","C009, C020, C027, C029, C042","Federal/institutional scope held."],["1 — Material enactment/application","Partial, identified","S016–S039; C075–C080","Not every historical act independently read."],["2 — Writing/signature/completion","Answered—text","C013–C014","Electronic-record/signature equivalence held, B005."],["2 — Copy/delivery/remote exceptions","Answered—text","C015, C018–C020","Actual receipt or conformity not examined."],["2 — Legal amount categories","Answered—text/formulas","C016–C017; Q004–Q006","No federal amount-financed/APR equivalence."],["2 — Vehicle itemization/retention","Answered—text","C022–C023; Q031–Q032","No consumer record-access entitlement inferred."],["2 — Prohibited terms/holder notice/nonwaiver","Answered—text","C013, C053–C054","Full assignee affirmative recovery and electronic delivery held."],["2 — Federal disclosure incorporation","Partial","C024; B024","Complete TILA/Regulation Z inquiry required."],["3 — Current service-charge structure/history","Answered—state text","C025–C027, C076","General federal/preemption/construction boundaries retained."],["3 — Delinquency/default/collection fees","Answered—conditional","C028–C029; Q011","No universal closed-end numerical late-fee cap established."],["3 — Deferral charges","Partial—exact cap held","C038; Q021; B010","Obsolete incorporated subdivisions."],["3 — Insurance","Answered—retail clause only","C030","Full insurance rating, cancellation, refund, and anti-discrimination regimes open."],["3 — Vehicle documentary/administrative fees","Answered—exact statutes","C031–C032","Other title/registration fees excluded."],["3 — Ancillary products/GAP","Answered with exclusions","C033–C035, C065–C072","Institutional, federal, licensing/backing-insurance branches held."],["3 — APR/rounding/discretion","Bounded","Q005, Q012, Q039–Q040","No APR calculation or unstated rounding convention."],["4 — Payment statements/card credits","Answered—text","C021, C042","No universal goods-return right."],["4 — Full prepayment/rebate","Partial—state relation verified","C036–C037; Q020","Low-original-charge interaction and federal constraints held."],["4 — Deferral/refinancing","Partial","C038–C039; B010–B011","Exact obsolete-reference reconciliation remains."],["4 — Oversized installment/consolidation","Answered—conditional","C040–C041","Qualitative standards/security validity held."],["4 — Cancellation","Answered with telephone hold","C043–C046","No universal motor cancellation; other state/federal grounds not completed."],["4 — Conditional vehicle acceptance","Answered—text","C047–C051","No actual acceptance, tender, misrepresentation, or return determination."],["4 — Default/acceleration/cure","Partial—narrow UCC rule","C052; B016","No universal notice/cure regime; Article9 and full Article2 remedies separate."],["5 — Assignment/claims/defenses","Answered—text","C011, C013, C053","Affirmative recovery/holder-rule construction open."],["5 — Nonwaiver/unconscionability","Answered—text","C054–C055","No actual invalidity or judicial finding."],["5 — Error/charge forfeiture/recovery","Answered—conditional formula","C056–C058; Q034","Liability, offset, stacking, award and causation held."],["5 — Action-specific timing","Answered—text only","C059, C063; Q033, Q037","No P3 rerun, actual deadline, or tolling analysis."],["5 — Public enforcement/penalties","Answered with sentencing hold","C060–C064","General criminal sentencing, full CPA and agency hearing process open."],["6 — True leases/rental-purchase/housing/business/agriculture","Gateways only; full regimes excluded","B004, B027","Separate complete generic inquiries required."],["6 — Licensing/title/Article9","Excluded except exact interfaces","B003, B015","No permission, repossession, perfection, priority, or title outcome."],["6 — Federal regimes","Held","B021–B024","TILA/Z, FTC Holder/cooling-off, MLA, SCRA, bankruptcy, reporting, collection, preemption."],["6 — Insurance/disability/privacy/local/tribal/interstate","Excluded/held","B027–B030","Separate scope, definitions, exceptions, and remedies required."],["6 — Judicial construction","Deliberately uninvestigated","All held branches","No cases/opinions/dockets searched."],["7 — Current operative bodies/read bounds","Answered for listed sources","S001–S015, S037, S045","Unlisted clauses are not represented as read."],["7 — Material original amendments/effect/application","Substantially authenticated, bounded","S016–S042","Specific older-act and transition gaps preserved."],["7 — 2023/2025/2026 and prospective changes","Checked with limits","C078–C080; S031–S044","Report cutoffs do not prove no later uncodified change."],["7 — Failed routes/alternative access","Documented below","Failure log","Recovery closes only the exact section/order access gap."],["Registry dimension 6 overall","Open","This component only","Other secured/sector components, federal interfaces, and construction remain separate."],["Earlier P1/P2 findings and all other passes","Unchanged; not substantive premises","Supplied scope context only","No repair, acceptance, or closure implied."]]},{"headers":["Read group","Actual work completed","Evidence boundary"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Read group","Actual work completed","Evidence boundary"],["Governing framework","Individually opened and read every S001 section listed in §5.1, including complete relied-on exceptions, notes, and credits.","Chapter index was not substituted for bodies; .123 excluded."],["Cross-regime classification","Read S002–S004 sale/usury, consumer-lease, and lease-purchase provisions.","Other loans/leases/rental-purchase obligations not completed."],["Vehicle overlay","Read complete listed S005 sections, fees S006–S007, and secondary-product/control incorporations S008–S009.","Licensing, title records, actual providers, and private policies not investigated."],["Ancillary GAP","Read complete listed S010 provisions, current WAC chapter S012, OIC rule authority S015, and permanent order S042.","No actual waiver, insurer, assignee, registration, or eligibility examined."],["Default boundary","Read selected complete UCC scope/definition/acceleration clauses in S013–S014 and material transition originals S034–S035.","Full Article2/Article9, attached-property incorporation, and judicial construction held."],["Charge history","Read S016–S020, selected S021, and current application/savings clauses.","Historical rates were not applied as current law."],["Motor amendments","Read material original clauses in S022–S029 and S031, with effective/application texts identified in the register.","Other portions of those enactments were not represented as completed."],["2025/2026 changes","Read S032–S033, S038–S039, relevant affected-section entries S043–S044, and present codification.","Negative index searches are limited evidence."],["Rule status","Read current DOL rule, its permanent adoption, filing history, and actual withdrawal notice S040–S041.","Proposed 2025 body not read or applied."],["Telephone incorporation","Read original 1989 §3 definitions/exclusions and amendment/effective clauses; read complete current 19.158.020.","Incorporation issue remains held."],["Final verification","Reopened complete .080, .090, .180, .158, .010, .040, .130, .154, .120, .165, .156, .043, .140, .152, .110, .020, .150, .167; relevant vehicle/GAP/lease/usury clauses; complete DOL rule continuations.","These are verification reads of the same instruments, not independent corroboration."]]},{"headers":["Search group","Queries used"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Search group","Queries used"],["Governing statutes","site:app.leg.wa.gov/rcw \"63.14\" \"retail installment\"; site:app.leg.wa.gov/rcw \"motor vehicle\" \"retail installment contract\"; site:app.leg.wa.gov/rcw \"motor vehicle\" \"installment sales\""],["Usury and default interfaces","site:app.leg.wa.gov/rcw \"19.52\" \"63.14\" \"shall not\"; site:app.leg.wa.gov/RCW \"63.14\" \"default\" \"cure\""],["Administrative rules","site:app.leg.wa.gov/wac \"retail installment\" \"vehicle\"; site:app.leg.wa.gov/wac \"dealer\" \"financing\" \"agreement\"; site:app.leg.wa.gov \"63.14\" \"WAC\""],["Rule adoption/status","site:lawfilesext.leg.wa.gov \"15-16-125\" \"308-66-152\"; site:lawfilesext.leg.wa.gov/law/wsr/2010 \"10-02-111\""],["GAP","site:app.leg.wa.gov/wac \"guaranteed asset protection\" waiver"],["Recent amendments","site:leg.wa.gov \"2026\" \"63.14\" amendments; site:leg.wa.gov \"2026\" \"RCW\" \"Sections Affected\"; site:app.leg.wa.gov/rcw \"63.14\" \"2025\" \"2026\""],["Specific discovered amendments","site:app.leg.wa.gov/rcw \"2025 c 228\" \"46.70\"; site:lawfilesext.leg.wa.gov \"2026\" \"Chapter 186\" \"motor\""],["In-document searches","Relevant current sections and statutory credits; affected-section reports searched for 63.14, 19.52, 46.70, 48.160, 46.96, and where relevant 48.31B; neighboring entries and report dates then read."]]},{"headers":["Material / route","Treatment"],"index":16,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14"},{"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/"},{"href":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152"},{"href":"https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf?utm_source=chatgpt.com","text":"https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=63.14"}],[{"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/"}],[{"href":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152"}],[{"href":"https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf?utm_source=chatgpt.com","text":"https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf"}],[],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102"}],[],[]],"rows":[["Material / route","Treatment"],["Chapter index: https://app.leg.wa.gov/RCW/default.aspx?cite=63.14","Navigation only; not evidence of operative wording."],["Affected-section index: https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/","Navigation to official 2025/2026 reports."],["DOL filing index: https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=308-66-152","Filing entries read for discovery/status; actual adoption and withdrawal separately opened."],["Historical Title 63 PDF: https://leg.wa.gov/media/v2xcwphs/title-63-rcw.pdf","Search discovery only; not opened or used as current law."],["Other combined-code/archive search hits","Not relied on; no operative conclusion based on snippets or titles."],["WAC 308-66-165: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-165","Body read; concerns renewal/reporting counts, not the requested retail-credit consumer terms. Excluded from findings."],["RCW 62A.11-102: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.11-102","Body read; older transition provision, not the 2023 transition sought. Actual 2023 session-law clauses were subsequently read instead."],["WSR 25-04-119 proposal","Identified through filing/withdrawal material; proposal body not read, not current law."],["Incidental neighboring statutory text","Not converted into coverage of taxes, mobile-home financing, securities, full licensing, or other sectors."]]},{"headers":["Failure ID","Fresh failed route","Different ordinary official route and result","Remaining limitation"],"index":17,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true"},{"href":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070","text":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true"}],[{"href":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070","text":"https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true"}],[]],"rows":[["Failure ID","Fresh failed route","Different ordinary official route and result","Remaining limitation"],["F001","https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.120 did not return a readable body.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true supplied complete .120(1)–(8), credits, and notes.","Exact section access gap resolved; no general website-failure inference."],["F002","https://app.leg.wa.gov/WAC/registerfiling.aspx?cite=284-160-070 did not return a readable filing index.","Ordinary official search located https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm; complete adoption/order text read.","Filing-index route remains unread; current rule and identified adoption were authenticated separately."],["F003","https://app.leg.wa.gov/RCW/default.aspx?cite=48.02.060 did not return a readable section body.","https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true supplied complete .060(1)–(7).","Exact operative-section gap resolved only."],["F004 — presentation, not site failure","Some long results initially stopped before the end of the relevant body.","Targeted continuations exposed the missing relied-on paragraphs.","Output truncation was not described as statutory absence or public-site inaccessibility."]]}],"claims":[{"claim_id":"S_WA-P11-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C001","Precise assertion, conditions, and exceptions":"Chapter 63.14 covers defined goods and services purchased primarily for personal, family, or household use. Goods exclude money and generally things in action, but include the specified seller certificates/coupons and goods becoming fixtures. Services exclude the specified legally regulated-price services.","Sources and exact pinpoints; confidence":"S001 .010(2), (16); S021 §1152. Text verified. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C002","Precise assertion, conditions, and exceptions":"“Person” includes individuals and organized entities; buyer and seller are separately defined, and the seller must be engaged in the business of selling goods or services to retail buyers. The read retail definitions are not restricted to natural-person buyers.","Sources and exact pinpoints; confidence":"S001 .010(6), (9), (13). Text verified; purpose remains indispensable."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C003","Precise assertion, conditions, and exceptions":"The contract, retail-charge, and lender-card definitions use “entered into or performed” in Washington. The lender-card definition separately requires a cardholder residing in Washington. No general sale-price ceiling appears in these retail-transaction definitions.","Sources and exact pinpoints; confidence":"S001 .010(3)–(4), (10)–(12). Text verified; no complete territorial or conflicts conclusion."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C004","Precise assertion, conditions, and exceptions":"A retail installment transaction requires either a service charge with unpaid principal payable in one or more installments, or no service charge with unpaid balance payable in more than four installments.","Sources and exact pinpoints; confidence":"S001 .010(12); S018 §1. Text verified. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C005","Precise assertion, conditions, and exceptions":"A retail installment contract is distinct from a retail-charge or lender-card agreement. It may include a conditional sale or chattel mortgage; classification does not establish valid security, attachment, perfection, priority, or default.","Sources and exact pinpoints; confidence":"S001 .010(10)–(11); S021 §1152. Text verified; security issues excluded."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C006","Precise assertion, conditions, and exceptions":"A bailment/lease may fall within the contract definition when compensation is substantially equivalent to or exceeds goods value and ownership is mandatory or available for no or nominal additional consideration. The statute expressly excludes consumer leases, specified otherwise-consumer leases, and chapter 63.19 lease-purchase agreements.","Sources and exact pinpoints; confidence":"S001 .010(11), complete; S003; S004. Text verified; classification interaction held where ambiguous."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C007","Precise assertion, conditions, and exceptions":"The consumer-lease definition generally requires a natural person, personal/family/household purpose, duration exceeding four months, and obligation not exceeding $25,000; the dollar ceiling does not apply to motor-vehicle consumer leases. Agricultural/business/commercial, governmental, organizational, retail-installment, and lease-purchase exclusions remain material.","Sources and exact pinpoints; confidence":"S003 .020(4)–(6), complete. Residual-value liability alone does not defeat consumer-lease status. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C008","Precise assertion, conditions, and exceptions":"Chapter 63.19’s lease-purchase definition uses an initial term of four months or less, renewable payments, no obligation beyond the initial term, and an ownership option. Its separation from retail-sale/security/usury law is conditioned on compliance with that chapter. Automobile leases are expressly excluded, as are the other categories in .020(2).","Sources and exact pinpoints; confidence":"S004 .010 and .020, complete. Full rental-purchase obligations excluded. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C009","Precise assertion, conditions, and exceptions":"Defined financial-institution cards are outside chapter 63.14 except .167; the statute refers them to chapter 19.52. A qualifying lender-card agreement under .125 may not provide a security interest in goods or real property.","Sources and exact pinpoints; confidence":"S001 .010(1), (3)–(4), .125, .165–.167. Text verified; federal/institutional overlay held. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C010","Precise assertion, conditions, and exceptions":"RCW 19.52.100 excludes qualifying chapter 63.14 transactions whether or not construed as loans or forbearances. Section .120 separately excludes deferred-payment goods/services sales despite the eight listed financing-related events, including assignment arrangements, supplied forms/rate information, credit evaluation, negotiation assistance, transfers, and affiliated services.","Sources and exact pinpoints; confidence":"S002 .100; .120(1)–(8), complete. This does not classify an independent loan as a sale. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C011","Precise assertion, conditions, and exceptions":"Assignment does not change a qualifying transaction’s retail-installment character. Charges by an assignee to the seller-assignor are not limited by the identified retail/usury provisions; that is not authority for an additional buyer charge. The two provisions’ retained-duty wording differs and is not silently harmonized here.","Sources and exact pinpoints; confidence":"S001 .145; S002 .130(1), complete. Text verified; .130(2)’s federal cash-discount incorporation held."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C012","Precise assertion, conditions, and exceptions":"Special dog/cat provisions depart from ordinary recovery rules: .127 addresses live-dog/cat collateral contracts; .220 makes purchase installment transactions entered on or after July 23, 2023 void and bars collecting principal, interest, or charges. The 2019 act also contains specific ownership/refund and unsecured-loan qualifications.","Sources and exact pinpoints; confidence":"S001 .127, .220; S028 §§2, 5–6; S029 §5. These exceptions are not generalized to other goods. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C013","Precise assertion, conditions, and exceptions":"A retail installment contract ordinarily must be one document containing the entire agreement and debt evidence, subject to .050, .060, and .110. A separate mortgage-secured note is permitted with reciprocal references, but assignment/negotiation must not cut off seller-related buyer claims or defenses, and the instrument must say so.","Sources and exact pinpoints; confidence":"S001 .020, first paragraph, complete. Separate improvement-mortgage permission and FHA improvement exclusion are boundaries, not mortgage findings. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C014","Precise assertion, conditions, and exceptions":"The contract must be dated, buyer-signed, and complete as to essential provisions, subject to .060–.070. Printed/typed provisions, excluding completion instructions, require at least eight-point type. Essential blanks generally cannot remain at signature; .070 permits specified later-delivery information.","Sources and exact pinpoints; confidence":"S001 .020 final paragraph; .070, complete. Electronic-signature equivalence held."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C015","Precise assertion, conditions, and exceptions":"The seller generally must deliver a copy at signing, subject to .060. Later acceptance requires mailing an accepted copy or memorandum. Until the seller complies, the buyer is obligated only for the sale price. A receipt acknowledgment must meet the specified ten-point boldface placement requirement.","Sources and exact pinpoints; confidence":"S001 .030, complete. Text verified; this is not a general declaration that the transaction is void."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C016","Precise assertion, conditions, and exceptions":"The agreement must state the parties, relevant addresses, goods/services identification, and the ordered amount categories in .040(1)(a)–(j). The prescribed buyer notice requires at least ten-point boldface immediately above the signature space, with the subsection-specific cancellation qualification.","Sources and exact pinpoints; confidence":"S001 .040(1)–(2), complete; S022 §2. Q004–Q008 preserve the amount and typography distinctions. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C017","Precise assertion, conditions, and exceptions":"The payment-schedule disclosure has an exception for equal scheduled installments where the final installment does not substantially exceed preceding installments. The first due date may be expressed by date or by reference to contract, delivery, or installation events.","Sources and exact pinpoints; confidence":"S001 .040(1)(j), complete. “Substantially” is not assigned a numerical value."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C018","Precise assertion, conditions, and exceptions":"The mail/telephone order exception depends on catalog/printed-solicitation conditions and absence of in-person solicitation. Required information must be supplied before the first installment is due; when the catalog omitted the required terms, the memorandum must precede or accompany delivery/services.","Sources and exact pinpoints; confidence":"S001 .060, complete. It is not a blanket remote-sale exemption."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C019","Precise assertion, conditions, and exceptions":"A qualifying multipurchase arrangement may use supplemental slips/books/statements. Subsequent-purchase consolidation may use the statutory memorandum instead of repeating .020–.040, but must contain the required old/new/consolidated information and be delivered before the first consolidated installment is due.","Sources and exact pinpoints; confidence":"S001 .050; .110(1), complete. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C020","Precise assertion, conditions, and exceptions":"Retail-charge/lender-card rate, balance, and full-payment information must be supplied at or before agreement; oral initial disclosure requires a memorandum upon credit approval. A statement is due promptly after each agreed monthly/regular period with an unpaid balance. Retail-charge agreements also require the statutory notice.","Sources and exact pinpoints; confidence":"S001 .120(1)–(3), complete. Its older notice text does not resolve the later motor-vehicle exclusion. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C021","Precise assertion, conditions, and exceptions":"Cash payment requires a written receipt. On written request, the holder must state payment dates/amounts and unpaid total; the first statement is free and later statements may cost no more than $1 each.","Sources and exact pinpoints; confidence":"S001 .100, complete. No response-day deadline was supplied by this section."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C022","Precise assertion, conditions, and exceptions":"For the covered vehicle sale, the seller must give a signed written itemization of financing, insurance, taxes, and other charges before execution/consummation. The title-application exception does not dispense with other required transaction documents.","Sources and exact pinpoints; confidence":"S005 .130(1)–(2), complete. No title application or transaction document examined."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C023","Precise assertion, conditions, and exceptions":"Dealer records must generally be retained at least five years. Paper/electronic and offsite-storage alternatives have separate conditions, including the director-request production period. These are regulatory record duties, not a general consumer inspection entitlement.","Sources and exact pinpoints; confidence":"S005 .120, complete; S027 §1. Q031 gives exact periods."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C024","Precise assertion, conditions, and exceptions":"Chapter 63.14’s disclosure requirements are deemed satisfied when the transaction complies with TILA and implementing regulations as in force at execution. This is a conditional state disclosure provision, not verified federal compliance or a waiver of every substantive state rule.","Sources and exact pinpoints; confidence":"S001 .151, complete. Federal incorporation held."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C025","Precise assertion, conditions, and exceptions":"The current closed-end service charge may not exceed the dollar amount or rate agreed to and disclosed. Revolving/charge/lender-card service charges may not exceed the agreed disclosed schedule or rate.","Sources and exact pinpoints; confidence":"S001 .130(1)–(2); S016 §1; S017 §§1–5. No separate current numerical rate ceiling is supplied by this clause. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[3],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C026","Precise assertion, conditions, and exceptions":"The service charge includes charges incident to investigating/making the contract or charge agreement and the installment-payment privilege. The opening paragraph bars additional charges for those matters except the specifically referenced vehicle administrative and documentary fees.","Sources and exact pinpoints; confidence":"S001 .130 opening paragraph; S021 §1153. Definitions excluding an item from “service charge” do not independently authorize it."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[0,3],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C027","Precise assertion, conditions, and exceptions":"For the agreements listed in .130(2), a monthly computed service charge below $1 may be increased to $1.","Sources and exact pinpoints; confidence":"S001 .130(2). This is not a closed-end setup fee or a universal minimum finance charge."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[3],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C028","Precise assertion, conditions, and exceptions":"Delinquency/collection charges, attorney fees, court costs, and disbursements require agreement authorization and must be reasonable. An attorney fee is unavailable under this clause unless collection is referred to an attorney who is not the holder’s salaried employee.","Sources and exact pinpoints; confidence":"S001 .090(1)–(2), complete. No general fixed closed-end late-fee ceiling established. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[2],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C029","Precise assertion, conditions, and exceptions":"The special delinquency formula is limited to retail-charge/lender-card accounts satisfying .090(3): minimum payment received within the following ten days, prior thirty-day average balance below $100, and the stated more-than-thirty-days-overdue exclusion. The cap is 10% of that average, with a permitted minimum up to $2.","Sources and exact pinpoints; confidence":"S001 .090(3); S020 §1. It is not a general grace period or a closed-end vehicle-contract cap."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[2],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C030","Precise assertion, conditions, and exceptions":"Included insurance requires disclosures of nature, purpose, term, amount, and procuring party, plus the vehicle-liability exclusions statement when applicable. The amount is limited to insurer-fixed premiums, subject to the text’s below-$1 exception. Seller/holder procurement triggers the forty-five-day document/notice duty.","Sources and exact pinpoints; confidence":"S001 .140(1)–(4), complete. No invented rounding rule or general insurance refund rule. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C031","Precise assertion, conditions, and exceptions":"A dealer documentary service fee is optional and negotiable, capped at $200 per sale/lease, and subject to written advance disclosure, conspicuous negotiability disclosure, separate designation, and advertisement requirements. It cannot be represented as state-required.","Sources and exact pinpoints; confidence":"S005 .180(2), complete; S024 §211(2), §511. Effective change verified July 1, 2022. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[14],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C032","Precise assertion, conditions, and exceptions":"The referenced administrative amount is a $2.50 dealer share of the $6.50 emergency medical services fee under the specified title-application transactions. It is not an additional $2.50 on top of that fee. The total-loss qualification remains material.","Sources and exact pinpoints; confidence":"S006 .110(1)–(2); S007 .440(1)–(2); S021 §§509, 820. Full title-fee coverage excluded."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C033","Precise assertion, conditions, and exceptions":"A lender sharing common control with a brand owner cannot condition acceptance of assignment on purchase of a secondary product from a particular provider, administrator, or insurer. The statute designates a CPA/public-interest consequence.","Sources and exact pinpoints; confidence":"S001 .043(2)–(3); S008 .196(4); S023 §2. Full CPA elements/remedies held. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C034","Precise assertion, conditions, and exceptions":"The incorporated control definition concerns actual power to direct management/policies and includes a rebuttable voting-control presumption. The disclaimer process has its own complete-application, disallowance, and hearing qualifications.","Sources and exact pinpoints; confidence":"S009 .005(3), .025(11), complete; Q015. No actual affiliation or control finding."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C035","Precise assertion, conditions, and exceptions":"A motor-vehicle installment contract meeting the identified state and applicable federal requirements must be accepted for consideration by an applied-to lender, except lenders both licensed and regulated under chapter 31.04.","Sources and exact pinpoints; confidence":"S001 .043(1), complete. This is not mandatory credit approval or proof of conformity."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C036","Precise assertion, conditions, and exceptions":"Before final maturity, a buyer whose purchaser rights have not been terminated or forfeited may prepay the full unpaid time balance and receive the statutory unearned-service-charge credit.","Sources and exact pinpoints; confidence":"S001 .080, complete; S019 §5. This is full prepayment, not a universal arrears-only cure. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[1],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C037","Precise assertion, conditions, and exceptions":"The state refund relation uses periodic time balances, subject to four minimum-earned-charge tiers and the below-$1 refund exception. The interaction where the original service charge is below a tier minimum is not resolved by inventing a zero floor, negative refund, or additional charge.","Sources and exact pinpoints; confidence":"S001 .080; S019 §5. Exact relations in Q020; federal and construction dependencies B009."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[1],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C038","Precise assertion, conditions, and exceptions":"An agreed extension/deferral requires a written acknowledgment sent or delivered before a charge is made. The permitted base and interval are stated, but the cap points to obsolete .130 subdivisions; the reviser flags the error. Additional continuation-insurance cost remains subject to .140.","Sources and exact pinpoints; confidence":"S001 .156, complete; S019 §§8, 13; S016. Exact current incorporated cap held. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[6],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C039","Precise assertion, conditions, and exceptions":"Refinancing requires written agreement and the listed disclosures. Its charge base includes the amount refinanced and qualifying additional insurance/official fees, less the prepayment-equivalent credit without minimum-earned retention; the rate refers to .130. Consolidation invokes .110.","Sources and exact pinpoints; confidence":"S001 .158, complete; S019 §14. The obsolete .080(1)(d) reference is separately held, without deleting the express no-minimum instruction. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[7],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C040","Precise assertion, conditions, and exceptions":"When an installment exceeds twice the average of preceding installments, default on that installment triggers the specified rescheduling right. Without agreement, new installments may not be substantially greater than the prior average. The seasonal/irregular-income-or-employment exception remains.","Sources and exact pinpoints; confidence":"S001 .159, complete. No numerical substitute for “substantially greater.”"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C041","Precise assertion, conditions, and exceptions":"Where consolidation includes seller-retained title/security, prior payments, the new downpayment, and later payments have distinct statutory allocations. Later payments ordinarily follow original cash-sale-price ratios; the installment-increase alternative and attached-goods/services exception are material.","Sources and exact pinpoints; confidence":"S001 .110(2)(a)–(c), including final exception. Q024. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C042","Precise assertion, conditions, and exceptions":"When a separate seller accepts a card-financed return/service credit, the seller and issuer have separate seven-working-day transmission and three-working-day credit duties. Delay-caused service charges are excluded, and annual cardholder notice has its own interval limits.","Sources and exact pinpoints; confidence":"S001 .167(1)–(4), complete. This does not create a general right to return goods. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C043","Precise assertion, conditions, and exceptions":"For a qualifying nonvehicle off-premises solicitation transaction, .154 specifies cancellation by certified-mail, return-receipt-requested notice posted by the stated third-day midnight cutoff, coupled with the goods-return/availability condition.","Sources and exact pinpoints; confidence":"S001 .154(1)–(2); S022 §3. Telephone incorporation qualified by C046."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[5],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C044","Precise assertion, conditions, and exceptions":"Cancellation under .154 requires automatic refund of deposits within ten days, return of trade-ins subject to reasonable actual ready-for-sale costs, and return/availability of received goods in original condition; no additional cancellation liability is imposed.","Sources and exact pinpoints; confidence":"S001 .154(2), complete. Not a rule for every cancellation or prepayment. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[5],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C045","Precise assertion, conditions, and exceptions":"Section .154 does not apply to retail installment purchases of motor vehicles. Its offsite dealer-sale clause requires written disclosure that .154 supplies no cancellation right. The .040 notice exception separately refers to sale by a licensed vehicle dealer.","Sources and exact pinpoints; confidence":"S001 .154(3), .040(2) final paragraph; S022 §§2–3. No conclusion about other cancellation grounds."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[5],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C046","Precise assertion, conditions, and exceptions":"The cancellation statute expressly incorporates commercial telephone solicitation “as defined by chapter 20, Laws of 1989.” The original definition/exclusions and current amended .020 were read, but which later wording is incorporated remains unresolved.","Sources and exact pinpoints; confidence":"S036 §3, §18; S037 .020. Construction held, not a universal telephone-sale right."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[5],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C047","Precise assertion, conditions, and exceptions":"For a conditional/future-acceptance vehicle agreement, the dealer must communicate unconditional acceptance or rejection/tender within the statutory bushing period and before further negotiations. Rejection voids the agreement subject to specified surviving reasonable return/damage/mileage/lawful-fee terms; tender may be conditioned on vehicle return.","Sources and exact pinpoints; confidence":"S005 .180(4)(a); S025 §1(4)(a); S026 §2. Q028."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[15],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C048","Precise assertion, conditions, and exceptions":"Bushing communication may use the enumerated supplied email/phone, voice/text, in-person, conditionally available first-class-mail, or agreed/approved means. The statute makes it effective on execution, mailing, or sending—not a universal receipt rule.","Sources and exact pinpoints; confidence":"S005 .180(4)(a), final sentence; S025 §1(4)(a), complete. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[15],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C049","Precise assertion, conditions, and exceptions":"The bushing clause preserves the specified material-misrepresentation branch only with its dealer/staff knowledge-and-participation qualifications.","Sources and exact pinpoints; confidence":"S005 .180(4)(a), complete. No misrepresentation, contractual remedy, or Article9 entitlement is established here."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[15],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C050","Precise assertion, conditions, and exceptions":"Trade-in allowance renegotiation is limited to listed title-brand, undiscoverable substantial-damage/latent-defect, additional-mileage, or mileage-discrepancy grounds. “Excessive additional miles” means at least 500 between valuation and delivery.","Sources and exact pinpoints; confidence":"S005 .180(4)(b); S025 §1(4)(b). Title-brand incorporations held."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[15],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C051","Precise assertion, conditions, and exceptions":"The vehicle-deposit clause imposes trust handling until delivery, with specified evidence-of-intent rules and an alternative separate-trust arrangement. Manufactured-home delivery and loan/installment-payment qualifications are separate.","Sources and exact pinpoints; confidence":"S005 .180(9), complete. Q030; manufactured-home incorporation held. No universal actual-liability inference."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[16],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C052","Precise assertion, conditions, and exceptions":"For a transaction within the relevant UCC scope, an at-will/insecurity acceleration term permits acceleration only on a good-faith belief that payment/performance is impaired; the statute assigns the burden of proving lack of good faith to the opposing party.","Sources and exact pinpoints; confidence":"S013 .1-102, .1-201(a), (b)(20), .1-309; S014 .2-102, .2-105(1), .2-106(5). No universal default notice or cure right established."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C053","Precise assertion, conditions, and exceptions":"A buyer’s contractual waiver of sale-related claims/defenses against seller or assignee is invalid. A clause submitting to suit outside the signing, residence, or principal-business county is also invalid under the section.","Sources and exact pinpoints; confidence":"S001 .150, complete; .020 note proviso. This is not a complete venue or personal-jurisdiction rule. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[4],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C054","Precise assertion, conditions, and exceptions":"A buyer’s act or agreement before or at making the contract, or at a purchase under a charge/card agreement, cannot waive chapter 63.14 or its remedies.","Sources and exact pinpoints; confidence":"S001 .160, complete. No broader post-dispute waiver conclusion supplied."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[8],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C055","Precise assertion, conditions, and exceptions":"On finding a contract/clause unconscionable when made, a court may refuse enforcement, enforce the remainder, or limit application; the parties must have a reasonable evidentiary opportunity. An expressly permitted charge/practice is not by itself unconscionable.","Sources and exact pinpoints; confidence":"S001 .136; S017 §4, complete. No actual unconscionability finding."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C056","Precise assertion, conditions, and exceptions":"Noncompliance/violation, except accidental or bona fide error, bars recovery of the listed service/official/delinquency/collection charges while preserving the stated cash-price and insurance-cost recovery.","Sources and exact pinpoints; confidence":"S001 .180 first sentence, complete. This is not automatic erasure of every obligation. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[9],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C057","Precise assertion, conditions, and exceptions":"Excess service charges, except accidental or bona fide error, invoke the statutory recovery relation: twice service charges paid, plus contracted unpaid service charges, plus costs and reasonable attorney fees. The resulting cash-price reduction reduces future principal installments pro rata.","Sources and exact pinpoints; confidence":"S001 .180 proviso and final paragraph; S019 §10 history identified, current text relied on. Q034; no actual award or stacking conclusion."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[9],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C058","Precise assertion, conditions, and exceptions":"The 1993 remedial provision bars the listed remedies where the conduct is not a violation as amended by that act, including specified defensive and appellate uses.","Sources and exact pinpoints; confidence":"S001 .175, .922; S018 §§3–5. Full historical judicial construction held."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C059","Precise assertion, conditions, and exceptions":"The excess-service-charge declaratory action has specified parties and a cutoff tied to the earlier of two six-month reference events. An unsuccessful buyer faces discretionary defense fees/costs only if the action was frivolously commenced.","Sources and exact pinpoints; confidence":"S001 .152, complete. Its 1967-act reference and relationship to other claims remain held; Q033 is not a general limitation rule. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C060","Precise assertion, conditions, and exceptions":"Section .170 states a willful-and-intentional misdemeanor and its own fine/imprisonment language; order violation is prima facie evidence.","Sources and exact pinpoints; confidence":"S001 .170, complete. General criminal classification/sentencing incorporation not completed; Q035 reports section text, not an exhaustive current sentencing conclusion."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C061","Precise assertion, conditions, and exceptions":"The AG/prosecutor may pursue the specified injunction. An AG written assurance requires court approval in the designated venue and prosecutor consent when the specified action is pending; breach has the stated prima-facie consequence.","Sources and exact pinpoints; confidence":"S001 .190–.200, complete. Public authority is distinct from an individual recovery entitlement."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C062","Precise assertion, conditions, and exceptions":"Violation of a qualifying injunction/order may produce a civil penalty up to $1,000, sought by the AG in the issuing court.","Sources and exact pinpoints; confidence":"S001 .210, complete. No automatic private award."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C063","Precise assertion, conditions, and exceptions":"RCW 46.70.190 permits its specified business/property-injury action in superior court for actual damages, injunction, costs, and reasonable attorney fees, subject to its one-year provision.","Sources and exact pinpoints; confidence":"S005 .190, complete. Dealer/manufacturer federal-franchise overlap paragraphs were read but are outside this consumer-credit component. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C064","Precise assertion, conditions, and exceptions":"Chapter 46.70 has a CPA/public-interest linkage. Its civil-construction provision cannot be converted into a claim that every .180 violation is noncriminal: .180(5) contains an express odometer felony branch.","Sources and exact pinpoints; confidence":"S005 .270, .310, .180(5). Full CPA and criminal regimes held."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C065","Precise assertion, conditions, and exceptions":"Chapter 48.160 excludes insurance policies and specified federal/state financial institutions and consumer-loan companies, while allowing the specified exempt institutions to elect compliant waivers.","Sources and exact pinpoints; confidence":"S010 .001(1)–(3), complete. Federal institutional incorporations and actual exemption status held. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C066","Precise assertion, conditions, and exceptions":"A GAP waiver is the defined separately charged agreement to waive specified financed obligations upon covered total loss/theft, forming part of/addendum to the finance agreement. Its motor-vehicle definition is broader than ordinary automobiles and includes personal/commercial categories. The free-look period is at least thirty days from effectiveness.","Sources and exact pinpoints; confidence":"S010 .010, complete. It is not a blanket insurance or retail-sale classification."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[10],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C067","Precise assertion, conditions, and exceptions":"GAP may use single or periodic payments, but purchase cannot condition credit, credit terms, or related vehicle sale/lease terms. The separate-cost/non-finance-charge treatment is expressly conditioned on TILA compliance.","Sources and exact pinpoints; confidence":"S010 .030(1)–(6), complete. Federal classification held. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[11],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C068","Precise assertion, conditions, and exceptions":"GAP requires clear written disclosures including price, coverage/limitations, benefit procedures, cancellation/refund method, conditional written-request timing, potential balance credit, optionality, and noninsurance status.","Sources and exact pinpoints; confidence":"S010 .050(1)–(10), complete. Disclosure does not prove assent or benefit/refund entitlement."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[12],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C069","Precise assertion, conditions, and exceptions":"The waiver remains part of the finance agreement after transfer. Assignment and changed benefit-contact information trigger separate thirty-day mailing duties; registration/exemption/authorization qualifications also apply. The rule requires U.S. mail, allowing electronic notice additionally.","Sources and exact pinpoints; confidence":"S010 .030(5), (9); S012 -070; S042. No actual assignee authorization established."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[11],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C070","Precise assertion, conditions, and exceptions":"Free-look cancellation yields a full refund if no benefits were provided; otherwise waiver terms govern full/partial refund. After free look, cancellability and unearned refund are conditional, and the statute specifies a written request within ninety days of finance-agreement termination.","Sources and exact pinpoints; confidence":"S010 .060(1)–(2), complete. No universal automatic post-free-look refund. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[13],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C071","Precise assertion, conditions, and exceptions":"A refund due upon default/repossession may go to creditor/administrator; a financed waiver’s cancellation refund may reduce the overall financed obligation, with required prior disclosure.","Sources and exact pinpoints; confidence":"S010 .060(3)–(5), .050(8). This does not guarantee cash payment to the buyer."},"coordinator_verification_status":"selected_current_text_portions_supported_original_history_otherclauses_construction_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[12,13],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C072","Precise assertion, conditions, and exceptions":"When a refund is due and payable to the borrower, the current obligor must pay it rather than redirecting the borrower to a prior obligor. Waiver records have the specified agreement-duration-plus-two-years retention period.","Sources and exact pinpoints; confidence":"S012 -080, -090, complete; -020 definitions. Q019."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C073","Precise assertion, conditions, and exceptions":"The currently displayed DOL unlawful-practices rule retains the 2015 permanent adoption. The 2025 proposed amendment identified in the filing history was withdrawn.","Sources and exact pinpoints; confidence":"S011; S040; S041. Proposal text not relied on as law."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C074","Precise assertion, conditions, and exceptions":"The OIC permanent GAP order was filed/effective January 6, 2010, although its rule applicability text names January 1, 2010.","Sources and exact pinpoints; confidence":"S012 -010; S042 adoption order. Historical January 1–5 operation held; no present-day repeal inferred."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C075","Precise assertion, conditions, and exceptions":"The 1967 and 1981 provisions contain distinct application/savings rules; current codification does not authorize applying every current clause to every older transaction.","Sources and exact pinpoints; confidence":"S001 .903, .921; S019 §17; S002 .900. Original 1981 enactments not fully authenticated here."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C076","Precise assertion, conditions, and exceptions":"The 1992 act replaced the former numerical service-charge structure; the 1995 act repealed the 1992 sunset and the rate-publication section, with application/savings provisions.","Sources and exact pinpoints; confidence":"S016 §§1–5, veto material; S017 §§1–5. Historical rate tables are not current ceilings."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C077","Precise assertion, conditions, and exceptions":"The motor-cancellation amendment became effective July 25, 2021; the documentary-fee increase to $200 became effective July 1, 2022.","Sources and exact pinpoints; confidence":"S022 §§2–3 and certified header; S024 §211(2), §511."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C078","Precise assertion, conditions, and exceptions":"Relevant 2025/2026 changes were separately checked: vehicle-dealer definition, GAP registration-fund provisions, and 2026 vehicle-licensing provisions. A separate speed-assistance dealer provision is future-effective January 1, 2029.","Sources and exact pinpoints; confidence":"S031–S033, S038–S039; S005 .011, .170, .360; S010 .020. No future clause applied now or licensing permission inferred."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C079","Precise assertion, conditions, and exceptions":"The narrow UCC acceleration and goods/hybrid findings are subject to the 2012 and 2023 application/savings texts. The 2023 amendments became effective January 1, 2024; specialized Article9/12 transition branches were not completed.","Sources and exact pinpoints; confidence":"S034 §§123, 1803–1806; S035 §§201–202, 1101–1104, 1201–1204."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C080","Precise assertion, conditions, and exceptions":"Currentness was checked against public codification and the dated 2025/2026 affected-sections reports. Negative report searches do not establish absence of later or uncodified change.","Sources and exact pinpoints; confidence":"S043–S044; currentness log. This is an evidence limitation, not a legal no-change finding."},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}},{"claim_id":"S_WA-P11-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P11-C081","Precise assertion, conditions, and exceptions":"DOL’s rule independently requires the listed accompanying disclosures when specified payment/credit terms are advertised and restricts adding unauthorized items to an advertised price. Its APR disclosure language is not itself a rate ceiling.","Sources and exact pinpoints; confidence":"S011 -152(4)(j)–(k), (5)–(6), complete; S040. Other advertising branches were read but not turned into a full advertising report. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_text_reviewed_source_assertion_not_freshly_verified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_body_scope_indices":[],"full_claim_primary_accepted":false,"all_original_conditions_holds_andhistory_retained":true,"material_findings":[],"correction_sent":false}}],"sources":[{"source_id":"S_WA-P11-S001","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925","https://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926"],"researcher_record":{"Source ID":"S_WA-P11-S001","Verbatim complete visible source and usage section":"5.1 Current codified chapter 63.14 — S_WA-P11-S001\n\nIssuer: Washington Legislature / Code Reviser.\nInstrument: Chapter 63.14 RCW, Retail Installment Sales of Goods and Services.\nStatus/access: Public current codification read October 28, 2026. Each listed operative section was read in full, with displayed credits and notes; the chapter index was discovery only. Section .123 was not read or relied upon because its privacy subject is outside this component.\n\nThe table records the latest displayed credit and material earlier credits used for this pass; it does not claim that every historical amending act was independently read.\n\nExact section / use\tLiteral HTTPS URL\tDisplayed credit / reading qualification\n.010 definitions\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.010\t2010 c161 §1152; material prior 2009 c334 §11, 1993 sp.s. c5 §1, 1992 c134 §16, 1983 c158 §7, 1981 c77 §1. All 17 definitions and notes read.\n.020 document, note, signature\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.020\t1967 c234 §1; 1963 c236 §2. Complete.\n.030 copy\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.030\t2012 c117 §166; 1981 c77 §2; 1967 c234 §2; 1963 c236 §3.\n.040 contents/notices\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.040\t2021 c201 §2; 2012 c117 §167; material 1999 c113 §2, 1981 c77 §3, 1967 c234 §3. Complete statutory blank notice read, not populated.\n.043 vehicle contracts/products\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.043\t2020 c174 §2; 2006 c288 §1.\n.050 multipurchase documents\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.050\t1963 c236 §5.\n.060 mail/telephone orders\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.060\t2012 c117 §168; 1967 c234 §4; 1963 c236 §6.\n.070 blanks\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.070\t1963 c236 §7.\n.080 prepayment\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.080\t2012 c117 §169; 1967 c234 §5; 1963 c236 §8.\n.090 delinquency/collection\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.090\t1993 c481 §1; 1984 c280 §2; 1963 c236 §9. All three subsections.\n.100 receipts/statements\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.100\t1963 c236 §10.\n.110 consolidation\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.110\t2012 c117 §170; 1999 c113 §3; 1967 c234 §6; 1963 c236 §11.\n.120 revolving/card information\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.120\t1984 c280 §3; material 1981 c77 §4, 1967 c234 §7. Complete notice and exceptions.\n.125 card security restriction\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.125\t1984 c280 §4.\n.127 dog/cat collateral\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.127\t2019 c340 §2.\n.130 service charges\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.130\t2010 c161 §1153; material 2003 c368 §3, 1999 c113 §4, 1997 c331 §7, 1992 c193 §1. Historical credits/notes read.\n.136 unconscionability\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.136\t1995 c249 §4; renumbering note read.\n.140 insurance\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.140\t2012 c117 §171; 1984 c280 §6; 1963 c236 §14.\n.145 assignment\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.145\t1993 sp.s. c5 §2.\n.150 claims/defenses/venue waiver\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.150\t2012 c117 §172; 1984 c280 §7; 1967 c234 §9; 1963 c236 §15.\n.151 federal disclosure condition\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.151\t1984 c280 §8; 1981 c77 §9. Federal body not read.\n.152 declaratory action\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.152\t2012 c117 §173; 1967 c234 §11.\n.154 cancellation\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.154\t2021 c201 §3; 2012 c117 §174; material 1989 c20 §18 and c14 §8; 1967 c234 §12.\n.156 deferral\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.156\t1967 c234 §13; complete erroneous-reference note read.\n.158 refinancing\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.158\t2012 c117 §175; 1967 c234 §14.\n.159 oversized installment\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.159\t1967 c234 §15.\n.160 nonwaiver\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.160\t1984 c280 §9; 1963 c236 §16.\n.165 financial-institution cards\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.165\t1984 c280 §10; 1981 c77 §10.\n.167 card credits\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.167\t1989 c11 §24; 1984 c280 §11.\n.170 criminal text\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.170\t1963 c236 §17; general sentencing incorporation held.\n.175 1993 remedial application\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.175\t1993 sp.s. c5 §3.\n.180 civil recovery\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.180\t1984 c280 §12; 1967 c234 §10; 1963 c236 §18.\n.190 injunction\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.190\t1963 c236 §19.\n.200 assurance\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.200\t2012 c117 §176; 1963 c236 §20.\n.210 order penalty\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.210\t1963 c236 §21.\n.220 dog/cat purchases\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.220\t2023 c208 §5.\n.903 1981 application/saving\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.903\t1981 c77 §13. Current clause read; original act not fully read.\n.910 short title\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.910\t1963 c236 §24.\n.920 original effective date\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.920\t1963 c236 §25. Read; no historical transaction application made.\n.921 1967 saving/effect\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.921\t1967 c234 §17.\n.922 1993 application\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.922\t1993 sp.s. c5 §4.\n.924 1995 application\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.924\t1995 c249 §2.\n.925 1995 saving\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.925\t1995 c249 §3.\n.926 1995 effective date\thttps://app.leg.wa.gov/RCW/default.aspx?cite=63.14.926\t1995 c249 §5."},"coordinator_verification_status":"selected_current_portions_checked_group_not_wholly_reverified","classification_reconciliation":"Visible wholechapter source group missing from mechanical import; not new verification.","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0,1,2,3,4,5,6,7,8,9],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S002","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100","https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true","https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130","https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100&utm_source=chatgpt.com","https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S002","Issuer / instrument and literal HTTPS URLs":"Legislature, RCW 19.52: https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.100; https://app.leg.wa.gov/rcw/default.aspx?cite=19.52&full=true; https://app.leg.wa.gov/RCW/default.aspx?cite=19.52.130","Actual read extent, credit, status, and limitation":"Complete .100; .120(1)–(8); .130(1)–(2); .900. Credits: 1981 c78 §3; 1981 c77 §§7–8; .900 1989 c8 §2/1981 c78 §10. Reliance on .130(1), not its unread federal incorporation in (2). Other chapter material is not a general usury report."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S003","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020","https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S003","Issuer / instrument and literal HTTPS URLs":"Legislature, Consumer Leases definition: https://app.leg.wa.gov/RCW/default.aspx?cite=63.10.020","Actual read extent, credit, status, and limitation":"Complete (1)–(6); reliance on (4)–(6). Latest 1998 c113 §1; prior 1995 c112 §1, 1992 c134 §15, 1983 c158 §2. Lease pricing/disclosure regime excluded."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S004","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010","https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020","https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S004","Issuer / instrument and literal HTTPS URLs":"Legislature, Lease-Purchase definitions/application: https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.010; https://app.leg.wa.gov/RCW/default.aspx?cite=63.19.020","Actual read extent, credit, status, and limitation":"Complete definitions and application exclusions. 1992 c134 §§2–3. Remaining chapter not read."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S005","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S005","Issuer / instrument and literal HTTPS URLs":"Legislature, Vehicle Dealers: https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.011; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.120; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.130; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.160; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.170; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.180; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.190; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.260; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.270; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.310; https://app.leg.wa.gov/RCW/default.aspx?cite=46.70.360","Actual read extent, credit, status, and limitation":"Complete listed sections. Material reliance: .011 definitions; .120 records; .130 itemization; .160 rule authority; .180(1), (2), (4), (9); .190; .270; .310. Latest credits respectively include 2025 c68 §1; 2016 sp.s. c16 §1; 2001 c272 §9; 1961 c12; 2026 c186 §6; 2022 c182 §211; 2010 c8 §9085; 1986 c241 §22; 1967 ex.s. c74 §25; 1986 c241 §23; 2025 c228 §10. .360 future 2029; .170 licensing expansion not a consumer remedy finding; .260 franchise application not generalized."},"coordinator_verification_status":"selected_current_portions_checked_group_not_wholly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[14,15,16],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S006","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110","https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S006","Issuer / instrument and literal HTTPS URLs":"Legislature, EMS fee: https://app.leg.wa.gov/RCW/default.aspx?cite=46.17.110","Actual read extent, credit, status, and limitation":"Complete (1)–(2); 2010 c161 §509. Exact fee and total-loss boundary only."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S007","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440","https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S007","Issuer / instrument and literal HTTPS URLs":"Legislature, EMS distribution: https://app.leg.wa.gov/RCW/default.aspx?cite=46.68.440","Actual read extent, credit, status, and limitation":"Complete (1)–(2); 2010 c161 §820. Dealer share/fund allocation only."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S008","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196","https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S008","Issuer / instrument and literal HTTPS URLs":"Legislature, brand-owner practices: https://app.leg.wa.gov/RCW/default.aspx?cite=46.96.196","Actual read extent, credit, status, and limitation":"Complete (1)–(4), including incentive/warranty-work exceptions. 2020 c174 §1. Reliance principally on incorporated definitions (4); no full franchise report."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S009","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005","https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025","https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S009","Issuer / instrument and literal HTTPS URLs":"Legislature, insurance-holding-company control: https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.005; https://app.leg.wa.gov/RCW/default.aspx?cite=48.31B.025","Actual read extent, credit, status, and limitation":"Full .005 read; reliance on relevant person/affiliate/control definitions. Complete .025(11) and credits read, not all .025. Latest 2024 c42 §§1–2; .025 earlier 2015 c122 §5, 2000 c214 §1, 1993 c462 §6. Exact control incorporation only."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S010","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S010","Issuer / instrument and literal HTTPS URLs":"Legislature, GAP waivers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.001; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.010; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.020; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.030; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.050; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.060; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.070; https://app.leg.wa.gov/RCW/default.aspx?cite=48.160.900","Actual read extent, credit, status, and limitation":"Complete listed sections. Most credits 2009 c334 §§1–4, 6–8, 13; .020 dual 2025 c399 §7/c243 §14 amendments and note read. Registration amounts are not consumer-price findings. .040 backing insurance and .080 enforcement not completed."},"coordinator_verification_status":"selected_current_portions_checked_group_not_wholly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[10,11,12,13],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S011","urls":["https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152","https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S011","Issuer / instrument and literal HTTPS URLs":"DOL, WAC 308-66-152: https://app.leg.wa.gov/WAC/default.aspx?cite=308-66-152","Actual read extent, credit, status, and limitation":"Complete (1)–(8) and credits. Reliance on credit advertising/price clauses and status; other advertising branches not separately investigated. Latest WSR 15-16-125, filed Aug. 5/effective Sept. 5, 2015; prior 04-16-090, 98-20-039, 91-03-019, 90-20-086 displayed."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S012","urls":["https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true","https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S012","Issuer / instrument and literal HTTPS URLs":"OIC, WAC 284-160: https://app.leg.wa.gov/WAC/default.aspx?cite=284-160&full=true","Actual read extent, credit, status, and limitation":"Complete -010, -020, -030, -050, -060, -070, -080, -090, -100. Consumer reliance principally definitions, assignment, refund, records. WSR 10-02-111; licensing procedures not market-access findings."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S013","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S013","Issuer / instrument and literal HTTPS URLs":"Legislature, UCC general provisions: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-101; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-201; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.1-309","Actual read extent, credit, status, and limitation":"Complete .101/.102/.309 and application notes; .201(a), introductory (b), and complete (b)(20), with credits. Not all .201 definitions relied on. Credits 2012 c214 §§101–102, 109, 123; .201 also 2023 c266 §101."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S014","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S014","Issuer / instrument and literal HTTPS URLs":"Legislature, UCC sales scope: https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-102; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-103; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-105; https://app.leg.wa.gov/RCW/default.aspx?cite=62A.2-106","Actual read extent, credit, status, and limitation":"Complete listed sections. Reliance on scope, ordinary movable goods, hybrid definition; not all cross-referenced definitions or Article2 remedies. Credits: 2023 c266 §§201–202; 2012 c214 §801; 1965 ex.s. c157 §2-105. Attached-property .2-107 held."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S015","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true","https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S015","Issuer / instrument and literal HTTPS URLs":"Legislature, OIC powers: https://app.leg.wa.gov/RCW/default.aspx?cite=48.02&full=true","Actual read extent, credit, status, and limitation":"Complete .060(1)–(7), especially (3)(a), read through full-chapter route; 2010 c27 §1. Rule authority only; not full agency process/remedies."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S016","urls":["https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1","https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S016","Title / literal HTTPS URL":"1992 c193: https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/2944.SL.pdf?cite=1992+c+193+s+1","Actual read bounds, status, and effective/application significance":"Complete §§1–5 and veto explanation, pp.1–6/PDF1–6; certification PDF0. Immediate April 2, 1992; §3 vetoed. Historical rate-change/sunset text."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S017","urls":["https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4","https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S017","Title / literal HTTPS URL":"1995 c249: https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5406-S.SL.pdf?cite=1995+c+249+s+4","Actual read bounds, status, and effective/application significance":"Complete §§1–5, pp.1–2/PDF1–2. May 5, 1995 immediate effect; repeals prior sunset/rate publication; prospective application and savings; unconscionability provision."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S018","urls":["https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2","https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S018","Title / literal HTTPS URL":"1993 sp.s. c5: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/House/1458-S.SL.pdf?cite=1993+sp.s.+c+5+s+2","Actual read bounds, status, and effective/application significance":"Complete §§1–5, pp.1–5/PDF1–5. Immediate May 28, 1993; assignment/remedy application."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S019","urls":["https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12","https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S019","Title / literal HTTPS URL":"1967 c234: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1967c234.pdf?cite=1967+c+234+s+12","Actual read bounds, status, and effective/application significance":"§5 pp.1135–1136/PDF5–6; §8 pp.1139–1140/PDF9–10; §§13–17 pp.1143–1146/PDF13–16. January 1, 1968 effective/saving clause. Old rates historical only; not the entire act."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S020","urls":["https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1","https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S020","Title / literal HTTPS URL":"1993 c481: https://lawfilesext.leg.wa.gov/biennium/1993-94/Pdf/Bills/Session%20Laws/Senate/5686-S.SL.pdf?cite=1993+c+481+s+1","Actual read bounds, status, and effective/application significance":"Complete §1, pp.1–2/PDF1–2; certified effective date July 25, 1993. Confirms unusual .090(3) wording."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S021","urls":["https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238","https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S021","Title / literal HTTPS URL":"2010 c161: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/6379.SL.pdf?cite=2010+c+161+s+1238","Actual read bounds, status, and effective/application significance":"§509 p.151/PDF151; §820 p.213/PDF213; §1152 pp.344–347/PDF344–347; §1153 pp.347–348/PDF347–348; §1238 p.370/PDF370. Relevant provisions July 1, 2011; unrelated exception not imported. Not all 371 PDF pages."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S022","urls":["https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3","https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S022","Title / literal HTTPS URL":"2021 c201: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1049.SL.pdf?cite=2021+c+201+s+3","Actual read bounds, status, and effective/application significance":"Complete §§2–3, pp.3–6/PDF3–6; certified header July 25, 2021. Motor cancellation/notice changes. Other warranty matters not completed."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S023","urls":["https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2","https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S023","Title / literal HTTPS URL":"2020 c174: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/2374-S.SL.pdf?cite=2020+c+174+s+2","Actual read bounds, status, and effective/application significance":"§1(2)–(4), §2, pp.2–3/PDF2–3; certified header June 11, 2020. Complete current §1 also read as S008."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S024","urls":["https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211","https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S024","Title / literal HTTPS URL":"2022 c182: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5974-S.SL.pdf?cite=2022+c+182+s+211","Actual read bounds, status, and effective/application significance":"Complete §211(2), pp.21–22/PDF21–22; §§502–511, pp.120–121/PDF120–121. §511 makes relevant $150→$200 change effective July 1, 2022. Remaining transportation act not read."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S025","urls":["https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1","https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S025","Title / literal HTTPS URL":"2017 c41: https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/5244.SL.pdf?cite=2017+c+41+s+1","Actual read bounds, status, and effective/application significance":"§1(4)(a)–(b), pp.3–5/PDF3–5; certified July 23, 2017. Bushing communications/conditions; complete current (4) read separately."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S026","urls":["https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2","https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S026","Title / literal HTTPS URL":"2006 c289: https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/6571-S.SL.pdf?cite=2006+c+289+s+2","Actual read bounds, status, and effective/application significance":"Complete §2, p.9/PDF9; certified June 7, 2006. Separate substantive-cause/procedural-action prospective application. Full §1 not claimed."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S027","urls":["https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1","https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S027","Title / literal HTTPS URL":"2016 sp.s. c16: https://lawfilesext.leg.wa.gov/biennium/2015-16/Pdf/Bills/Session%20Laws/Senate/6326-S.SL.pdf?cite=2016+sp.s.+c+16+s+1","Actual read bounds, status, and effective/application significance":"Complete §1, pp.1–2/PDF1–2; §3 p.3/PDF3; certification records veto override and June 28, 2016 effect. Dealer records."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S028","urls":["https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2","https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S028","Title / literal HTTPS URL":"2019 c340: https://lawfilesext.leg.wa.gov/biennium/2019-20/Pdf/Bills/Session%20Laws/House/1476-S.SL.pdf?cite=2019+c+340+s+2","Actual read bounds, status, and effective/application significance":"§2 p.1/PDF1; §§5–6 p.4/PDF4; certified July 28, 2019. Dog/cat collateral, ownership/refund, unsecured-loan qualification. Article9 amendments not a P10 foundation."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S029","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5","https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S029","Title / literal HTTPS URL":"2023 c208: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1424-S.SL.pdf?cite=2023+c+208+s+5","Actual read bounds, status, and effective/application significance":"Complete §5 p.7/PDF7; certified July 23, 2023. Other animal-sale/loan provisions not completed."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S030","urls":["https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1","https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S030","Title / literal HTTPS URL":"2009 c334: https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1530.SL.pdf?cite=2009+c+334+s+1","Actual read bounds, status, and effective/application significance":"Opening enactment material and §11 definition amendment reviewed; complete §§12–14 p.13/PDF13, including application to agreements on/after January 1, 2010. Complete current operative GAP clauses separately read in S010; no claim of a full original-act reading."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S031","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S031","Title / literal HTTPS URL":"2025 c68: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1760.SL.pdf?cite=2025+c+68+s+1","Actual read bounds, status, and effective/application significance":"§1(18)(c)–(j), (19)–(20), pp.4–5/PDF4–5; certified July 27, 2025. Manufactured-housing dealer-definition change; special regime held."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S032","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S032","Title / literal HTTPS URL":"2025 c243: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5262-S.SL.pdf?cite=2025+c+243+s+14","Actual read bounds, status, and effective/application significance":"Complete §§14–16, pp.16–17/PDF16–17; relevant §14 July 27, 2025; separate §6 date not imported. GAP registration-fund change, not consumer fee ceiling."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S033","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S033","Title / literal HTTPS URL":"2025 c399: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1468-S.SL.pdf?cite=2025+c+399+s+7","Actual read bounds, status, and effective/application significance":"Complete §7 pp.8–9/PDF8–9; §§18–20 pp.28–29/PDF28–29. §7 effective July 1, 2025; current dual-amendment note read. Not every repeal in act investigated."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S034","urls":["https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803","https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S034","Title / literal HTTPS URL":"2012 c214: https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2197-S.SL.pdf?cite=2012+c+214+s+1803","Actual read bounds, status, and effective/application significance":"§123 p.23/PDF23; §§1803–1806 pp.154–155/PDF154–155; relevant June 7, 2012 application/savings. Unrelated later-effective parts excluded."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S035","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201","https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S035","Title / literal HTTPS URL":"2023 c266: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5077-S.SL.pdf?cite=2023+c+266+s+201","Actual read bounds, status, and effective/application significance":"Complete §§201–202 pp.8–10/PDF8–10; §§1101–1104 pp.130–131/PDF130–131; §§1201–1204 p.134/PDF134. January 1, 2024 effect. Specialized §§1105–1109 not read."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S036","urls":["https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18","https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S036","Title / literal HTTPS URL":"1989 c20: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1989c20.pdf?cite=1989+c+20+s+18","Actual read bounds, status, and effective/application significance":"Complete §3 definitions/exclusions pp.129–132/PDF0–3; §§18–20 p.140/PDF11. January 1, 1990 effect. Historical incorporation, not current telemarketing coverage by assumption."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S037","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020","https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S037","Title / literal HTTPS URL":"Legislature, current telephone definitions: https://app.leg.wa.gov/RCW/default.aspx?cite=19.158.020","Actual read bounds, status, and effective/application significance":"Complete (1)–(10) and credits: 2025 c58 §1004; 2023 c103 §4; 2003 c39 §12; 1989 c20 §3. Comparator only; incorporation into .154 held."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S038","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S038","Title / literal HTTPS URL":"2026 c186: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/6354-S.SL.pdf?cite=2026+c+186+s+6","Actual read bounds, status, and effective/application significance":"Complete §6 p.19/PDF19; §9 p.20/PDF20; certified June 11, 2026, except §7 October 1, 2026. Current licensing/status dependency, not consumer permission."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S039","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S039","Title / literal HTTPS URL":"2025 c228: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1596-S.SL.pdf?cite=2025+c+228+s+10","Actual read bounds, status, and effective/application significance":"Complete §10 p.6/PDF6; §18 p.17/PDF17. Relevant dealer provision future January 1, 2029."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S040","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm","https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S040","Title / literal HTTPS URL":"DOL permanent order WSR 15-16-125: https://lawfilesext.leg.wa.gov/law/wsr/2015/16/15-16-125.htm","Actual read bounds, status, and effective/application significance":"Full adoption order and amended WAC 308-66-152(1)–(8). Filed August 5, effective September 5, 2015. Operative adoption, not proposed text."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S041","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm","https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S041","Title / literal HTTPS URL":"DOL withdrawal WSR 25-13-085: https://lawfilesext.leg.wa.gov/law/wsr/2025/13/25-13-085.htm","Actual read bounds, status, and effective/application significance":"Complete withdrawal notice; filed June 16, 2025, withdrawing WSR 25-04-119. Proposed body not read or relied on."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S042","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm","https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S042","Title / literal HTTPS URL":"OIC permanent order WSR 10-02-111: https://lawfilesext.leg.wa.gov/law/wsr/2010/02/10-02-111.htm","Actual read bounds, status, and effective/application significance":"Complete adoption and nine rules. Filed/effective January 6, 2010; rule applicability January 1 text separately preserved."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S043","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S043","Title / literal HTTPS URL":"Legislature, 2025 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202025.pdf","Actual read bounds, status, and effective/application significance":"Relevant searches and neighboring entries, principally printed pp.13–16/PDF12–15; report footer June 2, 2025. Not all 24 pages read; index evidence only."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S044","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-P11-S044","Title / literal HTTPS URL":"Legislature, 2026 RCW sections affected: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf","Actual read bounds, status, and effective/application significance":"Relevant searches and entries, including printed pp.8, 10/PDF7, 9; footer April 2, 2026. Not all 13 pages read; no later-change guarantee."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}},{"source_id":"S_WA-P11-S045","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013","https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P11-S045","Title / literal HTTPS URL":"Legislature, 2010 technical/effective notes: https://app.leg.wa.gov/RCW/default.aspx?cite=46.04.013","Actual read bounds, status, and effective/application significance":"Complete displayed 2010 c161 intent/effective-date notes read; §1238 independently read in S021. The underlying abandoned-vehicle subject is not a finding here."},"coordinator_verification_status":"dated_researcher_source_record_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_sourcegroup_andcurrentness_not_accepted":true,"original_access_claims_unchanged":true}}],"coverage":[{"topic":"1 — Governing ordinary-goods framework","researcher_record":{"Scope item":"1 — Governing ordinary-goods framework","Status":"Answered—text","Source / claim / branch links":"S001; C001–C006","Exact remaining evidence or retained boundary":"Actual classification excluded."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Motor-vehicle overlay","researcher_record":{"Scope item":"1 — Motor-vehicle overlay","Status":"Answered—text","Source / claim / branch links":"S005, S021–S025; C022–C035, C045–C051","Exact remaining evidence or retained boundary":"Full dealer licensing, title, and actual actor status excluded."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Purpose, actor, amount, territorial scope","researcher_record":{"Scope item":"1 — Purpose, actor, amount, territorial scope","Status":"Answered with construction holds","Source / claim / branch links":"C001–C004; B001–B003","Exact remaining evidence or retained boundary":"Mixed purpose and territorial construction remain open."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Security versus sale/loan","researcher_record":{"Scope item":"1 — Security versus sale/loan","Status":"Answered—boundary","Source / claim / branch links":"C005, C010–C011; B002, B015","Exact remaining evidence or retained boundary":"Attachment, perfection, priority, enforcement capacity excluded."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Lease/consumer lease/rental-purchase","researcher_record":{"Scope item":"1 — Lease/consumer lease/rental-purchase","Status":"Answered—classification gateways","Source / claim / branch links":"S003–S004; C006–C008","Exact remaining evidence or retained boundary":"Full regimes and reciprocal-exclusion construction open."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Revolving/card/institution distinctions","researcher_record":{"Scope item":"1 — Revolving/card/institution distinctions","Status":"Answered—state text","Source / claim / branch links":"C009, C020, C027, C029, C042","Exact remaining evidence or retained boundary":"Federal/institutional scope held."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Material enactment/application","researcher_record":{"Scope item":"1 — Material enactment/application","Status":"Partial, identified","Source / claim / branch links":"S016–S039; C075–C080","Exact remaining evidence or retained boundary":"Not every historical act independently read."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Writing/signature/completion","researcher_record":{"Scope item":"2 — Writing/signature/completion","Status":"Answered—text","Source / claim / branch links":"C013–C014","Exact remaining evidence or retained boundary":"Electronic-record/signature equivalence held, B005."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Copy/delivery/remote exceptions","researcher_record":{"Scope item":"2 — Copy/delivery/remote exceptions","Status":"Answered—text","Source / claim / branch links":"C015, C018–C020","Exact remaining evidence or retained boundary":"Actual receipt or conformity not examined."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Legal amount categories","researcher_record":{"Scope item":"2 — Legal amount categories","Status":"Answered—text/formulas","Source / claim / branch links":"C016–C017; Q004–Q006","Exact remaining evidence or retained boundary":"No federal amount-financed/APR equivalence."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Vehicle itemization/retention","researcher_record":{"Scope item":"2 — Vehicle itemization/retention","Status":"Answered—text","Source / claim / branch links":"C022–C023; Q031–Q032","Exact remaining evidence or retained boundary":"No consumer record-access entitlement inferred."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Prohibited terms/holder notice/nonwaiver","researcher_record":{"Scope item":"2 — Prohibited terms/holder notice/nonwaiver","Status":"Answered—text","Source / claim / branch links":"C013, C053–C054","Exact remaining evidence or retained boundary":"Full assignee affirmative recovery and electronic delivery held."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Federal disclosure incorporation","researcher_record":{"Scope item":"2 — Federal disclosure incorporation","Status":"Partial","Source / claim / branch links":"C024; B024","Exact remaining evidence or retained boundary":"Complete TILA/Regulation Z inquiry required."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Current service-charge structure/history","researcher_record":{"Scope item":"3 — Current service-charge structure/history","Status":"Answered—state text","Source / claim / branch links":"C025–C027, C076","Exact remaining evidence or retained boundary":"General federal/preemption/construction boundaries retained."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Delinquency/default/collection fees","researcher_record":{"Scope item":"3 — Delinquency/default/collection fees","Status":"Answered—conditional","Source / claim / branch links":"C028–C029; Q011","Exact remaining evidence or retained boundary":"No universal closed-end numerical late-fee cap established."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Deferral charges","researcher_record":{"Scope item":"3 — Deferral charges","Status":"Partial—exact cap held","Source / claim / branch links":"C038; Q021; B010","Exact remaining evidence or retained boundary":"Obsolete incorporated subdivisions."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Insurance","researcher_record":{"Scope item":"3 — Insurance","Status":"Answered—retail clause only","Source / claim / branch links":"C030","Exact remaining evidence or retained boundary":"Full insurance rating, cancellation, refund, and anti-discrimination regimes open."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Vehicle documentary/administrative fees","researcher_record":{"Scope item":"3 — Vehicle documentary/administrative fees","Status":"Answered—exact statutes","Source / claim / branch links":"C031–C032","Exact remaining evidence or retained boundary":"Other title/registration fees excluded."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Ancillary products/GAP","researcher_record":{"Scope item":"3 — Ancillary products/GAP","Status":"Answered with exclusions","Source / claim / branch links":"C033–C035, C065–C072","Exact remaining evidence or retained boundary":"Institutional, federal, licensing/backing-insurance branches held."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — APR/rounding/discretion","researcher_record":{"Scope item":"3 — APR/rounding/discretion","Status":"Bounded","Source / claim / branch links":"Q005, Q012, Q039–Q040","Exact remaining evidence or retained boundary":"No APR calculation or unstated rounding convention."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Payment statements/card credits","researcher_record":{"Scope item":"4 — Payment statements/card credits","Status":"Answered—text","Source / claim / branch links":"C021, C042","Exact remaining evidence or retained boundary":"No universal goods-return right."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Full prepayment/rebate","researcher_record":{"Scope item":"4 — Full prepayment/rebate","Status":"Partial—state relation verified","Source / claim / branch links":"C036–C037; Q020","Exact remaining evidence or retained boundary":"Low-original-charge interaction and federal constraints held."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Deferral/refinancing","researcher_record":{"Scope item":"4 — Deferral/refinancing","Status":"Partial","Source / claim / branch links":"C038–C039; B010–B011","Exact remaining evidence or retained boundary":"Exact obsolete-reference reconciliation remains."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Oversized installment/consolidation","researcher_record":{"Scope item":"4 — Oversized installment/consolidation","Status":"Answered—conditional","Source / claim / branch links":"C040–C041","Exact remaining evidence or retained boundary":"Qualitative standards/security validity held."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Cancellation","researcher_record":{"Scope item":"4 — Cancellation","Status":"Answered with telephone hold","Source / claim / branch links":"C043–C046","Exact remaining evidence or retained boundary":"No universal motor cancellation; other state/federal grounds not completed."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Conditional vehicle acceptance","researcher_record":{"Scope item":"4 — Conditional vehicle acceptance","Status":"Answered—text","Source / claim / branch links":"C047–C051","Exact remaining evidence or retained boundary":"No actual acceptance, tender, misrepresentation, or return determination."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Default/acceleration/cure","researcher_record":{"Scope item":"4 — Default/acceleration/cure","Status":"Partial—narrow UCC rule","Source / claim / branch links":"C052; B016","Exact remaining evidence or retained boundary":"No universal notice/cure regime; Article9 and full Article2 remedies separate."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Assignment/claims/defenses","researcher_record":{"Scope item":"5 — Assignment/claims/defenses","Status":"Answered—text","Source / claim / branch links":"C011, C013, C053","Exact remaining evidence or retained boundary":"Affirmative recovery/holder-rule construction open."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Nonwaiver/unconscionability","researcher_record":{"Scope item":"5 — Nonwaiver/unconscionability","Status":"Answered—text","Source / claim / branch links":"C054–C055","Exact remaining evidence or retained boundary":"No actual invalidity or judicial finding."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Error/charge forfeiture/recovery","researcher_record":{"Scope item":"5 — Error/charge forfeiture/recovery","Status":"Answered—conditional formula","Source / claim / branch links":"C056–C058; Q034","Exact remaining evidence or retained boundary":"Liability, offset, stacking, award and causation held."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Action-specific timing","researcher_record":{"Scope item":"5 — Action-specific timing","Status":"Answered—text only","Source / claim / branch links":"C059, C063; Q033, Q037","Exact remaining evidence or retained boundary":"No P3 rerun, actual deadline, or tolling analysis."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Public enforcement/penalties","researcher_record":{"Scope item":"5 — Public enforcement/penalties","Status":"Answered with sentencing hold","Source / claim / branch links":"C060–C064","Exact remaining evidence or retained boundary":"General criminal sentencing, full CPA and agency hearing process open."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — True leases/rental-purchase/housing/business/agriculture","researcher_record":{"Scope item":"6 — True leases/rental-purchase/housing/business/agriculture","Status":"Gateways only; full regimes excluded","Source / claim / branch links":"B004, B027","Exact remaining evidence or retained boundary":"Separate complete generic inquiries required."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Licensing/title/Article9","researcher_record":{"Scope item":"6 — Licensing/title/Article9","Status":"Excluded except exact interfaces","Source / claim / branch links":"B003, B015","Exact remaining evidence or retained boundary":"No permission, repossession, perfection, priority, or title outcome."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Federal regimes","researcher_record":{"Scope item":"6 — Federal regimes","Status":"Held","Source / claim / branch links":"B021–B024","Exact remaining evidence or retained boundary":"TILA/Z, FTC Holder/cooling-off, MLA, SCRA, bankruptcy, reporting, collection, preemption."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Insurance/disability/privacy/local/tribal/interstate","researcher_record":{"Scope item":"6 — Insurance/disability/privacy/local/tribal/interstate","Status":"Excluded/held","Source / claim / branch links":"B027–B030","Exact remaining evidence or retained boundary":"Separate scope, definitions, exceptions, and remedies required."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Judicial construction","researcher_record":{"Scope item":"6 — Judicial construction","Status":"Deliberately uninvestigated","Source / claim / branch links":"All held branches","Exact remaining evidence or retained boundary":"No cases/opinions/dockets searched."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — Current operative bodies/read bounds","researcher_record":{"Scope item":"7 — Current operative bodies/read bounds","Status":"Answered for listed sources","Source / claim / branch links":"S001–S015, S037, S045","Exact remaining evidence or retained boundary":"Unlisted clauses are not represented as read."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — Material original amendments/effect/application","researcher_record":{"Scope item":"7 — Material original amendments/effect/application","Status":"Substantially authenticated, bounded","Source / claim / branch links":"S016–S042","Exact remaining evidence or retained boundary":"Specific older-act and transition gaps preserved."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — 2023/2025/2026 and prospective changes","researcher_record":{"Scope item":"7 — 2023/2025/2026 and prospective changes","Status":"Checked with limits","Source / claim / branch links":"C078–C080; S031–S044","Exact remaining evidence or retained boundary":"Report cutoffs do not prove no later uncodified change."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — Failed routes/alternative access","researcher_record":{"Scope item":"7 — Failed routes/alternative access","Status":"Documented below","Source / claim / branch links":"Failure log","Exact remaining evidence or retained boundary":"Recovery closes only the exact section/order access gap."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"Registry dimension 6 overall","researcher_record":{"Scope item":"Registry dimension 6 overall","Status":"Open","Source / claim / branch links":"This component only","Exact remaining evidence or retained boundary":"Other secured/sector components, federal interfaces, and construction remain separate."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"Earlier P1/P2 findings and all other passes","researcher_record":{"Scope item":"Earlier P1/P2 findings and all other passes","Status":"Unchanged; not substantive premises","Source / claim / branch links":"Supplied scope context only","Exact remaining evidence or retained boundary":"No repair, acceptance, or closure implied."},"coordinator_acceptance":"scoped_text_review_only_original_partial_held_excluded_andparent_limits_retained","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:16:14.133555+00:00","source_check_record":"[internal evidence reference]","original_status_not_upgraded":true,"all_bounds_retained":true,"state_dimension6_A066_parent_acceptance":false}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WA-P11-REVIEW-SCOPE","status":"scoped_coordinator_selected_retailcredit_review_complete_source_history_construction_application_parent_holds","at":null},{"id":"S_WA-P11-INCORPORATION-CONSTRUCTION-HOLD","status":"CURRENT_INCORPORATED_WORDING_CHECKED_CONSTRUCTION_UNRESOLVED","at":null},{"id":"S_WA-P11-LOW-SC-PREPAYMENT-HOLD","status":"STATE_RELATION_AND_TIERS_CHECKED_LOW_SC_INTERACTION_ANDFEDERAL_NOT_RESOLVED","at":null},{"id":"S_WA-P11-HISTORY-CURRENTNESS-SOURCE-HOLD","status":"42GROUPS_AND_UNREAD_PORTIONS_OF3GROUPS_UNREFRESHED_NO_COMPLETE_HISTORY_ORLATECHANGE_CERTIFICATION","at":null},{"id":"S_WA-P11-SPECIALREGIME-APPLICATION-PARENT-HOLD","status":"NO_ACTUAL_SCOPE_ENTITLEMENT_ENFORCEMENT_AWARD_ORPARENT_ACCEPTANCE","at":null}]}