{"meta":{"key":"s_wa--pass-16","task":"S_WA","title":"Washington student-loan servicing and borrower protection","parent_title":"Washington debt and debt relief law","edition":"pass-16","path":"/research/s_wa--pass-16/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":18,"claims":120,"sources":22,"review_status":"scoped_coordinator_studentservicing_review_complete_one_pinpoint_correction_UNSENT_source_history_construction_application_parent_holds","review_complete":true,"sha256":"a2b025f06ba6d1208a9b3e0a1a315197e13f3d0d8cabead0afa1f8ec219fe8b4","headings":["Washington student-loan servicing and borrower protection","1. Material category and authority comparisons","Reading and identification conventions","2.1 S_WA-P16-S001 — Washington Legislature / Code Reviser, chapter 31.04 RCW, Consumer Loan Act","2.2 S_WA-P16-S002 — DFI / Code Reviser, chapter 208-620 WAC","2.3 Other current statutes, originals, and status sources","3.1 Scope, definitions and exclusions","3.2 Licensing, financial requirements, continuation and cessation","3.3 Payment, charges, information, disputes and transfer","3.4 Information, assistance, refinancing and protected-status boundaries","3.5 Supervision, remedies, nonwaiver and limits","3.6 Version and application findings","Version and application quantities","8.1 Read and search log","8.2 Bounded failures and materially different routes","Researcher self-check — not independent review"],"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-16","facets":{"geography":["us","us-wa"],"debt_type":["student"],"stage":[],"subject":["education-programs"]},"scope":"Independent required student-education-loan servicing/borrower-protection state sector dimension6; priorprivate-studentwagebankpropertyexemptions,medical,fullfederalprogrammerits excluded.","pending_corrections":1},"markdown":"# SettleADebt — S_WA PASS-16\n\n## Washington student-loan servicing and borrower protection\n\n**Actual public-source access: October 28, 2026, America/Los_Angeles.** The research used the official legislative and administrative-code bodies and the adopted originals identified below. The RCW index displayed a **July 15, 2026** compilation update; the WAC index displayed **October 7, 2026**. Those are publication-currentness markers, not the effective dates of individual provisions. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/?utm_source=chatgpt.com)\n\nWashington’s general student-loan servicing framework is contained in the **Consumer Loan Act, chapter 31.04 RCW**, and **chapter 208-620 WAC**, administered by the Department of Financial Institutions (DFI). The statutory student-loan provisions distinguish servicing from origination, ownership, defaulted-loan collection, and paid third-party modification assistance. They also distinguish **exemption from licensing** from **exclusion from the Act**. Those distinctions control the findings below. [app.leg.wa.gov+2](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015&utm_source=chatgpt.com)\n\nThe examined state texts establish substantial payment-processing, information, fee, communication, transfer, and oversight duties. They do **not**, by themselves, establish eligibility for a federal repayment plan, forgiveness, discharge, cosigner release, or a particular protected-status benefit. Several rules contain narrowly worded federal-compliance alternatives; those alternatives require their own predicates and cannot be assumed from a federal-loan label.\n\nAll earlier reports, provenance, exemption findings, and holds remain unchanged. No earlier exemption definition or unreviewed sector conclusion is used as a substantive premise here.\n\n## 1. Material category and authority comparisons\n\n| Category or distinction | Finding from newly read authority | Boundary retained |\n| --- | --- | --- |\n| Student education loan | RCW 31.04.015(32) uses a personal-use, postsecondary-education/cost-of-attendance definition and includes refinancing. | It is not the private-student-debt definition used in the execution-exemption statutes. |\n| Private versus federally connected loan | The general student-loan definition is not restricted to private loans. Particular government-originated loans, guarantors, and federal-compliance provisions have separate conditions. | A guarantee, ownership, or program label does not settle all state-law coverage or federal preemption. |\n| Borrower and shared repayment responsibility | The definition includes a Washington resident who received or agreed to pay the loan and a person sharing repayment responsibility with that resident. | This does not itself create a cosigner-release right. |\n| Origination versus servicing | Advancing or committing funds is distinguished from receiving/applying payments, modification-related data work, and administration or collection. | No general student-loan individual “mortgage loan originator” requirement is inferred from mortgage definitions. |\n| Ownership versus servicing | Servicer status turns on responsibility for servicing activities, wherever the person is located. | Ownership, an assignment, or an account description does not establish actual servicing responsibility or enforcement capacity. |\n| Defaulted-loan collection | WAC 208-620-011(14) excludes specified Washington-licensed collection agencies and attorneys when collecting student loans in default. | The default, licensing, legal-services, and bona fide-practice predicates remain necessary. Other collection law is not completed here. |\n| Licensing exemption | RCW 31.04.420 expressly leaves specified actors subject to student-servicer requirements while excusing a license. | The exemption is not a general exemption from substantive duties. |\n| Chapter exclusion | RCW 31.04.025(4)(a) and .905 address business conducted under, and as permitted by, specified banking and credit-union laws. | An affiliation, charter description, or marketing label does not establish the exclusion. |\n| Borrower assistance | The student loan advocate provides assistance, complaint review/referral, education, and specified consent-based review. | Assistance is not an adjudication, approved program, stay, refund award, or discharge. |\n| Paid third-party modification | RCW 31.04.415 establishes a separate set of restrictions, including a performance-before-compensation condition. | Its chapter 18.28 interface is identified but the earlier provider-fee disputes are not reopened. |\n| Rule versus statute | The current WAC includes particular federal-compliance alternatives and transfer qualifications alongside the statutory duties. | No actual federal compliance, contract, director waiver, or resolution of a construction dispute is presumed. |\n| Administrative versus private remedy | DFI powers and the Consumer Protection Act (CPA) incorporation are separately stated. | A violation, complaint, license event, or mathematical loss does not establish an actual award or debt outcome. |\n\n**Prior-exemption reuse versus new evidence**\n\n| Evidence category | Treatment in this pass |\n| --- | --- |\n| Earlier private-student wage, bank, and property exemptions | Scope context only. No substantive reuse or regeneration. |\n| Earlier general court, limitation, mortgage, provider, or medical findings | Not substantive premises. |\n| New sector evidence | The current sections, rules, and originals in the source register below. |\n| Remaining gap | Federal program/preemption law, particular institutional programs, actual classification, judicial construction, and the expressly identified historical/incorporation gaps. |\n\n# 2. Source and usage register\n\n### Reading and identification conventions\n\n- **S001–S022 below mean the full identifiers S_WA-P16-S001 through S_WA-P16-S022.**\n- Source IDs identify an instrument or codified chapter. Separate section pages and alternate formats are **usages of that source**, not independent corroboration.\n- Every source listed as freshly read was accessed on **October 28, 2026, America/Los_Angeles**.\n- “Complete” means the complete identified section or subsection, including its material qualifications. It does not mean an entire title or chapter was read.\n- Codified HTML was read as presented on the official legislative site. Original PDFs were read through **parsed text, not page pixels**.\n- Credits below identify the latest displayed amendment relevant to the usage. A displayed credit is not treated as independently verified original history unless the adopted original is separately registered.\n\n## 2.1 S_WA-P16-S001 — Washington Legislature / Code Reviser, chapter 31.04 RCW, Consumer Loan Act\n\n**Chapter route:** [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true&utm_source=chatgpt.com)\n\nCurrent online codification, selected complete sections. The chapter route also supplied the successful alternate reading of §.027. The chapter was not read in its entirety.\n\n| Section and direct literal URL | Actual read extent and use | Displayed credit / history qualification |\n| --- | --- | --- |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015&utm_source=chatgpt.com) | Complete (1)–(39), credits and notes; student definitions, role distinctions, incorporated definitions. | 2018 c 62 §9; adopted reproduction read in S011. Federal incorporated definitions remain separately held. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025&utm_source=chatgpt.com) | Complete (1)–(7), credits and application notes. | 2024 c 249 §2; 2023 c 275 §15 also credited. S015 supplies the 2024 text and prospective-application clause. |\n| §31.04.027 at [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true&utm_source=chatgpt.com) | Complete (1)–(3), credits and notes. Individual-section route failed; chapter body succeeded. | 2024 c 249 §3; 2021 c 15 §1; 2018 c 62 §11. Current text reproduced in S015; no separate 2021 effective-date finding. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035&utm_source=chatgpt.com) | Complete section, license requirement and transaction consequences. | 2024 c 249 §4; S015 application limitation is material. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045&utm_source=chatgpt.com) | Complete (1)–(5), notes; application, bond, alternative, waiver. | 2015 c 229 §22. Earlier original history not independently completed. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055&utm_source=chatgpt.com) | Complete (1)–(2), all issuance conditions and denial/decision provisions. | 2010 c 35 §4; original not independently read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085&utm_source=chatgpt.com) | Complete section; annual assessment and continuing liability. | 2010 c 35 §5; original not independently read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093&utm_source=chatgpt.com) | Complete (1)–(13). Licensing, sanctions, surrender and contract preservation used; limitation sentence excluded from merits. | 2018 c 62 §13; S011 read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102&utm_source=chatgpt.com) | Complete (1)–(6); reliance limited principally to (5), federal-student-loan refinancing disclosure. | 2018 c 62 §14; S011 read. Federal TILA incorporation not completed. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105&utm_source=chatgpt.com) | Complete (1)–(10); reliance on (6), (7), (9) for bounded servicing-charge interfaces. | 2015 c 229 §28. General origination/pricing and insurance regimes excluded. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125&utm_source=chatgpt.com) | Complete (1)–(4); read to identify the separate loan-making/simple-interest/prepayment interface. | 2007 c 208 §1. No general origination or prepayment calculation finding made. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143&utm_source=chatgpt.com) | Complete (1)–(3), credits and note. | 2011 c 93 §9. Retrieved body carried an older crawl marker; incorporated court fee/process not completed. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145&utm_source=chatgpt.com) | Complete (1)–(6); examination and investigation authority. | 2018 c 62 §15; S011 read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155&utm_source=chatgpt.com) | Complete section; records, report and late-report consequence. | 2013 c 29 §8; original not independently read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165&utm_source=chatgpt.com) | Complete section; administration, rulemaking and judicial enforcement gateway. | 2018 c 62 §16; S011 read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175&utm_source=chatgpt.com) | Complete (1)–(2); residual offense and written-DFI-guidance good-faith qualification. | 2001 c 81 §14; older original not independently read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202&utm_source=chatgpt.com) | Complete section; APA incorporation. | 2001 c 81 §15. Full chapter 34.05 procedure held. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205&utm_source=chatgpt.com) | Complete section; enforcement discretion, hearing finding and cost recovery. | 2015 c 229 §30; original not independently read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208&utm_source=chatgpt.com) | Complete section; CPA incorporation and cumulative-remedy statement. | 2001 c 81 §17; current CPA clauses separately read in S010. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310&utm_source=chatgpt.com) | Complete section; receiver gateway. | 2018 c 62 §18; S011 read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400&utm_source=chatgpt.com) | Complete section; program/advocate fee authority. | 2018 c 62 §3. Current fund-allocation incorporation not completed. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405&utm_source=chatgpt.com) | Complete (1)–(8), including all response, transfer, information and waiver clauses. | 2018 c 62 §6; S011 read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410&utm_source=chatgpt.com) | Complete section; liquidity, reserves and tangible-net-worth authority. | 2018 c 62 §7; S011 read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415&utm_source=chatgpt.com) | Complete (1)–(3), including every listed third-party-modification restriction. | 2018 c 62 §8; S011 read. Chapter 18.28 merits remain separate. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420&utm_source=chatgpt.com) | Complete (1)–(3), all licensing-exempt categories. | 2018 c 62 §10; S011 read. |\n| [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905&utm_source=chatgpt.com) | Complete section; 2018 Act banking exclusion. | 2018 c 62 §20; S011 read. |\n\nThe central scope, conduct, duty, and licensing-consequence bodies were read directly, rather than inferred from chapter titles. [app.leg.wa.gov+4](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015&utm_source=chatgpt.com)\n\n## 2.2 S_WA-P16-S002 — DFI / Code Reviser, chapter 208-620 WAC\n\n**Chapter route:** [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com)\n\nCurrent online codification; selected bodies only. “2018 order,” “2019 order,” and “2022 order” refer to S012–S014.\n\n| Rule and direct literal URL | Actual read extent / reliance | Displayed latest credit and original-status qualification |\n| --- | --- | --- |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010&utm_source=chatgpt.com) | Complete relied-on definitions, particularly (7), (19), (26), (28), (40), (41); other portions read, no whole-chapter claim. | WSR 22-24-048; effective December 31, 2022. Complete amended definition section read in S014. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011&utm_source=chatgpt.com) | Complete (1)–(14); interpretive definitions and default-collection exclusions. | WSR 18-24-013; January 1, 2019; S012. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230&utm_source=chatgpt.com) | Complete rule; licensing and older refund language. | WSR 18-24-013; S012. Comparison with 2024 statute expressly held where consequential. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250&utm_source=chatgpt.com) | Complete rule; location/physical-presence distinction. | WSR 22-24-048; S014. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251&utm_source=chatgpt.com) | Complete rule; out-of-state records/access and registered-agent condition. | WSR 22-24-048; S014. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280&utm_source=chatgpt.com) | Complete (1)–(3); generic application channel and responsibility. | WSR 13-24-024; January 1, 2014 as credited; original not read. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300&utm_source=chatgpt.com) | Complete rule; student-servicing branch-location requirement. | WSR 22-24-048; S014. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320&utm_source=chatgpt.com) | Complete (1)–(6); reliance on the student-servicing-only branch, with mixed-activity limits retained. | WSR 18-24-013; S012. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324&utm_source=chatgpt.com) | Complete (1)–(5), including both financial definitions. | WSR 18-24-013; S012. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370&utm_source=chatgpt.com) | Complete rule; licensing-fitness/denial interface. | WSR 18-24-013; S012. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430&utm_source=chatgpt.com) | Complete rule; annual reporting, penalties, bond-claim and expiration qualifications. Its numerical illustration is not reproduced. | WSR 13-24-024; original not read. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442&utm_source=chatgpt.com) | Complete rule; assessment base, multiplier, portfolio and adjustment request. | WSR 19-21-157; November 24, 2019; S013. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490&utm_source=chatgpt.com) | Complete current rule read; reliance limited to (3)(f)–(g) and (6). | WSR 19-21-157. Original (1)–part of (4) read; no claim to have read the whole original rule. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499&utm_source=chatgpt.com) | Complete rule; cessation and continuing authority. Mortgage-only subsection kept separate. | WSR 18-16-024; September 1, 2018 as credited; original not read. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510) | Complete selected (8)–(9); student-refinancing disclosure used. | Latest rule credit WSR 22-24-048. Original 2019 selected disclosure text read; no claim that the 2022 order changed that particular clause. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550&utm_source=chatgpt.com) | Complete (1)–(24); reliance principally on payoff, payment receipt and negligent student-refinancing/modification delay. | WSR 19-21-157; S013 complete rule read. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554&utm_source=chatgpt.com) | Complete rule; servicing-location restrictions and permitted back-office categories. | WSR 19-21-157; S013 complete rule read. Current-page retrieval carried an older crawl marker. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555&utm_source=chatgpt.com) | Complete rule; reliance on (3)(c)–(d), not mortgage/origination pricing. | WSR 19-21-157; S013 complete rule read. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560&utm_source=chatgpt.com) | Complete current rule; reliance on (2), expressly incorporated by student-fee rule. | WSR 19-21-157; complete original (2) read. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569&utm_source=chatgpt.com) | Complete (1)–(4), all fee conditions. | WSR 18-24-013; S012. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950&utm_source=chatgpt.com) | Complete (1)–(5), including every federal-compliance and communication qualification. | WSR 19-21-157; complete 2018 and 2019 adopted versions read. |\n| [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960&utm_source=chatgpt.com) | Complete (1)–(5), including the detailed-history and repeat-statement branches. | WSR 19-21-157; complete 2018 and 2019 adopted versions read. |\n| §208-620-970 at [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com) | Complete rule through the chapter route, including introductory federal-contract exception and both transfer roles. Individual-section route failed. | WSR 18-24-013; complete adopted rule read in S012. |\n\nThe principal current student-specific rules were freshly read with their qualifications, not reconstructed from agency summaries. [app.leg.wa.gov+4](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950&utm_source=chatgpt.com)\n\n## 2.3 Other current statutes, originals, and status sources\n\n| Source ID | Issuer/title and complete literal URL | Actual read bounds, edition/status and material limitation |\n| --- | --- | --- |\n| **S_WA-P16-S003** | Washington Legislature, RCW 28B.85.010, degree-granting definitions. [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010&utm_source=chatgpt.com) | Complete (1)–(3), credits/notes. Current HTML; latest credit 2012 c 229 §542. Older original/application chain not completed. |\n| **S_WA-P16-S004** | Washington Legislature, RCW 28C.10.020, private-vocational-school definitions. [https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020](https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020&utm_source=chatgpt.com) | Complete (1)–(12), credits; reliance on institutional/program definitions. Latest credit 2007 c 462 §1. |\n| **S_WA-P16-S005** | Washington Legislature, RCW 18.16.020, definitions. [https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020](https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020&utm_source=chatgpt.com) | Complete (1)–(37), notes; reliance on school definition (34). Latest credit 2025 c 194 §2; material effective clause checked in S016. |\n| **S_WA-P16-S006** | Washington Legislature, RCW 28B.07.020, definitions. [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020&utm_source=chatgpt.com) | Complete (1)–(8), notes; reliance on complete (4). Latest credit 2011 1st sp.s. c 11 §136. Historical cross-referenced notes not fully authenticated. |\n| **S_WA-P16-S007** | Washington Legislature, RCW 28B.10.016 and .285. [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285&utm_source=chatgpt.com) | Complete .016 and .285(1)–(9). Credits: .016, 1992 c 231 §1; .285, 2018 c 62 §2. S011 supplies amended .285; older 2017 enactment not separately read. |\n| **S_WA-P16-S008** | Washington Legislature, Student Achievement Council / advocate statutes. [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010&utm_source=chatgpt.com) | Complete identified sections. Credits respectively 2021 c 134 §1; 2018 c 62 §1; 2018 c 62 §5; 2012 c 229 §102. Advocate and account originals read in S011; full fiscal-allotment law excluded. |\n| **S_WA-P16-S009** | Washington Legislature, RCW 28B.76.090, Office of Student Financial Assistance. [https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090&utm_source=chatgpt.com) | Complete (1)–(2), credits and note pointers. Latest credit 2012 c 229 §401. Program-by-program eligibility not read. |\n| **S_WA-P16-S010** | Washington Legislature, selected CPA provisions. [https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010](https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020](https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090](https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093](https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093&utm_source=chatgpt.com); [https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170](https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170&utm_source=chatgpt.com) | Each identified section complete. Credits: .010/.020, 1961 c 216; .090/.093, 2009 c 371 §§1–2; .170, 1977 c 49 §1. S017 verifies the 2009 changes/application. District-court incorporation, broader exceptions and judicial construction remain held. |\n| **S_WA-P16-S011** | Washington Legislature, **2018 c 62, E2SSB 6029**, adopted session law. [https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6](https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6&utm_source=chatgpt.com) | Entire parsed act, cover plus printed pp.1–32 / PDF indices 0–32. Particularly §§1–3, 5–18, 20–23. Cover states June 7, 2018 effective date; §21 separately limits the initial timing of DFI duties. Historical text where later amended. |\n| **S_WA-P16-S012** | DFI, **WSR 18-24-013, permanent rules**. [https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm](https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm?utm_source=chatgpt.com) | Header/adoption/effective text; complete adopted 011, 104, 230, 300, 320, 324, 327, 328, 370, 569, 950, 960, 970; selected other portions. Not the whole order. Adopted/filed November 27, 2018; effective January 1, 2019. |\n| **S_WA-P16-S013** | DFI, **WSR 19-21-157, permanent rules**. [https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm](https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm?utm_source=chatgpt.com) | Header; complete adopted 442, 520, 550, 554, 555, 950, 960; complete selected 510(8)–(9), 560(2); part of 490; repealer. Adopted/filed October 22, 2019; effective November 24, 2019. |\n| **S_WA-P16-S014** | DFI, **WSR 22-24-048, permanent rules**. [https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf](https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf?utm_source=chatgpt.com) | Parsed header and complete amended 010, 250, 251, 300, printed pp.1–6 / PDF indices 0–5. Remaining order not fully read. Adopted/filed November 30, 2022; effective December 31, 2022. |\n| **S_WA-P16-S015** | Washington Legislature, **2024 c 249, SSB 6025**, adopted session law. [https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2](https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2&utm_source=chatgpt.com) | Entire parsed act, cover and printed pp.1–7 / PDF indices 0–7. §§2–4 amend scope, violations and licensing consequences; §5 prospective-application clause. Effective June 6, 2024. |\n| **S_WA-P16-S016** | Washington Legislature, **2025 c 194, EHB 1874**, adopted session law. [https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2](https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2&utm_source=chatgpt.com) | Cover; complete §2(34), printed p.7 / PDF index 7, and §4, printed p.8 / PDF index 8; adjacent text also read. Not the whole act. Effective March 1, 2026. |\n| **S_WA-P16-S017** | Washington Legislature, **2009 c 371, SSB 5531**, adopted CPA amendment. [https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1](https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1&utm_source=chatgpt.com) | Entire parsed act, cover and printed pp.1–2 / PDF indices 0–2. §§1–3, including application clause. Effective July 26, 2009. No accrual analysis undertaken. |\n| **S_WA-P16-S018** | DFI, **WSR 25-18-022, proposed rules**. [https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm](https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm?utm_source=chatgpt.com) | Header/status/adoption-intention material only. Filed August 21, 2025. Intended adoption is not actual adoption. Proposed operative text not relied upon. |\n| **S_WA-P16-S019** | DFI, **WSR 26-10-087, preproposal**. [https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm](https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm?utm_source=chatgpt.com) | Complete short notice. Filed May 6, 2026; explains renewed preproposal following the earlier proposal’s age. No adopted rule established by this notice. |\n| **S_WA-P16-S020** | DFI, **WSR 26-18-028, preproposal**. [https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm](https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm?utm_source=chatgpt.com) | Complete short notice. Filed August 25, 2026; agency fee/assessment waiver/refund authority subject. No new borrower refund entitlement inferred. |\n| **S_WA-P16-S021** | Code Reviser, RCW publication index. [https://app.leg.wa.gov/rcw/](https://app.leg.wa.gov/rcw/?utm_source=chatgpt.com) | Publication/currentness paragraphs read. Displayed July 15, 2026 update. Index is not substantive student-loan law or proof against every later change. |\n| **S_WA-P16-S022** | Code Reviser, WAC publication index. [https://app.leg.wa.gov/wac/](https://app.leg.wa.gov/wac/?utm_source=chatgpt.com) | Publication/currentness paragraphs read. Displayed October 7, 2026. Distinguishes online updating from certified archive publication. |\n\n# 3. Atomic consequential claim register\n\nAll claims below are **generic textual findings**, conditional on the relevant scope and version predicates. “Held” identifies an unresolved legal dependency, not an adverse factual finding.\n\n## 3.1 Scope, definitions and exclusions\n\n| Claim ID | Precise assertion | Source/pinpoint and qualification |\n| --- | --- | --- |\n| **S_WA-P16-C001** | DFI and its director administer the Consumer Loan Act framework applicable to covered student-loan servicing. | S001 §§.015(5), (7), .165, .400–.420; S002 student rules. No execution-exemption definition is substituted. |\n| **S_WA-P16-C002** | A student education loan includes a loan solely for personal use financing postsecondary education and attendance costs at an educational institution, including refinancing such a loan. | S001 §.015(32); S002 §011(13). |\n| **S_WA-P16-C003** | The statutory definition excludes specified enrolled-institution payment plans/receivables, open-end consumer credit, reverse and residential mortgage transactions, and other real-property/dwelling-secured loans. | S001 §.015(32), complete exclusion sentence. Refinanced receivables require the separate C022 analysis. |\n| **S_WA-P16-C004** | “Educational institution” incorporates the degree-granting, private-vocational-school and chapter 18.16 school definitions. | S001 §.015(8); S003 §.010; S004 §.020; S005 §.020(34). Each incorporated state definition was read. |\n| **S_WA-P16-C005** | The receivables exclusion’s “higher education institution” is a narrower private, nonprofit, Washington-main-campus, open-admission-category, baccalaureate-or-higher and specified-accreditation definition. | S006 §.020(4): no racial/religious entry restriction; accreditation by the named association or an association recognized by the council for higher education. |\n| **S_WA-P16-C006** | The student borrower definition covers a Washington resident who received or agreed to pay the loan, and a person sharing repayment responsibility with that resident. | S001 §.015(33); S002 §010(40). No separate release entitlement follows. |\n| **S_WA-P16-C007** | A student servicer may be located anywhere; the definition concerns responsibility for servicing a covered loan to a covered borrower. | S001 §.015(34). Actual responsibility and nexus remain unclassified. |\n| **S_WA-P16-C008** | Student servicing includes scheduled-payment receipt/application, modification-related data work, and other administration including collection; paid third-party modification services are excluded from that servicing definition. | S001 §.015(35), (38); S002 §010(41). |\n| **S_WA-P16-C009** | Making a loan—advancing, offering or committing funds—is a distinct statutory activity from servicing; mere ownership is not a substitute for the servicing-activity inquiry. | S001 §.015(14), (16), (34)–(35). No actual owner or assignee is classified. |\n| **S_WA-P16-C010** | The general “servicing a loan” and “loan originator” definitions encountered in these provisions are mortgage-specific; they cannot simply be transferred to student servicing. | S001 §.015(18), (29); S002 §§010(26), 011(8), (11). |\n| **S_WA-P16-C011** | Chapter coverage includes loans to residents or persons physically in Washington and contains anti-evasion language addressing remote methods and absence of a physical Washington location. | S001 §.025(1)–(3). The student-specific resident/shared-responsibility definition must still be considered. |\n| **S_WA-P16-C012** | Business under and as permitted by specified bank, savings, trust, savings-and-loan and credit-union laws is excluded under the stated clauses. | S001 §§.025(4)(a), .905. Charter, activity and incorporated-definition questions remain held; affiliation alone is insufficient. |\n| **S_WA-P16-C013** | The general chapter excludes primarily business, commercial or agricultural loans unless secured by the borrower’s primary dwelling. | S001 §.025(4)(e). That exception does not erase the separate student-definition exclusion for real-property/dwelling security. |\n| **S_WA-P16-C014** | The rule’s student-servicer definition excludes Washington-licensed collection agencies and Washington attorneys when collecting student loans in default under its specified conditions. | S002 §011(14)(a)–(b). Attorney extension is limited to a bona fide legal practice, not an unrelated separate entity. |\n| **S_WA-P16-C015** | Specified trade/technical/vocational/apprentice programs and postsecondary schools servicing their own student loans are licensing-exempt but remain subject to student-servicer requirements. | S001 §.420(1)(a), introductory sentence. Coverage must first exist. |\n| **S_WA-P16-C016** | Persons servicing five or fewer student education loans receive the same licensing-only exemption. | S001 §.420(1)(b). No aggregate-count interpretation beyond the text was established. |\n| **S_WA-P16-C017** | Federal student-loan guarantors qualify for the listed licensing exemption only if they do not also service federal student loans. | S001 §.420(1)(c). |\n| **S_WA-P16-C018** | Federal, state and local governmental categories have the listed licensing exemption only to the extent they service loans they originated. | S001 §.420(1)(d)–(e). A government contractor is not assumed to be the government agency. |\n| **S_WA-P16-C019** | Providers of third-party student-loan modification services are exempt from obtaining and maintaining the chapter license, while separate substantive restrictions apply. | S001 §§.420(2), .415. |\n| **S_WA-P16-C020** | The person claiming an exemption, definition exception or preemption bears the statutory burden of proving it. | S001 §.025(6). No actual proof is evaluated. |\n| **S_WA-P16-C021** | The director has separate discretionary powers to waive licensing provisions and to waive applicability of §.405, subject to the respective commerce/consumer-protection predicates. | S001 §§.025(5), .405(7). No actual waiver or automatic federal-contractor license was established. |\n| **S_WA-P16-C022** | WAC §011(13)(b) expressly addresses refinancing institutional receivables when the student is not enrolled; the statute’s differently structured refinanced-receivable language leaves an enrolled-refinancing construction question. | S001 §.015(32); S002 §011(13). That branch remains held rather than classified by label. |\n\nThe licensing-only exemptions and the default-collection exclusions are express, bounded provisions. [app.leg.wa.gov+1](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420&utm_source=chatgpt.com)\n\n## 3.2 Licensing, financial requirements, continuation and cessation\n\n| Claim ID | Precise assertion | Source/pinpoint and qualification |\n| --- | --- | --- |\n| **S_WA-P16-C023** | Covered licensable activity requires obtaining and maintaining the chapter license; the current rule also addresses remote servicing and holding out. | S001 §.035(1); S002 §230. Exclusions, exemptions and waivers remain separate gates. |\n| **S_WA-P16-C024** | The rules require applicable main/branch locations to be licensed without requiring a Washington physical office; out-of-state records/access and registered-agent conditions remain. | S002 §§250, 251, 300. Mortgage-originator residence exceptions are not generalized to student servicing. |\n| **S_WA-P16-C025** | The ordinary application framework uses NMLS plus Washington-specific material, required fees and investigation; the director has the statutory information-waiver authority. | S001 §.045(1)–(3), (5); S002 §280. This is a procedure finding, not proof of anyone’s authorization. |\n| **S_WA-P16-C026** | Issuance depends on the statutory application, fee, prior-license, criminal-history, fitness and specified prior-modification conditions; a complete qualifying application has a prescribed decision period. | S001 §.055(1)–(2); S002 §370. Quantities appear in Q003–Q004. |\n| **S_WA-P16-C027** | The ordinary bond provisions protect the state and persons with chapter causes of action; the student-servicing-only rule specifies $30,000, subject to the statutory alternative/waiver framework. | S001 §.045(4)–(5); S002 §320(6). Surety aggregate liability is limited to the penal sum. |\n| **S_WA-P16-C028** | A Washington business corporation has a statutory alternative based on a prescribed relationship between outstanding debt and unimpaired capital, surplus and qualifying subordinated debt. | S001 §.045(4); S002 §010(28). Formula and maturity definitions are in Q006; sufficiency for an actual applicant is not determined. |\n| **S_WA-P16-C029** | A student-servicing applicant/licensee must maintain at least $250,000 tangible net worth, calculated using the rule’s deductions. | S001 §.410; S002 §324(1)(a), (5)(a). |\n| **S_WA-P16-C030** | The rule additionally requires liquidity, including operating reserves, equal to at least the prescribed fraction of nationwide unpaid principal. | S002 §324(1)(b), (5)(b); Q008. |\n| **S_WA-P16-C031** | Capital requirements may be waived or adjusted by the director on the stated considerations; financial reporting is annual or more frequent as prescribed. | S002 §324(2)–(4). An application for adjustment is not an approved adjustment. |\n| **S_WA-P16-C032** | The statute authorizes program and advocate funding through specified regulatory fee categories. | S001 §.400. These are regulator-facing charges, not authority to pass them through to borrowers. |\n| **S_WA-P16-C033** | The student-servicing annual assessment uses adjusted Washington loan volume, includes servicing accounts held for investment, and permits an adjustment/waiver application. | S002 §442, complete rule; formula in Q009. |\n| **S_WA-P16-C034** | Annual reports and assessment are subject to the statutory/rule deadlines; cessation does not erase assessment liability for the reporting period. | S001 §§.085, .155; S002 §430 introductory paragraph and (1). |\n| **S_WA-P16-C035** | Late statutory reporting and late rule-required items have specified monetary consequences; the rule separately permits a bond claim using its stated comparison. | S001 §.155; S002 §430(2)–(3)(a). Distinct measures are not automatically stacked. |\n| **S_WA-P16-C036** | Licenses continue subject to surrender, suspension, revocation and assessment-related expiration; the expiration provisions require notice and opportunity to prevent expiration. | S001 §.093(11)–(12); S002 §430(3)(b). |\n| **S_WA-P16-C037** | Cessation/surrender triggers the rule’s NMLS surrender and final-report requirements. | S002 §499(1)–(3); Q013. No surrender was performed. |\n| **S_WA-P16-C038** | Washington loans and activity remain within the director’s investigation/examination authority after cessation under the rule. | S002 §499 final paragraph. The mortgage-specific disposition-report clause is not imported. |\n| **S_WA-P16-C039** | Current §.035 provides that a nonmortgage loan in a transaction violating its license requirement is null, void, uncollectable and unenforceable. | S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version. |\n| **S_WA-P16-C040** | The older WAC §230 refund wording does not resolve the current statute’s application to a later servicing defect or a preexisting lawful loan. | S002 §230(2); S001 §§.035, .093(10); S015 §5. No automatic cancellation from a license event is concluded. |\n\nThe capital and assessment relations are regulatory conditions, not borrower fee or debt formulas. [app.leg.wa.gov+2](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324&utm_source=chatgpt.com)\n\n## 3.3 Payment, charges, information, disputes and transfer\n\n| Claim ID | Precise assertion | Source/pinpoint and qualification |\n| --- | --- | --- |\n| **S_WA-P16-C041** | A student servicer may not materially misrepresent or omit information about claimed payments/fees, loan terms, discharge/forgiveness availability, income-driven repayment or borrower obligations. | S001 §.027(2)(b); general fraud/deception clauses in (1)(a)–(c) also read. |\n| **S_WA-P16-C042** | The statute prohibits inaccurate credit-bureau information that harms creditworthiness, including failure to report favorable as well as unfavorable payment history. | S001 §.027(2)(c). Harm and applicability are retained predicates. |\n| **S_WA-P16-C043** | At-least-annual credit-bureau reporting is required by this clause only when the servicer regularly reports. | S001 §.027(2)(d). This is not a universal furnishing obligation or a deletion rule. |\n| **S_WA-P16-C044** | Communication may not be refused to the borrower or a properly authorized representative; signed written authorization may be reasonably verified. | S001 §.027(2)(e)–(f). |\n| **S_WA-P16-C045** | Advocate communications have a 15-calendar-day response requirement, subject to a shorter reasonable period requested in the communication. | S001 §.027(2)(h). |\n| **S_WA-P16-C046** | Advocate-submitted consumer complaints have a 15-calendar-day response requirement; the licensee may request additional time under the stated 45-calendar-day maximum wording and explanation predicate. | S001 §.027(2)(i). Whether “45” is total or additional is not resolved here. |\n| **S_WA-P16-C047** | Application to one loan or allocation across a group must conform to stated borrower intent, but the clause does not require application contrary to express note terms. | S001 §.027(2)(g); S002 §950(3)(b). No universal highest-rate or proportional allocation rule is inferred. |\n| **S_WA-P16-C048** | The rule generally requires recording payment receipt on the day of delivery to a licensed location during regular working hours, with an express Department of Education contractual-compliance exception. | S002 §550(2). Recording receipt is distinct from crediting. |\n| **S_WA-P16-C049** | Properly directed, sufficiently identified amounts must be accepted and credited or treated as credited within one business day; scheduled accounting has an early-payment/due-date qualification. | S001 §.405(1)(b); S002 §950(3)(b). The rule’s federal-compliance sentence is confined to that subsection. |\n| **S_WA-P16-C050** | Received-but-uncredited payments require notice of disposition, reason and necessary corrective information within the specified period. | S001 §.405(1)(b); S002 §950(3)(c). The rule provides statement/electronic alternatives, but no parallel federal-deemed-compliance sentence in (3)(c). |\n| **S_WA-P16-C051** | Incurred fees have a separate assessment deadline and a separate clear, conspicuous explanation deadline. | S001 §.405(1)(a); S002 §950(3)(a). Timeliness does not independently authorize the charge. |\n| **S_WA-P16-C052** | Servicing fees require authorization under the loan documents, the Act or the borrower; the rule specifically identifies borrower-requested wire transfers. | S002 §569(1). No actual authorization or earned charge is established. |\n| **S_WA-P16-C053** | A default-related service fee must be usual and customary **or** reasonable in light of the service provided, as the rule is written. | S002 §569(2). This wording is not silently changed to the separate third-party-modification standard. |\n| **S_WA-P16-C054** | A borrower charge for a fee paid to a third party may not exceed what the servicer paid. | S002 §569(3). Actual-cost proof is not supplied. |\n| **S_WA-P16-C055** | Fees not timely charged under §.405 must be waived or, if collected, returned within 15 calendar days. | S002 §569(4). The clause does not expressly identify a discovery-based starting date. |\n| **S_WA-P16-C056** | Where §.105(6) governs, the statutory late-payment ceiling is 10% of an installment delinquent at least 10 days; the rule also contains a loan-terms qualification. | S001 §.105(6); S002 §555(3)(c). No agreement is presumed to override the statute, and federal/program limits remain held. |\n| **S_WA-P16-C057** | The incorporated dishonored-payment rule permits $25 **or** the actual financial-institution charge and limits the charge to one fee per instrument despite repeated return. | S002 §§560(2), 569(1); S001 §.105(9). It does not state “$25 plus actual cost.” |\n| **S_WA-P16-C058** | The examined collection-cost clauses address reasonable attorney fees and actual expenses/costs when the debt is referred to an attorney who is not the licensee’s salaried employee. | S001 §.105(7); S002 §555(3)(d). Applicability and actual incurrence remain conditions. |\n| **S_WA-P16-C059** | Absent origination-stage electronic authorization, the rule requires a specific separate authorization document and retention of affirmative agreement. | S002 §950(2). No consent is supplied or inferred. |\n| **S_WA-P16-C060** | Servicers must make reasonable attempts to answer information requests and disputes; a qualifying written request triggers a written response within 15 business days. | S001 §.405(1)(c); S002 §960(1). Required identification, error statement and sufficient detail remain predicates. |\n| **S_WA-P16-C061** | The response must address status, balance/suspense/known shortages, holder/owner/assignee information and an authorized response contact. | S001 §.405(1)(c)(ii)(A)–(D); S002 §960(2). Statutory “default” and rule “past due” wording are not treated as identical classifications. |\n| **S_WA-P16-C062** | Written-request records subject to these provisions must be retained until the loan is paid in full, sold or otherwise satisfied. | S001 §.405(1)(c)(i); S002 §960(1)(a), whose wording covers written information requests more broadly. |\n| **S_WA-P16-C063** | A qualifying detailed request can require the original note or lost-note affidavit, endorsements under the rule, itemized charges and full payment/suspense history. | S001 §.405(2); S002 §960(5). Rule address and federal-compliance qualifications remain. |\n| **S_WA-P16-C064** | The history normally covers at least two years, or the servicer’s shorter tenure with prior-servicer identification if known; a claim to older outstanding sums extends the history back to the claimed month. | S001 §.405(2)(b); S002 §960(5)(b)–(c). |\n| **S_WA-P16-C065** | One detailed statement annually is free; the rule permits a $30 charge for the second and subsequent annual statements. | S001 §.405(2)(b); S002 §960(5)(d). The detailed-request branch and its qualifications must apply. |\n| **S_WA-P16-C066** | Servicer errors must be promptly corrected and fees resulting from the servicer’s error refunded. | S001 §.405(1)(d); S002 §960(3). This is not an automatic principal discharge or refund of every payment. |\n| **S_WA-P16-C067** | The payoff rule requires an exact amount as of a specified date within seven business days after a written request by the borrower of record or authorized representative, with a student federal-program alternative. | S002 §550(1). No actual payoff or date is calculated. |\n| **S_WA-P16-C068** | The outsourcing rule restricts specified servicing/payment/consumer-data functions outside the United States or its territories while listing permitted back-office functions. | S002 §554, complete rule. A particular arrangement is not classified. |\n| **S_WA-P16-C069** | A receiving servicer has a 45–60-day advance notification window and specified contact, timing, terms, history, pending-application and complaint-information duties. | S001 §.405(3)(a)(i)–(vi); S002 §970 receiving-servicer clauses. |\n| **S_WA-P16-C070** | A transferring servicer has the corresponding 45–60-day notification window with its specified timing, contact and unchanged-terms statements. | S001 §.405(4)(a); S002 §970 transferring-servicer clauses. |\n| **S_WA-P16-C071** | Transfer provisions require continued processing of covered modification requests, records supporting uninterrupted plan enrollment, and transmission of pending-request information. | S001 §.405(3)(b)–(c), (4)(b). The rule’s “if applicable/available” qualifications are separately preserved. |\n| **S_WA-P16-C072** | WAC §970’s introductory federal-transfer/Department-of-Education-contract exception is rule-specific; the statute itself states the transfer duties and separately grants waiver authority. | S002 §970; S001 §.405(3)–(4), (7). No contract compliance or waiver is presumed. |\n| **S_WA-P16-C073** | The separate simple-interest definition contains a nonresidential fees/charges → accrued-interest → principal order; it is not used here as a universal student-loan allocation rule. | S001 §§.015(31)(a), .125; S002 §011(12). Loan-making, note, program and statutory-interaction predicates remain held. |\n\nPayment receipt, crediting, information responses and advocate responses therefore have different triggers and, in some instances, different units. [app.leg.wa.gov+3](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550&utm_source=chatgpt.com)\n\n## 3.4 Information, assistance, refinancing and protected-status boundaries\n\n| Claim ID | Precise assertion | Source/pinpoint and qualification |\n| --- | --- | --- |\n| **S_WA-P16-C074** | Licensees have a free, prominent repayment/forgiveness/advocate-information duty and annual correspondence requirement; the rule also describes a toll-free single-contact alternative. | S001 §.405(5); S002 §950(4). The alternative is not assumed to waive unrelated statutory duties. |\n| **S_WA-P16-C075** | A federal discharge/refund application or attempted progress certification triggers a state duty to explain a decision made concerning it. | S001 §.405(1)(e); S002 §960(4). The state clause does not establish federal eligibility or approval. |\n| **S_WA-P16-C076** | A licensee refinancing a federal student loan must give the prescribed clear, conspicuous disclosure about potentially lost federal repayment/forgiveness options. | S001 §.102(5); S002 §510(8)(b). Federal program merits and current availability are not newly verified. |\n| **S_WA-P16-C077** | Negligent delay of student-loan refinancing/modification is prohibited where it causes increased charges or the proposed option to become unavailable. | S002 §550(16). Negligence, causation and the stated harm are necessary. |\n| **S_WA-P16-C078** | The rule requires monthly Department-of-Defense matching, application of applicable entitlements and a written policy, with an applicable-federal-compliance qualification. | S002 §950(5). No database was queried and no underlying military entitlement was determined. |\n| **S_WA-P16-C079** | The examined general servicing provisions do not themselves establish a universal cosigner-release, death/disability discharge, private-loan forbearance or forgiveness entitlement. | Bounded finding from S001 student provisions and S002 §§950–970. Relevant federal, state-program and construction inquiries remain open; absence of a right is not concluded. |\n| **S_WA-P16-C080** | Covered educational institutions have an estimated loan-information duty for enrolled aid applicants/recipients whose loans the institution certifies, including specified debt, repayment and resource categories. | S007 §.285(1)–(3), (8)–(9). Estimates are not guaranteed repayment results. |\n| **S_WA-P16-C081** | The institution’s individual-notice requirement begins July 1, 2018 and applies with new or revised financial-aid packages containing a new or revised student loan. | S007 §.285; S011 §2. No actual aid package is examined. |\n| **S_WA-P16-C082** | Good-faith representations under the specified institutional-information subsection receive the stated liability protection. | S007 §.285(4). This is not blanket institutional or servicer immunity. |\n| **S_WA-P16-C083** | The institution-reporting provision has its own 2019–2025 reporting sequence; that endpoint does not, in the read text, repeal the separate individual-notice duty. | S007 §.285(6); S011 §2. |\n| **S_WA-P16-C084** | Paid third-party student-loan modification providers may not charge or receive consideration before full and complete agreed performance. | S001 §.415(1)(a). No approved service, performance or fee is established. |\n| **S_WA-P16-C085** | Such providers may neither exceed usual/customary total charges nor charge totals unreasonable for the service. | S001 §.415(1)(b). This differs from WAC §569(2)’s disjunctive servicing-fee wording. |\n| **S_WA-P16-C086** | They must immediately provide written information when additional borrower documentation is required or the specified modification/refinancing/consolidation/plan change becomes impossible. | S001 §.415(1)(c). “Immediately” is not converted into an invented day count. |\n| **S_WA-P16-C087** | They may not require or encourage future-rights waivers or waiver of notice before collection proceedings. | S001 §.415(2)(a), (c). Scope is the specified service relationship. |\n| **S_WA-P16-C088** | The complete clause also prohibits specified misleading savings/cost/program/affiliation/credit claims, unagreed charges, communication redirection and changes to borrower login/contact credentials. | S001 §.415(2)(b), (d)–(l). No actual conduct is evaluated. |\n| **S_WA-P16-C089** | The third-party-modification provision incorporates chapter 18.28 and states that chapter 31.04 controls an inconsistency. | S001 §.415(1), (3). Full provider-fee reconciliation remains in its separate component. |\n| **S_WA-P16-C090** | The advocate statute requires an education course and specified public information/assistance functions; its historical establishment/report dates do not themselves establish a current program benefit. | S008 §.007(5)–(7); S011 §1. |\n\nThe newly read information and assistance provisions support process duties, not an affirmative finding that a borrower qualifies for a named federal remedy. [app.leg.wa.gov+2](https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007&utm_source=chatgpt.com)\n\n## 3.5 Supervision, remedies, nonwaiver and limits\n\n| Claim ID | Precise assertion | Source/pinpoint and qualification |\n| --- | --- | --- |\n| **S_WA-P16-C091** | The Student Achievement Council designates the advocate within the Office of Student Financial Assistance; implementation is subject to available appropriated amounts and the advocate-account balance. | S008 §§.007(1), (8), .008, .010(2), (7); S009. Account spending authority and full fiscal law are distinct. |\n| **S_WA-P16-C092** | Complaints involving licensed or licensable servicers are referred to DFI; the advocate collaborates with the Attorney General concerning other servicer complaints, with annual interagency coordination. | S008 §.007(2)–(4); S001 §.420(3). Referral is not an order or recovery. |\n| **S_WA-P16-C093** | Complete loan-history review by the advocate requires written consent; assistance can include program applications and communications. | S008 §.007(5)(b), (g). No consent, record or application is supplied. |\n| **S_WA-P16-C094** | DFI may investigate/examine persons subject to the chapter, including unlicensed persons and records outside Washington, with statutory access and cost provisions. | S001 §.145, complete section. No investigation of an actual actor occurred. |\n| **S_WA-P16-C095** | The subpoena section provides a court-approval mechanism requiring a lawful-investigation declaration and reasonable relationship of the requested material to that investigation. | S001 §.143(1)–(3). Incorporated court fee/process under RCW 36.18.012(3) is held. |\n| **S_WA-P16-C096** | General chapter loan records must be retained for at least three years after final loan entry; obstruction, destruction and concealment restrictions apply. | S001 §.155. The separate student-request retention endpoint remains C062. |\n| **S_WA-P16-C097** | Student portfolio reporting includes volume, default/refinance/modification, loan-type and collection information; specified federal-contract qualification/termination events have a ten-day DFI notice requirement. | S001 §.405(6); S002 §490(3)(f)–(g), (6). No actual federal contract is examined. |\n| **S_WA-P16-C098** | DFI may condition, suspend or revoke a license on the listed grounds, including violations committed knowingly or without due care. | S001 §.093(3). The ground, finding and discretion are retained. |\n| **S_WA-P16-C099** | DFI may impose up to $100 per day per violation on persons within the stated scope. | S001 §.093(4). This is not an automatic private award. |\n| **S_WA-P16-C100** | DFI may order compliance, refunds/restitution for damage caused by a chapter violation, and refund of fees received through a violation. | S001 §.093(5). Causal and receipt predicates differ. |\n| **S_WA-P16-C101** | A temporary cease-and-desist order requires the director’s determination of likely substantial public injury from delay and includes a request-based hearing provision. | S001 §.093(8). The fourteen-day provision is expressly qualified by chapter 34.05. |\n| **S_WA-P16-C102** | The enforcement section distinguishes consent/nonappearance from posthearing findings by a preponderance and contains qualified state cost/attorney-fee recovery. | S001 §.205. Full hearing procedure and merits remain held. |\n| **S_WA-P16-C103** | Surrender does not erase liability for earlier acts; revocation, suspension or surrender does not impair a preexisting lawful borrower contract. | S001 §.093(9)–(10). “Lawful” is a necessary condition; limitation periods are not reopened. |\n| **S_WA-P16-C104** | The good-faith exception concerns civil penalties/criminal liability for conformity with a written DFI notice, interpretation or examination report. | S001 §.175(2). It is not generalized to all private remedies or all informal advice. |\n| **S_WA-P16-C105** | The residual gross-misdemeanor clause is limited to the specified violation/knowing assistance/omitted-duty branches for which no penalty has been prescribed. | S001 §.175(1). No criminal finding is made. |\n| **S_WA-P16-C106** | The statute provides judicial injunction and student-servicer receiver gateways with their respective statutory showings and court roles. | S001 §§.165, .310. A complaint or referral alone does not appoint a receiver or grant an injunction. |\n| **S_WA-P16-C107** | Administrative denials, orders, license sanctions, remedies and review/appeal are governed by the incorporated APA. | S001 §.202. Complete APA procedure is outside this pass. |\n| **S_WA-P16-C108** | Chapter violations are expressly linked to the CPA and public interest, with CPA remedies described as cumulative and nonexclusive. | S001 §.208; S010 §§.020, .093. This does not itself prove every remaining private-action element. |\n| **S_WA-P16-C109** | The CPA private-action text requires injury to business or property by a covered violation and provides the stated injunction/damages/cost/attorney-fee remedies. | S010 §§.010, .090. Causation, actual injury and actual entitlement remain unproved. |\n| **S_WA-P16-C110** | The CPA permits discretionary damage enhancement subject to its three-times-actual-damages language and $25,000 increased-damage-award limit for §.020 violations. | S010 §.090; S017 §1. No award or combined-recovery arithmetic is determined. |\n| **S_WA-P16-C111** | At closing, the chapter prohibits obtaining a release of future usury/other statutory damages or penalties, or a waiver of chapter provisions. | S001 §.027(1)(k). This is not a complete general contract-waiver survey. |\n| **S_WA-P16-C112** | CPA regulatory-permission exceptions and express-remedy limits require separate attention; neither a DFI license nor cumulative-remedy language automatically resolves immunity or duplicate recovery. | S010 §.170; S001 §.208. Full construction and other regulatory incorporations remain held. |\n\nThe sanction, good-faith and CPA provisions were read as separate legal routes with different predicates. [app.leg.wa.gov+4](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093&utm_source=chatgpt.com)\n\n## 3.6 Version and application findings\n\n| Claim ID | Precise assertion | Source/pinpoint and qualification |\n| --- | --- | --- |\n| **S_WA-P16-C113** | The 2018 Act states a June 7, 2018 effective date, while §21 separately postpones specified initial DFI duties until final-rule adoption or January 1, 2019, whichever is sooner. | S011 cover and §21, printed p.32 / PDF index 32. No historical event application is decided. |\n| **S_WA-P16-C114** | The foundational 2018 permanent rule order was adopted/filed November 27, 2018 and states January 1, 2019 effectiveness. | S012 header; selected adopted bodies specified in the register. |\n| **S_WA-P16-C115** | The 2019 permanent amendments were adopted/filed October 22, 2019 and state November 24, 2019 effectiveness. | S013 header. Current selected provisions were compared with adopted text. |\n| **S_WA-P16-C116** | The 2022 permanent order states adoption/filing November 30, 2022 and effectiveness December 31, 2022. | S014 printed p.1 / PDF index 0; selected amended bodies only. |\n| **S_WA-P16-C117** | The 2024 changes apply prospectively and do not apply to a loan issued before June 6, 2024 unless renegotiated or modified after that date. | S015 §5, printed p.7 / PDF index 7; S001 §.025 note. No loan date or modification is supplied. |\n| **S_WA-P16-C118** | The 2025 act containing the current chapter 18.16 school definition has a March 1, 2026 effective clause. | S016 §2(34) and §4. No claim that every word of the school definition was newly changed in 2025. |\n| **S_WA-P16-C119** | The 2025 proposal and two 2026 preproposal notices do not themselves supply adopted operative amendments. | S018–S020. The May notice explains a renewed preproposal; formal withdrawal/expiration law is not inferred. |\n| **S_WA-P16-C120** | Fresh access, compilation metadata, amendment credits and effective/application dates are distinct; the bounded search does not certify the absence of every later amendment, order or judicial development. | S021–S022 and the original-history limits in S011–S020. |\n\n# 4. Quantity, formula, trigger and counting register\n\n**No values are substituted.** Symbols below identify legal bases only. No rounding convention is invented.\n\n**Counting key:** WAC 208-620-010(7) defines a business day as Monday through Friday, excluding federally recognized bank holidays. Where a statute or rule says only “days,” this register preserves that wording. A universal rule for counting the first/last day, mailing extensions, weekend rollover or electronic receipt was not established. Express calendar-day language is identified separately.\n\n| ID | Source-stated measure or relation | Base, reference event, boundary and exception | Claim/source links |\n| --- | --- | --- | --- |\n| **Q001** | Business day: Monday–Friday, excluding federally recognized bank holidays | WAC definition; no universal statutory day-counting inference. | S002 §010(7); C045–C067 |\n| **Q002** | Student-servicing count **≤5 loans** | Licensing-only exemption; text does not resolve every aggregation/counting issue. | C016; S001 §.420(1)(b) |\n| **Q003** | Prior-license lookback **5 years**; specified conviction/banking-law lookback **7 years**; specified unlicensed mortgage-modification history **5 years** | Measured from application filing under §.055; applicant/officer/principal scope differs by clause. | C026; S001 §.055(1)(c)–(f) |\n| **Q004** | Decision **within 90 days** | Complete application plus fees and approved bond; not an incomplete submission. | C026; S001 §.055(2) |\n| **Q005** | Ordinary bond minimum **$30,000**; student-servicing-only rule **$30,000**; surety cancellation effective **45 days after director receives notice** | Aggregate surety liability limited to penal sum; statutory alternative/waiver preserved. | C027; S001 §.045(4); S002 §320(6) |\n| **Q006** | Outstanding debt excluding qualifying subordinated debt **≤3 × (unimpaired capital + surplus + qualifying long-term subordinated debt)** | Washington-business-corporation alternative; qualifying debt initial maturity **≥7 years**, remaining maturity **≥2 years**. | C028; S001 §.045(4); S002 §010(28) |\n| **Q007** | Tangible net worth **≥$250,000** | TNW = total equity − affiliate receivables − goodwill/other intangibles − (pledged-asset carrying value net of associated liabilities). | C029; S002 §324(1)(a), (5)(a) |\n| **Q008** | Liquidity **≥0.00035 × nationwide portfolio unpaid principal balance** | Includes operating reserves; defined liquid assets and available committed servicing-advance lines. Director adjustment possible. | C030–C031; S002 §324 |\n| **Q009** | Annual assessment **=0.0000384616 × adjusted total loan volume** | Volume = prior-year December 31 Washington principal balance **+** Washington principal balance added during assessment year; includes investment-held servicing accounts. No payoff deduction or rounding rule inferred. | C033; S002 §442 |\n| **Q010** | Reports/assessment: **March 1** or **within 30 days of ceasing Washington operations** | Two annual reports and assessment under the rule; statutory annual-report/assessment clauses also apply. | C034; S001 §§.085, .155; S002 §430 |\n| **Q011** | Statutory late report: **$50/day**; rule: **$50 per item per day**, rule maximum **$5,000/reporting year** | Separate statutory/rule measures; additional bond-claim consequences possible. No automatic stacking conclusion. | C035; S001 §.155; S002 §430(2) |\n| **Q012** | Rule bond claim: late penalties **plus greater of** prior assessment, average assessment for previous **2 years**, or **$1,500** | Triggered by failure to file/pay as specified; director “may” claim. | C035; S002 §430(3)(a) |\n| **Q013** | Surrender request **within 10 days**; final reports/fees **within 30 days** of closure | Rule identifies closure/surrender and final-report events separately. | C037; S002 §499(1)–(3) |\n| **Q014** | Expiration on statutory **15th day after notice**, subject to receipt/opportunity; rule receipt presumption **3 days after first-class mailing** | Assessment/reports and address-of-record qualifications remain; no actual expiration calculated. | C036; S001 §.093(12); S002 §430(3)(b) |\n| **Q015** | Incomplete application **≥60 days** plus notice and **≥20 days** to complete | Discretionary denial predicate; not an automatic initial-processing deadline. | C026/C098; S001 §.093(2)(d) |\n| **Q016** | Receipt recorded **on day delivered during regular working hours** | Any licensed location; express federal-contract-compliance exception. | C048; S002 §550(2) |\n| **Q017** | Credit/treat as credited **within 1 business day of receipt** | Instructed address and sufficient information; scheduled accounting permits early regular payment credit no later than due date; rule federal-compliance clause. | C049 |\n| **Q018** | Uncredited-payment notice **within 10 business days** | Receipt without credit; reason/disposition and corrective information; mailing and rule alternatives preserved. | C050 |\n| **Q019** | Fee assessment **within 45 days of incurrence**; explanation **≤30 days after assessment** | Distinct events; unqualified “days”; periodic-statement and consented-email provisions do not supply fee authority. | C051 |\n| **Q020** | Untimely fee: waive, or collected fee returned **within 15 calendar days** | Text does not expressly specify a discovery-date trigger; no such trigger supplied. | C055 |\n| **Q021** | Late penalty **≤0.10 × delinquent installment payment**; delinquency **≥10 days** | Applicable §.105 loan and rule terms; no interest-rate/APR equivalence or actual fee permission. | C056 |\n| **Q022** | Dishonored-payment fee: **$25 OR actual financial-institution charge**; **one fee per instrument** | Check, draft, ACH or other transfer within the rule; repeated presentation does not multiply the fee. No “greater of” or addition invented. | C057 |\n| **Q023** | Third-party fee charged **≤ actual fee paid** | Servicer pass-through limitation; proof of actual payment remains necessary. | C054 |\n| **Q024** | Conditional simple-interest order: unpaid penalties/fees/charges → accumulated interest → principal | Separate regime/application question; not a numerical allocation or a universal student-portfolio rule. | C047/C073 |\n| **Q025** | Information response **within 15 business days of receipt** | Qualifying written request and required detail; limited rule federal-compliance alternative. | C060 |\n| **Q026** | Detailed response **within 15 business days of receipt** | Rule-designated request address and detailed-request prerequisites; rule federal qualification. | C063 |\n| **Q027** | History normally **≥2 years before request receipt** | Shorter servicing tenure and known predecessor; older claimed balance requires history from the claimed month through request date. | C064 |\n| **Q028** | **1 free statement annually**; **$30** for second and subsequent annual statements | Detailed-history branch; “annually” not converted into a rolling or calendar-year convention absent further authority. | C065 |\n| **Q029** | Payoff response **within 7 business days after written request** | Borrower of record/authorized representative; amount as of specified date; applicable federal-program alternative. | C067 |\n| **Q030** | Advocate communication **within 15 calendar days**, or shorter reasonable requested period | Communication from advocate; not borrower information-request timing. | C045 |\n| **Q031** | Advocate-forwarded complaint response **within 15 calendar days**; request for additional time under **maximum 45-calendar-day** wording | Reasonable/necessary explanation required; total-versus-additional construction held. | C046 |\n| **Q032** | Transfer notification lead time **45 ≤ lead days ≤60** | Before effective transfer date; both servicers, different contents. Text not converted into an actual receipt or calendar result. | C069–C072 |\n| **Q033** | Repayment/forgiveness/advocate information **at least once per calendar year** | Free prominent website information and correspondence; rule telephone alternative separately preserved. | C074 |\n| **Q034** | Department-of-Defense matching **monthly** | Applicable entitlements/policy; federal-compliance qualification; no matching performed. | C078 |\n| **Q035** | General records **≥3 years after final loan entry** | Distinct from the student-request endpoint; no mortgage call-recording period imported. | C096 |\n| **Q036** | Student-request records until **paid in full, sold, or otherwise satisfied** | Event-based retention; no substituted number of years. | C062 |\n| **Q037** | DFI federal-contract-event notice **within 10 days after occurrence** | Loss of qualification event or termination notification under the exact clauses. | C097 |\n| **Q038** | Capital reports **annually or more frequently** | As prescribed by director; no actual reporting schedule supplied. | C031 |\n| **Q039** | Administrative fine **≤$100/day/violation** | Director discretion and covered-person/violation predicates. | C099 |\n| **Q040** | Temporary-order hearing **within 14 days of receipt of request**, unless APA specifies otherwise | Request-based safeguard; no universal hearing entitlement divorced from the order/APA. | C101 |\n| **Q041** | CPA discretionary enhancement: **up to 3 times actual damages**, with **$25,000 increased-damage-award limit** for §.020 | Exact statutory concepts preserved; combined-award construction, actual damage and duplicate recovery held. | C110; S010/S017 |\n| **Q042** | Third-party-modification consideration only **after full and complete agreed performance** | No advance-fee amount is authorized; usual/customary and reasonable-total conditions remain. | C084–C085 |\n| **Q043** | Error fee refund: fees **resulting from servicer error**; administrative restitution: damage **caused by violation**; unlawful-fee order: fees **received through violation** | Different causal bases; “promptly,” “reasonable,” “usual/customary,” “immediately” have no invented numerical conversion. | C053/C066/C086/C100 |\n| **Q044** | Attorney fees reasonable; expenses/costs actual; wire fee requires borrower-requested transfer | No verified universal dollar ceiling or entitlement; agreement, Act and other-law predicates remain. | C052/C058 |\n| **Q045** | Historical/currentness dates and reporting endpoints | Complete dates and application relations are in the version table immediately below; no actual deadline calculation. | C081/C083/C090/C113–C120 |\n\n### Version and application quantities\n\n| Version item | Adopted/publication/effective/application relation | Status and limit |\n| --- | --- | --- |\n| 2018 c 62 | Effective **June 7, 2018**; §21 uses final-rule adoption or **January 1, 2019**, whichever sooner, for specified initial DFI duties. | Adopted original read; not a current blanket exemption. |\n| WSR 18-24-013 | Adopted/filed **November 27, 2018**; effective **January 1, 2019**. | Permanent; later amendments separately applied. |\n| WSR 19-21-157 | Adopted/filed **October 22, 2019**; effective **November 24, 2019**. | Permanent; selected current provisions authenticated. |\n| WSR 22-24-048 | Adopted/filed **November 30, 2022**; effective **December 31, 2022**. | Permanent; selected bodies read. |\n| 2024 c 249 | Effective **June 6, 2024**; prospective; older loans excluded unless renegotiated/modified **after** that date. | Adopted original and application clause read. |\n| 2025 c 194 | Effective **March 1, 2026**. | Current effective date has passed; selected school-definition incorporation only. |\n| 2009 c 371 | Effective **July 26, 2009**; application to causes accruing on/after effective date. | Application clause only; accrual/limitation analysis excluded. |\n| Institution notices | Begin **July 1, 2018**; new/revised qualifying aid package triggers. | Separate from reporting sunset. |\n| Institution reporting | Begins **December 1, 2019**, biannually until **December 25, 2025**, as text states. | Historical reporting endpoint; not an inferred repeal of individual notices. |\n| Advocate course/report | Course establishment by **October 1, 2020**; specified report by **December 31, 2020**. | Historical establishment/report duties; continuing functions separately stated. |\n| 2025 proposal | Filed **August 21, 2025**; contemplated adoption date is not proof of adoption. | Proposed only for this report. |\n| May 2026 preproposal | Filed **May 6, 2026**; agency explains renewed process after **more than 180 days** from earlier proposal. | The notice’s explanation is not a finding of formal withdrawal or general expiration law. |\n| August 2026 preproposal | Filed **August 25, 2026**. | Agency-fee/assessment topic; no adopted new borrower remedy. |\n| Compilation versus access | RCW index **July 15, 2026**; WAC index **October 7, 2026**; actual access **October 28, 2026 PDT**. | None is silently substituted for a clause effective date. |\n\n# 5. Conditional branches and exact remaining inquiries\n\nThese are legal dependency branches. They do not supply facts, recommend an action, or authorize an investigation of an actual participant.\n\n| Branch | Missing predicate | Supported consequence if predicate is established | Adverse inference avoided | Exact next generic authority inquiry |\n| --- | --- | --- | --- | --- |\n| **B001 — Loan category** | Personal-use postsecondary loan; qualifying educational institution; exclusion status. | Apply the student-specific definition and duties according to C002–C004. | Every education-related balance is a student education loan. | RCW 31.04.015(32), WAC 208-620-011(13), and the exact institutional definition implicated. |\n| **B002 — Washington nexus** | Resident/shared-responsibility definition versus general physical-presence provision. | The pertinent state scope provisions may apply. | A remote address or loan label alone settles jurisdiction/preemption. | Formal generic interpretation of §§.015(33)–(34), .025(1), and WAC 230. |\n| **B003 — Institutional receivable/refinancing** | Enrollment, institution category and whether the obligation is a refinanced receivable. | The statutory exclusion or refinancing inclusion may operate. | All school balances are excluded, or every refinancing is covered on identical terms. | Reconcile §.015(32)’s complete sentence with WAC 011(13)(b); judicial construction remains outside this pass. |\n| **B004 — Banking exclusion** | Business under and as permitted by the specified banking law; incorporated depository definition where relevant. | The applicable chapter/2018-Act exclusion may operate. | Affiliate status or federal involvement proves exemption. | Federal Deposit Insurance Act §3 as incorporated **as of July 26, 2009**, and the particular generic bank-law scope; no institution lookup. |\n| **B005 — Defaulted collection** | Default, Washington collection-agency/attorney category and legal-service/practice predicates. | WAC 011(14) may exclude the activity from student-servicer status. | Any collector or attorney-connected business is exempt from all law. | Chapter 19.16 generic definitions/licensing exclusions and the precise WAC 011(14) boundary. |\n| **B006 — Licensing-only exemption** | Own-school servicing, loan count, guarantor status or government origination condition. | License may be unnecessary while student-servicing requirements remain. | Exemption erases substantive duties; federal contract automatically supplies state authority. | RCW 31.04.420 and any generic class waiver under §.025(5), without provider records. |\n| **B007 — Unlicensed transaction/version** | Transaction violating §.035(1), relevant loan category, issue/modification chronology and applicable version. | Current §.035’s specified consequence may apply. | Any later servicer-license lapse automatically voids a preexisting lawful loan. | §§.035, .093(10), 2024 c 249 §5 and any adopted generic clarification of the current WAC 230 wording. |\n| **B008 — Bond/capital/mixed activities** | Student-only versus combined activity; qualifying corporation/debt; actual director adjustment. | The relevant bond/capital relation applies. | $30,000 is the entire financial requirement for every mixed business, or an adjustment request is approval. | Complete mixed-activity financial rules and generic waiver/alternative criteria under §§.045, .410 and WAC 320/324. |\n| **B009 — Payment intent/waterfall** | Express note terms; whether the loan-making/simple-interest regime or federal program governs. | Stated intent is respected within the statutory limitation; conditional payment-order rules may apply. | Highest-interest-first, proportional allocation, or universal fees-first treatment. | §§.015(31), .027(2)(g), .125 and WAC 011(12)/950(3)(b), plus the applicable generic federal program rule if later researched. |\n| **B010 — Receipt/credit trigger** | Correct address, sufficient identifying information, regular-hours delivery, accounting method and federal-compliance predicate. | Receipt-recording, crediting and notification duties arise under their distinct clauses. | Dispatch equals receipt; an uncredited payment automatically establishes default or forgiveness. | WAC 550(2), 950(3), and any generic interpretation of electronic/after-hours receipt. |\n| **B011 — Fee authority** | Authorized category, loan terms, applicable statute/program and actual third-party/default service. | Only the supported fee route and ceiling are available. | A disclosure deadline or ceiling authorizes an unagreed or unlawful charge. | WAC 569 with §§.105, .405, WAC 555(3)/560(2), and applicable federal program limits. |\n| **B012 — Federal-compliance alternatives** | Actual applicability and satisfaction of the federal requirement or Department of Education contract. | Only the particular rule’s alternative/deemed-compliance clause may operate. | Federal-loan status removes all state duties. | Exact federal requirements corresponding to WAC 550(1)–(2), 950(3)(b)/(5), 960(1)(b)/(5), and 970; generic waiver authority under §.405(7). |\n| **B013 — Information/dispute/refund** | Qualifying written request, detail/address, error and fee causation. | Response/history/correction/refund duties apply. | A request itself stays every collection activity, deletes reporting, or cancels principal. | §§.405(1)–(2), WAC 960, and separately applicable collection/furnishing law; no actual dispute review. |\n| **B014 — Transfer** | Transfer of servicing, actor role, available records, pending request and federal-contract qualification. | Actor-specific notices, processing and record-preservation duties apply. | Sale of ownership alone proves servicing transfer; a notice establishes compliance. | §.405(3)–(4), WAC 970 and generic interpretation of its “available/applicable” qualifications. |\n| **B015 — Release/discharge/forbearance** | Particular loan/program and operative release, death/disability or repayment rule. | The specific program may supply substantive relief beyond information duties. | C006’s shared-responsibility definition creates release, or state informational language guarantees federal relief. | Current HEA/program provisions and, for private education credit, the relevant TILA/Regulation Z provisions; exact state program statutes separately. |\n| **B016 — Military protection** | Applicable military-law entitlement and federal-compliance route. | State screening/information duties operate alongside the independently established entitlement. | A matching requirement proves an individual’s status or benefit. | Current SCRA/other applicable military provisions and state incorporation; no status query. |\n| **B017 — Federal-loan refinancing** | Covered refinancing and the applicable federal rights/programs. | State loss-of-options disclosure and anti-negligent-delay duties may apply. | Disclosure proves refinancing is beneficial, permissible, or approved. | §.102(5), WAC 510(8)(b)/550(16), then current generic federal program law. |\n| **B018 — Institution information** | Institution scope, enrollment, certification and new/revised loan package. | Estimated information and notice duties may arise. | Estimates are binding balances or the 2025 reporting endpoint ends all notices. | RCW 28B.10.285 and its incorporated institutional definitions; program-specific data authority remains separate. |\n| **B019 — Paid modification assistance** | Compensation, agreed services, full performance and applicability of chapter 18.28. | §.415 restrictions and its conflict rule apply. | License exemption permits advance collection or reopens earlier fee conclusions as settled. | Generic §.415/chapter 18.28 interaction in its own later pass; prior P1/P2 holds preserved. |\n| **B020 — Private recovery** | Business/property injury, causation, violation, defenses and court findings. | CPA remedies may be available within statutory limits. | A violation automatically yields trebling, $25,000, debt cancellation or duplicate recovery. | RCW 19.86.090/.093/.170 and permitted later judicial-construction work; no actual merits. |\n| **B021 — Cessation** | Prior act, lawful preexisting contract and outstanding regulated activity. | Prior liability and statutory supervision can continue. | Surrender erases duties or proves the loan unenforceable. | §§.093(9)–(12), WAC 430/499 and applicable version. |\n| **B022 — Administrative procedure** | Type of order, request, notice and APA qualification. | The specified hearing/review process applies. | Complaint filing automatically creates a stay or permanent sanction. | Complete pertinent chapter 34.05 provisions and incorporated court process, without a proceeding or calendar. |\n| **B023 — Federal preemption and overlays** | Exact actor, loan, activity and federal provision. | State and federal duties must be reconciled under that authority. | A federal label either automatically preempts or automatically preserves every state rule. | HEA preemption/servicing, CFPB/TILA, FCRA, FDCPA/Regulation F, bankruptcy and applicable federal bank law as separate generic inquiries. |\n| **B024 — Separate state education programs** | Particular state program, institutional debt type or aid-disbursement arrangement. | Program-specific rules may add duties or relief. | General servicing research completes all education-credit law. | Chapters 28B.93 and relevant aid-program rules; RCW 28B.10.293 and 28B.77.270 are discovery leads, not completed findings. |\n| **B025 — Other interfaces** | Insurance, privacy, disability, tax, security, local/tribal/interstate or contract rule. | A separately authenticated rule may alter the analysis. | Silence here establishes absence of protection or uniform statewide outcomes. | Exact generic statutory incorporation implicated; full title/security, privacy, insurance and local/tribal regimes remain open. |\n| **B026 — Currentness/history/construction** | Later adopted law, generic waiver, complete older original or controlling construction. | A later source may qualify only the exact affected proposition. | Search failure proves no amendment or protection. | Later official WSR/adoption and session-law checks; targeted older originals; judicial construction reserved and not searched here. |\n\n# 6. Wholly blank conceptual worksheet\n\nEvery entry cell is intentionally blank.\n\n| Analytical field | Entry |\n| --- | --- |\n| Governing statutory definition |  |\n| Relevant rule definition |  |\n| Educational-institution category |  |\n| Territorial predicate |  |\n| Actor role |  |\n| Loan category |  |\n| Exclusion provision |  |\n| Licensing-exemption provision |  |\n| Substantive-duty scope |  |\n| Applicable version |  |\n| Adopted effective/application clause |  |\n| Payment-receipt provision |  |\n| Payment-application provision |  |\n| Fee-authorization provision |  |\n| Information-request provision |  |\n| Transfer provision |  |\n| Federal incorporation requiring research |  |\n| State-program dependency |  |\n| Remedy provision |  |\n| Required causal or knowledge predicate |  |\n| Source and exact pinpoint |  |\n| Unresolved generic authority |  |\n\n# 7. Granular scope coverage and retained boundaries\n\n“Answered” means the specified public text was authenticated, not that an actual legal classification or outcome was resolved.\n\n| Scope item | Disposition | Source/claim/branch links | Exact remaining boundary |\n| --- | --- | --- | --- |\n| **1 — Governing state framework/department** | Answered—text | S001–S002; C001 | Actual actor status and preemption open. |\n| **1 — Student education loan/purpose/refinancing** | Answered—text | C002–C003; B001 | Particular obligation classification absent. |\n| **1 — Private-loan terminology** | Answered—definition separation | C002–C003; B015/B023 | No transplantation of execution definitions; federal private-education definition not completed. |\n| **1 — Borrower/shared responsibility** | Answered—text | C006; B002/B015 | No cosigner-release entitlement inferred. |\n| **1 — Educational definitions** | Answered—incorporated state bodies | S003–S007; C004–C005 | Older historical application chains partly held; no institution lookup. |\n| **1 — Enrolled receivables/refinancing** | Partial—wording interaction | C022; B003 | Formal construction of statute/rule relationship. |\n| **1 — Resident/remote/physical-presence nexus** | Answered—text; application held | C007/C011; B002 | Actual nexus and jurisdiction not reconstructed. |\n| **1 — Originator/owner/servicer/collector** | Answered—role separation | C008–C010/C014 | Collection-law classification and ownership proof remain separate. |\n| **1 — Exclusions/exemptions** | Answered—enumerated gateways | C012–C021 | Other sector statutes and federal definitions are not complete classifications. |\n| **2 — License requirement and ordinary channel** | Answered—text | C023–C026 | DFI operational webpage failed; no actual application or status checked. |\n| **2 — Automatic/streamlined treatment** | Partial—no general automatic route established in read provisions | C015–C021/C025; B006 | Exact generic waiver or other authority would need authentication. |\n| **2 — Locations/out-of-state conditions** | Answered—text | C024 | Mortgage remote-work exceptions not generalized. |\n| **2 — Bond/capital/assessment** | Answered—generic relations | C027–C033; Q005–Q009 | Mixed activity and actual waiver/financial sufficiency held. |\n| **2 — Renewal/retention/expiration** | Answered—text | C034–C036 | Full licensing-reporting system is not reproduced. |\n| **2 — Surrender/cessation/debt validity** | Answered—text; construction held | C037–C040/C103; B007/B021 | Later licensing defect versus prior lawful loan unresolved. |\n| **3 — Receipt/processing/credit** | Answered—distinct triggers | C048–C050 | Federal compliance, address and accounting predicates unprovided. |\n| **3 — Allocation/overpayment/underpayment** | Partial—controlling intent/note relation read | C047/C073; B009 | No universal allocation, automatic overpayment refund or underpayment-default rule established. |\n| **3 — Fees/refunds/collection charges** | Answered—bounded categories/ceilings | C051–C058/C066 | Contract, actual cost, federal limits and full origination pricing excluded. |\n| **3 — Records/statements** | Answered—text | C060–C065/C096 | Mortgage-only record rules not transferred. |\n| **3 — Payoff/account information** | Answered—text | C061/C063/C067 | No actual balance, note, history or payoff examined. |\n| **3 — Errors/disputes** | Answered—response/correction rules | C060/C066 | No universal collection stay or furnishing outcome inferred. |\n| **3 — Communication/representative/electronic consent** | Answered—text | C044–C046/C059 | Authorization, verification and actual receipt remain absent. |\n| **3 — Transfers** | Answered—statute/rule text; qualification held | C069–C072; B014 | Federal contract and statutory/rule interaction not presumed resolved. |\n| **3 — Credit reporting/default/collection** | Partial—student-specific clauses | C041–C043/C061 | Full FCRA/FDCPA/collection and adjudication regimes open. |\n| **4 — Repayment/forgiveness information** | Answered—information duty | C074–C075 | Program eligibility/current federal terms held. |\n| **4 — Refinancing/default prevention** | Answered—disclosure and delay rule | C076–C077 | No advice, approval or mandatory modification inferred. |\n| **4 — Military/protected status** | Partial—state screening duty | C078; B016 | Underlying federal/state entitlement definitions not completed. |\n| **4 — Cosigner/death/disability/forbearance** | Unresolved substantive-relief branch | C079; B015 | Exact program/private-loan authorities required; no absence-of-right finding. |\n| **4 — Institutional information and advocate assistance** | Answered—bounded duties | C080–C093 | No actual aid or assistance approval. |\n| **5 — Examination/records** | Answered—generic authority | C094–C097 | Actual examination, subpoena execution and complete court-fee process excluded. |\n| **5 — Orders/license sanctions/penalties** | Answered—text | C098–C102 | APA, actual findings and discretion remain. |\n| **5 — Refund/restitution** | Answered—separate causal bases | C055/C066/C100 | No amount or actual recovery determined. |\n| **5 — Good faith/criminal boundary** | Answered—express qualifications | C104–C105 | No broader immunity or criminal outcome inferred. |\n| **5 — CPA/private remedy** | Partial—operative incorporation and principal clauses | C108–C112; B020 | Full construction, jurisdiction and duplicate-recovery issues held. |\n| **5 — Nonwaiver/contract** | Answered—identified narrow clauses | C087/C111 | No complete contract-enforceability survey. |\n| **6 — 2018/2019/2022 adopted originals** | Answered within listed read bounds | S011–S014; C113–C116 | Remaining portions/older lineage not represented as read. |\n| **6 — 2024/2025–2026 application changes** | Answered within component | S015–S016; C117–C118 | Historical transaction application remains unprovided. |\n| **6 — Proposed/preproposal status** | Answered—status only | S018–S020; C119 | Later adoption absence not certified. |\n| **6 — Federal and state program regimes** | Excluded/precise dependencies | B015–B017/B023–B024 | HEA, federal consumer law, bankruptcy, program relief and institutional programs open. |\n| **6 — Local/tribal/interstate/privacy/insurance/tax/security** | Excluded/held | B025 | No uniformity or actual applicability conclusion. |\n| **6 — Judicial construction** | Excluded by owner boundary | B003/B007/B020/B026 | No cases, opinions or dockets investigated. |\n| **7 — Fresh official bodies/direct URLs** | Answered | S001–S022 | Scope of every read identified; failures separately logged. |\n| **7 — Adopted versus current codified text** | Answered with explicit gaps | Source register/version table | Older originals and later-change exhaustiveness remain held. |\n| **7 — Numerical and counting completeness** | Answered for relied-on measures | Q001–Q045 | No invented counting, rounding, input or calendar result. |\n| **7 — Failed routes/discovery-only material** | Answered | Read/failure log below | Failure is not absence of law. |\n| **Registry dimension 6 / Washington / A066** | Remain open | Entire retained-scope record | This component supplies no broader acceptance. |\n\n# 8. Actual read, search and failure log\n\nThis log consolidates repeated opens of the same instrument. The source register gives the complete distinct relied-on document set and exact read bounds; the entries below distinguish discovery, operative reading, status checks and failures.\n\n## 8.1 Read and search log\n\n| Log ID | Work actually performed | Result and limit |\n| --- | --- | --- |\n| **L001** | Public-source reading on October 28, 2026 PDT; observed research clock times included 15:23–15:45 PDT. | Access timing only; not a law’s publication or effective date. |\n| **L002** | Official-source searches for Washington student education loans, servicing, chapter 31.04, WAC 208-620, licensing and advocate provisions. | Located the operative bodies in S001–S002 and S008. Search excerpts were discovery, not controlling evidence. |\n| **L003** | Read current selected chapter 31.04 sections individually and, where needed, through the public full-chapter route. | Complete relied-on sections are listed in S001; ordinary origination, mortgage, reverse-mortgage and other sector bodies were not treated as student rules. |\n| **L004** | Read current student-specific WAC rules and necessary general definitions, licensing, fee, record and sanction interfaces. | Complete versus selected bounds are identified in S002. |\n| **L005** | Followed state educational-definition incorporations and the advocate/office/institution-notice provisions. | S003–S009; no institution, student, roster or education record investigation. |\n| **L006** | Read CPA incorporation, definitions, private-action, public-interest and exemption clauses. | S010; full procedure, other regulated sectors and construction remain held. |\n| **L007** | Read 2018 c 62 and 2024 c 249 adopted acts; selected 2025 school-definition act and complete 2009 CPA amendment. | S011/S015–S017. PDF evidence was parsed text, not visual page inspection. |\n| **L008** | Located and read material permanent-rule originals from 2018, 2019 and 2022. | S012–S014. Alternate formats and current codifications were not counted as independent corroboration. |\n| **L009** | Bounded 2025–2026 searches included student-loan amendments, WAC 208-620 permanent-rule status, the 2025 proposal and 2026 rulemaking references. | S018–S020 distinguish proposal/preproposal from adoption. Search failure does not prove no later action. |\n| **L010** | Searches for generic cosigner release, death/disability and private-education-loan protection interfaces. | No universal state relief entitlement was authenticated from the examined general servicing bodies. Program-specific leads remain uncompleted. |\n| **L011** | Discovery leads included chapter 28B.93 state-loan provisions, RCW 28B.10.293, RCW 28B.77.270, WAC 250-65-130 and WAC 131-36-250. | Search leads only for separate program/institutional questions; no numerical or eligibility merits taken from them. |\n| **L012** | Incidental category-screening reads included mortgage-specific WAC 208-620-511, -551, -552 and -520; general licensing-fee/employment provisions -290 and -371; chapter 31.04’s animal-purchase section; and council mission text. | Not transferred into student-servicing findings. Their incidental numerical provisions are not relied upon. |\n| **L013** | Reopened bounded passages where a combined output was truncated or an exact subsection needed confirmation. | These were read-extent corrections, not repeated failed access attempts. No truncated material is represented as read merely because a call returned. |\n| **L014** | Read the current RCW and WAC publication paragraphs. | Actual body dates were used: July 15 and October 7, 2026. Older search metadata was not promoted over the opened body. |\n| **L015** | Compared current rule language with the 2024 licensing amendment and with statutory student duties. | Exact version/qualification tensions remain B007/B012/B014, rather than being resolved through a favorable assumption. |\n\n## 8.2 Bounded failures and materially different routes\n\n| Failure ID | Exact attempted route / operation | Actual result | Different ordinary route and disposition |\n| --- | --- | --- | --- |\n| **F001** | [https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027](https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027) | Individual-section retrieval returned an inaccessible/internal-error result. | Public full-chapter route succeeded; complete §.027 and credits read. This closes only that body-access gap. |\n| **F002** | [https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970](https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970) | Individual-section retrieval failed. | Public full-chapter route and adopted 2018 HTML supplied the complete rule. The failed route remains recorded. |\n| **F003** | Find operation for §21 on the already located 2018 session-law PDF | The find operation returned an inaccessible/internal-error result. | Opening the previously retrieved PDF reference at the relevant parsed-text location succeeded. The PDF was not declared wholly unavailable. |\n| **F004** | [https://dfi.wa.gov/industry/student-education-loan-servicers](https://dfi.wa.gov/industry/student-education-loan-servicers?utm_source=chatgpt.com) | HTTP 403; body not read. | Current statutory licensing provisions and WAC 230/280/300 supplied the generic legal/application framework. The DFI operational webpage itself remains unread. |\n\nNo identical failed route was repeatedly retried. No access-control bypass, authentication, contact or records request was used.\n\n# 9. Remaining source and construction gaps\n\nThe principal unresolved matters are specific:\n\n1. **Federal incorporations and program predicates.** The historical FDIA definition incorporated by §.015(6), applicable federal servicing programs/contracts, HEA preemption, private-education-credit law, and military entitlements were not completed. State references to those subjects are preserved as references, not federal merits findings.\n2. **Statute/rule interactions.** The enrolled-receivable refinancing wording; the 2024 §.035 consequence versus older WAC 230 text; the exact operation of federal-compliance alternatives; transfer qualifications; and the 45-calendar-day advocate extension remain construction branches.\n3. **Actual authorization and classification.** No provider, school, borrower, cosigner, loan, contract, exemption, waiver, federal compliance or licensing status was investigated. A current procedure does not establish actual authorization.\n4. **Historical originals.** The material student-loan enactment, major student-rule orders, 2024 amendment and identified 2025/2026 incorporation were read. Some older general licensing, fee, recordkeeping and institutional-definition original chains remain uncompleted. Their current codified bodies were read, but no historical application conclusion is supplied.\n5. **Operational webpage gap.** The DFI industry page remained inaccessible. Its search description was not used as a substitute for its body or for legal permission.\n6. **Separate regimes.** State loan/aid programs, institutional debt and transcripts, insurance, privacy, tax, secured-collateral consequences, local/tribal/interstate law, federal collection/reporting/bankruptcy and full judicial construction remain open.\n\n## Researcher self-check — not independent review\n\n- The substantive findings above come from the newly read public authorities identified in the register. Supplied coordinator overlap metadata was used only to preserve scope.\n- Complete readings and selected readings are distinguished. Search results, indexes, inaccessible pages and proposed rules were not represented as completed operative authority.\n- Current codification, adopted original, proposal/preproposal, historical reporting endpoint and source-access date were kept separate.\n- The student-loan definition was not replaced with the earlier private-student execution-exemption definition.\n- Licensing-only exemptions were not converted into blanket substantive exemptions. Federal program references were not converted into eligibility, forgiveness, discharge or preemption findings.\n- Payment receipt, crediting, fee assessment, notice, information response, advocate response and transfer events were kept distinct.\n- Every numerical measure actually relied upon is registered, including symbolic financial relations, express inequalities, event-based limits and counting unknowns.\n- No actual or invented participant, financial input, medical fact, loan history, completed form, calendar result or outcome was supplied or evaluated.\n- No case, opinion, docket, provider record or institution-specific policy was investigated.\n- This pass does not close the earlier reports’ holds and does not constitute Washington, registry dimension 6, A066, parent, operational or publication acceptance.\n\nEND S_WA PASS-16.\n\n","tables":[{"headers":["Category or distinction","Finding from newly read authority","Boundary retained"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Category or distinction","Finding from newly read authority","Boundary retained"],["Student education loan","RCW 31.04.015(32) uses a personal-use, postsecondary-education/cost-of-attendance definition and includes refinancing.","It is not the private-student-debt definition used in the execution-exemption statutes."],["Private versus federally connected loan","The general student-loan definition is not restricted to private loans. Particular government-originated loans, guarantors, and federal-compliance provisions have separate conditions.","A guarantee, ownership, or program label does not settle all state-law coverage or federal preemption."],["Borrower and shared repayment responsibility","The definition includes a Washington resident who received or agreed to pay the loan and a person sharing repayment responsibility with that resident.","This does not itself create a cosigner-release right."],["Origination versus servicing","Advancing or committing funds is distinguished from receiving/applying payments, modification-related data work, and administration or collection.","No general student-loan individual “mortgage loan originator” requirement is inferred from mortgage definitions."],["Ownership versus servicing","Servicer status turns on responsibility for servicing activities, wherever the person is located.","Ownership, an assignment, or an account description does not establish actual servicing responsibility or enforcement capacity."],["Defaulted-loan collection","WAC 208-620-011(14) excludes specified Washington-licensed collection agencies and attorneys when collecting student loans in default.","The default, licensing, legal-services, and bona fide-practice predicates remain necessary. Other collection law is not completed here."],["Licensing exemption","RCW 31.04.420 expressly leaves specified actors subject to student-servicer requirements while excusing a license.","The exemption is not a general exemption from substantive duties."],["Chapter exclusion","RCW 31.04.025(4)(a) and .905 address business conducted under, and as permitted by, specified banking and credit-union laws.","An affiliation, charter description, or marketing label does not establish the exclusion."],["Borrower assistance","The student loan advocate provides assistance, complaint review/referral, education, and specified consent-based review.","Assistance is not an adjudication, approved program, stay, refund award, or discharge."],["Paid third-party modification","RCW 31.04.415 establishes a separate set of restrictions, including a performance-before-compensation condition.","Its chapter 18.28 interface is identified but the earlier provider-fee disputes are not reopened."],["Rule versus statute","The current WAC includes particular federal-compliance alternatives and transfer qualifications alongside the statutory duties.","No actual federal compliance, contract, director waiver, or resolution of a construction dispute is presumed."],["Administrative versus private remedy","DFI powers and the Consumer Protection Act (CPA) incorporation are separately stated.","A violation, complaint, license event, or mathematical loss does not establish an actual award or debt outcome."]]},{"headers":["Evidence category","Treatment in this pass"],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Evidence category","Treatment in this pass"],["Earlier private-student wage, bank, and property exemptions","Scope context only. No substantive reuse or regeneration."],["Earlier general court, limitation, mortgage, provider, or medical findings","Not substantive premises."],["New sector evidence","The current sections, rules, and originals in the source register below."],["Remaining gap","Federal program/preemption law, particular institutional programs, actual classification, judicial construction, and the expressly identified historical/incorporation gaps."]]},{"headers":["Section and direct literal URL","Actual read extent and use","Displayed credit / history qualification"],"index":2,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905"}]],"rows":[["Section and direct literal URL","Actual read extent and use","Displayed credit / history qualification"],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015","Complete (1)–(39), credits and notes; student definitions, role distinctions, incorporated definitions.","2018 c 62 §9; adopted reproduction read in S011. Federal incorporated definitions remain separately held."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025","Complete (1)–(7), credits and application notes.","2024 c 249 §2; 2023 c 275 §15 also credited. S015 supplies the 2024 text and prospective-application clause."],["§31.04.027 at https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true","Complete (1)–(3), credits and notes. Individual-section route failed; chapter body succeeded.","2024 c 249 §3; 2021 c 15 §1; 2018 c 62 §11. Current text reproduced in S015; no separate 2021 effective-date finding."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035","Complete section, license requirement and transaction consequences.","2024 c 249 §4; S015 application limitation is material."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045","Complete (1)–(5), notes; application, bond, alternative, waiver.","2015 c 229 §22. Earlier original history not independently completed."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055","Complete (1)–(2), all issuance conditions and denial/decision provisions.","2010 c 35 §4; original not independently read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085","Complete section; annual assessment and continuing liability.","2010 c 35 §5; original not independently read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093","Complete (1)–(13). Licensing, sanctions, surrender and contract preservation used; limitation sentence excluded from merits.","2018 c 62 §13; S011 read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102","Complete (1)–(6); reliance limited principally to (5), federal-student-loan refinancing disclosure.","2018 c 62 §14; S011 read. Federal TILA incorporation not completed."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105","Complete (1)–(10); reliance on (6), (7), (9) for bounded servicing-charge interfaces.","2015 c 229 §28. General origination/pricing and insurance regimes excluded."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125","Complete (1)–(4); read to identify the separate loan-making/simple-interest/prepayment interface.","2007 c 208 §1. No general origination or prepayment calculation finding made."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143","Complete (1)–(3), credits and note.","2011 c 93 §9. Retrieved body carried an older crawl marker; incorporated court fee/process not completed."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145","Complete (1)–(6); examination and investigation authority.","2018 c 62 §15; S011 read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155","Complete section; records, report and late-report consequence.","2013 c 29 §8; original not independently read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165","Complete section; administration, rulemaking and judicial enforcement gateway.","2018 c 62 §16; S011 read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175","Complete (1)–(2); residual offense and written-DFI-guidance good-faith qualification.","2001 c 81 §14; older original not independently read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202","Complete section; APA incorporation.","2001 c 81 §15. Full chapter 34.05 procedure held."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205","Complete section; enforcement discretion, hearing finding and cost recovery.","2015 c 229 §30; original not independently read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208","Complete section; CPA incorporation and cumulative-remedy statement.","2001 c 81 §17; current CPA clauses separately read in S010."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310","Complete section; receiver gateway.","2018 c 62 §18; S011 read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400","Complete section; program/advocate fee authority.","2018 c 62 §3. Current fund-allocation incorporation not completed."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405","Complete (1)–(8), including all response, transfer, information and waiver clauses.","2018 c 62 §6; S011 read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410","Complete section; liquidity, reserves and tangible-net-worth authority.","2018 c 62 §7; S011 read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415","Complete (1)–(3), including every listed third-party-modification restriction.","2018 c 62 §8; S011 read. Chapter 18.28 merits remain separate."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420","Complete (1)–(3), all licensing-exempt categories.","2018 c 62 §10; S011 read."],["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905","Complete section; 2018 Act banking exclusion.","2018 c 62 §20; S011 read."]]},{"headers":["Rule and direct literal URL","Actual read extent / reliance","Displayed latest credit and original-status qualification"],"index":3,"links":[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324&utm_sourc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and direct literal URL","Actual read extent / reliance","Displayed latest credit and original-status qualification"],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010","Complete relied-on definitions, particularly (7), (19), (26), (28), (40), (41); other portions read, no whole-chapter claim.","WSR 22-24-048; effective December 31, 2022. Complete amended definition section read in S014."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011","Complete (1)–(14); interpretive definitions and default-collection exclusions.","WSR 18-24-013; January 1, 2019; S012."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230","Complete rule; licensing and older refund language.","WSR 18-24-013; S012. Comparison with 2024 statute expressly held where consequential."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250","Complete rule; location/physical-presence distinction.","WSR 22-24-048; S014."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251","Complete rule; out-of-state records/access and registered-agent condition.","WSR 22-24-048; S014."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280","Complete (1)–(3); generic application channel and responsibility.","WSR 13-24-024; January 1, 2014 as credited; original not read."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300","Complete rule; student-servicing branch-location requirement.","WSR 22-24-048; S014."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320","Complete (1)–(6); reliance on the student-servicing-only branch, with mixed-activity limits retained.","WSR 18-24-013; S012."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324","Complete (1)–(5), including both financial definitions.","WSR 18-24-013; S012."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370","Complete rule; licensing-fitness/denial interface.","WSR 18-24-013; S012."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430","Complete rule; annual reporting, penalties, bond-claim and expiration qualifications. Its numerical illustration is not reproduced.","WSR 13-24-024; original not read."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442","Complete rule; assessment base, multiplier, portfolio and adjustment request.","WSR 19-21-157; November 24, 2019; S013."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490","Complete current rule read; reliance limited to (3)(f)–(g) and (6).","WSR 19-21-157. Original (1)–part of (4) read; no claim to have read the whole original rule."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499","Complete rule; cessation and continuing authority. Mortgage-only subsection kept separate.","WSR 18-16-024; September 1, 2018 as credited; original not read."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510","Complete selected (8)–(9); student-refinancing disclosure used.","Latest rule credit WSR 22-24-048. Original 2019 selected disclosure text read; no claim that the 2022 order changed that particular clause."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550","Complete (1)–(24); reliance principally on payoff, payment receipt and negligent student-refinancing/modification delay.","WSR 19-21-157; S013 complete rule read."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554","Complete rule; servicing-location restrictions and permitted back-office categories.","WSR 19-21-157; S013 complete rule read. Current-page retrieval carried an older crawl marker."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555","Complete rule; reliance on (3)(c)–(d), not mortgage/origination pricing.","WSR 19-21-157; S013 complete rule read."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560","Complete current rule; reliance on (2), expressly incorporated by student-fee rule.","WSR 19-21-157; complete original (2) read."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569","Complete (1)–(4), all fee conditions.","WSR 18-24-013; S012."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950","Complete (1)–(5), including every federal-compliance and communication qualification.","WSR 19-21-157; complete 2018 and 2019 adopted versions read."],["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960","Complete (1)–(5), including the detailed-history and repeat-statement branches.","WSR 19-21-157; complete 2018 and 2019 adopted versions read."],["§208-620-970 at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true","Complete rule through the chapter route, including introductory federal-contract exception and both transfer roles. Individual-section route failed.","WSR 18-24-013; complete adopted rule read in S012."]]},{"headers":["Source ID","Issuer/title and complete literal URL","Actual read bounds, edition/status and material limitation"],"index":4,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm"},{"href":"https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm"},{"href":"https://app.leg.wa.gov/rcw/?utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/"},{"href":"https://app.leg.wa.gov/wac/?utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090"}],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093"},{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1&utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm"}],[{"href":"https://app.leg.wa.gov/rcw/?utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/"}],[{"href":"https://app.leg.wa.gov/wac/?utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/"}]],"rows":[["Source ID","Issuer/title and complete literal URL","Actual read bounds, edition/status and material limitation"],["S_WA-P16-S003","Washington Legislature, RCW 28B.85.010, degree-granting definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010","Complete (1)–(3), credits/notes. Current HTML; latest credit 2012 c 229 §542. Older original/application chain not completed."],["S_WA-P16-S004","Washington Legislature, RCW 28C.10.020, private-vocational-school definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020","Complete (1)–(12), credits; reliance on institutional/program definitions. Latest credit 2007 c 462 §1."],["S_WA-P16-S005","Washington Legislature, RCW 18.16.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020","Complete (1)–(37), notes; reliance on school definition (34). Latest credit 2025 c 194 §2; material effective clause checked in S016."],["S_WA-P16-S006","Washington Legislature, RCW 28B.07.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020","Complete (1)–(8), notes; reliance on complete (4). Latest credit 2011 1st sp.s. c 11 §136. Historical cross-referenced notes not fully authenticated."],["S_WA-P16-S007","Washington Legislature, RCW 28B.10.016 and .285. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285","Complete .016 and .285(1)–(9). Credits: .016, 1992 c 231 §1; .285, 2018 c 62 §2. S011 supplies amended .285; older 2017 enactment not separately read."],["S_WA-P16-S008","Washington Legislature, Student Achievement Council / advocate statutes. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010","Complete identified sections. Credits respectively 2021 c 134 §1; 2018 c 62 §1; 2018 c 62 §5; 2012 c 229 §102. Advocate and account originals read in S011; full fiscal-allotment law excluded."],["S_WA-P16-S009","Washington Legislature, RCW 28B.76.090, Office of Student Financial Assistance. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090","Complete (1)–(2), credits and note pointers. Latest credit 2012 c 229 §401. Program-by-program eligibility not read."],["S_WA-P16-S010","Washington Legislature, selected CPA provisions. https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170","Each identified section complete. Credits: .010/.020, 1961 c 216; .090/.093, 2009 c 371 §§1–2; .170, 1977 c 49 §1. S017 verifies the 2009 changes/application. District-court incorporation, broader exceptions and judicial construction remain held."],["S_WA-P16-S011","Washington Legislature, 2018 c 62, E2SSB 6029, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6","Entire parsed act, cover plus printed pp.1–32 / PDF indices 0–32. Particularly §§1–3, 5–18, 20–23. Cover states June 7, 2018 effective date; §21 separately limits the initial timing of DFI duties. Historical text where later amended."],["S_WA-P16-S012","DFI, WSR 18-24-013, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm","Header/adoption/effective text; complete adopted 011, 104, 230, 300, 320, 324, 327, 328, 370, 569, 950, 960, 970; selected other portions. Not the whole order. Adopted/filed November 27, 2018; effective January 1, 2019."],["S_WA-P16-S013","DFI, WSR 19-21-157, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm","Header; complete adopted 442, 520, 550, 554, 555, 950, 960; complete selected 510(8)–(9), 560(2); part of 490; repealer. Adopted/filed October 22, 2019; effective November 24, 2019."],["S_WA-P16-S014","DFI, WSR 22-24-048, permanent rules. https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf","Parsed header and complete amended 010, 250, 251, 300, printed pp.1–6 / PDF indices 0–5. Remaining order not fully read. Adopted/filed November 30, 2022; effective December 31, 2022."],["S_WA-P16-S015","Washington Legislature, 2024 c 249, SSB 6025, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2","Entire parsed act, cover and printed pp.1–7 / PDF indices 0–7. §§2–4 amend scope, violations and licensing consequences; §5 prospective-application clause. Effective June 6, 2024."],["S_WA-P16-S016","Washington Legislature, 2025 c 194, EHB 1874, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2","Cover; complete §2(34), printed p.7 / PDF index 7, and §4, printed p.8 / PDF index 8; adjacent text also read. Not the whole act. Effective March 1, 2026."],["S_WA-P16-S017","Washington Legislature, 2009 c 371, SSB 5531, adopted CPA amendment. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1","Entire parsed act, cover and printed pp.1–2 / PDF indices 0–2. §§1–3, including application clause. Effective July 26, 2009. No accrual analysis undertaken."],["S_WA-P16-S018","DFI, WSR 25-18-022, proposed rules. https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm","Header/status/adoption-intention material only. Filed August 21, 2025. Intended adoption is not actual adoption. Proposed operative text not relied upon."],["S_WA-P16-S019","DFI, WSR 26-10-087, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm","Complete short notice. Filed May 6, 2026; explains renewed preproposal following the earlier proposal’s age. No adopted rule established by this notice."],["S_WA-P16-S020","DFI, WSR 26-18-028, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm","Complete short notice. Filed August 25, 2026; agency fee/assessment waiver/refund authority subject. No new borrower refund entitlement inferred."],["S_WA-P16-S021","Code Reviser, RCW publication index. https://app.leg.wa.gov/rcw/","Publication/currentness paragraphs read. Displayed July 15, 2026 update. Index is not substantive student-loan law or proof against every later change."],["S_WA-P16-S022","Code Reviser, WAC publication index. https://app.leg.wa.gov/wac/","Publication/currentness paragraphs read. Displayed October 7, 2026. Distinguishes online updating from certified archive publication."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint and qualification"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint and qualification"],["S_WA-P16-C001","DFI and its director administer the Consumer Loan Act framework applicable to covered student-loan servicing.","S001 §§.015(5), (7), .165, .400–.420; S002 student rules. No execution-exemption definition is substituted."],["S_WA-P16-C002","A student education loan includes a loan solely for personal use financing postsecondary education and attendance costs at an educational institution, including refinancing such a loan.","S001 §.015(32); S002 §011(13)."],["S_WA-P16-C003","The statutory definition excludes specified enrolled-institution payment plans/receivables, open-end consumer credit, reverse and residential mortgage transactions, and other real-property/dwelling-secured loans.","S001 §.015(32), complete exclusion sentence. Refinanced receivables require the separate C022 analysis."],["S_WA-P16-C004","“Educational institution” incorporates the degree-granting, private-vocational-school and chapter 18.16 school definitions.","S001 §.015(8); S003 §.010; S004 §.020; S005 §.020(34). Each incorporated state definition was read."],["S_WA-P16-C005","The receivables exclusion’s “higher education institution” is a narrower private, nonprofit, Washington-main-campus, open-admission-category, baccalaureate-or-higher and specified-accreditation definition.","S006 §.020(4): no racial/religious entry restriction; accreditation by the named association or an association recognized by the council for higher education."],["S_WA-P16-C006","The student borrower definition covers a Washington resident who received or agreed to pay the loan, and a person sharing repayment responsibility with that resident.","S001 §.015(33); S002 §010(40). No separate release entitlement follows."],["S_WA-P16-C007","A student servicer may be located anywhere; the definition concerns responsibility for servicing a covered loan to a covered borrower.","S001 §.015(34). Actual responsibility and nexus remain unclassified."],["S_WA-P16-C008","Student servicing includes scheduled-payment receipt/application, modification-related data work, and other administration including collection; paid third-party modification services are excluded from that servicing definition.","S001 §.015(35), (38); S002 §010(41)."],["S_WA-P16-C009","Making a loan—advancing, offering or committing funds—is a distinct statutory activity from servicing; mere ownership is not a substitute for the servicing-activity inquiry.","S001 §.015(14), (16), (34)–(35). No actual owner or assignee is classified."],["S_WA-P16-C010","The general “servicing a loan” and “loan originator” definitions encountered in these provisions are mortgage-specific; they cannot simply be transferred to student servicing.","S001 §.015(18), (29); S002 §§010(26), 011(8), (11)."],["S_WA-P16-C011","Chapter coverage includes loans to residents or persons physically in Washington and contains anti-evasion language addressing remote methods and absence of a physical Washington location.","S001 §.025(1)–(3). The student-specific resident/shared-responsibility definition must still be considered."],["S_WA-P16-C012","Business under and as permitted by specified bank, savings, trust, savings-and-loan and credit-union laws is excluded under the stated clauses.","S001 §§.025(4)(a), .905. Charter, activity and incorporated-definition questions remain held; affiliation alone is insufficient."],["S_WA-P16-C013","The general chapter excludes primarily business, commercial or agricultural loans unless secured by the borrower’s primary dwelling.","S001 §.025(4)(e). That exception does not erase the separate student-definition exclusion for real-property/dwelling security."],["S_WA-P16-C014","The rule’s student-servicer definition excludes Washington-licensed collection agencies and Washington attorneys when collecting student loans in default under its specified conditions.","S002 §011(14)(a)–(b). Attorney extension is limited to a bona fide legal practice, not an unrelated separate entity."],["S_WA-P16-C015","Specified trade/technical/vocational/apprentice programs and postsecondary schools servicing their own student loans are licensing-exempt but remain subject to student-servicer requirements.","S001 §.420(1)(a), introductory sentence. Coverage must first exist."],["S_WA-P16-C016","Persons servicing five or fewer student education loans receive the same licensing-only exemption.","S001 §.420(1)(b). No aggregate-count interpretation beyond the text was established."],["S_WA-P16-C017","Federal student-loan guarantors qualify for the listed licensing exemption only if they do not also service federal student loans.","S001 §.420(1)(c)."],["S_WA-P16-C018","Federal, state and local governmental categories have the listed licensing exemption only to the extent they service loans they originated.","S001 §.420(1)(d)–(e). A government contractor is not assumed to be the government agency."],["S_WA-P16-C019","Providers of third-party student-loan modification services are exempt from obtaining and maintaining the chapter license, while separate substantive restrictions apply.","S001 §§.420(2), .415."],["S_WA-P16-C020","The person claiming an exemption, definition exception or preemption bears the statutory burden of proving it.","S001 §.025(6). No actual proof is evaluated."],["S_WA-P16-C021","The director has separate discretionary powers to waive licensing provisions and to waive applicability of §.405, subject to the respective commerce/consumer-protection predicates.","S001 §§.025(5), .405(7). No actual waiver or automatic federal-contractor license was established."],["S_WA-P16-C022","WAC §011(13)(b) expressly addresses refinancing institutional receivables when the student is not enrolled; the statute’s differently structured refinanced-receivable language leaves an enrolled-refinancing construction question.","S001 §.015(32); S002 §011(13). That branch remains held rather than classified by label."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint and qualification"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint and qualification"],["S_WA-P16-C023","Covered licensable activity requires obtaining and maintaining the chapter license; the current rule also addresses remote servicing and holding out.","S001 §.035(1); S002 §230. Exclusions, exemptions and waivers remain separate gates."],["S_WA-P16-C024","The rules require applicable main/branch locations to be licensed without requiring a Washington physical office; out-of-state records/access and registered-agent conditions remain.","S002 §§250, 251, 300. Mortgage-originator residence exceptions are not generalized to student servicing."],["S_WA-P16-C025","The ordinary application framework uses NMLS plus Washington-specific material, required fees and investigation; the director has the statutory information-waiver authority.","S001 §.045(1)–(3), (5); S002 §280. This is a procedure finding, not proof of anyone’s authorization."],["S_WA-P16-C026","Issuance depends on the statutory application, fee, prior-license, criminal-history, fitness and specified prior-modification conditions; a complete qualifying application has a prescribed decision period.","S001 §.055(1)–(2); S002 §370. Quantities appear in Q003–Q004."],["S_WA-P16-C027","The ordinary bond provisions protect the state and persons with chapter causes of action; the student-servicing-only rule specifies $30,000, subject to the statutory alternative/waiver framework.","S001 §.045(4)–(5); S002 §320(6). Surety aggregate liability is limited to the penal sum."],["S_WA-P16-C028","A Washington business corporation has a statutory alternative based on a prescribed relationship between outstanding debt and unimpaired capital, surplus and qualifying subordinated debt.","S001 §.045(4); S002 §010(28). Formula and maturity definitions are in Q006; sufficiency for an actual applicant is not determined."],["S_WA-P16-C029","A student-servicing applicant/licensee must maintain at least $250,000 tangible net worth, calculated using the rule’s deductions.","S001 §.410; S002 §324(1)(a), (5)(a)."],["S_WA-P16-C030","The rule additionally requires liquidity, including operating reserves, equal to at least the prescribed fraction of nationwide unpaid principal.","S002 §324(1)(b), (5)(b); Q008."],["S_WA-P16-C031","Capital requirements may be waived or adjusted by the director on the stated considerations; financial reporting is annual or more frequent as prescribed.","S002 §324(2)–(4). An application for adjustment is not an approved adjustment."],["S_WA-P16-C032","The statute authorizes program and advocate funding through specified regulatory fee categories.","S001 §.400. These are regulator-facing charges, not authority to pass them through to borrowers."],["S_WA-P16-C033","The student-servicing annual assessment uses adjusted Washington loan volume, includes servicing accounts held for investment, and permits an adjustment/waiver application.","S002 §442, complete rule; formula in Q009."],["S_WA-P16-C034","Annual reports and assessment are subject to the statutory/rule deadlines; cessation does not erase assessment liability for the reporting period.","S001 §§.085, .155; S002 §430 introductory paragraph and (1)."],["S_WA-P16-C035","Late statutory reporting and late rule-required items have specified monetary consequences; the rule separately permits a bond claim using its stated comparison.","S001 §.155; S002 §430(2)–(3)(a). Distinct measures are not automatically stacked."],["S_WA-P16-C036","Licenses continue subject to surrender, suspension, revocation and assessment-related expiration; the expiration provisions require notice and opportunity to prevent expiration.","S001 §.093(11)–(12); S002 §430(3)(b)."],["S_WA-P16-C037","Cessation/surrender triggers the rule’s NMLS surrender and final-report requirements.","S002 §499(1)–(3); Q013. No surrender was performed."],["S_WA-P16-C038","Washington loans and activity remain within the director’s investigation/examination authority after cessation under the rule.","S002 §499 final paragraph. The mortgage-specific disposition-report clause is not imported."],["S_WA-P16-C039","Current §.035 provides that a nonmortgage loan in a transaction violating its license requirement is null, void, uncollectable and unenforceable.","S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version."],["S_WA-P16-C040","The older WAC §230 refund wording does not resolve the current statute’s application to a later servicing defect or a preexisting lawful loan.","S002 §230(2); S001 §§.035, .093(10); S015 §5. No automatic cancellation from a license event is concluded."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint and qualification"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint and qualification"],["S_WA-P16-C041","A student servicer may not materially misrepresent or omit information about claimed payments/fees, loan terms, discharge/forgiveness availability, income-driven repayment or borrower obligations.","S001 §.027(2)(b); general fraud/deception clauses in (1)(a)–(c) also read."],["S_WA-P16-C042","The statute prohibits inaccurate credit-bureau information that harms creditworthiness, including failure to report favorable as well as unfavorable payment history.","S001 §.027(2)(c). Harm and applicability are retained predicates."],["S_WA-P16-C043","At-least-annual credit-bureau reporting is required by this clause only when the servicer regularly reports.","S001 §.027(2)(d). This is not a universal furnishing obligation or a deletion rule."],["S_WA-P16-C044","Communication may not be refused to the borrower or a properly authorized representative; signed written authorization may be reasonably verified.","S001 §.027(2)(e)–(f)."],["S_WA-P16-C045","Advocate communications have a 15-calendar-day response requirement, subject to a shorter reasonable period requested in the communication.","S001 §.027(2)(h)."],["S_WA-P16-C046","Advocate-submitted consumer complaints have a 15-calendar-day response requirement; the licensee may request additional time under the stated 45-calendar-day maximum wording and explanation predicate.","S001 §.027(2)(i). Whether “45” is total or additional is not resolved here."],["S_WA-P16-C047","Application to one loan or allocation across a group must conform to stated borrower intent, but the clause does not require application contrary to express note terms.","S001 §.027(2)(g); S002 §950(3)(b). No universal highest-rate or proportional allocation rule is inferred."],["S_WA-P16-C048","The rule generally requires recording payment receipt on the day of delivery to a licensed location during regular working hours, with an express Department of Education contractual-compliance exception.","S002 §550(2). Recording receipt is distinct from crediting."],["S_WA-P16-C049","Properly directed, sufficiently identified amounts must be accepted and credited or treated as credited within one business day; scheduled accounting has an early-payment/due-date qualification.","S001 §.405(1)(b); S002 §950(3)(b). The rule’s federal-compliance sentence is confined to that subsection."],["S_WA-P16-C050","Received-but-uncredited payments require notice of disposition, reason and necessary corrective information within the specified period.","S001 §.405(1)(b); S002 §950(3)(c). The rule provides statement/electronic alternatives, but no parallel federal-deemed-compliance sentence in (3)(c)."],["S_WA-P16-C051","Incurred fees have a separate assessment deadline and a separate clear, conspicuous explanation deadline.","S001 §.405(1)(a); S002 §950(3)(a). Timeliness does not independently authorize the charge."],["S_WA-P16-C052","Servicing fees require authorization under the loan documents, the Act or the borrower; the rule specifically identifies borrower-requested wire transfers.","S002 §569(1). No actual authorization or earned charge is established."],["S_WA-P16-C053","A default-related service fee must be usual and customary or reasonable in light of the service provided, as the rule is written.","S002 §569(2). This wording is not silently changed to the separate third-party-modification standard."],["S_WA-P16-C054","A borrower charge for a fee paid to a third party may not exceed what the servicer paid.","S002 §569(3). Actual-cost proof is not supplied."],["S_WA-P16-C055","Fees not timely charged under §.405 must be waived or, if collected, returned within 15 calendar days.","S002 §569(4). The clause does not expressly identify a discovery-based starting date."],["S_WA-P16-C056","Where §.105(6) governs, the statutory late-payment ceiling is 10% of an installment delinquent at least 10 days; the rule also contains a loan-terms qualification.","S001 §.105(6); S002 §555(3)(c). No agreement is presumed to override the statute, and federal/program limits remain held."],["S_WA-P16-C057","The incorporated dishonored-payment rule permits $25 or the actual financial-institution charge and limits the charge to one fee per instrument despite repeated return.","S002 §§560(2), 569(1); S001 §.105(9). It does not state “$25 plus actual cost.”"],["S_WA-P16-C058","The examined collection-cost clauses address reasonable attorney fees and actual expenses/costs when the debt is referred to an attorney who is not the licensee’s salaried employee.","S001 §.105(7); S002 §555(3)(d). Applicability and actual incurrence remain conditions."],["S_WA-P16-C059","Absent origination-stage electronic authorization, the rule requires a specific separate authorization document and retention of affirmative agreement.","S002 §950(2). No consent is supplied or inferred."],["S_WA-P16-C060","Servicers must make reasonable attempts to answer information requests and disputes; a qualifying written request triggers a written response within 15 business days.","S001 §.405(1)(c); S002 §960(1). Required identification, error statement and sufficient detail remain predicates."],["S_WA-P16-C061","The response must address status, balance/suspense/known shortages, holder/owner/assignee information and an authorized response contact.","S001 §.405(1)(c)(ii)(A)–(D); S002 §960(2). Statutory “default” and rule “past due” wording are not treated as identical classifications."],["S_WA-P16-C062","Written-request records subject to these provisions must be retained until the loan is paid in full, sold or otherwise satisfied.","S001 §.405(1)(c)(i); S002 §960(1)(a), whose wording covers written information requests more broadly."],["S_WA-P16-C063","A qualifying detailed request can require the original note or lost-note affidavit, endorsements under the rule, itemized charges and full payment/suspense history.","S001 §.405(2); S002 §960(5). Rule address and federal-compliance qualifications remain."],["S_WA-P16-C064","The history normally covers at least two years, or the servicer’s shorter tenure with prior-servicer identification if known; a claim to older outstanding sums extends the history back to the claimed month.","S001 §.405(2)(b); S002 §960(5)(b)–(c)."],["S_WA-P16-C065","One detailed statement annually is free; the rule permits a $30 charge for the second and subsequent annual statements.","S001 §.405(2)(b); S002 §960(5)(d). The detailed-request branch and its qualifications must apply."],["S_WA-P16-C066","Servicer errors must be promptly corrected and fees resulting from the servicer’s error refunded.","S001 §.405(1)(d); S002 §960(3). This is not an automatic principal discharge or refund of every payment."],["S_WA-P16-C067","The payoff rule requires an exact amount as of a specified date within seven business days after a written request by the borrower of record or authorized representative, with a student federal-program alternative.","S002 §550(1). No actual payoff or date is calculated."],["S_WA-P16-C068","The outsourcing rule restricts specified servicing/payment/consumer-data functions outside the United States or its territories while listing permitted back-office functions.","S002 §554, complete rule. A particular arrangement is not classified."],["S_WA-P16-C069","A receiving servicer has a 45–60-day advance notification window and specified contact, timing, terms, history, pending-application and complaint-information duties.","S001 §.405(3)(a)(i)–(vi); S002 §970 receiving-servicer clauses."],["S_WA-P16-C070","A transferring servicer has the corresponding 45–60-day notification window with its specified timing, contact and unchanged-terms statements.","S001 §.405(4)(a); S002 §970 transferring-servicer clauses."],["S_WA-P16-C071","Transfer provisions require continued processing of covered modification requests, records supporting uninterrupted plan enrollment, and transmission of pending-request information.","S001 §.405(3)(b)–(c), (4)(b). The rule’s “if applicable/available” qualifications are separately preserved."],["S_WA-P16-C072","WAC §970’s introductory federal-transfer/Department-of-Education-contract exception is rule-specific; the statute itself states the transfer duties and separately grants waiver authority.","S002 §970; S001 §.405(3)–(4), (7). No contract compliance or waiver is presumed."],["S_WA-P16-C073","The separate simple-interest definition contains a nonresidential fees/charges → accrued-interest → principal order; it is not used here as a universal student-loan allocation rule.","S001 §§.015(31)(a), .125; S002 §011(12). Loan-making, note, program and statutory-interaction predicates remain held."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint and qualification"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint and qualification"],["S_WA-P16-C074","Licensees have a free, prominent repayment/forgiveness/advocate-information duty and annual correspondence requirement; the rule also describes a toll-free single-contact alternative.","S001 §.405(5); S002 §950(4). The alternative is not assumed to waive unrelated statutory duties."],["S_WA-P16-C075","A federal discharge/refund application or attempted progress certification triggers a state duty to explain a decision made concerning it.","S001 §.405(1)(e); S002 §960(4). The state clause does not establish federal eligibility or approval."],["S_WA-P16-C076","A licensee refinancing a federal student loan must give the prescribed clear, conspicuous disclosure about potentially lost federal repayment/forgiveness options.","S001 §.102(5); S002 §510(8)(b). Federal program merits and current availability are not newly verified."],["S_WA-P16-C077","Negligent delay of student-loan refinancing/modification is prohibited where it causes increased charges or the proposed option to become unavailable.","S002 §550(16). Negligence, causation and the stated harm are necessary."],["S_WA-P16-C078","The rule requires monthly Department-of-Defense matching, application of applicable entitlements and a written policy, with an applicable-federal-compliance qualification.","S002 §950(5). No database was queried and no underlying military entitlement was determined."],["S_WA-P16-C079","The examined general servicing provisions do not themselves establish a universal cosigner-release, death/disability discharge, private-loan forbearance or forgiveness entitlement.","Bounded finding from S001 student provisions and S002 §§950–970. Relevant federal, state-program and construction inquiries remain open; absence of a right is not concluded."],["S_WA-P16-C080","Covered educational institutions have an estimated loan-information duty for enrolled aid applicants/recipients whose loans the institution certifies, including specified debt, repayment and resource categories.","S007 §.285(1)–(3), (8)–(9). Estimates are not guaranteed repayment results."],["S_WA-P16-C081","The institution’s individual-notice requirement begins July 1, 2018 and applies with new or revised financial-aid packages containing a new or revised student loan.","S007 §.285; S011 §2. No actual aid package is examined."],["S_WA-P16-C082","Good-faith representations under the specified institutional-information subsection receive the stated liability protection.","S007 §.285(4). This is not blanket institutional or servicer immunity."],["S_WA-P16-C083","The institution-reporting provision has its own 2019–2025 reporting sequence; that endpoint does not, in the read text, repeal the separate individual-notice duty.","S007 §.285(6); S011 §2."],["S_WA-P16-C084","Paid third-party student-loan modification providers may not charge or receive consideration before full and complete agreed performance.","S001 §.415(1)(a). No approved service, performance or fee is established."],["S_WA-P16-C085","Such providers may neither exceed usual/customary total charges nor charge totals unreasonable for the service.","S001 §.415(1)(b). This differs from WAC §569(2)’s disjunctive servicing-fee wording."],["S_WA-P16-C086","They must immediately provide written information when additional borrower documentation is required or the specified modification/refinancing/consolidation/plan change becomes impossible.","S001 §.415(1)(c). “Immediately” is not converted into an invented day count."],["S_WA-P16-C087","They may not require or encourage future-rights waivers or waiver of notice before collection proceedings.","S001 §.415(2)(a), (c). Scope is the specified service relationship."],["S_WA-P16-C088","The complete clause also prohibits specified misleading savings/cost/program/affiliation/credit claims, unagreed charges, communication redirection and changes to borrower login/contact credentials.","S001 §.415(2)(b), (d)–(l). No actual conduct is evaluated."],["S_WA-P16-C089","The third-party-modification provision incorporates chapter 18.28 and states that chapter 31.04 controls an inconsistency.","S001 §.415(1), (3). Full provider-fee reconciliation remains in its separate component."],["S_WA-P16-C090","The advocate statute requires an education course and specified public information/assistance functions; its historical establishment/report dates do not themselves establish a current program benefit.","S008 §.007(5)–(7); S011 §1."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint and qualification"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint and qualification"],["S_WA-P16-C091","The Student Achievement Council designates the advocate within the Office of Student Financial Assistance; implementation is subject to available appropriated amounts and the advocate-account balance.","S008 §§.007(1), (8), .008, .010(2), (7); S009. Account spending authority and full fiscal law are distinct."],["S_WA-P16-C092","Complaints involving licensed or licensable servicers are referred to DFI; the advocate collaborates with the Attorney General concerning other servicer complaints, with annual interagency coordination.","S008 §.007(2)–(4); S001 §.420(3). Referral is not an order or recovery."],["S_WA-P16-C093","Complete loan-history review by the advocate requires written consent; assistance can include program applications and communications.","S008 §.007(5)(b), (g). No consent, record or application is supplied."],["S_WA-P16-C094","DFI may investigate/examine persons subject to the chapter, including unlicensed persons and records outside Washington, with statutory access and cost provisions.","S001 §.145, complete section. No investigation of an actual actor occurred."],["S_WA-P16-C095","The subpoena section provides a court-approval mechanism requiring a lawful-investigation declaration and reasonable relationship of the requested material to that investigation.","S001 §.143(1)–(3). Incorporated court fee/process under RCW 36.18.012(3) is held."],["S_WA-P16-C096","General chapter loan records must be retained for at least three years after final loan entry; obstruction, destruction and concealment restrictions apply.","S001 §.155. The separate student-request retention endpoint remains C062."],["S_WA-P16-C097","Student portfolio reporting includes volume, default/refinance/modification, loan-type and collection information; specified federal-contract qualification/termination events have a ten-day DFI notice requirement.","S001 §.405(6); S002 §490(3)(f)–(g), (6). No actual federal contract is examined."],["S_WA-P16-C098","DFI may condition, suspend or revoke a license on the listed grounds, including violations committed knowingly or without due care.","S001 §.093(3). The ground, finding and discretion are retained."],["S_WA-P16-C099","DFI may impose up to $100 per day per violation on persons within the stated scope.","S001 §.093(4). This is not an automatic private award."],["S_WA-P16-C100","DFI may order compliance, refunds/restitution for damage caused by a chapter violation, and refund of fees received through a violation.","S001 §.093(5). Causal and receipt predicates differ."],["S_WA-P16-C101","A temporary cease-and-desist order requires the director’s determination of likely substantial public injury from delay and includes a request-based hearing provision.","S001 §.093(8). The fourteen-day provision is expressly qualified by chapter 34.05."],["S_WA-P16-C102","The enforcement section distinguishes consent/nonappearance from posthearing findings by a preponderance and contains qualified state cost/attorney-fee recovery.","S001 §.205. Full hearing procedure and merits remain held."],["S_WA-P16-C103","Surrender does not erase liability for earlier acts; revocation, suspension or surrender does not impair a preexisting lawful borrower contract.","S001 §.093(9)–(10). “Lawful” is a necessary condition; limitation periods are not reopened."],["S_WA-P16-C104","The good-faith exception concerns civil penalties/criminal liability for conformity with a written DFI notice, interpretation or examination report.","S001 §.175(2). It is not generalized to all private remedies or all informal advice."],["S_WA-P16-C105","The residual gross-misdemeanor clause is limited to the specified violation/knowing assistance/omitted-duty branches for which no penalty has been prescribed.","S001 §.175(1). No criminal finding is made."],["S_WA-P16-C106","The statute provides judicial injunction and student-servicer receiver gateways with their respective statutory showings and court roles.","S001 §§.165, .310. A complaint or referral alone does not appoint a receiver or grant an injunction."],["S_WA-P16-C107","Administrative denials, orders, license sanctions, remedies and review/appeal are governed by the incorporated APA.","S001 §.202. Complete APA procedure is outside this pass."],["S_WA-P16-C108","Chapter violations are expressly linked to the CPA and public interest, with CPA remedies described as cumulative and nonexclusive.","S001 §.208; S010 §§.020, .093. This does not itself prove every remaining private-action element."],["S_WA-P16-C109","The CPA private-action text requires injury to business or property by a covered violation and provides the stated injunction/damages/cost/attorney-fee remedies.","S010 §§.010, .090. Causation, actual injury and actual entitlement remain unproved."],["S_WA-P16-C110","The CPA permits discretionary damage enhancement subject to its three-times-actual-damages language and $25,000 increased-damage-award limit for §.020 violations.","S010 §.090; S017 §1. No award or combined-recovery arithmetic is determined."],["S_WA-P16-C111","At closing, the chapter prohibits obtaining a release of future usury/other statutory damages or penalties, or a waiver of chapter provisions.","S001 §.027(1)(k). This is not a complete general contract-waiver survey."],["S_WA-P16-C112","CPA regulatory-permission exceptions and express-remedy limits require separate attention; neither a DFI license nor cumulative-remedy language automatically resolves immunity or duplicate recovery.","S010 §.170; S001 §.208. Full construction and other regulatory incorporations remain held."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint and qualification"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint and qualification"],["S_WA-P16-C113","The 2018 Act states a June 7, 2018 effective date, while §21 separately postpones specified initial DFI duties until final-rule adoption or January 1, 2019, whichever is sooner.","S011 cover and §21, printed p.32 / PDF index 32. No historical event application is decided."],["S_WA-P16-C114","The foundational 2018 permanent rule order was adopted/filed November 27, 2018 and states January 1, 2019 effectiveness.","S012 header; selected adopted bodies specified in the register."],["S_WA-P16-C115","The 2019 permanent amendments were adopted/filed October 22, 2019 and state November 24, 2019 effectiveness.","S013 header. Current selected provisions were compared with adopted text."],["S_WA-P16-C116","The 2022 permanent order states adoption/filing November 30, 2022 and effectiveness December 31, 2022.","S014 printed p.1 / PDF index 0; selected amended bodies only."],["S_WA-P16-C117","The 2024 changes apply prospectively and do not apply to a loan issued before June 6, 2024 unless renegotiated or modified after that date.","S015 §5, printed p.7 / PDF index 7; S001 §.025 note. No loan date or modification is supplied."],["S_WA-P16-C118","The 2025 act containing the current chapter 18.16 school definition has a March 1, 2026 effective clause.","S016 §2(34) and §4. No claim that every word of the school definition was newly changed in 2025."],["S_WA-P16-C119","The 2025 proposal and two 2026 preproposal notices do not themselves supply adopted operative amendments.","S018–S020. The May notice explains a renewed preproposal; formal withdrawal/expiration law is not inferred."],["S_WA-P16-C120","Fresh access, compilation metadata, amendment credits and effective/application dates are distinct; the bounded search does not certify the absence of every later amendment, order or judicial development.","S021–S022 and the original-history limits in S011–S020."]]},{"headers":["ID","Source-stated measure or relation","Base, reference event, boundary and exception","Claim/source links"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Source-stated measure or relation","Base, reference event, boundary and exception","Claim/source links"],["Q001","Business day: Monday–Friday, excluding federally recognized bank holidays","WAC definition; no universal statutory day-counting inference.","S002 §010(7); C045–C067"],["Q002","Student-servicing count ≤5 loans","Licensing-only exemption; text does not resolve every aggregation/counting issue.","C016; S001 §.420(1)(b)"],["Q003","Prior-license lookback 5 years; specified conviction/banking-law lookback 7 years; specified unlicensed mortgage-modification history 5 years","Measured from application filing under §.055; applicant/officer/principal scope differs by clause.","C026; S001 §.055(1)(c)–(f)"],["Q004","Decision within 90 days","Complete application plus fees and approved bond; not an incomplete submission.","C026; S001 §.055(2)"],["Q005","Ordinary bond minimum $30,000; student-servicing-only rule $30,000; surety cancellation effective 45 days after director receives notice","Aggregate surety liability limited to penal sum; statutory alternative/waiver preserved.","C027; S001 §.045(4); S002 §320(6)"],["Q006","Outstanding debt excluding qualifying subordinated debt ≤3 × (unimpaired capital + surplus + qualifying long-term subordinated debt)","Washington-business-corporation alternative; qualifying debt initial maturity ≥7 years, remaining maturity ≥2 years.","C028; S001 §.045(4); S002 §010(28)"],["Q007","Tangible net worth ≥$250,000","TNW = total equity − affiliate receivables − goodwill/other intangibles − (pledged-asset carrying value net of associated liabilities).","C029; S002 §324(1)(a), (5)(a)"],["Q008","Liquidity ≥0.00035 × nationwide portfolio unpaid principal balance","Includes operating reserves; defined liquid assets and available committed servicing-advance lines. Director adjustment possible.","C030–C031; S002 §324"],["Q009","Annual assessment =0.0000384616 × adjusted total loan volume","Volume = prior-year December 31 Washington principal balance + Washington principal balance added during assessment year; includes investment-held servicing accounts. No payoff deduction or rounding rule inferred.","C033; S002 §442"],["Q010","Reports/assessment: March 1 or within 30 days of ceasing Washington operations","Two annual reports and assessment under the rule; statutory annual-report/assessment clauses also apply.","C034; S001 §§.085, .155; S002 §430"],["Q011","Statutory late report: $50/day; rule: $50 per item per day, rule maximum $5,000/reporting year","Separate statutory/rule measures; additional bond-claim consequences possible. No automatic stacking conclusion.","C035; S001 §.155; S002 §430(2)"],["Q012","Rule bond claim: late penalties plus greater of prior assessment, average assessment for previous 2 years, or $1,500","Triggered by failure to file/pay as specified; director “may” claim.","C035; S002 §430(3)(a)"],["Q013","Surrender request within 10 days; final reports/fees within 30 days of closure","Rule identifies closure/surrender and final-report events separately.","C037; S002 §499(1)–(3)"],["Q014","Expiration on statutory 15th day after notice, subject to receipt/opportunity; rule receipt presumption 3 days after first-class mailing","Assessment/reports and address-of-record qualifications remain; no actual expiration calculated.","C036; S001 §.093(12); S002 §430(3)(b)"],["Q015","Incomplete application ≥60 days plus notice and ≥20 days to complete","Discretionary denial predicate; not an automatic initial-processing deadline.","C026/C098; S001 §.093(2)(d)"],["Q016","Receipt recorded on day delivered during regular working hours","Any licensed location; express federal-contract-compliance exception.","C048; S002 §550(2)"],["Q017","Credit/treat as credited within 1 business day of receipt","Instructed address and sufficient information; scheduled accounting permits early regular payment credit no later than due date; rule federal-compliance clause.","C049"],["Q018","Uncredited-payment notice within 10 business days","Receipt without credit; reason/disposition and corrective information; mailing and rule alternatives preserved.","C050"],["Q019","Fee assessment within 45 days of incurrence; explanation ≤30 days after assessment","Distinct events; unqualified “days”; periodic-statement and consented-email provisions do not supply fee authority.","C051"],["Q020","Untimely fee: waive, or collected fee returned within 15 calendar days","Text does not expressly specify a discovery-date trigger; no such trigger supplied.","C055"],["Q021","Late penalty ≤0.10 × delinquent installment payment; delinquency ≥10 days","Applicable §.105 loan and rule terms; no interest-rate/APR equivalence or actual fee permission.","C056"],["Q022","Dishonored-payment fee: $25 OR actual financial-institution charge; one fee per instrument","Check, draft, ACH or other transfer within the rule; repeated presentation does not multiply the fee. No “greater of” or addition invented.","C057"],["Q023","Third-party fee charged ≤ actual fee paid","Servicer pass-through limitation; proof of actual payment remains necessary.","C054"],["Q024","Conditional simple-interest order: unpaid penalties/fees/charges → accumulated interest → principal","Separate regime/application question; not a numerical allocation or a universal student-portfolio rule.","C047/C073"],["Q025","Information response within 15 business days of receipt","Qualifying written request and required detail; limited rule federal-compliance alternative.","C060"],["Q026","Detailed response within 15 business days of receipt","Rule-designated request address and detailed-request prerequisites; rule federal qualification.","C063"],["Q027","History normally ≥2 years before request receipt","Shorter servicing tenure and known predecessor; older claimed balance requires history from the claimed month through request date.","C064"],["Q028","1 free statement annually; $30 for second and subsequent annual statements","Detailed-history branch; “annually” not converted into a rolling or calendar-year convention absent further authority.","C065"],["Q029","Payoff response within 7 business days after written request","Borrower of record/authorized representative; amount as of specified date; applicable federal-program alternative.","C067"],["Q030","Advocate communication within 15 calendar days, or shorter reasonable requested period","Communication from advocate; not borrower information-request timing.","C045"],["Q031","Advocate-forwarded complaint response within 15 calendar days; request for additional time under maximum 45-calendar-day wording","Reasonable/necessary explanation required; total-versus-additional construction held.","C046"],["Q032","Transfer notification lead time 45 ≤ lead days ≤60","Before effective transfer date; both servicers, different contents. Text not converted into an actual receipt or calendar result.","C069–C072"],["Q033","Repayment/forgiveness/advocate information at least once per calendar year","Free prominent website information and correspondence; rule telephone alternative separately preserved.","C074"],["Q034","Department-of-Defense matching monthly","Applicable entitlements/policy; federal-compliance qualification; no matching performed.","C078"],["Q035","General records ≥3 years after final loan entry","Distinct from the student-request endpoint; no mortgage call-recording period imported.","C096"],["Q036","Student-request records until paid in full, sold, or otherwise satisfied","Event-based retention; no substituted number of years.","C062"],["Q037","DFI federal-contract-event notice within 10 days after occurrence","Loss of qualification event or termination notification under the exact clauses.","C097"],["Q038","Capital reports annually or more frequently","As prescribed by director; no actual reporting schedule supplied.","C031"],["Q039","Administrative fine ≤$100/day/violation","Director discretion and covered-person/violation predicates.","C099"],["Q040","Temporary-order hearing within 14 days of receipt of request, unless APA specifies otherwise","Request-based safeguard; no universal hearing entitlement divorced from the order/APA.","C101"],["Q041","CPA discretionary enhancement: up to 3 times actual damages, with $25,000 increased-damage-award limit for §.020","Exact statutory concepts preserved; combined-award construction, actual damage and duplicate recovery held.","C110; S010/S017"],["Q042","Third-party-modification consideration only after full and complete agreed performance","No advance-fee amount is authorized; usual/customary and reasonable-total conditions remain.","C084–C085"],["Q043","Error fee refund: fees resulting from servicer error; administrative restitution: damage caused by violation; unlawful-fee order: fees received through violation","Different causal bases; “promptly,” “reasonable,” “usual/customary,” “immediately” have no invented numerical conversion.","C053/C066/C086/C100"],["Q044","Attorney fees reasonable; expenses/costs actual; wire fee requires borrower-requested transfer","No verified universal dollar ceiling or entitlement; agreement, Act and other-law predicates remain.","C052/C058"],["Q045","Historical/currentness dates and reporting endpoints","Complete dates and application relations are in the version table immediately below; no actual deadline calculation.","C081/C083/C090/C113–C120"]]},{"headers":["Version item","Adopted/publication/effective/application relation","Status and limit"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Version item","Adopted/publication/effective/application relation","Status and limit"],["2018 c 62","Effective June 7, 2018; §21 uses final-rule adoption or January 1, 2019, whichever sooner, for specified initial DFI duties.","Adopted original read; not a current blanket exemption."],["WSR 18-24-013","Adopted/filed November 27, 2018; effective January 1, 2019.","Permanent; later amendments separately applied."],["WSR 19-21-157","Adopted/filed October 22, 2019; effective November 24, 2019.","Permanent; selected current provisions authenticated."],["WSR 22-24-048","Adopted/filed November 30, 2022; effective December 31, 2022.","Permanent; selected bodies read."],["2024 c 249","Effective June 6, 2024; prospective; older loans excluded unless renegotiated/modified after that date.","Adopted original and application clause read."],["2025 c 194","Effective March 1, 2026.","Current effective date has passed; selected school-definition incorporation only."],["2009 c 371","Effective July 26, 2009; application to causes accruing on/after effective date.","Application clause only; accrual/limitation analysis excluded."],["Institution notices","Begin July 1, 2018; new/revised qualifying aid package triggers.","Separate from reporting sunset."],["Institution reporting","Begins December 1, 2019, biannually until December 25, 2025, as text states.","Historical reporting endpoint; not an inferred repeal of individual notices."],["Advocate course/report","Course establishment by October 1, 2020; specified report by December 31, 2020.","Historical establishment/report duties; continuing functions separately stated."],["2025 proposal","Filed August 21, 2025; contemplated adoption date is not proof of adoption.","Proposed only for this report."],["May 2026 preproposal","Filed May 6, 2026; agency explains renewed process after more than 180 days from earlier proposal.","The notice’s explanation is not a finding of formal withdrawal or general expiration law."],["August 2026 preproposal","Filed August 25, 2026.","Agency-fee/assessment topic; no adopted new borrower remedy."],["Compilation versus access","RCW index July 15, 2026; WAC index October 7, 2026; actual access October 28, 2026 PDT.","None is silently substituted for a clause effective date."]]},{"headers":["Branch","Missing predicate","Supported consequence if predicate is established","Adverse inference avoided","Exact next generic authority inquiry"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Missing predicate","Supported consequence if predicate is established","Adverse inference avoided","Exact next generic authority inquiry"],["B001 — Loan category","Personal-use postsecondary loan; qualifying educational institution; exclusion status.","Apply the student-specific definition and duties according to C002–C004.","Every education-related balance is a student education loan.","RCW 31.04.015(32), WAC 208-620-011(13), and the exact institutional definition implicated."],["B002 — Washington nexus","Resident/shared-responsibility definition versus general physical-presence provision.","The pertinent state scope provisions may apply.","A remote address or loan label alone settles jurisdiction/preemption.","Formal generic interpretation of §§.015(33)–(34), .025(1), and WAC 230."],["B003 — Institutional receivable/refinancing","Enrollment, institution category and whether the obligation is a refinanced receivable.","The statutory exclusion or refinancing inclusion may operate.","All school balances are excluded, or every refinancing is covered on identical terms.","Reconcile §.015(32)’s complete sentence with WAC 011(13)(b); judicial construction remains outside this pass."],["B004 — Banking exclusion","Business under and as permitted by the specified banking law; incorporated depository definition where relevant.","The applicable chapter/2018-Act exclusion may operate.","Affiliate status or federal involvement proves exemption.","Federal Deposit Insurance Act §3 as incorporated as of July 26, 2009, and the particular generic bank-law scope; no institution lookup."],["B005 — Defaulted collection","Default, Washington collection-agency/attorney category and legal-service/practice predicates.","WAC 011(14) may exclude the activity from student-servicer status.","Any collector or attorney-connected business is exempt from all law.","Chapter 19.16 generic definitions/licensing exclusions and the precise WAC 011(14) boundary."],["B006 — Licensing-only exemption","Own-school servicing, loan count, guarantor status or government origination condition.","License may be unnecessary while student-servicing requirements remain.","Exemption erases substantive duties; federal contract automatically supplies state authority.","RCW 31.04.420 and any generic class waiver under §.025(5), without provider records."],["B007 — Unlicensed transaction/version","Transaction violating §.035(1), relevant loan category, issue/modification chronology and applicable version.","Current §.035’s specified consequence may apply.","Any later servicer-license lapse automatically voids a preexisting lawful loan.","§§.035, .093(10), 2024 c 249 §5 and any adopted generic clarification of the current WAC 230 wording."],["B008 — Bond/capital/mixed activities","Student-only versus combined activity; qualifying corporation/debt; actual director adjustment.","The relevant bond/capital relation applies.","$30,000 is the entire financial requirement for every mixed business, or an adjustment request is approval.","Complete mixed-activity financial rules and generic waiver/alternative criteria under §§.045, .410 and WAC 320/324."],["B009 — Payment intent/waterfall","Express note terms; whether the loan-making/simple-interest regime or federal program governs.","Stated intent is respected within the statutory limitation; conditional payment-order rules may apply.","Highest-interest-first, proportional allocation, or universal fees-first treatment.","§§.015(31), .027(2)(g), .125 and WAC 011(12)/950(3)(b), plus the applicable generic federal program rule if later researched."],["B010 — Receipt/credit trigger","Correct address, sufficient identifying information, regular-hours delivery, accounting method and federal-compliance predicate.","Receipt-recording, crediting and notification duties arise under their distinct clauses.","Dispatch equals receipt; an uncredited payment automatically establishes default or forgiveness.","WAC 550(2), 950(3), and any generic interpretation of electronic/after-hours receipt."],["B011 — Fee authority","Authorized category, loan terms, applicable statute/program and actual third-party/default service.","Only the supported fee route and ceiling are available.","A disclosure deadline or ceiling authorizes an unagreed or unlawful charge.","WAC 569 with §§.105, .405, WAC 555(3)/560(2), and applicable federal program limits."],["B012 — Federal-compliance alternatives","Actual applicability and satisfaction of the federal requirement or Department of Education contract.","Only the particular rule’s alternative/deemed-compliance clause may operate.","Federal-loan status removes all state duties.","Exact federal requirements corresponding to WAC 550(1)–(2), 950(3)(b)/(5), 960(1)(b)/(5), and 970; generic waiver authority under §.405(7)."],["B013 — Information/dispute/refund","Qualifying written request, detail/address, error and fee causation.","Response/history/correction/refund duties apply.","A request itself stays every collection activity, deletes reporting, or cancels principal.","§§.405(1)–(2), WAC 960, and separately applicable collection/furnishing law; no actual dispute review."],["B014 — Transfer","Transfer of servicing, actor role, available records, pending request and federal-contract qualification.","Actor-specific notices, processing and record-preservation duties apply.","Sale of ownership alone proves servicing transfer; a notice establishes compliance.","§.405(3)–(4), WAC 970 and generic interpretation of its “available/applicable” qualifications."],["B015 — Release/discharge/forbearance","Particular loan/program and operative release, death/disability or repayment rule.","The specific program may supply substantive relief beyond information duties.","C006’s shared-responsibility definition creates release, or state informational language guarantees federal relief.","Current HEA/program provisions and, for private education credit, the relevant TILA/Regulation Z provisions; exact state program statutes separately."],["B016 — Military protection","Applicable military-law entitlement and federal-compliance route.","State screening/information duties operate alongside the independently established entitlement.","A matching requirement proves an individual’s status or benefit.","Current SCRA/other applicable military provisions and state incorporation; no status query."],["B017 — Federal-loan refinancing","Covered refinancing and the applicable federal rights/programs.","State loss-of-options disclosure and anti-negligent-delay duties may apply.","Disclosure proves refinancing is beneficial, permissible, or approved.","§.102(5), WAC 510(8)(b)/550(16), then current generic federal program law."],["B018 — Institution information","Institution scope, enrollment, certification and new/revised loan package.","Estimated information and notice duties may arise.","Estimates are binding balances or the 2025 reporting endpoint ends all notices.","RCW 28B.10.285 and its incorporated institutional definitions; program-specific data authority remains separate."],["B019 — Paid modification assistance","Compensation, agreed services, full performance and applicability of chapter 18.28.","§.415 restrictions and its conflict rule apply.","License exemption permits advance collection or reopens earlier fee conclusions as settled.","Generic §.415/chapter 18.28 interaction in its own later pass; prior P1/P2 holds preserved."],["B020 — Private recovery","Business/property injury, causation, violation, defenses and court findings.","CPA remedies may be available within statutory limits.","A violation automatically yields trebling, $25,000, debt cancellation or duplicate recovery.","RCW 19.86.090/.093/.170 and permitted later judicial-construction work; no actual merits."],["B021 — Cessation","Prior act, lawful preexisting contract and outstanding regulated activity.","Prior liability and statutory supervision can continue.","Surrender erases duties or proves the loan unenforceable.","§§.093(9)–(12), WAC 430/499 and applicable version."],["B022 — Administrative procedure","Type of order, request, notice and APA qualification.","The specified hearing/review process applies.","Complaint filing automatically creates a stay or permanent sanction.","Complete pertinent chapter 34.05 provisions and incorporated court process, without a proceeding or calendar."],["B023 — Federal preemption and overlays","Exact actor, loan, activity and federal provision.","State and federal duties must be reconciled under that authority.","A federal label either automatically preempts or automatically preserves every state rule.","HEA preemption/servicing, CFPB/TILA, FCRA, FDCPA/Regulation F, bankruptcy and applicable federal bank law as separate generic inquiries."],["B024 — Separate state education programs","Particular state program, institutional debt type or aid-disbursement arrangement.","Program-specific rules may add duties or relief.","General servicing research completes all education-credit law.","Chapters 28B.93 and relevant aid-program rules; RCW 28B.10.293 and 28B.77.270 are discovery leads, not completed findings."],["B025 — Other interfaces","Insurance, privacy, disability, tax, security, local/tribal/interstate or contract rule.","A separately authenticated rule may alter the analysis.","Silence here establishes absence of protection or uniform statewide outcomes.","Exact generic statutory incorporation implicated; full title/security, privacy, insurance and local/tribal regimes remain open."],["B026 — Currentness/history/construction","Later adopted law, generic waiver, complete older original or controlling construction.","A later source may qualify only the exact affected proposition.","Search failure proves no amendment or protection.","Later official WSR/adoption and session-law checks; targeted older originals; judicial construction reserved and not searched here."]]},{"headers":["Analytical field","Entry"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Analytical field","Entry"],["Governing statutory definition",""],["Relevant rule definition",""],["Educational-institution category",""],["Territorial predicate",""],["Actor role",""],["Loan category",""],["Exclusion provision",""],["Licensing-exemption provision",""],["Substantive-duty scope",""],["Applicable version",""],["Adopted effective/application clause",""],["Payment-receipt provision",""],["Payment-application provision",""],["Fee-authorization provision",""],["Information-request provision",""],["Transfer provision",""],["Federal incorporation requiring research",""],["State-program dependency",""],["Remedy provision",""],["Required causal or knowledge predicate",""],["Source and exact pinpoint",""],["Unresolved generic authority",""]]},{"headers":["Scope item","Disposition","Source/claim/branch links","Exact remaining boundary"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Scope item","Disposition","Source/claim/branch links","Exact remaining boundary"],["1 — Governing state framework/department","Answered—text","S001–S002; C001","Actual actor status and preemption open."],["1 — Student education loan/purpose/refinancing","Answered—text","C002–C003; B001","Particular obligation classification absent."],["1 — Private-loan terminology","Answered—definition separation","C002–C003; B015/B023","No transplantation of execution definitions; federal private-education definition not completed."],["1 — Borrower/shared responsibility","Answered—text","C006; B002/B015","No cosigner-release entitlement inferred."],["1 — Educational definitions","Answered—incorporated state bodies","S003–S007; C004–C005","Older historical application chains partly held; no institution lookup."],["1 — Enrolled receivables/refinancing","Partial—wording interaction","C022; B003","Formal construction of statute/rule relationship."],["1 — Resident/remote/physical-presence nexus","Answered—text; application held","C007/C011; B002","Actual nexus and jurisdiction not reconstructed."],["1 — Originator/owner/servicer/collector","Answered—role separation","C008–C010/C014","Collection-law classification and ownership proof remain separate."],["1 — Exclusions/exemptions","Answered—enumerated gateways","C012–C021","Other sector statutes and federal definitions are not complete classifications."],["2 — License requirement and ordinary channel","Answered—text","C023–C026","DFI operational webpage failed; no actual application or status checked."],["2 — Automatic/streamlined treatment","Partial—no general automatic route established in read provisions","C015–C021/C025; B006","Exact generic waiver or other authority would need authentication."],["2 — Locations/out-of-state conditions","Answered—text","C024","Mortgage remote-work exceptions not generalized."],["2 — Bond/capital/assessment","Answered—generic relations","C027–C033; Q005–Q009","Mixed activity and actual waiver/financial sufficiency held."],["2 — Renewal/retention/expiration","Answered—text","C034–C036","Full licensing-reporting system is not reproduced."],["2 — Surrender/cessation/debt validity","Answered—text; construction held","C037–C040/C103; B007/B021","Later licensing defect versus prior lawful loan unresolved."],["3 — Receipt/processing/credit","Answered—distinct triggers","C048–C050","Federal compliance, address and accounting predicates unprovided."],["3 — Allocation/overpayment/underpayment","Partial—controlling intent/note relation read","C047/C073; B009","No universal allocation, automatic overpayment refund or underpayment-default rule established."],["3 — Fees/refunds/collection charges","Answered—bounded categories/ceilings","C051–C058/C066","Contract, actual cost, federal limits and full origination pricing excluded."],["3 — Records/statements","Answered—text","C060–C065/C096","Mortgage-only record rules not transferred."],["3 — Payoff/account information","Answered—text","C061/C063/C067","No actual balance, note, history or payoff examined."],["3 — Errors/disputes","Answered—response/correction rules","C060/C066","No universal collection stay or furnishing outcome inferred."],["3 — Communication/representative/electronic consent","Answered—text","C044–C046/C059","Authorization, verification and actual receipt remain absent."],["3 — Transfers","Answered—statute/rule text; qualification held","C069–C072; B014","Federal contract and statutory/rule interaction not presumed resolved."],["3 — Credit reporting/default/collection","Partial—student-specific clauses","C041–C043/C061","Full FCRA/FDCPA/collection and adjudication regimes open."],["4 — Repayment/forgiveness information","Answered—information duty","C074–C075","Program eligibility/current federal terms held."],["4 — Refinancing/default prevention","Answered—disclosure and delay rule","C076–C077","No advice, approval or mandatory modification inferred."],["4 — Military/protected status","Partial—state screening duty","C078; B016","Underlying federal/state entitlement definitions not completed."],["4 — Cosigner/death/disability/forbearance","Unresolved substantive-relief branch","C079; B015","Exact program/private-loan authorities required; no absence-of-right finding."],["4 — Institutional information and advocate assistance","Answered—bounded duties","C080–C093","No actual aid or assistance approval."],["5 — Examination/records","Answered—generic authority","C094–C097","Actual examination, subpoena execution and complete court-fee process excluded."],["5 — Orders/license sanctions/penalties","Answered—text","C098–C102","APA, actual findings and discretion remain."],["5 — Refund/restitution","Answered—separate causal bases","C055/C066/C100","No amount or actual recovery determined."],["5 — Good faith/criminal boundary","Answered—express qualifications","C104–C105","No broader immunity or criminal outcome inferred."],["5 — CPA/private remedy","Partial—operative incorporation and principal clauses","C108–C112; B020","Full construction, jurisdiction and duplicate-recovery issues held."],["5 — Nonwaiver/contract","Answered—identified narrow clauses","C087/C111","No complete contract-enforceability survey."],["6 — 2018/2019/2022 adopted originals","Answered within listed read bounds","S011–S014; C113–C116","Remaining portions/older lineage not represented as read."],["6 — 2024/2025–2026 application changes","Answered within component","S015–S016; C117–C118","Historical transaction application remains unprovided."],["6 — Proposed/preproposal status","Answered—status only","S018–S020; C119","Later adoption absence not certified."],["6 — Federal and state program regimes","Excluded/precise dependencies","B015–B017/B023–B024","HEA, federal consumer law, bankruptcy, program relief and institutional programs open."],["6 — Local/tribal/interstate/privacy/insurance/tax/security","Excluded/held","B025","No uniformity or actual applicability conclusion."],["6 — Judicial construction","Excluded by owner boundary","B003/B007/B020/B026","No cases, opinions or dockets investigated."],["7 — Fresh official bodies/direct URLs","Answered","S001–S022","Scope of every read identified; failures separately logged."],["7 — Adopted versus current codified text","Answered with explicit gaps","Source register/version table","Older originals and later-change exhaustiveness remain held."],["7 — Numerical and counting completeness","Answered for relied-on measures","Q001–Q045","No invented counting, rounding, input or calendar result."],["7 — Failed routes/discovery-only material","Answered","Read/failure log below","Failure is not absence of law."],["Registry dimension 6 / Washington / A066","Remain open","Entire retained-scope record","This component supplies no broader acceptance."]]},{"headers":["Log ID","Work actually performed","Result and limit"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Log ID","Work actually performed","Result and limit"],["L001","Public-source reading on October 28, 2026 PDT; observed research clock times included 15:23–15:45 PDT.","Access timing only; not a law’s publication or effective date."],["L002","Official-source searches for Washington student education loans, servicing, chapter 31.04, WAC 208-620, licensing and advocate provisions.","Located the operative bodies in S001–S002 and S008. Search excerpts were discovery, not controlling evidence."],["L003","Read current selected chapter 31.04 sections individually and, where needed, through the public full-chapter route.","Complete relied-on sections are listed in S001; ordinary origination, mortgage, reverse-mortgage and other sector bodies were not treated as student rules."],["L004","Read current student-specific WAC rules and necessary general definitions, licensing, fee, record and sanction interfaces.","Complete versus selected bounds are identified in S002."],["L005","Followed state educational-definition incorporations and the advocate/office/institution-notice provisions.","S003–S009; no institution, student, roster or education record investigation."],["L006","Read CPA incorporation, definitions, private-action, public-interest and exemption clauses.","S010; full procedure, other regulated sectors and construction remain held."],["L007","Read 2018 c 62 and 2024 c 249 adopted acts; selected 2025 school-definition act and complete 2009 CPA amendment.","S011/S015–S017. PDF evidence was parsed text, not visual page inspection."],["L008","Located and read material permanent-rule originals from 2018, 2019 and 2022.","S012–S014. Alternate formats and current codifications were not counted as independent corroboration."],["L009","Bounded 2025–2026 searches included student-loan amendments, WAC 208-620 permanent-rule status, the 2025 proposal and 2026 rulemaking references.","S018–S020 distinguish proposal/preproposal from adoption. Search failure does not prove no later action."],["L010","Searches for generic cosigner release, death/disability and private-education-loan protection interfaces.","No universal state relief entitlement was authenticated from the examined general servicing bodies. Program-specific leads remain uncompleted."],["L011","Discovery leads included chapter 28B.93 state-loan provisions, RCW 28B.10.293, RCW 28B.77.270, WAC 250-65-130 and WAC 131-36-250.","Search leads only for separate program/institutional questions; no numerical or eligibility merits taken from them."],["L012","Incidental category-screening reads included mortgage-specific WAC 208-620-511, -551, -552 and -520; general licensing-fee/employment provisions -290 and -371; chapter 31.04’s animal-purchase section; and council mission text.","Not transferred into student-servicing findings. Their incidental numerical provisions are not relied upon."],["L013","Reopened bounded passages where a combined output was truncated or an exact subsection needed confirmation.","These were read-extent corrections, not repeated failed access attempts. No truncated material is represented as read merely because a call returned."],["L014","Read the current RCW and WAC publication paragraphs.","Actual body dates were used: July 15 and October 7, 2026. Older search metadata was not promoted over the opened body."],["L015","Compared current rule language with the 2024 licensing amendment and with statutory student duties.","Exact version/qualification tensions remain B007/B012/B014, rather than being resolved through a favorable assumption."]]},{"headers":["Failure ID","Exact attempted route / operation","Actual result","Different ordinary route and disposition"],"index":17,"links":[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970"},{"href":"https://dfi.wa.gov/industry/student-education-loan-servicers?utm_source=chatgpt.com","text":"https://dfi.wa.gov/industry/student-education-loan-servicers"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027","text":"https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970"}],[],[{"href":"https://dfi.wa.gov/industry/student-education-loan-servicers?utm_source=chatgpt.com","text":"https://dfi.wa.gov/industry/student-education-loan-servicers"}]],"rows":[["Failure ID","Exact attempted route / operation","Actual result","Different ordinary route and disposition"],["F001","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.027","Individual-section retrieval returned an inaccessible/internal-error result.","Public full-chapter route succeeded; complete §.027 and credits read. This closes only that body-access gap."],["F002","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-970","Individual-section retrieval failed.","Public full-chapter route and adopted 2018 HTML supplied the complete rule. The failed route remains recorded."],["F003","Find operation for §21 on the already located 2018 session-law PDF","The find operation returned an inaccessible/internal-error result.","Opening the previously retrieved PDF reference at the relevant parsed-text location succeeded. The PDF was not declared wholly unavailable."],["F004","https://dfi.wa.gov/industry/student-education-loan-servicers","HTTP 403; body not read.","Current statutory licensing provisions and WAC 230/280/300 supplied the generic legal/application framework. The DFI operational webpage itself remains unread."]]}],"claims":[{"claim_id":"S_WA-P16-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C001","Precise assertion":"DFI and its director administer the Consumer Loan Act framework applicable to covered student-loan servicing.","Source/pinpoint and qualification":"S001 §§.015(5), (7), .165, .400–.420; S002 student rules. No execution-exemption definition is substituted."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C002","Precise assertion":"A student education loan includes a loan solely for personal use financing postsecondary education and attendance costs at an educational institution, including refinancing such a loan.","Source/pinpoint and qualification":"S001 §.015(32); S002 §011(13)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C003","Precise assertion":"The statutory definition excludes specified enrolled-institution payment plans/receivables, open-end consumer credit, reverse and residential mortgage transactions, and other real-property/dwelling-secured loans.","Source/pinpoint and qualification":"S001 §.015(32), complete exclusion sentence. Refinanced receivables require the separate C022 analysis."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C004","Precise assertion":"“Educational institution” incorporates the degree-granting, private-vocational-school and chapter 18.16 school definitions.","Source/pinpoint and qualification":"S001 §.015(8); S003 §.010; S004 §.020; S005 §.020(34). Each incorporated state definition was read."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C005","Precise assertion":"The receivables exclusion’s “higher education institution” is a narrower private, nonprofit, Washington-main-campus, open-admission-category, baccalaureate-or-higher and specified-accreditation definition.","Source/pinpoint and qualification":"S006 §.020(4): no racial/religious entry restriction; accreditation by the named association or an association recognized by the council for higher education."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C006","Precise assertion":"The student borrower definition covers a Washington resident who received or agreed to pay the loan, and a person sharing repayment responsibility with that resident.","Source/pinpoint and qualification":"S001 §.015(33); S002 §010(40). No separate release entitlement follows."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C007","Precise assertion":"A student servicer may be located anywhere; the definition concerns responsibility for servicing a covered loan to a covered borrower.","Source/pinpoint and qualification":"S001 §.015(34). Actual responsibility and nexus remain unclassified."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C008","Precise assertion":"Student servicing includes scheduled-payment receipt/application, modification-related data work, and other administration including collection; paid third-party modification services are excluded from that servicing definition.","Source/pinpoint and qualification":"S001 §.015(35), (38); S002 §010(41)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C009","Precise assertion":"Making a loan—advancing, offering or committing funds—is a distinct statutory activity from servicing; mere ownership is not a substitute for the servicing-activity inquiry.","Source/pinpoint and qualification":"S001 §.015(14), (16), (34)–(35). No actual owner or assignee is classified."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C010","Precise assertion":"The general “servicing a loan” and “loan originator” definitions encountered in these provisions are mortgage-specific; they cannot simply be transferred to student servicing.","Source/pinpoint and qualification":"S001 §.015(18), (29); S002 §§010(26), 011(8), (11)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C011","Precise assertion":"Chapter coverage includes loans to residents or persons physically in Washington and contains anti-evasion language addressing remote methods and absence of a physical Washington location.","Source/pinpoint and qualification":"S001 §.025(1)–(3). The student-specific resident/shared-responsibility definition must still be considered."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C012","Precise assertion":"Business under and as permitted by specified bank, savings, trust, savings-and-loan and credit-union laws is excluded under the stated clauses.","Source/pinpoint and qualification":"S001 §§.025(4)(a), .905. Charter, activity and incorporated-definition questions remain held; affiliation alone is insufficient."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C013","Precise assertion":"The general chapter excludes primarily business, commercial or agricultural loans unless secured by the borrower’s primary dwelling.","Source/pinpoint and qualification":"S001 §.025(4)(e). That exception does not erase the separate student-definition exclusion for real-property/dwelling security."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C014","Precise assertion":"The rule’s student-servicer definition excludes Washington-licensed collection agencies and Washington attorneys when collecting student loans in default under its specified conditions.","Source/pinpoint and qualification":"S002 §011(14)(a)–(b). Attorney extension is limited to a bona fide legal practice, not an unrelated separate entity."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C015","Precise assertion":"Specified trade/technical/vocational/apprentice programs and postsecondary schools servicing their own student loans are licensing-exempt but remain subject to student-servicer requirements.","Source/pinpoint and qualification":"S001 §.420(1)(a), introductory sentence. Coverage must first exist."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[6],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C016","Precise assertion":"Persons servicing five or fewer student education loans receive the same licensing-only exemption.","Source/pinpoint and qualification":"S001 §.420(1)(b). No aggregate-count interpretation beyond the text was established."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[6],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C017","Precise assertion":"Federal student-loan guarantors qualify for the listed licensing exemption only if they do not also service federal student loans.","Source/pinpoint and qualification":"S001 §.420(1)(c)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[6],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C018","Precise assertion":"Federal, state and local governmental categories have the listed licensing exemption only to the extent they service loans they originated.","Source/pinpoint and qualification":"S001 §.420(1)(d)–(e). A government contractor is not assumed to be the government agency."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[6],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C019","Precise assertion":"Providers of third-party student-loan modification services are exempt from obtaining and maintaining the chapter license, while separate substantive restrictions apply.","Source/pinpoint and qualification":"S001 §§.420(2), .415."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[5,6],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C020","Precise assertion":"The person claiming an exemption, definition exception or preemption bears the statutory burden of proving it.","Source/pinpoint and qualification":"S001 §.025(6). No actual proof is evaluated."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C021","Precise assertion":"The director has separate discretionary powers to waive licensing provisions and to waive applicability of §.405, subject to the respective commerce/consumer-protection predicates.","Source/pinpoint and qualification":"S001 §§.025(5), .405(7). No actual waiver or automatic federal-contractor license was established."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C022","Precise assertion":"WAC §011(13)(b) expressly addresses refinancing institutional receivables when the student is not enrolled; the statute’s differently structured refinanced-receivable language leaves an enrolled-refinancing construction question.","Source/pinpoint and qualification":"S001 §.015(32); S002 §011(13). That branch remains held rather than classified by label."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C023","Precise assertion":"Covered licensable activity requires obtaining and maintaining the chapter license; the current rule also addresses remote servicing and holding out.","Source/pinpoint and qualification":"S001 §.035(1); S002 §230. Exclusions, exemptions and waivers remain separate gates."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[1],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C024","Precise assertion":"The rules require applicable main/branch locations to be licensed without requiring a Washington physical office; out-of-state records/access and registered-agent conditions remain.","Source/pinpoint and qualification":"S002 §§250, 251, 300. Mortgage-originator residence exceptions are not generalized to student servicing."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C025","Precise assertion":"The ordinary application framework uses NMLS plus Washington-specific material, required fees and investigation; the director has the statutory information-waiver authority.","Source/pinpoint and qualification":"S001 §.045(1)–(3), (5); S002 §280. This is a procedure finding, not proof of anyone’s authorization."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C026","Precise assertion":"Issuance depends on the statutory application, fee, prior-license, criminal-history, fitness and specified prior-modification conditions; a complete qualifying application has a prescribed decision period.","Source/pinpoint and qualification":"S001 §.055(1)–(2); S002 §370. Quantities appear in Q003–Q004."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C027","Precise assertion":"The ordinary bond provisions protect the state and persons with chapter causes of action; the student-servicing-only rule specifies $30,000, subject to the statutory alternative/waiver framework.","Source/pinpoint and qualification":"S001 §.045(4)–(5); S002 §320(6). Surety aggregate liability is limited to the penal sum."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C028","Precise assertion":"A Washington business corporation has a statutory alternative based on a prescribed relationship between outstanding debt and unimpaired capital, surplus and qualifying subordinated debt.","Source/pinpoint and qualification":"S001 §.045(4); S002 §010(28). Formula and maturity definitions are in Q006; sufficiency for an actual applicant is not determined."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C029","Precise assertion":"A student-servicing applicant/licensee must maintain at least $250,000 tangible net worth, calculated using the rule’s deductions.","Source/pinpoint and qualification":"S001 §.410; S002 §324(1)(a), (5)(a)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[7],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C030","Precise assertion":"The rule additionally requires liquidity, including operating reserves, equal to at least the prescribed fraction of nationwide unpaid principal.","Source/pinpoint and qualification":"S002 §324(1)(b), (5)(b); Q008."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[7],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C031","Precise assertion":"Capital requirements may be waived or adjusted by the director on the stated considerations; financial reporting is annual or more frequent as prescribed.","Source/pinpoint and qualification":"S002 §324(2)–(4). An application for adjustment is not an approved adjustment."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[7],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C032","Precise assertion":"The statute authorizes program and advocate funding through specified regulatory fee categories.","Source/pinpoint and qualification":"S001 §.400. These are regulator-facing charges, not authority to pass them through to borrowers."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C033","Precise assertion":"The student-servicing annual assessment uses adjusted Washington loan volume, includes servicing accounts held for investment, and permits an adjustment/waiver application.","Source/pinpoint and qualification":"S002 §442, complete rule; formula in Q009."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[8],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C034","Precise assertion":"Annual reports and assessment are subject to the statutory/rule deadlines; cessation does not erase assessment liability for the reporting period.","Source/pinpoint and qualification":"S001 §§.085, .155; S002 §430 introductory paragraph and (1)."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C035","Precise assertion":"Late statutory reporting and late rule-required items have specified monetary consequences; the rule separately permits a bond claim using its stated comparison.","Source/pinpoint and qualification":"S001 §.155; S002 §430(2)–(3)(a). Distinct measures are not automatically stacked."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C036","Precise assertion":"Licenses continue subject to surrender, suspension, revocation and assessment-related expiration; the expiration provisions require notice and opportunity to prevent expiration.","Source/pinpoint and qualification":"S001 §.093(11)–(12); S002 §430(3)(b)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C037","Precise assertion":"Cessation/surrender triggers the rule’s NMLS surrender and final-report requirements.","Source/pinpoint and qualification":"S002 §499(1)–(3); Q013. No surrender was performed."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C038","Precise assertion":"Washington loans and activity remain within the director’s investigation/examination authority after cessation under the rule.","Source/pinpoint and qualification":"S002 §499 final paragraph. The mortgage-specific disposition-report clause is not imported."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C039","Precise assertion":"Current §.035 provides that a nonmortgage loan in a transaction violating its license requirement is null, void, uncollectable and unenforceable.","Source/pinpoint and qualification":"S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version."},"coordinator_verification_status":"material_pinpoint_correction_required_UNSENT","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[1],"material_findings":["S_WA-P16-C039-PINPOINT-001"],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C040","Precise assertion":"The older WAC §230 refund wording does not resolve the current statute’s application to a later servicing defect or a preexisting lawful loan.","Source/pinpoint and qualification":"S002 §230(2); S001 §§.035, .093(10); S015 §5. No automatic cancellation from a license event is concluded."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[1,2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C041","Precise assertion":"A student servicer may not materially misrepresent or omit information about claimed payments/fees, loan terms, discharge/forgiveness availability, income-driven repayment or borrower obligations.","Source/pinpoint and qualification":"S001 §.027(2)(b); general fraud/deception clauses in (1)(a)–(c) also read."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C042","Precise assertion":"The statute prohibits inaccurate credit-bureau information that harms creditworthiness, including failure to report favorable as well as unfavorable payment history.","Source/pinpoint and qualification":"S001 §.027(2)(c). Harm and applicability are retained predicates."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C043","Precise assertion":"At-least-annual credit-bureau reporting is required by this clause only when the servicer regularly reports.","Source/pinpoint and qualification":"S001 §.027(2)(d). This is not a universal furnishing obligation or a deletion rule."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C044","Precise assertion":"Communication may not be refused to the borrower or a properly authorized representative; signed written authorization may be reasonably verified.","Source/pinpoint and qualification":"S001 §.027(2)(e)–(f)."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C045","Precise assertion":"Advocate communications have a 15-calendar-day response requirement, subject to a shorter reasonable period requested in the communication.","Source/pinpoint and qualification":"S001 §.027(2)(h)."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C046","Precise assertion":"Advocate-submitted consumer complaints have a 15-calendar-day response requirement; the licensee may request additional time under the stated 45-calendar-day maximum wording and explanation predicate.","Source/pinpoint and qualification":"S001 §.027(2)(i). Whether “45” is total or additional is not resolved here."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C047","Precise assertion":"Application to one loan or allocation across a group must conform to stated borrower intent, but the clause does not require application contrary to express note terms.","Source/pinpoint and qualification":"S001 §.027(2)(g); S002 §950(3)(b). No universal highest-rate or proportional allocation rule is inferred."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C048","Precise assertion":"The rule generally requires recording payment receipt on the day of delivery to a licensed location during regular working hours, with an express Department of Education contractual-compliance exception.","Source/pinpoint and qualification":"S002 §550(2). Recording receipt is distinct from crediting."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C049","Precise assertion":"Properly directed, sufficiently identified amounts must be accepted and credited or treated as credited within one business day; scheduled accounting has an early-payment/due-date qualification.","Source/pinpoint and qualification":"S001 §.405(1)(b); S002 §950(3)(b). The rule’s federal-compliance sentence is confined to that subsection."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,10],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C050","Precise assertion":"Received-but-uncredited payments require notice of disposition, reason and necessary corrective information within the specified period.","Source/pinpoint and qualification":"S001 §.405(1)(b); S002 §950(3)(c). The rule provides statement/electronic alternatives, but no parallel federal-deemed-compliance sentence in (3)(c)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,10],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C051","Precise assertion":"Incurred fees have a separate assessment deadline and a separate clear, conspicuous explanation deadline.","Source/pinpoint and qualification":"S001 §.405(1)(a); S002 §950(3)(a). Timeliness does not independently authorize the charge."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,10],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C052","Precise assertion":"Servicing fees require authorization under the loan documents, the Act or the borrower; the rule specifically identifies borrower-requested wire transfers.","Source/pinpoint and qualification":"S002 §569(1). No actual authorization or earned charge is established."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[9],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C053","Precise assertion":"A default-related service fee must be usual and customary or reasonable in light of the service provided, as the rule is written.","Source/pinpoint and qualification":"S002 §569(2). This wording is not silently changed to the separate third-party-modification standard."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[9],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C054","Precise assertion":"A borrower charge for a fee paid to a third party may not exceed what the servicer paid.","Source/pinpoint and qualification":"S002 §569(3). Actual-cost proof is not supplied."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[9],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C055","Precise assertion":"Fees not timely charged under §.405 must be waived or, if collected, returned within 15 calendar days.","Source/pinpoint and qualification":"S002 §569(4). The clause does not expressly identify a discovery-based starting date."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[9],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C056","Precise assertion":"Where §.105(6) governs, the statutory late-payment ceiling is 10% of an installment delinquent at least 10 days; the rule also contains a loan-terms qualification.","Source/pinpoint and qualification":"S001 §.105(6); S002 §555(3)(c). No agreement is presumed to override the statute, and federal/program limits remain held."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[3],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C057","Precise assertion":"The incorporated dishonored-payment rule permits $25 or the actual financial-institution charge and limits the charge to one fee per instrument despite repeated return.","Source/pinpoint and qualification":"S002 §§560(2), 569(1); S001 §.105(9). It does not state “$25 plus actual cost.”"},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[9],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C058","Precise assertion":"The examined collection-cost clauses address reasonable attorney fees and actual expenses/costs when the debt is referred to an attorney who is not the licensee’s salaried employee.","Source/pinpoint and qualification":"S001 §.105(7); S002 §555(3)(d). Applicability and actual incurrence remain conditions."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[3],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C059","Precise assertion":"Absent origination-stage electronic authorization, the rule requires a specific separate authorization document and retention of affirmative agreement.","Source/pinpoint and qualification":"S002 §950(2). No consent is supplied or inferred."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[10],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C060","Precise assertion":"Servicers must make reasonable attempts to answer information requests and disputes; a qualifying written request triggers a written response within 15 business days.","Source/pinpoint and qualification":"S001 §.405(1)(c); S002 §960(1). Required identification, error statement and sufficient detail remain predicates."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C061","Precise assertion":"The response must address status, balance/suspense/known shortages, holder/owner/assignee information and an authorized response contact.","Source/pinpoint and qualification":"S001 §.405(1)(c)(ii)(A)–(D); S002 §960(2). Statutory “default” and rule “past due” wording are not treated as identical classifications."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C062","Precise assertion":"Written-request records subject to these provisions must be retained until the loan is paid in full, sold or otherwise satisfied.","Source/pinpoint and qualification":"S001 §.405(1)(c)(i); S002 §960(1)(a), whose wording covers written information requests more broadly."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C063","Precise assertion":"A qualifying detailed request can require the original note or lost-note affidavit, endorsements under the rule, itemized charges and full payment/suspense history.","Source/pinpoint and qualification":"S001 §.405(2); S002 §960(5). Rule address and federal-compliance qualifications remain."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C064","Precise assertion":"The history normally covers at least two years, or the servicer’s shorter tenure with prior-servicer identification if known; a claim to older outstanding sums extends the history back to the claimed month.","Source/pinpoint and qualification":"S001 §.405(2)(b); S002 §960(5)(b)–(c)."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C065","Precise assertion":"One detailed statement annually is free; the rule permits a $30 charge for the second and subsequent annual statements.","Source/pinpoint and qualification":"S001 §.405(2)(b); S002 §960(5)(d). The detailed-request branch and its qualifications must apply."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C066","Precise assertion":"Servicer errors must be promptly corrected and fees resulting from the servicer’s error refunded.","Source/pinpoint and qualification":"S001 §.405(1)(d); S002 §960(3). This is not an automatic principal discharge or refund of every payment."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C067","Precise assertion":"The payoff rule requires an exact amount as of a specified date within seven business days after a written request by the borrower of record or authorized representative, with a student federal-program alternative.","Source/pinpoint and qualification":"S002 §550(1). No actual payoff or date is calculated."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C068","Precise assertion":"The outsourcing rule restricts specified servicing/payment/consumer-data functions outside the United States or its territories while listing permitted back-office functions.","Source/pinpoint and qualification":"S002 §554, complete rule. A particular arrangement is not classified."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C069","Precise assertion":"A receiving servicer has a 45–60-day advance notification window and specified contact, timing, terms, history, pending-application and complaint-information duties.","Source/pinpoint and qualification":"S001 §.405(3)(a)(i)–(vi); S002 §970 receiving-servicer clauses."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C070","Precise assertion":"A transferring servicer has the corresponding 45–60-day notification window with its specified timing, contact and unchanged-terms statements.","Source/pinpoint and qualification":"S001 §.405(4)(a); S002 §970 transferring-servicer clauses."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C071","Precise assertion":"Transfer provisions require continued processing of covered modification requests, records supporting uninterrupted plan enrollment, and transmission of pending-request information.","Source/pinpoint and qualification":"S001 §.405(3)(b)–(c), (4)(b). The rule’s “if applicable/available” qualifications are separately preserved."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C072","Precise assertion":"WAC §970’s introductory federal-transfer/Department-of-Education-contract exception is rule-specific; the statute itself states the transfer duties and separately grants waiver authority.","Source/pinpoint and qualification":"S002 §970; S001 §.405(3)–(4), (7). No contract compliance or waiver is presumed."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C073","Precise assertion":"The separate simple-interest definition contains a nonresidential fees/charges → accrued-interest → principal order; it is not used here as a universal student-loan allocation rule.","Source/pinpoint and qualification":"S001 §§.015(31)(a), .125; S002 §011(12). Loan-making, note, program and statutory-interaction predicates remain held."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C074","Precise assertion":"Licensees have a free, prominent repayment/forgiveness/advocate-information duty and annual correspondence requirement; the rule also describes a toll-free single-contact alternative.","Source/pinpoint and qualification":"S001 §.405(5); S002 §950(4). The alternative is not assumed to waive unrelated statutory duties."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,10],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C075","Precise assertion":"A federal discharge/refund application or attempted progress certification triggers a state duty to explain a decision made concerning it.","Source/pinpoint and qualification":"S001 §.405(1)(e); S002 §960(4). The state clause does not establish federal eligibility or approval."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C076","Precise assertion":"A licensee refinancing a federal student loan must give the prescribed clear, conspicuous disclosure about potentially lost federal repayment/forgiveness options.","Source/pinpoint and qualification":"S001 §.102(5); S002 §510(8)(b). Federal program merits and current availability are not newly verified."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C077","Precise assertion":"Negligent delay of student-loan refinancing/modification is prohibited where it causes increased charges or the proposed option to become unavailable.","Source/pinpoint and qualification":"S002 §550(16). Negligence, causation and the stated harm are necessary."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C078","Precise assertion":"The rule requires monthly Department-of-Defense matching, application of applicable entitlements and a written policy, with an applicable-federal-compliance qualification.","Source/pinpoint and qualification":"S002 §950(5). No database was queried and no underlying military entitlement was determined."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[10],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C079","Precise assertion":"The examined general servicing provisions do not themselves establish a universal cosigner-release, death/disability discharge, private-loan forbearance or forgiveness entitlement.","Source/pinpoint and qualification":"Bounded finding from S001 student provisions and S002 §§950–970. Relevant federal, state-program and construction inquiries remain open; absence of a right is not concluded."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4,10,11],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C080","Precise assertion":"Covered educational institutions have an estimated loan-information duty for enrolled aid applicants/recipients whose loans the institution certifies, including specified debt, repayment and resource categories.","Source/pinpoint and qualification":"S007 §.285(1)–(3), (8)–(9). Estimates are not guaranteed repayment results."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C081","Precise assertion":"The institution’s individual-notice requirement begins July 1, 2018 and applies with new or revised financial-aid packages containing a new or revised student loan.","Source/pinpoint and qualification":"S007 §.285; S011 §2. No actual aid package is examined."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C082","Precise assertion":"Good-faith representations under the specified institutional-information subsection receive the stated liability protection.","Source/pinpoint and qualification":"S007 §.285(4). This is not blanket institutional or servicer immunity."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C083","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C083","Precise assertion":"The institution-reporting provision has its own 2019–2025 reporting sequence; that endpoint does not, in the read text, repeal the separate individual-notice duty.","Source/pinpoint and qualification":"S007 §.285(6); S011 §2."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C084","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C084","Precise assertion":"Paid third-party student-loan modification providers may not charge or receive consideration before full and complete agreed performance.","Source/pinpoint and qualification":"S001 §.415(1)(a). No approved service, performance or fee is established."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[5],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C085","Precise assertion":"Such providers may neither exceed usual/customary total charges nor charge totals unreasonable for the service.","Source/pinpoint and qualification":"S001 §.415(1)(b). This differs from WAC §569(2)’s disjunctive servicing-fee wording."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[5],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C086","Precise assertion":"They must immediately provide written information when additional borrower documentation is required or the specified modification/refinancing/consolidation/plan change becomes impossible.","Source/pinpoint and qualification":"S001 §.415(1)(c). “Immediately” is not converted into an invented day count."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[5],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C087","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C087","Precise assertion":"They may not require or encourage future-rights waivers or waiver of notice before collection proceedings.","Source/pinpoint and qualification":"S001 §.415(2)(a), (c). Scope is the specified service relationship."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[5],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C088","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C088","Precise assertion":"The complete clause also prohibits specified misleading savings/cost/program/affiliation/credit claims, unagreed charges, communication redirection and changes to borrower login/contact credentials.","Source/pinpoint and qualification":"S001 §.415(2)(b), (d)–(l). No actual conduct is evaluated."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[5],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C089","Precise assertion":"The third-party-modification provision incorporates chapter 18.28 and states that chapter 31.04 controls an inconsistency.","Source/pinpoint and qualification":"S001 §.415(1), (3). Full provider-fee reconciliation remains in its separate component."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[5],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C090","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C090","Precise assertion":"The advocate statute requires an education course and specified public information/assistance functions; its historical establishment/report dates do not themselves establish a current program benefit.","Source/pinpoint and qualification":"S008 §.007(5)–(7); S011 §1."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C091","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C091","Precise assertion":"The Student Achievement Council designates the advocate within the Office of Student Financial Assistance; implementation is subject to available appropriated amounts and the advocate-account balance.","Source/pinpoint and qualification":"S008 §§.007(1), (8), .008, .010(2), (7); S009. Account spending authority and full fiscal law are distinct."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C092","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C092","Precise assertion":"Complaints involving licensed or licensable servicers are referred to DFI; the advocate collaborates with the Attorney General concerning other servicer complaints, with annual interagency coordination.","Source/pinpoint and qualification":"S008 §.007(2)–(4); S001 §.420(3). Referral is not an order or recovery."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[6],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C093","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C093","Precise assertion":"Complete loan-history review by the advocate requires written consent; assistance can include program applications and communications.","Source/pinpoint and qualification":"S008 §.007(5)(b), (g). No consent, record or application is supplied."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C094","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C094","Precise assertion":"DFI may investigate/examine persons subject to the chapter, including unlicensed persons and records outside Washington, with statutory access and cost provisions.","Source/pinpoint and qualification":"S001 §.145, complete section. No investigation of an actual actor occurred."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C095","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C095","Precise assertion":"The subpoena section provides a court-approval mechanism requiring a lawful-investigation declaration and reasonable relationship of the requested material to that investigation.","Source/pinpoint and qualification":"S001 §.143(1)–(3). Incorporated court fee/process under RCW 36.18.012(3) is held."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C096","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C096","Precise assertion":"General chapter loan records must be retained for at least three years after final loan entry; obstruction, destruction and concealment restrictions apply.","Source/pinpoint and qualification":"S001 §.155. The separate student-request retention endpoint remains C062."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C097","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C097","Precise assertion":"Student portfolio reporting includes volume, default/refinance/modification, loan-type and collection information; specified federal-contract qualification/termination events have a ten-day DFI notice requirement.","Source/pinpoint and qualification":"S001 §.405(6); S002 §490(3)(f)–(g), (6). No actual federal contract is examined."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[4],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C098","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C098","Precise assertion":"DFI may condition, suspend or revoke a license on the listed grounds, including violations committed knowingly or without due care.","Source/pinpoint and qualification":"S001 §.093(3). The ground, finding and discretion are retained."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C099","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C099","Precise assertion":"DFI may impose up to $100 per day per violation on persons within the stated scope.","Source/pinpoint and qualification":"S001 §.093(4). This is not an automatic private award."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C100","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C100","Precise assertion":"DFI may order compliance, refunds/restitution for damage caused by a chapter violation, and refund of fees received through a violation.","Source/pinpoint and qualification":"S001 §.093(5). Causal and receipt predicates differ."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C101","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C101","Precise assertion":"A temporary cease-and-desist order requires the director’s determination of likely substantial public injury from delay and includes a request-based hearing provision.","Source/pinpoint and qualification":"S001 §.093(8). The fourteen-day provision is expressly qualified by chapter 34.05."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C102","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C102","Precise assertion":"The enforcement section distinguishes consent/nonappearance from posthearing findings by a preponderance and contains qualified state cost/attorney-fee recovery.","Source/pinpoint and qualification":"S001 §.205. Full hearing procedure and merits remain held."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C103","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C103","Precise assertion":"Surrender does not erase liability for earlier acts; revocation, suspension or surrender does not impair a preexisting lawful borrower contract.","Source/pinpoint and qualification":"S001 §.093(9)–(10). “Lawful” is a necessary condition; limitation periods are not reopened."},"coordinator_verification_status":"selected_current_portions_supported_otherclauses_history_application_held","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[2],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C104","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C104","Precise assertion":"The good-faith exception concerns civil penalties/criminal liability for conformity with a written DFI notice, interpretation or examination report.","Source/pinpoint and qualification":"S001 §.175(2). It is not generalized to all private remedies or all informal advice."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C105","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C105","Precise assertion":"The residual gross-misdemeanor clause is limited to the specified violation/knowing assistance/omitted-duty branches for which no penalty has been prescribed.","Source/pinpoint and qualification":"S001 §.175(1). No criminal finding is made."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C106","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C106","Precise assertion":"The statute provides judicial injunction and student-servicer receiver gateways with their respective statutory showings and court roles.","Source/pinpoint and qualification":"S001 §§.165, .310. A complaint or referral alone does not appoint a receiver or grant an injunction."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C107","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C107","Precise assertion":"Administrative denials, orders, license sanctions, remedies and review/appeal are governed by the incorporated APA.","Source/pinpoint and qualification":"S001 §.202. Complete APA procedure is outside this pass."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C108","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C108","Precise assertion":"Chapter violations are expressly linked to the CPA and public interest, with CPA remedies described as cumulative and nonexclusive.","Source/pinpoint and qualification":"S001 §.208; S010 §§.020, .093. This does not itself prove every remaining private-action element."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C109","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C109","Precise assertion":"The CPA private-action text requires injury to business or property by a covered violation and provides the stated injunction/damages/cost/attorney-fee remedies.","Source/pinpoint and qualification":"S010 §§.010, .090. Causation, actual injury and actual entitlement remain unproved."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C110","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C110","Precise assertion":"The CPA permits discretionary damage enhancement subject to its three-times-actual-damages language and $25,000 increased-damage-award limit for §.020 violations.","Source/pinpoint and qualification":"S010 §.090; S017 §1. No award or combined-recovery arithmetic is determined."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C111","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C111","Precise assertion":"At closing, the chapter prohibits obtaining a release of future usury/other statutory damages or penalties, or a waiver of chapter provisions.","Source/pinpoint and qualification":"S001 §.027(1)(k). This is not a complete general contract-waiver survey."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C112","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C112","Precise assertion":"CPA regulatory-permission exceptions and express-remedy limits require separate attention; neither a DFI license nor cumulative-remedy language automatically resolves immunity or duplicate recovery.","Source/pinpoint and qualification":"S010 §.170; S001 §.208. Full construction and other regulatory incorporations remain held."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C113","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C113","Precise assertion":"The 2018 Act states a June 7, 2018 effective date, while §21 separately postpones specified initial DFI duties until final-rule adoption or January 1, 2019, whichever is sooner.","Source/pinpoint and qualification":"S011 cover and §21, printed p.32 / PDF index 32. No historical event application is decided."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C114","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C114","Precise assertion":"The foundational 2018 permanent rule order was adopted/filed November 27, 2018 and states January 1, 2019 effectiveness.","Source/pinpoint and qualification":"S012 header; selected adopted bodies specified in the register."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C115","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C115","Precise assertion":"The 2019 permanent amendments were adopted/filed October 22, 2019 and state November 24, 2019 effectiveness.","Source/pinpoint and qualification":"S013 header. Current selected provisions were compared with adopted text."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C116","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C116","Precise assertion":"The 2022 permanent order states adoption/filing November 30, 2022 and effectiveness December 31, 2022.","Source/pinpoint and qualification":"S014 printed p.1 / PDF index 0; selected amended bodies only."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C117","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C117","Precise assertion":"The 2024 changes apply prospectively and do not apply to a loan issued before June 6, 2024 unless renegotiated or modified after that date.","Source/pinpoint and qualification":"S015 §5, printed p.7 / PDF index 7; S001 §.025 note. No loan date or modification is supplied."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C118","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C118","Precise assertion":"The 2025 act containing the current chapter 18.16 school definition has a March 1, 2026 effective clause.","Source/pinpoint and qualification":"S016 §2(34) and §4. No claim that every word of the school definition was newly changed in 2025."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C119","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C119","Precise assertion":"The 2025 proposal and two 2026 preproposal notices do not themselves supply adopted operative amendments.","Source/pinpoint and qualification":"S018–S020. The May notice explains a renewed preproposal; formal withdrawal/expiration law is not inferred."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}},{"claim_id":"S_WA-P16-C120","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P16-C120","Precise assertion":"Fresh access, compilation metadata, amendment credits and effective/application dates are distinct; the bounded search does not certify the absence of every later amendment, order or judicial development.","Source/pinpoint and qualification":"S021–S022 and the original-history limits in S011–S020."},"coordinator_verification_status":"whole_text_reviewed_source_assertions_not_freshly_reverified","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"material_findings":[],"full_claim_primary_accepted":false,"all_original_qualifications_retained":true,"correction_sent":false}}],"sources":[{"source_id":"S_WA-P16-S001","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420","https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905"],"researcher_record":{"Source ID":"S_WA-P16-S001","Verbatim complete visible source and usage section":"2.1 S_WA-P16-S001 — Washington Legislature / Code Reviser, chapter 31.04 RCW, Consumer Loan Act\n\nChapter route: https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true\n\nCurrent online codification, selected complete sections. The chapter route also supplied the successful alternate reading of §.027. The chapter was not read in its entirety.\n\nSection and direct literal URL\tActual read extent and use\tDisplayed credit / history qualification\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.015\tComplete (1)–(39), credits and notes; student definitions, role distinctions, incorporated definitions.\t2018 c 62 §9; adopted reproduction read in S011. Federal incorporated definitions remain separately held.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.025\tComplete (1)–(7), credits and application notes.\t2024 c 249 §2; 2023 c 275 §15 also credited. S015 supplies the 2024 text and prospective-application clause.\n§31.04.027 at https://app.leg.wa.gov/RCW/default.aspx?cite=31.04&full=true\tComplete (1)–(3), credits and notes. Individual-section route failed; chapter body succeeded.\t2024 c 249 §3; 2021 c 15 §1; 2018 c 62 §11. Current text reproduced in S015; no separate 2021 effective-date finding.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035\tComplete section, license requirement and transaction consequences.\t2024 c 249 §4; S015 application limitation is material.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.045\tComplete (1)–(5), notes; application, bond, alternative, waiver.\t2015 c 229 §22. Earlier original history not independently completed.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.055\tComplete (1)–(2), all issuance conditions and denial/decision provisions.\t2010 c 35 §4; original not independently read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.085\tComplete section; annual assessment and continuing liability.\t2010 c 35 §5; original not independently read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.093\tComplete (1)–(13). Licensing, sanctions, surrender and contract preservation used; limitation sentence excluded from merits.\t2018 c 62 §13; S011 read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.102\tComplete (1)–(6); reliance limited principally to (5), federal-student-loan refinancing disclosure.\t2018 c 62 §14; S011 read. Federal TILA incorporation not completed.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.105\tComplete (1)–(10); reliance on (6), (7), (9) for bounded servicing-charge interfaces.\t2015 c 229 §28. General origination/pricing and insurance regimes excluded.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.125\tComplete (1)–(4); read to identify the separate loan-making/simple-interest/prepayment interface.\t2007 c 208 §1. No general origination or prepayment calculation finding made.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.143\tComplete (1)–(3), credits and note.\t2011 c 93 §9. Retrieved body carried an older crawl marker; incorporated court fee/process not completed.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.145\tComplete (1)–(6); examination and investigation authority.\t2018 c 62 §15; S011 read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.155\tComplete section; records, report and late-report consequence.\t2013 c 29 §8; original not independently read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.165\tComplete section; administration, rulemaking and judicial enforcement gateway.\t2018 c 62 §16; S011 read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.175\tComplete (1)–(2); residual offense and written-DFI-guidance good-faith qualification.\t2001 c 81 §14; older original not independently read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.202\tComplete section; APA incorporation.\t2001 c 81 §15. Full chapter 34.05 procedure held.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.205\tComplete section; enforcement discretion, hearing finding and cost recovery.\t2015 c 229 §30; original not independently read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.208\tComplete section; CPA incorporation and cumulative-remedy statement.\t2001 c 81 §17; current CPA clauses separately read in S010.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.310\tComplete section; receiver gateway.\t2018 c 62 §18; S011 read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.400\tComplete section; program/advocate fee authority.\t2018 c 62 §3. Current fund-allocation incorporation not completed.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.405\tComplete (1)–(8), including all response, transfer, information and waiver clauses.\t2018 c 62 §6; S011 read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.410\tComplete section; liquidity, reserves and tangible-net-worth authority.\t2018 c 62 §7; S011 read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.415\tComplete (1)–(3), including every listed third-party-modification restriction.\t2018 c 62 §8; S011 read. Chapter 18.28 merits remain separate.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.420\tComplete (1)–(3), all licensing-exempt categories.\t2018 c 62 §10; S011 read.\nhttps://app.leg.wa.gov/RCW/default.aspx?cite=31.04.905\tComplete section; 2018 Act banking exclusion.\t2018 c 62 §20; S011 read.\n\nThe central scope, conduct, duty, and licensing-consequence bodies were read directly, rather than inferred from chapter titles. \napp.leg.wa.gov\n+4"},"source_access_status":"researcher_reported","coordinator_verification_status":"selected_current_portions_checked_notwholechapter_orhistory","classification_reconciliation":"Sourcegroupheading/table omitted by generic parser; retained verbatim complete actual grouping, classification only.","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[0,1,2,3,4,5,6],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S002","urls":["https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950","https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960"],"researcher_record":{"Source ID":"S_WA-P16-S002","Verbatim complete visible source and usage section":"2.2 S_WA-P16-S002 — DFI / Code Reviser, chapter 208-620 WAC\n\nChapter route: https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true\n\nCurrent online codification; selected bodies only. “2018 order,” “2019 order,” and “2022 order” refer to S012–S014.\n\nRule and direct literal URL\tActual read extent / reliance\tDisplayed latest credit and original-status qualification\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-010\tComplete relied-on definitions, particularly (7), (19), (26), (28), (40), (41); other portions read, no whole-chapter claim.\tWSR 22-24-048; effective December 31, 2022. Complete amended definition section read in S014.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-011\tComplete (1)–(14); interpretive definitions and default-collection exclusions.\tWSR 18-24-013; January 1, 2019; S012.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-230\tComplete rule; licensing and older refund language.\tWSR 18-24-013; S012. Comparison with 2024 statute expressly held where consequential.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-250\tComplete rule; location/physical-presence distinction.\tWSR 22-24-048; S014.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-251\tComplete rule; out-of-state records/access and registered-agent condition.\tWSR 22-24-048; S014.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-280\tComplete (1)–(3); generic application channel and responsibility.\tWSR 13-24-024; January 1, 2014 as credited; original not read.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-300\tComplete rule; student-servicing branch-location requirement.\tWSR 22-24-048; S014.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-320\tComplete (1)–(6); reliance on the student-servicing-only branch, with mixed-activity limits retained.\tWSR 18-24-013; S012.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-324\tComplete (1)–(5), including both financial definitions.\tWSR 18-24-013; S012.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-370\tComplete rule; licensing-fitness/denial interface.\tWSR 18-24-013; S012.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-430\tComplete rule; annual reporting, penalties, bond-claim and expiration qualifications. Its numerical illustration is not reproduced.\tWSR 13-24-024; original not read.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-442\tComplete rule; assessment base, multiplier, portfolio and adjustment request.\tWSR 19-21-157; November 24, 2019; S013.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-490\tComplete current rule read; reliance limited to (3)(f)–(g) and (6).\tWSR 19-21-157. Original (1)–part of (4) read; no claim to have read the whole original rule.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-499\tComplete rule; cessation and continuing authority. Mortgage-only subsection kept separate.\tWSR 18-16-024; September 1, 2018 as credited; original not read.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-510\tComplete selected (8)–(9); student-refinancing disclosure used.\tLatest rule credit WSR 22-24-048. Original 2019 selected disclosure text read; no claim that the 2022 order changed that particular clause.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-550\tComplete (1)–(24); reliance principally on payoff, payment receipt and negligent student-refinancing/modification delay.\tWSR 19-21-157; S013 complete rule read.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-554\tComplete rule; servicing-location restrictions and permitted back-office categories.\tWSR 19-21-157; S013 complete rule read. Current-page retrieval carried an older crawl marker.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-555\tComplete rule; reliance on (3)(c)–(d), not mortgage/origination pricing.\tWSR 19-21-157; S013 complete rule read.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-560\tComplete current rule; reliance on (2), expressly incorporated by student-fee rule.\tWSR 19-21-157; complete original (2) read.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-569\tComplete (1)–(4), all fee conditions.\tWSR 18-24-013; S012.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-950\tComplete (1)–(5), including every federal-compliance and communication qualification.\tWSR 19-21-157; complete 2018 and 2019 adopted versions read.\nhttps://app.leg.wa.gov/WAC/default.aspx?cite=208-620-960\tComplete (1)–(5), including the detailed-history and repeat-statement branches.\tWSR 19-21-157; complete 2018 and 2019 adopted versions read.\n§208-620-970 at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true\tComplete rule through the chapter route, including introductory federal-contract exception and both transfer roles. Individual-section route failed.\tWSR 18-24-013; complete adopted rule read in S012.\n\nThe principal current student-specific rules were freshly read with their qualifications, not reconstructed from agency summaries. \napp.leg.wa.gov\n+4"},"source_access_status":"researcher_reported","coordinator_verification_status":"selected_current_portions_checked_notwholechapter_orhistory","classification_reconciliation":"Sourcegroupheading/table omitted by generic parser; retained verbatim complete actual grouping, classification only.","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[7,8,9,10,11],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S003","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S003","Issuer/title and complete literal URL":"Washington Legislature, RCW 28B.85.010, degree-granting definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.85.010","Actual read bounds, edition/status and material limitation":"Complete (1)–(3), credits/notes. Current HTML; latest credit 2012 c 229 §542. Older original/application chain not completed."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S004","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020","https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S004","Issuer/title and complete literal URL":"Washington Legislature, RCW 28C.10.020, private-vocational-school definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28C.10.020","Actual read bounds, edition/status and material limitation":"Complete (1)–(12), credits; reliance on institutional/program definitions. Latest credit 2007 c 462 §1."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S005","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020","https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S005","Issuer/title and complete literal URL":"Washington Legislature, RCW 18.16.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=18.16.020","Actual read bounds, edition/status and material limitation":"Complete (1)–(37), notes; reliance on school definition (34). Latest credit 2025 c 194 §2; material effective clause checked in S016."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S006","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S006","Issuer/title and complete literal URL":"Washington Legislature, RCW 28B.07.020, definitions. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.07.020","Actual read bounds, edition/status and material limitation":"Complete (1)–(8), notes; reliance on complete (4). Latest credit 2011 1st sp.s. c 11 §136. Historical cross-referenced notes not fully authenticated."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S007","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S007","Issuer/title and complete literal URL":"Washington Legislature, RCW 28B.10.016 and .285. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.016; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.10.285","Actual read bounds, edition/status and material limitation":"Complete .016 and .285(1)–(9). Credits: .016, 1992 c 231 §1; .285, 2018 c 62 §2. S011 supplies amended .285; older 2017 enactment not separately read."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S008","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S008","Issuer/title and complete literal URL":"Washington Legislature, Student Achievement Council / advocate statutes. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.005; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.007; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.008; https://app.leg.wa.gov/RCW/default.aspx?cite=28B.77.010","Actual read bounds, edition/status and material limitation":"Complete identified sections. Credits respectively 2021 c 134 §1; 2018 c 62 §1; 2018 c 62 §5; 2012 c 229 §102. Advocate and account originals read in S011; full fiscal-allotment law excluded."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S009","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090","https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S009","Issuer/title and complete literal URL":"Washington Legislature, RCW 28B.76.090, Office of Student Financial Assistance. https://app.leg.wa.gov/RCW/default.aspx?cite=28B.76.090","Actual read bounds, edition/status and material limitation":"Complete (1)–(2), credits and note pointers. Latest credit 2012 c 229 §401. Program-by-program eligibility not read."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S010","urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093&utm_source=chatgpt.com","https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S010","Issuer/title and complete literal URL":"Washington Legislature, selected CPA provisions. https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.010; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.020; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.090; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.093; https://app.leg.wa.gov/RCW/default.aspx?cite=19.86.170","Actual read bounds, edition/status and material limitation":"Each identified section complete. Credits: .010/.020, 1961 c 216; .090/.093, 2009 c 371 §§1–2; .170, 1977 c 49 §1. S017 verifies the 2009 changes/application. District-court incorporation, broader exceptions and judicial construction remain held."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S011","urls":["https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6","https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S011","Issuer/title and complete literal URL":"Washington Legislature, 2018 c 62, E2SSB 6029, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/Senate/6029-S2.SL.pdf?cite=2018+c+62+s+6","Actual read bounds, edition/status and material limitation":"Entire parsed act, cover plus printed pp.1–32 / PDF indices 0–32. Particularly §§1–3, 5–18, 20–23. Cover states June 7, 2018 effective date; §21 separately limits the initial timing of DFI duties. Historical text where later amended."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S012","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm","https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S012","Issuer/title and complete literal URL":"DFI, WSR 18-24-013, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/24/18-24-013.htm","Actual read bounds, edition/status and material limitation":"Header/adoption/effective text; complete adopted 011, 104, 230, 300, 320, 324, 327, 328, 370, 569, 950, 960, 970; selected other portions. Not the whole order. Adopted/filed November 27, 2018; effective January 1, 2019."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S013","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm","https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S013","Issuer/title and complete literal URL":"DFI, WSR 19-21-157, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2019/21/19-21-157.htm","Actual read bounds, edition/status and material limitation":"Header; complete adopted 442, 520, 550, 554, 555, 950, 960; complete selected 510(8)–(9), 560(2); part of 490; repealer. Adopted/filed October 22, 2019; effective November 24, 2019."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S014","urls":["https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf","https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S014","Issuer/title and complete literal URL":"DFI, WSR 22-24-048, permanent rules. https://lawfilesext.leg.wa.gov/law/WSRPDF/2022/24/22-24-048.pdf","Actual read bounds, edition/status and material limitation":"Parsed header and complete amended 010, 250, 251, 300, printed pp.1–6 / PDF indices 0–5. Remaining order not fully read. Adopted/filed November 30, 2022; effective December 31, 2022."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S015","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2","https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S015","Issuer/title and complete literal URL":"Washington Legislature, 2024 c 249, SSB 6025, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+2","Actual read bounds, edition/status and material limitation":"Entire parsed act, cover and printed pp.1–7 / PDF indices 0–7. §§2–4 amend scope, violations and licensing consequences; §5 prospective-application clause. Effective June 6, 2024."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S016","urls":["https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2","https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S016","Issuer/title and complete literal URL":"Washington Legislature, 2025 c 194, EHB 1874, adopted session law. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/House/1874.SL.pdf?cite=2025+c+194+s+2","Actual read bounds, edition/status and material limitation":"Cover; complete §2(34), printed p.7 / PDF index 7, and §4, printed p.8 / PDF index 8; adjacent text also read. Not the whole act. Effective March 1, 2026."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S017","urls":["https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1","https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S017","Issuer/title and complete literal URL":"Washington Legislature, 2009 c 371, SSB 5531, adopted CPA amendment. https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5531-S.SL.pdf?cite=2009+c+371+s+1","Actual read bounds, edition/status and material limitation":"Entire parsed act, cover and printed pp.1–2 / PDF indices 0–2. §§1–3, including application clause. Effective July 26, 2009. No accrual analysis undertaken."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S018","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm","https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S018","Issuer/title and complete literal URL":"DFI, WSR 25-18-022, proposed rules. https://lawfilesext.leg.wa.gov/law/wsr/2025/18/25-18-022.htm","Actual read bounds, edition/status and material limitation":"Header/status/adoption-intention material only. Filed August 21, 2025. Intended adoption is not actual adoption. Proposed operative text not relied upon."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S019","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm","https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S019","Issuer/title and complete literal URL":"DFI, WSR 26-10-087, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/10/26-10-087.htm","Actual read bounds, edition/status and material limitation":"Complete short notice. Filed May 6, 2026; explains renewed preproposal following the earlier proposal’s age. No adopted rule established by this notice."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S020","urls":["https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm","https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S020","Issuer/title and complete literal URL":"DFI, WSR 26-18-028, preproposal. https://lawfilesext.leg.wa.gov/law/wsr/2026/18/26-18-028.htm","Actual read bounds, edition/status and material limitation":"Complete short notice. Filed August 25, 2026; agency fee/assessment waiver/refund authority subject. No new borrower refund entitlement inferred."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S021","urls":["https://app.leg.wa.gov/rcw/","https://app.leg.wa.gov/rcw/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S021","Issuer/title and complete literal URL":"Code Reviser, RCW publication index. https://app.leg.wa.gov/rcw/","Actual read bounds, edition/status and material limitation":"Publication/currentness paragraphs read. Displayed July 15, 2026 update. Index is not substantive student-loan law or proof against every later change."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}},{"source_id":"S_WA-P16-S022","urls":["https://app.leg.wa.gov/wac/","https://app.leg.wa.gov/wac/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P16-S022","Issuer/title and complete literal URL":"Code Reviser, WAC publication index. https://app.leg.wa.gov/wac/","Actual read bounds, edition/status and material limitation":"Publication/currentness paragraphs read. Displayed October 7, 2026. Distinguishes online updating from certified archive publication."},"coordinator_verification_status":"whole_original_source_record_read_not_freshly_reopened","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","selected_scope_indices":[],"whole_source_history_currentness_not_accepted":true,"original_researcher_prose_rows_accessclaims_unchanged":true}}],"coverage":[{"topic":"1 — Governing state framework/department","researcher_record":{"Scope item":"1 — Governing state framework/department","Disposition":"Answered—text","Source/claim/branch links":"S001–S002; C001","Exact remaining boundary":"Actual actor status and preemption open."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Student education loan/purpose/refinancing","researcher_record":{"Scope item":"1 — Student education loan/purpose/refinancing","Disposition":"Answered—text","Source/claim/branch links":"C002–C003; B001","Exact remaining boundary":"Particular obligation classification absent."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Private-loan terminology","researcher_record":{"Scope item":"1 — Private-loan terminology","Disposition":"Answered—definition separation","Source/claim/branch links":"C002–C003; B015/B023","Exact remaining boundary":"No transplantation of execution definitions; federal private-education definition not completed."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Borrower/shared responsibility","researcher_record":{"Scope item":"1 — Borrower/shared responsibility","Disposition":"Answered—text","Source/claim/branch links":"C006; B002/B015","Exact remaining boundary":"No cosigner-release entitlement inferred."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Educational definitions","researcher_record":{"Scope item":"1 — Educational definitions","Disposition":"Answered—incorporated state bodies","Source/claim/branch links":"S003–S007; C004–C005","Exact remaining boundary":"Older historical application chains partly held; no institution lookup."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Enrolled receivables/refinancing","researcher_record":{"Scope item":"1 — Enrolled receivables/refinancing","Disposition":"Partial—wording interaction","Source/claim/branch links":"C022; B003","Exact remaining boundary":"Formal construction of statute/rule relationship."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Resident/remote/physical-presence nexus","researcher_record":{"Scope item":"1 — Resident/remote/physical-presence nexus","Disposition":"Answered—text; application held","Source/claim/branch links":"C007/C011; B002","Exact remaining boundary":"Actual nexus and jurisdiction not reconstructed."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Originator/owner/servicer/collector","researcher_record":{"Scope item":"1 — Originator/owner/servicer/collector","Disposition":"Answered—role separation","Source/claim/branch links":"C008–C010/C014","Exact remaining boundary":"Collection-law classification and ownership proof remain separate."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"1 — Exclusions/exemptions","researcher_record":{"Scope item":"1 — Exclusions/exemptions","Disposition":"Answered—enumerated gateways","Source/claim/branch links":"C012–C021","Exact remaining boundary":"Other sector statutes and federal definitions are not complete classifications."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — License requirement and ordinary channel","researcher_record":{"Scope item":"2 — License requirement and ordinary channel","Disposition":"Answered—text","Source/claim/branch links":"C023–C026","Exact remaining boundary":"DFI operational webpage failed; no actual application or status checked."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Automatic/streamlined treatment","researcher_record":{"Scope item":"2 — Automatic/streamlined treatment","Disposition":"Partial—no general automatic route established in read provisions","Source/claim/branch links":"C015–C021/C025; B006","Exact remaining boundary":"Exact generic waiver or other authority would need authentication."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Locations/out-of-state conditions","researcher_record":{"Scope item":"2 — Locations/out-of-state conditions","Disposition":"Answered—text","Source/claim/branch links":"C024","Exact remaining boundary":"Mortgage remote-work exceptions not generalized."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Bond/capital/assessment","researcher_record":{"Scope item":"2 — Bond/capital/assessment","Disposition":"Answered—generic relations","Source/claim/branch links":"C027–C033; Q005–Q009","Exact remaining boundary":"Mixed activity and actual waiver/financial sufficiency held."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Renewal/retention/expiration","researcher_record":{"Scope item":"2 — Renewal/retention/expiration","Disposition":"Answered—text","Source/claim/branch links":"C034–C036","Exact remaining boundary":"Full licensing-reporting system is not reproduced."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"2 — Surrender/cessation/debt validity","researcher_record":{"Scope item":"2 — Surrender/cessation/debt validity","Disposition":"Answered—text; construction held","Source/claim/branch links":"C037–C040/C103; B007/B021","Exact remaining boundary":"Later licensing defect versus prior lawful loan unresolved."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":["S_WA-P16-C039-PINPOINT-001"],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Receipt/processing/credit","researcher_record":{"Scope item":"3 — Receipt/processing/credit","Disposition":"Answered—distinct triggers","Source/claim/branch links":"C048–C050","Exact remaining boundary":"Federal compliance, address and accounting predicates unprovided."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Allocation/overpayment/underpayment","researcher_record":{"Scope item":"3 — Allocation/overpayment/underpayment","Disposition":"Partial—controlling intent/note relation read","Source/claim/branch links":"C047/C073; B009","Exact remaining boundary":"No universal allocation, automatic overpayment refund or underpayment-default rule established."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Fees/refunds/collection charges","researcher_record":{"Scope item":"3 — Fees/refunds/collection charges","Disposition":"Answered—bounded categories/ceilings","Source/claim/branch links":"C051–C058/C066","Exact remaining boundary":"Contract, actual cost, federal limits and full origination pricing excluded."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Records/statements","researcher_record":{"Scope item":"3 — Records/statements","Disposition":"Answered—text","Source/claim/branch links":"C060–C065/C096","Exact remaining boundary":"Mortgage-only record rules not transferred."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Payoff/account information","researcher_record":{"Scope item":"3 — Payoff/account information","Disposition":"Answered—text","Source/claim/branch links":"C061/C063/C067","Exact remaining boundary":"No actual balance, note, history or payoff examined."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Errors/disputes","researcher_record":{"Scope item":"3 — Errors/disputes","Disposition":"Answered—response/correction rules","Source/claim/branch links":"C060/C066","Exact remaining boundary":"No universal collection stay or furnishing outcome inferred."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Communication/representative/electronic consent","researcher_record":{"Scope item":"3 — Communication/representative/electronic consent","Disposition":"Answered—text","Source/claim/branch links":"C044–C046/C059","Exact remaining boundary":"Authorization, verification and actual receipt remain absent."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Transfers","researcher_record":{"Scope item":"3 — Transfers","Disposition":"Answered—statute/rule text; qualification held","Source/claim/branch links":"C069–C072; B014","Exact remaining boundary":"Federal contract and statutory/rule interaction not presumed resolved."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"3 — Credit reporting/default/collection","researcher_record":{"Scope item":"3 — Credit reporting/default/collection","Disposition":"Partial—student-specific clauses","Source/claim/branch links":"C041–C043/C061","Exact remaining boundary":"Full FCRA/FDCPA/collection and adjudication regimes open."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Repayment/forgiveness information","researcher_record":{"Scope item":"4 — Repayment/forgiveness information","Disposition":"Answered—information duty","Source/claim/branch links":"C074–C075","Exact remaining boundary":"Program eligibility/current federal terms held."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Refinancing/default prevention","researcher_record":{"Scope item":"4 — Refinancing/default prevention","Disposition":"Answered—disclosure and delay rule","Source/claim/branch links":"C076–C077","Exact remaining boundary":"No advice, approval or mandatory modification inferred."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Military/protected status","researcher_record":{"Scope item":"4 — Military/protected status","Disposition":"Partial—state screening duty","Source/claim/branch links":"C078; B016","Exact remaining boundary":"Underlying federal/state entitlement definitions not completed."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Cosigner/death/disability/forbearance","researcher_record":{"Scope item":"4 — Cosigner/death/disability/forbearance","Disposition":"Unresolved substantive-relief branch","Source/claim/branch links":"C079; B015","Exact remaining boundary":"Exact program/private-loan authorities required; no absence-of-right finding."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"4 — Institutional information and advocate assistance","researcher_record":{"Scope item":"4 — Institutional information and advocate assistance","Disposition":"Answered—bounded duties","Source/claim/branch links":"C080–C093","Exact remaining boundary":"No actual aid or assistance approval."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Examination/records","researcher_record":{"Scope item":"5 — Examination/records","Disposition":"Answered—generic authority","Source/claim/branch links":"C094–C097","Exact remaining boundary":"Actual examination, subpoena execution and complete court-fee process excluded."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Orders/license sanctions/penalties","researcher_record":{"Scope item":"5 — Orders/license sanctions/penalties","Disposition":"Answered—text","Source/claim/branch links":"C098–C102","Exact remaining boundary":"APA, actual findings and discretion remain."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Refund/restitution","researcher_record":{"Scope item":"5 — Refund/restitution","Disposition":"Answered—separate causal bases","Source/claim/branch links":"C055/C066/C100","Exact remaining boundary":"No amount or actual recovery determined."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Good faith/criminal boundary","researcher_record":{"Scope item":"5 — Good faith/criminal boundary","Disposition":"Answered—express qualifications","Source/claim/branch links":"C104–C105","Exact remaining boundary":"No broader immunity or criminal outcome inferred."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — CPA/private remedy","researcher_record":{"Scope item":"5 — CPA/private remedy","Disposition":"Partial—operative incorporation and principal clauses","Source/claim/branch links":"C108–C112; B020","Exact remaining boundary":"Full construction, jurisdiction and duplicate-recovery issues held."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"5 — Nonwaiver/contract","researcher_record":{"Scope item":"5 — Nonwaiver/contract","Disposition":"Answered—identified narrow clauses","Source/claim/branch links":"C087/C111","Exact remaining boundary":"No complete contract-enforceability survey."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — 2018/2019/2022 adopted originals","researcher_record":{"Scope item":"6 — 2018/2019/2022 adopted originals","Disposition":"Answered within listed read bounds","Source/claim/branch links":"S011–S014; C113–C116","Exact remaining boundary":"Remaining portions/older lineage not represented as read."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — 2024/2025–2026 application changes","researcher_record":{"Scope item":"6 — 2024/2025–2026 application changes","Disposition":"Answered within component","Source/claim/branch links":"S015–S016; C117–C118","Exact remaining boundary":"Historical transaction application remains unprovided."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Proposed/preproposal status","researcher_record":{"Scope item":"6 — Proposed/preproposal status","Disposition":"Answered—status only","Source/claim/branch links":"S018–S020; C119","Exact remaining boundary":"Later adoption absence not certified."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Federal and state program regimes","researcher_record":{"Scope item":"6 — Federal and state program regimes","Disposition":"Excluded/precise dependencies","Source/claim/branch links":"B015–B017/B023–B024","Exact remaining boundary":"HEA, federal consumer law, bankruptcy, program relief and institutional programs open."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Local/tribal/interstate/privacy/insurance/tax/security","researcher_record":{"Scope item":"6 — Local/tribal/interstate/privacy/insurance/tax/security","Disposition":"Excluded/held","Source/claim/branch links":"B025","Exact remaining boundary":"No uniformity or actual applicability conclusion."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"6 — Judicial construction","researcher_record":{"Scope item":"6 — Judicial construction","Disposition":"Excluded by owner boundary","Source/claim/branch links":"B003/B007/B020/B026","Exact remaining boundary":"No cases, opinions or dockets investigated."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — Fresh official bodies/direct URLs","researcher_record":{"Scope item":"7 — Fresh official bodies/direct URLs","Disposition":"Answered","Source/claim/branch links":"S001–S022","Exact remaining boundary":"Scope of every read identified; failures separately logged."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — Adopted versus current codified text","researcher_record":{"Scope item":"7 — Adopted versus current codified text","Disposition":"Answered with explicit gaps","Source/claim/branch links":"Source register/version table","Exact remaining boundary":"Older originals and later-change exhaustiveness remain held."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — Numerical and counting completeness","researcher_record":{"Scope item":"7 — Numerical and counting completeness","Disposition":"Answered for relied-on measures","Source/claim/branch links":"Q001–Q045","Exact remaining boundary":"No invented counting, rounding, input or calendar result."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"7 — Failed routes/discovery-only material","researcher_record":{"Scope item":"7 — Failed routes/discovery-only material","Disposition":"Answered","Source/claim/branch links":"Read/failure log below","Exact remaining boundary":"Failure is not absence of law."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}},{"topic":"Registry dimension 6 / Washington / A066","researcher_record":{"Scope item":"Registry dimension 6 / Washington / A066","Disposition":"Remain open","Source/claim/branch links":"Entire retained-scope record","Exact remaining boundary":"This component supplies no broader acceptance."},"raw_table_index":15,"coordinator_acceptance":"scoped_text_review_only_UNSENT_pinpoint_correction_andalloriginal_holds","coordinator_review":{"review":"[internal evidence reference]","reviewed_at":"2026-10-29T10:36:41.662466+00:00","source_check_record":"[internal evidence reference]","material_findings":[],"original_disposition_not_upgraded":true,"state_dimension6_A066_parent_acceptance":false}}],"annotations":{},"corrections":[{"issue_id":"S_WA-P16-C039-PINPOINT-001","finding":"C039attributesnonmortgageloanconsequence to.035(2)(a); officialcurrenttextplacesit in(2)(b). (2)(a)addressesmortgageoriginationnonthird-partyfee refunds.","affected_claim_ids":["S_WA-P16-C039"],"related_claim_ids":[],"validated_exact_raw_rows":[{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":17,"header_repeated_at_row_zero":true,"row_cells_sha256":"3236f69d1771adb8c2fd0d91dfba5b7969155635fff628b08197eed274c75ed7","verbatim_cells":["S_WA-P16-C039","Current §.035 provides that a nonmortgage loan in a transaction violating its license requirement is null, void, uncollectable and unenforceable.","S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version."]}],"exact_original_cell_matches":[{"native_field":"original_source_cell","original_text":"S001 §.035(1)–(2)(a); S015 §§4–5. This is conditional on the transaction violation and applicable version.","matches":[{"raw_table_index_zero_based":6,"raw_array_row_index_zero_based_including_header":17,"cell_index_zero_based":2}],"automatic_application_allowed":true}],"source_urls":["https://app.leg.wa.gov/RCW/default.aspx?cite=31.04.035"],"localization":"exact_native_row_or_cell_matches_available","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_WA-P16-REVIEW-SCOPE","status":"scoped_coordinator_studentservicing_review_complete_one_pinpoint_correction_UNSENT_source_history_construction_application_parent_holds","at":null},{"id":"S_WA-P16-STATUTE-RULE-FEDERAL-CONSTRUCTION-HOLD","status":"SELECTED_TEXT_CHECKED_INTERACTIONS_UNRESOLVED","at":null},{"id":"S_WA-P16-HISTORY-CURRENTNESS-SOURCE-HOLD","status":"20WHOLEGROUPS_AND_UNREAD_CLAUSES_OF2GROUPS_UNREFRESHED","at":null},{"id":"S_WA-P16-APPLICATION-SPECIALREGIME-PARENT-HOLD","status":"NO_ACTUAL_SCOPE_AUTHORITY_ELIGIBILITY_FEE_RECOVERY_ORPARENT_ACCEPTANCE","at":null}]}