{"meta":{"key":"s_wa--pass-17","task":"S_WA","title":"SWA Washington small-loan / payday / deferred-deposit component","parent_title":"Washington debt and debt relief law","edition":"pass-17","path":"/research/s_wa--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":29,"claims":141,"sources":134,"review_status":"reviewed_scoped_partial_with_holds","review_complete":true,"sha256":"c6c19f2313c947210f26597a91be0f33cc13345d1102f32ef433b3fb68ef2088","headings":["1. Reading conventions and evidentiary status","2. Atomic consequential-claim register","A. Category, actor, exemption, and territorial boundaries","B. License, endorsement, limited-agent, and financial-security structure","C. Amount, income, term, repeat borrowing, and price","D. Agreement, disclosures, rescission, prepayment, and installment plans","E. Default, payment instruments, and sector collection restrictions","F. Database, records, security, and continuing duties","G. Prohibitions, enforcement, remedies, complaints, and nonwaiver","H. Version, proposal, and incorporation findings","3. Product, actor, exemption, license, charge, plan, default, and remedy distinctions","4. Complete relied-on quantity, unit, base, frequency, endpoint, and exception register","Symbol definitions","A. Borrower/product quantities","B. Market-access, records, reporting, and remedy quantities","5. Material version, effective-date, application, and transition relationships","6. Prior reviewed scope, reuse, new evidence, and remaining gaps","7. Conditional branches: missing predicate, supported consequence, inference restraint, next generic inquiry","8. Wholly blank conceptual worksheet","9. Granular coverage of questions 1–8","10. Complete source and usage register","A. Current core statutes","B. Current implementing rules","C. Necessary incorporated/boundary statutes","D. Adopted statutory and rule originals","E. Currentness and proposal-status sources","F. Additional complete current rules used for rights and continuing duties","G. Failed or nonrelied access records","11. Complete read, search, and failure log","A. Consolidated read log","B. Search log","C. Fresh failure and alternate-route log","12. Exact remaining currentness, history, incorporation, and construction gaps","13. 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-17","facets":{"geography":["us","us-wa"],"debt_type":["payday"],"stage":[],"subject":[]},"scope":"Independent required generic payday-smallloan-deferredpresentment sector dimension6; priorprovider/wages/limitations/studentservicing/ordinaryloan/federalmerits excluded.","pending_corrections":0},"markdown":"# SettleADebt S_WA PASS-17 — Washington small-loan / payday / deferred-deposit component\n\n**Same research pass: S_WA/PASS-17, ATTEMPT-02. Registry dimension 6.**\n**Public-source research date: October 28, 2026, America/Los_Angeles.**\n**Disposition: focused researcher report completed, with the specific currentness, incorporation, history, and construction holds recorded below. No broader Washington or parent acceptance follows.**\n\nThe authenticated statutory category is the **“small loan” under chapter 31.45 RCW, “Check Cashers and Sellers.”** Within its implementing rules, “payday advance loan,” “payday loan,” and “deferred deposit loan” mean that small loan. Those definitions do not make every product marketed as an advance, installment loan, earned-wage product, or short-term credit a chapter 31.45 transaction. The statute separately addresses exempt institutions, check-cashing and check-selling activities, lending endorsements, and agents. [app.leg.wa.gov+2](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com)\n\nThe central debt protections are the aggregate principal/income limit, the fee tiers, the rolling loan-count restriction, payment-date requirements, restrictions on refinancing, a no-additional-charge installment-plan structure, instrument and collection protections, and transaction registration. The database charge previously encountered as a proposal **was adopted**: the opened permanent rule makes it **$2 per registered loan, charged to the licensee, effective March 1, 2025**, with the rescission exception retained. This is not a finding that the charge may be passed through to a borrower. [app.leg.wa.gov+4](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com)\n\nSeveral boundaries remain material. The statute and a rule differ at the net-worth equality threshold; the installment-plan texts use different amount terminology and contain overlapping payment-structure language; and the database rule contains an internally inconsistent default-counting illustration. The report preserves those conflicts. It also distinguishes the express transaction consequence in RCW 31.45.105(3) from administrative sanctions, bond recovery, and Consumer Protection Act remedies, each of which has separate predicates. [app.leg.wa.gov+5](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-260&utm_source=chatgpt.com)\n\n## 1. Reading conventions and evidentiary status\n\nIn cross-reference columns, **S001** means **S_WA-P17-S001**, and **C001** means **S_WA-P17-C001**. The source and claim registers display the full identifiers.\n\n| Mark | Meaning |\n| --- | --- |\n| **A** | Authenticated proposition from the identified public operative text, subject to its stated predicates and the report’s currentness boundary. |\n| **I** | Expressly identified inference from the authenticated text; not a judicial construction. |\n| **H** | Exact issue held because a necessary incorporation, historical instrument, construction, or application predicate is not completed. |\n| **X** | Deliberately excluded from this component. |\n| **M** | Supplied coordination/provenance metadata; not newly authenticated sector law. |\n\nAll monetary amounts, percentages, durations, dates, and counts below are **source-stated legal quantities**. No financial inputs, populated calculation, repayment schedule, actual calendar result, identifying narrative, or completed form is supplied.\n\n“Complete section read” means the operative section was read through its end, including its internal exceptions and displayed history or application notes. It does **not** mean that every authority mentioned in its footnotes was opened. Opened originals and uncompleted incorporations are separately identified.\n\n## 2. Atomic consequential-claim register\n\n### A. Category, actor, exemption, and territorial boundaries\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C001** | A | The relevant statutory chapter is **chapter 31.45 RCW, Check Cashers and Sellers**; the implementing chapter is **chapter 208-630 WAC, Regulation of Check Cashers and Sellers and Small Loans (Payday Lenders)**. | S001–S002, chapter headings. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45&full=true&utm_source=chatgpt.com) |\n| **S_WA-P17-C002** | A/I | WAC 208-630-110 equates payday advance, payday, and deferred-deposit loans with the chapter’s small loan. This is an in-chapter definition, not a universal classification of marketed products. | S027, definitions; S003(21). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-110&utm_source=chatgpt.com) |\n| **S_WA-P17-C003** | A | A chapter 31.45 borrower is a **natural person receiving a small loan**. The definition does not itself impose the consumer-purpose formulation used in other chapters. | S003(2), (21). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C004** | A | “Licensee” includes a check casher or seller, inside or outside Washington, that failed to obtain a required license or endorsement. The definition does not itself establish that a particular activity required one. | S003(13). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C005** | A/H | “Check” incorporates RCW 62A.3-104(f) and, for small-loan business, adds electronic forms of payment. The rule’s “postdated check” definition excludes an electronically submitted promise or order. These are distinct definitions; full UCC instrument consequences remain held. | S003(4), S027; S060(a)–(j). [app.leg.wa.gov+2](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C006** | A | Chapter 31.45 does not apply to a financial institution or trust company **authorized to do business in Washington**. “Financial institution” includes the specified bank, savings, and credit-union categories. | S004(1)(a); S003(11). [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020&utm_source=chatgpt.com) |\n| **S_WA-P17-C007** | A | The incidental check-cashing exemption requires all three conditions: customer convenience, a minor part of customary business, and no profit from the activity. | S004(1)(b). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020&utm_source=chatgpt.com) |\n| **S_WA-P17-C008** | A | The audited-net-worth exemption concerns **issuance or sale** of instruments by the specified entities, and a separate paragraph covers their issuance/sale agents. It is not textually a general small-loan exemption. | S004(1)(c)–(d); quantity Q044. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020&utm_source=chatgpt.com) |\n| **S_WA-P17-C009** | A | A discretionary exemption requires an application and a director finding that the applicant is not primarily a check-cashing/selling business and that the exemption would not harm the public. Filing is not the exemption. | S004(2). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020&utm_source=chatgpt.com) |\n| **S_WA-P17-C010** | A/H | A person making small loans as agent for a licensee or exempt entity is subject to RCW 31.45.079’s license-and-endorsement requirement. Its federal-preemption qualification reaches only the provisions actually preempted; preemption is not established here. | S012, complete section. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.079&utm_source=chatgpt.com) |\n| **S_WA-P17-C011** | A | RCW 31.45.105(1)(d) expressly reaches making a small loan to a person **physically in Washington** through internet, telephone, facsimile, kiosk, or other means without the endorsement. | S022(1)(d). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com) |\n| **S_WA-P17-C012** | H | The physical-location clause and outside-state licensee definition do not complete residence-only, choice-of-law, tribal-jurisdiction, sovereign-immunity, or federal-preemption questions. | S003(13), S012, S022(1)(d); gaps G019–G020. |\n| **S_WA-P17-C013** | A | RCW 31.04.025(4)(d) separately excludes persons making loans **under chapter 31.45** from the Consumer Loan Act. Ordinary CLA credit therefore cannot be merged into this sector solely because it is small or short term. | S066(4)(d); S067(14), (16). [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025&utm_source=chatgpt.com) |\n| **S_WA-P17-C014** | A/I | The CLA’s business-purpose exclusion and its residential-dwelling qualification are chapter-specific. Neither that exclusion nor the supplied chapter 18.28 finding establishes a chapter 31.45 business-purpose exemption. | S066(4)(e); S003(2); supplied P1 record. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025&utm_source=chatgpt.com) |\n| **S_WA-P17-C015** | A/H | Retail installment sales have separate definitions in RCW 63.14.010. RCW 31.45.105(1)(e) additionally prohibits the specified retail installment sale of open-loop prepaid access. The incorporated federal prepaid definitions were not authenticated because the official route was blocked. | S068; S022(1)(e); S132. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=63.14.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C016** | A | RCW 31.45.070(2)’s government/employer payroll-check exception concerns a check payable on the first banking day after cashing. It is not a general employer wage-advance or earned-wage-access exemption. | S009(2). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.070&utm_source=chatgpt.com) |\n| **S_WA-P17-C017** | H | Classification of earned-wage advances, tips, subscriptions, expedited-access charges, and nonrecourse arrangements is not settled by a marketed label or the payroll-check exception. The opened EWA bill histories do not authenticate an enacted alternative framework. | S009; S067(14), (16); S105–S106. [app2.leg.wa.gov+2](https://app2.leg.wa.gov/billsummary?BillNumber=1063&Year=2026&utm_source=chatgpt.com) |\n| **S_WA-P17-C018** | A/H | A chapter 31.45 small loan cannot take other property, title, or ownership evidence as collateral. Pawnbroking is separately defined and recognized in the same-premises provision; complete pawn/title/secured-credit law is outside this pass. | S010(6); S009(1); S069(6). [app.leg.wa.gov+2](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-C019** | A/H | The complete current chapter reviewed does not establish the separate “small consumer installment loan” framework proposed in the opened 2015 bill history. That history supplies proposal status, not an adopted product or a universal absence finding. | S001–S002; S107. [app.leg.wa.gov](https://app.leg.wa.gov/billsummary?BillNumber=5899&Initiative=False&Year=2015&utm_source=chatgpt.com) |\n| **S_WA-P17-C020** | A/H | RCW 31.45.210 supplies its own military-borrower definition and protections. WAC 208-630-5401 separately incorporates federal military-credit law; the full federal coverage, exclusions, and consequences remain held. | S026(1)–(2); S002, -5401; S089, S091. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.210&utm_source=chatgpt.com) |\n\n### B. License, endorsement, limited-agent, and financial-security structure\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C021** | A | Unless exempt, check-cashing/selling business requires a license for each location under the statutory licensing structure. | S005(1); S002, -120, -140–170. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com) |\n| **S_WA-P17-C022** | A | Small-loan making requires an endorsement for each lending location; an endorsed lending location may differ from a check-cashing/selling location. | S010(1). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-C023** | A | The endorsement application is a written application supported by required security and financial information. The rule requires current-quarter GAAP information and specified background information; these are application predicates, not an approval. | S011(1)–(3); S028(1)–(6). [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.077&utm_source=chatgpt.com) |\n| **S_WA-P17-C024** | A | Issuance depends on the director’s investigation and findings concerning statutory compliance, financial responsibility, fitness, and security; discretionary and mandatory disqualifications differ. | S006(1)–(3); Q046. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com) |\n| **S_WA-P17-C025** | A | The license is nontransferable/nonassignable and must be posted. Continuing status is subject to annual-assessment and expiration provisions; it is not a permanent authorization unaffected by later duties. | S006(4)–(5); S007. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com) |\n| **S_WA-P17-C026** | A | RCW 31.45.043 authorizes a multistate application/administration system, and .045 concerns condition reports. A system submission is distinct from issuance of a license or endorsement. | S001, .043–.045; S085 §8; S086 §9. [lawfilesext.leg.wa.gov+1](https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2255-S.SL.pdf?cite=2012+c+17+s+7&utm_source=chatgpt.com) |\n| **S_WA-P17-C027** | A | The rules recognize branches and treat staffed or unstaffed terminals/kiosks as locations; placement on an exempt entity’s premises does not itself supply the required authorization. | S002, -155–170; S094. [app.leg.wa.gov+1](https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true&utm_source=chatgpt.com) |\n| **S_WA-P17-C028** | A | Small-loan agent services have a **limited-agent licensing** structure under -135–138. The current service list covers marketing, information gathering, documentation, disclosures, and collection subject to the collection qualification. | S027; S029–S031; S002, -136; S093. [lawfilesext.leg.wa.gov+2](https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C029** | A/H | Endorsed persons and specified persons licensed, exempt, or otherwise authorized to collect under Washington law are excluded from the rule’s agent-services definition. Full chapter 19.16 collector status is not determined. | S027; S002, -136; S093–S094. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C030** | A | Limited agents have public-facing nonlender/complaint/privacy disclosures and restrictions on selling nonpublic information to unlicensed recipients; consent concerning uses outside the represented scope is separately required. | S030–S031, complete sections. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-137&utm_source=chatgpt.com) |\n| **S_WA-P17-C031** | A | The small-loan bond secures borrower loss caused by chapter/rule violations, subject to express exclusions for interest, consequential damages, and specified tort liabilities. It is not general liability insurance. | S005(5)(b)–(c); S071. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com) |\n| **S_WA-P17-C032** | A/H | The adopted small-loan bond amount is the base plus the increment for endorsed branches beyond one branch. Whether a headquarters is counted as a branch is not resolved by inventing a counting rule. | S032; Q035. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-250&utm_source=chatgpt.com) |\n| **S_WA-P17-C033** | A/H | RCW 31.45.030 and WAC -130 use net worth **in excess of** three times the bond; WAC -260 uses **at least** three times. Equality is held; the inclusive rule wording is not treated as overriding the statute. | S005(5)(e), S028(2), S033(2). [app.leg.wa.gov+2](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com) |\n| **S_WA-P17-C034** | A | A permitted bond alternative requires director approval and continuing financial reporting, asset exclusions, and corrective security duties. Accounting charge-off under that rule does not itself discharge a borrower’s debt. | S033(1)–(5); Q037, Q041–Q043. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-260&utm_source=chatgpt.com) |\n| **S_WA-P17-C035** | A/H | A borrower damaged by a chapter/rule violation may have a bond/deposit action, subject to exclusive superior-court jurisdiction, the literal dishonor-based period, valid-claim requirements, and proportional sharing if insufficient. The clock for loan injury without a relevant dishonor is held. | S005(5)(d); S002, -220. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com) |\n| **S_WA-P17-C036** | A | The bond is continuous; repeated renewals do not stack penal sums. Cancellation and claim-notification rules have separate reference events. | S005(5)(c); S002, -180–230; Q038–Q040. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C037** | A/I | RCW 31.45.080’s trust-fund structure concerns funds from **sales of checks and similar instruments**. It is not authority for treating all small-loan proceeds or repayments as the same trust fund or imposing a universal loan liquidity reserve. | S013(1)–(3); S002, -950. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080&utm_source=chatgpt.com) |\n| **S_WA-P17-C038** | A | Application, examination, annual-assessment, bond, and database amounts are licensee-side obligations. They are distinct from the borrower-facing fee permissions in .073 and the default rules. | S034; S002, -290–310, -350–390; S056(13); Q049–Q050. [app.leg.wa.gov+2](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-400&utm_source=chatgpt.com) |\n\n### C. Amount, income, term, repeat borrowing, and price\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C039** | A | The principal limit applies both to an individual small loan and to outstanding principal across **all licensees at one time**, using the lower of the dollar and gross-income limits. | S010(2); S035; Q001. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-C040** | A/H | Gross monthly income is total personal income earned during a month before taxes/deductions. The text does not provide a complete irregular-income annualization or rounding algorithm. | S027, income definition. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-110&utm_source=chatgpt.com) |\n| **S_WA-P17-C041** | A | The rule requires income substantiation by enumerated or approved methods, periodic independent verification, and written change/no-change information between verifications. | S036(1)–(5); Q004. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-462&utm_source=chatgpt.com) |\n| **S_WA-P17-C042** | A | The eight-loan restriction is across all licensees in **any twelve-month period**, not a calendar-year allowance or a separate allowance per lender. | S010(4); S037; Q005. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-C043** | A | A new small loan cannot pay an existing small loan of the same lender or affiliate, and proceeds cannot be applied to another loan of that lender or affiliate. | S050, complete section. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-544&utm_source=chatgpt.com) |\n| **S_WA-P17-C044** | A/H | Due-date and maximum-term rules operate together, with a no-additional-cost extension exception. The precise seventh-day issue and interaction of a closed-day extension with the maximum term remain held. | S010(2); S041(1)–(3); S118(6); Q006–Q008. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com) |\n| **S_WA-P17-C045** | A | For the due-date rule, the relevant pay date is the later of scheduled pay and electronic credit to the account. This is a statutory/rule reference event, not an actual account finding. | S041(4). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com) |\n| **S_WA-P17-C046** | A | If the lender is closed on the stated due date, the rule requires automatic extension to its next business day. No calendar result is supplied. | S041(3). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com) |\n| **S_WA-P17-C047** | A | The charge ceiling aggregates **interest and fees**, using the statutory principal tiers; it is not an independently authenticated annual rate or APR ceiling. | S010(5); S038(1)–(2); Q002. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-466&utm_source=chatgpt.com) |\n| **S_WA-P17-C048** | A | Multiple loans by the same licensee cannot restart the higher first-tier percentage above the aggregate-principal threshold at one time. | S010(5); S038(3); Q003. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-C049** | A/H | The director has rulemaking authority to identify fees outside .073’s limit. That delegation does not itself establish any unlisted fee, insurance charge, subscription, tip, or database-fee pass-through permission. | S010(5); S048, S054, S056(13). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-C050** | A | The default-related new-loan bar ends at the earlier statutory event: full payment or passage of the specified period from **loan origination**. It is not a debt-discharge or general limitations rule. | S010(2); S046; Q009. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-532&utm_source=chatgpt.com) |\n| **S_WA-P17-C051** | A | The installment-plan new-loan bar similarly uses payment or the specified period from **plan origination/initiation**, across licensees. | S010(3); S047; Q010. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-533&utm_source=chatgpt.com) |\n| **S_WA-P17-C052** | I/H | No additional universal post-payment cooling-off interval was authenticated in the complete current core text. The former successive-loan structure cannot be imported as a current waiting period. | S001–S002; S082, S092; history H05 below. |\n\n### D. Agreement, disclosures, rescission, prepayment, and installment plans\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C053** | A | Each endorsed small loan must have a written note/agreement containing origination, principal, repayment method and cash-redemption cutoff if applicable, termination, fee amount/method, APR, and borrower signature or electronic signature. | S039(1)–(7). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-490&utm_source=chatgpt.com) |\n| **S_WA-P17-C054** | A | The copy must be provided, or electronically made available, when the borrower executes the note/agreement. | S040. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-500&utm_source=chatgpt.com) |\n| **S_WA-P17-C055** | A/H | State law requires charge/term information, APR treatment in relevant advertisements, and delivery of applicable disclosures. Its TILA/Regulation Z references do not complete federal coverage, calculation, timing, or remedies. | S017(1)–(4); S111(1)–(2). [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.088&utm_source=chatgpt.com) |\n| **S_WA-P17-C056** | A | The application-front warning has a minimum type-size requirement. Its required substance is recorded without reproducing a consumer notice or template. | S001, .085; S111(3); Q029. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560&utm_source=chatgpt.com) |\n| **S_WA-P17-C057** | A/H | Rights disclosures must be clear and conspicuous; location and internet posting duties are separate. The website rule’s self-reference to subsections “(1) and (2)” is preserved as a drafting issue. | S002, -590–600; S113(1)–(3). [lawfilesext.leg.wa.gov+1](https://lawfilesext.leg.wa.gov/law/wsr/2009/24/09-24-089.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C058** | A/H | WAC -601’s Spanish-language notice provision is explicitly part of the **2010 transition notice**. It does not authenticate a general current duty to translate every agreement. | S114, complete section. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com) |\n| **S_WA-P17-C059** | A/H | The statutory rescission right is conditional on timely return of principal in the permitted form and carries no charge. The statute/rule wording and electronic-receipt reference events must be reconciled before any actual deadline conclusion. | S016; S056(11); Q011. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.086&utm_source=chatgpt.com) |\n| **S_WA-P17-C060** | A | Rescission requires return of the security/electronic equivalent; the rule provides return or requested destruction and voiding of an ACH authorization that cannot be destroyed. This concerns authorization as well as contract rescission. | S016; S112, rescission paragraph. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570&utm_source=chatgpt.com) |\n| **S_WA-P17-C061** | A | The ordinary loan can be paid before its due date without an additional charge; the plan can be paid off at any time without a prepayment penalty, fee, or charge. | S041(5); S015(1); S043(5). [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com) |\n| **S_WA-P17-C062** | H | Those provisions do not supply a universal partial-payment allocation rule or a general unearned-origination-fee rebate formula. Neither is imported from the CLA or student-servicing law. | S041(5), S015(1), S044(5); gap G011. |\n| **S_WA-P17-C063** | A | Cash payoff and cash plan payments require an authenticated receipt identifying the payment and whether it relates to the loan or plan. No receipt is generated here. | S116, complete section; S008(1). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505&utm_source=chatgpt.com) |\n| **S_WA-P17-C064** | A | Notification that the borrower will be or is unable to pay triggers the lender’s duty to inform the borrower of the installment-plan right. | S015(1); S117. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506&utm_source=chatgpt.com) |\n| **S_WA-P17-C065** | A | Conversion is required upon the borrower’s request under the governing provisions. Notice of inability, disclosure of a right, an actual request, and an acknowledged plan are separate events. | S015(1); S042. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com) |\n| **S_WA-P17-C066** | A/H | The request rule permits a request on or before the due date, with a due-day cutoff and an extension when the loan due date extends. The prohibition rule’s shorter “before” wording is not used to erase the express same-day provision. | S042(1)–(3); S059(1); Q012. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-510&utm_source=chatgpt.com) |\n| **S_WA-P17-C067** | A | The plan must be written and acknowledged by both sides. An alternative written plan is permitted only on no-less-favorable terms and without charge. | S015(1); S043(1), (6); S044(1). [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-520&utm_source=chatgpt.com) |\n| **S_WA-P17-C068** | A/H | The minimum plan periods depend on the amount threshold, but .084 changes from “loan amount” to “loaned amount,” while the rules use other formulations. The fee-inclusive threshold boundary is held. | S015(1); S043(2)–(3); S044(3)–(4); Q013. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com) |\n| **S_WA-P17-C069** | A/H | Substantial equality, pay-date positioning, spacing, monthly distribution, and the minimum-payment-count language must be read together. The rule allowing mutually agreed fewer payments is not silently treated as eliminating the other rule’s minimum. | S003(12); S043(4); S044(2); Q014–Q015. [app.leg.wa.gov+2](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C070** | A/H | The rule states division of plan balance by payment count, subject to reasonable rounding. It supplies no precise rounding algorithm or residual-allocation method. | S044(5); Q016. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-530&utm_source=chatgpt.com) |\n| **S_WA-P17-C071** | A | Conversion cannot itself generate an additional fee, interest charge, or other charge. | S015(1); S045. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-531&utm_source=chatgpt.com) |\n| **S_WA-P17-C072** | A | On plan initiation, the original postdated check must be returned or, under the rule at the borrower’s request, destroyed; the original ACH authorization becomes unusable/void under the stated conditions. | S015(2); S052; S058(2). [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-547&utm_source=chatgpt.com) |\n| **S_WA-P17-C073** | A | The plan may have installment checks limited to the corresponding installment amount, and a new ACH authorization consistent with plan terms may be accepted. An installment-check dishonor alone cannot generate a separate dishonor fee. | S015(3); S053; S058(2). [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-548&utm_source=chatgpt.com) |\n| **S_WA-P17-C074** | A | Failure to honor a plan entered through the specified accredited third party with certified credit counselors violates the chapter. This does not establish that such an agreement exists. | S015(4). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com) |\n\n### E. Default, payment instruments, and sector collection restrictions\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C075** | A | Ordinary-loan default follows the agreement’s payment terms; the database rule separately addresses a stated cutoff time and the absence of one. The plan’s grace provision is not automatically imported into ordinary-loan default. | S003(9); S056(12)(c)(i); Q020. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C076** | A/H | Plan default uses the statutory ten-day condition. The database rule’s “11th day” with due date zero conflicts with its embedded calendar illustration. No actual default date is derived. | S003(9); S054; S056(12)(c)(ii); Q021. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C077** | A | “Paid” is conditionally defined around full payment of a **valid** loan; returned checks and denied ACH authorizations defeat the specified paid status. Initiating a payment is not a determination of debt validity or final banking consequences. | S003(17); S027, “Paid.” [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-C078** | A | The ordinary small-loan security permission is one postdated check, with the statutory prohibition on other collateral; permitted disbursement forms are separately stated. | S010(6). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-C079** | A | The rule limits checks held from a borrower by the principal/income ceiling plus allowable fees; a returned deposited check is not treated as still “held” for that rule. | S051; Q018. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-546&utm_source=chatgpt.com) |\n| **S_WA-P17-C080** | A | A small-loan monetary instrument cannot be deposited before the governing due/disclosed date. The check-cashing deposit rule expressly excepts small-loan transactions. | S058(1); S002, -690. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-700&utm_source=chatgpt.com) |\n| **S_WA-P17-C081** | A | The returned-item charge is bounded by the sector’s one-time rule and statutory default/returned-check predicate; repeated presentments do not create repeated charges. | S014(1); S048; Q022. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C082** | A | An installment-plan default may support the specified one-time default charge, distinct from an installment-check dishonor fee. | S015(3); S054; Q023. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-549&utm_source=chatgpt.com) |\n| **S_WA-P17-C083** | A | The returned-item and installment-default charges together cannot exceed the rule’s lifetime ceiling for the loan. | S048, S054; Q022–Q023. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-542&utm_source=chatgpt.com) |\n| **S_WA-P17-C084** | A | No additional fee may be charged for cashing an instrument issued as proceeds of a small loan by the lender or its affiliate. | S055. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-551&utm_source=chatgpt.com) |\n| **S_WA-P17-C085** | A | The lender cannot threaten criminal prosecution to collect a delinquent small loan or threaten legal action it cannot legally take. | S014(1). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C086** | A | Uninvited collection visits to residence/work and impersonation or suggestion of an official governmental connection are prohibited. | S014(2). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C087** | A | Harassing, intimidating, abusive, or embarrassing communications are prohibited independently of the numerical presumptions. Staying below a presumption threshold is not a safe-harbor finding. | S014(3). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C088** | A/H | Separate presumptions address frequency, employment contact, residence hours, and third-party contact. Their exact counts, recipients, week definition, and unresolved hour endpoints appear in Q026–Q028. | S014(3), (7)–(8). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C089** | A | The statutory communication exclusions cover in-store contact, specified unanswered calls, and an initial FDCPA-disclosure letter. Initiation controls timing; reasonably believed cell-phone calls have the stated workplace-count qualification. | S014(6)–(7). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C090** | A | Initiated telephone/written collection communications require a reviewable log. A response to borrower-initiated contact is treated differently for logging but remains subject to substantive conduct restrictions. | S014(4); S049. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-543&utm_source=chatgpt.com) |\n| **S_WA-P17-C091** | A/H | Assignment of a dishonored check to a third party carries .082’s restrictions to that collection. This does not decide debt ownership, general assignment authority, servicing capacity, or holder-in-due-course status. | S014(5); S065; gap G014. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C092** | A | For the specified civil dishonored-check action, .082 allows collection costs as permitted by .515 but excludes that section’s attorneys’ fees, interest, and other damages. | S014(1); S061(a); Q024–Q025. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-C093** | A/H | The incorporated check-cost mechanism has notice and mailing-affidavit predicates and consequences for prohibited demands. Its general notice language cannot be transplanted as permission to threaten criminal prosecution in this sector. | S061–S064; S014(1). [app.leg.wa.gov+2](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520&utm_source=chatgpt.com) |\n| **S_WA-P17-C094** | A/H | RCW 62A.3-515 excludes a check dishonored because of a justifiable stop-payment order. Determining justification, enforcement standing, missing-instrument rights, or a particular fee combination requires additional law/application and remains held. | S061(a); S065; gaps G013–G014. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515&utm_source=chatgpt.com) |\n\n### F. Database, records, security, and continuing duties\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C095** | A | The ordinary rule requires transaction registration and an authorization number before making the loan; an initial eligibility response is distinct from registered transaction authorization. | S019; S056(1), (6)–(7). [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com) |\n| **S_WA-P17-C096** | A | An ineligibility determination requires delivery of the printable reason message with the specified database-support information. This is a disclosure duty, not proof of any actual database result. | S056(8). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-C097** | A/H | The rule refers data-entry mistakes to the system’s administrative-void process. It does not itself supply a complete borrower inspection, correction, or dispute procedure; private vendor instructions were not inspected. | S056(9); gap G015. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-C098** | A | The system has confidentiality/security requirements and restricted public disclosure; these duties do not establish a particular financial record or authorize its retrieval. | S019(1), (7); S056(4). [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com) |\n| **S_WA-P17-C099** | A/H | Outage treatment is conditional on the specified temporary or written authorization process and later registration. Exact legal timing is recorded in Q031–Q033; fractional additional outage periods are unresolved. | S056(10); S095. [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-C100** | A | A rescinded loan is closed as soon as practicable, does not count toward the eight-loan limit, and does not incur the licensee’s database transaction fee. | S056(11). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-C101** | A | Paid/default status must be updated as soon as practicable; the rule separately defines payment of a defaulted loan as payment of loaned amount plus the default fee. | S056(12)(a)–(c). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-C102** | A/H | Receipt of formal bankruptcy-discharge notice triggers the rule’s specified paid-status/comment treatment and retention in the loan count. This is only a state database duty; no bankruptcy discharge, stay, or liability conclusion is made. | S056(12)(d). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-C103** | A | The adopted database charge is a licensee-side per-registration charge, with the rescission exception; nonpayment and training requirements concern database access, not issuance of a lending license. | S056(11), (13)–(15); S095; Q030. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-C104** | A | Ceasing lending or losing the license does not remove the statutory duty to update outstanding loans. The statute and closure rule impose distinct plan/notice events. | S019(3); S110; Q060. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com) |\n| **S_WA-P17-C105** | A | Retained records include transaction history, reconciliation, payment receipts, agent agreements, and the specified loan-file materials. Retention is distinct from a general borrower right to inspect the entire file. | S008(2); S057(1)–(5); S115; Q054. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-610&utm_source=chatgpt.com) |\n| **S_WA-P17-C106** | A | Electronic retention must remain accessible to DFI; previous-day records, ledger posting, and consolidated-location accounting have separate requirements. | S002, -620–650; Q055. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C107** | A/H | Written resumption, disposal, and information-security requirements protect retained information. Federal disposal/safeguards incorporations remain held beyond the state text actually read. | S119, S122–S123. [app.leg.wa.gov+2](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715&utm_source=chatgpt.com) |\n| **S_WA-P17-C108** | A/H | Privacy notices, conditional opt-out treatment, and possible breach notices are expressly addressed, but full Regulation P and chapter 19.255 requirements are not completed. | S120–S121; S109(3). [app.leg.wa.gov+2](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716&utm_source=chatgpt.com) |\n| **S_WA-P17-C109** | A | Annual financial, assessment, and consolidated reports are continuing duties; expanded loan reporting has its own volume trigger. Reporting bins do not authorize otherwise prohibited loan terms. | S018; S108; Q057–Q058. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com) |\n| **S_WA-P17-C110** | A | Late-assessment/report provisions distinguish notice, late fees, receipt deadlines, expiration, and discretionary reinstatement. | S007; S124; Q051–Q052. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.050&utm_source=chatgpt.com) |\n| **S_WA-P17-C111** | A | Adverse developments, changes in control, data breaches, location changes, and cessation have different notification triggers and periods. | S007(3); S109–S110; Q053, Q059–Q060. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835&utm_source=chatgpt.com) |\n| **S_WA-P17-C112** | A/H | Closing reporting differs for check sellers and other licensees. The statute’s suspension/surrender wording and the rule’s accountant treatment leave a precise reconciliation hold. | S018(2)–(3); S125; S002, -880; Q061. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com) |\n\n### G. Prohibitions, enforcement, remedies, complaints, and nonwaiver\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C113** | A | The chapter prohibits the specified fraudulent/unfair conduct, misleading advertising, unendorsed remote lending, prohibited prepaid-access sale, and failures to pay regulatory obligations. These prohibitions occupy different statutory subsections. | S022(1)–(2). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com) |\n| **S_WA-P17-C114** | A | The rule additionally prohibits over-limit structuring/referrals, specified pressure to decline a plan or borrow more, unauthorized database use, refusal of qualifying plan requests, and evasion. Verification of agent licensing is separately required before accepting/paying referrals. | S059(1)(a)–(l). [app.leg.wa.gov](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8201&utm_source=chatgpt.com) |\n| **S_WA-P17-C115** | A/H | **Any transaction violating RCW 31.45.105(1)** is uncollectible and unenforceable under (3). The rule’s express treatment of its remote-lending paragraph does not narrow the statute. No other defect is automatically assigned this consequence. | S022(3); S059(2). [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com) |\n| **S_WA-P17-C116** | A | The director may impose the listed licensing, cease-and-desist, daily-fine, restitution/refund, affirmative-action, and participation-ban sanctions through the statutory process. | S023(2). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com) |\n| **S_WA-P17-C117** | A/H | Charges require the stated grounds, including unsafe practices, violations/conditions, specified falsehoods, nonpayment/security failures, misconduct, nonproduction, and other applicable-law violations. APA procedure and particular adjudication are not completed. | S023(1)(a)–(n), (2)–(4). [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com) |\n| **S_WA-P17-C118** | A/H | The chapter’s five-year period is for director actions **not subject to RCW 4.16.160**. It is not a general borrower limitation or a limitation on every state action. | S023(3); S079; Q064. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com) |\n| **S_WA-P17-C119** | A/H | Temporary cease-and-desist relief has insolvency/substantial-injury predicates and operates upon service unless judicially set aside; the licensee’s review period is separate. | S001, .120–.140; Q065. Full procedural litigation remains held. |\n| **S_WA-P17-C120** | A/H | Possession and receivership powers require their stated statutory grounds. RCW 31.45.160’s incorporation of CLA receivership powers is not a completed receiver or insolvency analysis. | S001, .150–.160; gap G023. |\n| **S_WA-P17-C121** | A/H | Violation or participation in violation of the chapter/rules/orders is designated a misdemeanor. The general default punishment statute is conditional; no crime, prosecution, or culpability is determined. | S024; S080; Q066. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.180&utm_source=chatgpt.com) |\n| **S_WA-P17-C122** | A | RCW 31.45.190 declares chapter violations to affect the public interest and to be CPA unfair/deceptive acts or unfair methods of competition; it preserves other remedies. | S025; S072; S074. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.190&utm_source=chatgpt.com) |\n| **S_WA-P17-C123** | A/H | A private CPA damages claim requires injury to business or property **by** a covered violation. The statute supplies possible injunction, actual damages, costs, and reasonable attorney fees; an actual award or causal connection is not established. | S073, first paragraph; applicable exceptions S075. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090&utm_source=chatgpt.com) |\n| **S_WA-P17-C124** | A/H | CPA enhancement is discretionary and subject to its statutory multiplier/cap language. The exact treatment of the cap relative to an actual award and district-court jurisdiction remains held. | S073; Q068; gap G024. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090&utm_source=chatgpt.com) |\n| **S_WA-P17-C125** | A/I | RCW 19.86.170’s permitted-transaction exemption is qualified. Merely holding a regulatory license is not textually the same as establishing that the challenged transaction was permitted. | S075, complete section. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.170&utm_source=chatgpt.com) |\n| **S_WA-P17-C126** | A | The attorney general’s injunction/restoration authority and civil-penalty structure are public remedies, separate from a borrower’s private damages claim. | S076–S077. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080&utm_source=chatgpt.com) |\n| **S_WA-P17-C127** | A/H | The CPA penalty provisions distinguish an injunction violation, each .020 violation, and an enhanced demographic-targeting/impact penalty; the advertising-medium exception and federal armed-forces definition remain material. | S077; Q069; S098–S099. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140&utm_source=chatgpt.com) |\n| **S_WA-P17-C128** | A/H | The CPA private-damages period is four years from accrual, with the specified AG-action suspension and exclusions. Accrual, other tolling, and actual timeliness are not determined. | S078; Q067. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120&utm_source=chatgpt.com) |\n| **S_WA-P17-C129** | A | The director may informally settle complaints/enforcement matters except where another statute forbids it; required complaint-contact disclosures do not establish that a complaint was made or that relief follows. | S023(5); S030; S113. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com) |\n| **S_WA-P17-C130** | I/H | No standalone general nonwaiver clause was identified in the complete core chapters. Express anti-pressure/evasion rules and the no-less-favorable plan condition remain operative. Arbitration, waiver, severability, and contract construction are held. | S001–S002; S043(6); S059; gap G025. |\n\n### H. Version, proposal, and incorporation findings\n\n| Claim ID | Status | Atomic proposition and exact boundary | Authority |\n| --- | --- | --- | --- |\n| **S_WA-P17-C131** | A | The 2009 reform replaced the former successive-loan plan structure with the present inability/request structure and added the major aggregate, count, database, and plan protections, effective January 1, 2010. | S082 §§1–10; S092. [lawfilesext.leg.wa.gov+1](https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1709-S.SL.pdf?cite=2009+c+510+s+3&utm_source=chatgpt.com) |\n| **S_WA-P17-C132** | A | The 2007 and 2012 originals explain the remote-lending prohibition and later expansion of .105’s transaction consequence to subsection (1). | S083 §1; S085 §§7–11. [lawfilesext.leg.wa.gov+1](https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5199.SL.pdf?cite=2007+c+81+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-C133** | A | The opened 2014 statutory amendments address sanctions/settlement, confidentiality, and condition reporting; they do not establish a separate small-loan product. | S086 §§7–9. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/biennium/2013-14/Pdf/Bills/Session%20Laws/Senate/6134.SL.pdf?cite=2014+c+36+s+8&utm_source=chatgpt.com) |\n| **S_WA-P17-C134** | A | The 2014 permanent rule established the limited-agent structure effective January 1, 2015, including the narrower service role. | S093, complete order. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/law/wsr/2014/24/14-24-048.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C135** | A | The 2016 permanent rule amended the relevant definitions, plan distribution, due-date/prepayment, database, security/privacy, and closure provisions, effective June 1, 2016. | S094, complete order. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C136** | A | WSR 25-04-038 adopted the database fee amendment effective March 1, 2025. A purpose recital mentioning the earlier fee does not displace the amended operative text. | S095, header and -556(11), (13). [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/law/wsr/2025/04/25-04-038.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C137** | A | The 2010 notice and reporting provisions have express historical reference periods. Their continued appearance in codification does not turn them into an evergreen new-loan notice requirement. | S114; S108(3)(b); S082 §10; S092. [app.leg.wa.gov+1](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com) |\n| **S_WA-P17-C138** | A/H | Current codification, a 2026 agency index, and the 2026 agenda were checked. The returned index horizon and the agenda’s chapter-number mismatch prevent an unqualified assertion that all later filings or future-effective changes were exhausted. | S101–S102; search log. [F+1](https://lawfilesext.leg.wa.gov/law/wsr/2026/26%2BWSR%2BIndex%2BF.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-C139** | A/H | The opened bill histories are proposal/status evidence. They do not establish enacted changes to the limits, an EWA framework, or the proposed separate installment product. | S103–S107. [app.leg.wa.gov+4](https://app.leg.wa.gov/billsummary/?billNumber=2361&initiative=False&year=2026&utm_source=chatgpt.com) |\n| **S_WA-P17-C140** | H | The major material originals listed below were opened; this is not a complete archival chain. The inaccessible 2013 rule original and specified older/public-record/subpoena originals remain historical holds. | Source/version registers; G002–G003. |\n| **S_WA-P17-C141** | H | State references to federal disclosure, electronic-payment, military, privacy, collection, bankruptcy, or other law do not complete those bodies of law or establish their inapplicability. | Incorporation register, G016–G023. |\n\n## 3. Product, actor, exemption, license, charge, plan, default, and remedy distinctions\n\n| Dimension | Authenticated distinction | Consequence of missing classification predicate | Claims |\n| --- | --- | --- | --- |\n| Chapter 31.45 small loan | Statutory amount/term category; rule aliases include payday/deferred deposit. | A marketing label alone cannot select this chapter. | C001–C005 |\n| Mere compensated check cashing | Separate regulated activity; incidental non-profit convenience exemption is conditional. | No lending authority follows from a cashing activity or its exemption. | C007, C021–C022 |\n| Check selling | Separate issuance/sale activity; specified audited-net-worth/agent exemptions; sale-fund trust structure. | The sale exemption/trust cannot be transferred wholesale to small-loan lending. | C008, C037 |\n| Bank/credit union/trust company | Authorized-in-Washington institutional exemption. | No actual institutional status or federal preemption is established. | C006, C010–C012 |\n| Lender acting through an agent | Statutory agent-of-licensee/exempt-entity provision remains material. | An exempt principal does not automatically exempt every nonbank participant. | C010 |\n| Limited small-loan agent | Limited license and authorized service functions. | It is not proof of a funding endorsement or a completed collector qualification. | C028–C030 |\n| Servicer/collector/assignee | Collection functions and dishonored-check assignment have specific rules. | Full chapter 19.16, standing, debt-sale, and servicing classification remain open. | C029, C090–C094 |\n| Ordinary CLA credit | Separate chapter; express exclusion for loans made under chapter 31.45. | No CLA fee, allocation, or validity rule is imported into this report. | C013–C014 |\n| Employer/payroll check | Narrow postdated payroll-check exception. | EWA status, fees, recourse, and provider role remain unclassified. | C016–C017 |\n| Retail installment sale | Separate definitions and a specific prepaid-access prohibition. | Federal prepaid definitions and other retail exclusions must be completed before a boundary determination. | C015 |\n| Pawn/title/other secured product | Different category; chapter 31.45 prohibits other collateral. | No conclusion that a different secured product is authorized or exempt. | C018 |\n| Alternative installment product | Historical proposal identified; no adopted separate framework authenticated in the read core text. | Proposal terms are not current law. | C019, C139 |\n| License versus endorsement | General license and location-specific small-loan endorsement are separate. | An application, system record, or limited-agent license is not issuance. | C021–C028 |\n| Consumer charges versus assessments | Loan fees/default charges differ from bonds, DFI assessments, and the database fee. | Regulatory cost does not itself authorize a borrower charge. | C038, C047–C049, C103 |\n| Ordinary maturity versus plan | Plan conversion has separate rights, duration, instruments, and reborrowing consequences. | Disclosure alone does not establish election or conversion. | C064–C074 |\n| Returned item versus default | Returned-item and plan-default predicates differ; combined lifetime ceiling applies. | Failed presentment alone does not prove every fee is permitted. | C075–C083 |\n| Payment authorization versus debt | Return/voiding of an instrument or ACH authority is distinct from loan validity. | No debt-validity or EFTA determination follows from an authorization change. | C060, C072, C077 |\n| Administrative sanction versus private relief | DFI powers, bond claims, CPA claims, and .105 transaction consequence have separate predicates. | No automatic forgiveness, refund, damages, prosecution, or payment-withholding conclusion. | C115–C129 |\n| State military protection versus federal military credit law | State definition/protections read; federal incorporation held. | No covered-borrower or federal outcome determination. | C020 |\n\n## 4. Complete relied-on quantity, unit, base, frequency, endpoint, and exception register\n\n### Symbol definitions\n\nOnly legal relationships are expressed:\n\n- PPP: principal advanced for the borrower’s benefit, excluding fee/interest.\n- OOO: outstanding principal across the relevant loans.\n- GGG: gross monthly income as defined by the rule.\n- FFF: aggregate interest and fees governed by RCW 31.45.073(5).\n- LLL: outstanding principal plus unpaid fees authorized under .073—the defined **loaned amount**.\n- BBB: required small-loan bond penal sum.\n- bbb: endorsed branch offices **beyond one branch**, without assuming how headquarters is classified.\n- III: installment-plan balance; nnn: number of plan payments.\n\nThese symbols have no substituted values.\n\n### A. Borrower/product quantities\n\n| Quantity | Exact legal relationship or quantity | Base, frequency, reference event, endpoint, exception, or unknown | Authority / claims |\n| --- | --- | --- | --- |\n| **Q001** | O≤min⁡($700, 0.30G)O \\le \\min(\\$700,\\,0.30G)O≤min($700,0.30G) | Applies to any small loan and aggregate outstanding principal across **all licensees**, at any one time. Principal excludes fee/interest. Equality is within the ceiling. | S010(2), S035; C039 |\n| **Q002** | F≤0.15min⁡(P,$500)+0.10max⁡(P−$500,0)F \\le 0.15\\min(P,\\$500)+0.10\\max(P-\\$500,0)F≤0.15min(P,$500)+0.10max(P−$500,0) | Symbolic restatement of the statutory tiers. Aggregate interest **and** fees; first tier includes principal through $500; excess tier is strictly above $500. No APR or rounding calculation. | S010(5), S038(1)–(2); C047 |\n| **Q003** | Same-licensee aggregate principal above **$500** uses the **10%** excess tier. | Multiple concurrent loans do not each restart the first tier. Allocation among loans and fractional-cent rounding are not supplied. | S038(3); C048 |\n| **Q004** | Income is monthly, before tax/deductions; independent verification at least every **180 days**. | Not “six months.” Enumerated/approved substantiation methods apply; intervening written change/no-change information required. No irregular-income conversion formula supplied. | S027, S036(1)–(5); C040–C041 |\n| **Q005** | No more than **8** loans in **any 12-month period**. | All licensees; rescinded loans excluded; formally discharged loans remain in the state database count. Exact timestamp/window/leap-boundary implementation held. | S010(4), S037, S056(11), (12)(d); C042, C100, C102 |\n| **Q006** | Due on/after next pay date; if that date is **within 7 days**, on/after second pay date. | Origination is **day zero** in -501. -555 says the next pay date **more than 7 days** away. Exact day-seven reconciliation held. | S010(2), S041(1), S118(6); C044 |\n| **Q007** | Maximum ordinary span: **45 days**, including weekends/holidays. | Statute measures termination from origination; rule measures due date. Extension requires both parties’ agreement, written under the rule, with no added fee/interest/cost. | S010(2), S041(2); C044 |\n| **Q008** | Closed-day due date → next business day; pay date is the later scheduled/credited date. | “Business day” means open at at least one physical location. Interaction with the 45-day rule and online-only operation is held. | S003(3), S041(3)–(4); C045–C046 |\n| **Q009** | Default bar: until after full payment **or 2 years from loan origination**, whichever first. | A new-loan restriction, not forgiveness, limitation, or entitlement to credit. | S010(2), S046; C050 |\n| **Q010** | Plan bar: until after full payment **or 2 years from plan origination/initiation**, whichever first. | Applies when in a plan with any licensee. Different reference event from Q009. | S010(3), S047; C051 |\n| **Q011** | Rescission: on/before close of the **next business day** under statute. | Principal returned in permitted form; no charge. Rule says “before” close and uses actual receipt of proceeds for electronic transactions. Close is earlier of actual originating-location closing or **11:59 p.m. Pacific**. Exact boundary reconciliation held. | S016, S027, S056(11); C059–C060 |\n| **Q012** | Plan request on/before due date; due-day cutoff is close or written agreed time **not earlier than 3 p.m.** | Due-date extension extends request opportunity. Rule’s “before” in -8201 does not resolve away -510’s on/before language. | S042; C066 |\n| **Q013** | Amount **≤$400**: plan **≥90 days**; amount **>$400**: **≥180 days**. | Statute switches “loan amount” to defined “loaned amount”; rules say “small loan”/“loan amount.” Fee-inclusive threshold issue held. No maximum plan period authenticated from these minimums. | S015(1), S043(2)–(3), S044(3)–(4); C068 |\n| **Q014** | Installments on/after pay dates, **≥14 days apart**; -530 requires **≥3 payments**. | Substantial equality applies. Relationship with mutually agreed fewer payments in -520 remains held. | S003(12), S044(2); C069 |\n| **Q015** | For a **90–180-day** plan, at least **1 payment in each month** is the stated compliance pattern. | Payments substantially equally distributed; mutually agreed fewer payments allowed by -520(4)(c), subject to the unresolved relationship with -530. “Each month” is not rewritten as every 30 days. | S043(4); C069 |\n| **Q016** | Payment amount relation: I/nI/nI/n, subject to reasonable rounding. | No rounding direction, precision, or final-payment adjustment algorithm supplied. | S044(5); C070 |\n| **Q017** | **No additional** conversion or prepayment fee/interest/charge; no extra proceeds-cashing fee. | Does not by itself establish a rebate of the original permitted fee or a general partial-payment allocation. | S041(5), S045, S055; C061–C062, C071, C084 |\n| **Q018** | Ordinarily **1 postdated check per loan**; checks held limited to lower principal ceiling **plus allowable fees**. | Plan checks have separate treatment. Returned deposited check excluded from “held” under -546. No calculation of a maximum face amount is supplied. | S010(6), S051; C078–C079 |\n| **Q019** | Plan check amount **≤ corresponding installment**. | Multiple plan checks permitted; no separate dishonor fee merely because one is returned. | S053; C073 |\n| **Q020** | Ordinary default at agreement date/time; if no time, **first day after due date**. | Database classification rule; no inferred grace period for every ordinary loan. | S056(12)(c)(i); C075 |\n| **Q021** | Plan default: unpaid **within 10 days after scheduled date**; database text says **11th day**, due date zero. | Embedded calendar illustration conflicts with that numbering. It is neither reproduced nor used for a date result. | S003(9), S054, S056(12)(c)(ii); C076 |\n| **Q022** | Returned-item fee **≤$25**, one-time for the check regardless of redeposit count. | Statutory default/returned-check predicate still matters. Combined Q022/Q023 ceiling is **$25 over the loan’s life**. | S014(1), S048; C081, C083 |\n| **Q023** | Plan-default fee **$25**, one-time; combined lifetime ceiling **$25**. | Requires plan default; not one fee per installment or per dishonor. | S015(3), S054; C082–C083 |\n| **Q024** | Incorporated civil collection-cost ceiling: min⁡($40,check face amount)\\min(\\$40,\\text{check face amount})min($40,check face amount). | Subject to .515’s unpaid/notice **15-day** predicates, instrument-term qualification, enforcement entitlement, and justifiable-stop-payment exclusion; .522/.525 also material. Not automatically additive to every other charge. | S061–S065; C092–C094 |\n| **Q025** | .515’s general **12% per annum**, attorneys’ fees, and damages of up to the lesser of **3× face amount or $300** are **not imported as sector entitlements**. | RCW 31.45.082(1) expressly excludes .515 attorneys’ fees, other interest, and damages. These quantities are recorded only to identify the excluded incorporation. | S014(1), S061(a); C092 |\n| **Q026** | Harassment presumption: **>3** initiated collection communications with borrower/spouse in one week. | Week is **7 consecutive days beginning Sunday**. General harassment prohibition remains below the threshold. Statutory exclusions apply. | S014(3)(a), (6)–(8); C087–C089 |\n| **Q027** | Workplace presumption: **>1** contact in that week, or contact after employer prohibition is communicated. | Reasonably believed cell-phone number has the specific workplace qualification; not a general exemption from all conduct rules. | S014(3)(b), (7)(b); C088–C089 |\n| **Q028** | Residence-hour presumption: between **9 p.m. and 7:30 a.m.** | Borrower/spouse at residence; initiated time controls. Exact endpoint inclusivity/time-zone construction is not supplied. Third-party contacts have separate listed exceptions. | S014(3)(c)–(d), (7); C088 |\n| **Q029** | Front-page warning type **≥12 points**. | Applies to the small-loan application warning; no populated application or notice reproduced. | S001, .085; S111(3); C056 |\n| **Q030** | Database fee **$2 per registered loan**; rescinded loan incurs none. | Paid by licensee to database vendor; not a borrower price. Adopted effective **March 1, 2025**. | S056(11), (13), S095; C103, C136 |\n| **Q031** | System availability stated as **24 hours/day**, except maintenance/upgrades; scheduled outage notice **≥24 hours**. | Public-rule duty, not a finding of actual uptime or notice. | S056(3)(c), (10)(a); C098–C099 |\n| **Q032** | Remaining entry after temporary authorization: **within 24 hours** of obtaining it. | Applies only to the specified temporary-authorization branch. No system action taken. | S056(10)(b)(iii); C099 |\n| **Q033** | Authorized-total-outage registration: **within 24 hours after availability notification**, extended **24 hours for each additional 24-hour outage period** if outage exceeds 24 hours. | Written authorization and copies are predicates. Treatment of a fractional additional period is not specified. | S056(10)(c)–(e); C099 |\n| **Q034** | Status/plan updates: **as soon as practicable**. | No invented fixed number of hours. Separate triggers include conversion, rescission, payment, and default. | S042(3), S056(11)–(12); C066, C100–C101 |\n\n### B. Market-access, records, reporting, and remedy quantities\n\n| Quantity | Exact legal relationship or quantity | Base, frequency, reference event, endpoint, exception, or unknown | Authority / claims |\n| --- | --- | --- | --- |\n| **Q035** | B=$10,000+$1,000bB=\\$10{,}000+\\$1{,}000bB=$10,000+$1,000b. | bbb is endorsed branches beyond **one branch**. Headquarters/branch counting not assumed. | S032; C032 |\n| **Q036** | Statute/-130: net worth **>3B**; -260: **≥3B**. | Equality conflict held. No finding that any entity satisfies either threshold. | S005(5)(e), S028(2), S033(2); C033 |\n| **Q037** | Approved deposit/security equals the statutory penal sum; rule CD **≥B**. | In-state federally insured institution; assignment/approval predicates. Statutory treatment excludes the deposit from liquid-asset compliance; no general numeric liquidity reserve derived. | S005(5)(e), S033(1); C034 |\n| **Q038** | Bond cancellation effective **30 days after director receives notice**. | Notice to director and licensee; not 30 days after mailing. Continuous penal sum does not stack across periods. | S005(5)(c); C036 |\n| **Q039** | Bond action no later than **1 year after dishonor** specified in statute. | Damaged-borrower/valid-claim predicates; exclusive superior-court structure; proportional sharing if claims exceed security. Non-dishonor loan-loss clock held. | S005(5)(d); C035 |\n| **Q040** | Licensee reports bond claim **within 10 days after receiving claim notice**. | Separate from the borrower’s claim period and the cancellation clock. | S002, -230; C036 |\n| **Q041** | Net-worth shortfall notice **within 10 business days**; continued operation requires immediate bond maintained **5 years**. | Five years runs from noncompliance; no net-worth substitution accepted during that period. | S033(2); C034 |\n| **Q042** | Annual audited statement and supplementary year-to-date statement; **45 days after each quarter closes** is the rule’s stated reporting period. | GAAP and minimum statement contents; no invented annual/calendar reconciliation. | S033(3); C034 |\n| **Q043** | Charge off debt with any payment **≥6 months past due**; exclude unpaid judgment **>2 years old**. | Net-worth accounting only; appeal time excluded from judgment period; director may approve written exceptions. | S033(4); C034 |\n| **Q044** | Issuance/sale exemption: audited net worth **≥$3 million**. | Specified corporation/partnership/association and issuance/sale activity; not a general loan cap or lender exemption. | S004(1)(c)–(d); C008 |\n| **Q045** | Chapter controlling ownership: **≥10%**; corporate change-of-control rule includes acquisition of **50%**, board-election control, or policy control. | Different definitions for different functions; noncorporate changes address controlling persons. | S003(8); S109(2); C024, C111 |\n| **Q046** | Issuance review: felony-related discretionary window **7 years**; comparable suspension/revocation mandatory bar **5 years**; industry ban for its specified period. | Reference event is filing present application; statutory association clause also applies. | S006(2)–(3); C024 |\n| **Q047** | Limited-agent disclosures: specified gross misdemeanor/felony history **7 years**, specified fraud/dishonesty/breach-of-trust/money-laundering felony **at any time**; annual expiry **December 31**. | Renewal fee amount not authenticated; changes reported within a **reasonable time**, not an invented fixed period. | S029(1)(g), (3)–(4); C028 |\n| **Q048** | Application financial statement: most recent quarter end; specified civil-litigation history **preceding 10 years**. | Generic required categories only; no application or identifying information assembled. | S028(1)(e), (3); C023 |\n| **Q049** | Small-loan annual-assessment component: volume **≤$1 million → $0**; volume **>$1 million → $513.95 per licensed location**. | Prior calendar year ending **December 31**; all-location volume. Separate cashing/selling assessments are not converted into loan charges. | S034(1)–(3); C038 |\n| **Q050** | Application processing **$69 per employee hour + actual expenses**; examination/investigation **$69 per person hour + actual expenses**. | Specified activities; investigation-cost exception where no license required; specialist-cost provisions retain their exceptions. Advances reconcile to actual cost; no quote or computed bill. | S002, -290–310, -350–390; C038 |\n| **Q051** | Statutory late fee **≤25%**; rule assesses **25%**. Receipt by **5 p.m. on the 10th day after due date/April 15**, shifted to next DFI-open day if needed. Statutory expiration at **5 p.m. on the 30th day after due date**. | Different suspension/late-payment/expiration events preserved. No calendar computed. | S007(1); S124; C110 |\n| **Q052** | Possible reinstatement **within 20 days after expiration**. | Discretionary, with payment, no-business attestation, and investigation predicates. | S007(2); S002, -420; C110 |\n| **Q053** | New/closed/moved location notice **≥30 days before change**. | Separate from change-of-control and cessation rules. | S007(3); C111 |\n| **Q054** | Records **≥2 years after transaction completion** under statute; rule states at least **2 years**. | No assumption that every retention clock begins at origination, default, charge-off, or the same event. Disposal policy does not negate other applicable holds. | S008(2), S057, S123; C105, C107 |\n| **Q055** | Daily reconciliation; ledger posting **at least monthly**; previous-day records available to DFI **within 1 business day** of request. | Consolidation allowed across **2 or more locations** while keeping separate original-entry books. | S002, -630–650; C106 |\n| **Q056** | Information-security evaluation/adjustment **at least annually**. | Also responsive to circumstances/testing; federal details held. | S119(2)(e); C107 |\n| **Q057** | Annual reports **on/before April 15** under rule; statute financial report **within 105 days** after calendar/fiscal year end; differing fiscal-year statement rule retained. | No leap-year/calendar reconciliation or actual filing date calculated. | S018(1), S108(1)–(3); C109 |\n| **Q058** | Expanded reporting at loan principal volume **≥$10 million** per reporting period. | Term bins: **1–7, 8–14, 15–21, 22–31, and ≥32 days**. These are reporting bins, not permitted maturities. Historical 2009/2010 reporting references retained only as such. | S108(3)(b)–(c); C109, C137 |\n| **Q059** | Specified adverse-event notice **within 5 days**; control notice **≥15 days before**; DFI breach notice **within 45 days**. | Breach notice may change based on law-enforcement directives/recommendations; not a complete consumer-breach deadline. | S109(1)–(3); C108, C111 |\n| **Q060** | Cessation notice **≥30 days before**; statutory database-compliance plan **within 10 business days after ceasing loan making**. | Distinct duties. Rule’s cessation definition has a reasonable-alternative communication/payment qualification. | S019(3), S110; C104 |\n| **Q061** | Closing report/audit **within/on-before 105 days**, ordinarily covering **12 months**. | Reference-event wording differs; non-check-seller rule allows another period specified by director and own-accountant statements. Reconciliation held. | S018(2), S125; C112 |\n| **Q062** | Extension request **≥10 days before report due date**; correction **within 30 days after receipt** of rejection. | Good-cause/director-discretion predicates; unaudited acceptance is conditional. No actual extension. | S002, -910–940; C109 |\n| **Q063** | DFI fine **≤$100 per day for each day’s violation**. | Administrative sanction under the required process; not a borrower fee or automatic private award. | S023(2)(c); C116 |\n| **Q064** | Director’s specified actions: **5 years**, only when not subject to .160. | State-action exception and its incorporation remain material; not ordinary debt limitations. | S023(3), S079; C118 |\n| **Q065** | Licensee may seek specified temporary-order judicial relief **within 10 days after service**. | Temporary order’s effectiveness on service is separate; full court procedure held. | S001, .120–.130; C119 |\n| **Q066** | General misdemeanor default: **≤90 days**, **≤$1,000**, or both. | Applies where punishment is not otherwise prescribed; no actual offense or sentence determination. | S024, S080; C121 |\n| **Q067** | Private CPA damages action: **4 years after accrual**. | Suspension during a qualifying AG action based in whole/part on the same matter; excludes AG injunction-penalty actions and AG actions under .090. No actual accrual/tolling result. | S078; C128 |\n| **Q068** | CPA discretionary enhancement: statutory **up-to-3×** language and **$25,000 increased-award cap**. | No award formula supplied because construction of the cap and jurisdictional incorporation is held. | S073; C124 |\n| **Q069** | CPA public penalties: **≤$125,000** for injunction violation; **≤$7,500 each .020 violation**; specified enhanced penalty **$5,000**. | Good-faith/unknowing advertising-medium exception applies to its paragraph. Enhancement concerns demographic targeting/impact, including listed age, race, origin, citizenship/immigration, sex/orientation, disability, religion, veteran/military statuses. Armed-forces incorporation held. AG review due **December 1, 2022 and every 5 years thereafter** is review/reporting, not automatic inflation adjustment. | S077, S098–S099; C126–C127 |\n| **Q070** | Military collection deferral lasts for the **duration of combat or combat-support posting**. | State military-borrower definition applies; other state protections include service-pay garnishment and chain-of-command restrictions, honoring repayment agreements, and the written off-limits/location condition. | S026(1)–(2); C020 |\n| **Q071** | Historical effective/application dates are listed in §5. | Those dates describe legal instruments, not a populated transaction chronology. Superseded numerical examples and operational hardware specifications are not relied on. | C131–C140 |\n\n**Deliberate quantity exclusions:** check-selling-only bond tiers; check-cashing-only pricing; foreign-exchange/money-transmission pricing; obsolete browser/network specifications in -556(2); BSA/MSB operational thresholds; antitrust-only penalties; amounts in unadopted bills; and the rule’s populated calendar illustrations. None is used as a small-loan permission or borrower input.\n\n## 5. Material version, effective-date, application, and transition relationships\n\nPDF references below pair the **printed page** with the **zero-based PDF index**. A parsed PDF was read as text; no pixel inspection or independent corroboration is claimed.\n\n| History item | Opened adopted authority and read boundary | Material relationship | Effective/application status |\n| --- | --- | --- | --- |\n| **H01** | S087, 1991 c355, §§18–24; printed pp.13–15 / PDF indices14–16. | Original enforcement/CPA/final provisions; other original sections not claimed fully read. | §24: **January 1, 1992**. |\n| **H02** | S088, 1995 c18, cover and §§1–2; printed pp.1–2 / indices1–2. Additional ending material inspected separately. | Historical introduction/amendment of small-loan definitions and endorsement framework. Superseded loan quantities not reused. | Cover: **July 23, 1995**. |\n| **H03** | S081, 2003 c86, complete act, §§1–20; printed pp.1–20 / indices1–20. | Major licensing, security, collection, plan, rescission, disclosure, and enforcement revision; §19 repeal separately noted. | General effective date **July 27, 2003**; §20 makes plan §12 effective **October 1, 2003**. |\n| **H04** | S089, 2005 c256, complete act; §1 printed pp.1–2 / indices1–2. | State military-borrower protections now .210. | **July 24, 2005**. |\n| **H05** | S082, 2009 c510, complete §§1–10; printed pp.1–10 / indices1–10. | §§2–6 revise definitions, caps/counts, plans, warning, database; §1 directs liberal construction for consumer protection. Former four-successive-loan and charge-bearing plan language removed. | §10: **January 1, 2010**; §9 implementation provision read. |\n| **H06** | S083, 2007 c81, complete §1; printed pp.1–2 / indices1–2. S084, 2009 c13, complete §1; printed pp.1–3 / indices1–3. | 2007 prohibited-act/remote-lending framework; 2009 collection-communication definitions/exceptions. | **July 22, 2007** and **July 26, 2009**, respectively. |\n| **H07** | S085, 2012 c17, complete §§7–11; printed pp.10–16 / indices10–16; cover and terminal §18 also read. | Definitions, multistate system, same-premises rule, prepaid-access prohibition, broader .105(3), sanctions. Other chapters not treated as completed merits. | Cover: **June 7, 2012**. |\n| **H08** | S086, 2014 c36, complete §§7–9; printed pp.10–13 / indices10–13; cover/end read. | .110 settlement, .022 confidentiality, .045 condition reporting. | **June 12, 2014**. |\n| **H09** | S090, WSR05-22-009, header and complete selected rules; exact read ranges in source log. | Plain-language replacement of rules; supports current unchanged licensing/security/application/agreement provisions. Superseded plan rules not imported. | Adopted **October 17, 2005**; filed **October 21**; effective **November 21, 2005**. |\n| **H10** | S091, WSR07-23-094, header and selected complete amendments including -470, -5401 and disclosure provisions. | Military/federal incorporation and application/disclosure changes. | Filed **November 20, 2007**; effective **December 21, 2007**. |\n| **H11** | S092, WSR09-24-089, complete order. | Implements 2009 reform; current caps, count, plan/default, database, disclosures, records and reports; repeals former successive-loan provisions. | Adopted/filed **December 1, 2009**; effective **January 1, 2010**. |\n| **H12** | S129–S130, WSR13-05-005 attempted original and alternate issue route. | Current codification’s 2013 changes remain readable, including agent/record/prohibition provisions; original authentication failed. | **February 6, 2013 filing / March 9, 2013 effectiveness are history-footnote evidence only**, not an opened-original finding. |\n| **H13** | S093, WSR14-24-048, complete order. | Limited-agent framework; agent service definition no longer treated as blanket funding authority. | Adopted/filed **November 25, 2014**; effective **January 1, 2015**. |\n| **H14** | S094, WSR16-10-046, complete order. | Due dates/prepayment, plan distribution, database, privacy/security and closure changes; removes obsolete qualifier from default-bar rule. | Adopted/filed **April 29, 2016**; effective **June 1, 2016**. |\n| **H15** | S095, WSR25-04-038, complete order. | Amends -556(11), (13) to the $2 licensee fee. The earlier proposal is not the operative source. | Adopted/filed **January 28, 2025**; effective **March 1, 2025**; proposal notice24-24-103 identified in order. |\n| **H16** | S096, 2007 c66, complete §§1–3; printed pp.1–3 / indices1–3. | CPA .080/.090 historical relationship; antitrust merits excluded. | Emergency/immediate clause: **April 17, 2007**. |\n| **H17** | S097, 2009 c371, complete §§1–3; printed pp.1–2 / indices1–2. | Private CPA enhancement and public-interest provision. | **July 26, 2009**; §3 applies to causes accruing **on or after that date**. |\n| **H18** | S098, 2021 c228, complete §§1–4; printed pp.1–3 / indices1–3. S099, 2024 c256, complete §§1–3, same page/index span. | 2021 CPA penalties/state-limitation language; 2024 antitrust amendment leaves the quoted .020 penalty text in the current section. | **July 25, 2021** and **June 6, 2024**. No broader retroactivity conclusion. |\n| **H19** | S100, 2024 c249: cover; complete §2(1)–(4) and §5; §2 printed pp.1–3 / indices1–3; §5 printed p.7 / index7. | CLA boundary/anti-evasion material only; no ordinary CLA origination or P16 merits report. A later pagination failure prevents claiming an entirely completed original. | **June 6, 2024**; §5 prospective, excluding earlier loans unless renegotiated or modified on/after the effective date. |\n| **H20** | S101–S107, official 2026 index/agenda and bill histories. | Agenda is not adoption; bills are not session laws; displayed bill history dates are not effective dates. | Bounded currentness only; G001 remains. |\n\n**Historical gaps:** originals for the 2005 public-record recodification, the 2011 subpoena enactment, various older amendments, and several external-incorporation histories were not opened in full. Their history footnotes are not represented as completed original-law research.\n\n## 6. Prior reviewed scope, reuse, new evidence, and remaining gaps\n\n| Record/category | Supplied provenance and exact retained scope | Treatment in this pass |\n| --- | --- | --- |\n| **P1 consumer/business finding** | Response 66d1cb8f-b221-56f7-be60-6bee18e186f2; captured 2026-10-23T06:19:43.276Z; [original chat]([private conversation omitted]); supplied review path [internal evidence reference]. C002/C005 answered consumer/business purpose **for chapter18.28**; separate sector/transaction law open. | **M.** Preserved within that boundary. Not a chapter31.45 classification premise. |\n| **P2 remaining categories** | Response d99fa0e7-8427-5177-94a0-d79c611f8e41; captured 2026-10-23T07:23:21.074Z; same supplied chat; review path [internal evidence reference]. Other Washington categories excluded/open; no state/A066 acceptance. | **M.** Explains remaining scope only; no fee finding imported into small-loan law. |\n| **Coordinator term search** | Supplied search of **1,523** P1–P16 atomic researcher claims; P3C096 federal bad-check diversion exclusion and P5C044 wage-payment use of “payday” were the complete hits reviewed. | **M.** Neither completes this sector. Search metadata does not prove absence of other prose. |\n| **P13/P15/P16** | Supplied instruction excludes unreviewed merits as premises. P16 servicing is saved/imported/queued with first whole scoped review pending. | **M/X.** No P16 CLA/rule merits used as a foundation. Independently opened CLA boundary sections are new evidence only for the narrow distinction stated. |\n| **Stopped P17 remarks** | Supplied account of incomplete endorsement/agent/plan/database-fee leads; no completed sources, claims, coverage tables, or END. | **M.** Leads were not treated as law. All substantive P17 findings above rest on this pass’s opened public sources. |\n| **Earlier provider/fees, limitations, exemptions, secured, housing, utility, medical and servicing components** | Retain their supplied provenance and holds. | **X.** No regeneration or broader acceptance. |\n| **New sector evidence** | Sources S001–S125 and S133, within their read bounds; C001–C141. | **A/I/H.** Distinct focused sector evidence. |\n| **Remaining work** | G001–G026 below. | Exact unresolved questions; no claim that excluded or unexamined law is inapplicable. |\n\n## 7. Conditional branches: missing predicate, supported consequence, inference restraint, next generic inquiry\n\n| Branch | Missing generic predicate | Supported conditional consequence | Adverse inference or outcome not supported | Exact next generic inquiry |\n| --- | --- | --- | --- | --- |\n| **B01** | Whether the product is a statutory small loan. | If within .010/.073 and not exempt, chapter duties become relevant. | A “payday” or “advance” label proves neither coverage nor evasion. | Complete the competing product’s public definitions and exclusions. |\n| **B02** | Whether an institution is authorized in Washington under .020. | The institutional exemption applies if its predicate is met. | No actual authorization/exemption determination. | Generic institutional and preemption law, without entity lookup. |\n| **B03** | Whether activity is minor, convenient, and non-profit check cashing. | The narrow activity exemption can apply. | Ordinary cashing does not establish permission to fund loans. | Read any indispensable interpretation of all three conditions. |\n| **B04** | Whether an actor funds loans or only performs limited-agent services. | Different license/endorsement provisions govern the functions. | Limited-agent licensing does not prove lender authority. | Reconcile .079 and -135–138 for the generic function at issue. |\n| **B05** | Whether collection is licensed, exempt, or otherwise authorized. | The rule’s agent-service exclusion may apply. | No collector status, debt ownership, or authority is established. | Complete chapter19.16’s relevant definitions/exemptions. |\n| **B06** | Whether the borrower is physically in Washington. | .105(1)(d)’s territorial prohibition can apply. | Residence elsewhere/inside Washington does not alone resolve all interstate law. | Generic choice-of-law, preemption, and territorial construction. |\n| **B07** | Whether a proposed wage-access product is credit and which fees count. | Applicable category law can then be identified. | Payroll-check exception or failed bills do not prove an EWA exemption. | Current adopted EWA/CLA and federal definitions, including fee/recourse treatment. |\n| **B08** | Whether exact net worth equals the multiple. | Strict statutory wording and inclusive rule wording conflict at equality. | Equality is not approved by this report. | Official interpretive authority or authorized judicial-construction research. |\n| **B09** | Exact statutory principal/income base. | Aggregate cap and tier structure apply to their stated bases. | No qualification, available-credit amount, or quote. | Generic income-period and rounding interpretation. |\n| **B10** | Exact rolling-window endpoint convention. | Eight-loan rule applies across licensees; rescission exception remains. | No count/calendar result or ninth-loan conclusion. | Adopted counting interpretation, without database query. |\n| **B11** | Pay date exactly on the disputed seventh-day boundary. | The next/second-pay-date provisions must be reconciled. | No favorable earliest-due-date assumption. | Official construction of .073, -501 and -555 together. |\n| **B12** | Closed-day extension crossing ordinary maximum term. | Both closed-day and maximum-term provisions remain relevant. | No automatic permission for an extra charged extension. | Generic construction of -501(2)–(3). |\n| **B13** | Timely rescission under differing reference events. | Proper rescission has no-charge/security-return/count consequences. | No actual cancellation or refund entitlement determined. | Reconcile origination, actual proceeds receipt, close, and business-day language. |\n| **B14** | Inability notice versus actual plan request. | Notice triggers information; request triggers conversion under governing terms. | A disclosure is not an election, waiver, or plan agreement. | Generic interpretation of request timing and required acknowledgment. |\n| **B15** | Whether the plan threshold includes unpaid fees. | Ninety/180-day minimums depend on the correct amount base. | No selection of the shorter period. | Reconcile “loan amount,” “loaned amount,” and “small loan.” |\n| **B16** | Fewer-payment agreement versus minimum-three rule. | Equal/distributed/no-less-favorable conditions remain relevant. | No assumption that two or another count is lawful. | Reconcile -520(4), (6), -530(2), and .010(12). |\n| **B17** | Precise default-day construction. | Statutory grace and database default requirements apply conditionally. | No default declaration, fee permission, or date result. | Resolve the day-zero/text/illustration inconsistency. |\n| **B18** | Returned-check fee already charged or plan default established. | Combined lifetime ceiling controls qualifying charges. | A new presentment or installment is not a fresh fee entitlement. | Generic charge characterization under -542/-549. |\n| **B19** | Valid debt, authorized payment, and final payment status. | Each has separate statutory consequences. | Failed ACH does not prove fraud; void authorization does not alone void debt. | Complete relevant EFTA/RegE/UCC law for the generic instrument question. |\n| **B20** | Civil-check cost predicates and justified stop payment. | .515 costs may be relevant only through .082’s restrictions. | No attorneys’ fee, interest, criminal threat, or automatic collection-cost entitlement. | Complete necessary UCC defenses, notice construction, and standing incorporations. |\n| **B21** | Qualifying system outage authorization. | Specified exceptional registration timing may apply. | Inaccessibility alone is not permission to lend outside the ordinary rule. | Interpret the adopted outage clauses and fractional-period treatment. |\n| **B22** | Formal bankruptcy-discharge notice. | State database classification/comment/count duty follows if received. | No federal discharge, stay, or surviving-liability determination. | Complete applicable federal bankruptcy law separately. |\n| **B23** | A transaction violating .105(1), rather than another defect. | Statutory uncollectibility/unenforceability attaches to that defined class. | No universal void-loan or fee-forfeiture rule. | Resolve the precise prohibited-act predicate and any construction issue. |\n| **B24** | Borrower loss caused by a covered violation and valid bond claim. | Bond/deposit remedy may be available within its limits. | No full recovery, priority, or invented non-dishonor deadline. | Construction of .030(5)(b)–(d), including its clock. |\n| **B25** | CPA business/property injury, causation, exemption, and applicable version. | Private statutory remedies may be available. | No automatic trebling, attorney-fee award, or timeliness result. | Complete necessary CPA construction and jurisdictional incorporation. |\n| **B26** | State military definition/deployment/off-limits predicates. | The corresponding state protection applies conditionally. | No federal covered-borrower status or actual collection stay declared. | Complete MLA/SCRA and protected-party overlaps separately. |\n| **B27** | A later adopted/future-effective instrument outside the returned index horizon. | Such an instrument could change prospective treatment. | Failed searches do not prove no amendment. | Ordinary official later-issue/session-law verification within the same bounded question. |\n\n## 8. Wholly blank conceptual worksheet\n\nThe headings identify legal-research fields only. **Every worksheet body cell is blank.**\n\n| Public-law question | Candidate statutory category | Generic actor role | Territorial predicate | Express exemption | Operative section | Adopted original | Effective/application clause | Missing incorporation | Construction hold | Supported conditional consequence |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n|  |  |  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |  |  |\n|  |  |  |  |  |  |  |  |  |  |  |\n\n## 9. Granular coverage of questions 1–8\n\n| Requested question / material subquestion | Coverage | Evidence / exact remaining boundary |\n| --- | --- | --- |\n| **1 — Actual category/title/aliases** | A | C001–C005; full core definitions. |\n| **1 — Natural-person and purpose scope** | A/H | C003, C014; no chapter18.28 purpose import. |\n| **1 — Making/funding versus agent functions** | A/H | C010, C028–C030; function-specific interpretation remains. |\n| **1 — Servicing/collection/assignment** | A/H | C029, C090–C094; full chapter19.16/UCC standing held. |\n| **1 — Mere cashing/selling** | A | C007–C008, C021, C037. |\n| **1 — Bank/CU/trust and discretionary exemptions** | A/H | C006, C009–C012; actual status and federal preemption excluded. |\n| **1 — Employer wage/EWA** | A/H | C016–C017; narrow payroll-check exception; no adopted EWA framework authenticated. |\n| **1 — Ordinary CLA** | A/X | C013–C014; boundary sections read afresh; ordinary origination merits excluded. |\n| **1 — Retail installment/prepaid** | A/H | C015; federal prepaid definitions blocked. |\n| **1 — Pawn/title/secured** | A/H/X | C018; full other-product framework excluded. |\n| **1 — Online/interstate/tribal** | A/H | C011–C012; territorial text authenticated, broader jurisdiction held. |\n| **1 — Adopted alternative product** | A/H | C019/C139; proposal distinguished, no global negative finding. |\n| **2 — License/endorsement/location/branch** | A | C021–C027. |\n| **2 — Limited agent/approval/channel/exemption** | A/H | C009–C010, C026, C028–C030. |\n| **2 — Bond/net worth/liquidity** | A/H | C031–C037; equality and branch-count holds; no invented reserve. |\n| **2 — Necessary fund/record/report protections** | A | C037, C104–C112; sale trust kept separate. |\n| **2 — Operational licensing/vendor investigation** | X | No application, account setup, licensing-status, credential, roster, or vendor-policy investigation. |\n| **3 — Principal/income limits** | A/H | C039–C041; Q001/Q004; irregular-income/rounding hold. |\n| **3 — Charges/tiering/included bases** | A/H | C047–C049; Q002–Q003/Q017/Q022–Q025. |\n| **3 — Due/maturity/minimum-maximum duration** | A/H | C044–C046; Q006–Q008; exact boundary holds. |\n| **3 — Multiple loans/refinancing/rollover** | A | C042–C043, C048, C050–C052. |\n| **3 — Rolling count/cooling-off/database** | A/H | C042, C050–C052, C095–C103; counting and outage holds. |\n| **3 — Symbolic-only quantities** | A | Q001–Q071; no substituted financial input, APR, schedule, or calendar. |\n| **4 — Writing/signature/copy/receipt** | A | C053–C054, C063, C067; no form generated. |\n| **4 — Charges/terms/disclosures** | A/H | C055–C058; federal disclosure completion held. |\n| **4 — Language** | A/H | C058; 2010 Spanish notice distinguished from general current language duties. |\n| **4 — Rescission/refund** | A/H | C059–C060; exact timing and general rebate gaps. |\n| **4 — Prepayment/partial allocation** | A/H | C061–C062. |\n| **4 — Plan notice/request/election/cost/default** | A/H | C064–C074; actual election/agreement excluded. |\n| **4 — Reborrowing during plan** | A | C051; exact reference event retained. |\n| **5 — Check/security/electronic authorization** | A/H | C072–C080; EFTA/RegE/UCC consequences held. |\n| **5 — Presentment/returned item/default fee** | A/H | C075–C083; numerical/drafting gaps retained. |\n| **5 — Contacts/threats/criminal process** | A | C085–C090; exceptions and presumptions complete. |\n| **5 — Assignment/sale/servicing capacity** | A/H | C091–C094; no ownership or full collector-law determination. |\n| **5 — Retention/access/correction/dispute** | A/H | C096–C108; supplied rights distinguished from uncompleted general access/dispute law. |\n| **5 — Federal/ordinary collection merits** | X/H | FDCPA/RegF/FCRA/bankruptcy/ordinary limitations not rerun; specific state incorporations flagged. |\n| **6 — Prohibitions/nonwaiver** | A/H | C113–C115, C130. |\n| **6 — DFI investigation/sanctions/complaints** | A/H | C116–C120, C129; full APA/procedure held. |\n| **6 — Bond/private CPA/restitution/damages** | A/H | C031–C036, C122–C128; no actual relief. |\n| **6 — Transaction validity** | A/H | C115 limited to .105(1) predicate. |\n| **6 — Criminal consequence** | A/H | C121; no offense or prosecution finding. |\n| **6 — Judicial construction/cases** | H/X | Exact construction questions listed; no case/opinion/docket research. |\n| **7 — Adopted originals/current codification** | A/H | H01–H20; source-specific complete/partial bounds. |\n| **7 — Effective/application/savings/transition** | A/H | Major clauses read; older chains and 2013 original held. |\n| **7 — Proposal/future/currentness through requested date** | A/H | S101–S107; final targeted searches; bounded index limitation remains. |\n| **7 — Federal/military/local/tribal/contract/tax/privacy dependencies** | H/X | G016–G025; no unexamined law declared inapplicable. |\n| **8 — Primary browsing/issuer/full URL/pinpoint/read bounds** | A | Source register below plus atomic pinpoints and history table. |\n| **8 — Failed-route rule** | A/H | Failure log records one materially different route where used; no bypass. |\n| **8 — Snippets/guides/PDF format limitations** | A | Search-only material not treated as full authority; parsed PDFs not pixels; duplicate formats not independent support. |\n| **8 — Researcher self-check/acceptance** | A/X | §13; no independent-review or broader acceptance conclusion. |\n\n## 10. Complete source and usage register\n\n### A. Current core statutes\n\n**Issuer for S001 and S003–S026:** Washington Legislature / Office of the Code Reviser.\n**Edition/status:** official current online codification accessed for this pass. “Latest” below identifies the displayed last amendment, not an independent claim that every earlier original was opened.\n\n| Source ID | Title / complete actual read bounds / usage | Complete literal HTTPS URL |\n| --- | --- | --- |\n| **S_WA-P17-S001** | **Chapter31.45 RCW—Check Cashers and Sellers.** Complete operative chapter, .010–.901, including displayed notes; used for chapter structure and auxiliary sections not separately listed. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45&full=true](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45&full=true&utm_source=chatgpt.com) |\n| **S_WA-P17-S002** | **Chapter208-630 WAC—Regulation of Check Cashers and Sellers and Small Loans (Payday Lenders).** Complete current operative sections and history notes read through combined chapter/section pagination; issuer DFI, published by Code Reviser. | [https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true](https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true&utm_source=chatgpt.com) |\n| **S_WA-P17-S003** | **31.45.010—Definitions**, (1)–(24) and displayed note. Latest2012c17§7. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com) |\n| **S_WA-P17-S004** | **31.45.020—Application of chapter**, (1)–(2). Latest2003c86§2. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020&utm_source=chatgpt.com) |\n| **S_WA-P17-S005** | **31.45.030—License/security requirements**, entire (1)–(5), including all bond/deposit exceptions. Latest2005c274§255; recodification original held. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com) |\n| **S_WA-P17-S006** | **31.45.040—Application, financial responsibility, investigation**, (1)–(5). Latest2003c86§4. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com) |\n| **S_WA-P17-S007** | **31.45.050—Annual assessment/expiration/location notice**, (1)–(3). Latest2003c86§5. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.050](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.050&utm_source=chatgpt.com) |\n| **S_WA-P17-S008** | **31.45.060—Fees, receipts, records**, (1)–(3). Latest2003c86§6. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.060](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.060&utm_source=chatgpt.com) |\n| **S_WA-P17-S009** | **31.45.070—Prohibited practices**, (1)–(5). Latest2012c17§9. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.070](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.070&utm_source=chatgpt.com) |\n| **S_WA-P17-S010** | **31.45.073—Making small loans; endorsement, dates, amount, fees, security**, (1)–(7). Latest2009c510§3. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com) |\n| **S_WA-P17-S011** | **31.45.077—Endorsement application/disclosure exemption/fees**, (1)–(3) and note. Latest2005c274§256. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.077](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.077&utm_source=chatgpt.com) |\n| **S_WA-P17-S012** | **31.45.079—Small-loan agents**, complete section. Latest2003c86§10. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.079](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.079&utm_source=chatgpt.com) |\n| **S_WA-P17-S013** | **31.45.080—Trust funds/deposits**, (1)–(3). Used only for sale-fund distinction. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080&utm_source=chatgpt.com) |\n| **S_WA-P17-S014** | **31.45.082—Delinquent small loan; collection restrictions**, (1)–(8). Latest2009c13§1. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com) |\n| **S_WA-P17-S015** | **31.45.084—Small-loan installment plan**, (1)–(4). Latest2009c510§4. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com) |\n| **S_WA-P17-S016** | **31.45.086—Rescission**, complete section. Latest2003c86§13. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.086](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.086&utm_source=chatgpt.com) |\n| **S_WA-P17-S017** | **31.45.088—Advertising/disclosures**, (1)–(4). Latest2003c86§14. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.088](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.088&utm_source=chatgpt.com) |\n| **S_WA-P17-S018** | **31.45.090—Reports/disclosure/rules**, (1)–(3). Latest2005c274§257. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com) |\n| **S_WA-P17-S019** | **31.45.093—Small-loan information system**, (1)–(7). Latest2009c510§6. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com) |\n| **S_WA-P17-S020** | **31.45.100—Examination/investigation/costs**, complete section. Latest2003c86§16. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.100](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.100&utm_source=chatgpt.com) |\n| **S_WA-P17-S021** | **31.45.103—Subpoena authority**, (1)–(3) and note. Current text read; 2011 original and procedural incorporation held. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.103](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.103&utm_source=chatgpt.com) |\n| **S_WA-P17-S022** | **31.45.105—Violations/enforceability**, (1)–(3). Latest2012c17§10. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com) |\n| **S_WA-P17-S023** | **31.45.110—Charges/hearing/sanctions/authority/limitations**, (1)–(5), all grounds. Latest2014c36§7. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com) |\n| **S_WA-P17-S024** | **31.45.180—Violation; misdemeanor**, complete section. Displayed1994/1991 history; only specified original material opened. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.180](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.180&utm_source=chatgpt.com) |\n| **S_WA-P17-S025** | **31.45.190—CPA/remedies**, complete section. 1991c355§19. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.190](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.190&utm_source=chatgpt.com) |\n| **S_WA-P17-S026** | **31.45.210—Military borrowers**, (1)(a)–(e), (2). 2005c256§1. | [https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.210](https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.210&utm_source=chatgpt.com) |\n\n### B. Current implementing rules\n\n**Issuer:** Washington DFI; official Code Reviser codification. All sections below were read completely, including their displayed history.\n\nCurrency codes: **R05**=WSR05-22-009; **R09**=WSR09-24-089; **R13**=WSR13-05-005, original unavailable; **R14**=WSR14-24-048; **R16**=WSR16-10-046; **R25**=WSR25-04-038.\n\n| Source ID | Section / title subject / read bounds / latest rule relationship | Complete literal HTTPS URL |\n| --- | --- | --- |\n| **S_WA-P17-S027** | **208-630-110—Definitions**, entire definition set; R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-110](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-110&utm_source=chatgpt.com) |\n| **S_WA-P17-S028** | **-130—License/endorsement application**, (1)–(6) and confidentiality paragraph; R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-130](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-130&utm_source=chatgpt.com) |\n| **S_WA-P17-S029** | **-135—Small-loan agent authorization**, (1)–(4); R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-135](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-135&utm_source=chatgpt.com) |\n| **S_WA-P17-S030** | **-137—Agent public disclosures**, complete; R14. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-137](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-137&utm_source=chatgpt.com) |\n| **S_WA-P17-S031** | **-138—Agent information sharing**, complete; R14. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-138](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-138&utm_source=chatgpt.com) |\n| **S_WA-P17-S032** | **-250—Small-loan endorsement bond amount**, complete; R05. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-250](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-250&utm_source=chatgpt.com) |\n| **S_WA-P17-S033** | **-260—Bond alternatives**, (1)–(5); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-260](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-260&utm_source=chatgpt.com) |\n| **S_WA-P17-S034** | **-400—Annual assessment**, (1)–(3); R05. Separate cash/sale components read but not used as loan pricing. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-400](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-400&utm_source=chatgpt.com) |\n| **S_WA-P17-S035** | **-461—Loan amount limit**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-461](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-461&utm_source=chatgpt.com) |\n| **S_WA-P17-S036** | **-462—Income verification**, (1)–(5); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-462](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-462&utm_source=chatgpt.com) |\n| **S_WA-P17-S037** | **-463—Loan-count limit**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-463](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-463&utm_source=chatgpt.com) |\n| **S_WA-P17-S038** | **-466—Small-loan fees**, (1)–(3); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-466](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-466&utm_source=chatgpt.com) |\n| **S_WA-P17-S039** | **-490—Note/agreement contents**, (1)–(7); R05. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-490](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-490&utm_source=chatgpt.com) |\n| **S_WA-P17-S040** | **-500—Agreement copy**, complete; R05. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-500](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-500&utm_source=chatgpt.com) |\n| **S_WA-P17-S041** | **-501—Due date/prepayment**, (1)–(5), including illustration read but not reproduced; R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com) |\n| **S_WA-P17-S042** | **-510—Plan request timing**, (1)–(3); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-510](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-510&utm_source=chatgpt.com) |\n| **S_WA-P17-S043** | **-520—Plan terms**, (1)–(6); R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-520](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-520&utm_source=chatgpt.com) |\n| **S_WA-P17-S044** | **-530—Plan payment structure**, (1)–(5); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-530](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-530&utm_source=chatgpt.com) |\n| **S_WA-P17-S045** | **-531—Conversion fees**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-531](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-531&utm_source=chatgpt.com) |\n| **S_WA-P17-S046** | **-532—Lending after default**, complete; R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-532](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-532&utm_source=chatgpt.com) |\n| **S_WA-P17-S047** | **-533—Lending during plan**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-533](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-533&utm_source=chatgpt.com) |\n| **S_WA-P17-S048** | **-542—Returned-check fee**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-542](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-542&utm_source=chatgpt.com) |\n| **S_WA-P17-S049** | **-543—Collection communication log**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-543](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-543&utm_source=chatgpt.com) |\n| **S_WA-P17-S050** | **-544—Refinancing/rollover**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-544](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-544&utm_source=chatgpt.com) |\n| **S_WA-P17-S051** | **-546—Checks held**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-546](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-546&utm_source=chatgpt.com) |\n| **S_WA-P17-S052** | **-547—Original instrument on plan conversion**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-547](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-547&utm_source=chatgpt.com) |\n| **S_WA-P17-S053** | **-548—Installment checks**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-548](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-548&utm_source=chatgpt.com) |\n| **S_WA-P17-S054** | **-549—Plan-default fee**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-549](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-549&utm_source=chatgpt.com) |\n| **S_WA-P17-S055** | **-551—Cashing loan proceeds**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-551](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-551&utm_source=chatgpt.com) |\n| **S_WA-P17-S056** | **-556—Database system**, (1)–(15), all subparagraphs; R25. Operational specifications read, not used as directions. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com) |\n| **S_WA-P17-S057** | **-610—Accounting/financial records**, (1)–(5); R13. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-610](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-610&utm_source=chatgpt.com) |\n| **S_WA-P17-S058** | **-700—Presentment/plan authorization**, (1)–(2); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-700](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-700&utm_source=chatgpt.com) |\n| **S_WA-P17-S059** | **-8201—Prohibited business practices**, (1)(a)–(l), (2); R13. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8201](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8201&utm_source=chatgpt.com) |\n\n### C. Necessary incorporated/boundary statutes\n\nAll are Washington Legislature/Code Reviser current codification unless otherwise stated. Complete operative section read; unopened historical originals or additional incorporations remain identified holds.\n\n| Source ID | Title / read bounds / limited usage | Complete literal HTTPS URL |\n| --- | --- | --- |\n| **S_WA-P17-S060** | **RCW62A.3-104—Negotiable instrument**, (a)–(j); check-definition incorporation. | [https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-104](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-104&utm_source=chatgpt.com) |\n| **S_WA-P17-S061** | **62A.3-515—Dishonored checks; charges/remedies**, (a)–(b), notes; subject to sector override. | [https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515&utm_source=chatgpt.com) |\n| **S_WA-P17-S062** | **62A.3-520—Notice of dishonor**, complete including statutory form; form not reproduced. | [https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520&utm_source=chatgpt.com) |\n| **S_WA-P17-S063** | **62A.3-522—Mailing affidavit**, complete including form; no affidavit generated. | [https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-522](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-522&utm_source=chatgpt.com) |\n| **S_WA-P17-S064** | **62A.3-525—Consequences for noncompliance**, complete (1)–(3). | [https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-525](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-525&utm_source=chatgpt.com) |\n| **S_WA-P17-S065** | **62A.3-301—Person entitled to enforce**, complete; further .309/.418 incorporation held. | [https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-301](https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-301&utm_source=chatgpt.com) |\n| **S_WA-P17-S066** | **31.04.025—CLA application/exemptions**, (1)–(7); latest2024c249§2. Used only for category/territory/anti-evasion boundary. | [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) |\n| **S_WA-P17-S067** | **31.04.015—CLA definitions**, (1)–(39), notes; latest2018c62§9. Merits use limited to (14), (16) and preventing cross-chapter imports. | [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) |\n| **S_WA-P17-S068** | **63.14.010—Retail installment definitions**, (1)–(18), notes. Other incorporated retail/lease regimes held. | [https://app.leg.wa.gov/rcw/default.aspx?cite=63.14.010](https://app.leg.wa.gov/rcw/default.aspx?cite=63.14.010&utm_source=chatgpt.com) |\n| **S_WA-P17-S069** | **19.60.010—Pawnbroker/secondhand definitions**, (1)–(11); pawn definition only used for boundary. | [https://app.leg.wa.gov/rcw/default.aspx?cite=19.60.010](https://app.leg.wa.gov/rcw/default.aspx?cite=19.60.010&utm_source=chatgpt.com) |\n| **S_WA-P17-S070** | **19.108.010—Trade-secret definitions**, (1)–(4); economic-value/secrecy predicate only. | [https://app.leg.wa.gov/rcw/default.aspx?cite=19.108.010](https://app.leg.wa.gov/rcw/default.aspx?cite=19.108.010&utm_source=chatgpt.com) |\n| **S_WA-P17-S071** | **Chapter48.28—Surety insurance**, .010–.050 complete; further surplus-lines incorporation held. | [https://app.leg.wa.gov/rcw/default.aspx?cite=48.28&full=true](https://app.leg.wa.gov/rcw/default.aspx?cite=48.28&full=true&utm_source=chatgpt.com) |\n| **S_WA-P17-S072** | **19.86.020—Unfair/deceptive acts**, complete. | [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) |\n| **S_WA-P17-S073** | **19.86.090—Private civil action/damages**, complete body and notes. | [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) |\n| **S_WA-P17-S074** | **19.86.093—Public-interest effect**, complete. | [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) |\n| **S_WA-P17-S075** | **19.86.170—Exempted transactions/remedies**, complete and notes. | [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) |\n| **S_WA-P17-S076** | **19.86.080—AG action/restoration**, complete (1)–(3), notes. Antitrust merits not used. | [https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080&utm_source=chatgpt.com) |\n| **S_WA-P17-S077** | **19.86.140—Civil penalties**, complete body and displayed2021/2024 notes. | [https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140&utm_source=chatgpt.com) |\n| **S_WA-P17-S078** | **19.86.120—Limitation/tolling**, complete body and notes. Motor-vehicle annotation not imported. | [https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120](https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120&utm_source=chatgpt.com) |\n| **S_WA-P17-S079** | **4.16.160—State/municipal limitations**, complete body and displayed notes; .310 incorporation held. | [https://app.leg.wa.gov/rcw/default.aspx?cite=4.16.160](https://app.leg.wa.gov/rcw/default.aspx?cite=4.16.160&utm_source=chatgpt.com) |\n| **S_WA-P17-S080** | **9.92.030—Misdemeanor default punishment**, complete. Historical original not opened. | [https://app.leg.wa.gov/rcw/default.aspx?cite=9.92.030](https://app.leg.wa.gov/rcw/default.aspx?cite=9.92.030&utm_source=chatgpt.com) |\n\n### D. Adopted statutory and rule originals\n\n| Source ID | Issuer/title/status and complete actual read bounds | Complete literal HTTPS URL |\n| --- | --- | --- |\n| **S_WA-P17-S081** | Legislature, **2003c86 / SSB5452**, adopted session law; complete cover and §§1–20, printed1–20 / PDF1–20. | [https://lawfilesext.leg.wa.gov/biennium/2003-04/Pdf/Bills/Session%20Laws/Senate/5452-S.SL.pdf?cite=2003+c+86+s+1](https://lawfilesext.leg.wa.gov/biennium/2003-04/Pdf/Bills/Session%20Laws/Senate/5452-S.SL.pdf?cite=2003+c+86+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-S082** | Legislature, **2009c510 / ESHB1709**, adopted; complete cover and §§1–10, printed1–10 / PDF1–10. | [https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1709-S.SL.pdf?cite=2009+c+510+s+3](https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1709-S.SL.pdf?cite=2009+c+510+s+3&utm_source=chatgpt.com) |\n| **S_WA-P17-S083** | Legislature, **2007c81 / SB5199**, adopted; complete cover/§1, printed1–2 / PDF1–2. | [https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5199.SL.pdf?cite=2007+c+81+s+1](https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5199.SL.pdf?cite=2007+c+81+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-S084** | Legislature, **2009c13 / SB5164**, adopted; complete cover/§1, printed1–3 / PDF1–3. | [https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5164.SL.pdf?cite=2009+c+13+s+1](https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5164.SL.pdf?cite=2009+c+13+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-S085** | Legislature, **2012c17 / SHB2255**, adopted; complete §§7–11, printed10–16 / PDF10–16; cover and terminal§18 printed18–19 / PDF18–19. Other chapters partial/context only. | [https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2255-S.SL.pdf?cite=2012+c+17+s+7](https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2255-S.SL.pdf?cite=2012+c+17+s+7&utm_source=chatgpt.com) |\n| **S_WA-P17-S086** | Legislature, **2014c36 / SB6134**, adopted; complete §§7–9, printed10–13 / PDF10–13; cover/end. | [https://lawfilesext.leg.wa.gov/biennium/2013-14/Pdf/Bills/Session%20Laws/Senate/6134.SL.pdf?cite=2014+c+36+s+8](https://lawfilesext.leg.wa.gov/biennium/2013-14/Pdf/Bills/Session%20Laws/Senate/6134.SL.pdf?cite=2014+c+36+s+8&utm_source=chatgpt.com) |\n| **S_WA-P17-S087** | Legislature, **1991c355 / HB1487**, adopted; complete §§18–24, printed13–15 / PDF14–16; preceding§§16–17 partial, not relied as complete. | [https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/1487.SL.pdf?cite=1991+c+355+s+1](https://lawfilesext.leg.wa.gov/biennium/1991-92/Pdf/Bills/Session%20Laws/House/1487.SL.pdf?cite=1991+c+355+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-S088** | Legislature, **1995c18 / SSB5279**, adopted; cover/complete§§1–2, printed1–2 / PDF1–2; §3 beginning and ending§7/§8 material printed8–9 / PDF8–9 inspected; not whole-act coverage. | [https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5279-S.SL.pdf?cite=1995+c+18+s+1](https://lawfilesext.leg.wa.gov/biennium/1995-96/Pdf/Bills/Session%20Laws/Senate/5279-S.SL.pdf?cite=1995+c+18+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-S089** | Legislature, **2005c256 / ESSB5415**, adopted; entire cover/§1, printed1–2 / PDF1–2. | [https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/5415-S.SL.pdf?cite=2005+c+256+s+1](https://lawfilesext.leg.wa.gov/biennium/2005-06/Pdf/Bills/Session%20Laws/Senate/5415-S.SL.pdf?cite=2005+c+256+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-S090** | DFI/Code Reviser, **WSR05-22-009**, permanent order. Actual parsed read ranges0–415,497–543,569–610; complete selected rules within those ranges, not entire order. | [https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm](https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S091** | DFI/Code Reviser, **WSR07-23-094**, permanent order. Header0–17 and90–210 read; selected complete amendments, not entire order. | [https://lawfilesext.leg.wa.gov/law/wsr/2007/23/07-23-094.htm](https://lawfilesext.leg.wa.gov/law/wsr/2007/23/07-23-094.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S092** | DFI/Code Reviser, **WSR09-24-089**, permanent order; complete parsed text0–662, including repealer. | [https://lawfilesext.leg.wa.gov/law/wsr/2009/24/09-24-089.htm](https://lawfilesext.leg.wa.gov/law/wsr/2009/24/09-24-089.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S093** | DFI/Code Reviser, **WSR14-24-048**, permanent order; complete parsed text0–34. | [https://lawfilesext.leg.wa.gov/law/wsr/2014/24/14-24-048.htm](https://lawfilesext.leg.wa.gov/law/wsr/2014/24/14-24-048.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S094** | DFI/Code Reviser, **WSR16-10-046**, permanent order; complete parsed text0–87. | [https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm](https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S095** | DFI/Code Reviser, **WSR25-04-038**, permanent order; complete parsed text0–94, header and amended -556. | [https://lawfilesext.leg.wa.gov/law/wsr/2025/04/25-04-038.htm](https://lawfilesext.leg.wa.gov/law/wsr/2025/04/25-04-038.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S096** | Legislature, **2007c66 / SSB5228**, adopted; complete cover/§§1–3, printed1–3 / PDF1–3. | [https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5228-S.SL.pdf?cite=2007+c+66+s+1](https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5228-S.SL.pdf?cite=2007+c+66+s+1&utm_source=chatgpt.com) |\n| **S_WA-P17-S097** | Legislature, **2009c371 / SSB5531**, adopted; complete cover/§§1–3, printed1–2 / PDF1–2. | [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) |\n| **S_WA-P17-S098** | Legislature, **2021c228 / SSB5025**, adopted; complete cover/§§1–4, printed1–3 / PDF1–3. | [https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5025-S.SL.pdf?cite=2021+c+228+s+2](https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5025-S.SL.pdf?cite=2021+c+228+s+2&utm_source=chatgpt.com) |\n| **S_WA-P17-S099** | Legislature, **2024c256 / SHB2072**, adopted; complete cover/§§1–3, printed1–3 / PDF1–3. | [https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/2072-S.SL.pdf?cite=2024+c+256+s+2](https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/2072-S.SL.pdf?cite=2024+c+256+s+2&utm_source=chatgpt.com) |\n| **S_WA-P17-S100** | Legislature, **2024c249 / SSB6025**, adopted; cover, complete§2(1)–(4), printed1–3 / PDF1–3, and§5 printed7 / PDF7. Other text inspected but later pagination failed; no entire-act read claim. | [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) |\n\n### E. Currentness and proposal-status sources\n\n| Source ID | Issuer/title/read bounds/status and use | Complete literal HTTPS URL |\n| --- | --- | --- |\n| **S_WA-P17-S101** | Code Reviser, **2026 WSR agency index—F**. DFI entries parsed7–33 completely read; returned index included issue19. Discovery/currentness evidence only. | [https://lawfilesext.leg.wa.gov/law/wsr/2026/26%2BWSR%2BIndex%2BF.htm](https://lawfilesext.leg.wa.gov/law/wsr/2026/26%2BWSR%2BIndex%2BF.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S102** | DFI/Code Reviser, **WSR26-12-044, semiannual agenda July–December2026**. Complete32-line text; filedMay28,2026. Agenda, not adoption. | [https://lawfilesext.leg.wa.gov/law/wsr/2026/12/26-12-044.htm](https://lawfilesext.leg.wa.gov/law/wsr/2026/12/26-12-044.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S103** | Legislature, **HB2361 bill summary/history**. Complete displayed status/history; shown House Rules X actionFebruary19,2026. No enactment authenticated. | [https://app.leg.wa.gov/billsummary/?billNumber=2361&initiative=False&year=2026](https://app.leg.wa.gov/billsummary/?billNumber=2361&initiative=False&year=2026&utm_source=chatgpt.com) |\n| **S_WA-P17-S104** | Legislature, **SB6250 bill summary/history**. Complete displayed status/history; Senate Rules XFebruary26,2026. Proposal status only. | [https://app.leg.wa.gov/billsummary?BillNumber=6250&Initiative=false&Year=2025](https://app.leg.wa.gov/billsummary?BillNumber=6250&Initiative=false&Year=2025&utm_source=chatgpt.com) |\n| **S_WA-P17-S105** | Legislature, **HB1063 EWA bill summary/history**. Displayed status/history read, including2026 retention; no adopted act authenticated. | [https://app2.leg.wa.gov/billsummary?BillNumber=1063&Year=2026](https://app2.leg.wa.gov/billsummary?BillNumber=1063&Year=2026&utm_source=chatgpt.com) |\n| **S_WA-P17-S106** | Legislature, **SB5328 EWA bill summary/history**. Complete displayed history, including2025 passage in one chamber and2026 Rules X; no enactment authenticated. | [https://app.leg.wa.gov/billsummary?BillNumber=5328&Initiative=false&Year=2025](https://app.leg.wa.gov/billsummary?BillNumber=5328&Initiative=false&Year=2025&utm_source=chatgpt.com) |\n| **S_WA-P17-S107** | Legislature, **SB5899 small-consumer-installment proposal history**. Complete displayed2015–2016 status/history; not an adopted product source. | [https://app.leg.wa.gov/billsummary?BillNumber=5899&Initiative=False&Year=2015](https://app.leg.wa.gov/billsummary?BillNumber=5899&Initiative=False&Year=2015&utm_source=chatgpt.com) |\n\n### F. Additional complete current rules used for rights and continuing duties\n\nIssuer and currency are as in §10B.\n\n| Source ID | Section / complete read bounds / currency | Complete literal HTTPS URL |\n| --- | --- | --- |\n| **S_WA-P17-S108** | **208-630-830—Annual reporting**, (1)–(3), all subparagraphs; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-830](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-830&utm_source=chatgpt.com) |\n| **S_WA-P17-S109** | **-835—Significant changes**, (1)–(3); R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835&utm_source=chatgpt.com) |\n| **S_WA-P17-S110** | **-836—Ceasing small-loan business**, (1)–(2); R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-836](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-836&utm_source=chatgpt.com) |\n| **S_WA-P17-S111** | **-560—Borrower disclosures**, (1)–(3); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560&utm_source=chatgpt.com) |\n| **S_WA-P17-S112** | **-570—Required rights disclosure**, complete statutory text read; no template reproduced; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570&utm_source=chatgpt.com) |\n| **S_WA-P17-S113** | **-580—Posted disclosures**, (1)–(3); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-580](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-580&utm_source=chatgpt.com) |\n| **S_WA-P17-S114** | **-601—2010 law-change notice**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com) |\n| **S_WA-P17-S115** | **-670—Loan-file records**, (1)–(2); R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-670](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-670&utm_source=chatgpt.com) |\n| **S_WA-P17-S116** | **-505—Cash-payment receipt**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505&utm_source=chatgpt.com) |\n| **S_WA-P17-S117** | **-506—Inability-to-pay notification duty**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506&utm_source=chatgpt.com) |\n| **S_WA-P17-S118** | **-555—Database purposes**, (1)–(6); R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-555](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-555&utm_source=chatgpt.com) |\n| **S_WA-P17-S119** | **-715—Information-security program**, (1)–(5); R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715&utm_source=chatgpt.com) |\n| **S_WA-P17-S120** | **-716—Financial-information privacy**, (1)–(3); R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716&utm_source=chatgpt.com) |\n| **S_WA-P17-S121** | **-717—Compromised-data notice**, complete; R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-717](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-717&utm_source=chatgpt.com) |\n| **S_WA-P17-S122** | **-605—Business resumption plan**, complete; R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-605](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-605&utm_source=chatgpt.com) |\n| **S_WA-P17-S123** | **-606—Records disposal**, complete; R16. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-606](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-606&utm_source=chatgpt.com) |\n| **S_WA-P17-S124** | **-8301—Late annual reports/assessment**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8301](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8301&utm_source=chatgpt.com) |\n| **S_WA-P17-S125** | **-890—Non-check-seller closing report**, complete; R09. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-890](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-890&utm_source=chatgpt.com) |\n\n### G. Failed or nonrelied access records\n\n| Source ID | Issuer/attempted material and usage status | Complete literal HTTPS URL |\n| --- | --- | --- |\n| **S_WA-P17-S126** | DFI check-casher laws/rules page; **403, no operative body read**. | [https://dfi.wa.gov/check-cashers/laws-rules](https://dfi.wa.gov/check-cashers/laws-rules?utm_source=chatgpt.com) |\n| **S_WA-P17-S127** | DFI agency-rulemaking page; **403, no body read**. | [https://dfi.wa.gov/agency-rulemaking](https://dfi.wa.gov/agency-rulemaking?utm_source=chatgpt.com) |\n| **S_WA-P17-S128** | DFI payday CR-103 PDF; **403, no PDF read at this route**. Same instrument authenticated through S095. | [https://dfi.wa.gov/sites/default/files/payday-cr-103.pdf](https://dfi.wa.gov/sites/default/files/payday-cr-103.pdf?utm_source=chatgpt.com) |\n| **S_WA-P17-S129** | Code Reviser WSR13-05-005 original; **400/decoding failure**, no operative original read. | [https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05-005.htm](https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05-005.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S130** | Ordinary official alternate2013 issue route; **DisabledError**, no original read. | [https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05.htm](https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05.htm?utm_source=chatgpt.com) |\n| **S_WA-P17-S131** | Individual WAC208-630-136 route inaccessible. Complete section was read through S002 and adopted S093; no repeated individual-route attempt. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136) |\n| **S_WA-P17-S132** | eCFR **31CFR1010.100**; redirect to access/CAPTCHA wall, no regulation body authenticated. | [https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100?utm_source=chatgpt.com) |\n| **S_WA-P17-S133** | DFI/Code Reviser, **WAC208-630-370—Investigation powers**, complete (1)–(12) and final paragraph; R05. | [https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370](https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370&utm_source=chatgpt.com) |\n| **S_WA-P17-S134** | **RCW9A.20.021**, incidental partial inspection; **not relied on** for the chapter31.45 misdemeanor consequence. S080 is the used default-punishment source. | [https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021](https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021&utm_source=chatgpt.com) |\n\n## 11. Complete read, search, and failure log\n\n### A. Consolidated read log\n\nRepeated opens and pagination are consolidated by instrument; they are not counted as independent corroboration.\n\n| Read group | Actual work completed | Boundary |\n| --- | --- | --- |\n| **R1 — Core codification** | S001/S002 chapter bodies read in successive segments; individual sections S003–S059 and S108–S125/S133 used to complete/check relied sections. Late gaps in -340, -370, -380/-390, -470, -610, and -716 were closed. | Complete current core text coverage does not complete every incorporated external law. |\n| **R2 — Definitions/exceptions** | S060, S066–S071 read in full sections/chapters stated; RCW31.04.015 completed through definition39. | CLA, retail, pawn, surety, and secrecy material used only for identified boundaries. |\n| **R3 — Check remedies** | S061–S065 complete; included stop-payment exception, notice, affidavit, prohibited-demand consequence, and enforcement-person definition. | No forms reproduced; remaining UCC/court-process incorporations held. |\n| **R4 — CPA/criminal bridges** | S072–S080 complete operative sections and displayed notes; S134 partial and discarded as a merits source. | No case law or actual enforcement determination. |\n| **R5 — Major sector originals** | S081–S086 and S089 read to the complete bounds stated; 2003/2009 pagination holes closed. | Other chapters within omnibus acts not silently covered. |\n| **R6 — Founding/older originals** | S087/S088 limited selected sections, cover and ending material. | No claim of an exhaustive original-to-current archival chain. |\n| **R7 — Rule originals** | S092–S095 complete; S090/S091 selected complete rules and exact ranges. Remaining2016/2009 line gaps were closed. | S129/S130 failed; 2013 footnote is not opened-original evidence. |\n| **R8 — Remedial/boundary originals** | S096–S099 complete; S100 only the complete sections specified. | S100 follow-up fetch failed; no entire-act completion claim. |\n| **R9 — Currentness/proposals** | S101 DFI entries; complete S102; complete displayed status/history in S103–S107. | Index/proposals are discovery/status evidence, not operative-law substitutes. |\n| **R10 — Search-only material** | Located proposal notices, older rule PDFs, an archive index, an operational assessment page, and incidental unrelated/secondary hits. | Unopened search results and snippets were not used as extensive legal coverage or independent corroboration. |\n| **R11 — Output truncation** | An early combined result was truncated; relevant2003/2009 original gaps were later filled by targeted reads. | Truncation was a read-completeness issue, not proof that an authority was unavailable. |\n\n### B. Search log\n\nThe following records the search batches and their legal purpose. Domain spellings/query text are retained where material. Searches were discovery, not authority.\n\n| Search batch | Queries / filter | Result and use |\n| --- | --- | --- |\n| **D01** | site.app.leg.wa.gov RCW 31.45 small loans; site:app.leg.wa.gov WAC 208-630 small loans installment plan | Located official core chapters; complete texts subsequently opened. |\n| **D02** | site:dfi.wa.gov \"small loan\" \"2026\"; \"208-630\" \"2026\"; site:leg.wa.gov \"31.45\" \"2026\" payday; recency365 | Currentness leads; DFI failures separately logged. |\n| **D03** | site:dfi.wa.gov \"208-630\" \"2026\" -\"enforcement-actions\"; site:dfi.wa.gov \"small loan\" \"database\" \"fee\" rulemaking; site:lawfilesext.leg.wa.gov \"208-630\" \"2026\"; site:app.leg.wa.gov \"earned wage\" \"31.04\" | Database-fee, rulemaking and EWA leads. No snippet treated as law. |\n| **D04** | site:leg.wa.gov \"earned wage access\" Washington 2025 2026 and site:dfi.wa.gov \"earned wage\" -\"enforcement-actions\" with recency730; site:lawfilesext.leg.wa.gov \"25-04-038\"; DFI rulemaking/check-casher/payday2026 with recency365 | Located adopted fee order and EWA proposal histories. |\n| **D05** | Official WSR searches for \"25-04-038\", \"16-10-046\", \"09-24-089\", \"14-24-048\" | Opened S092–S095. |\n| **D06** | site:dfi.wa.gov \"earned wage\" \"loan\" -\"enforcement-actions\"; site:app.leg.wa.gov \"31.04.025\" \"employer\"; site:lawfilesext.leg.wa.gov \"2026\" \"31.45.073\"; same domain \"2026\" \"small consumer installment\" | Narrow competing-category/currentness discovery. |\n| **D07** | Official bill-summary queries for2361/6250/2026; official WSR-agency Financial Institutions2026; \"13-05-005.pdf\" | Bill histories/index; no successful2013 original obtained. |\n| **D08** | site:lawfilesext.leg.wa.gov \"05-22-009\"; \"07-23-094\"; \"13-05-005\" \"pdf\"; \"2005\" \"256\" \"31.45.210\" | Opened older rule originals and military statute original; alternate2013 issue route failed. |\n| **D09** | site:ecfr.gov \"1010.100\" \"Closed loop prepaid access\"; official2026 \"208-630\" recency365; official bill5899/2015/small-consumer query; official \"31.45\" \"2026\" \"effective\" recency365 | eCFR wall; alternative-product history; no later adopted amendment authenticated by these searches. |\n| **D10** | site:govinfo.gov \"1010.100\" \"Closed loop prepaid access\" \"2026\" | No results. No alternate federal text authenticated; definition hold retained. |\n| **D11 — Final bounded currentness** | site:lawfilesext.leg.wa.gov/law/wsr/2026/ \"208-630\" \"PERMANENT RULES\" recency90; site:lawfilesext.leg.wa.gov/biennium/2025-26/ \"Session Laws\" \"31.45\" recency365; official2026 \"check cashers\" October recency60 | Returned agenda/proposal/older-rule/archive material, not a newly authenticated later permanent amendment. This is not proof of absence. |\n\n### C. Fresh failure and alternate-route log\n\n| Failure | Fresh result | Materially different ordinary official route / disposition |\n| --- | --- | --- |\n| **F01 — S126** | DFI laws/rules page returned403. | Official Legislature RCW/WAC bodies opened successfully, S001/S002. |\n| **F02 — S127** | DFI rulemaking page returned403. | Official Code Reviser agency index and agenda, S101/S102, opened; limited currentness coverage retained. |\n| **F03 — S128** | DFI CR-103 PDF returned403. | Official adopted WSR HTML, S095, read completely. Same instrument, not independent corroboration. |\n| **F04 — S129** | 2013 original HTML returned400/decoding failure. | One different official issue route, S130, attempted. |\n| **F05 — S130** | Alternate2013 issue route returnedDisabledError. | No further route attempt for that original. Current codification remains available; original hold retained. |\n| **F06 — S131** | Individual -136 route inaccessible. | Complete chapter route and2014 adopted original already supplied the full section. No identical failed retry. |\n| **F07 — S132** | eCFR redirected to an access/CAPTCHA wall. | Ordinary official GovInfo discovery query returned no result. No login, CAPTCHA interaction, hidden endpoint, or bypass; incorporation held. |\n| **F08 — S100 follow-up** | Later pagination fetch of already partly read2024c249 PDF returnedUnexpectedStatusCode. | No failed retry. Previously completed §2(1)–(4), §5 and cover retained; no whole-original claim. |\n\n## 12. Exact remaining currentness, history, incorporation, and construction gaps\n\n| Gap | Exact unresolved issue | Effect on this report |\n| --- | --- | --- |\n| **G001 — Currentness horizon** | Returned2026 agency index reached issue19; final targeted searches did not independently authenticate every later filing through the end of October28. Agenda identifies check-casher work using a mismatched208-660 citation. | Official current text is reported as accessed; no exhaustive “no later/future-effective amendment” certification. |\n| **G002 — 2013 rule original** | WSR13-05-005 inaccessible through the permitted two ordinary routes. | Current -610/-8201 and related text can be stated; complete2013 original/effective/application authentication remains open. |\n| **G003 — Other historical chains** | Unopened2005c274 §§255–257,2011c93§10, various1993/1994/1996/2001 predecessors, external statute originals, and full selected omnibus acts. | No complete archival-chain or historical-transaction conclusion. |\n| **G004 — Net-worth equality** | Statute/-130 strict “in excess” versus -260 inclusive “at least.” | No approval at exact equality. |\n| **G005 — Branch counting** | Treatment of headquarters in “endorsed branch office beyond one branch.” | No substituted bond amount or location-count determination. |\n| **G006 — Income and rounding** | Irregular income periods, annualization, fractional-cent charges, and aggregation allocation are not fully specified in the relied text. | No favorable income/fee computation. |\n| **G007 — Loan-count boundary** | Precise timestamps, inclusive start/end treatment, and calendar irregularities for “any twelve-month period.” | No actual count/window result. |\n| **G008 — Due-date construction** | Exact seventh-day treatment; closed-day extension relative to45-day limit; online-only “business day” application. | No earliest lawful due date or maturity result. |\n| **G009 — Rescission construction** | “On or before” versus “before” close; origination versus actual receipt; physical-location/online business-day interaction. | No actual cancellation deadline or relief finding. |\n| **G010 — Plan structure** | Loan amount versus loaned amount; fewer payments versus at least three; substantial equality/distribution; reasonable rounding; request wording. | No plan-duration selection, payment count, schedule, or waiver determination. |\n| **G011 — Partial payment/refunds** | No general partial-payment allocation or original-fee rebate formula authenticated in the core provisions. | No CLA/student-servicing formula imported. |\n| **G012 — Default illustration** | Day-zero/11th-day text versus embedded calendar illustration. | No actual default date or fee determination. |\n| **G013 — Check-cost combination** | Complete construction of .082 with .515–.525, handling/default/civil-cost interactions, justifiable stop payment, and instrument terms. | No cumulative fee or collection entitlement calculation. |\n| **G014 — UCC/collateral/standing** | Further62A.3-309/.418(d), defenses, holder/assignment rules, and chapter62A.9A collateral definition/application not completed. | No ownership, valid-security, standing, or enforceable-instrument finding. |\n| **G015 — Database rights/outages** | Fractional outage-extension periods; full consumer access/correction/dispute rights; private vendor administrative instructions. | Only the public-rule duties and supplied reason/number rights are stated. |\n| **G016 — Federal disclosure** | Full TILA/RegZ coverage, exemptions, calculations, timing, electronic delivery, remedies; old Part226/new Part1026 references. | State disclosure bridge only; no APR or federal violation/consequence. |\n| **G017 — Electronic payments** | EFTA/RegE, compulsory-use/authorization/revocation/error rules, and any relevant current federal payday-payment rule. | No electronic-payment permission or dispute instruction. |\n| **G018 — Federal collection/reporting/bankruptcy** | Full FDCPA/RegF, FCRA, bankruptcy and discharge law. | State collection/database text does not complete these merits. |\n| **G019 — Territorial/tribal** | Tribal authority/immunity, interstate choice of law, resident-outside-state situations, and federal bank/credit-union preemption. | No actual jurisdictional or exemption outcome. |\n| **G020 — Other products** | Full EWA, ordinary CLA origination, retail lease exclusions, pawn/title, federal credit-union alternative programs, tax-refund/other special products. | No declaration that those laws are inapplicable; no separate-product report. |\n| **G021 — Federal prepaid definition** | 31CFR1010.100(ww)/(kkk) not authenticated after access wall and unsuccessful official alternate discovery. | .105(1)(e) remains a conditional statutory prohibition, without a completed prepaid-product classification. |\n| **G022 — Privacy/insurance/tax** | GLBA/RegP,16CFR314/682, chapter19.255, full public-records law, surplus-lines/surety law, insurance/tax/unclaimed-property dependencies. | No complete privacy, insurance, tax, breach-notice, or trust-bankruptcy outcome. |\n| **G023 — Administrative/court procedure** | Full chapter34.05, RCW36.18.012(3), receiver incorporation from31.04, superior/district/small-claims procedure, RCW4.16.310. | Generic agency powers only; no filing, review, stay, receiver, or limitation strategy. |\n| **G024 — CPA construction** | Injury/causation, exemption interpretation, enhancement-cap treatment, district-court amount in3.66.020, accrual/tolling, and10USC101 military definition. | No award, penalty, jurisdiction, timeliness, or protected-status determination. |\n| **G025 — Contract/nonwaiver/local/protected parties** | Arbitration, contractual waiver/severability, general contract law, local laws, other protected-party overlays, judicial construction. | No private agreement inspected or adjudicated; express state duties remain stated. |\n| **G026 — Closing reports** | Statute’s suspended/revoked versus surrender/revocation clock; audit wording versus non-check-seller own-accountant rule. | No conclusion that an unaudited report satisfies every statutory circumstance. |\n\nNo case, opinion, docket, provider, borrower, account, private policy, or transaction evidence was used to resolve these gaps.\n\n## 13. Researcher self-check — not independent review\n\n| Check | Result |\n| --- | --- |\n| Same research identity and numbering | S_WA PASS-17 retained; sources S001–S134 and consequential claims C001–C141 assigned within this component. |\n| Earlier reviewed scope preserved | P1/P2 metadata kept within their exact supplied boundaries; P3/P5 hits not used as state-sector premises; P16 merits not used. |\n| Operative text versus proposal | Current RCW/WAC and opened adopted originals distinguished from bill histories, agenda, notices, and search snippets. |\n| Complete relied-section reading | Relied current sections completed; original read bounds and remaining incorporations disclosed individually. |\n| Quantities | Units, bases, actors, frequencies, reference events, endpoints, exceptions, and construction conflicts recorded in Q001–Q071. |\n| Financial examples | None; symbolic relations only. |\n| Borrower rights versus actual exercise | Disclosure, inability notice, request, election, acknowledgment, payment, default, and relief kept distinct. |\n| Regulatory cost versus borrower charge | Bonds, assessments, examination costs, and the database fee separated from borrower-facing permissions. |\n| Remedies | .105 transaction consequence, DFI sanctions, bond claims, CPA remedies, and criminal designation not collapsed into automatic relief. |\n| Access restrictions | Fresh failures and ordinary alternate routes recorded; no access-control bypass. |\n| PDF/source quality | Parsed text distinguished from pixels; formats of the same instrument not treated as independent corroboration. |\n| Coverage | Every question1–8 and material subquestion marked authenticated, held, or deliberately excluded. |\n| Review/acceptance status | This is the researcher’s self-check only. It supplies no independent-review, Washington/dimension6/A066, parent, operational, or publication acceptance. |\n\nEND S_WA PASS-17.\n\n","tables":[{"headers":["Mark","Meaning"],"index":0,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Mark","Meaning"],["A","Authenticated proposition from the identified public operative text, subject to its stated predicates and the report’s currentness boundary."],["I","Expressly identified inference from the authenticated text; not a judicial construction."],["H","Exact issue held because a necessary incorporation, historical instrument, construction, or application predicate is not completed."],["X","Deliberately excluded from this component."],["M","Supplied coordination/provenance metadata; not newly authenticated sector law."]]},{"headers":["Claim ID","Status","Atomic proposition and exact 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ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C001","A","The relevant statutory chapter is chapter 31.45 RCW, Check Cashers and Sellers; the implementing chapter is chapter 208-630 WAC, Regulation of Check Cashers and Sellers and Small Loans (Payday Lenders).","S001–S002, chapter headings. \napp.leg.wa.gov\n+1"],["S_WA-P17-C002","A/I","WAC 208-630-110 equates payday advance, payday, and deferred-deposit loans with the chapter’s small loan. This is an in-chapter definition, not a universal classification of marketed products.","S027, definitions; S003(21). \napp.leg.wa.gov"],["S_WA-P17-C003","A","A chapter 31.45 borrower is a natural person receiving a small loan. The definition does not itself impose the consumer-purpose formulation used in other chapters.","S003(2), (21). \napp.leg.wa.gov"],["S_WA-P17-C004","A","“Licensee” includes a check casher or seller, inside or outside Washington, that failed to obtain a required license or endorsement. The definition does not itself establish that a particular activity required one.","S003(13). \napp.leg.wa.gov"],["S_WA-P17-C005","A/H","“Check” incorporates RCW 62A.3-104(f) and, for small-loan business, adds electronic forms of payment. The rule’s “postdated check” definition excludes an electronically submitted promise or order. These are distinct definitions; full UCC instrument consequences remain held.","S003(4), S027; S060(a)–(j). \napp.leg.wa.gov\n+2"],["S_WA-P17-C006","A","Chapter 31.45 does not apply to a financial institution or trust company authorized to do business in Washington. “Financial institution” includes the specified bank, savings, and credit-union categories.","S004(1)(a); S003(11). \napp.leg.wa.gov\n+1"],["S_WA-P17-C007","A","The incidental check-cashing exemption requires all three conditions: customer convenience, a minor part of customary business, and no profit from the activity.","S004(1)(b). \napp.leg.wa.gov"],["S_WA-P17-C008","A","The audited-net-worth exemption concerns issuance or sale of instruments by the specified entities, and a separate paragraph covers their issuance/sale agents. It is not textually a general small-loan exemption.","S004(1)(c)–(d); quantity Q044. \napp.leg.wa.gov"],["S_WA-P17-C009","A","A discretionary exemption requires an application and a director finding that the applicant is not primarily a check-cashing/selling business and that the exemption would not harm the public. Filing is not the exemption.","S004(2). \napp.leg.wa.gov"],["S_WA-P17-C010","A/H","A person making small loans as agent for a licensee or exempt entity is subject to RCW 31.45.079’s license-and-endorsement requirement. Its federal-preemption qualification reaches only the provisions actually preempted; preemption is not established here.","S012, complete section. \napp.leg.wa.gov"],["S_WA-P17-C011","A","RCW 31.45.105(1)(d) expressly reaches making a small loan to a person physically in Washington through internet, telephone, facsimile, kiosk, or other means without the endorsement.","S022(1)(d). \napp.leg.wa.gov"],["S_WA-P17-C012","H","The physical-location clause and outside-state licensee definition do not complete residence-only, choice-of-law, tribal-jurisdiction, sovereign-immunity, or federal-preemption questions.","S003(13), S012, S022(1)(d); gaps G019–G020."],["S_WA-P17-C013","A","RCW 31.04.025(4)(d) separately excludes persons making loans under chapter 31.45 from the Consumer Loan Act. Ordinary CLA credit therefore cannot be merged into this sector solely because it is small or short term.","S066(4)(d); S067(14), (16). \napp.leg.wa.gov\n+1"],["S_WA-P17-C014","A/I","The CLA’s business-purpose exclusion and its residential-dwelling qualification are chapter-specific. Neither that exclusion nor the supplied chapter 18.28 finding establishes a chapter 31.45 business-purpose exemption.","S066(4)(e); S003(2); supplied P1 record. \napp.leg.wa.gov"],["S_WA-P17-C015","A/H","Retail installment sales have separate definitions in RCW 63.14.010. RCW 31.45.105(1)(e) additionally prohibits the specified retail installment sale of open-loop prepaid access. The incorporated federal prepaid definitions were not authenticated because the official route was blocked.","S068; S022(1)(e); S132. \napp.leg.wa.gov\n+1"],["S_WA-P17-C016","A","RCW 31.45.070(2)’s government/employer payroll-check exception concerns a check payable on the first banking day after cashing. It is not a general employer wage-advance or earned-wage-access exemption.","S009(2). \napp.leg.wa.gov"],["S_WA-P17-C017","H","Classification of earned-wage advances, tips, subscriptions, expedited-access charges, and nonrecourse arrangements is not settled by a marketed label or the payroll-check exception. The opened EWA bill histories do not authenticate an enacted alternative framework.","S009; S067(14), (16); S105–S106. \napp2.leg.wa.gov\n+2"],["S_WA-P17-C018","A/H","A chapter 31.45 small loan cannot take other property, title, or ownership evidence as collateral. Pawnbroking is separately defined and recognized in the same-premises provision; complete pawn/title/secured-credit law is outside this pass.","S010(6); S009(1); S069(6). \napp.leg.wa.gov\n+2"],["S_WA-P17-C019","A/H","The complete current chapter reviewed does not establish the separate “small consumer installment loan” framework proposed in the opened 2015 bill history. That history supplies proposal status, not an adopted product or a universal absence finding.","S001–S002; S107. \napp.leg.wa.gov"],["S_WA-P17-C020","A/H","RCW 31.45.210 supplies its own military-borrower definition and protections. WAC 208-630-5401 separately incorporates federal military-credit law; the full federal coverage, exclusions, and consequences remain held.","S026(1)–(2); S002, -5401; S089, S091. \napp.leg.wa.gov\n+1"]]},{"headers":["Claim ID","Status","Atomic proposition and exact boundary","Authority"],"index":2,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.077&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2255-S.SL.pdf?cite=2012+c+17+s+7&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+2"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-137&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-250&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-260&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-400&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.077&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2011-12/Pdf/Bills/Session%20Laws/House/2255-S.SL.pdf?cite=2012+c+17+s+7&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+2"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-137&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-250&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-260&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-400&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"}]],"rows":[["Claim ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C021","A","Unless exempt, check-cashing/selling business requires a license for each location under the statutory licensing structure.","S005(1); S002, -120, -140–170. \napp.leg.wa.gov"],["S_WA-P17-C022","A","Small-loan making requires an endorsement for each lending location; an endorsed lending location may differ from a check-cashing/selling location.","S010(1). \napp.leg.wa.gov"],["S_WA-P17-C023","A","The endorsement application is a written application supported by required security and financial information. The rule requires current-quarter GAAP information and specified background information; these are application predicates, not an approval.","S011(1)–(3); S028(1)–(6). \napp.leg.wa.gov\n+1"],["S_WA-P17-C024","A","Issuance depends on the director’s investigation and findings concerning statutory compliance, financial responsibility, fitness, and security; discretionary and mandatory disqualifications differ.","S006(1)–(3); Q046. \napp.leg.wa.gov"],["S_WA-P17-C025","A","The license is nontransferable/nonassignable and must be posted. Continuing status is subject to annual-assessment and expiration provisions; it is not a permanent authorization unaffected by later duties.","S006(4)–(5); S007. \napp.leg.wa.gov\n+1"],["S_WA-P17-C026","A","RCW 31.45.043 authorizes a multistate application/administration system, and .045 concerns condition reports. A system submission is distinct from issuance of a license or endorsement.","S001, .043–.045; S085 §8; S086 §9. \nlawfilesext.leg.wa.gov\n+1"],["S_WA-P17-C027","A","The rules recognize branches and treat staffed or unstaffed terminals/kiosks as locations; placement on an exempt entity’s premises does not itself supply the required authorization.","S002, -155–170; S094. \napp.leg.wa.gov\n+1"],["S_WA-P17-C028","A","Small-loan agent services have a limited-agent licensing structure under -135–138. The current service list covers marketing, information gathering, documentation, disclosures, and collection subject to the collection qualification.","S027; S029–S031; S002, -136; S093. \nlawfilesext.leg.wa.gov\n+2"],["S_WA-P17-C029","A/H","Endorsed persons and specified persons licensed, exempt, or otherwise authorized to collect under Washington law are excluded from the rule’s agent-services definition. Full chapter 19.16 collector status is not determined.","S027; S002, -136; S093–S094. \nlawfilesext.leg.wa.gov"],["S_WA-P17-C030","A","Limited agents have public-facing nonlender/complaint/privacy disclosures and restrictions on selling nonpublic information to unlicensed recipients; consent concerning uses outside the represented scope is separately required.","S030–S031, complete sections. \napp.leg.wa.gov\n+1"],["S_WA-P17-C031","A","The small-loan bond secures borrower loss caused by chapter/rule violations, subject to express exclusions for interest, consequential damages, and specified tort liabilities. It is not general liability insurance.","S005(5)(b)–(c); S071. \napp.leg.wa.gov"],["S_WA-P17-C032","A/H","The adopted small-loan bond amount is the base plus the increment for endorsed branches beyond one branch. Whether a headquarters is counted as a branch is not resolved by inventing a counting rule.","S032; Q035. \napp.leg.wa.gov"],["S_WA-P17-C033","A/H","RCW 31.45.030 and WAC -130 use net worth in excess of three times the bond; WAC -260 uses at least three times. Equality is held; the inclusive rule wording is not treated as overriding the statute.","S005(5)(e), S028(2), S033(2). \napp.leg.wa.gov\n+2"],["S_WA-P17-C034","A","A permitted bond alternative requires director approval and continuing financial reporting, asset exclusions, and corrective security duties. Accounting charge-off under that rule does not itself discharge a borrower’s debt.","S033(1)–(5); Q037, Q041–Q043. \napp.leg.wa.gov"],["S_WA-P17-C035","A/H","A borrower damaged by a chapter/rule violation may have a bond/deposit action, subject to exclusive superior-court jurisdiction, the literal dishonor-based period, valid-claim requirements, and proportional sharing if insufficient. The clock for loan injury without a relevant dishonor is held.","S005(5)(d); S002, -220. \napp.leg.wa.gov\n+1"],["S_WA-P17-C036","A","The bond is continuous; repeated renewals do not stack penal sums. Cancellation and claim-notification rules have separate reference events.","S005(5)(c); S002, -180–230; Q038–Q040. \nlawfilesext.leg.wa.gov"],["S_WA-P17-C037","A/I","RCW 31.45.080’s trust-fund structure concerns funds from sales of checks and similar instruments. It is not authority for treating all small-loan proceeds or repayments as the same trust fund or imposing a universal loan liquidity reserve.","S013(1)–(3); S002, -950. \napp.leg.wa.gov"],["S_WA-P17-C038","A","Application, examination, annual-assessment, bond, and database amounts are licensee-side obligations. They are distinct from the borrower-facing fee permissions in .073 and the default rules.","S034; S002, -290–310, -350–390; S056(13); Q049–Q050. \napp.leg.wa.gov\n+2"]]},{"headers":["Claim ID","Status","Atomic proposition and exact boundary","Authority"],"index":3,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-110&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-462&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-544&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-466&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-532&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-533&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-110&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-462&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-544&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-466&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-532&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-533&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[]],"rows":[["Claim ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C039","A","The principal limit applies both to an individual small loan and to outstanding principal across all licensees at one time, using the lower of the dollar and gross-income limits.","S010(2); S035; Q001. \napp.leg.wa.gov\n+1"],["S_WA-P17-C040","A/H","Gross monthly income is total personal income earned during a month before taxes/deductions. The text does not provide a complete irregular-income annualization or rounding algorithm.","S027, income definition. \napp.leg.wa.gov"],["S_WA-P17-C041","A","The rule requires income substantiation by enumerated or approved methods, periodic independent verification, and written change/no-change information between verifications.","S036(1)–(5); Q004. \napp.leg.wa.gov"],["S_WA-P17-C042","A","The eight-loan restriction is across all licensees in any twelve-month period, not a calendar-year allowance or a separate allowance per lender.","S010(4); S037; Q005. \napp.leg.wa.gov\n+1"],["S_WA-P17-C043","A","A new small loan cannot pay an existing small loan of the same lender or affiliate, and proceeds cannot be applied to another loan of that lender or affiliate.","S050, complete section. \napp.leg.wa.gov"],["S_WA-P17-C044","A/H","Due-date and maximum-term rules operate together, with a no-additional-cost extension exception. The precise seventh-day issue and interaction of a closed-day extension with the maximum term remain held.","S010(2); S041(1)–(3); S118(6); Q006–Q008. \napp.leg.wa.gov\n+1"],["S_WA-P17-C045","A","For the due-date rule, the relevant pay date is the later of scheduled pay and electronic credit to the account. This is a statutory/rule reference event, not an actual account finding.","S041(4). \napp.leg.wa.gov"],["S_WA-P17-C046","A","If the lender is closed on the stated due date, the rule requires automatic extension to its next business day. No calendar result is supplied.","S041(3). \napp.leg.wa.gov"],["S_WA-P17-C047","A","The charge ceiling aggregates interest and fees, using the statutory principal tiers; it is not an independently authenticated annual rate or APR ceiling.","S010(5); S038(1)–(2); Q002. \napp.leg.wa.gov"],["S_WA-P17-C048","A","Multiple loans by the same licensee cannot restart the higher first-tier percentage above the aggregate-principal threshold at one time.","S010(5); S038(3); Q003. \napp.leg.wa.gov"],["S_WA-P17-C049","A/H","The director has rulemaking authority to identify fees outside .073’s limit. That delegation does not itself establish any unlisted fee, insurance charge, subscription, tip, or database-fee pass-through permission.","S010(5); S048, S054, S056(13). \napp.leg.wa.gov"],["S_WA-P17-C050","A","The default-related new-loan bar ends at the earlier statutory event: full payment or passage of the specified period from loan origination. It is not a debt-discharge or general limitations rule.","S010(2); S046; Q009. \napp.leg.wa.gov"],["S_WA-P17-C051","A","The installment-plan new-loan bar similarly uses payment or the specified period from plan origination/initiation, across licensees.","S010(3); S047; Q010. \napp.leg.wa.gov"],["S_WA-P17-C052","I/H","No additional universal post-payment cooling-off interval was authenticated in the complete current core text. The former successive-loan structure cannot be imported as a current waiting period.","S001–S002; S082, S092; history H05 below."]]},{"headers":["Claim ID","Status","Atomic proposition and exact boundary","Authority"],"index":4,"links":[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-490&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-500&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.088&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2009/24/09-24-089.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.086&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-510&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-520&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-530&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-531&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-547&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-548&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-490&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-500&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.088&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2009/24/09-24-089.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.086&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-510&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-520&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-530&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-531&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-547&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-548&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com","text":"app.leg.wa.gov"}]],"rows":[["Claim ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C053","A","Each endorsed small loan must have a written note/agreement containing origination, principal, repayment method and cash-redemption cutoff if applicable, termination, fee amount/method, APR, and borrower signature or electronic signature.","S039(1)–(7). \napp.leg.wa.gov"],["S_WA-P17-C054","A","The copy must be provided, or electronically made available, when the borrower executes the note/agreement.","S040. \napp.leg.wa.gov"],["S_WA-P17-C055","A/H","State law requires charge/term information, APR treatment in relevant advertisements, and delivery of applicable disclosures. Its TILA/Regulation Z references do not complete federal coverage, calculation, timing, or remedies.","S017(1)–(4); S111(1)–(2). \napp.leg.wa.gov\n+1"],["S_WA-P17-C056","A","The application-front warning has a minimum type-size requirement. Its required substance is recorded without reproducing a consumer notice or template.","S001, .085; S111(3); Q029. \napp.leg.wa.gov"],["S_WA-P17-C057","A/H","Rights disclosures must be clear and conspicuous; location and internet posting duties are separate. The website rule’s self-reference to subsections “(1) and (2)” is preserved as a drafting issue.","S002, -590–600; S113(1)–(3). \nlawfilesext.leg.wa.gov\n+1"],["S_WA-P17-C058","A/H","WAC -601’s Spanish-language notice provision is explicitly part of the 2010 transition notice. It does not authenticate a general current duty to translate every agreement.","S114, complete section. \napp.leg.wa.gov"],["S_WA-P17-C059","A/H","The statutory rescission right is conditional on timely return of principal in the permitted form and carries no charge. The statute/rule wording and electronic-receipt reference events must be reconciled before any actual deadline conclusion.","S016; S056(11); Q011. \napp.leg.wa.gov\n+1"],["S_WA-P17-C060","A","Rescission requires return of the security/electronic equivalent; the rule provides return or requested destruction and voiding of an ACH authorization that cannot be destroyed. This concerns authorization as well as contract rescission.","S016; S112, rescission paragraph. \napp.leg.wa.gov"],["S_WA-P17-C061","A","The ordinary loan can be paid before its due date without an additional charge; the plan can be paid off at any time without a prepayment penalty, fee, or charge.","S041(5); S015(1); S043(5). \napp.leg.wa.gov\n+1"],["S_WA-P17-C062","H","Those provisions do not supply a universal partial-payment allocation rule or a general unearned-origination-fee rebate formula. Neither is imported from the CLA or student-servicing law.","S041(5), S015(1), S044(5); gap G011."],["S_WA-P17-C063","A","Cash payoff and cash plan payments require an authenticated receipt identifying the payment and whether it relates to the loan or plan. No receipt is generated here.","S116, complete section; S008(1). \napp.leg.wa.gov"],["S_WA-P17-C064","A","Notification that the borrower will be or is unable to pay triggers the lender’s duty to inform the borrower of the installment-plan right.","S015(1); S117. \napp.leg.wa.gov"],["S_WA-P17-C065","A","Conversion is required upon the borrower’s request under the governing provisions. Notice of inability, disclosure of a right, an actual request, and an acknowledged plan are separate events.","S015(1); S042. \napp.leg.wa.gov\n+1"],["S_WA-P17-C066","A/H","The request rule permits a request on or before the due date, with a due-day cutoff and an extension when the loan due date extends. The prohibition rule’s shorter “before” wording is not used to erase the express same-day provision.","S042(1)–(3); S059(1); Q012. \napp.leg.wa.gov\n+1"],["S_WA-P17-C067","A","The plan must be written and acknowledged by both sides. An alternative written plan is permitted only on no-less-favorable terms and without charge.","S015(1); S043(1), (6); S044(1). \napp.leg.wa.gov\n+1"],["S_WA-P17-C068","A/H","The minimum plan periods depend on the amount threshold, but .084 changes from “loan amount” to “loaned amount,” while the rules use other formulations. The fee-inclusive threshold boundary is held.","S015(1); S043(2)–(3); S044(3)–(4); Q013. \napp.leg.wa.gov\n+1"],["S_WA-P17-C069","A/H","Substantial equality, pay-date positioning, spacing, monthly distribution, and the minimum-payment-count language must be read together. The rule allowing mutually agreed fewer payments is not silently treated as eliminating the other rule’s minimum.","S003(12); S043(4); S044(2); Q014–Q015. \napp.leg.wa.gov\n+2"],["S_WA-P17-C070","A/H","The rule states division of plan balance by payment count, subject to reasonable rounding. It supplies no precise rounding algorithm or residual-allocation method.","S044(5); Q016. \napp.leg.wa.gov"],["S_WA-P17-C071","A","Conversion cannot itself generate an additional fee, interest charge, or other charge.","S015(1); S045. \napp.leg.wa.gov"],["S_WA-P17-C072","A","On plan initiation, the original postdated check must be returned or, under the rule at the borrower’s request, destroyed; the original ACH authorization becomes unusable/void under the stated conditions.","S015(2); S052; S058(2). \napp.leg.wa.gov\n+1"],["S_WA-P17-C073","A","The plan may have installment checks limited to the corresponding installment amount, and a new ACH authorization consistent with plan terms may be accepted. An installment-check dishonor alone cannot generate a separate dishonor fee.","S015(3); S053; S058(2). \napp.leg.wa.gov\n+1"],["S_WA-P17-C074","A","Failure to honor a plan entered through the specified accredited third party with certified credit counselors violates the chapter. This does not establish that such an agreement exists.","S015(4). \napp.leg.wa.gov"]]},{"headers":["Claim ID","Status","Atomic proposition and exact boundary","Authority"],"index":5,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-546&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-700&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-549&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-542&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-551&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-543&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-546&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-700&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-549&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-542&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-551&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-543&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}]],"rows":[["Claim ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C075","A","Ordinary-loan default follows the agreement’s payment terms; the database rule separately addresses a stated cutoff time and the absence of one. The plan’s grace provision is not automatically imported into ordinary-loan default.","S003(9); S056(12)(c)(i); Q020. \napp.leg.wa.gov\n+1"],["S_WA-P17-C076","A/H","Plan default uses the statutory ten-day condition. The database rule’s “11th day” with due date zero conflicts with its embedded calendar illustration. No actual default date is derived.","S003(9); S054; S056(12)(c)(ii); Q021. \napp.leg.wa.gov\n+1"],["S_WA-P17-C077","A","“Paid” is conditionally defined around full payment of a valid loan; returned checks and denied ACH authorizations defeat the specified paid status. Initiating a payment is not a determination of debt validity or final banking consequences.","S003(17); S027, “Paid.” \napp.leg.wa.gov\n+1"],["S_WA-P17-C078","A","The ordinary small-loan security permission is one postdated check, with the statutory prohibition on other collateral; permitted disbursement forms are separately stated.","S010(6). \napp.leg.wa.gov"],["S_WA-P17-C079","A","The rule limits checks held from a borrower by the principal/income ceiling plus allowable fees; a returned deposited check is not treated as still “held” for that rule.","S051; Q018. \napp.leg.wa.gov"],["S_WA-P17-C080","A","A small-loan monetary instrument cannot be deposited before the governing due/disclosed date. The check-cashing deposit rule expressly excepts small-loan transactions.","S058(1); S002, -690. \napp.leg.wa.gov\n+1"],["S_WA-P17-C081","A","The returned-item charge is bounded by the sector’s one-time rule and statutory default/returned-check predicate; repeated presentments do not create repeated charges.","S014(1); S048; Q022. \napp.leg.wa.gov\n+1"],["S_WA-P17-C082","A","An installment-plan default may support the specified one-time default charge, distinct from an installment-check dishonor fee.","S015(3); S054; Q023. \napp.leg.wa.gov"],["S_WA-P17-C083","A","The returned-item and installment-default charges together cannot exceed the rule’s lifetime ceiling for the loan.","S048, S054; Q022–Q023. \napp.leg.wa.gov\n+1"],["S_WA-P17-C084","A","No additional fee may be charged for cashing an instrument issued as proceeds of a small loan by the lender or its affiliate.","S055. \napp.leg.wa.gov"],["S_WA-P17-C085","A","The lender cannot threaten criminal prosecution to collect a delinquent small loan or threaten legal action it cannot legally take.","S014(1). \napp.leg.wa.gov"],["S_WA-P17-C086","A","Uninvited collection visits to residence/work and impersonation or suggestion of an official governmental connection are prohibited.","S014(2). \napp.leg.wa.gov"],["S_WA-P17-C087","A","Harassing, intimidating, abusive, or embarrassing communications are prohibited independently of the numerical presumptions. Staying below a presumption threshold is not a safe-harbor finding.","S014(3). \napp.leg.wa.gov"],["S_WA-P17-C088","A/H","Separate presumptions address frequency, employment contact, residence hours, and third-party contact. Their exact counts, recipients, week definition, and unresolved hour endpoints appear in Q026–Q028.","S014(3), (7)–(8). \napp.leg.wa.gov"],["S_WA-P17-C089","A","The statutory communication exclusions cover in-store contact, specified unanswered calls, and an initial FDCPA-disclosure letter. Initiation controls timing; reasonably believed cell-phone calls have the stated workplace-count qualification.","S014(6)–(7). \napp.leg.wa.gov"],["S_WA-P17-C090","A","Initiated telephone/written collection communications require a reviewable log. A response to borrower-initiated contact is treated differently for logging but remains subject to substantive conduct restrictions.","S014(4); S049. \napp.leg.wa.gov"],["S_WA-P17-C091","A/H","Assignment of a dishonored check to a third party carries .082’s restrictions to that collection. This does not decide debt ownership, general assignment authority, servicing capacity, or holder-in-due-course status.","S014(5); S065; gap G014. \napp.leg.wa.gov\n+1"],["S_WA-P17-C092","A","For the specified civil dishonored-check action, .082 allows collection costs as permitted by .515 but excludes that section’s attorneys’ fees, interest, and other damages.","S014(1); S061(a); Q024–Q025. \napp.leg.wa.gov\n+1"],["S_WA-P17-C093","A/H","The incorporated check-cost mechanism has notice and mailing-affidavit predicates and consequences for prohibited demands. Its general notice language cannot be transplanted as permission to threaten criminal prosecution in this sector.","S061–S064; S014(1). \napp.leg.wa.gov\n+2"],["S_WA-P17-C094","A/H","RCW 62A.3-515 excludes a check dishonored because of a justifiable stop-payment order. Determining justification, enforcement standing, missing-instrument rights, or a particular fee combination requires additional law/application and remains held.","S061(a); S065; gaps G013–G014. \napp.leg.wa.gov\n+1"]]},{"headers":["Claim ID","Status","Atomic proposition and exact boundary","Authority"],"index":6,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-610&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.050&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-610&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://lawfilesext.leg.wa.gov/Law/WSR/2005/22/05-22-009.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+2"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.050&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}]],"rows":[["Claim ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C095","A","The ordinary rule requires transaction registration and an authorization number before making the loan; an initial eligibility response is distinct from registered transaction authorization.","S019; S056(1), (6)–(7). \napp.leg.wa.gov\n+1"],["S_WA-P17-C096","A","An ineligibility determination requires delivery of the printable reason message with the specified database-support information. This is a disclosure duty, not proof of any actual database result.","S056(8). \napp.leg.wa.gov"],["S_WA-P17-C097","A/H","The rule refers data-entry mistakes to the system’s administrative-void process. It does not itself supply a complete borrower inspection, correction, or dispute procedure; private vendor instructions were not inspected.","S056(9); gap G015. \napp.leg.wa.gov"],["S_WA-P17-C098","A","The system has confidentiality/security requirements and restricted public disclosure; these duties do not establish a particular financial record or authorize its retrieval.","S019(1), (7); S056(4). \napp.leg.wa.gov\n+1"],["S_WA-P17-C099","A/H","Outage treatment is conditional on the specified temporary or written authorization process and later registration. Exact legal timing is recorded in Q031–Q033; fractional additional outage periods are unresolved.","S056(10); S095. \napp.leg.wa.gov"],["S_WA-P17-C100","A","A rescinded loan is closed as soon as practicable, does not count toward the eight-loan limit, and does not incur the licensee’s database transaction fee.","S056(11). \napp.leg.wa.gov"],["S_WA-P17-C101","A","Paid/default status must be updated as soon as practicable; the rule separately defines payment of a defaulted loan as payment of loaned amount plus the default fee.","S056(12)(a)–(c). \napp.leg.wa.gov"],["S_WA-P17-C102","A/H","Receipt of formal bankruptcy-discharge notice triggers the rule’s specified paid-status/comment treatment and retention in the loan count. This is only a state database duty; no bankruptcy discharge, stay, or liability conclusion is made.","S056(12)(d). \napp.leg.wa.gov"],["S_WA-P17-C103","A","The adopted database charge is a licensee-side per-registration charge, with the rescission exception; nonpayment and training requirements concern database access, not issuance of a lending license.","S056(11), (13)–(15); S095; Q030. \napp.leg.wa.gov\n+1"],["S_WA-P17-C104","A","Ceasing lending or losing the license does not remove the statutory duty to update outstanding loans. The statute and closure rule impose distinct plan/notice events.","S019(3); S110; Q060. \napp.leg.wa.gov\n+1"],["S_WA-P17-C105","A","Retained records include transaction history, reconciliation, payment receipts, agent agreements, and the specified loan-file materials. Retention is distinct from a general borrower right to inspect the entire file.","S008(2); S057(1)–(5); S115; Q054. \napp.leg.wa.gov\n+1"],["S_WA-P17-C106","A","Electronic retention must remain accessible to DFI; previous-day records, ledger posting, and consolidated-location accounting have separate requirements.","S002, -620–650; Q055. \nlawfilesext.leg.wa.gov"],["S_WA-P17-C107","A/H","Written resumption, disposal, and information-security requirements protect retained information. Federal disposal/safeguards incorporations remain held beyond the state text actually read.","S119, S122–S123. \napp.leg.wa.gov\n+2"],["S_WA-P17-C108","A/H","Privacy notices, conditional opt-out treatment, and possible breach notices are expressly addressed, but full Regulation P and chapter 19.255 requirements are not completed.","S120–S121; S109(3). \napp.leg.wa.gov\n+2"],["S_WA-P17-C109","A","Annual financial, assessment, and consolidated reports are continuing duties; expanded loan reporting has its own volume trigger. Reporting bins do not authorize otherwise prohibited loan terms.","S018; S108; Q057–Q058. \napp.leg.wa.gov\n+1"],["S_WA-P17-C110","A","Late-assessment/report provisions distinguish notice, late fees, receipt deadlines, expiration, and discretionary reinstatement.","S007; S124; Q051–Q052. \napp.leg.wa.gov\n+1"],["S_WA-P17-C111","A","Adverse developments, changes in control, data breaches, location changes, and cessation have different notification triggers and periods.","S007(3); S109–S110; Q053, Q059–Q060. \napp.leg.wa.gov\n+1"],["S_WA-P17-C112","A/H","Closing reporting differs for check sellers and other licensees. The statute’s suspension/surrender wording and the rule’s accountant treatment leave a precise reconciliation hold.","S018(2)–(3); S125; S002, -880; Q061. \napp.leg.wa.gov\n+1"]]},{"headers":["Claim ID","Status","Atomic proposition and exact boundary","Authority"],"index":7,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8201&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.180&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.190&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.170&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8201&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[],[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.180&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.190&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.170&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[]],"rows":[["Claim ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C113","A","The chapter prohibits the specified fraudulent/unfair conduct, misleading advertising, unendorsed remote lending, prohibited prepaid-access sale, and failures to pay regulatory obligations. These prohibitions occupy different statutory subsections.","S022(1)–(2). \napp.leg.wa.gov"],["S_WA-P17-C114","A","The rule additionally prohibits over-limit structuring/referrals, specified pressure to decline a plan or borrow more, unauthorized database use, refusal of qualifying plan requests, and evasion. Verification of agent licensing is separately required before accepting/paying referrals.","S059(1)(a)–(l). \napp.leg.wa.gov"],["S_WA-P17-C115","A/H","Any transaction violating RCW 31.45.105(1) is uncollectible and unenforceable under (3). The rule’s express treatment of its remote-lending paragraph does not narrow the statute. No other defect is automatically assigned this consequence.","S022(3); S059(2). \napp.leg.wa.gov\n+1"],["S_WA-P17-C116","A","The director may impose the listed licensing, cease-and-desist, daily-fine, restitution/refund, affirmative-action, and participation-ban sanctions through the statutory process.","S023(2). \napp.leg.wa.gov"],["S_WA-P17-C117","A/H","Charges require the stated grounds, including unsafe practices, violations/conditions, specified falsehoods, nonpayment/security failures, misconduct, nonproduction, and other applicable-law violations. APA procedure and particular adjudication are not completed.","S023(1)(a)–(n), (2)–(4). \napp.leg.wa.gov"],["S_WA-P17-C118","A/H","The chapter’s five-year period is for director actions not subject to RCW 4.16.160. It is not a general borrower limitation or a limitation on every state action.","S023(3); S079; Q064. \napp.leg.wa.gov\n+1"],["S_WA-P17-C119","A/H","Temporary cease-and-desist relief has insolvency/substantial-injury predicates and operates upon service unless judicially set aside; the licensee’s review period is separate.","S001, .120–.140; Q065. Full procedural litigation remains held."],["S_WA-P17-C120","A/H","Possession and receivership powers require their stated statutory grounds. RCW 31.45.160’s incorporation of CLA receivership powers is not a completed receiver or insolvency analysis.","S001, .150–.160; gap G023."],["S_WA-P17-C121","A/H","Violation or participation in violation of the chapter/rules/orders is designated a misdemeanor. The general default punishment statute is conditional; no crime, prosecution, or culpability is determined.","S024; S080; Q066. \napp.leg.wa.gov\n+1"],["S_WA-P17-C122","A","RCW 31.45.190 declares chapter violations to affect the public interest and to be CPA unfair/deceptive acts or unfair methods of competition; it preserves other remedies.","S025; S072; S074. \napp.leg.wa.gov\n+1"],["S_WA-P17-C123","A/H","A private CPA damages claim requires injury to business or property by a covered violation. The statute supplies possible injunction, actual damages, costs, and reasonable attorney fees; an actual award or causal connection is not established.","S073, first paragraph; applicable exceptions S075. \napp.leg.wa.gov"],["S_WA-P17-C124","A/H","CPA enhancement is discretionary and subject to its statutory multiplier/cap language. The exact treatment of the cap relative to an actual award and district-court jurisdiction remains held.","S073; Q068; gap G024. \napp.leg.wa.gov"],["S_WA-P17-C125","A/I","RCW 19.86.170’s permitted-transaction exemption is qualified. Merely holding a regulatory license is not textually the same as establishing that the challenged transaction was permitted.","S075, complete section. \napp.leg.wa.gov"],["S_WA-P17-C126","A","The attorney general’s injunction/restoration authority and civil-penalty structure are public remedies, separate from a borrower’s private damages claim.","S076–S077. \napp.leg.wa.gov\n+1"],["S_WA-P17-C127","A/H","The CPA penalty provisions distinguish an injunction violation, each .020 violation, and an enhanced demographic-targeting/impact penalty; the advertising-medium exception and federal armed-forces definition remain material.","S077; Q069; S098–S099. \napp.leg.wa.gov"],["S_WA-P17-C128","A/H","The CPA private-damages period is four years from accrual, with the specified AG-action suspension and exclusions. Accrual, other tolling, and actual timeliness are not determined.","S078; Q067. \napp.leg.wa.gov"],["S_WA-P17-C129","A","The director may informally settle complaints/enforcement matters except where another statute forbids it; required complaint-contact disclosures do not establish that a complaint was made or that relief follows.","S023(5); S030; S113. \napp.leg.wa.gov\n+1"],["S_WA-P17-C130","I/H","No standalone general nonwaiver clause was identified in the complete core chapters. Express anti-pressure/evasion rules and the no-less-favorable plan condition remain operative. Arbitration, waiver, severability, and contract construction are held.","S001–S002; S043(6); S059; gap G025."]]},{"headers":["Claim ID","Status","Atomic proposition and exact boundary","Authority"],"index":8,"links":[{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1709-S.SL.pdf?cite=2009+c+510+s+3&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5199.SL.pdf?cite=2007+c+81+s+1&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2013-14/Pdf/Bills/Session%20Laws/Senate/6134.SL.pdf?cite=2014+c+36+s+8&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2014/24/14-24-048.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2025/04/25-04-038.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2026/26%2BWSR%2BIndex%2BF.htm?utm_source=chatgpt.com","text":"F\n+1"},{"href":"https://app.leg.wa.gov/billsummary/?billNumber=2361&initiative=False&year=2026&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+4"}],"row_links":[[],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/House/1709-S.SL.pdf?cite=2009+c+510+s+3&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5199.SL.pdf?cite=2007+c+81+s+1&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov\n+1"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2013-14/Pdf/Bills/Session%20Laws/Senate/6134.SL.pdf?cite=2014+c+36+s+8&utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2014/24/14-24-048.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2016/10/16-10-046.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2025/04/25-04-038.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2026/26%2BWSR%2BIndex%2BF.htm?utm_source=chatgpt.com","text":"F\n+1"}],[{"href":"https://app.leg.wa.gov/billsummary/?billNumber=2361&initiative=False&year=2026&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+4"}],[],[]],"rows":[["Claim ID","Status","Atomic proposition and exact boundary","Authority"],["S_WA-P17-C131","A","The 2009 reform replaced the former successive-loan plan structure with the present inability/request structure and added the major aggregate, count, database, and plan protections, effective January 1, 2010.","S082 §§1–10; S092. \nlawfilesext.leg.wa.gov\n+1"],["S_WA-P17-C132","A","The 2007 and 2012 originals explain the remote-lending prohibition and later expansion of .105’s transaction consequence to subsection (1).","S083 §1; S085 §§7–11. \nlawfilesext.leg.wa.gov\n+1"],["S_WA-P17-C133","A","The opened 2014 statutory amendments address sanctions/settlement, confidentiality, and condition reporting; they do not establish a separate small-loan product.","S086 §§7–9. \nlawfilesext.leg.wa.gov"],["S_WA-P17-C134","A","The 2014 permanent rule established the limited-agent structure effective January 1, 2015, including the narrower service role.","S093, complete order. \nlawfilesext.leg.wa.gov"],["S_WA-P17-C135","A","The 2016 permanent rule amended the relevant definitions, plan distribution, due-date/prepayment, database, security/privacy, and closure provisions, effective June 1, 2016.","S094, complete order. \nlawfilesext.leg.wa.gov"],["S_WA-P17-C136","A","WSR 25-04-038 adopted the database fee amendment effective March 1, 2025. A purpose recital mentioning the earlier fee does not displace the amended operative text.","S095, header and -556(11), (13). \nlawfilesext.leg.wa.gov"],["S_WA-P17-C137","A","The 2010 notice and reporting provisions have express historical reference periods. Their continued appearance in codification does not turn them into an evergreen new-loan notice requirement.","S114; S108(3)(b); S082 §10; S092. \napp.leg.wa.gov\n+1"],["S_WA-P17-C138","A/H","Current codification, a 2026 agency index, and the 2026 agenda were checked. The returned index horizon and the agenda’s chapter-number mismatch prevent an unqualified assertion that all later filings or future-effective changes were exhausted.","S101–S102; search log. \nF\n+1"],["S_WA-P17-C139","A/H","The opened bill histories are proposal/status evidence. They do not establish enacted changes to the limits, an EWA framework, or the proposed separate installment product.","S103–S107. \napp.leg.wa.gov\n+4"],["S_WA-P17-C140","H","The major material originals listed below were opened; this is not a complete archival chain. The inaccessible 2013 rule original and specified older/public-record/subpoena originals remain historical holds.","Source/version registers; G002–G003."],["S_WA-P17-C141","H","State references to federal disclosure, electronic-payment, military, privacy, collection, bankruptcy, or other law do not complete those bodies of law or establish their inapplicability.","Incorporation register, G016–G023."]]},{"headers":["Dimension","Authenticated distinction","Consequence of missing classification predicate","Claims"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Dimension","Authenticated distinction","Consequence of missing classification predicate","Claims"],["Chapter 31.45 small loan","Statutory amount/term category; rule aliases include payday/deferred deposit.","A marketing label alone cannot select this chapter.","C001–C005"],["Mere compensated check cashing","Separate regulated activity; incidental non-profit convenience exemption is conditional.","No lending authority follows from a cashing activity or its exemption.","C007, C021–C022"],["Check selling","Separate issuance/sale activity; specified audited-net-worth/agent exemptions; sale-fund trust structure.","The sale exemption/trust cannot be transferred wholesale to small-loan lending.","C008, C037"],["Bank/credit union/trust company","Authorized-in-Washington institutional exemption.","No actual institutional status or federal preemption is established.","C006, C010–C012"],["Lender acting through an agent","Statutory agent-of-licensee/exempt-entity provision remains material.","An exempt principal does not automatically exempt every nonbank participant.","C010"],["Limited small-loan agent","Limited license and authorized service functions.","It is not proof of a funding endorsement or a completed collector qualification.","C028–C030"],["Servicer/collector/assignee","Collection functions and dishonored-check assignment have specific rules.","Full chapter 19.16, standing, debt-sale, and servicing classification remain open.","C029, C090–C094"],["Ordinary CLA credit","Separate chapter; express exclusion for loans made under chapter 31.45.","No CLA fee, allocation, or validity rule is imported into this report.","C013–C014"],["Employer/payroll check","Narrow postdated payroll-check exception.","EWA status, fees, recourse, and provider role remain unclassified.","C016–C017"],["Retail installment sale","Separate definitions and a specific prepaid-access prohibition.","Federal prepaid definitions and other retail exclusions must be completed before a boundary determination.","C015"],["Pawn/title/other secured product","Different category; chapter 31.45 prohibits other collateral.","No conclusion that a different secured product is authorized or exempt.","C018"],["Alternative installment product","Historical proposal identified; no adopted separate framework authenticated in the read core text.","Proposal terms are not current law.","C019, C139"],["License versus endorsement","General license and location-specific small-loan endorsement are separate.","An application, system record, or limited-agent license is not issuance.","C021–C028"],["Consumer charges versus assessments","Loan fees/default charges differ from bonds, DFI assessments, and the database fee.","Regulatory cost does not itself authorize a borrower charge.","C038, C047–C049, C103"],["Ordinary maturity versus plan","Plan conversion has separate rights, duration, instruments, and reborrowing consequences.","Disclosure alone does not establish election or conversion.","C064–C074"],["Returned item versus default","Returned-item and plan-default predicates differ; combined lifetime ceiling applies.","Failed presentment alone does not prove every fee is permitted.","C075–C083"],["Payment authorization versus debt","Return/voiding of an instrument or ACH authority is distinct from loan validity.","No debt-validity or EFTA determination follows from an authorization change.","C060, C072, C077"],["Administrative sanction versus private relief","DFI powers, bond claims, CPA claims, and .105 transaction consequence have separate predicates.","No automatic forgiveness, refund, damages, prosecution, or payment-withholding conclusion.","C115–C129"],["State military protection versus federal military credit law","State definition/protections read; federal incorporation held.","No covered-borrower or federal outcome determination.","C020"]]},{"headers":["Quantity","Exact legal relationship or quantity","Base, frequency, reference event, endpoint, exception, or unknown","Authority / claims"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity","Exact legal relationship or quantity","Base, frequency, reference event, endpoint, exception, or unknown","Authority / claims"],["Q001","𝑂\n≤\nmin\n⁡\n(\n$\n700\n,\n \n0.30\n𝐺\n)\nO≤min($700,0.30G)","Applies to any small loan and aggregate outstanding principal across all licensees, at any one time. Principal excludes fee/interest. Equality is within the ceiling.","S010(2), S035; C039"],["Q002","𝐹\n≤\n0.15\nmin\n⁡\n(\n𝑃\n,\n$\n500\n)\n+\n0.10\nmax\n⁡\n(\n𝑃\n−\n$\n500\n,\n0\n)\nF≤0.15min(P,$500)+0.10max(P−$500,0)","Symbolic restatement of the statutory tiers. Aggregate interest and fees; first tier includes principal through $500; excess tier is strictly above $500. No APR or rounding calculation.","S010(5), S038(1)–(2); C047"],["Q003","Same-licensee aggregate principal above $500 uses the 10% excess tier.","Multiple concurrent loans do not each restart the first tier. Allocation among loans and fractional-cent rounding are not supplied.","S038(3); C048"],["Q004","Income is monthly, before tax/deductions; independent verification at least every 180 days.","Not “six months.” Enumerated/approved substantiation methods apply; intervening written change/no-change information required. No irregular-income conversion formula supplied.","S027, S036(1)–(5); C040–C041"],["Q005","No more than 8 loans in any 12-month period.","All licensees; rescinded loans excluded; formally discharged loans remain in the state database count. Exact timestamp/window/leap-boundary implementation held.","S010(4), S037, S056(11), (12)(d); C042, C100, C102"],["Q006","Due on/after next pay date; if that date is within 7 days, on/after second pay date.","Origination is day zero in -501. -555 says the next pay date more than 7 days away. Exact day-seven reconciliation held.","S010(2), S041(1), S118(6); C044"],["Q007","Maximum ordinary span: 45 days, including weekends/holidays.","Statute measures termination from origination; rule measures due date. Extension requires both parties’ agreement, written under the rule, with no added fee/interest/cost.","S010(2), S041(2); C044"],["Q008","Closed-day due date → next business day; pay date is the later scheduled/credited date.","“Business day” means open at at least one physical location. Interaction with the 45-day rule and online-only operation is held.","S003(3), S041(3)–(4); C045–C046"],["Q009","Default bar: until after full payment or 2 years from loan origination, whichever first.","A new-loan restriction, not forgiveness, limitation, or entitlement to credit.","S010(2), S046; C050"],["Q010","Plan bar: until after full payment or 2 years from plan origination/initiation, whichever first.","Applies when in a plan with any licensee. Different reference event from Q009.","S010(3), S047; C051"],["Q011","Rescission: on/before close of the next business day under statute.","Principal returned in permitted form; no charge. Rule says “before” close and uses actual receipt of proceeds for electronic transactions. Close is earlier of actual originating-location closing or 11:59 p.m. Pacific. Exact boundary reconciliation held.","S016, S027, S056(11); C059–C060"],["Q012","Plan request on/before due date; due-day cutoff is close or written agreed time not earlier than 3 p.m.","Due-date extension extends request opportunity. Rule’s “before” in -8201 does not resolve away -510’s on/before language.","S042; C066"],["Q013","Amount ≤$400: plan ≥90 days; amount >$400: ≥180 days.","Statute switches “loan amount” to defined “loaned amount”; rules say “small loan”/“loan amount.” Fee-inclusive threshold issue held. No maximum plan period authenticated from these minimums.","S015(1), S043(2)–(3), S044(3)–(4); C068"],["Q014","Installments on/after pay dates, ≥14 days apart; -530 requires ≥3 payments.","Substantial equality applies. Relationship with mutually agreed fewer payments in -520 remains held.","S003(12), S044(2); C069"],["Q015","For a 90–180-day plan, at least 1 payment in each month is the stated compliance pattern.","Payments substantially equally distributed; mutually agreed fewer payments allowed by -520(4)(c), subject to the unresolved relationship with -530. “Each month” is not rewritten as every 30 days.","S043(4); C069"],["Q016","Payment amount relation: \n𝐼\n/\n𝑛\nI/n, subject to reasonable rounding.","No rounding direction, precision, or final-payment adjustment algorithm supplied.","S044(5); C070"],["Q017","No additional conversion or prepayment fee/interest/charge; no extra proceeds-cashing fee.","Does not by itself establish a rebate of the original permitted fee or a general partial-payment allocation.","S041(5), S045, S055; C061–C062, C071, C084"],["Q018","Ordinarily 1 postdated check per loan; checks held limited to lower principal ceiling plus allowable fees.","Plan checks have separate treatment. Returned deposited check excluded from “held” under -546. No calculation of a maximum face amount is supplied.","S010(6), S051; C078–C079"],["Q019","Plan check amount ≤ corresponding installment.","Multiple plan checks permitted; no separate dishonor fee merely because one is returned.","S053; C073"],["Q020","Ordinary default at agreement date/time; if no time, first day after due date.","Database classification rule; no inferred grace period for every ordinary loan.","S056(12)(c)(i); C075"],["Q021","Plan default: unpaid within 10 days after scheduled date; database text says 11th day, due date zero.","Embedded calendar illustration conflicts with that numbering. It is neither reproduced nor used for a date result.","S003(9), S054, S056(12)(c)(ii); C076"],["Q022","Returned-item fee ≤$25, one-time for the check regardless of redeposit count.","Statutory default/returned-check predicate still matters. Combined Q022/Q023 ceiling is $25 over the loan’s life.","S014(1), S048; C081, C083"],["Q023","Plan-default fee $25, one-time; combined lifetime ceiling $25.","Requires plan default; not one fee per installment or per dishonor.","S015(3), S054; C082–C083"],["Q024","Incorporated civil collection-cost ceiling: \nmin\n⁡\n(\n$\n40\n,\ncheck face amount\n)\nmin($40,check face amount).","Subject to .515’s unpaid/notice 15-day predicates, instrument-term qualification, enforcement entitlement, and justifiable-stop-payment exclusion; .522/.525 also material. Not automatically additive to every other charge.","S061–S065; C092–C094"],["Q025",".515’s general 12% per annum, attorneys’ fees, and damages of up to the lesser of 3× face amount or $300 are not imported as sector entitlements.","RCW 31.45.082(1) expressly excludes .515 attorneys’ fees, other interest, and damages. These quantities are recorded only to identify the excluded incorporation.","S014(1), S061(a); C092"],["Q026","Harassment presumption: >3 initiated collection communications with borrower/spouse in one week.","Week is 7 consecutive days beginning Sunday. General harassment prohibition remains below the threshold. Statutory exclusions apply.","S014(3)(a), (6)–(8); C087–C089"],["Q027","Workplace presumption: >1 contact in that week, or contact after employer prohibition is communicated.","Reasonably believed cell-phone number has the specific workplace qualification; not a general exemption from all conduct rules.","S014(3)(b), (7)(b); C088–C089"],["Q028","Residence-hour presumption: between 9 p.m. and 7:30 a.m.","Borrower/spouse at residence; initiated time controls. Exact endpoint inclusivity/time-zone construction is not supplied. Third-party contacts have separate listed exceptions.","S014(3)(c)–(d), (7); C088"],["Q029","Front-page warning type ≥12 points.","Applies to the small-loan application warning; no populated application or notice reproduced.","S001, .085; S111(3); C056"],["Q030","Database fee $2 per registered loan; rescinded loan incurs none.","Paid by licensee to database vendor; not a borrower price. Adopted effective March 1, 2025.","S056(11), (13), S095; C103, C136"],["Q031","System availability stated as 24 hours/day, except maintenance/upgrades; scheduled outage notice ≥24 hours.","Public-rule duty, not a finding of actual uptime or notice.","S056(3)(c), (10)(a); C098–C099"],["Q032","Remaining entry after temporary authorization: within 24 hours of obtaining it.","Applies only to the specified temporary-authorization branch. No system action taken.","S056(10)(b)(iii); C099"],["Q033","Authorized-total-outage registration: within 24 hours after availability notification, extended 24 hours for each additional 24-hour outage period if outage exceeds 24 hours.","Written authorization and copies are predicates. Treatment of a fractional additional period is not specified.","S056(10)(c)–(e); C099"],["Q034","Status/plan updates: as soon as practicable.","No invented fixed number of hours. Separate triggers include conversion, rescission, payment, and default.","S042(3), S056(11)–(12); C066, C100–C101"]]},{"headers":["Quantity","Exact legal relationship or quantity","Base, frequency, reference event, endpoint, exception, or unknown","Authority / claims"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity","Exact legal relationship or quantity","Base, frequency, reference event, endpoint, exception, or unknown","Authority / claims"],["Q035","𝐵\n=\n$\n10,000\n+\n$\n1,000\n𝑏\nB=$10,000+$1,000b.","𝑏\nb is endorsed branches beyond one branch. Headquarters/branch counting not assumed.","S032; C032"],["Q036","Statute/-130: net worth >3B; -260: ≥3B.","Equality conflict held. No finding that any entity satisfies either threshold.","S005(5)(e), S028(2), S033(2); C033"],["Q037","Approved deposit/security equals the statutory penal sum; rule CD ≥B.","In-state federally insured institution; assignment/approval predicates. Statutory treatment excludes the deposit from liquid-asset compliance; no general numeric liquidity reserve derived.","S005(5)(e), S033(1); C034"],["Q038","Bond cancellation effective 30 days after director receives notice.","Notice to director and licensee; not 30 days after mailing. Continuous penal sum does not stack across periods.","S005(5)(c); C036"],["Q039","Bond action no later than 1 year after dishonor specified in statute.","Damaged-borrower/valid-claim predicates; exclusive superior-court structure; proportional sharing if claims exceed security. Non-dishonor loan-loss clock held.","S005(5)(d); C035"],["Q040","Licensee reports bond claim within 10 days after receiving claim notice.","Separate from the borrower’s claim period and the cancellation clock.","S002, -230; C036"],["Q041","Net-worth shortfall notice within 10 business days; continued operation requires immediate bond maintained 5 years.","Five years runs from noncompliance; no net-worth substitution accepted during that period.","S033(2); C034"],["Q042","Annual audited statement and supplementary year-to-date statement; 45 days after each quarter closes is the rule’s stated reporting period.","GAAP and minimum statement contents; no invented annual/calendar reconciliation.","S033(3); C034"],["Q043","Charge off debt with any payment ≥6 months past due; exclude unpaid judgment >2 years old.","Net-worth accounting only; appeal time excluded from judgment period; director may approve written exceptions.","S033(4); C034"],["Q044","Issuance/sale exemption: audited net worth ≥$3 million.","Specified corporation/partnership/association and issuance/sale activity; not a general loan cap or lender exemption.","S004(1)(c)–(d); C008"],["Q045","Chapter controlling ownership: ≥10%; corporate change-of-control rule includes acquisition of 50%, board-election control, or policy control.","Different definitions for different functions; noncorporate changes address controlling persons.","S003(8); S109(2); C024, C111"],["Q046","Issuance review: felony-related discretionary window 7 years; comparable suspension/revocation mandatory bar 5 years; industry ban for its specified period.","Reference event is filing present application; statutory association clause also applies.","S006(2)–(3); C024"],["Q047","Limited-agent disclosures: specified gross misdemeanor/felony history 7 years, specified fraud/dishonesty/breach-of-trust/money-laundering felony at any time; annual expiry December 31.","Renewal fee amount not authenticated; changes reported within a reasonable time, not an invented fixed period.","S029(1)(g), (3)–(4); C028"],["Q048","Application financial statement: most recent quarter end; specified civil-litigation history preceding 10 years.","Generic required categories only; no application or identifying information assembled.","S028(1)(e), (3); C023"],["Q049","Small-loan annual-assessment component: volume ≤$1 million → $0; volume >$1 million → $513.95 per licensed location.","Prior calendar year ending December 31; all-location volume. Separate cashing/selling assessments are not converted into loan charges.","S034(1)–(3); C038"],["Q050","Application processing $69 per employee hour + actual expenses; examination/investigation $69 per person hour + actual expenses.","Specified activities; investigation-cost exception where no license required; specialist-cost provisions retain their exceptions. Advances reconcile to actual cost; no quote or computed bill.","S002, -290–310, -350–390; C038"],["Q051","Statutory late fee ≤25%; rule assesses 25%. Receipt by 5 p.m. on the 10th day after due date/April 15, shifted to next DFI-open day if needed. Statutory expiration at 5 p.m. on the 30th day after due date.","Different suspension/late-payment/expiration events preserved. No calendar computed.","S007(1); S124; C110"],["Q052","Possible reinstatement within 20 days after expiration.","Discretionary, with payment, no-business attestation, and investigation predicates.","S007(2); S002, -420; C110"],["Q053","New/closed/moved location notice ≥30 days before change.","Separate from change-of-control and cessation rules.","S007(3); C111"],["Q054","Records ≥2 years after transaction completion under statute; rule states at least 2 years.","No assumption that every retention clock begins at origination, default, charge-off, or the same event. Disposal policy does not negate other applicable holds.","S008(2), S057, S123; C105, C107"],["Q055","Daily reconciliation; ledger posting at least monthly; previous-day records available to DFI within 1 business day of request.","Consolidation allowed across 2 or more locations while keeping separate original-entry books.","S002, -630–650; C106"],["Q056","Information-security evaluation/adjustment at least annually.","Also responsive to circumstances/testing; federal details held.","S119(2)(e); C107"],["Q057","Annual reports on/before April 15 under rule; statute financial report within 105 days after calendar/fiscal year end; differing fiscal-year statement rule retained.","No leap-year/calendar reconciliation or actual filing date calculated.","S018(1), S108(1)–(3); C109"],["Q058","Expanded reporting at loan principal volume ≥$10 million per reporting period.","Term bins: 1–7, 8–14, 15–21, 22–31, and ≥32 days. These are reporting bins, not permitted maturities. Historical 2009/2010 reporting references retained only as such.","S108(3)(b)–(c); C109, C137"],["Q059","Specified adverse-event notice within 5 days; control notice ≥15 days before; DFI breach notice within 45 days.","Breach notice may change based on law-enforcement directives/recommendations; not a complete consumer-breach deadline.","S109(1)–(3); C108, C111"],["Q060","Cessation notice ≥30 days before; statutory database-compliance plan within 10 business days after ceasing loan making.","Distinct duties. Rule’s cessation definition has a reasonable-alternative communication/payment qualification.","S019(3), S110; C104"],["Q061","Closing report/audit within/on-before 105 days, ordinarily covering 12 months.","Reference-event wording differs; non-check-seller rule allows another period specified by director and own-accountant statements. Reconciliation held.","S018(2), S125; C112"],["Q062","Extension request ≥10 days before report due date; correction within 30 days after receipt of rejection.","Good-cause/director-discretion predicates; unaudited acceptance is conditional. No actual extension.","S002, -910–940; C109"],["Q063","DFI fine ≤$100 per day for each day’s violation.","Administrative sanction under the required process; not a borrower fee or automatic private award.","S023(2)(c); C116"],["Q064","Director’s specified actions: 5 years, only when not subject to .160.","State-action exception and its incorporation remain material; not ordinary debt limitations.","S023(3), S079; C118"],["Q065","Licensee may seek specified temporary-order judicial relief within 10 days after service.","Temporary order’s effectiveness on service is separate; full court procedure held.","S001, .120–.130; C119"],["Q066","General misdemeanor default: ≤90 days, ≤$1,000, or both.","Applies where punishment is not otherwise prescribed; no actual offense or sentence determination.","S024, S080; C121"],["Q067","Private CPA damages action: 4 years after accrual.","Suspension during a qualifying AG action based in whole/part on the same matter; excludes AG injunction-penalty actions and AG actions under .090. No actual accrual/tolling result.","S078; C128"],["Q068","CPA discretionary enhancement: statutory up-to-3× language and $25,000 increased-award cap.","No award formula supplied because construction of the cap and jurisdictional incorporation is held.","S073; C124"],["Q069","CPA public penalties: ≤$125,000 for injunction violation; ≤$7,500 each .020 violation; specified enhanced penalty $5,000.","Good-faith/unknowing advertising-medium exception applies to its paragraph. Enhancement concerns demographic targeting/impact, including listed age, race, origin, citizenship/immigration, sex/orientation, disability, religion, veteran/military statuses. Armed-forces incorporation held. AG review due December 1, 2022 and every 5 years thereafter is review/reporting, not automatic inflation adjustment.","S077, S098–S099; C126–C127"],["Q070","Military collection deferral lasts for the duration of combat or combat-support posting.","State military-borrower definition applies; other state protections include service-pay garnishment and chain-of-command restrictions, honoring repayment agreements, and the written off-limits/location condition.","S026(1)–(2); C020"],["Q071","Historical effective/application dates are listed in §5.","Those dates describe legal instruments, not a populated transaction chronology. Superseded numerical examples and operational hardware specifications are not relied on.","C131–C140"]]},{"headers":["History item","Opened adopted authority and read boundary","Material relationship","Effective/application status"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["History item","Opened adopted authority and read boundary","Material relationship","Effective/application status"],["H01","S087, 1991 c355, §§18–24; printed pp.13–15 / PDF indices14–16.","Original enforcement/CPA/final provisions; other original sections not claimed fully read.","§24: January 1, 1992."],["H02","S088, 1995 c18, cover and §§1–2; printed pp.1–2 / indices1–2. Additional ending material inspected separately.","Historical introduction/amendment of small-loan definitions and endorsement framework. Superseded loan quantities not reused.","Cover: July 23, 1995."],["H03","S081, 2003 c86, complete act, §§1–20; printed pp.1–20 / indices1–20.","Major licensing, security, collection, plan, rescission, disclosure, and enforcement revision; §19 repeal separately noted.","General effective date July 27, 2003; §20 makes plan §12 effective October 1, 2003."],["H04","S089, 2005 c256, complete act; §1 printed pp.1–2 / indices1–2.","State military-borrower protections now .210.","July 24, 2005."],["H05","S082, 2009 c510, complete §§1–10; printed pp.1–10 / indices1–10.","§§2–6 revise definitions, caps/counts, plans, warning, database; §1 directs liberal construction for consumer protection. Former four-successive-loan and charge-bearing plan language removed.","§10: January 1, 2010; §9 implementation provision read."],["H06","S083, 2007 c81, complete §1; printed pp.1–2 / indices1–2. S084, 2009 c13, complete §1; printed pp.1–3 / indices1–3.","2007 prohibited-act/remote-lending framework; 2009 collection-communication definitions/exceptions.","July 22, 2007 and July 26, 2009, respectively."],["H07","S085, 2012 c17, complete §§7–11; printed pp.10–16 / indices10–16; cover and terminal §18 also read.","Definitions, multistate system, same-premises rule, prepaid-access prohibition, broader .105(3), sanctions. Other chapters not treated as completed merits.","Cover: June 7, 2012."],["H08","S086, 2014 c36, complete §§7–9; printed pp.10–13 / indices10–13; cover/end read.",".110 settlement, .022 confidentiality, .045 condition reporting.","June 12, 2014."],["H09","S090, WSR05-22-009, header and complete selected rules; exact read ranges in source log.","Plain-language replacement of rules; supports current unchanged licensing/security/application/agreement provisions. Superseded plan rules not imported.","Adopted October 17, 2005; filed October 21; effective November 21, 2005."],["H10","S091, WSR07-23-094, header and selected complete amendments including -470, -5401 and disclosure provisions.","Military/federal incorporation and application/disclosure changes.","Filed November 20, 2007; effective December 21, 2007."],["H11","S092, WSR09-24-089, complete order.","Implements 2009 reform; current caps, count, plan/default, database, disclosures, records and reports; repeals former successive-loan provisions.","Adopted/filed December 1, 2009; effective January 1, 2010."],["H12","S129–S130, WSR13-05-005 attempted original and alternate issue route.","Current codification’s 2013 changes remain readable, including agent/record/prohibition provisions; original authentication failed.","February 6, 2013 filing / March 9, 2013 effectiveness are history-footnote evidence only, not an opened-original finding."],["H13","S093, WSR14-24-048, complete order.","Limited-agent framework; agent service definition no longer treated as blanket funding authority.","Adopted/filed November 25, 2014; effective January 1, 2015."],["H14","S094, WSR16-10-046, complete order.","Due dates/prepayment, plan distribution, database, privacy/security and closure changes; removes obsolete qualifier from default-bar rule.","Adopted/filed April 29, 2016; effective June 1, 2016."],["H15","S095, WSR25-04-038, complete order.","Amends -556(11), (13) to the $2 licensee fee. The earlier proposal is not the operative source.","Adopted/filed January 28, 2025; effective March 1, 2025; proposal notice24-24-103 identified in order."],["H16","S096, 2007 c66, complete §§1–3; printed pp.1–3 / indices1–3.","CPA .080/.090 historical relationship; antitrust merits excluded.","Emergency/immediate clause: April 17, 2007."],["H17","S097, 2009 c371, complete §§1–3; printed pp.1–2 / indices1–2.","Private CPA enhancement and public-interest provision.","July 26, 2009; §3 applies to causes accruing on or after that date."],["H18","S098, 2021 c228, complete §§1–4; printed pp.1–3 / indices1–3. S099, 2024 c256, complete §§1–3, same page/index span.","2021 CPA penalties/state-limitation language; 2024 antitrust amendment leaves the quoted .020 penalty text in the current section.","July 25, 2021 and June 6, 2024. No broader retroactivity conclusion."],["H19","S100, 2024 c249: cover; complete §2(1)–(4) and §5; §2 printed pp.1–3 / indices1–3; §5 printed p.7 / index7.","CLA boundary/anti-evasion material only; no ordinary CLA origination or P16 merits report. A later pagination failure prevents claiming an entirely completed original.","June 6, 2024; §5 prospective, excluding earlier loans unless renegotiated or modified on/after the effective date."],["H20","S101–S107, official 2026 index/agenda and bill histories.","Agenda is not adoption; bills are not session laws; displayed bill history dates are not effective dates.","Bounded currentness only; G001 remains."]]},{"headers":["Record/category","Supplied provenance and exact retained scope","Treatment in this pass"],"index":13,"links":[{"href":"[private conversation omitted]","text":"original chat"}],"row_links":[[],[{"href":"[private conversation omitted]","text":"original chat"}],[],[],[],[],[],[],[]],"rows":[["Record/category","Supplied provenance and exact retained scope","Treatment in this pass"],["P1 consumer/business finding","Response 66d1cb8f-b221-56f7-be60-6bee18e186f2; captured 2026-10-23T06:19:43.276Z; original chat; supplied review path [internal evidence reference]. C002/C005 answered consumer/business purpose for chapter18.28; separate sector/transaction law open.","M. Preserved within that boundary. Not a chapter31.45 classification premise."],["P2 remaining categories","Response d99fa0e7-8427-5177-94a0-d79c611f8e41; captured 2026-10-23T07:23:21.074Z; same supplied chat; review path [internal evidence reference]. Other Washington categories excluded/open; no state/A066 acceptance.","M. Explains remaining scope only; no fee finding imported into small-loan law."],["Coordinator term search","Supplied search of 1,523 P1–P16 atomic researcher claims; P3C096 federal bad-check diversion exclusion and P5C044 wage-payment use of “payday” were the complete hits reviewed.","M. Neither completes this sector. Search metadata does not prove absence of other prose."],["P13/P15/P16","Supplied instruction excludes unreviewed merits as premises. P16 servicing is saved/imported/queued with first whole scoped review pending.","M/X. No P16 CLA/rule merits used as a foundation. Independently opened CLA boundary sections are new evidence only for the narrow distinction stated."],["Stopped P17 remarks","Supplied account of incomplete endorsement/agent/plan/database-fee leads; no completed sources, claims, coverage tables, or END.","M. Leads were not treated as law. All substantive P17 findings above rest on this pass’s opened public sources."],["Earlier provider/fees, limitations, exemptions, secured, housing, utility, medical and servicing components","Retain their supplied provenance and holds.","X. No regeneration or broader acceptance."],["New sector evidence","Sources S001–S125 and S133, within their read bounds; C001–C141.","A/I/H. Distinct focused sector evidence."],["Remaining work","G001–G026 below.","Exact unresolved questions; no claim that excluded or unexamined law is inapplicable."]]},{"headers":["Branch","Missing generic predicate","Supported conditional consequence","Adverse inference or outcome not supported","Exact next generic inquiry"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Missing generic predicate","Supported conditional consequence","Adverse inference or outcome not supported","Exact next generic inquiry"],["B01","Whether the product is a statutory small loan.","If within .010/.073 and not exempt, chapter duties become relevant.","A “payday” or “advance” label proves neither coverage nor evasion.","Complete the competing product’s public definitions and exclusions."],["B02","Whether an institution is authorized in Washington under .020.","The institutional exemption applies if its predicate is met.","No actual authorization/exemption determination.","Generic institutional and preemption law, without entity lookup."],["B03","Whether activity is minor, convenient, and non-profit check cashing.","The narrow activity exemption can apply.","Ordinary cashing does not establish permission to fund loans.","Read any indispensable interpretation of all three conditions."],["B04","Whether an actor funds loans or only performs limited-agent services.","Different license/endorsement provisions govern the functions.","Limited-agent licensing does not prove lender authority.","Reconcile .079 and -135–138 for the generic function at issue."],["B05","Whether collection is licensed, exempt, or otherwise authorized.","The rule’s agent-service exclusion may apply.","No collector status, debt ownership, or authority is established.","Complete chapter19.16’s relevant definitions/exemptions."],["B06","Whether the borrower is physically in Washington.",".105(1)(d)’s territorial prohibition can apply.","Residence elsewhere/inside Washington does not alone resolve all interstate law.","Generic choice-of-law, preemption, and territorial construction."],["B07","Whether a proposed wage-access product is credit and which fees count.","Applicable category law can then be identified.","Payroll-check exception or failed bills do not prove an EWA exemption.","Current adopted EWA/CLA and federal definitions, including fee/recourse treatment."],["B08","Whether exact net worth equals the multiple.","Strict statutory wording and inclusive rule wording conflict at equality.","Equality is not approved by this report.","Official interpretive authority or authorized judicial-construction research."],["B09","Exact statutory principal/income base.","Aggregate cap and tier structure apply to their stated bases.","No qualification, available-credit amount, or quote.","Generic income-period and rounding interpretation."],["B10","Exact rolling-window endpoint convention.","Eight-loan rule applies across licensees; rescission exception remains.","No count/calendar result or ninth-loan conclusion.","Adopted counting interpretation, without database query."],["B11","Pay date exactly on the disputed seventh-day boundary.","The next/second-pay-date provisions must be reconciled.","No favorable earliest-due-date assumption.","Official construction of .073, -501 and -555 together."],["B12","Closed-day extension crossing ordinary maximum term.","Both closed-day and maximum-term provisions remain relevant.","No automatic permission for an extra charged extension.","Generic construction of -501(2)–(3)."],["B13","Timely rescission under differing reference events.","Proper rescission has no-charge/security-return/count consequences.","No actual cancellation or refund entitlement determined.","Reconcile origination, actual proceeds receipt, close, and business-day language."],["B14","Inability notice versus actual plan request.","Notice triggers information; request triggers conversion under governing terms.","A disclosure is not an election, waiver, or plan agreement.","Generic interpretation of request timing and required acknowledgment."],["B15","Whether the plan threshold includes unpaid fees.","Ninety/180-day minimums depend on the correct amount base.","No selection of the shorter period.","Reconcile “loan amount,” “loaned amount,” and “small loan.”"],["B16","Fewer-payment agreement versus minimum-three rule.","Equal/distributed/no-less-favorable conditions remain relevant.","No assumption that two or another count is lawful.","Reconcile -520(4), (6), -530(2), and .010(12)."],["B17","Precise default-day construction.","Statutory grace and database default requirements apply conditionally.","No default declaration, fee permission, or date result.","Resolve the day-zero/text/illustration inconsistency."],["B18","Returned-check fee already charged or plan default established.","Combined lifetime ceiling controls qualifying charges.","A new presentment or installment is not a fresh fee entitlement.","Generic charge characterization under -542/-549."],["B19","Valid debt, authorized payment, and final payment status.","Each has separate statutory consequences.","Failed ACH does not prove fraud; void authorization does not alone void debt.","Complete relevant EFTA/RegE/UCC law for the generic instrument question."],["B20","Civil-check cost predicates and justified stop payment.",".515 costs may be relevant only through .082’s restrictions.","No attorneys’ fee, interest, criminal threat, or automatic collection-cost entitlement.","Complete necessary UCC defenses, notice construction, and standing incorporations."],["B21","Qualifying system outage authorization.","Specified exceptional registration timing may apply.","Inaccessibility alone is not permission to lend outside the ordinary rule.","Interpret the adopted outage clauses and fractional-period treatment."],["B22","Formal bankruptcy-discharge notice.","State database classification/comment/count duty follows if received.","No federal discharge, stay, or surviving-liability determination.","Complete applicable federal bankruptcy law separately."],["B23","A transaction violating .105(1), rather than another defect.","Statutory uncollectibility/unenforceability attaches to that defined class.","No universal void-loan or fee-forfeiture rule.","Resolve the precise prohibited-act predicate and any construction issue."],["B24","Borrower loss caused by a covered violation and valid bond claim.","Bond/deposit remedy may be available within its limits.","No full recovery, priority, or invented non-dishonor deadline.","Construction of .030(5)(b)–(d), including its clock."],["B25","CPA business/property injury, causation, exemption, and applicable version.","Private statutory remedies may be available.","No automatic trebling, attorney-fee award, or timeliness result.","Complete necessary CPA construction and jurisdictional incorporation."],["B26","State military definition/deployment/off-limits predicates.","The corresponding state protection applies conditionally.","No federal covered-borrower status or actual collection stay declared.","Complete MLA/SCRA and protected-party overlaps separately."],["B27","A later adopted/future-effective instrument outside the returned index horizon.","Such an instrument could change prospective treatment.","Failed searches do not prove no amendment.","Ordinary official later-issue/session-law verification within the same bounded question."]]},{"headers":["Public-law question","Candidate statutory category","Generic actor role","Territorial predicate","Express exemption","Operative section","Adopted original","Effective/application clause","Missing incorporation","Construction hold","Supported conditional consequence"],"index":15,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Public-law question","Candidate statutory category","Generic actor role","Territorial predicate","Express exemption","Operative section","Adopted original","Effective/application clause","Missing incorporation","Construction hold","Supported conditional consequence"],["","","","","","","","","","",""],["","","","","","","","","","",""],["","","","","","","","","","",""],["","","","","","","","","","",""],["","","","","","","","","","",""]]},{"headers":["Requested question / material subquestion","Coverage","Evidence / exact remaining boundary"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested question / material subquestion","Coverage","Evidence / exact remaining boundary"],["1 — Actual category/title/aliases","A","C001–C005; full core definitions."],["1 — Natural-person and purpose scope","A/H","C003, C014; no chapter18.28 purpose import."],["1 — Making/funding versus agent functions","A/H","C010, C028–C030; function-specific interpretation remains."],["1 — Servicing/collection/assignment","A/H","C029, C090–C094; full chapter19.16/UCC standing held."],["1 — Mere cashing/selling","A","C007–C008, C021, C037."],["1 — Bank/CU/trust and discretionary exemptions","A/H","C006, C009–C012; actual status and federal preemption excluded."],["1 — Employer wage/EWA","A/H","C016–C017; narrow payroll-check exception; no adopted EWA framework authenticated."],["1 — Ordinary CLA","A/X","C013–C014; boundary sections read afresh; ordinary origination merits excluded."],["1 — Retail installment/prepaid","A/H","C015; federal prepaid definitions blocked."],["1 — Pawn/title/secured","A/H/X","C018; full other-product framework excluded."],["1 — Online/interstate/tribal","A/H","C011–C012; territorial text authenticated, broader jurisdiction held."],["1 — Adopted alternative product","A/H","C019/C139; proposal distinguished, no global negative finding."],["2 — License/endorsement/location/branch","A","C021–C027."],["2 — Limited agent/approval/channel/exemption","A/H","C009–C010, C026, C028–C030."],["2 — Bond/net worth/liquidity","A/H","C031–C037; equality and branch-count holds; no invented reserve."],["2 — Necessary fund/record/report protections","A","C037, C104–C112; sale trust kept separate."],["2 — Operational licensing/vendor investigation","X","No application, account setup, licensing-status, credential, roster, or vendor-policy investigation."],["3 — Principal/income limits","A/H","C039–C041; Q001/Q004; irregular-income/rounding hold."],["3 — Charges/tiering/included bases","A/H","C047–C049; Q002–Q003/Q017/Q022–Q025."],["3 — Due/maturity/minimum-maximum duration","A/H","C044–C046; Q006–Q008; exact boundary holds."],["3 — Multiple loans/refinancing/rollover","A","C042–C043, C048, C050–C052."],["3 — Rolling count/cooling-off/database","A/H","C042, C050–C052, C095–C103; counting and outage holds."],["3 — Symbolic-only quantities","A","Q001–Q071; no substituted financial input, APR, schedule, or calendar."],["4 — Writing/signature/copy/receipt","A","C053–C054, C063, C067; no form generated."],["4 — Charges/terms/disclosures","A/H","C055–C058; federal disclosure completion held."],["4 — Language","A/H","C058; 2010 Spanish notice distinguished from general current language duties."],["4 — Rescission/refund","A/H","C059–C060; exact timing and general rebate gaps."],["4 — Prepayment/partial allocation","A/H","C061–C062."],["4 — Plan notice/request/election/cost/default","A/H","C064–C074; actual election/agreement excluded."],["4 — Reborrowing during plan","A","C051; exact reference event retained."],["5 — Check/security/electronic authorization","A/H","C072–C080; EFTA/RegE/UCC consequences held."],["5 — Presentment/returned item/default fee","A/H","C075–C083; numerical/drafting gaps retained."],["5 — Contacts/threats/criminal process","A","C085–C090; exceptions and presumptions complete."],["5 — Assignment/sale/servicing capacity","A/H","C091–C094; no ownership or full collector-law determination."],["5 — Retention/access/correction/dispute","A/H","C096–C108; supplied rights distinguished from uncompleted general access/dispute law."],["5 — Federal/ordinary collection merits","X/H","FDCPA/RegF/FCRA/bankruptcy/ordinary limitations not rerun; specific state incorporations flagged."],["6 — Prohibitions/nonwaiver","A/H","C113–C115, C130."],["6 — DFI investigation/sanctions/complaints","A/H","C116–C120, C129; full APA/procedure held."],["6 — Bond/private CPA/restitution/damages","A/H","C031–C036, C122–C128; no actual relief."],["6 — Transaction validity","A/H","C115 limited to .105(1) predicate."],["6 — Criminal consequence","A/H","C121; no offense or prosecution finding."],["6 — Judicial construction/cases","H/X","Exact construction questions listed; no case/opinion/docket research."],["7 — Adopted originals/current codification","A/H","H01–H20; source-specific complete/partial bounds."],["7 — Effective/application/savings/transition","A/H","Major clauses read; older chains and 2013 original held."],["7 — Proposal/future/currentness through requested date","A/H","S101–S107; final targeted searches; bounded index limitation remains."],["7 — Federal/military/local/tribal/contract/tax/privacy dependencies","H/X","G016–G025; no unexamined law declared inapplicable."],["8 — Primary browsing/issuer/full URL/pinpoint/read bounds","A","Source register below plus atomic pinpoints and history table."],["8 — Failed-route rule","A/H","Failure log records one materially different route where used; no bypass."],["8 — Snippets/guides/PDF format limitations","A","Search-only material not treated as full authority; parsed PDFs not pixels; duplicate formats not independent support."],["8 — Researcher self-check/acceptance","A/X","§13; no independent-review or broader acceptance conclusion."]]},{"headers":["Source ID","Title / complete actual read bounds / usage","Complete literal HTTPS URL"],"index":17,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45&full=true"},{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.050&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.050"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.060&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.060"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.070&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.070"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.073"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.077&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.077"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.079&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.079"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.084"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.086&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.086"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.088&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.088"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.090"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.093"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.100&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.100"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.103&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.103"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.105"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.110"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.180&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.180"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.190&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.190"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.210&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.210"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45&full=true"}],[{"href":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/WAC/default.aspx?cite=208-630&full=true"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.010"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.020"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.030"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.040&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.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Separate cash/sale components read but not used as loan pricing.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-400"],["S_WA-P17-S035","-461—Loan amount limit, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-461"],["S_WA-P17-S036","-462—Income verification, (1)–(5); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-462"],["S_WA-P17-S037","-463—Loan-count limit, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-463"],["S_WA-P17-S038","-466—Small-loan fees, (1)–(3); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-466"],["S_WA-P17-S039","-490—Note/agreement contents, (1)–(7); R05.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-490"],["S_WA-P17-S040","-500—Agreement copy, complete; R05.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-500"],["S_WA-P17-S041","-501—Due date/prepayment, (1)–(5), including illustration read but not reproduced; R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-501"],["S_WA-P17-S042","-510—Plan request timing, (1)–(3); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-510"],["S_WA-P17-S043","-520—Plan terms, (1)–(6); R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-520"],["S_WA-P17-S044","-530—Plan payment structure, (1)–(5); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-530"],["S_WA-P17-S045","-531—Conversion fees, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-531"],["S_WA-P17-S046","-532—Lending after default, complete; R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-532"],["S_WA-P17-S047","-533—Lending during plan, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-533"],["S_WA-P17-S048","-542—Returned-check fee, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-542"],["S_WA-P17-S049","-543—Collection communication log, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-543"],["S_WA-P17-S050","-544—Refinancing/rollover, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-544"],["S_WA-P17-S051","-546—Checks held, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-546"],["S_WA-P17-S052","-547—Original instrument on plan conversion, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-547"],["S_WA-P17-S053","-548—Installment checks, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-548"],["S_WA-P17-S054","-549—Plan-default fee, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-549"],["S_WA-P17-S055","-551—Cashing loan proceeds, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-551"],["S_WA-P17-S056","-556—Database system, (1)–(15), all subparagraphs; R25. Operational specifications read, not used as directions.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-556"],["S_WA-P17-S057","-610—Accounting/financial records, (1)–(5); R13.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-610"],["S_WA-P17-S058","-700—Presentment/plan authorization, (1)–(2); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-700"],["S_WA-P17-S059","-8201—Prohibited business practices, (1)(a)–(l), (2); R13.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8201"]]},{"headers":["Source ID","Title / read bounds / limited usage","Complete literal HTTPS URL"],"index":19,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-104&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-104"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-522&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-522"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-525&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-525"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-301&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-301"},{"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=31.04.015&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=63.14.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=63.14.010"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.60.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.60.010"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.108.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.108.010"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=48.28&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=48.28&full=true"},{"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://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=4.16.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=4.16.160"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=9.92.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=9.92.030"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-104&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-104"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-522&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-522"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-525&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-525"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-301&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-301"}],[{"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=31.04.015&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=63.14.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=63.14.010"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.60.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.60.010"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.108.010&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.108.010"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=48.28&full=true&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=48.28&full=true"}],[{"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://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=4.16.160&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=4.16.160"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=9.92.030&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=9.92.030"}]],"rows":[["Source ID","Title / read bounds / limited usage","Complete literal HTTPS URL"],["S_WA-P17-S060","RCW62A.3-104—Negotiable instrument, (a)–(j); check-definition incorporation.","https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-104"],["S_WA-P17-S061","62A.3-515—Dishonored checks; charges/remedies, (a)–(b), notes; subject to sector override.","https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-515"],["S_WA-P17-S062","62A.3-520—Notice of dishonor, complete including statutory form; form not reproduced.","https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-520"],["S_WA-P17-S063","62A.3-522—Mailing affidavit, complete including form; no affidavit generated.","https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-522"],["S_WA-P17-S064","62A.3-525—Consequences for noncompliance, complete (1)–(3).","https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-525"],["S_WA-P17-S065","62A.3-301—Person entitled to enforce, complete; further .309/.418 incorporation held.","https://app.leg.wa.gov/rcw/default.aspx?cite=62A.3-301"],["S_WA-P17-S066","31.04.025—CLA application/exemptions, (1)–(7); latest2024c249§2. Used only for category/territory/anti-evasion boundary.","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025"],["S_WA-P17-S067","31.04.015—CLA definitions, (1)–(39), notes; latest2018c62§9. Merits use limited to (14), (16) and preventing cross-chapter imports.","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015"],["S_WA-P17-S068","63.14.010—Retail installment definitions, (1)–(18), notes. Other incorporated retail/lease regimes held.","https://app.leg.wa.gov/rcw/default.aspx?cite=63.14.010"],["S_WA-P17-S069","19.60.010—Pawnbroker/secondhand definitions, (1)–(11); pawn definition only used for boundary.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.60.010"],["S_WA-P17-S070","19.108.010—Trade-secret definitions, (1)–(4); economic-value/secrecy predicate only.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.108.010"],["S_WA-P17-S071","Chapter48.28—Surety insurance, .010–.050 complete; further surplus-lines incorporation held.","https://app.leg.wa.gov/rcw/default.aspx?cite=48.28&full=true"],["S_WA-P17-S072","19.86.020—Unfair/deceptive acts, complete.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.020"],["S_WA-P17-S073","19.86.090—Private civil action/damages, complete body and notes.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.090"],["S_WA-P17-S074","19.86.093—Public-interest effect, complete.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.093"],["S_WA-P17-S075","19.86.170—Exempted transactions/remedies, complete and notes.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.170"],["S_WA-P17-S076","19.86.080—AG action/restoration, complete (1)–(3), notes. Antitrust merits not used.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.080"],["S_WA-P17-S077","19.86.140—Civil penalties, complete body and displayed2021/2024 notes.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.140"],["S_WA-P17-S078","19.86.120—Limitation/tolling, complete body and notes. Motor-vehicle annotation not imported.","https://app.leg.wa.gov/rcw/default.aspx?cite=19.86.120"],["S_WA-P17-S079","4.16.160—State/municipal limitations, complete body and displayed notes; .310 incorporation held.","https://app.leg.wa.gov/rcw/default.aspx?cite=4.16.160"],["S_WA-P17-S080","9.92.030—Misdemeanor default punishment, complete. Historical original not opened.","https://app.leg.wa.gov/rcw/default.aspx?cite=9.92.030"]]},{"headers":["Source ID","Issuer/title/status and complete actual read bounds","Complete literal HTTPS 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Displayed status/history read, including2026 retention; no adopted act authenticated.","https://app2.leg.wa.gov/billsummary?BillNumber=1063&Year=2026"],["S_WA-P17-S106","Legislature, SB5328 EWA bill summary/history. Complete displayed history, including2025 passage in one chamber and2026 Rules X; no enactment authenticated.","https://app.leg.wa.gov/billsummary?BillNumber=5328&Initiative=false&Year=2025"],["S_WA-P17-S107","Legislature, SB5899 small-consumer-installment proposal history. Complete displayed2015–2016 status/history; not an adopted product source.","https://app.leg.wa.gov/billsummary?BillNumber=5899&Initiative=False&Year=2015"]]},{"headers":["Source ID","Section / complete read bounds / currency","Complete literal HTTPS URL"],"index":22,"links":[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-830&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-830"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-836&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-836"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-580&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-580"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-670&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-670"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-555&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-555"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-717&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-717"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-605&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-605"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-606&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-606"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8301&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8301"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-890&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-890"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-830&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-830"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-836&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-836"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-580&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-580"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-670&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-670"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-555&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-555"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-717&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-717"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-605&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-605"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-606&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-606"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8301&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8301"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-890&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-890"}]],"rows":[["Source ID","Section / complete read bounds / currency","Complete literal HTTPS URL"],["S_WA-P17-S108","208-630-830—Annual reporting, (1)–(3), all subparagraphs; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-830"],["S_WA-P17-S109","-835—Significant changes, (1)–(3); R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-835"],["S_WA-P17-S110","-836—Ceasing small-loan business, (1)–(2); R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-836"],["S_WA-P17-S111","-560—Borrower disclosures, (1)–(3); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-560"],["S_WA-P17-S112","-570—Required rights disclosure, complete statutory text read; no template reproduced; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-570"],["S_WA-P17-S113","-580—Posted disclosures, (1)–(3); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-580"],["S_WA-P17-S114","-601—2010 law-change notice, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-601"],["S_WA-P17-S115","-670—Loan-file records, (1)–(2); R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-670"],["S_WA-P17-S116","-505—Cash-payment receipt, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-505"],["S_WA-P17-S117","-506—Inability-to-pay notification duty, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-506"],["S_WA-P17-S118","-555—Database purposes, (1)–(6); R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-555"],["S_WA-P17-S119","-715—Information-security program, (1)–(5); R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-715"],["S_WA-P17-S120","-716—Financial-information privacy, (1)–(3); R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-716"],["S_WA-P17-S121","-717—Compromised-data notice, complete; R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-717"],["S_WA-P17-S122","-605—Business resumption plan, complete; R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-605"],["S_WA-P17-S123","-606—Records disposal, complete; R16.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-606"],["S_WA-P17-S124","-8301—Late annual reports/assessment, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-8301"],["S_WA-P17-S125","-890—Non-check-seller closing report, complete; R09.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-890"]]},{"headers":["Source ID","Issuer/attempted material and usage status","Complete literal HTTPS URL"],"index":23,"links":[{"href":"https://dfi.wa.gov/check-cashers/laws-rules?utm_source=chatgpt.com","text":"https://dfi.wa.gov/check-cashers/laws-rules"},{"href":"https://dfi.wa.gov/agency-rulemaking?utm_source=chatgpt.com","text":"https://dfi.wa.gov/agency-rulemaking"},{"href":"https://dfi.wa.gov/sites/default/files/payday-cr-103.pdf?utm_source=chatgpt.com","text":"https://dfi.wa.gov/sites/default/files/payday-cr-103.pdf"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05-005.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05-005.htm"},{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05.htm"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136"},{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100"},{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021"}],"row_links":[[],[{"href":"https://dfi.wa.gov/check-cashers/laws-rules?utm_source=chatgpt.com","text":"https://dfi.wa.gov/check-cashers/laws-rules"}],[{"href":"https://dfi.wa.gov/agency-rulemaking?utm_source=chatgpt.com","text":"https://dfi.wa.gov/agency-rulemaking"}],[{"href":"https://dfi.wa.gov/sites/default/files/payday-cr-103.pdf?utm_source=chatgpt.com","text":"https://dfi.wa.gov/sites/default/files/payday-cr-103.pdf"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05-005.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05-005.htm"}],[{"href":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05.htm"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136"}],[{"href":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100"}],[{"href":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021"}]],"rows":[["Source ID","Issuer/attempted material and usage status","Complete literal HTTPS URL"],["S_WA-P17-S126","DFI check-casher laws/rules page; 403, no operative body read.","https://dfi.wa.gov/check-cashers/laws-rules"],["S_WA-P17-S127","DFI agency-rulemaking page; 403, no body read.","https://dfi.wa.gov/agency-rulemaking"],["S_WA-P17-S128","DFI payday CR-103 PDF; 403, no PDF read at this route. Same instrument authenticated through S095.","https://dfi.wa.gov/sites/default/files/payday-cr-103.pdf"],["S_WA-P17-S129","Code Reviser WSR13-05-005 original; 400/decoding failure, no operative original read.","https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05-005.htm"],["S_WA-P17-S130","Ordinary official alternate2013 issue route; DisabledError, no original read.","https://lawfilesext.leg.wa.gov/law/wsr/2013/05/13-05.htm"],["S_WA-P17-S131","Individual WAC208-630-136 route inaccessible. Complete section was read through S002 and adopted S093; no repeated individual-route attempt.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136"],["S_WA-P17-S132","eCFR 31CFR1010.100; redirect to access/CAPTCHA wall, no regulation body authenticated.","https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100"],["S_WA-P17-S133","DFI/Code Reviser, WAC208-630-370—Investigation powers, complete (1)–(12) and final paragraph; R05.","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370"],["S_WA-P17-S134","RCW9A.20.021, incidental partial inspection; not relied on for the chapter31.45 misdemeanor consequence. S080 is the used default-punishment source.","https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021"]]},{"headers":["Read group","Actual work completed","Boundary"],"index":24,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Read group","Actual work completed","Boundary"],["R1 — Core codification","S001/S002 chapter bodies read in successive segments; individual sections S003–S059 and S108–S125/S133 used to complete/check relied sections. Late gaps in -340, -370, -380/-390, -470, -610, and -716 were closed.","Complete current core text coverage does not complete every incorporated external law."],["R2 — Definitions/exceptions","S060, S066–S071 read in full sections/chapters stated; RCW31.04.015 completed through definition39.","CLA, retail, pawn, surety, and secrecy material used only for identified boundaries."],["R3 — Check remedies","S061–S065 complete; included stop-payment exception, notice, affidavit, prohibited-demand consequence, and enforcement-person definition.","No forms reproduced; remaining UCC/court-process incorporations held."],["R4 — CPA/criminal bridges","S072–S080 complete operative sections and displayed notes; S134 partial and discarded as a merits source.","No case law or actual enforcement determination."],["R5 — Major sector originals","S081–S086 and S089 read to the complete bounds stated; 2003/2009 pagination holes closed.","Other chapters within omnibus acts not silently covered."],["R6 — Founding/older originals","S087/S088 limited selected sections, cover and ending material.","No claim of an exhaustive original-to-current archival chain."],["R7 — Rule originals","S092–S095 complete; S090/S091 selected complete rules and exact ranges. Remaining2016/2009 line gaps were closed.","S129/S130 failed; 2013 footnote is not opened-original evidence."],["R8 — Remedial/boundary originals","S096–S099 complete; S100 only the complete sections specified.","S100 follow-up fetch failed; no entire-act completion claim."],["R9 — Currentness/proposals","S101 DFI entries; complete S102; complete displayed status/history in S103–S107.","Index/proposals are discovery/status evidence, not operative-law substitutes."],["R10 — Search-only material","Located proposal notices, older rule PDFs, an archive index, an operational assessment page, and incidental unrelated/secondary hits.","Unopened search results and snippets were not used as extensive legal coverage or independent corroboration."],["R11 — Output truncation","An early combined result was truncated; relevant2003/2009 original gaps were later filled by targeted reads.","Truncation was a read-completeness issue, not proof that an authority was unavailable."]]},{"headers":["Search batch","Queries / filter","Result and use"],"index":25,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Search batch","Queries / filter","Result and use"],["D01","site.app.leg.wa.gov RCW 31.45 small loans; site:app.leg.wa.gov WAC 208-630 small loans installment plan","Located official core chapters; complete texts subsequently opened."],["D02","site:dfi.wa.gov \"small loan\" \"2026\"; \"208-630\" \"2026\"; site:leg.wa.gov \"31.45\" \"2026\" payday; recency365","Currentness leads; DFI failures separately logged."],["D03","site:dfi.wa.gov \"208-630\" \"2026\" -\"enforcement-actions\"; site:dfi.wa.gov \"small loan\" \"database\" \"fee\" rulemaking; site:lawfilesext.leg.wa.gov \"208-630\" \"2026\"; site:app.leg.wa.gov \"earned wage\" \"31.04\"","Database-fee, rulemaking and EWA leads. No snippet treated as law."],["D04","site:leg.wa.gov \"earned wage access\" Washington 2025 2026 and site:dfi.wa.gov \"earned wage\" -\"enforcement-actions\" with recency730; site:lawfilesext.leg.wa.gov \"25-04-038\"; DFI rulemaking/check-casher/payday2026 with recency365","Located adopted fee order and EWA proposal histories."],["D05","Official WSR searches for \"25-04-038\", \"16-10-046\", \"09-24-089\", \"14-24-048\"","Opened S092–S095."],["D06","site:dfi.wa.gov \"earned wage\" \"loan\" -\"enforcement-actions\"; site:app.leg.wa.gov \"31.04.025\" \"employer\"; site:lawfilesext.leg.wa.gov \"2026\" \"31.45.073\"; same domain \"2026\" \"small consumer installment\"","Narrow competing-category/currentness discovery."],["D07","Official bill-summary queries for2361/6250/2026; official WSR-agency Financial Institutions2026; \"13-05-005.pdf\"","Bill histories/index; no successful2013 original obtained."],["D08","site:lawfilesext.leg.wa.gov \"05-22-009\"; \"07-23-094\"; \"13-05-005\" \"pdf\"; \"2005\" \"256\" \"31.45.210\"","Opened older rule originals and military statute original; alternate2013 issue route failed."],["D09","site:ecfr.gov \"1010.100\" \"Closed loop prepaid access\"; official2026 \"208-630\" recency365; official bill5899/2015/small-consumer query; official \"31.45\" \"2026\" \"effective\" recency365","eCFR wall; alternative-product history; no later adopted amendment authenticated by these searches."],["D10","site:govinfo.gov \"1010.100\" \"Closed loop prepaid access\" \"2026\"","No results. No alternate federal text authenticated; definition hold retained."],["D11 — Final bounded currentness","site:lawfilesext.leg.wa.gov/law/wsr/2026/ \"208-630\" \"PERMANENT RULES\" recency90; site:lawfilesext.leg.wa.gov/biennium/2025-26/ \"Session Laws\" \"31.45\" recency365; official2026 \"check cashers\" October recency60","Returned agenda/proposal/older-rule/archive material, not a newly authenticated later permanent amendment. This is not proof of absence."]]},{"headers":["Failure","Fresh result","Materially different ordinary official route / disposition"],"index":26,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Failure","Fresh result","Materially different ordinary official route / disposition"],["F01 — S126","DFI laws/rules page returned403.","Official Legislature RCW/WAC bodies opened successfully, S001/S002."],["F02 — S127","DFI rulemaking page returned403.","Official Code Reviser agency index and agenda, S101/S102, opened; limited currentness coverage retained."],["F03 — S128","DFI CR-103 PDF returned403.","Official adopted WSR HTML, S095, read completely. Same instrument, not independent corroboration."],["F04 — S129","2013 original HTML returned400/decoding failure.","One different official issue route, S130, attempted."],["F05 — S130","Alternate2013 issue route returnedDisabledError.","No further route attempt for that original. Current codification remains available; original hold retained."],["F06 — S131","Individual -136 route inaccessible.","Complete chapter route and2014 adopted original already supplied the full section. No identical failed retry."],["F07 — S132","eCFR redirected to an access/CAPTCHA wall.","Ordinary official GovInfo discovery query returned no result. No login, CAPTCHA interaction, hidden endpoint, or bypass; incorporation held."],["F08 — S100 follow-up","Later pagination fetch of already partly read2024c249 PDF returnedUnexpectedStatusCode.","No failed retry. Previously completed §2(1)–(4), §5 and cover retained; no whole-original claim."]]},{"headers":["Gap","Exact unresolved issue","Effect on this report"],"index":27,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Gap","Exact unresolved issue","Effect on this report"],["G001 — Currentness horizon","Returned2026 agency index reached issue19; final targeted searches did not independently authenticate every later filing through the end of October28. Agenda identifies check-casher work using a mismatched208-660 citation.","Official current text is reported as accessed; no exhaustive “no later/future-effective amendment” certification."],["G002 — 2013 rule original","WSR13-05-005 inaccessible through the permitted two ordinary routes.","Current -610/-8201 and related text can be stated; complete2013 original/effective/application authentication remains open."],["G003 — Other historical chains","Unopened2005c274 §§255–257,2011c93§10, various1993/1994/1996/2001 predecessors, external statute originals, and full selected omnibus acts.","No complete archival-chain or historical-transaction conclusion."],["G004 — Net-worth equality","Statute/-130 strict “in excess” versus -260 inclusive “at least.”","No approval at exact equality."],["G005 — Branch counting","Treatment of headquarters in “endorsed branch office beyond one branch.”","No substituted bond amount or location-count determination."],["G006 — Income and rounding","Irregular income periods, annualization, fractional-cent charges, and aggregation allocation are not fully specified in the relied text.","No favorable income/fee computation."],["G007 — Loan-count boundary","Precise timestamps, inclusive start/end treatment, and calendar irregularities for “any twelve-month period.”","No actual count/window result."],["G008 — Due-date construction","Exact seventh-day treatment; closed-day extension relative to45-day limit; online-only “business day” application.","No earliest lawful due date or maturity result."],["G009 — Rescission construction","“On or before” versus “before” close; origination versus actual receipt; physical-location/online business-day interaction.","No actual cancellation deadline or relief finding."],["G010 — Plan structure","Loan amount versus loaned amount; fewer payments versus at least three; substantial equality/distribution; reasonable rounding; request wording.","No plan-duration selection, payment count, schedule, or waiver determination."],["G011 — Partial payment/refunds","No general partial-payment allocation or original-fee rebate formula authenticated in the core provisions.","No CLA/student-servicing formula imported."],["G012 — Default illustration","Day-zero/11th-day text versus embedded calendar illustration.","No actual default date or fee determination."],["G013 — Check-cost combination","Complete construction of .082 with .515–.525, handling/default/civil-cost interactions, justifiable stop payment, and instrument terms.","No cumulative fee or collection entitlement calculation."],["G014 — UCC/collateral/standing","Further62A.3-309/.418(d), defenses, holder/assignment rules, and chapter62A.9A collateral definition/application not completed.","No ownership, valid-security, standing, or enforceable-instrument finding."],["G015 — Database rights/outages","Fractional outage-extension periods; full consumer access/correction/dispute rights; private vendor administrative instructions.","Only the public-rule duties and supplied reason/number rights are stated."],["G016 — Federal disclosure","Full TILA/RegZ coverage, exemptions, calculations, timing, electronic delivery, remedies; old Part226/new Part1026 references.","State disclosure bridge only; no APR or federal violation/consequence."],["G017 — Electronic payments","EFTA/RegE, compulsory-use/authorization/revocation/error rules, and any relevant current federal payday-payment rule.","No electronic-payment permission or dispute instruction."],["G018 — Federal collection/reporting/bankruptcy","Full FDCPA/RegF, FCRA, bankruptcy and discharge law.","State collection/database text does not complete these merits."],["G019 — Territorial/tribal","Tribal authority/immunity, interstate choice of law, resident-outside-state situations, and federal bank/credit-union preemption.","No actual jurisdictional or exemption outcome."],["G020 — Other products","Full EWA, ordinary CLA origination, retail lease exclusions, pawn/title, federal credit-union alternative programs, tax-refund/other special products.","No declaration that those laws are inapplicable; no separate-product report."],["G021 — Federal prepaid definition","31CFR1010.100(ww)/(kkk) not authenticated after access wall and unsuccessful official alternate discovery.",".105(1)(e) remains a conditional statutory prohibition, without a completed prepaid-product classification."],["G022 — Privacy/insurance/tax","GLBA/RegP,16CFR314/682, chapter19.255, full public-records law, surplus-lines/surety law, insurance/tax/unclaimed-property dependencies.","No complete privacy, insurance, tax, breach-notice, or trust-bankruptcy outcome."],["G023 — Administrative/court procedure","Full chapter34.05, RCW36.18.012(3), receiver incorporation from31.04, superior/district/small-claims procedure, RCW4.16.310.","Generic agency powers only; no filing, review, stay, receiver, or limitation strategy."],["G024 — CPA construction","Injury/causation, exemption interpretation, enhancement-cap treatment, district-court amount in3.66.020, accrual/tolling, and10USC101 military definition.","No award, penalty, jurisdiction, timeliness, or protected-status determination."],["G025 — Contract/nonwaiver/local/protected parties","Arbitration, contractual waiver/severability, general contract law, local laws, other protected-party overlays, judicial construction.","No private agreement inspected or adjudicated; express state duties remain stated."],["G026 — Closing reports","Statute’s suspended/revoked versus surrender/revocation clock; audit wording versus non-check-seller own-accountant rule.","No conclusion that an unaudited report satisfies every statutory circumstance."]]},{"headers":["Check","Result"],"index":28,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Same research identity and numbering","S_WA PASS-17 retained; sources S001–S134 and consequential claims C001–C141 assigned within this component."],["Earlier reviewed scope preserved","P1/P2 metadata kept within their exact supplied boundaries; P3/P5 hits not used as state-sector premises; P16 merits not used."],["Operative text versus proposal","Current RCW/WAC and opened adopted originals distinguished from bill histories, agenda, notices, and search snippets."],["Complete relied-section reading","Relied current sections completed; original read bounds and remaining incorporations disclosed individually."],["Quantities","Units, bases, actors, frequencies, reference events, endpoints, exceptions, and construction conflicts recorded in Q001–Q071."],["Financial examples","None; symbolic relations only."],["Borrower rights versus actual exercise","Disclosure, inability notice, request, election, acknowledgment, payment, default, and relief kept distinct."],["Regulatory cost versus borrower charge","Bonds, assessments, examination costs, and the database fee separated from borrower-facing permissions."],["Remedies",".105 transaction consequence, DFI sanctions, bond claims, CPA remedies, and criminal designation not collapsed into automatic relief."],["Access restrictions","Fresh failures and ordinary alternate routes recorded; no access-control bypass."],["PDF/source quality","Parsed text distinguished from pixels; formats of the same instrument not treated as independent corroboration."],["Coverage","Every question1–8 and material subquestion marked authenticated, held, or deliberately excluded."],["Review/acceptance status","This is the researcher’s self-check only. It supplies no independent-review, Washington/dimension6/A066, parent, operational, or publication acceptance."]]}],"claims":[{"claim_id":"S_WA-P17-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C001","Status":"A","Atomic proposition and exact boundary":"The relevant statutory chapter is chapter 31.45 RCW, Check Cashers and Sellers; the implementing chapter is chapter 208-630 WAC, Regulation of Check Cashers and Sellers and Small Loans (Payday Lenders).","Authority":"S001–S002, chapter headings. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C002","Status":"A/I","Atomic proposition and exact boundary":"WAC 208-630-110 equates payday advance, payday, and deferred-deposit loans with the chapter’s small loan. This is an in-chapter definition, not a universal classification of marketed products.","Authority":"S027, definitions; S003(21). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C003","Status":"A","Atomic proposition and exact boundary":"A chapter 31.45 borrower is a natural person receiving a small loan. The definition does not itself impose the consumer-purpose formulation used in other chapters.","Authority":"S003(2), (21). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S003_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C004","Status":"A","Atomic proposition and exact boundary":"“Licensee” includes a check casher or seller, inside or outside Washington, that failed to obtain a required license or endorsement. The definition does not itself establish that a particular activity required one.","Authority":"S003(13). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S003_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C005","Status":"A/H","Atomic proposition and exact boundary":"“Check” incorporates RCW 62A.3-104(f) and, for small-loan business, adds electronic forms of payment. The rule’s “postdated check” definition excludes an electronically submitted promise or order. These are distinct definitions; full UCC instrument consequences remain held.","Authority":"S003(4), S027; S060(a)–(j). \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S003_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C006","Status":"A","Atomic proposition and exact boundary":"Chapter 31.45 does not apply to a financial institution or trust company authorized to do business in Washington. “Financial institution” includes the specified bank, savings, and credit-union categories.","Authority":"S004(1)(a); S003(11). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S003_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C007","Status":"A","Atomic proposition and exact boundary":"The incidental check-cashing exemption requires all three conditions: customer convenience, a minor part of customary business, and no profit from the activity.","Authority":"S004(1)(b). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C008","Status":"A","Atomic proposition and exact boundary":"The audited-net-worth exemption concerns issuance or sale of instruments by the specified entities, and a separate paragraph covers their issuance/sale agents. It is not textually a general small-loan exemption.","Authority":"S004(1)(c)–(d); quantity Q044. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C009","Status":"A","Atomic proposition and exact boundary":"A discretionary exemption requires an application and a director finding that the applicant is not primarily a check-cashing/selling business and that the exemption would not harm the public. Filing is not the exemption.","Authority":"S004(2). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C010","Status":"A/H","Atomic proposition and exact boundary":"A person making small loans as agent for a licensee or exempt entity is subject to RCW 31.45.079’s license-and-endorsement requirement. Its federal-preemption qualification reaches only the provisions actually preempted; preemption is not established here.","Authority":"S012, complete section. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C011","Status":"A","Atomic proposition and exact boundary":"RCW 31.45.105(1)(d) expressly reaches making a small loan to a person physically in Washington through internet, telephone, facsimile, kiosk, or other means without the endorsement.","Authority":"S022(1)(d). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S022_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C012","Status":"H","Atomic proposition and exact boundary":"The physical-location clause and outside-state licensee definition do not complete residence-only, choice-of-law, tribal-jurisdiction, sovereign-immunity, or federal-preemption questions.","Authority":"S003(13), S012, S022(1)(d); gaps G019–G020."},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S003_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C013","Status":"A","Atomic proposition and exact boundary":"RCW 31.04.025(4)(d) separately excludes persons making loans under chapter 31.45 from the Consumer Loan Act. Ordinary CLA credit therefore cannot be merged into this sector solely because it is small or short term.","Authority":"S066(4)(d); S067(14), (16). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C014","Status":"A/I","Atomic proposition and exact boundary":"The CLA’s business-purpose exclusion and its residential-dwelling qualification are chapter-specific. Neither that exclusion nor the supplied chapter 18.28 finding establishes a chapter 31.45 business-purpose exemption.","Authority":"S066(4)(e); S003(2); supplied P1 record. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C015","Status":"A/H","Atomic proposition and exact boundary":"Retail installment sales have separate definitions in RCW 63.14.010. RCW 31.45.105(1)(e) additionally prohibits the specified retail installment sale of open-loop prepaid access. The incorporated federal prepaid definitions were not authenticated because the official route was blocked.","Authority":"S068; S022(1)(e); S132. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S022_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C016","Status":"A","Atomic proposition and exact boundary":"RCW 31.45.070(2)’s government/employer payroll-check exception concerns a check payable on the first banking day after cashing. It is not a general employer wage-advance or earned-wage-access exemption.","Authority":"S009(2). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C017","Status":"H","Atomic proposition and exact boundary":"Classification of earned-wage advances, tips, subscriptions, expedited-access charges, and nonrecourse arrangements is not settled by a marketed label or the payroll-check exception. The opened EWA bill histories do not authenticate an enacted alternative framework.","Authority":"S009; S067(14), (16); S105–S106. \napp2.leg.wa.gov\n+2"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C018","Status":"A/H","Atomic proposition and exact boundary":"A chapter 31.45 small loan cannot take other property, title, or ownership evidence as collateral. Pawnbroking is separately defined and recognized in the same-premises provision; complete pawn/title/secured-credit law is outside this pass.","Authority":"S010(6); S009(1); S069(6). \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C019","Status":"A/H","Atomic proposition and exact boundary":"The complete current chapter reviewed does not establish the separate “small consumer installment loan” framework proposed in the opened 2015 bill history. That history supplies proposal status, not an adopted product or a universal absence finding.","Authority":"S001–S002; S107. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C020","Status":"A/H","Atomic proposition and exact boundary":"RCW 31.45.210 supplies its own military-borrower definition and protections. WAC 208-630-5401 separately incorporates federal military-credit law; the full federal coverage, exclusions, and consequences remain held.","Authority":"S026(1)–(2); S002, -5401; S089, S091. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C021","Status":"A","Atomic proposition and exact boundary":"Unless exempt, check-cashing/selling business requires a license for each location under the statutory licensing structure.","Authority":"S005(1); S002, -120, -140–170. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S005_selected","S033_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C022","Status":"A","Atomic proposition and exact boundary":"Small-loan making requires an endorsement for each lending location; an endorsed lending location may differ from a check-cashing/selling location.","Authority":"S010(1). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C023","Status":"A","Atomic proposition and exact boundary":"The endorsement application is a written application supported by required security and financial information. The rule requires current-quarter GAAP information and specified background information; these are application predicates, not an approval.","Authority":"S011(1)–(3); S028(1)–(6). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C024","Status":"A","Atomic proposition and exact boundary":"Issuance depends on the director’s investigation and findings concerning statutory compliance, financial responsibility, fitness, and security; discretionary and mandatory disqualifications differ.","Authority":"S006(1)–(3); Q046. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C025","Status":"A","Atomic proposition and exact boundary":"The license is nontransferable/nonassignable and must be posted. Continuing status is subject to annual-assessment and expiration provisions; it is not a permanent authorization unaffected by later duties.","Authority":"S006(4)–(5); S007. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C026","Status":"A","Atomic proposition and exact boundary":"RCW 31.45.043 authorizes a multistate application/administration system, and .045 concerns condition reports. A system submission is distinct from issuance of a license or endorsement.","Authority":"S001, .043–.045; S085 §8; S086 §9. \nlawfilesext.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C027","Status":"A","Atomic proposition and exact boundary":"The rules recognize branches and treat staffed or unstaffed terminals/kiosks as locations; placement on an exempt entity’s premises does not itself supply the required authorization.","Authority":"S002, -155–170; S094. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C028","Status":"A","Atomic proposition and exact boundary":"Small-loan agent services have a limited-agent licensing structure under -135–138. The current service list covers marketing, information gathering, documentation, disclosures, and collection subject to the collection qualification.","Authority":"S027; S029–S031; S002, -136; S093. \nlawfilesext.leg.wa.gov\n+2"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C029","Status":"A/H","Atomic proposition and exact boundary":"Endorsed persons and specified persons licensed, exempt, or otherwise authorized to collect under Washington law are excluded from the rule’s agent-services definition. Full chapter 19.16 collector status is not determined.","Authority":"S027; S002, -136; S093–S094. \nlawfilesext.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C030","Status":"A","Atomic proposition and exact boundary":"Limited agents have public-facing nonlender/complaint/privacy disclosures and restrictions on selling nonpublic information to unlicensed recipients; consent concerning uses outside the represented scope is separately required.","Authority":"S030–S031, complete sections. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C031","Status":"A","Atomic proposition and exact boundary":"The small-loan bond secures borrower loss caused by chapter/rule violations, subject to express exclusions for interest, consequential damages, and specified tort liabilities. It is not general liability insurance.","Authority":"S005(5)(b)–(c); S071. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S005_selected","S033_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C032","Status":"A/H","Atomic proposition and exact boundary":"The adopted small-loan bond amount is the base plus the increment for endorsed branches beyond one branch. Whether a headquarters is counted as a branch is not resolved by inventing a counting rule.","Authority":"S032; Q035. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S032_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C033","Status":"A/H","Atomic proposition and exact boundary":"RCW 31.45.030 and WAC -130 use net worth in excess of three times the bond; WAC -260 uses at least three times. Equality is held; the inclusive rule wording is not treated as overriding the statute.","Authority":"S005(5)(e), S028(2), S033(2). \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S005_selected","S033_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C034","Status":"A","Atomic proposition and exact boundary":"A permitted bond alternative requires director approval and continuing financial reporting, asset exclusions, and corrective security duties. Accounting charge-off under that rule does not itself discharge a borrower’s debt.","Authority":"S033(1)–(5); Q037, Q041–Q043. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S005_selected","S033_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C035","Status":"A/H","Atomic proposition and exact boundary":"A borrower damaged by a chapter/rule violation may have a bond/deposit action, subject to exclusive superior-court jurisdiction, the literal dishonor-based period, valid-claim requirements, and proportional sharing if insufficient. The clock for loan injury without a relevant dishonor is held.","Authority":"S005(5)(d); S002, -220. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S005_selected","S033_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C036","Status":"A","Atomic proposition and exact boundary":"The bond is continuous; repeated renewals do not stack penal sums. Cancellation and claim-notification rules have separate reference events.","Authority":"S005(5)(c); S002, -180–230; Q038–Q040. \nlawfilesext.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S005_selected","S033_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C037","Status":"A/I","Atomic proposition and exact boundary":"RCW 31.45.080’s trust-fund structure concerns funds from sales of checks and similar instruments. It is not authority for treating all small-loan proceeds or repayments as the same trust fund or imposing a universal loan liquidity reserve.","Authority":"S013(1)–(3); S002, -950. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C038","Status":"A","Atomic proposition and exact boundary":"Application, examination, annual-assessment, bond, and database amounts are licensee-side obligations. They are distinct from the borrower-facing fee permissions in .073 and the default rules.","Authority":"S034; S002, -290–310, -350–390; S056(13); Q049–Q050. \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C039","Status":"A","Atomic proposition and exact boundary":"The principal limit applies both to an individual small loan and to outstanding principal across all licensees at one time, using the lower of the dollar and gross-income limits.","Authority":"S010(2); S035; Q001. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C040","Status":"A/H","Atomic proposition and exact boundary":"Gross monthly income is total personal income earned during a month before taxes/deductions. The text does not provide a complete irregular-income annualization or rounding algorithm.","Authority":"S027, income definition. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C041","Status":"A","Atomic proposition and exact boundary":"The rule requires income substantiation by enumerated or approved methods, periodic independent verification, and written change/no-change information between verifications.","Authority":"S036(1)–(5); Q004. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C042","Status":"A","Atomic proposition and exact boundary":"The eight-loan restriction is across all licensees in any twelve-month period, not a calendar-year allowance or a separate allowance per lender.","Authority":"S010(4); S037; Q005. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C043","Status":"A","Atomic proposition and exact boundary":"A new small loan cannot pay an existing small loan of the same lender or affiliate, and proceeds cannot be applied to another loan of that lender or affiliate.","Authority":"S050, complete section. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C044","Status":"A/H","Atomic proposition and exact boundary":"Due-date and maximum-term rules operate together, with a no-additional-cost extension exception. The precise seventh-day issue and interaction of a closed-day extension with the maximum term remain held.","Authority":"S010(2); S041(1)–(3); S118(6); Q006–Q008. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C045","Status":"A","Atomic proposition and exact boundary":"For the due-date rule, the relevant pay date is the later of scheduled pay and electronic credit to the account. This is a statutory/rule reference event, not an actual account finding.","Authority":"S041(4). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C046","Status":"A","Atomic proposition and exact boundary":"If the lender is closed on the stated due date, the rule requires automatic extension to its next business day. No calendar result is supplied.","Authority":"S041(3). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C047","Status":"A","Atomic proposition and exact boundary":"The charge ceiling aggregates interest and fees, using the statutory principal tiers; it is not an independently authenticated annual rate or APR ceiling.","Authority":"S010(5); S038(1)–(2); Q002. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C048","Status":"A","Atomic proposition and exact boundary":"Multiple loans by the same licensee cannot restart the higher first-tier percentage above the aggregate-principal threshold at one time.","Authority":"S010(5); S038(3); Q003. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C049","Status":"A/H","Atomic proposition and exact boundary":"The director has rulemaking authority to identify fees outside .073’s limit. That delegation does not itself establish any unlisted fee, insurance charge, subscription, tip, or database-fee pass-through permission.","Authority":"S010(5); S048, S054, S056(13). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C050","Status":"A","Atomic proposition and exact boundary":"The default-related new-loan bar ends at the earlier statutory event: full payment or passage of the specified period from loan origination. It is not a debt-discharge or general limitations rule.","Authority":"S010(2); S046; Q009. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C051","Status":"A","Atomic proposition and exact boundary":"The installment-plan new-loan bar similarly uses payment or the specified period from plan origination/initiation, across licensees.","Authority":"S010(3); S047; Q010. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C052","Status":"I/H","Atomic proposition and exact boundary":"No additional universal post-payment cooling-off interval was authenticated in the complete current core text. The former successive-loan structure cannot be imported as a current waiting period.","Authority":"S001–S002; S082, S092; history H05 below."},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C053","Status":"A","Atomic proposition and exact boundary":"Each endorsed small loan must have a written note/agreement containing origination, principal, repayment method and cash-redemption cutoff if applicable, termination, fee amount/method, APR, and borrower signature or electronic signature.","Authority":"S039(1)–(7). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C054","Status":"A","Atomic proposition and exact boundary":"The copy must be provided, or electronically made available, when the borrower executes the note/agreement.","Authority":"S040. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C055","Status":"A/H","Atomic proposition and exact boundary":"State law requires charge/term information, APR treatment in relevant advertisements, and delivery of applicable disclosures. Its TILA/Regulation Z references do not complete federal coverage, calculation, timing, or remedies.","Authority":"S017(1)–(4); S111(1)–(2). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C056","Status":"A","Atomic proposition and exact boundary":"The application-front warning has a minimum type-size requirement. Its required substance is recorded without reproducing a consumer notice or template.","Authority":"S001, .085; S111(3); Q029. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C057","Status":"A/H","Atomic proposition and exact boundary":"Rights disclosures must be clear and conspicuous; location and internet posting duties are separate. The website rule’s self-reference to subsections “(1) and (2)” is preserved as a drafting issue.","Authority":"S002, -590–600; S113(1)–(3). \nlawfilesext.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C058","Status":"A/H","Atomic proposition and exact boundary":"WAC -601’s Spanish-language notice provision is explicitly part of the 2010 transition notice. It does not authenticate a general current duty to translate every agreement.","Authority":"S114, complete section. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C059","Status":"A/H","Atomic proposition and exact boundary":"The statutory rescission right is conditional on timely return of principal in the permitted form and carries no charge. The statute/rule wording and electronic-receipt reference events must be reconciled before any actual deadline conclusion.","Authority":"S016; S056(11); Q011. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C060","Status":"A","Atomic proposition and exact boundary":"Rescission requires return of the security/electronic equivalent; the rule provides return or requested destruction and voiding of an ACH authorization that cannot be destroyed. This concerns authorization as well as contract rescission.","Authority":"S016; S112, rescission paragraph. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C061","Status":"A","Atomic proposition and exact boundary":"The ordinary loan can be paid before its due date without an additional charge; the plan can be paid off at any time without a prepayment penalty, fee, or charge.","Authority":"S041(5); S015(1); S043(5). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C062","Status":"H","Atomic proposition and exact boundary":"Those provisions do not supply a universal partial-payment allocation rule or a general unearned-origination-fee rebate formula. Neither is imported from the CLA or student-servicing law.","Authority":"S041(5), S015(1), S044(5); gap G011."},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C063","Status":"A","Atomic proposition and exact boundary":"Cash payoff and cash plan payments require an authenticated receipt identifying the payment and whether it relates to the loan or plan. No receipt is generated here.","Authority":"S116, complete section; S008(1). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C064","Status":"A","Atomic proposition and exact boundary":"Notification that the borrower will be or is unable to pay triggers the lender’s duty to inform the borrower of the installment-plan right.","Authority":"S015(1); S117. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C065","Status":"A","Atomic proposition and exact boundary":"Conversion is required upon the borrower’s request under the governing provisions. Notice of inability, disclosure of a right, an actual request, and an acknowledged plan are separate events.","Authority":"S015(1); S042. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C066","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C066","Status":"A/H","Atomic proposition and exact boundary":"The request rule permits a request on or before the due date, with a due-day cutoff and an extension when the loan due date extends. The prohibition rule’s shorter “before” wording is not used to erase the express same-day provision.","Authority":"S042(1)–(3); S059(1); Q012. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C067","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C067","Status":"A","Atomic proposition and exact boundary":"The plan must be written and acknowledged by both sides. An alternative written plan is permitted only on no-less-favorable terms and without charge.","Authority":"S015(1); S043(1), (6); S044(1). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C068","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C068","Status":"A/H","Atomic proposition and exact boundary":"The minimum plan periods depend on the amount threshold, but .084 changes from “loan amount” to “loaned amount,” while the rules use other formulations. The fee-inclusive threshold boundary is held.","Authority":"S015(1); S043(2)–(3); S044(3)–(4); Q013. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C069","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C069","Status":"A/H","Atomic proposition and exact boundary":"Substantial equality, pay-date positioning, spacing, monthly distribution, and the minimum-payment-count language must be read together. The rule allowing mutually agreed fewer payments is not silently treated as eliminating the other rule’s minimum.","Authority":"S003(12); S043(4); S044(2); Q014–Q015. \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C070","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C070","Status":"A/H","Atomic proposition and exact boundary":"The rule states division of plan balance by payment count, subject to reasonable rounding. It supplies no precise rounding algorithm or residual-allocation method.","Authority":"S044(5); Q016. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C071","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C071","Status":"A","Atomic proposition and exact boundary":"Conversion cannot itself generate an additional fee, interest charge, or other charge.","Authority":"S015(1); S045. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C072","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C072","Status":"A","Atomic proposition and exact boundary":"On plan initiation, the original postdated check must be returned or, under the rule at the borrower’s request, destroyed; the original ACH authorization becomes unusable/void under the stated conditions.","Authority":"S015(2); S052; S058(2). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C073","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C073","Status":"A","Atomic proposition and exact boundary":"The plan may have installment checks limited to the corresponding installment amount, and a new ACH authorization consistent with plan terms may be accepted. An installment-check dishonor alone cannot generate a separate dishonor fee.","Authority":"S015(3); S053; S058(2). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C074","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C074","Status":"A","Atomic proposition and exact boundary":"Failure to honor a plan entered through the specified accredited third party with certified credit counselors violates the chapter. This does not establish that such an agreement exists.","Authority":"S015(4). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S015_selected","S043_selected","S044_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C075","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C075","Status":"A","Atomic proposition and exact boundary":"Ordinary-loan default follows the agreement’s payment terms; the database rule separately addresses a stated cutoff time and the absence of one. The plan’s grace provision is not automatically imported into ordinary-loan default.","Authority":"S003(9); S056(12)(c)(i); Q020. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C076","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C076","Status":"A/H","Atomic proposition and exact boundary":"Plan default uses the statutory ten-day condition. The database rule’s “11th day” with due date zero conflicts with its embedded calendar illustration. No actual default date is derived.","Authority":"S003(9); S054; S056(12)(c)(ii); Q021. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C077","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C077","Status":"A","Atomic proposition and exact boundary":"“Paid” is conditionally defined around full payment of a valid loan; returned checks and denied ACH authorizations defeat the specified paid status. Initiating a payment is not a determination of debt validity or final banking consequences.","Authority":"S003(17); S027, “Paid.” \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S003_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C078","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C078","Status":"A","Atomic proposition and exact boundary":"The ordinary small-loan security permission is one postdated check, with the statutory prohibition on other collateral; permitted disbursement forms are separately stated.","Authority":"S010(6). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S010_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C079","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C079","Status":"A","Atomic proposition and exact boundary":"The rule limits checks held from a borrower by the principal/income ceiling plus allowable fees; a returned deposited check is not treated as still “held” for that rule.","Authority":"S051; Q018. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C080","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C080","Status":"A","Atomic proposition and exact boundary":"A small-loan monetary instrument cannot be deposited before the governing due/disclosed date. The check-cashing deposit rule expressly excepts small-loan transactions.","Authority":"S058(1); S002, -690. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C081","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C081","Status":"A","Atomic proposition and exact boundary":"The returned-item charge is bounded by the sector’s one-time rule and statutory default/returned-check predicate; repeated presentments do not create repeated charges.","Authority":"S014(1); S048; Q022. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected","S048_selected","S054_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C082","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C082","Status":"A","Atomic proposition and exact boundary":"An installment-plan default may support the specified one-time default charge, distinct from an installment-check dishonor fee.","Authority":"S015(3); S054; Q023. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected","S048_selected","S054_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C083","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C083","Status":"A","Atomic proposition and exact boundary":"The returned-item and installment-default charges together cannot exceed the rule’s lifetime ceiling for the loan.","Authority":"S048, S054; Q022–Q023. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected","S048_selected","S054_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C084","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C084","Status":"A","Atomic proposition and exact boundary":"No additional fee may be charged for cashing an instrument issued as proceeds of a small loan by the lender or its affiliate.","Authority":"S055. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C085","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C085","Status":"A","Atomic proposition and exact boundary":"The lender cannot threaten criminal prosecution to collect a delinquent small loan or threaten legal action it cannot legally take.","Authority":"S014(1). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C086","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C086","Status":"A","Atomic proposition and exact boundary":"Uninvited collection visits to residence/work and impersonation or suggestion of an official governmental connection are prohibited.","Authority":"S014(2). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C087","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C087","Status":"A","Atomic proposition and exact boundary":"Harassing, intimidating, abusive, or embarrassing communications are prohibited independently of the numerical presumptions. Staying below a presumption threshold is not a safe-harbor finding.","Authority":"S014(3). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C088","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C088","Status":"A/H","Atomic proposition and exact boundary":"Separate presumptions address frequency, employment contact, residence hours, and third-party contact. Their exact counts, recipients, week definition, and unresolved hour endpoints appear in Q026–Q028.","Authority":"S014(3), (7)–(8). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C089","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C089","Status":"A","Atomic proposition and exact boundary":"The statutory communication exclusions cover in-store contact, specified unanswered calls, and an initial FDCPA-disclosure letter. Initiation controls timing; reasonably believed cell-phone calls have the stated workplace-count qualification.","Authority":"S014(6)–(7). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C090","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C090","Status":"A","Atomic proposition and exact boundary":"Initiated telephone/written collection communications require a reviewable log. A response to borrower-initiated contact is treated differently for logging but remains subject to substantive conduct restrictions.","Authority":"S014(4); S049. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C091","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C091","Status":"A/H","Atomic proposition and exact boundary":"Assignment of a dishonored check to a third party carries .082’s restrictions to that collection. This does not decide debt ownership, general assignment authority, servicing capacity, or holder-in-due-course status.","Authority":"S014(5); S065; gap G014. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C092","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C092","Status":"A","Atomic proposition and exact boundary":"For the specified civil dishonored-check action, .082 allows collection costs as permitted by .515 but excludes that section’s attorneys’ fees, interest, and other damages.","Authority":"S014(1); S061(a); Q024–Q025. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C093","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C093","Status":"A/H","Atomic proposition and exact boundary":"The incorporated check-cost mechanism has notice and mailing-affidavit predicates and consequences for prohibited demands. Its general notice language cannot be transplanted as permission to threaten criminal prosecution in this sector.","Authority":"S061–S064; S014(1). \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C094","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C094","Status":"A/H","Atomic proposition and exact boundary":"RCW 62A.3-515 excludes a check dishonored because of a justifiable stop-payment order. Determining justification, enforcement standing, missing-instrument rights, or a particular fee combination requires additional law/application and remains held.","Authority":"S061(a); S065; gaps G013–G014. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S014_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C095","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C095","Status":"A","Atomic proposition and exact boundary":"The ordinary rule requires transaction registration and an authorization number before making the loan; an initial eligibility response is distinct from registered transaction authorization.","Authority":"S019; S056(1), (6)–(7). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C096","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C096","Status":"A","Atomic proposition and exact boundary":"An ineligibility determination requires delivery of the printable reason message with the specified database-support information. This is a disclosure duty, not proof of any actual database result.","Authority":"S056(8). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C097","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C097","Status":"A/H","Atomic proposition and exact boundary":"The rule refers data-entry mistakes to the system’s administrative-void process. It does not itself supply a complete borrower inspection, correction, or dispute procedure; private vendor instructions were not inspected.","Authority":"S056(9); gap G015. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C098","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C098","Status":"A","Atomic proposition and exact boundary":"The system has confidentiality/security requirements and restricted public disclosure; these duties do not establish a particular financial record or authorize its retrieval.","Authority":"S019(1), (7); S056(4). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C099","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C099","Status":"A/H","Atomic proposition and exact boundary":"Outage treatment is conditional on the specified temporary or written authorization process and later registration. Exact legal timing is recorded in Q031–Q033; fractional additional outage periods are unresolved.","Authority":"S056(10); S095. \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C100","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C100","Status":"A","Atomic proposition and exact boundary":"A rescinded loan is closed as soon as practicable, does not count toward the eight-loan limit, and does not incur the licensee’s database transaction fee.","Authority":"S056(11). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C101","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C101","Status":"A","Atomic proposition and exact boundary":"Paid/default status must be updated as soon as practicable; the rule separately defines payment of a defaulted loan as payment of loaned amount plus the default fee.","Authority":"S056(12)(a)–(c). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C102","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C102","Status":"A/H","Atomic proposition and exact boundary":"Receipt of formal bankruptcy-discharge notice triggers the rule’s specified paid-status/comment treatment and retention in the loan count. This is only a state database duty; no bankruptcy discharge, stay, or liability conclusion is made.","Authority":"S056(12)(d). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C103","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C103","Status":"A","Atomic proposition and exact boundary":"The adopted database charge is a licensee-side per-registration charge, with the rescission exception; nonpayment and training requirements concern database access, not issuance of a lending license.","Authority":"S056(11), (13)–(15); S095; Q030. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S056_selected","S095_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C104","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C104","Status":"A","Atomic proposition and exact boundary":"Ceasing lending or losing the license does not remove the statutory duty to update outstanding loans. The statute and closure rule impose distinct plan/notice events.","Authority":"S019(3); S110; Q060. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C105","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C105","Status":"A","Atomic proposition and exact boundary":"Retained records include transaction history, reconciliation, payment receipts, agent agreements, and the specified loan-file materials. Retention is distinct from a general borrower right to inspect the entire file.","Authority":"S008(2); S057(1)–(5); S115; Q054. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C106","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C106","Status":"A","Atomic proposition and exact boundary":"Electronic retention must remain accessible to DFI; previous-day records, ledger posting, and consolidated-location accounting have separate requirements.","Authority":"S002, -620–650; Q055. \nlawfilesext.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C107","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C107","Status":"A/H","Atomic proposition and exact boundary":"Written resumption, disposal, and information-security requirements protect retained information. Federal disposal/safeguards incorporations remain held beyond the state text actually read.","Authority":"S119, S122–S123. \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C108","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C108","Status":"A/H","Atomic proposition and exact boundary":"Privacy notices, conditional opt-out treatment, and possible breach notices are expressly addressed, but full Regulation P and chapter 19.255 requirements are not completed.","Authority":"S120–S121; S109(3). \napp.leg.wa.gov\n+2"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C109","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C109","Status":"A","Atomic proposition and exact boundary":"Annual financial, assessment, and consolidated reports are continuing duties; expanded loan reporting has its own volume trigger. Reporting bins do not authorize otherwise prohibited loan terms.","Authority":"S018; S108; Q057–Q058. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C110","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C110","Status":"A","Atomic proposition and exact boundary":"Late-assessment/report provisions distinguish notice, late fees, receipt deadlines, expiration, and discretionary reinstatement.","Authority":"S007; S124; Q051–Q052. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C111","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C111","Status":"A","Atomic proposition and exact boundary":"Adverse developments, changes in control, data breaches, location changes, and cessation have different notification triggers and periods.","Authority":"S007(3); S109–S110; Q053, Q059–Q060. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C112","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C112","Status":"A/H","Atomic proposition and exact boundary":"Closing reporting differs for check sellers and other licensees. The statute’s suspension/surrender wording and the rule’s accountant treatment leave a precise reconciliation hold.","Authority":"S018(2)–(3); S125; S002, -880; Q061. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C113","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C113","Status":"A","Atomic proposition and exact boundary":"The chapter prohibits the specified fraudulent/unfair conduct, misleading advertising, unendorsed remote lending, prohibited prepaid-access sale, and failures to pay regulatory obligations. These prohibitions occupy different statutory subsections.","Authority":"S022(1)–(2). \napp.leg.wa.gov"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S022_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C114","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C114","Status":"A","Atomic proposition and exact boundary":"The rule additionally prohibits over-limit structuring/referrals, specified pressure to decline a plan or borrow more, unauthorized database use, refusal of qualifying plan requests, and evasion. Verification of agent licensing is separately required before accepting/paying referrals.","Authority":"S059(1)(a)–(l). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C115","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C115","Status":"A/H","Atomic proposition and exact boundary":"Any transaction violating RCW 31.45.105(1) is uncollectible and unenforceable under (3). The rule’s express treatment of its remote-lending paragraph does not narrow the statute. No other defect is automatically assigned this consequence.","Authority":"S022(3); S059(2). \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"selected_primary_clause_comparison_only_nested_otherlaw_history_application_held","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":["S022_selected"],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C116","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C116","Status":"A","Atomic proposition and exact boundary":"The director may impose the listed licensing, cease-and-desist, daily-fine, restitution/refund, affirmative-action, and participation-ban sanctions through the statutory process.","Authority":"S023(2). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C117","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C117","Status":"A/H","Atomic proposition and exact boundary":"Charges require the stated grounds, including unsafe practices, violations/conditions, specified falsehoods, nonpayment/security failures, misconduct, nonproduction, and other applicable-law violations. APA procedure and particular adjudication are not completed.","Authority":"S023(1)(a)–(n), (2)–(4). \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C118","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C118","Status":"A/H","Atomic proposition and exact boundary":"The chapter’s five-year period is for director actions not subject to RCW 4.16.160. It is not a general borrower limitation or a limitation on every state action.","Authority":"S023(3); S079; Q064. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C119","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C119","Status":"A/H","Atomic proposition and exact boundary":"Temporary cease-and-desist relief has insolvency/substantial-injury predicates and operates upon service unless judicially set aside; the licensee’s review period is separate.","Authority":"S001, .120–.140; Q065. Full procedural litigation remains held."},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C120","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C120","Status":"A/H","Atomic proposition and exact boundary":"Possession and receivership powers require their stated statutory grounds. RCW 31.45.160’s incorporation of CLA receivership powers is not a completed receiver or insolvency analysis.","Authority":"S001, .150–.160; gap G023."},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C121","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C121","Status":"A/H","Atomic proposition and exact boundary":"Violation or participation in violation of the chapter/rules/orders is designated a misdemeanor. The general default punishment statute is conditional; no crime, prosecution, or culpability is determined.","Authority":"S024; S080; Q066. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C122","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C122","Status":"A","Atomic proposition and exact boundary":"RCW 31.45.190 declares chapter violations to affect the public interest and to be CPA unfair/deceptive acts or unfair methods of competition; it preserves other remedies.","Authority":"S025; S072; S074. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C123","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C123","Status":"A/H","Atomic proposition and exact boundary":"A private CPA damages claim requires injury to business or property by a covered violation. The statute supplies possible injunction, actual damages, costs, and reasonable attorney fees; an actual award or causal connection is not established.","Authority":"S073, first paragraph; applicable exceptions S075. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C124","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C124","Status":"A/H","Atomic proposition and exact boundary":"CPA enhancement is discretionary and subject to its statutory multiplier/cap language. The exact treatment of the cap relative to an actual award and district-court jurisdiction remains held.","Authority":"S073; Q068; gap G024. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C125","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C125","Status":"A/I","Atomic proposition and exact boundary":"RCW 19.86.170’s permitted-transaction exemption is qualified. Merely holding a regulatory license is not textually the same as establishing that the challenged transaction was permitted.","Authority":"S075, complete section. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C126","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C126","Status":"A","Atomic proposition and exact boundary":"The attorney general’s injunction/restoration authority and civil-penalty structure are public remedies, separate from a borrower’s private damages claim.","Authority":"S076–S077. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C127","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C127","Status":"A/H","Atomic proposition and exact boundary":"The CPA penalty provisions distinguish an injunction violation, each .020 violation, and an enhanced demographic-targeting/impact penalty; the advertising-medium exception and federal armed-forces definition remain material.","Authority":"S077; Q069; S098–S099. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C128","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C128","Status":"A/H","Atomic proposition and exact boundary":"The CPA private-damages period is four years from accrual, with the specified AG-action suspension and exclusions. Accrual, other tolling, and actual timeliness are not determined.","Authority":"S078; Q067. \napp.leg.wa.gov"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C129","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C129","Status":"A","Atomic proposition and exact boundary":"The director may informally settle complaints/enforcement matters except where another statute forbids it; required complaint-contact disclosures do not establish that a complaint was made or that relief follows.","Authority":"S023(5); S030; S113. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"whole_row_read_traced_original_source_attribution_unreopened","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_claim_currentness_or_actual_application_accepted":false}},{"claim_id":"S_WA-P17-C130","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P17-C130","Status":"I/H","Atomic proposition and exact boundary":"No standalone general nonwaiver clause was identified in the complete core chapters. Express anti-pressure/evasion rules and the no-less-favorable plan condition remain operative. 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Latest2003c86§6.","Complete literal HTTPS URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.060"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"researcher_reported","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}},{"source_id":"S_WA-P17-S009","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.070","https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.070&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P17-S009","Title / complete actual read bounds / usage":"31.45.070—Prohibited practices, (1)–(5). 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Latest2003c86§10.","Complete literal HTTPS URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.079"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"researcher_reported","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}},{"source_id":"S_WA-P17-S013","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080","https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P17-S013","Title / complete actual read bounds / usage":"31.45.080—Trust funds/deposits, (1)–(3). Used only for sale-fund distinction.","Complete literal HTTPS URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.080"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"researcher_reported","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}},{"source_id":"S_WA-P17-S014","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082","https://app.leg.wa.gov/rcw/default.aspx?cite=31.45.082&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P17-S014","Title / complete actual read bounds / usage":"31.45.082—Delinquent small loan; collection restrictions, (1)–(8). 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complete cover/§1, printed1–2 / PDF1–2.","Complete literal HTTPS URL":"https://lawfilesext.leg.wa.gov/biennium/2007-08/Pdf/Bills/Session%20Laws/Senate/5199.SL.pdf?cite=2007+c+81+s+1"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"researcher_reported","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}},{"source_id":"S_WA-P17-S084","urls":["https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5164.SL.pdf?cite=2009+c+13+s+1","https://lawfilesext.leg.wa.gov/biennium/2009-10/Pdf/Bills/Session%20Laws/Senate/5164.SL.pdf?cite=2009+c+13+s+1&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P17-S084","Issuer/title/status and complete actual read bounds":"Legislature, 2009c13 / SB5164, adopted; 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Complete section was read through S002 and adopted S093; no repeated individual-route attempt.","Complete literal HTTPS URL":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-136"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"failed_route_recovered_through_named_official_source","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}},{"source_id":"S_WA-P17-S132","urls":["https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100","https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P17-S132","Issuer/attempted material and usage status":"eCFR 31CFR1010.100; redirect to access/CAPTCHA wall, no regulation body authenticated.","Complete literal HTTPS URL":"https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/section-1010.100"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"failed_route_no_body_authenticated","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}},{"source_id":"S_WA-P17-S133","urls":["https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370","https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P17-S133","Issuer/attempted material and usage status":"DFI/Code Reviser, WAC208-630-370—Investigation powers, complete (1)–(12) and final paragraph; R05.","Complete literal HTTPS URL":"https://app.leg.wa.gov/wac/default.aspx?cite=208-630-370"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"researcher_reported","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}},{"source_id":"S_WA-P17-S134","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021","https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P17-S134","Issuer/attempted material and usage status":"RCW9A.20.021, incidental partial inspection; not relied on for the chapter31.45 misdemeanor consequence. S080 is the used default-punishment source.","Complete literal HTTPS URL":"https://app.leg.wa.gov/rcw/default.aspx?cite=9A.20.021"},"coordinator_verification_status":"original_researcher_attribution_unreopened_source_version_and_application_held","source_access_status":"incidental_partial_not_relied","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","source_checks":"[internal evidence reference]","selected_evidence_keys":[],"all_original_limits_retained":true,"entire_regime_or_actual_application_accepted":false}}],"coverage":[{"topic":"1 — Actual category/title/aliases","researcher_record":{"Requested question / material subquestion":"1 — Actual category/title/aliases","Coverage":"A","Evidence / exact remaining boundary":"C001–C005; full core definitions."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; 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not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"1 — Servicing/collection/assignment","researcher_record":{"Requested question / material subquestion":"1 — Servicing/collection/assignment","Coverage":"A/H","Evidence / exact remaining boundary":"C029, C090–C094; full chapter19.16/UCC standing held."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"1 — Mere cashing/selling","researcher_record":{"Requested question / material subquestion":"1 — Mere cashing/selling","Coverage":"A","Evidence / exact remaining boundary":"C007–C008, C021, C037."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"1 — Bank/CU/trust and discretionary exemptions","researcher_record":{"Requested question / material subquestion":"1 — Bank/CU/trust and discretionary exemptions","Coverage":"A/H","Evidence / exact remaining boundary":"C006, C009–C012; actual status and federal preemption excluded."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"1 — Employer wage/EWA","researcher_record":{"Requested question / material subquestion":"1 — Employer wage/EWA","Coverage":"A/H","Evidence / exact remaining boundary":"C016–C017; narrow payroll-check exception; no adopted EWA framework authenticated."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; 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not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"1 — Adopted alternative product","researcher_record":{"Requested question / material subquestion":"1 — Adopted alternative product","Coverage":"A/H","Evidence / exact remaining boundary":"C019/C139; proposal distinguished, no global negative finding."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"2 — License/endorsement/location/branch","researcher_record":{"Requested question / material subquestion":"2 — License/endorsement/location/branch","Coverage":"A","Evidence / exact remaining boundary":"C021–C027."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"2 — Limited agent/approval/channel/exemption","researcher_record":{"Requested question / material subquestion":"2 — Limited agent/approval/channel/exemption","Coverage":"A/H","Evidence / exact remaining boundary":"C009–C010, C026, C028–C030."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"2 — Bond/net worth/liquidity","researcher_record":{"Requested question / material subquestion":"2 — Bond/net worth/liquidity","Coverage":"A/H","Evidence / exact remaining boundary":"C031–C037; equality and branch-count holds; no invented reserve."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; 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not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"3 — Principal/income limits","researcher_record":{"Requested question / material subquestion":"3 — Principal/income limits","Coverage":"A/H","Evidence / exact remaining boundary":"C039–C041; Q001/Q004; irregular-income/rounding hold."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"3 — Charges/tiering/included bases","researcher_record":{"Requested question / material subquestion":"3 — Charges/tiering/included bases","Coverage":"A/H","Evidence / exact remaining boundary":"C047–C049; Q002–Q003/Q017/Q022–Q025."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"3 — Due/maturity/minimum-maximum duration","researcher_record":{"Requested question / material subquestion":"3 — Due/maturity/minimum-maximum duration","Coverage":"A/H","Evidence / exact remaining boundary":"C044–C046; Q006–Q008; exact boundary holds."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"3 — Multiple loans/refinancing/rollover","researcher_record":{"Requested question / material subquestion":"3 — Multiple loans/refinancing/rollover","Coverage":"A","Evidence / exact remaining boundary":"C042–C043, C048, C050–C052."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; 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not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"4 — Writing/signature/copy/receipt","researcher_record":{"Requested question / material subquestion":"4 — Writing/signature/copy/receipt","Coverage":"A","Evidence / exact remaining boundary":"C053–C054, C063, C067; no form generated."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"4 — Charges/terms/disclosures","researcher_record":{"Requested question / material subquestion":"4 — Charges/terms/disclosures","Coverage":"A/H","Evidence / exact remaining boundary":"C055–C058; federal disclosure completion held."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"4 — Language","researcher_record":{"Requested question / material subquestion":"4 — Language","Coverage":"A/H","Evidence / exact remaining boundary":"C058; 2010 Spanish notice distinguished from general current language duties."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"4 — Rescission/refund","researcher_record":{"Requested question / material subquestion":"4 — Rescission/refund","Coverage":"A/H","Evidence / exact remaining boundary":"C059–C060; exact timing and general rebate gaps."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"4 — Prepayment/partial allocation","researcher_record":{"Requested question / material subquestion":"4 — Prepayment/partial allocation","Coverage":"A/H","Evidence / exact remaining boundary":"C061–C062."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"4 — Plan notice/request/election/cost/default","researcher_record":{"Requested question / material subquestion":"4 — Plan notice/request/election/cost/default","Coverage":"A/H","Evidence / exact remaining boundary":"C064–C074; actual election/agreement excluded."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"4 — Reborrowing during plan","researcher_record":{"Requested question / material subquestion":"4 — Reborrowing during plan","Coverage":"A","Evidence / exact remaining boundary":"C051; exact reference event retained."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"5 — Check/security/electronic authorization","researcher_record":{"Requested question / material subquestion":"5 — Check/security/electronic authorization","Coverage":"A/H","Evidence / exact remaining boundary":"C072–C080; EFTA/RegE/UCC consequences held."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; 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final targeted searches; bounded index limitation remains."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"7 — Federal/military/local/tribal/contract/tax/privacy dependencies","researcher_record":{"Requested question / material subquestion":"7 — Federal/military/local/tribal/contract/tax/privacy dependencies","Coverage":"H/X","Evidence / exact remaining boundary":"G016–G025; no unexamined law declared inapplicable."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; not independent","review":"[internal evidence reference]","all_original_missing_evidence_retained":true,"parent_assignment_complete":false}},{"topic":"8 — Primary browsing/issuer/full URL/pinpoint/read bounds","researcher_record":{"Requested question / material subquestion":"8 — Primary browsing/issuer/full URL/pinpoint/read bounds","Coverage":"A","Evidence / exact remaining boundary":"Source register below plus atomic pinpoints and history table."},"raw_table_index":16,"coordinator_acceptance":"scoped_partial_not_accepted","coordinator_review":{"at":"2026-10-29T10:33:21.275564+00:00","identity":"delegated coordinator /root/review_wv1; 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