{"meta":{"key":"s_wa--pass-18-limited-01","task":"S_WA","title":"Two bounded source corrections","parent_title":"Washington debt and debt relief law","edition":"pass-18-limited-01","path":"/research/s_wa--pass-18-limited-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-29","tables":7,"claims":2,"sources":4,"review_status":"scoped_two_material_patches_resolved_all_other_holds_preserved","review_complete":true,"sha256":"24663084431681de315cdfae41fc7c79755d71383d36c99db352f832baad3cff","headings":["Two bounded source corrections","1. Exact replacement claim table","2. Necessary cross-reference patch table","3. Fresh source and usage table","4. Version and application limits","5. Coverage and gap-preservation table","6. Actual read, search and failure log","7. 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-18-limited-01","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":[]},"scope":"","pending_corrections":0},"markdown":"# SettleADebt S_WA PASS-18 LIMITED-01\n\n## Two bounded source corrections\n\n**Fresh source-access date:** October 28, 2026, America/Los_Angeles.\n\nFresh readings confirm both corrections: **C085’s consequence is located in RCW 31.04.035(2)(b)**, and **C094’s cost category is prosecution of chapter violations under RCW 31.04.205(2)**. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com)\n\nThis overlay replaces only the two claim texts and the necessary matching cross-references identified below. All other P18 findings, versions, original provenance and **H01–H21** remain unchanged. Supplemental source IDs identify this overlay’s readings and do not renumber the original P18 sources.\n\n## 1. Exact replacement claim table\n\n| Retained claim ID | Exact replacement text | Correct authority and preserved qualification |\n| --- | --- | --- |\n| **S_WA-P18-C085** | **For an applicable transaction violating the required-license provision in RCW 31.04.035(1), RCW 31.04.035(2)(b) expressly makes a loan that is not a residential mortgage loan null, void, uncollectable and unenforceable.** | Current **RCW 31.04.035(1), (2)(b)**; 2024 c 249 **§4**, subject to **§5**. “Applicable” retains the existing coverage, required-license-violation, loan-category, prospective-application and same-day-construction holds. Sources L01-S001 and L01-S003 below. [app.leg.wa.gov+1](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com) |\n| **S_WA-P18-C094** | **Sanction procedures distinguish consent, nonappearance and a hearing with a preponderance showing; RCW 31.04.205(2) permits the director to recover the state’s costs and expenses of prosecuting violations of chapter 31.04 RCW, including administrative-hearing preparation and attendance time for staff and reasonable attorneys’ fees, except when the director determines after a hearing that no violation occurred.** | **RCW 31.04.205(1)–(2)**. The supplied first clause is preserved verbatim; only the cost portion is corrected. Source L01-S004 below. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com) |\n\n## 2. Necessary cross-reference patch table\n\nThe supplied excerpt identifies C085 and C094 exactly. Additional P18 table cells or row identifiers are not supplied, so the propagation instructions below are **content-qualified corrections**, not a claim that unseen rows were inspected.\n\n| Target | Exact bounded patch | Boundary |\n| --- | --- | --- |\n| **C085 pinpoint** | Replace **“RCW 31.04.035(3)”** or **“.035(3)”** with **“RCW 31.04.035(2)(b)”** wherever the citation supports this same non-residential-mortgage-loan invalidity proposition. | Do not perform an unconditional replacement of every reference to subsection (3). |\n| **Source/claim/coverage/branch cells repeating C085’s erroneous pinpoint** | Correct the consequence locator to **(2)(b)**; retain **(1)** as its required-license-violation predicate and **2024 c 249 §5** as its application qualification. | No enlargement to every licensing, fee, disclosure, servicing or other defect. |\n| **Residential-mortgage fee distinction** | Keep the separate locator **31.04.035(2)(a)** for the origination-fee refund provision, which excludes interest. | This is not the locator or category for C085. |\n| **Actual subsection (3) references** | Leave accurate references to **31.04.035(3)** intact. That subsection concerns the director’s 2018-act duties and their subjection to that act’s §21. | No new merits finding about the 2018 incorporation. |\n| **C094 cost-category references** | Replace **“examination/investigation-cost recovery”**, when attributed to **31.04.205(2)**, with **“recovery of the state’s costs and expenses of prosecuting chapter violations.”** Retain the after-hearing no-violation exception. | This correction does not establish a general examination or investigation cost rule. |\n| **Separately sourced examination/investigation propositions** | No correction is specified merely because they use those words. | Their independent authorities and existing holds are outside this overlay. |\n\nThe subdivision distinctions are visible in both the current .035 body and the adopted §4; the cost-category correction follows the complete current .205 body. [app.leg.wa.gov+2](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com)\n\n## 3. Fresh source and usage table\n\nFor compact cross-references, **L01-S001** means **S_WA-P18-LIMITED-01-S001**, and similarly for the other rows.\n\n| Supplemental source ID | Issuer, title and complete literal HTTPS URL | Actual read bounds and status | Bounded use |\n| --- | --- | --- | --- |\n| **S_WA-P18-LIMITED-01-S001** | Washington Legislature/Code Reviser, **RCW 31.04.035 — License required—When violation occurs**. [https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com) | Successfully opened. Complete operative **(1), (2)(a)–(b), (3)** read, rendered lines **133–140**; history and displayed notes at **141–148** also read. Current official codified body as accessed. | Correct C085’s pinpoint and preserve the neighboring category and subsection distinctions. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com) |\n| **S_WA-P18-LIMITED-01-S002** | Washington Legislature, requested PDF of **2024 chapter 249, Substitute Senate Bill 6025 — Consumer Loans—Various Provisions**. [https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4](https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4) | **Failed:** retrieval reported an internal error and that the URL was inaccessible through the browsing tool. No complete PDF body or page image was obtained. | Failure record only. The supplied cover/index 0, §4 printed pp.6–7/indexes 6–7 and §5 printed p.7/index 7 are **not newly verified pagination** in this overlay. |\n| **S_WA-P18-LIMITED-01-S003** | Washington Legislature, official HTML session-law version of **2024 chapter 249, Substitute Senate Bill 6025 — Consumer Loans—Various Provisions**. [https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm](https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com) | Successfully opened after discovery through public search. Read the instrument identification/effective-date heading, rendered lines **0–12**; complete **§4**, lines **127–134**, including all amended .035 subdivisions; and complete **§5**, line **136**. | Authenticate the adopted amendment, its unchanged neighboring clauses and its prospective-application provision. Other sections returned on the page are not credited as a renewed CLA investigation. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com) |\n| **S_WA-P18-LIMITED-01-S004** | Washington Legislature/Code Reviser, **RCW 31.04.205 — Enforcement of chapter—Director’s discretion—Hearing—Sanctions—Recovery of costs**. [https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com) | Successfully opened. Complete operative **(1)–(2)** read, rendered lines **132–134**; history footnote at **136** also read. Current official codified body as accessed. | Preserve C094’s first component and correct its cost category and exception. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com) |\n\nThe HTML and requested PDF are formats of the **same adopted instrument**. They are not independent corroborating enactments. No PDF text-versus-pixels equivalence is asserted.\n\n## 4. Version and application limits\n\n| Item | Freshly authenticated relationship | Limit preserved |\n| --- | --- | --- |\n| **2024 enactment identity and effective date** | The opened official session-law HTML identifies **chapter 249, Laws of 2024**, with an effective date of **June 6, 2024**. | This is a legal effective-date constant, not an actual transaction date. |\n| **§4 amendment location** | Section 4 places the amended non-residential-mortgage-loan consequence in **.035(2)(b)**. Its displayed amendment replaces the former nonresidential fee/interest-refund language in that subdivision. | No historical loan consequence is determined. |\n| **Neighboring clauses** | Section 4 retains the separate **(2)(a)** residential-origination fee provision and **(3)** director-duty incorporation. | Neither is substituted for the corrected C085 locator. |\n| **§5 application** | The act applies prospectively. Its changes are not to be applied to loans issued before the effective date unless renegotiated or modified after that date. | The existing same-day-construction hold remains; this overlay does not resolve the boundaries of “prior to” or “after” through a hypothetical. |\n| **Current .205 history** | The current page displays **2015 c 229 §30** and **2001 c 81 §16** in its history. | Those original acts were not opened in this limited pass. A history footnote is not an original-act reading. |\n| **Currentness** | The two requested current RCW bodies and the material adopted-original sections were freshly accessed. | No all-history or no-later-amendment certification; no broader currentness search was conducted. |\n\nThe first four rows rest on the opened adopted original, including its complete §5. [lawfilesext.leg.wa.gov](https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com) The .205 history limitation follows the current page’s displayed footnote. [app.leg.wa.gov](https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com)\n\n## 5. Coverage and gap-preservation table\n\n| Component or retained gap | LIMITED-01 treatment | Resulting boundary |\n| --- | --- | --- |\n| **C085 source-location error** | Corrected to **31.04.035(2)(b)**. | The error is repaired without broadening its predicate. |\n| **Required-license violation** | Preserved through explicit reference to **.035(1)**. | A different defect is not declared sufficient. |\n| **Coverage and loan category** | Existing P18 coverage/exemption/category holds remain. | No actual activity, actor or loan is classified. |\n| **Prospective application** | Complete 2024 §5 freshly read and retained. | No retroactive or actual-application conclusion. |\n| **Same-day construction** | Expressly preserved. | No additional interpretation or factual date supplied. |\n| **Older-rule/later-statute comparison** | Unchanged. | No older WAC consequence is transplanted over the statute or newly reconciled here. |\n| **C094 first component** | Supplied consent/nonappearance/hearing/preponderance clause preserved and checked against complete **(1)**. | No expanded hearing or sanction procedure. |\n| **C094 cost component** | Corrected under **(2)**, including discretion and the stated exception. | No actual cost liability or recovery determined. |\n| **Examination/assessment administration** | Excluded from this correction. | No licensing-assessment, examination-fee or investigation-cost program investigated. |\n| **APA and other procedural incorporations** | Existing holds unchanged. | No complete APA or administrative-litigation coverage claimed. |\n| **H01–H21** | Retained as written, without renumbering, rewriting, supplementation or claimed resolution. | Their full descriptions are not invented from the limited excerpt. |\n| **Other P18 findings and provenance** | Unchanged except for this expressly bounded correction overlay. | No replacement of the original report’s actual provenance. |\n| **P19 and other sector reports** | Outside this patch. | No property-tax, payday, student, mortgage or statewide rerun. |\n\n## 6. Actual read, search and failure log\n\n| Sequence | Actual action | Result |\n| --- | --- | --- |\n| **R01** | Opened the supplied current **31.04.035** URL. | Success; complete body and displayed notes read. |\n| **R02** | Opened the supplied current **31.04.205** URL. | Success; complete body and history footnote read. |\n| **F01** | Opened the exact supplied **6025-S.SL.pdf?cite=2024+c+249+s+4** URL. | One fresh failure: internal-error/inaccessible response. No identical retry. |\n| **D01** | Public official-domain search: site:lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session \"6025-S\" \"Sec. 5\" | Discovered the official session-law HTML route. |\n| **D02** | Public official-domain search: site:lawfilesext.leg.wa.gov \"CERTIFICATION OF ENROLLMENT\" \"SUBSTITUTE SENATE BILL 6025\" \"2024\" | Additional discovery results; no alternative PDF variant or earlier passed-legislature version opened. |\n| **R03** | Opened the discovered official **Session Laws** HTML URL in L01-S003. | The one materially different ordinary official route succeeded; heading and complete §§4–5 read. |\n| **Closure** | Compared the supplied two claim texts with the freshly read material. | Both bounded corrections supported. No further source route or broader substantive investigation required. |\n\nSearch results were used to discover the alternative; the correction relies on the subsequently opened body. No failed-route bypass or additional guessed variant was used.\n\n## 7. Researcher self-check — not independent review\n\n| Check | Result |\n| --- | --- |\n| Exactly two corrections | C085 pinpoint and C094 cost category only |\n| Existing claim IDs | C085 and C094 retained |\n| Material bodies | Both current RCW sections read completely |\n| Adopted-original qualification | Complete §4 and §5 read through the successful official HTML route |\n| Failure/pagination honesty | One PDF failure recorded; supplied PDF pagination not represented as freshly verified |\n| Cross-reference scope | Only repetitions of the same erroneous pinpoint or cost attribution are targeted |\n| Existing holds | H01–H21 and the specifically requested application/construction holds remain |\n| Factual/operational scope | No identifying narrative, financial input, populated instrument, transaction analysis or actual outcome |\n| Review character | Researcher correction and self-check only; no independent review asserted |\n\nEND S_WA PASS-18 LIMITED-01.\n\n","tables":[{"headers":["Retained claim ID","Exact replacement text","Correct authority and preserved qualification"],"index":0,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"app.leg.wa.gov\n+1"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"app.leg.wa.gov"}]],"rows":[["Retained claim ID","Exact replacement text","Correct authority and preserved qualification"],["S_WA-P18-C085","For an applicable transaction violating the required-license provision in RCW 31.04.035(1), RCW 31.04.035(2)(b) expressly makes a loan that is not a residential mortgage loan null, void, uncollectable and unenforceable.","Current RCW 31.04.035(1), (2)(b); 2024 c 249 §4, subject to §5. “Applicable” retains the existing coverage, required-license-violation, loan-category, prospective-application and same-day-construction holds. Sources L01-S001 and L01-S003 below. \napp.leg.wa.gov\n+1"],["S_WA-P18-C094","Sanction procedures distinguish consent, nonappearance and a hearing with a preponderance showing; RCW 31.04.205(2) permits the director to recover the state’s costs and expenses of prosecuting violations of chapter 31.04 RCW, including administrative-hearing preparation and attendance time for staff and reasonable attorneys’ fees, except when the director determines after a hearing that no violation occurred.","RCW 31.04.205(1)–(2). The supplied first clause is preserved verbatim; only the cost portion is corrected. Source L01-S004 below. \napp.leg.wa.gov"]]},{"headers":["Target","Exact bounded patch","Boundary"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Target","Exact bounded patch","Boundary"],["C085 pinpoint","Replace “RCW 31.04.035(3)” or “.035(3)” with “RCW 31.04.035(2)(b)” wherever the citation supports this same non-residential-mortgage-loan invalidity proposition.","Do not perform an unconditional replacement of every reference to subsection (3)."],["Source/claim/coverage/branch cells repeating C085’s erroneous pinpoint","Correct the consequence locator to (2)(b); retain (1) as its required-license-violation predicate and 2024 c 249 §5 as its application qualification.","No enlargement to every licensing, fee, disclosure, servicing or other defect."],["Residential-mortgage fee distinction","Keep the separate locator 31.04.035(2)(a) for the origination-fee refund provision, which excludes interest.","This is not the locator or category for C085."],["Actual subsection (3) references","Leave accurate references to 31.04.035(3) intact. That subsection concerns the director’s 2018-act duties and their subjection to that act’s §21.","No new merits finding about the 2018 incorporation."],["C094 cost-category references","Replace “examination/investigation-cost recovery”, when attributed to 31.04.205(2), with “recovery of the state’s costs and expenses of prosecuting chapter violations.” Retain the after-hearing no-violation exception.","This correction does not establish a general examination or investigation cost rule."],["Separately sourced examination/investigation propositions","No correction is specified merely because they use those words.","Their independent authorities and existing holds are outside this overlay."]]},{"headers":["Supplemental source ID","Issuer, title and complete literal HTTPS URL","Actual read bounds and status","Bounded use"],"index":2,"links":[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"app.leg.wa.gov"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],"row_links":[[],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com","text":"app.leg.wa.gov"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4"}],[{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com","text":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm"},{"href":"https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com","text":"lawfilesext.leg.wa.gov"}],[{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205"},{"href":"https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com","text":"app.leg.wa.gov"}]],"rows":[["Supplemental source ID","Issuer, title and complete literal HTTPS URL","Actual read bounds and status","Bounded use"],["S_WA-P18-LIMITED-01-S001","Washington Legislature/Code Reviser, RCW 31.04.035 — License required—When violation occurs. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035","Successfully opened. Complete operative (1), (2)(a)–(b), (3) read, rendered lines 133–140; history and displayed notes at 141–148 also read. Current official codified body as accessed.","Correct C085’s pinpoint and preserve the neighboring category and subsection distinctions. \napp.leg.wa.gov"],["S_WA-P18-LIMITED-01-S002","Washington Legislature, requested PDF of 2024 chapter 249, Substitute Senate Bill 6025 — Consumer Loans—Various Provisions. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4","Failed: retrieval reported an internal error and that the URL was inaccessible through the browsing tool. No complete PDF body or page image was obtained.","Failure record only. The supplied cover/index 0, §4 printed pp.6–7/indexes 6–7 and §5 printed p.7/index 7 are not newly verified pagination in this overlay."],["S_WA-P18-LIMITED-01-S003","Washington Legislature, official HTML session-law version of 2024 chapter 249, Substitute Senate Bill 6025 — Consumer Loans—Various Provisions. https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm","Successfully opened after discovery through public search. Read the instrument identification/effective-date heading, rendered lines 0–12; complete §4, lines 127–134, including all amended .035 subdivisions; and complete §5, line 136.","Authenticate the adopted amendment, its unchanged neighboring clauses and its prospective-application provision. Other sections returned on the page are not credited as a renewed CLA investigation. \nlawfilesext.leg.wa.gov"],["S_WA-P18-LIMITED-01-S004","Washington Legislature/Code Reviser, RCW 31.04.205 — Enforcement of chapter—Director’s discretion—Hearing—Sanctions—Recovery of costs. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205","Successfully opened. Complete operative (1)–(2) read, rendered lines 132–134; history footnote at 136 also read. Current official codified body as accessed.","Preserve C094’s first component and correct its cost category and exception. \napp.leg.wa.gov"]]},{"headers":["Item","Freshly authenticated relationship","Limit preserved"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Item","Freshly authenticated relationship","Limit preserved"],["2024 enactment identity and effective date","The opened official session-law HTML identifies chapter 249, Laws of 2024, with an effective date of June 6, 2024.","This is a legal effective-date constant, not an actual transaction date."],["§4 amendment location","Section 4 places the amended non-residential-mortgage-loan consequence in .035(2)(b). Its displayed amendment replaces the former nonresidential fee/interest-refund language in that subdivision.","No historical loan consequence is determined."],["Neighboring clauses","Section 4 retains the separate (2)(a) residential-origination fee provision and (3) director-duty incorporation.","Neither is substituted for the corrected C085 locator."],["§5 application","The act applies prospectively. Its changes are not to be applied to loans issued before the effective date unless renegotiated or modified after that date.","The existing same-day-construction hold remains; this overlay does not resolve the boundaries of “prior to” or “after” through a hypothetical."],["Current .205 history","The current page displays 2015 c 229 §30 and 2001 c 81 §16 in its history.","Those original acts were not opened in this limited pass. A history footnote is not an original-act reading."],["Currentness","The two requested current RCW bodies and the material adopted-original sections were freshly accessed.","No all-history or no-later-amendment certification; no broader currentness search was conducted."]]},{"headers":["Component or retained gap","LIMITED-01 treatment","Resulting boundary"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Component or retained gap","LIMITED-01 treatment","Resulting boundary"],["C085 source-location error","Corrected to 31.04.035(2)(b).","The error is repaired without broadening its predicate."],["Required-license violation","Preserved through explicit reference to .035(1).","A different defect is not declared sufficient."],["Coverage and loan category","Existing P18 coverage/exemption/category holds remain.","No actual activity, actor or loan is classified."],["Prospective application","Complete 2024 §5 freshly read and retained.","No retroactive or actual-application conclusion."],["Same-day construction","Expressly preserved.","No additional interpretation or factual date supplied."],["Older-rule/later-statute comparison","Unchanged.","No older WAC consequence is transplanted over the statute or newly reconciled here."],["C094 first component","Supplied consent/nonappearance/hearing/preponderance clause preserved and checked against complete (1).","No expanded hearing or sanction procedure."],["C094 cost component","Corrected under (2), including discretion and the stated exception.","No actual cost liability or recovery determined."],["Examination/assessment administration","Excluded from this correction.","No licensing-assessment, examination-fee or investigation-cost program investigated."],["APA and other procedural incorporations","Existing holds unchanged.","No complete APA or administrative-litigation coverage claimed."],["H01–H21","Retained as written, without renumbering, rewriting, supplementation or claimed resolution.","Their full descriptions are not invented from the limited excerpt."],["Other P18 findings and provenance","Unchanged except for this expressly bounded correction overlay.","No replacement of the original report’s actual provenance."],["P19 and other sector reports","Outside this patch.","No property-tax, payday, student, mortgage or statewide rerun."]]},{"headers":["Sequence","Actual action","Result"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Sequence","Actual action","Result"],["R01","Opened the supplied current 31.04.035 URL.","Success; complete body and displayed notes read."],["R02","Opened the supplied current 31.04.205 URL.","Success; complete body and history footnote read."],["F01","Opened the exact supplied 6025-S.SL.pdf?cite=2024+c+249+s+4 URL.","One fresh failure: internal-error/inaccessible response. No identical retry."],["D01","Public official-domain search: site:lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session \"6025-S\" \"Sec. 5\"","Discovered the official session-law HTML route."],["D02","Public official-domain search: site:lawfilesext.leg.wa.gov \"CERTIFICATION OF ENROLLMENT\" \"SUBSTITUTE SENATE BILL 6025\" \"2024\"","Additional discovery results; no alternative PDF variant or earlier passed-legislature version opened."],["R03","Opened the discovered official Session Laws HTML URL in L01-S003.","The one materially different ordinary official route succeeded; heading and complete §§4–5 read."],["Closure","Compared the supplied two claim texts with the freshly read material.","Both bounded corrections supported. No further source route or broader substantive investigation required."]]},{"headers":["Check","Result"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Check","Result"],["Exactly two corrections","C085 pinpoint and C094 cost category only"],["Existing claim IDs","C085 and C094 retained"],["Material bodies","Both current RCW sections read completely"],["Adopted-original qualification","Complete §4 and §5 read through the successful official HTML route"],["Failure/pagination honesty","One PDF failure recorded; supplied PDF pagination not represented as freshly verified"],["Cross-reference scope","Only repetitions of the same erroneous pinpoint or cost attribution are targeted"],["Existing holds","H01–H21 and the specifically requested application/construction holds remain"],["Factual/operational scope","No identifying narrative, financial input, populated instrument, transaction analysis or actual outcome"],["Review character","Researcher correction and self-check only; no independent review asserted"]]}],"claims":[{"claim_id":"S_WA-P18-C085","researcher_record":{"Retained claim ID":"S_WA-P18-C085","Exact replacement text":"For an applicable transaction violating the required-license provision in RCW 31.04.035(1), RCW 31.04.035(2)(b) expressly makes a loan that is not a residential mortgage loan null, void, uncollectable and unenforceable.","Correct authority and preserved qualification":"Current RCW 31.04.035(1), (2)(b); 2024 c 249 §4, subject to §5. “Applicable” retains the existing coverage, required-license-violation, loan-category, prospective-application and same-day-construction holds. Sources L01-S001 and L01-S003 below. \napp.leg.wa.gov\n+1"},"coordinator_verification_status":"bounded_source_location_or_cost_category_correction_supported_other_holds_preserved","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WA-P18-C094","researcher_record":{"Retained claim ID":"S_WA-P18-C094","Exact replacement text":"Sanction procedures distinguish consent, nonappearance and a hearing with a preponderance showing; RCW 31.04.205(2) permits the director to recover the state’s costs and expenses of prosecuting violations of chapter 31.04 RCW, including administrative-hearing preparation and attendance time for staff and reasonable attorneys’ fees, except when the director determines after a hearing that no violation occurred.","Correct authority and preserved qualification":"RCW 31.04.205(1)–(2). The supplied first clause is preserved verbatim; only the cost portion is corrected. Source L01-S004 below. \napp.leg.wa.gov"},"coordinator_verification_status":"bounded_source_location_or_cost_category_correction_supported_other_holds_preserved","coordinator_review_file":"[internal evidence reference]"}],"sources":[{"source_id":"S_WA-P18-LIMITED-01-S001","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035&utm_source=chatgpt.com"],"researcher_record":{"Supplemental source ID":"S_WA-P18-LIMITED-01-S001","Issuer, title and complete literal HTTPS URL":"Washington Legislature/Code Reviser, RCW 31.04.035 — License required—When violation occurs. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.035","Actual read bounds and status":"Successfully opened. Complete operative (1), (2)(a)–(b), (3) read, rendered lines 133–140; history and displayed notes at 141–148 also read. Current official codified body as accessed.","Bounded use":"Correct C085’s pinpoint and preserve the neighboring category and subsection distinctions. \napp.leg.wa.gov"},"coordinator_verification_status":"targeted_proposition_compared_to_prior_this_wake_complete_current_body_and_adopted_original_checks","prior_coordinator_audit":"[internal evidence reference]","no_supplement_fresh_coordinator_public_opens":true},{"source_id":"S_WA-P18-LIMITED-01-S002","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4"],"researcher_record":{"Supplemental source ID":"S_WA-P18-LIMITED-01-S002","Issuer, title and complete literal HTTPS URL":"Washington Legislature, requested PDF of 2024 chapter 249, Substitute Senate Bill 6025 — Consumer Loans—Various Provisions. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/6025-S.SL.pdf?cite=2024+c+249+s+4","Actual read bounds and status":"Failed: retrieval reported an internal error and that the URL was inaccessible through the browsing tool. No complete PDF body or page image was obtained.","Bounded use":"Failure record only. The supplied cover/index 0, §4 printed pp.6–7/indexes 6–7 and §5 printed p.7/index 7 are not newly verified pagination in this overlay."},"coordinator_verification_status":"researcher_failed_PDF_route_no_new_body_or_pixels","prior_coordinator_audit":"[internal evidence reference]","no_supplement_fresh_coordinator_public_opens":true},{"source_id":"S_WA-P18-LIMITED-01-S003","urls":["https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm","https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm?utm_source=chatgpt.com"],"researcher_record":{"Supplemental source ID":"S_WA-P18-LIMITED-01-S003","Issuer, title and complete literal HTTPS URL":"Washington Legislature, official HTML session-law version of 2024 chapter 249, Substitute Senate Bill 6025 — Consumer Loans—Various Provisions. https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm","Actual read bounds and status":"Successfully opened after discovery through public search. Read the instrument identification/effective-date heading, rendered lines 0–12; complete §4, lines 127–134, including all amended .035 subdivisions; and complete §5, line 136.","Bounded use":"Authenticate the adopted amendment, its unchanged neighboring clauses and its prospective-application provision. Other sections returned on the page are not credited as a renewed CLA investigation. \nlawfilesext.leg.wa.gov"},"coordinator_verification_status":"targeted_proposition_compared_to_prior_this_wake_complete_current_body_and_adopted_original_checks","prior_coordinator_audit":"[internal evidence reference]","no_supplement_fresh_coordinator_public_opens":true},{"source_id":"S_WA-P18-LIMITED-01-S004","urls":["https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205","https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205&utm_source=chatgpt.com"],"researcher_record":{"Supplemental source ID":"S_WA-P18-LIMITED-01-S004","Issuer, title and complete literal HTTPS URL":"Washington Legislature/Code Reviser, RCW 31.04.205 — Enforcement of chapter—Director’s discretion—Hearing—Sanctions—Recovery of costs. https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.205","Actual read bounds and status":"Successfully opened. Complete operative (1)–(2) read, rendered lines 132–134; history footnote at 136 also read. Current official codified body as accessed.","Bounded use":"Preserve C094’s first component and correct its cost category and exception. \napp.leg.wa.gov"},"coordinator_verification_status":"targeted_proposition_compared_to_prior_this_wake_complete_current_body_and_adopted_original_checks","prior_coordinator_audit":"[internal evidence reference]","no_supplement_fresh_coordinator_public_opens":true}],"coverage":[{"topic_id":"S_WA-P18-L01-COV001","researcher_record":{"Component or retained gap":"C085 source-location error","LIMITED-01 treatment":"Corrected to 31.04.035(2)(b).","Resulting boundary":"The error is repaired without broadening its predicate."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"C085 source-location error","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV002","researcher_record":{"Component or retained gap":"Required-license violation","LIMITED-01 treatment":"Preserved through explicit reference to .035(1).","Resulting boundary":"A different defect is not declared sufficient."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"Required-license violation","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV003","researcher_record":{"Component or retained gap":"Coverage and loan category","LIMITED-01 treatment":"Existing P18 coverage/exemption/category holds remain.","Resulting boundary":"No actual activity, actor or loan is classified."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"Coverage and loan category","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV004","researcher_record":{"Component or retained gap":"Prospective application","LIMITED-01 treatment":"Complete 2024 §5 freshly read and retained.","Resulting boundary":"No retroactive or actual-application conclusion."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"Prospective application","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV005","researcher_record":{"Component or retained gap":"Same-day construction","LIMITED-01 treatment":"Expressly preserved.","Resulting boundary":"No additional interpretation or factual date supplied."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"Same-day construction","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV006","researcher_record":{"Component or retained gap":"Older-rule/later-statute comparison","LIMITED-01 treatment":"Unchanged.","Resulting boundary":"No older WAC consequence is transplanted over the statute or newly reconciled here."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"Older-rule/later-statute comparison","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV007","researcher_record":{"Component or retained gap":"C094 first component","LIMITED-01 treatment":"Supplied consent/nonappearance/hearing/preponderance clause preserved and checked against complete (1).","Resulting boundary":"No expanded hearing or sanction procedure."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"C094 first component","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV008","researcher_record":{"Component or retained gap":"C094 cost component","LIMITED-01 treatment":"Corrected under (2), including discretion and the stated exception.","Resulting boundary":"No actual cost liability or recovery determined."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"C094 cost component","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV009","researcher_record":{"Component or retained gap":"Examination/assessment administration","LIMITED-01 treatment":"Excluded from this correction.","Resulting boundary":"No licensing-assessment, examination-fee or investigation-cost program investigated."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"Examination/assessment administration","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV010","researcher_record":{"Component or retained gap":"APA and other procedural incorporations","LIMITED-01 treatment":"Existing holds unchanged.","Resulting boundary":"No complete APA or administrative-litigation coverage claimed."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"APA and other procedural incorporations","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV011","researcher_record":{"Component or retained gap":"H01–H21","LIMITED-01 treatment":"Retained as written, without renumbering, rewriting, supplementation or claimed resolution.","Resulting boundary":"Their full descriptions are not invented from the limited excerpt."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"H01–H21","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV012","researcher_record":{"Component or retained gap":"Other P18 findings and provenance","LIMITED-01 treatment":"Unchanged except for this expressly bounded correction overlay.","Resulting boundary":"No replacement of the original report’s actual provenance."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"Other P18 findings and provenance","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic_id":"S_WA-P18-L01-COV013","researcher_record":{"Component or retained gap":"P19 and other sector reports","LIMITED-01 treatment":"Outside this patch.","Resulting boundary":"No property-tax, payday, student, mortgage or statewide rerun."},"coordinator_verification_status":"bounded_two_patch_scope_and_retained_gaps_checked","topic":"P19 and other sector reports","coordinator_acceptance":"bounded_requested_completion_resolved_other_substantive_holds_preserved","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WA-P18-L001-L002-resolution-20261029","status":"two_bounded_material_patches_resolved_other_holds_preserved","at":"2026-10-29T01:07:29.665281+00:00"}]}