FIND THE EXPLANATION

Your home loan changed: identify the issue and review relief

Choose the right mortgage branch before discussing a payment change or putting home equity behind another debt.

This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.

If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.

Original source archive (optional)Original working documents, complete tables and revision history

About this archive

The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.

DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries

S_WA · pass-08Captured 2026-10-2821 tables · 94 claim records · 27 source recordsScoped coordinator review completed

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

SWA correction of the C070 coverage pinpoint →
SWA exact original-row completion →
Two bounded source corrections →
1. Exact two-cell replacements →

SettleADebt — S_WA PASS-08

Washington nonjudicial deed-of-trust foreclosure, residential presale protections, cure, sale, postponement, and deficiency boundaries

Actual public-source access: October 28, 2026, America/Los_Angeles. The initial access-time check was 08:54 PDT.

Scope: This report addresses only the specified nonjudicial deed-of-trust component. It uses newly read public primary authorities. P1–P7 supply no substantive premise here; their findings, provenance, exclusions, and unresolved questions remain unchanged.

Washington’s current statutory text provides a nonjudicial trustee-sale route, conditional residential contact and mediation protections, a reinstatement mechanism, several distinct ways a sale can be delayed or discontinued, and a deficiency bar subject to specified commercial-loan exceptions. Those provisions do not establish that any actual obligation, instrument, actor, notice, or sale satisfies the law. app.leg.wa.gov+3

The most consequential unresolved textual or access issues are:

The cure provision says “prior to the eleventh day”, while statutory notice language uses “on or before” that day.
The initial-contact provisions use different reference events for their thirty-day and ninety-day periods.
The amended-sale mediation provisions do not all express the same stay-related qualification.
The statute supplies an overrideable mediation-fee default; the currently authorized administrative amount was not verified.
The servicing statute and regulation state different information-response periods.
The former homeowner-assistance-program postponement section is officially marked expired, but its exact triggering closure/expiration date was not authenticated.
Federal servicing, bankruptcy, SCRA, title, priority, tenancy, and judicial-construction dependencies remain expressly open.

No actual deadline, fee, payoff, deficiency, eligibility, title, or foreclosure outcome is determined.

1. Reading conventions and authority boundaries

The registers below use these conventions:

S001 means S_WA-P8-S001; similarly, abbreviated claim references such as C045 mean S_WA-P8-C045.
Current means the operative version displayed by the official source on the access date, subject to the stated currency limitations. It does not mean that unsearched judicial stays, vacatur, or every possible federal overlay have been independently excluded.
Full section read means the complete operative body, its material exceptions, and displayed source/application notes were read. It does not mean every older enactment in its historical credit line was read.
Parsed PDF means extracted text was read. It is not a claim that page images were inspected.
Held means no favorable or adverse application is inferred.
d below means the source says “days” without the more specific unit reproduced in the table. Calendar days and business days are identified separately.
References to a statutory notice describe an unfilled public statutory instrument, not an issued notice or proof of compliance.

Authority and category comparison

Category	Controlling role in this pass	Distinction that must remain
Chapter 61.24 RCW	State nonjudicial deed-of-trust framework	An alternative statutory route with its own prerequisites; not a completed judicial foreclosure analysis.
RCW 61.24.030	Preconditions to trustee sale	Default, power of sale, recording, holder proof, notice, and residential prerequisites are separate predicates.
RCW 61.24.031	Covered residential pre-default contact	Does not itself establish mediation eligibility or compel a modification.
RCW 61.24.163–.166	Referral, mediation, certification, scope, institutional exemption	Referral, participation, certification, and an injunction ground are different events.
RCW 61.24.090	Cure and reinstatement	Removes the specified default/acceleration consequences when its conditions are met; not general debt cancellation.
RCW 61.24.040, .050, .130	Sale notice, continuation, sale effect, statutory rescission, court restraint/reset	A continuation, a new setting after restraint, and post-sale statutory rescission are distinct mechanisms.
RCW 61.24.100	Route-specific personal-liability boundaries	A trustee-sale deficiency bar is not a universal declaration that all related obligations disappear.
Chapter 31.04 RCW and chapter 208-620 WAC	Conditional state mortgage-servicing overlay	Coverage and exemptions must be established; not every beneficiary or servicer is automatically covered.
Enacted session laws and adopted WSR order	Amendment, effective-date, expiration, application evidence	A codified page title or webpage update does not establish a clause’s effective date.
Commerce operational material	Program administration and discovery of current instructions	Cannot replace statutory scope or establish a named institution’s exemption.
Federal texts actually read	Narrow incorporated definitions only	No complete federal servicing, bankruptcy, military, government-loan, or federal-lien conclusion is supplied.

Sources: S001, S009–S017, S021–S026; claims C001–C015, C023–C043, C044–C094 below.

2. Source and usage register

All entries were accessed on October 28, 2026, PDT. Different sections or formats of the same instrument retain the same source ID.

2.1 Principal codified instruments and indispensable incorporations

Source ID	Issuer/title and complete literal HTTPS URL	Actual read extent; edition/status; credits and application limits
S_WA-P8-S001	Washington Legislature/Code Reviser, Chapter 61.24 RCW—Deeds of trust. https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true	Complete current bodies of the sections listed in §2.2, including statutory notice forms and material notes. Current and future-effective bodies were distinguished. No claim of reading every chapter section or every incorporated title. Section-specific credits and original enactments appear below.
S_WA-P8-S002	Washington Legislature, RCW 6.21.050—Execution sale time/place provisions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050	Complete section read. Latest displayed credit: 2021 c 122 §12. Used only for the hours expressly incorporated by RCW 61.24.040(9); sheriff-sale scheduling and other execution procedures are not transferred to trustee sales.
S_WA-P8-S003	Washington Legislature, RCW 1.12.040—Computation of time. https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040	Complete section read; latest displayed credit 1997 c 125 §1. Generic first/last-day rule identified. Its application to every backward-counted foreclosure period is not adjudicated here.
S_WA-P8-S004	Washington Legislature, RCW 1.16.050—Legal holidays. https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050	Complete subsections (1)–(7) read. Displayed 2025 c 58 §1001 and 2025 c 30 §1 credits/merger material noted. No actual calendar calculation; no assertion that every commemorative day is a legal holiday.
S_WA-P8-S005	Washington Legislature, RCW 6.13.080—Homestead exceptions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080	Complete body read; only subsection (2) used to understand the express cross-reference in RCW 61.24.100(6). Latest credit 2021 c 290 §6. No P7 homestead findings imported or reconstructed.
S_WA-P8-S006	Washington Legislature, RCW 61.12.060—Judicial foreclosure/upset price. https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060	Complete section read; credit 1935 c 125 §1. Used only for the provision displaced by RCW 61.24.100(5) in its commercial-guarantor branch. Full judicial foreclosure remains open.
S_WA-P8-S007	Washington Legislature, RCW 62A.9A-604—Real-property and personal-property collateral; fixtures. https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604	Complete subsections (a)–(d) read; credit 2000 c 250 §9A-604. Bounded current gateway for the obsolete former RCW 62A.9-501(4) reference in .020. Article 9 attachment, perfection, priority, and fixture entitlement are not completed.
S_WA-P8-S008	U.S. House Office of the Law Revision Counsel, 12 U.S.C. §461(b)(1)(A). https://uscode.house.gov/us/usc/119-121/t12/s461/	Complete incorporated paragraph (b)(1)(A) read. Displayed currency through Public Law 119-121, October 9, 2026. Its nested institutional definitions were not fully followed. Washington’s additional “federally insured” condition remains separate.
S_WA-P8-S020	Washington Legislature/Code Reviser, Chapter 61.24 RCW disposition table. https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24	Relevant entries read completely: .048 expired under 2023 c 206 §12; .173 and .174 repeal entries and savings references. This authenticates the displayed disposition, not the exact date of the assistance-program closure event.
S_WA-P8-S021	Washington Department of Financial Institutions/Code Reviser, Chapter 208-620 WAC—Consumer Loan Act rules. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true	Complete bodies of the rules listed in §2.3 read. Latest credits vary by rule. No entire-chapter compliance conclusion. Current .930 body was successfully read through this ordinary full-chapter route after the individual-section route failed.
S_WA-P8-S022	Washington Legislature, Chapter 31.04 RCW—Consumer Loan Act, relied-on section pages: https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290	Complete bodies of these four sections read. Latest displayed credits respectively: 2018 c 62 §9; 2024 c 249 §2; 2018 c 62 §16; 2015 c 229 §35. Used for definitions, exemptions, rulemaking authority, and servicing duties—not a renewed provider-licensing report.
S_WA-P8-S025	U.S. House Office of the Law Revision Counsel, 15 U.S.C. §1602. https://uscode.house.gov/us/usc/119-120/t15/s1602/	Complete (a) and (w) read and relied on; displayed source/amendment notes inspected. Currency through Public Law 119-120, October 7, 2026. “Dwelling” incorporation only; not complete TILA/Regulation Z coverage. Later federal changes through access date were not exhaustively established.

The official current bodies, rather than search-result titles, controlled the version selection. Several official page titles mention January 1, 2028 while also displaying a separate current body above the future text. app.leg.wa.gov+4

2.2 S001 section-by-section usage, credits, and boundaries

Each row retains S_WA-P8-S001; these are not new independent documents.

Complete section URL	Complete current read bounds and use	Latest displayed credit/material boundary
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005	All definitions; mortgage-role, property, commercial-loan, fair-value definitions used. Association definitions read but association-lien regime excluded.	Current 2025 c 393 §1; effective January 1, 2026, expires January 1, 2028. Future §7 separately identified.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008	Complete referral timing section, including differing amended-notice wording.	2023 c 206 §1.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010	Complete trustee eligibility, appointment, resignation, duty provisions and reviser notes.	2012 c 185 §13. Old Title 30 and chapter 25.04 references expressly noted as recodified/repealed; replacement entity regimes not completed.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020	Complete real-property-security, agricultural, mixed-collateral and recording provisions.	1998 c 295 §3; 1985 application note read; obsolete UCC reference identified.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025	Complete state SCRA incorporation.	2004 c 161 §5. Federal incorporated act itself not fully read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026	Complete conditional short-sale-response section and exclusions.	2011 c 364 §1. Conditional fallback language is not treated as the current mediation-exemption rule.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030	Complete current (1)–(12), all notice contents, death/successor clauses, exceptions and notes.	Current 2025 c 119 §31; future 2024 c 321 §410 effective January 1, 2028.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031	Complete current (1)–(9), including blank declaration, scope, surrender exception and diligence.	Current 2021 c 151 §4; separate future 2028 text.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033	Complete model-language authority.	2011 c 58 §16. Historical implementation deadline not used as a current borrower clock.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040	Complete current (1)–(14), statutory sale/foreclosure/tenant notices, mailing, publication, continuation, successor provisions.	2023 c 206 §3; material 2018 c 306 §2 changes and renumbering noted. Future 2028 text kept separate.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042	Complete commercial-guarantor notice and consequence clauses.	1998 c 295 §6; obsolete subsection cross-reference noted.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045	Complete request-for-notice provision.	2018 c 306 §3. No actual request or recording examined.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050	Complete sale/deed/redemption and statutory rescission provisions; blank rescission form.	2018 c 306 §4; original amendment read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060	Complete section read; only bounded non-tenant possession gateway used.	2009 c 292 §10. Tenant and unlawful-detainer incorporations remain open.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070	Complete bidding/payment provision.	1998 c 295 §9.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080	Complete proceeds, expense cap, surplus deposit, notice and disbursement provisions.	2014 c 107 §2.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090	Complete (1)–(7), including strict cutoff, expenses, fee review, reinstatement, subordinate advances and tender forms.	1998 c 295 §11; original read. Reviser's note maps former .040(6) to current .040(10).
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100	Complete (1)–(12), all commercial/guarantor exceptions and historical-application clause.	2021 c 290 §7; 1998 c 295 §12. Both material originals read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110	Complete section read; only subsection (1) reconveyance gateway used.	2013 c 114 §1. Separate release clocks are not relied on or rerun.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120	Complete preservation of other foreclosure provisions.	1965 c 74 §12.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127	Complete damages/nonwaiver provision and owner-occupied/noncommercial restriction.	2011 c 364 §2. Full CPA and judgment-lien incorporations held.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130	Complete restraint, notice, security/payment, dissolution/reset and bankruptcy-related state clauses.	2018 c 306 §5; original read. Federal stay predicates not established.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135	Complete section read; subsections (1)–(2) used for collusion/contact/mediation boundaries.	2023 c 206 §11. Surplus-locator contract regime in (3)–(4) excluded.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157	Complete current loan-closing funding-fee section read for boundary only.	2026 c 156 §1; original fully read. Not a cure or trustee-sale expense authorization.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158	Complete administrative reporting section read; no separate substantive claim.	2025 c 393 §10.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160	Complete counselor/contact/referral section.	2023 c 206 §4.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163	Complete current (1)–(24). Mortgage clauses used; association-specific branches read but not developed.	2025 c 393 §3, effective January 1, 2026. This section is not among the act’s sections expiring in 2028.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165	Complete current and displayed future scope provisions.	Current 2025 c 393 §4; future §6; material 2023 c 206 §6 and 2021 c 151 §6 changes checked.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166	Complete current and historical-year exemption branches, certification and retroactivity.	2023 c 206 §7; original and emergency effective clause read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169	Complete section read; mediator role and limited evidentiary use of certification used.	2012 c 185 §7. No mediator selection or roster reviewed.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177	Complete pooling/servicing-duty provision.	2011 c 58 §13. Does not independently establish an actual contractual duty.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190	Complete current funding/reporting and exemption provisions; future version distinguished.	2023 c 206 §8; future association-reference changes identified. Borrower pass-through not inferred.

2.3 S021 rule usage and adopted-rule credits

The full-chapter URL in S021 is a direct readable source for every rule below. Individual section URLs are included where they were separately used.

Rule and direct URL	Actual complete read/use	Displayed amendment status
WAC 208-620-010, at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true	Full definitions. Used: Act, business day, dwelling, and broad foreclosure-referral definition.	Latest WSR 22-24-048, effective December 31, 2022.
WAC 208-620-011, same full-chapter URL	Full definitions/application of residential mortgage servicing, including master/subservicer and nonservicing-investor boundaries.	WSR 18-24-013, effective January 1, 2019.
WAC 208-620-104, -230, -231, -232, same full-chapter URL	Full scope/exemption/waiver bodies read. Used to limit the servicing overlay; no entity license conclusion.	-104/-230: WSR 18-24-013; -231: WSR 18-16-024; -232: WSR 19-21-157. The -104 statutory subsection reference predates the 2024 renumbering.
WAC 208-620-550. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550	Full rule read; subsection (1) payoff response used. Unrelated student-loan, general business, and reconveyance-clock subjects not developed.	WSR 19-21-157, effective November 24, 2019.
WAC 208-620-551. https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551	Full (1)–(9). Used for waivers, unauthorized charges, misapplication, referral and collection restrictions. Force-placed-insurance regime excluded from substantive conclusions.	WSR 18-16-024, effective September 1, 2018.
WAC 208-620-567, at full-chapter URL	Full default-fee rule.	WSR 18-16-024.
WAC 208-620-900, at full-chapter URL	Full transfer, crediting, suspense, assessment/notice, oversight provisions.	WSR 18-16-024.
WAC 208-620-905, at full-chapter URL	Complete escrow rule read for boundary; no full escrow/insurance entitlement conclusion.	WSR 18-16-024.
WAC 208-620-920, at full-chapter URL	Full information/error provisions, including both response tracks and fee limits.	WSR 18-16-024.
WAC 208-620-930, at full-chapter URL	Full (1)–(9), including complete-application, sale-proximity, appeal, confirmation and short-sale-information clauses. Individual URL failure is separately logged.	WSR 18-16-024.
WAC 208-620-935. https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935	Complete pre-referral file-support and post-sale mailing rule.	WSR 18-16-024.

The original adopted order was also read for the material servicing clauses; this is amendment authentication, not independent corroboration from a second format. lawfilesext.leg.wa.gov+4

2.4 Enacted originals, adopted order, and official administrative material

Source ID	Issuer/title and literal HTTPS URL	Actual read bounds; effective/application findings; limitations
S_WA-P8-S009	Washington Legislature, 2025 c 393, SSB 5686. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1	Parsed text: complete §§1, 3, 4, 19–20; selected surrounding/future sections, including §7. §§19–20 at printed p.60/PDF index 60 read completely. Current relevant §§1–4 effective January 1, 2026; §§5–7 effective January 1, 2028. Expiration list includes §§1, 2, 4, but not §3. Not entire act.
S_WA-P8-S010	Washington Legislature, 2025 c 119, SSB 5129. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31	Cover, substantial selected §31 text, and complete §§35–36 at printed p.82/index 82. Cover effective July 27, 2025; §31 expires January 1, 2028. Original §31 was not read continuously in its entirety; current codified .030 was.
S_WA-P8-S011	Washington Legislature, 2024 c 321, SSB 5796. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410	Selected §410 opening; complete §512, printed p.196/index 196. §§401–432 effective January 1, 2028. Full future association-law consolidation not audited.
S_WA-P8-S012	Washington Legislature, 2023 c 206, SHB 1349. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4	Complete §§1, 6–9, 12–13; selected §2. §7 at printed p.30/index 30; §§12–13 at pp.35–36/indexes 35–36. General effective July 23, 2023; §§7–9, 12 effective May 1, 2023. §7 expressly retroactive to January 1, 2023. Historical HAF pause and its closure-based expiration read.
S_WA-P8-S013	Washington Legislature, 2021 c 151, SHB 1108. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2	Selected §4; complete §6 and §§13–17. Relevant immediate provisions effective May 3, 2021; other listed provisions January 1, 2022; repeal/savings provisions June 30, 2023. Not a complete historic regime reconstruction.
S_WA-P8-S014	Washington Legislature, 2021 c 290, SSB 5408. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7	Complete §7, printed pp.5–7/indexes 5–7; §8 emergency clause and approval material. Effective May 12, 2021. Authenticates the specific fixed $125,000 guarantor-residence provision. Historical retroactive application not assumed.
S_WA-P8-S015	Washington Legislature, 2018 c 306, SSB 2057. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1	Cover; selected §1; complete §§4–5, printed pp.20–24/indexes 20–24; end material. Effective June 7, 2018. Used for holder-wording amendment and complete rescission/restraint amendments; not entire act.
S_WA-P8-S016	Washington Legislature, 1998 c 295, SSB 6191. https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12	Complete §§11–12, printed pp.19–23/indexes 19–23; cover/end. Effective June 11, 1998. Stricken former obligation-satisfaction language was distinguished from enacted text. Pre-1998 law not reconstructed.
S_WA-P8-S017	Washington Legislature, 1985 c 193. https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3	Complete §5 application clause, PDF index 10; other selected text. Current codified note identifies July 28, 1985. Exact §5 is the pinpoint; no unverified printed-page number supplied. Applies to notices of default issued after the effective date.
S_WA-P8-S018	Washington Commerce, Foreclosure Fairness Program. https://www.commerce.wa.gov/homeownership/foreclosure-fairness/	Generic program body, FAQ/referral and fee-sharing statements read. Displayed page update July 21, 2026 is not a legal effective date. Current guidelines link discovered; linked document inaccessible. No exemption roster or provider examined.
S_WA-P8-S019	Washington Commerce, Foreclosure Fairness Program Guidelines, May 1, 2016. https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf	Cover and fee/scheduling material, printed pp.27–29/PDF indexes 31–33, read. Historical official guidance, not current fee authorization.
S_WA-P8-S023	Washington DFI, WSR 18-16-024, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm	Header, adoption/authority statement and complete amendments to -551, -567, -900, -905, -920, -930, -935 read; selected definitions. Adopted/filed July 24, 2018; effective September 1, 2018. Header expressly identifies the information-response change from 15 to 30 business days.
S_WA-P8-S024	Washington Legislature, 2024 c 249, SSB 6025. https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm	Complete act §§1–5 read; §§2 and 5 relied on. Effective June 6, 2024. Prospective application; pre-effective-date loans excluded unless renegotiated or modified after that date.
S_WA-P8-S026	Washington Legislature, 2026 c 156, SSB 5938. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1	Complete cover, §1 and end, printed pp.1–3/PDF indexes 1–3. Effective June 11, 2026. Amends the loan-closing funding fee/exclusions; does not supply a cure charge.
S_WA-P8-S027	Washington Legislature/Code Reviser, 2026 RCW Sections Affected table. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf	Relevant Title 61 row, printed p.10/PDF index 9, and relevant searches read. Dated April 2, 2026; discovery/version cross-check only. Led to S026. It is not operative law or proof of absence of later changes.

3. Substantive findings and atomic claim register

The following tables supply the substantive answers. Each assertion is bounded by the cited clauses and qualifications.

3.1 Framework, roles, property, and scope — question 1

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C001	A deed of trust within .020 conveys real property to secure performance of an obligation and may use the chapter’s trustee-sale route. Mortgage law otherwise applies except as the chapter provides.	S001 §.020, complete section. Security, obligation validity and sale prerequisites remain separate.
S_WA-P8-C002	The chapter defines beneficiary by holding the instrument or document evidencing the secured obligation, excluding a person holding it as security for a different obligation.	S001 §.005(4). Recorded designation alone is not examined here as proof of holding.
S_WA-P8-C003	Borrower, grantor and guarantor are distinct statutory roles: liability on the principal obligation; encumbering an interest; and a nonborrower’s separate written guaranty, respectively.	S001 §.005(5), (9), (10). The borrower definition includes specified general-partner and written-successor-liability branches. No actual agency or liability is inferred.
S_WA-P8-C004	“Commercial loan” turns on primary purpose other than personal, family or household use. “Owner-occupied” means the borrower’s principal residence. The general residential definition and express “up to four units” clauses must be read separately.	S001 §.005(6), (13), (16); §§.030, .031, .165. A residential building does not by itself settle commercial-purpose classification.
S_WA-P8-C005	Trustee eligibility is restricted to the categories in .010(1): qualifying domestic entities, authorized title insurers/licensed title agents, qualifying Washington attorneys and attorney entities, a U.S. agency/instrumentality, or specified federally chartered banking institutions.	S001 §.010(1)(a)–(f). The domestic-entity branch includes a Washington-resident-officer condition. Incorporated entity/licensing statutes and obsolete references are held; no actual trustee qualification is established.
S_WA-P8-C006	A successor trustee receives the chapter’s trustee powers through the beneficiary’s appointment recorded in every county where the deed of trust is recorded. Resignation has its own written-notice and recording requirements.	S001 §.010(2). Merely using the label “successor trustee” does not establish this predicate.
S_WA-P8-C007	The statute disclaims a trustee fiduciary duty to the grantor or other interested persons, while expressly imposing good faith toward borrower, beneficiary and grantor.	S001 §.010(3)–(4). These are separate clauses; neither eliminates the other.
S_WA-P8-C008	Sale prerequisites include a power of sale, an activating default under the secured obligation or grantor covenant, county recording, and the trustee’s required Washington physical address/presence/telephone throughout the specified period.	S001 §.030(1), (3), (5)–(6). None establishes debt validity or actual compliance.
S_WA-P8-C009	If the deed’s required nonagricultural-use statement is false both when granted or amended to include it and at sale, judicial foreclosure is required.	S001 §.030(2). Agricultural production includes crops, livestock or aquatic goods. No property-use classification is made.
S_WA-P8-C010	A pending beneficiary action seeking satisfaction generally prevents this trustee-sale route, subject to the receiver/property-preservation and commercial-other-collateral exceptions stated in .030(4).	S001 §.030(4). The incorporated homestead/rents branch is identified but not completed.
S_WA-P8-C011	For residential property up to four units, the trustee must have holder proof before recording, transmitting or serving the sale notice. A beneficiary declaration under penalty of perjury is statutorily sufficient, with reliance conditioned on the trustee’s good-faith duty.	S001 §.030(7). This is a procedural proof provision, not a finding that an actual declaration is true. Association exceptions are separate.
S_WA-P8-C012	The state servicing overlay depends on Consumer Loan Act scope: residential mortgage purpose/security, servicing activity, and statutory/rule coverage, including specified Washington-resident/property connections.	S022 §§31.04.015(13), (24), (25), (29), .025; S021 -011, -230, -231. Investor ownership without servicing activity is not automatically the regulated servicing role.
S_WA-P8-C013	CLA exemptions are conditional, including specified banking-law activities, public/qualified housing programs and other categories. The business/commercial/agricultural exclusion does not extend as written to loans secured by the borrower’s primary dwelling. Exemption/preemption is not presumed.	S022 §31.04.025(4)–(6); S024 §§2, 5. A licensing waiver is not treated as a waiver of every substantive duty. The 2024 amendment has an express prospective-application limitation.
S_WA-P8-C014	Mixed real/personal collateral requires a separate UCC branch. The current .9A-604 text permits specified personal-property-only or real-property-route treatment, but does not establish attachment, perfection or priority.	S001 §.020 and reviser note; S007 §62A.9A-604(a)–(d). Former .9-501(4) is not treated as current operative text.
S_WA-P8-C015	Judicial mortgage foreclosure remains a statutory alternative, and .100 expressly says its deficiency section does not apply to that foreclosure.	S001 §§.100(8), .120. No conclusion follows about the full judicial route’s deficiency, execution or redemption rules.

The operative agricultural, holder-proof and recording prerequisites were read in the current body, despite the official page’s future-version title. apps.leg.wa.gov+4

3.2 Residential contact, default notice, successors and mediation — question 2

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C016	Section .031’s contact regime applies to its recorded residential-up-to-four-unit category, with commercial-loan, specified third-party-grantor, seller-financed and listed association exclusions. Its contact/diligence subsections also have a written-surrender/key-delivery exception.	S001 §.031(6)–(8). The seller-finance definition is statutory; an ordinary servicer label is not an exemption.
S_WA-P8-C017	Due diligence requires the specified initial dual-mail letter, telephone attempts, conditional follow-up certified letter, live contact availability and website information if a website exists. Telephone contact does not itself constitute the statutory meeting.	S001 §.031(1)(b)–(c), (5)(a)–(e). Exact quantities are Q03–Q05. Disconnected-number and live-representative qualifications remain.
S_WA-P8-C018	The statute uses different contact timing formulations: satisfaction of due diligence, initiation of initial contact, deemed contact after sending, and the letter’s own date. They are not collapsed into one universal default-notice date.	S001 §.031(1)(a), (c)–(d), (4). Textual interaction held, B06.
S_WA-P8-C019	A requested meeting must precede the default notice and address ability/options. Telephone is permitted unless a timely written in-person request is made; county location and resolution-authority conditions apply. An offered workout requires borrower approval.	S001 §.031(1)(e)–(f), (3)–(4). No compelled modification or agreement follows.
S_WA-P8-C020	The default notice and, for the covered residential category, holder declaration have dual-mail plus posting-or-personal-service requirements before the sale notice. Required contents include alleged default, itemized arrears/charges, reinstatement total, court recourse, role/contact information and applicable mediation language.	S001 §.030(8)(a)–(m), (9); §.031(2), (9). Sending, posting, personal service and receipt are not interchangeable.
S_WA-P8-C021	Known death and a pre-sale-notice written successor claim activate additional notice/document-request/information duties. Timely proof can establish treatment under the section, but the statute does not require assumption or modification approval.	S001 §.030(10)–(11), complete clauses. Probate/intestacy and actual title are held.
S_WA-P8-C022	A successor claim after sale-notice recording has a different response and information timetable; the trustee may postpone in the stated circumstances.	S001 §.040(7). The permissive postponement is not converted into an automatic stay.
S_WA-P8-C023	Current mortgage mediation scope is recorded residential property up to four units, subject to .165(2)’s exclusions, including commercial, specified nonborrower/nonguarantor grantor, seller-finance and entity-grantor/entity-vesting branches. Current successor/dissolution provisions do not impose the former occupancy wording or an assumption duty.	S001 §.165(1)–(2), (4)–(5); S012 §6; S013 §6; S009 §4. Association mediation is a separate branch.
S_WA-P8-C024	The institutional mediation exemption requires the specified federally insured depository category and annual perjury certification tied to no more than 250 qualifying Washington trustee sales in the preceding calendar year.	S001 §.166(1); S008 §461(b)(1)(A); S012 §7. It is not a blanket exemption for all servicers or all small beneficiaries. Nested federal institutional definitions remain held.
S_WA-P8-C025	Mortgage mediation requires referral by a housing counselor or attorney within the statutory window, or later written voluntary agreement. The principal amended-notice rule expressly concerns a notice after a .130 stay; .008(3) uses broader wording.	S001 §§.008(2)–(3), .160(3), .163(1)–(5). No borrower self-referral or universal amended-notice reset is inferred.
S_WA-P8-C026	The borrower’s mediation document package includes financial information, tax returns, hardship information and applicable program information, transmitted to mediator and beneficiary on the statutory timetable.	S001 §.163(6)(a). Only the public categories were read; no worksheet or private information was obtained.
S_WA-P8-C027	The beneficiary’s package includes note/deed, balance and payment information, charges, note-ownership proof, valuation, modification-denial explanation, relevant NPV inputs and claimed investor restrictions/waiver efforts.	S001 §.163(6)(b)(i)–(x). The section says ownership proof and permits the .030 holder declaration as sufficient proof; that wording is preserved rather than silently equated.
S_WA-P8-C028	Mediation has a department-notice, scheduling, advance-notice, attendance/authority and continuance framework. An agreed scheduling extension requires notice to the trustee of the expected certification date.	S001 §.163(5), (8)–(10). In-person attendance and remote resolution authority are distinct permissions.
S_WA-P8-C029	Good-faith obligations include timely participation, documents and adequate settlement authority. Conditioning modification on waiver of future claims is listed as potential bad faith, subject to the express TILA-rescission and pending-claim qualifications.	S001 §.163(13)(a)–(d). No complete TILA rescission or waiver-enforceability analysis follows.
S_WA-P8-C030	The mediator issues the specified certification after conclusion. A reasonable belief that the borrower will not attend permits the separate cancellation/notification route. Neither event adjudicates all foreclosure prerequisites.	S001 §.163(14)–(16), (18). “May proceed” remains subject to other applicable requirements.
S_WA-P8-C031	A pre-recording referral generally prevents sale-notice recording until certification, with the stated late-certification fallback. A referral after recording prevents the sale until certification; that clause does not contain the same fallback.	S001 §.163(19)(a)–(b). Exact timing in Q13.
S_WA-P8-C032	Beneficiary bad-faith certification supplies a rebuttable defense to the present nonjudicial foreclosure. The stated favorable-NPV/no-affordable-offer condition supplies a basis for injunction. Neither mandates a loan modification.	S001 §.163(17). Judicial foreclosure and a later foreclosure following an agreed modification and later default are expressly distinguished.
S_WA-P8-C033	The codified mediation fee is an overrideable default, with equal party shares and a payment timetable. The actual currently authorized administrative amount remains unverified.	S001 §.163(20); S018; historical S019. Current Box guideline route failed; historical authorization is not carried forward.
S_WA-P8-C034	The mediator has statutory qualifications/approval and a limited role. Certification and specified materials may be admissible subject to court rules; they are not automatically adjudicated facts.	S001 §.169, complete section. No mediator or court-record inquiry was performed.
S_WA-P8-C035	The conditional owner-occupied short-sale-offer provision requires a senior beneficiary response to a qualifying pre-default-notice written offer, but preserves its choice and expressly does not change the chapter’s foreclosure periods.	S001 §.026(1)–(6). Exclusions include commercial, specified third-party-grantor, seller-financed and mediation-exempt-beneficiary branches.
S_WA-P8-C036	Section .177 addresses an existing servicer duty under a pooling/servicing agreement and specified default/imminent-default and NPV conditions.	S001 §.177. It does not establish that every servicer has such an agreement or an unconditional duty to modify.

The current scope and institution-exemption provisions were read in full, including the historical 2023 branch and the current annual-certification branch. app.leg.wa.gov+5

3.3 State servicing and loss-mitigation interfaces — questions 2–3

These claims apply only after the S022/S021 coverage predicates are established.

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C037	The rule’s foreclosure-referral definition reaches steps in furtherance of foreclosure, not merely delivery to an outside trustee. Rule -551(4) prohibits referral after receipt of a modification application until evaluation for all available modifications; that subsection does not use “complete.”	S021 -010(38), -551(4). No actual application or internal status was examined.
S_WA-P8-C038	Rule -551(6) separately prohibits collection activity while a complete modification application is under review or while payments are being made under a trial/permanent modification, including activity by others on the servicer’s behalf.	S021 -551(6); S023 adopted text. Completeness and performance are predicates, not assumed facts.
S_WA-P8-C039	The state modification rule supplies status-access, determination, deficiency-notice/correction and denial-explanation requirements for its applicable program branch.	S021 -930(1), (2)(a)–(f). Conditional HAMP/GSE references do not establish current federal-program availability.
S_WA-P8-C040	The rule distinguishes complete applications received before the 37-day point and those submitted between the 37- and 15-day points, with review/offer-response and suspension provisions.	S021 -930(2)(f)–(i). Exact equality boundaries, applications closer to sale, and interaction with -551 remain held; no permission to foreclose is inferred from silence.
S_WA-P8-C041	The rule provides an appeal process with stated exclusions, response timing, and written modification/forbearance confirmation duties.	S021 -930(3)–(5). No guaranteed approval follows from a procedural right.
S_WA-P8-C042	A servicing transfer must preserve specified pending modification work and existing trial/permanent agreements under the state rule, with an express state/GSE-program-conflict qualification.	S021 -900(2). Transfer does not itself establish modification approval or cure.
S_WA-P8-C043	Before referral, the servicer’s file must support default, foreclosure rights and ownership; after a completed foreclosure sale, the rule requires a separate borrower mailing.	S021 -935(1)–(2). File contents are a requirement, not proof that an actual foreclosure is lawful.

These are state rules, not borrowed federal Regulation X deadlines. The original permanent order was read, including its effective date. app.leg.wa.gov+4

3.4 Cure, reinstatement, tender, expenses and information — question 3

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C044	The statutory reinstatement mechanism is available to the listed borrower, grantor, guarantor, subordinate deed-of-trust beneficiary and recorded subordinate lien/encumbrance holder.	S001 §.090(1). No actual actor’s standing is established.
S_WA-P8-C045	The operative cure subsection uses a strict “prior to” eleventh-day formulation; statutory notices use inclusive “on or before” wording. The exact boundary is held rather than resolved favorably.	S001 §§.090(1), .040(2)(d), (4); S016 §11. B16.
S_WA-P8-C046	Monetary cure consists of amounts then due excluding principal that would not yet be due absent default, plus the specified actual enforcement expenses and reasonable fees.	S001 §.090(1)(a)–(b). Naturally matured principal is not automatically excluded; not a universal arrears-only rule.
S_WA-P8-C047	A person entitled to discontinue may seek a fee-reasonableness determination in a court with jurisdiction other than small claims. That fee action does not itself forestall or invalidate the sale.	S001 §.090(2). Possible prevailing-party costs/fees are discretionary statutory language, not an actual award.
S_WA-P8-C048	Qualifying cure results in discontinuance and reinstatement as though acceleration had not occurred; nonmonetary default and recording/tender requirements remain separately stated.	S001 §.090(3)–(4), (6)–(7). Cure does not erase the underlying obligation.
S_WA-P8-C049	A recorded subordinate lienholder curing under .090 may add the authorized advances, specified interest and enforcement expenses to its lien.	S001 §.090(5). No priority or actual secured amount is adjudicated.
S_WA-P8-C050	The statutory notice describes a later, pre-sale discontinuance route requiring the secured principal, interest, costs/fees/advances and cure of other defaults, rather than only the unaccelerated arrears.	S001 §.040(2)(d), (4), read with .090. It is not a universal tender rule overriding every other legal dependency.
S_WA-P8-C051	The trustee’s statutory written reinstatement/payoff-response requirement and the covered servicer’s payoff-response rule have different actors and units.	S001 §.040(4); S021 -550(1). Q28.
S_WA-P8-C052	Covered servicing fees require the stated authorization and default-service reasonableness; third-party charges may not exceed actual payment. Rules also prohibit specified unagreed charges and use of suspense funds for the servicer’s own fees.	S021 -567; -551(1)(d), (3)(c), (5). This is not a dollar tariff for all trustee expenses.
S_WA-P8-C053	Statute and rule impose fee-assessment and mailed-explanation timing, with the statement alternative where stated.	S022 §31.04.290(1)(a); S021 -900(3)(e). Q29.
S_WA-P8-C054	Payment crediting and suspense treatment have specific receipt, information, timing and full-payment conditions; they are not equivalent to statutory reinstatement.	S022 §31.04.290(1)(b); S021 -900(3)(a)–(d). Written-hold and bankruptcy-order qualifications are not extended beyond their text.
S_WA-P8-C055	The statute requires its general information statement within 15 business days; the regulation states 30 business days or the specified program timeline. A separate detailed-document track states 15 business days and limited repeat-request charges.	S022 §31.04.290(1)(d), (2); S021 -920(1)–(5); S023. No permission to use the longer period is inferred. Both texts also require correction/refund of identified servicing errors.

The cure wording and fee-review limitation are explicit in the full current section and the enacted 1998 amendment. app.leg.wa.gov+4

3.5 Sale setting, continuation, restraint, completion, rescission and proceeds — question 4

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C056	The sale-notice lead time depends on whether the .031 letter is required, and a separate default-to-sale minimum also applies.	S001 §.040(1), (12). These are cumulative predicates, not alternative universal sale dates.
S_WA-P8-C057	Sale-notice recording, dual mailing, recipient selection and occupant posting/service are separate statutory acts. Recipient categories include specified recorded interests, requesters and occupants, subject to the statute’s knowledge/address and foreclosure-interest qualifications.	S001 §.040(1)(a)–(e), (14); §.045. A recording or one mailing alone is not full compliance.
S_WA-P8-C058	Notice of default, notice of trustee’s sale and notice of foreclosure have different content and delivery functions. The foreclosure notice includes the specified note/deed material. A beneficiary/servicing transfer alone does not require a new sale notice under .040(2).	S001 §§.030(8), .040(2)–(4). Other transfer duties remain; no actual notice is approved.
S_WA-P8-C059	Publication has two specified sale-relative windows; unknown-heir notice has an additional conditional publication route.	S001 §.040(5)–(6). The heir route requires its diligence/successor predicates.
S_WA-P8-C060	The sale is a public auction at a designated public place in the property’s county, on the stated weekday/holiday rule and during incorporated hours.	S001 §.040(8)–(9); S002 §6.21.050(1), hours only. No actual scheduling permission.
S_WA-P8-C061	Property may be offered whole or in parcels; the trustee cannot bid. Beneficiary credit bidding is limited to the secured monetary obligation, with excess payable as specified; other bidders’ payment forms are separately stated.	S001 §§.040(8), .070. No bid, title or distribution is calculated.
S_WA-P8-C062	Discretionary continuances under .040(10) have an aggregate limit and alternative proclamation/mail or notice/publication mechanisms.	S001 §.040(10)(a)–(b). Neither unlimited extensions nor one universal notice period is established.
S_WA-P8-C063	Specified interested persons may seek court restraint on proper legal or equitable grounds, with statutory advance notice and proof-of-service requirements.	S001 §.130(1)–(2). This is a generic statutory remedy gateway, not advice to file or a finding that relief is available.
S_WA-P8-C064	Court restraint may require recurring payments/security under the section, with distinct treatment of periodic-payment, fully matured and nonmonetary defaults and consideration of equity.	S001 §.130(1)(a)–(c). No required payment amount is supplied.
S_WA-P8-C065	Dissolution of an injunction and the specified bankruptcy-stay event have separate new-setting/notice provisions; a properly continued sale may instead use the statute’s stated alternative.	S001 §.130(3)–(6). Continuing a date is not permission to conduct a sale during a stay. Federal predicates remain held.
S_WA-P8-C066	Physical delivery of the deed conveys the described grantor interests. The accepted bid is final as of acceptance if the deed is recorded within the stated period, subject to statutory rescission; the state section supplies no post-sale redemption right.	S001 §.050(1)–(2). Federal or other independent rights are not resolved.
S_WA-P8-C067	The authorized trustee/beneficiary/agent may void a sale within the specified period for the listed process-error, prior loss-mitigation agreement, or accepted full-cure/satisfaction grounds.	S001 §.050(2)(a). This is discretionary statutory authority, not an automatic borrower reversal right.
S_WA-P8-C068	Statutory rescission has separate refund and dual-mail notice clocks. The specified error/agreement grounds permit a reset only with the new minimum date and notice/publication conditions.	S001 §.050(2)(b)–(d). The accepted-cure ground is not silently added to the reset authorization.
S_WA-P8-C069	Trustee-deed recitals have the stated evidentiary effect, including protection of qualifying bona fide purchasers. An interest whose holder did not receive required notice is not affected as specified by .040(11).	S001 §.040(11). No actual purchaser status, title priority or universal cure of defects is established.
S_WA-P8-C070	Sale proceeds first pay authorized sale expenses, subject to the stated aggregate reasonableness benchmark for trustee/attorney fees, then the secured obligation.	S001 §.080(1)–(2). This distribution fee benchmark is distinct from .090 reinstatement expenses.
S_WA-P8-C071	Remaining proceeds follow the clerk-deposit, notice and court-disbursement process. Eliminated liens attach to surplus in court-determined priority; surplus is not automatically payable entirely to the borrower.	S001 §.080(3). Motion notice and hearing period appear in Q41.
S_WA-P8-C072	The section states a conditional twentieth-day possession gateway against specified non-tenant occupants/interests after required notices.	S001 §.060(1). Tenant rights and chapter 59.12 procedure remain open; no eviction or possession instruction follows.
S_WA-P8-C073	Reconveyance under .110(1) has its own written-request/satisfaction conditions. A deficiency bar, cure, discontinuance and reconveyance are not treated as interchangeable events.	S001 §.110(1). Separate release clocks are excluded.
S_WA-P8-C074	Former .048’s homeowner-assistance-program postponement regime is officially marked expired under the enacted closure-based expiration clause.	S020 disposition entry; S012 §§9, 12–13. Exact program-closure/expiration date and required written notice were not authenticated; the old pause is not presented as current.

The sale, continuation, rescission and restraint mechanisms were read as separate operative clauses. app.leg.wa.gov+5

3.6 Deficiency, guarantor, waiver and remedy boundaries — question 5

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C075	After a trustee sale under the deed of trust, deficiency judgment on its secured obligations against borrower, grantor or guarantor is barred except to the extent .100 permits for commercial loans.	S001 §.100(1). This is tied to the obligation secured by the deed actually sold under.
S_WA-P8-C076	The chapter preserves an action on liability before sale notice or after discontinuance, and permits later foreclosure after completion or dismissal of that action, subject to other requirements.	S001 §.100(2). No actual enforcement election is made.
S_WA-P8-C077	The post-1998 commercial borrower/grantor exception is limited by beneficiary/affiliate purchase, fair-value shortfall, timely notice and specified waste/wrongfully retained proceeds; it excludes the borrower’s principal residence at sale.	S001 §.100(3)(a). It is not a general commercial-borrower shortfall remedy.
S_WA-P8-C078	A commercial guarantor deficiency branch requires timely .042 notice and the other .100 conditions. Omission of that special notice does not itself invalidate other notices or the trustee sale.	S001 §§.100(3)(c), .042, complete sections.
S_WA-P8-C079	The specified commercial deficiency actions have a one-year sale-based period, qualified by later written agreement after foreclosure notice and statutory prohibition periods; multiple qualifying sales use the last sale.	S001 §.100(4). This is the route-specific clause only; no P3 limitations analysis or actual deadline is supplied.
S_WA-P8-C080	The commercial-guarantor fair-value mechanism is adjudicative and uses the statutory deduction relation, contractual interest and authorized costs. Fair value has a sale-date, prior-encumbrance and market-exposure definition.	S001 §§.005(8), .100(5); S006. Symbolic relation in Q44; not a bid-price-only calculation.
S_WA-P8-C081	Commercial other-collateral enforcement is preserved; if other security is sold before guarantor deficiency judgment, its fair value is added under the specified valuation rule.	S001 §.100(3)(b), (5). Full collateral priority and enforcement regimes remain open.
S_WA-P8-C082	A guarantor who gives a deed of trust securing its commercial guaranty has the narrower stated liability branch; if that deed encumbers the guarantor’s principal residence, the statute provides up to $125,000 from the accepted bid before application to the guaranty obligation.	S001 §.100(6); S005 §6.13.080(2); S014 §7. This fixed provision is not replaced by a county-based homestead figure.
S_WA-P8-C083	Acceptance of a deed in lieu under a commercial-loan deed of trust exonerates the guarantor except to the extent the guarantor agrees otherwise as part of that transaction.	S001 §.100(7). No actual agreement or transaction is examined.
S_WA-P8-C084	Express contract language may prohibit recovery of some or all commercial deficiency after trustee sale.	S001 §.100(9). No waiver or contract term is presumed.
S_WA-P8-C085	The commercial trustee-sale rule does not preclude enforcement of an obligation, or its substantial equivalent, that was not secured by the foreclosed deed of trust.	S001 §.100(10). Whether an obligation is genuinely separate remains held.
S_WA-P8-C086	Unless otherwise agreed, a trustee sale does not impair the guarantor’s specified reimbursement right against borrower or grantor.	S001 §.100(11). No actual reimbursement entitlement is decided.
S_WA-P8-C087	Section .100 preserves prior law for the stated commercial instruments/guaranties executed before June 11, 1998; the affirmative exception uses “after” that date.	S001 §.100(3), (12); S016 §12. The exact-date boundary and complete prior regime remain held.
S_WA-P8-C088	For its owner-occupied, noncommercial scope, .127 preserves specified damages claims despite failure to enjoin, but limits the route to monetary relief and the earlier stated filing period; it does not authorize title invalidation through that section.	S001 §.127(1)–(4). Full claim elements, CPA remedies and judicial construction remain open.
S_WA-P8-C089	Section .135(1) addresses specified bid collusion and permits the trustee to decline completion/delivery and refund under its stated concerns, with express exceptions.	S001 §.135(1)(a)–(d). Ordinary as-is statements, specified financing and good-faith agreements are not automatically collusion.
S_WA-P8-C090	The statute identifies specified mediation/contact/funding violations as CPA violations, but that designation is not an adjudication of all private-remedy elements or an automatic completed-sale reversal.	S001 §.135(2). Obsolete .173/.174 references are not treated as current duties.

The complete deficiency section, including its exceptions and historical application clause, was read. The 2021 and 1998 originals were used to distinguish enacted changes from stricken historical text. app.leg.wa.gov+4

3.7 Version, funding and counting claims — questions 6–7

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C091	The relevant 2025 amendments have distinct January 1, 2026 current and January 1, 2028 future/expiration branches. Future wording was not substituted for the current body.	S009 §§19–20; S010 §§35–36; S011 §512. Full future association-law coverage is excluded.
S_WA-P8-C092	The .190 funding exemption uses a different event and strict threshold from the .166 mediation exemption; its reporting/payment duty is not a borrower cure charge.	S001 §.190(1)–(4); S012 §8. Notices of default and completed trustee sales are not interchangeable counts.
S_WA-P8-C093	The 2026 amendment concerns .157’s loan-closing funding fee and its exclusions; it does not create a foreclosure reinstatement fee.	S026 §1, effective June 11, 2026; S001 §.157. Incorporated public-financing-program eligibility remains outside this pass.
S_WA-P8-C094	The generic RCW computation rule and the WAC business-day definition have different scopes. Neither supports an invented universal foreclosure calendar convention.	S003; S004; S021 -010(7). Backward counting, special statutory language and court-rule interaction remain held where not resolved by the read text.

4. Complete relied-on quantities, relations and trigger register

This register records the quantities actually used in the findings. It does not populate any loan, property, date or financial input.

For unqualified “days,” the source’s own wording is preserved. S003’s general rule is identified separately; it is not silently applied to every backward-counted interval.

4.1 Scope, contact, notice and mediation

ID	Quantity/base and source-stated relation	Actor/reference event; strict/inclusive boundary; exception/counting limit	Claims/source
Q01	Up to four residential units in the express residential branches; .040’s occupant-notice branch uses fewer than five units.	These are property-category boundaries, not proof of occupancy or consumer purpose. General .005 residential definition remains distinct.	C004, C011, C016, C023, C057; S001 §§.005, .030, .031, .040(1), .165.
Q02	Domestic trustee entity branch: at least one officer resident in Washington.	Only that eligibility branch; does not replace incorporated entity-law conditions.	C005; S001 §.010(1)(a).
Q03	Initial statutory paragraph: no less than 12-point, bold; at least three telephone attempts, at different hours/on different days; follow-up after 14 d of no response following completion of call requirements.	Beneficiary/authorized agent. Disconnected-number/live-representative qualifications apply. Contact calls are not the meeting.	C017; S001 §.031(1)(c), (5).
Q04	NOD restriction: 30 d after satisfying due diligence with no response, or 90 d after initial contact initiated if response. Elsewhere initial contact is deemed 3 d after sending, and no-response language uses 30 d after initial contact.	These reference events differ. No single derived date is supplied.	C018; S001 §.031(1)(a), (d).
Q05	Letter: response within 30 d of letter date, an additional 60 d to meet upon response; letter also states 90 d from letter. Written in-person request: within 30 d of initial contact.	Letter date, sending, deemed contact and request are kept separate.	C017–C019; S001 §.031(1)(c)–(f), (4).
Q06	NOD/declaration at least 30 d before sale-notice recording/transmission/service. NOD warning refers to cure within 30 d of mailing or personal service, and auction no less than 120 d, or 150 d if letter received, in the future.	Warning wording is not substituted for .040’s actual sale-notice and default-to-sale requirements.	C020, C056; S001 §.030(8)(g).
Q07	Pre-NOS successor process: response/death-proof request 30 d from request; ownership-proof request period 60 d; required information 20 d after timely proof received.	Distinct request, proof and receipt events. Proof already held need not be re-requested as specified.	C021; S001 §.030(11)(a)–(c).
Q08	Post-NOS successor process: proof request within 5 d; ownership proof received more than 45 d before sale activates information at least 20 d before sale.	“More than” excludes equality in that clause. Postponement is permissive, not automatic.	C022; S001 §.040(7).
Q09	Mediation referral after NOD and no later than 90 d before listed sale; specified amended notice no later than 25 d before listed sale. Statutory notices expressly use calendar days and refer to an amended 45-day notice.	Exact 90/25 boundaries are inclusive as “no later than”; qualification discrepancy between .008(3) and stay-qualified clauses is held.	C025; S001 §§.008, .030(8)(k), .040(3), .160(3), .163(2).
Q10	Commerce action within 10 d of referral notice receipt; borrower documents 23 d from department notice; beneficiary documents 20 d from borrower-document receipt.	Separate actors and triggers; not a single combined response period.	C025–C028; S001 §.163(5)–(6).
Q11	Borrower tax returns: previous two years. Beneficiary balance: accurate within 30 d of document due date. Payment history: 12 months or since default, whichever longer. Valuation: not more than 90 d old at mediation. Economic review: previous 60 d or longer if mediator determines.	Document freshness/lookback periods, not foreclosure waiting periods. NPV/program incorporations remain held.	C026–C028; S001 §.163(6), (11).
Q12	Session within 70 d of mediator receiving department referral; session notice at least 30 d before; mediator may continue once, further continuances require party consent.	Agreed scheduling extension allowed with specified trustee notification.	C028; S001 §.163(8)–(10).
Q13	Certification 7 business days after conclusion. Pre-NOS late-certification fallback permits recording after 10 d from certification due date.	The post-NOS no-sale clause has no matching ten-day fallback. Chapter-specific business-day construction not supplied by the WAC definition.	C030–C032; S001 §.163(15), (19).
Q14	Statutory mediation default not more than $400 for 1–3 hours, subject to waiver/agreement/department authorization; longer mediation subject to reasonable authorized fee. Each party pays one-half. Tender 30 calendar days after department-letter receipt or mediator instructions.	party share = authorized applicable fee ÷ 2; no fee substituted. Current administrative authorization held.	C033; S001 §.163(20).
Q15	Historical May 1, 2016 guidelines authorized $600 for 1–3 hours.	Historical amount only; it is neither the verified current amount nor proof that the statutory default is the current operative charge.	C033; S019, printed pp.27–29/indexes 31–33.
Q16	Current institutional mediation exemption: not more than 250 qualifying sales in preceding calendar year; annual certification no later than January 31; current branch begins January 1, 2024.	Count is completed qualifying Washington trustee sales, not NODs. Exactly 250 is included. Historical 2023 branch is not used for 2026.	C024; S001 §.166(1); S012 §7.
Q17	Conditional senior-beneficiary short-sale response: within 120 d of receipt of qualifying written offer/agreement.	Offer must precede NOD; section does not alter other foreclosure periods.	C035; S001 §.026.

4.2 Servicing, cure and expenses

ID	Quantity/base and source-stated relation	Actor/reference event; boundary/exception/counting limit	Claims/source
Q18	WAC business day: Monday–Friday excluding federally recognized bank holidays.	Applies to the rule chapter’s definition; not automatically imported into every RCW mediation clause.	C094; S021 -010(7).
Q19	Modification status system update every 10 business days; completed-application determination 30 d after receipt; deficiency correction opportunity 10 business days from notice.	Covered state servicing rule; program applicability and completeness remain predicates.	C039; S021 -930(2)(a), (b), (e).
Q20	Denial/rebuttal and internal review provisions use 30 d; appeal generally 30 d from written denial notice, response 30 d after appeal receipt.	Source contains distinct denial-determination/mailing references and specified appeal exclusions. They are not collapsed.	C039, C041; S021 -930(2)(c), (3).
Q21	Complete application prior to 37 d before sale versus between 37 and 15 d before sale; offer response 14 d.	Equality at the stated boundaries and applications closer to sale remain held; no silence-based permission. Acceptance/suspension clauses and -551 still matter.	C040; S021 -930(2)(f)–(i).
Q22	Executed modification copy 30 d after receipt of signed agreement; oral modification written confirmation 30 d after approval.	Separate agreement/approval events; does not prove enforceability of an actual modification.	C041; S021 -930(4).
Q23	Servicer post-sale mailing within 3 business days of completed sale.	Last known supplied address as specified; separate from trustee notices and deed delivery.	C043; S021 -935(2).
Q24	Reinstatement cutoff: prior to the eleventh day before scheduled or actually continued sale; statutory forms say on or before the eleventh day.	Strict/inclusive discrepancy expressly unresolved.	C045; S001 §§.090(1), .040(2)(d), (4).
Q25	statutory monetary cure = amount then due − principal not then due absent default + actual authorized enforcement expenses + reasonable trustee/attorney fees + discontinuance-recording costs.	All noticed defaults and actor/timing/tender predicates apply. No fixed percentage, CPI adjustment or universal arrears-only amount established.	C046–C048; S001 §.090(1)–(4), (6)–(7).
Q26	Authorized subordinate-lien cure advances bear 8% per annum, with the additional stated costs/fees.	Applies to the statutory advance/lien branch, not the underlying loan’s general interest rate. Compounding/day-count convention not stated here.	C049; S001 §.090(5).
Q27	Later pre-sale notice-described tender includes full secured principal, interest, costs/fees/advances and other defaults.	Before sale; no numerical amount or universal post-cutoff right inferred beyond the text.	C050; S001 §.040 statutory notices.
Q28	Trustee written reinstatement/payoff response 10 d after written-request receipt; covered servicer payoff 7 business days after written request.	Different actors, units and scope.	C051; S001 §.040(4); S021 -550(1).
Q29	Covered servicing fee assessed within 45 d incurred; explanation mailed no later than 30 d after assessment. Third-party charge ≤ actual amount paid.	Authorization/reasonableness still required; statement alternative where stated.	C052–C053; S022 §31.04.290(1)(a); S021 -567, -900(3)(e).
Q30	Payment credited/treated as credited within 1 business day of qualifying receipt; uncredited-payment notice mailed within 10 business days; sufficient suspense accumulation applied as of availability.	Correct destination/information, early-payment, written-hold and bankruptcy-order qualifications remain.	C054; S022 §31.04.290(1)(b); S021 -900(3).
Q31	General information statement: statute 15 business days, rule 30 business days or stated program timeline. Detailed documents: 15 business days; history minimum two years or shorter servicing period, extended to earlier claimed delinquency as stated. One annual request free; $30 for second/subsequent request under the rule.	Request-content predicates apply. No conclusion that the longer regulatory period displaces the statute.	C055; S022 §31.04.290; S021 -920; S023.

4.3 Sale, restraint, completion and personal-liability relations

ID	Quantity/base and source-stated relation	Actor/reference event; boundary/exception/counting limit	Claims/source
Q32	Sale notice at least 90 d before sale, or 120 d if .031 letter required; sale not less than 190 d from default.	Separate minimums; letter “required” in .040 is not replaced by the NOD warning’s “received” wording.	C056; S001 §.040(1), (12).
Q33	Publication on/between 35th–28th days and 14th–7th days before sale.	Inclusive windows as stated; separate publication occurrences.	C059; S001 §.040(5).
Q34	Conditional unknown-heir publication once weekly for three consecutive weeks, completed at least 30 d before actual sale.	Requires the specified reasonable-diligence and successor conditions.	C059; S001 §.040(6).
Q35	Sale Friday; if legal holiday, following Monday; incorporated hours 9 a.m.–4 p.m.	Only hours imported from execution statute. No additional holiday adjustment invented if the following Monday also presents an issue.	C060; S001 §.040(9); S002.
Q36	.040 continuances: aggregate ≤120 d. Proclamation route: continuation ≤7 d requires mail at least 4 d before new sale; continuation >7 d requires mail no later than 3 d after proclamation. Alternative route: specified notice plus one publication more than 7 d before new date.	Strict “more than” publication boundary preserved. Does not govern every court-reset mechanism.	C062; S001 §.040(10).
Q37	Restraint application notice 5 d; competent-witness service-proof branch age 18 or older. Periodic restraint payments/security measured at 30-day intervals as stated.	Sheriff/deputy alternative; court conditions differ for matured/nonmonetary obligations. No payment calculation.	C063–C064; S001 §.130(1)–(2).
Q38	Court/stay reset: new sale at least 45 d after qualifying order/event, specified notice at least 30 d before sale, plus publication windows.	Exact .130 branch and valid prior continuation must be established; federal stay event held.	C065; S001 §.130(3)–(5).
Q39	Bid-finality relation conditioned on deed recording within 15 d of acceptance, subject to .050(2).	Physical delivery, recording and acceptance are distinct events.	C066; S001 §.050(1).
Q40	Statutory voiding up to the 11th day following sale; refund no later than third day after postmarked rescission mailing; rescission notice no later than 15 d following voided sale date. Permitted reset at least 45 d after rescission mailing, with specified notice at least 30 d before and ordinary publication windows.	Only listed grounds; reset authorization limited to stated grounds. Mailing/postmark/sale date are not conflated.	C067–C068; S001 §.050(2).
Q41	Sale trustee/attorney fees in aggregate ≤ reasonable attorney fee the county superior court would deem proper for uncontested mortgage foreclosure. Surplus-motion notice at least 20 d before hearing.	Different from reinstatement fee standard; surplus requires statutory deposit/notice/court priority and order.	C070–C071; S001 §.080.
Q42	Conditional non-tenant possession gateway on 20th day after sale.	Required notices and category predicates; no tenant or eviction conclusion.	C072; S001 §.060(1).
Q43	Specified commercial deficiency action within one year after sale, qualified by post-notice written extension and statutory prohibited-action periods; multiple qualifying sales use last sale.	No universal limitation or actual filing date. Exact counting and other law held.	C079; S001 §.100(4).
Q44	guarantor deficiency relation = guarantor amount owed at sale − greater of statutory fair value or sale price + specified contractual interest on deficiency + contract-authorized costs/expenses/fees.	Requires an allowable deficiency branch and adjudicative fair-value determination. Other-security fair-value addition is separately prescribed. No zero floor, rate, rounding or amount invented.	C080–C081; S001 §§.005(8), .100(5).
Q45	Guarantor-principal-residence provision: up to $125,000 from accepted bid before application to guaranty obligation.	Specific .100(6) branch; no homestead indexing/substitution or automatic full payment.	C082; S001 §.100(6); S014.
Q46	.127 damages action: earlier of two years from foreclosure sale or the applicable claim limitation.	Only that section’s owner-occupied/noncommercial monetary-claim branch. No actual deadline or general P3 rerun.	C088; S001 §.127(2).
Q47	.190 report/payment: $250 per property, not per notice; 45 d after calendar-quarter end. Institutional funding exemption uses fewer than 250 NODs in preceding calendar year.	Strict <250 and NOD base differ from mediation’s ≤250 sales. No borrower pass-through inferred.	C092; S001 §.190; S012 §8.
Q48	.157 funding provision uses $80 at loan closing, with statutory exclusions.	Closing-stage funding provision; not added to cure. The 2026 reverse-mortgage/chattel/public-finance exceptions are not an actual eligibility determination.	C093; S001 §.157; S026.
Q49	Generic RCW rule excludes first day, includes last, excluding a last Saturday/Sunday/legal holiday as stated.	No universal backward-counting, business-day or procedural-extension result supplied.	C094; S003–S004.
Q50	Effective/application dates and historical version boundaries are the dates recorded in S009–S017, S023–S024 and S026.	These are legal-version events, not borrower deadlines. Historical 2023 institution rules and expired HAF provisions are not substituted for current law.	C023–C024, C074, C087, C091–C094.

No rounding convention, compounding convention, actual calendar, loan balance, valuation, arrears amount or financial substitution was supplied.

5. Material conditional branches and exact remaining inquiries

This ledger records unresolved predicates without constructing a person, loan, property, instrument, event or transaction.

Branch	Supported conditional consequence	Missing predicate/authority	Adverse inference to avoid	Exact next generic inquiry
B01 — Instrument and obligation	C001/C008 apply only when the qualifying security instrument, activating default and statutory prerequisites exist.	Actual validity, enforceability, terms and default are outside this public-text inquiry.	A recorded instrument proves entitlement to foreclose.	Generic incorporated instrument/obligation rules only, if separately authorized; no actual instrument examination in this pass.
B02 — Agricultural branch	C009 requires judicial foreclosure when the statutory statement is false at both specified times.	Meaning/application of principal agricultural use and both temporal predicates.	Any agricultural association, or a label alone, settles the route.	Complete generic agricultural-use and judicial-foreclosure gateway authorities; judicial construction remains separately held.
B03 — Trustee qualification	C005–C007 distinguish eligibility, appointment and duties.	Recodified Title 30 and repealed chapter 25.04 incorporations; complete entity/title-agent qualification provisions.	A corporate/attorney affiliation or trustee label proves qualification.	Read the exact recodification/replacement and qualification statutes; no entity or roster lookup.
B04 — Holder, owner and agent	C002/C011/C027 preserve holder proof and mediation ownership wording.	Full negotiable-instrument/agency construction and any actual authority.	Holder, owner, recorded beneficiary, servicer and agent are interchangeable.	Generic UCC/agency incorporations needed to reconcile these statutory roles; no named case or loan inquiry.
B05 — Residential, commercial, occupancy and entity scope	C004/C016/C023 apply different category tests.	Loan purpose, unit category, principal-residence status, grantor/vesting category and relevant event.	All residential property is consumer debt; all mediation requires owner occupancy.	Compare complete current scope clauses and material transition text only; actual classification remains excluded.
B06 — Initial-contact clocks	C018 preserves each statutory reference event.	Reconciliation of .031(1)(a), (c), (d), and (4).	The shortest formulation authorizes a default notice.	Any formal public interpretation addressing this exact interaction; judicial construction requires a later separately authorized inquiry.
B07 — Successor treatment	C021–C023 provide conditional information/referral treatment.	Statutory proof, intestacy/title incorporation, timing and authority to represent interests.	Information access or mediation treatment equals accepted assumption or proven title.	Complete generic chapter 11.04 and relevant successor-law incorporations only.
B08 — Institutional mediation exemption	C024 requires category plus annual certification and the sales threshold.	Nested federal institutional definitions and satisfaction of certification predicates.	A general bank/servicer exemption or a low NOD count establishes mediation exemption.	Read nested definitions in 12 U.S.C. §461(b)(1)(A) and current generic Commerce certification instructions; no institution lookup.
B09 — Amended-notice mediation window	C025 establishes the stay-qualified 25-day branch and preserves broader .008(3) wording.	Reconciliation of the provisions and qualification of the amended notice.	Every continuation or amended notice automatically renews referral eligibility.	Formal interpretation of .008(3), .160(3), .163(2), .040(3) together; no actual notice.
B10 — Current mediation fee	C033/Q14 establish statutory default and override authority.	Current operative department fee authorization; linked current guideline failed.	Historical $600 or statutory $400 is necessarily the current payable fee.	A materially different ordinary public official copy of current Commerce authorization/guidelines, with effective/application clause.
B11 — Certification and sale restraint	C031 differentiates pre-NOS fallback from post-NOS no-sale condition.	Referral timing, certification status and all other prerequisites.	Every missing certification permits recording/sale after ten days.	Read any current formal implementation guidance addressing these exact two clauses; no actual certification.
B12 — NPV and program incorporations	C027/C032 recognize required inputs and an injunction basis.	Current applicable federal/FDIC/department calculation, program scope and inputs.	A favorable NPV automatically grants modification or establishes eligibility.	Complete applicable public calculation/program definitions and successor guidance; no values entered.
B13 — CLA scope and old rule cross-reference	C012–C013 limit the WAC overlay by statutory coverage/exclusions.	Exact exemption, waiver scope and 2024 prospective application; WAC -104 retains the older subsection reference.	All servicers are covered, or every license exemption eliminates all duties.	Reconcile current RCW .025(4) with -104 and any adopted corrective rule; no license investigation.
B14 — Application completeness and late timing	C037–C040 distinguish -551(4), -551(6) and -930.	Meaning of application/completeness, equality at 37/15 days, and closer-to-sale applications.	An incomplete or late application necessarily permits foreclosure.	Formal public DFI interpretation or operative amendments addressing those precise interactions; court construction held.
B15 — Information-response conflict	C055 records statute 15 versus rule 30 business days.	Authoritative reconciliation and any later amendment.	The longer rule affirmatively permits delay beyond the statute.	Current enacted text, adopted DFI amendments and formal interpretation of RCW 31.04.290(1)(d)(ii) versus WAC -920(1)(b).
B16 — Eleventh-day cutoff	C045 preserves strict versus inclusive wording.	Judicial/formal construction of .090 versus .040 forms.	An inclusive last-day cure right is settled merely because the form says so.	Exact generic interpretive authority for the discrepancy; no actual deadline calculation.
B17 — Cure base and fee review	C046–C050 separate unaccelerated cure, full tender, costs and fee litigation.	Natural maturity, nonmonetary defaults, authorized expenses and reasonableness.	“Arrears only” always suffices, or fee litigation pauses sale.	Complete generic rules governing the identified expense/maturity question; no loan terms or calculations.
B18 — Continuation versus new setting	C062/C065 give distinct mechanisms.	Prior valid notice, aggregate continuances, qualifying court/stay event and required renotice.	Every reset erases the 120-day limit, or that limit governs every statutory reset.	Read any operative generic rule/formal interpretation distinguishing .040(10) and .130(3)–(5).
B19 — Completion versus statutory rescission	C066–C068 distinguish bid acceptance, delivery, recording and authorized voiding.	Listed rescission ground, actor authority and timing.	A defect automatically reverses a completed sale or creates a borrower rescission election.	Complete public interpretation of .050’s limited grounds and interaction with other remedies; no sale record.
B20 — Proceeds, fees and surplus	C070–C071 establish statutory order and court-controlled surplus.	Valid expenses, lien interests, priority and entitlement.	Surplus automatically belongs wholly to borrower, or sale shortfall is automatically enforceable.	Generic priority/distribution incorporations in a separate pass; no title, lien or amount inquiry.
B21 — Commercial vintage and guarantor branch	C077–C087 depend on purpose, role, notice, instrument date and collateral category.	Exact June 11, 1998 boundary; complete prior regime; guarantor’s own security versus another deed.	All commercial borrowers or guarantors owe the mathematical shortfall.	Read pre-1998 enacted regime and exact-date application authority; no guaranty or loan examined.
B22 — Fair value	C080–C082 require statutory valuation and branch-specific treatment.	Adjudicated fair value, prior encumbrances and additional-security treatment.	Sale price equals fair value, or fixed $125,000 can be replaced with a general homestead index.	Generic valuation and incorporated upset-price provisions only; no appraisal or numerical example.
B23 — Nonwaiver and remedies	C088–C090 preserve specified limited claims/designations.	Full cause-of-action elements, defenses, proof, and remedy restrictions.	Every defect survives sale, invalidates title or guarantees damages.	Complete generic CPA/remedy text and later judicial-construction component if authorized.
B24 — Expired assistance pause	C074 treats .048 as expired.	Exact permanent-closure event and commission’s statutory written notice to the Code Reviser.	Old program language remains current, or a failed search proves no other assistance protection.	Ordinary official publication of that expiration notice/event; no application or contact.
B25 — Federal servicing	State clauses may coexist with independently applicable federal law.	Complete current Regulation X/Z scope, exclusions, definitions, loss-mitigation and servicing clauses and amendments.	State timing displaces federal protection, or a federal threshold is universally applicable.	Separate generic reading of relevant 12 C.F.R. parts 1024/1026 with all scope exceptions. No CFPB guidance used here.
B26 — Bankruptcy and SCRA	.025 incorporates SCRA; .130/.100 recognize specified federal-law events.	Complete federal operative statutes, applicability, exceptions and effective provisions.	State reference proves an actual stay, discharge, military protection or permission to proceed.	Complete generic SCRA and bankruptcy provisions for the exact interface; no status or docket inquiry.
B27 — Tenancy/possession	C072 is only the non-tenant statutory gateway.	Chapter 59.18/59.12 and any federal tenant protection; category and notice predicates.	Twentieth-day language is universal eviction authority.	Separate generic postforeclosure tenancy/possession component.
B28 — Title, family, probate and territorial law	Recording, county venue and role definitions are established textually.	Title, community property, probate, priority, tribal/local/interstate and federal-lien dependencies.	County recording or deed delivery resolves ownership, jurisdiction or priority.	Separate generic governing texts; no land records or identifying facts.
B29 — Version and judicial status	C091 establishes checked current/future statutory branches.	Complete future association implementation, any later unlocated amendment, and unsearched judicial status/construction.	Search absence proves no amendment, stay, vacatur or contrary construction.	Ordinary current official legislative/rule status update and separately authorized judicial-construction inquiry.

6. Wholly blank analytical worksheet

This worksheet contains no legal conclusion, event, person, property, amount, date or completed fact.

Provision/source	Version/application clause	Scope predicate	Actor	Trigger event	Unit/boundary	Required act or consequence	Exception/incorporation	Missing authority

7. Granular scope coverage and retained gaps

“Answered” below means the specified public-text question was answered within the reported read bounds. It does not mean actual application or whole-state acceptance.

Requested component/subquestion	Status in this pass	Source/claim/branch links	Exact retained gap or next inquiry
1 — Instrument/security route	Answered textually	S001 .020; C001, C008	Actual instrument, obligation validity and default excluded; B01.
1 — Beneficiary/borrower/grantor/guarantor/agent roles	Answered definitions; construction partial	C002–C004, C011, C027	Holder/owner/agency incorporations; B04.
1 — Trustee eligibility and successor appointment	Answered statutory categories; incorporation partial	C005–C007	Replacement entity/licensing texts; B03.
1 — Residential/consumer/commercial/agricultural distinctions	Answered textually	C004, C009, C016, C023	Actual category and temporal predicates excluded; B02/B05.
1 — Territorial, recording and physical-presence conditions	Answered specified clauses	C008, C060	Full jurisdiction/interstate/tribal/title law held; B28.
1 — Judicial alternative and mixed collateral	Bounded gateway answered	C014–C015; S006–S007	Full judicial foreclosure, execution, redemption, Article 9 and priority remain open.
2 — Contact and due diligence	Answered operative duties	C016–C019; Q03–Q05	Reference-event reconciliation; B06.
2 — NOD/holder declaration/content/delivery	Answered current clauses	C011, C020	No actual truth, authority or compliance; B01/B04.
2 — Death/successor notices and documents	Answered procedural text	C021–C022	Title/intestacy/assumption qualification; B07.
2 — Mediation scope/exclusions	Answered state text; federal category partial	C023–C025	Nested institution definitions and exact amended-notice interaction; B08/B09.
2 — Referral/documents/session/certification	Answered	C025–C032	Applicable NPV program and formal reconciliation; B11/B12.
2 — Mediation fee	Partial/held current administrative amount	C033; Q14–Q15	Current operative Commerce authorization; B10 and F01.
2 — Declaration/certification versus adjudication	Answered boundary	C011, C027, C030, C034	Evidentiary construction and actual proof held.
3 — Cure eligibility/base/reinstatement/tender	Answered text; cutoff unresolved	C044–C050	Eleventh-day wording and specific maturity/expense questions; B16/B17.
3 — Payoff/information/payment/expense safeguards	Answered; statutory/rule response conflict held	C051–C055	B15; actual fees, payments and accounts excluded.
3 — State modification/loss mitigation	Answered conditional state framework	C037–C043	CLA scope, completeness/late timing, federal program incorporations; B13/B14/B25.
3 — Short sale/pooling agreement	Bounded statutory interface answered	C035–C036	No approval, contractual duty or actual agreement inferred.
3 — Redemption versus discharge	State nonjudicial clause answered; other regimes held	C048, C066, C073, C075	Independent federal/judicial redemption or discharge; B25/B26.
4 — Sale setting and recipients	Answered	C056–C058; Q32	No actual schedule or notice validation.
4 — Publication/heirs/occupant notice	Answered generic requirements	C057–C059	Diligence/title/tenant predicates held.
4 — Conduct/bids/place/hours	Answered statute	C060–C061	No bidding, payment or sale instruction.
4 — Continuance and additional notice	Answered separate mechanisms	C062; Q36	Exact branch interaction/actual prior compliance; B18.
4 — Judicial restraint and reset	Bounded state framework answered	C063–C065	Federal stay and full litigation construction held.
4 — Completion/deed/statutory rescission	Answered	C066–C069	Actual ground/title/evidentiary status held; B19.
4 — Distribution/surplus/reconveyance	Answered route-specific clauses	C070–C073	Priority and independent release clocks excluded; B20.
4 — Former assistance-program pause	Expired status authenticated; exact date unresolved	C074; S012/S020	B24.
4 — Possession/tenancy	Only indispensable gateway	C072	Full tenant/eviction component excluded; B27.
5 — Basic deficiency bar	Answered	C075–C076	No conclusion about every related obligation.
5 — Commercial borrower/guarantor exceptions	Answered current text	C077–C087	Historical exact-date, actual purpose/security/notice and prior-law branches; B21.
5 — Fair value/fixed guarantor residence provision	Answered symbolic text	C080–C082; Q44–Q45	No valuation, amount or general homestead substitution; B22.
5 — Contract, deed-in-lieu and reimbursement	Answered statutory boundaries	C083–C086	No actual or invented agreement reviewed.
5 — Waiver/damages/collusion/CPA designation	Bounded answer	C088–C090	Full cause/remedy and judicial construction held; B23.
6 — Full judicial foreclosure/execution/redemption	Deliberately excluded beyond gateway	C015, C065, C080	Separate component required.
6 — Homestead/title/priority/community property/probate	Deliberately excluded beyond indispensable clauses	S005, C010, C082	B07/B20/B28; P7 not reused.
6 — Federal servicing/SCRA/bankruptcy	Explicit dependencies; no full federal proposition	S001 .025; B25/B26	Complete current federal scope/exception/effective texts required.
6 — Government loans/federal liens/local/tribal/interstate	Held	B12/B25/B28	Separate generic regimes; no eligibility or preemption outcome.
6 — Consumer remedies and judicial construction	Held except narrow statutory boundaries	C088–C090; B23/B29	No cases, opinions, dockets or enforcement records searched.
7 — Current/future/historical/adopted status	Material originals authenticated within read bounds	S009–S017, S023–S027; C091	No assertion of complete historical or future-law reconstruction.
7 — Direct URLs/pinpoints/read bounds	Supplied visibly	§2 source/usage register	Original partial-read limits expressly identified.
7 — Failed routes and different ordinary route	Supplied visibly	§8 below	Current fee and exact HAF expiration event remain open.
Registry dimension 6 beyond this component	Open	Scope boundary	Other secured-debt, judicial foreclosure and sector components remain required.
All earlier Washington components/holds	Preserved unchanged	Supplied scope context only	No P1/P2 patch, P3–P7 acceptance, Washington acceptance or A066 acceptance follows.

8. Read, search and failure log

8.1 Read log

The source/usage tables in §2 are the complete substantive read log: they identify every instrument relied on, exact section bounds, complete versus selected reading, version and material limitations.

Additional navigation and verification steps were:

Step	Ordinary public route/read	Result and evidentiary treatment
R01	Official full chapter 61.24 and individual section bodies.	Current text, future text, cross-references, credits and disposition notes distinguished. All positive claims use actual bodies, not snippets.
R02	Links from RCW credits to enacted 1985, 1998, 2018, 2021, 2023, 2024 and 2025 acts.	Material amendment/application clauses read to the precise extents in S009–S017. Not every cited historical act was read.
R03	Official Commerce program page → current guideline link.	Link discovered but document failed; current fee amount remains held.
R04	Different official route to Commerce’s May 2016 PDF.	Historical text read; did not cure current-guideline gap.
R05	Individual .048 route → official chapter disposition table.	Redirect supplied official expired-status evidence; redirect itself was not treated as a failure.
R06	WAC individual sections and full chapter; RCW 31.04 scope and servicing sections.	State servicing overlay identified and read. Full-chapter route resolved only the .930 body-access gap.
R07	Official WSR permanent order and 2024 Consumer Loan Act amendment.	Adoption/effective text and prospective limitation authenticated; 15/30-business-day discrepancy preserved.
R08	Official U.S. Code pages for the two expressly needed definitions.	Narrow incorporated paragraphs read; nested and broader federal regimes held.
R09	Official session-law navigation: https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/ → https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/ → S027.	2026 affected-section entry led to S026, which was fully read. Index was discovery, not operative authority.
R10	Targeted wording rechecks of current .030, .031, .090, .100, .163, .165, .166 and WAC -551.	Confirmed agricultural conjunction, holder proof, contact clocks, cure wording, complete deficiency exceptions, current mediation scope and application/completeness distinction. No new actual-fact investigation.

8.2 Search log

All searches were generic public-law searches. Search results were discovery until a source body was opened and read.

Batch	Queries used	Disposition
L01	site:app.leg.wa.gov/rcw "Chapter 61.24" "DEEDS OF TRUST"; site:app.leg.wa.gov/rcw "61.24.030" "requisites"; site:app.leg.wa.gov/rcw "61.24.163" "mediation"	Official statute bodies read.
L02	site:app.leg.wa.gov/wac foreclosure mediation 61.24; site:commerce.wa.gov foreclosure fairness laws rules mediation fee 2026	Commerce discovery; initial search coverage did not establish absence of rules.
L03	site:commerce.wa.gov foreclosure "mediation" "fee" "$"; site:app.leg.wa.gov/wac "61.24.033"; site:uscode.house.gov "461" "(A) The term" "depository institution"	Historical official fee PDF and federal definition read.
L04	site:lawfilesext.leg.wa.gov "2025" "393" "NEW SECTION. Sec. 19" foreclosure; site:lawfilesext.leg.wa.gov "2025" "119" "61.24.030"; site:lawfilesext.leg.wa.gov "2021" "290" "61.24.100"	Original acts reached through official routes/credits and read within listed bounds.
L05	site:app.leg.wa.gov "homeowner assistance fund" "Expired"; site:wshfc.org "homeowner assistance fund" "closed" 2026; site:commerce.wa.gov "Foreclosure Fairness" "Guidelines" "2025"	Expired disposition authenticated. Program/closeout search leads did not authenticate the exact legal expiration date.
L06	site:app.leg.wa.gov "61.24.048" "2025"; site:lawfilesext.leg.wa.gov "homeowner assistance fund" "expiration" "2025"; site:commerce.wa.gov "mediation" "$800" OR "$600" OR "$900" "2026"	No verified current administrative fee or exact expiration notice. The 2026 legislative lead was later resolved by S026.
L07	site:app.leg.wa.gov/wac "foreclosure" "mortgage loan servicers"; site:app.leg.wa.gov/wac "foreclosure mediation"; site:lawfilesext.leg.wa.gov "61.24" "2026" "Sections Affected"	Servicing rules identified and read; current legislative index followed.
L08	site:lawfilesext.leg.wa.gov "WSR 18-16-024" "PERMANENT RULES"; site:lawfilesext.leg.wa.gov "2024" "249" "prospectively" "31.04.025"	Adopted order and enacted application clause read.
L09	site:uscode.house.gov "1602" "dwelling" "residential structure"; site:lawfilesext.leg.wa.gov "2026" "61.24.040" "SESSION LAWS"; site:lawfilesext.leg.wa.gov "2026" "208-620-930"	Official federal definition and legislative navigation read. Secondary reproduction leads were not used as authority. Absence of a search hit was not treated as proof of no change.

Within-document searches located relevant definitions, amendment sections, expiration provisions and affected-section entries. A missing text match was not treated as a substantive negative finding.

8.3 Failed routes and unresolved retrievals — not source evidence

Failure ID	Exact route	Observed result	Different ordinary route and remaining consequence
F01	Commerce current-guidelines link: https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe → https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe	Server/tool retrieval failure, reported as 500/inaccessible. No identical retry or access workaround.	Official historical PDF S019 was readable, but current fee authorization remains unresolved.
F02	https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930	Individual-section retrieval failed.	The ordinary official full-chapter URL in S021 supplied the complete rule. Only this exact source-body gap was resolved.
F03	Generic official searches for the assistance-program permanent-closure/expiration notice.	No exact operative notice/date authenticated. This was failed discovery, not a blocked source body.	S020 confirms displayed expired status; S012 supplies the closure-based clause. Exact event/date remains held.
F04	Generic searches for current mediation fee authorization.	No later current authorization verified beyond the inaccessible current-guideline route.	Statutory overrideable default and historical authorization are separately reported; no invented current amount.

No login, API, hidden endpoint, CAPTCHA/security bypass, contact, application, records request, or permission expansion was used.

9. Exact retained interfaces

The following remain separate required investigations:

Full judicial mortgage foreclosure, execution and redemption: only .020/.100/.120 and the indispensable .130/.61.12.060 gateways were read.
Title, perfection, priority, homestead, community property and probate: no land record, title instrument, property, household or lien was investigated. The fixed .100(6) guarantor provision does not complete homestead law.
Tenancy and postforeclosure occupancy: .060’s bounded non-tenant gateway does not complete state or federal tenant protections or eviction procedure.
Bankruptcy, SCRA, federal liens and government loans: state references were identified; complete federal operative scopes, exceptions and application clauses were not supplied.
Regulation X/Z and federal servicing: the state WAC provisions were not presented as federal law. No CFPB circular, bulletin or advisory was relied on, so no withdrawn guidance supplies a proposition here.
Local, tribal and interstate law: no jurisdictional or choice-of-law result is inferred.
Full consumer remedies and judicial construction: no case, opinion, docket, party or enforcement record was searched. Statutory remedies and evidentiary provisions do not establish a private recovery or completed-sale reversal.
P3 mortgage-release/limitation/forfeiture subjects: not rerun. Reading .110 to identify the narrow reconveyance gateway did not import or accept P3’s separate findings.
Other secured-debt categories and the rest of registry dimension 6: open.

10. Researcher self-check — not independent review

Actually read: The current operative statutory and rule bodies listed in the source/usage register; their material exceptions and displayed notes; the specified original adopted amendments/effective/application clauses; the narrow federal definitions; official current program text; and clearly dated historical guidance.

Not claimed as read: Every historical enactment in each source-credit chain; every nested federal or state incorporation; the entire future association-law regime; the inaccessible current mediation guidelines; the exact assistance-program expiration notice; any case/opinion/docket; any actual instrument, account, borrower, property, notice, sale, guaranty, policy or transaction.

Checks performed on the report:

Current, future-effective, historical and expired provisions remain separated.
The source-register IDs are reused for different sections of the same instrument.
Statutory notices, declarations and certifications are not treated as adjudicated facts.
Mailing, sending, service, receipt, recording, acceptance, delivery and completion remain distinct triggers.
Cure, full tender, modification, discontinuance, continuation, judicial restraint, statutory rescission, reconveyance and discharge are not collapsed.
No numerical financial or property example, actual calendar, populated worksheet or operational instruction is supplied.
The five principal unresolved issues—cure cutoff, contact/referral wording, current mediation fee, information-response conflict, and exact historical assistance-pause expiration—remain visible with precise next inquiries.
Earlier Washington reports and their holds are preserved. This pass supplies no Washington-wide, registry-dimension-6, A066, parent, operational or publication acceptance.

END S_WA PASS-08.

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

How to read the research →

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

SWA correction of the C070 coverage pinpoint →
SWA exact original-row completion →
Two bounded source corrections →
1. Exact two-cell replacements →

Captured table 01

Category · Controlling role in this pass · Distinction that must remain · 11 data rows

Category	Controlling role in this pass	Distinction that must remain
Chapter 61.24 RCW	State nonjudicial deed-of-trust framework	An alternative statutory route with its own prerequisites; not a completed judicial foreclosure analysis.
RCW 61.24.030	Preconditions to trustee sale	Default, power of sale, recording, holder proof, notice, and residential prerequisites are separate predicates.
RCW 61.24.031	Covered residential pre-default contact	Does not itself establish mediation eligibility or compel a modification.
RCW 61.24.163–.166	Referral, mediation, certification, scope, institutional exemption	Referral, participation, certification, and an injunction ground are different events.
RCW 61.24.090	Cure and reinstatement	Removes the specified default/acceleration consequences when its conditions are met; not general debt cancellation.
RCW 61.24.040, .050, .130	Sale notice, continuation, sale effect, statutory rescission, court restraint/reset	A continuation, a new setting after restraint, and post-sale statutory rescission are distinct mechanisms.
RCW 61.24.100	Route-specific personal-liability boundaries	A trustee-sale deficiency bar is not a universal declaration that all related obligations disappear.
Chapter 31.04 RCW and chapter 208-620 WAC	Conditional state mortgage-servicing overlay	Coverage and exemptions must be established; not every beneficiary or servicer is automatically covered.
Enacted session laws and adopted WSR order	Amendment, effective-date, expiration, application evidence	A codified page title or webpage update does not establish a clause’s effective date.
Commerce operational material	Program administration and discovery of current instructions	Cannot replace statutory scope or establish a named institution’s exemption.
Federal texts actually read	Narrow incorporated definitions only	No complete federal servicing, bankruptcy, military, government-loan, or federal-lien conclusion is supplied.

Captured table 02

Source ID · Issuer/title and complete literal HTTPS URL · Actual read extent; edition/status; credits and application limits · 12 data rows

Source ID	Issuer/title and complete literal HTTPS URL	Actual read extent; edition/status; credits and application limits
S_WA-P8-S001	Washington Legislature/Code Reviser, Chapter 61.24 RCW—Deeds of trust. https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true	Complete current bodies of the sections listed in §2.2, including statutory notice forms and material notes. Current and future-effective bodies were distinguished. No claim of reading every chapter section or every incorporated title. Section-specific credits and original enactments appear below.
S_WA-P8-S002	Washington Legislature, RCW 6.21.050—Execution sale time/place provisions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050	Complete section read. Latest displayed credit: 2021 c 122 §12. Used only for the hours expressly incorporated by RCW 61.24.040(9); sheriff-sale scheduling and other execution procedures are not transferred to trustee sales.
S_WA-P8-S003	Washington Legislature, RCW 1.12.040—Computation of time. https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040	Complete section read; latest displayed credit 1997 c 125 §1. Generic first/last-day rule identified. Its application to every backward-counted foreclosure period is not adjudicated here.
S_WA-P8-S004	Washington Legislature, RCW 1.16.050—Legal holidays. https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050	Complete subsections (1)–(7) read. Displayed 2025 c 58 §1001 and 2025 c 30 §1 credits/merger material noted. No actual calendar calculation; no assertion that every commemorative day is a legal holiday.
S_WA-P8-S005	Washington Legislature, RCW 6.13.080—Homestead exceptions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080	Complete body read; only subsection (2) used to understand the express cross-reference in RCW 61.24.100(6). Latest credit 2021 c 290 §6. No P7 homestead findings imported or reconstructed.
S_WA-P8-S006	Washington Legislature, RCW 61.12.060—Judicial foreclosure/upset price. https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060	Complete section read; credit 1935 c 125 §1. Used only for the provision displaced by RCW 61.24.100(5) in its commercial-guarantor branch. Full judicial foreclosure remains open.
S_WA-P8-S007	Washington Legislature, RCW 62A.9A-604—Real-property and personal-property collateral; fixtures. https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604	Complete subsections (a)–(d) read; credit 2000 c 250 §9A-604. Bounded current gateway for the obsolete former RCW 62A.9-501(4) reference in .020. Article 9 attachment, perfection, priority, and fixture entitlement are not completed.
S_WA-P8-S008	U.S. House Office of the Law Revision Counsel, 12 U.S.C. §461(b)(1)(A). https://uscode.house.gov/us/usc/119-121/t12/s461/	Complete incorporated paragraph (b)(1)(A) read. Displayed currency through Public Law 119-121, October 9, 2026. Its nested institutional definitions were not fully followed. Washington’s additional “federally insured” condition remains separate.
S_WA-P8-S020	Washington Legislature/Code Reviser, Chapter 61.24 RCW disposition table. https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24	Relevant entries read completely: .048 expired under 2023 c 206 §12; .173 and .174 repeal entries and savings references. This authenticates the displayed disposition, not the exact date of the assistance-program closure event.
S_WA-P8-S021	Washington Department of Financial Institutions/Code Reviser, Chapter 208-620 WAC—Consumer Loan Act rules. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true	Complete bodies of the rules listed in §2.3 read. Latest credits vary by rule. No entire-chapter compliance conclusion. Current .930 body was successfully read through this ordinary full-chapter route after the individual-section route failed.
S_WA-P8-S022	Washington Legislature, Chapter 31.04 RCW—Consumer Loan Act, relied-on section pages: https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290	Complete bodies of these four sections read. Latest displayed credits respectively: 2018 c 62 §9; 2024 c 249 §2; 2018 c 62 §16; 2015 c 229 §35. Used for definitions, exemptions, rulemaking authority, and servicing duties—not a renewed provider-licensing report.
S_WA-P8-S025	U.S. House Office of the Law Revision Counsel, 15 U.S.C. §1602. https://uscode.house.gov/us/usc/119-120/t15/s1602/	Complete (a) and (w) read and relied on; displayed source/amendment notes inspected. Currency through Public Law 119-120, October 7, 2026. “Dwelling” incorporation only; not complete TILA/Regulation Z coverage. Later federal changes through access date were not exhaustively established.

Source links captured in this table

Captured table 03

Complete section URL · Complete current read bounds and use · Latest displayed credit/material boundary · 32 data rows

Complete section URL	Complete current read bounds and use	Latest displayed credit/material boundary
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.005	All definitions; mortgage-role, property, commercial-loan, fair-value definitions used. Association definitions read but association-lien regime excluded.	Current 2025 c 393 §1; effective January 1, 2026, expires January 1, 2028. Future §7 separately identified.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.008	Complete referral timing section, including differing amended-notice wording.	2023 c 206 §1.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.010	Complete trustee eligibility, appointment, resignation, duty provisions and reviser notes.	2012 c 185 §13. Old Title 30 and chapter 25.04 references expressly noted as recodified/repealed; replacement entity regimes not completed.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.020	Complete real-property-security, agricultural, mixed-collateral and recording provisions.	1998 c 295 §3; 1985 application note read; obsolete UCC reference identified.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.025	Complete state SCRA incorporation.	2004 c 161 §5. Federal incorporated act itself not fully read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.026	Complete conditional short-sale-response section and exclusions.	2011 c 364 §1. Conditional fallback language is not treated as the current mediation-exemption rule.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.030	Complete current (1)–(12), all notice contents, death/successor clauses, exceptions and notes.	Current 2025 c 119 §31; future 2024 c 321 §410 effective January 1, 2028.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.031	Complete current (1)–(9), including blank declaration, scope, surrender exception and diligence.	Current 2021 c 151 §4; separate future 2028 text.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.033	Complete model-language authority.	2011 c 58 §16. Historical implementation deadline not used as a current borrower clock.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.040	Complete current (1)–(14), statutory sale/foreclosure/tenant notices, mailing, publication, continuation, successor provisions.	2023 c 206 §3; material 2018 c 306 §2 changes and renumbering noted. Future 2028 text kept separate.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.042	Complete commercial-guarantor notice and consequence clauses.	1998 c 295 §6; obsolete subsection cross-reference noted.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.045	Complete request-for-notice provision.	2018 c 306 §3. No actual request or recording examined.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.050	Complete sale/deed/redemption and statutory rescission provisions; blank rescission form.	2018 c 306 §4; original amendment read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.060	Complete section read; only bounded non-tenant possession gateway used.	2009 c 292 §10. Tenant and unlawful-detainer incorporations remain open.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.070	Complete bidding/payment provision.	1998 c 295 §9.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.080	Complete proceeds, expense cap, surplus deposit, notice and disbursement provisions.	2014 c 107 §2.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.090	Complete (1)–(7), including strict cutoff, expenses, fee review, reinstatement, subordinate advances and tender forms.	1998 c 295 §11; original read. Reviser's note maps former .040(6) to current .040(10).
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.100	Complete (1)–(12), all commercial/guarantor exceptions and historical-application clause.	2021 c 290 §7; 1998 c 295 §12. Both material originals read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.110	Complete section read; only subsection (1) reconveyance gateway used.	2013 c 114 §1. Separate release clocks are not relied on or rerun.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.120	Complete preservation of other foreclosure provisions.	1965 c 74 §12.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.127	Complete damages/nonwaiver provision and owner-occupied/noncommercial restriction.	2011 c 364 §2. Full CPA and judgment-lien incorporations held.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.130	Complete restraint, notice, security/payment, dissolution/reset and bankruptcy-related state clauses.	2018 c 306 §5; original read. Federal stay predicates not established.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.135	Complete section read; subsections (1)–(2) used for collusion/contact/mediation boundaries.	2023 c 206 §11. Surplus-locator contract regime in (3)–(4) excluded.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.157	Complete current loan-closing funding-fee section read for boundary only.	2026 c 156 §1; original fully read. Not a cure or trustee-sale expense authorization.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.158	Complete administrative reporting section read; no separate substantive claim.	2025 c 393 §10.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.160	Complete counselor/contact/referral section.	2023 c 206 §4.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.163	Complete current (1)–(24). Mortgage clauses used; association-specific branches read but not developed.	2025 c 393 §3, effective January 1, 2026. This section is not among the act’s sections expiring in 2028.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.165	Complete current and displayed future scope provisions.	Current 2025 c 393 §4; future §6; material 2023 c 206 §6 and 2021 c 151 §6 changes checked.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.166	Complete current and historical-year exemption branches, certification and retroactivity.	2023 c 206 §7; original and emergency effective clause read.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.169	Complete section read; mediator role and limited evidentiary use of certification used.	2012 c 185 §7. No mediator selection or roster reviewed.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.177	Complete pooling/servicing-duty provision.	2011 c 58 §13. Does not independently establish an actual contractual duty.
https://app.leg.wa.gov/rcw/default.aspx?cite=61.24.190	Complete current funding/reporting and exemption provisions; future version distinguished.	2023 c 206 §8; future association-reference changes identified. Borrower pass-through not inferred.

Source links captured in this table

Captured table 04

Rule and direct URL · Actual complete read/use · Displayed amendment status · 11 data rows

Rule and direct URL	Actual complete read/use	Displayed amendment status
WAC 208-620-010, at https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true	Full definitions. Used: Act, business day, dwelling, and broad foreclosure-referral definition.	Latest WSR 22-24-048, effective December 31, 2022.
WAC 208-620-011, same full-chapter URL	Full definitions/application of residential mortgage servicing, including master/subservicer and nonservicing-investor boundaries.	WSR 18-24-013, effective January 1, 2019.
WAC 208-620-104, -230, -231, -232, same full-chapter URL	Full scope/exemption/waiver bodies read. Used to limit the servicing overlay; no entity license conclusion.	-104/-230: WSR 18-24-013; -231: WSR 18-16-024; -232: WSR 19-21-157. The -104 statutory subsection reference predates the 2024 renumbering.
WAC 208-620-550. https://app.leg.wa.gov/wac/default.aspx?cite=208-620-550	Full rule read; subsection (1) payoff response used. Unrelated student-loan, general business, and reconveyance-clock subjects not developed.	WSR 19-21-157, effective November 24, 2019.
WAC 208-620-551. https://app.leg.wa.gov/Wac/default.aspx?cite=208-620-551	Full (1)–(9). Used for waivers, unauthorized charges, misapplication, referral and collection restrictions. Force-placed-insurance regime excluded from substantive conclusions.	WSR 18-16-024, effective September 1, 2018.
WAC 208-620-567, at full-chapter URL	Full default-fee rule.	WSR 18-16-024.
WAC 208-620-900, at full-chapter URL	Full transfer, crediting, suspense, assessment/notice, oversight provisions.	WSR 18-16-024.
WAC 208-620-905, at full-chapter URL	Complete escrow rule read for boundary; no full escrow/insurance entitlement conclusion.	WSR 18-16-024.
WAC 208-620-920, at full-chapter URL	Full information/error provisions, including both response tracks and fee limits.	WSR 18-16-024.
WAC 208-620-930, at full-chapter URL	Full (1)–(9), including complete-application, sale-proximity, appeal, confirmation and short-sale-information clauses. Individual URL failure is separately logged.	WSR 18-16-024.
WAC 208-620-935. https://app.leg.wa.gov/WAc/default.aspx?cite=208-620-935	Complete pre-referral file-support and post-sale mailing rule.	WSR 18-16-024.

Source links captured in this table

Captured table 05

Source ID · Issuer/title and literal HTTPS URL · Actual read bounds; effective/application findings; limitations · 15 data rows

Source ID	Issuer/title and literal HTTPS URL	Actual read bounds; effective/application findings; limitations
S_WA-P8-S009	Washington Legislature, 2025 c 393, SSB 5686. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1	Parsed text: complete §§1, 3, 4, 19–20; selected surrounding/future sections, including §7. §§19–20 at printed p.60/PDF index 60 read completely. Current relevant §§1–4 effective January 1, 2026; §§5–7 effective January 1, 2028. Expiration list includes §§1, 2, 4, but not §3. Not entire act.
S_WA-P8-S010	Washington Legislature, 2025 c 119, SSB 5129. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31	Cover, substantial selected §31 text, and complete §§35–36 at printed p.82/index 82. Cover effective July 27, 2025; §31 expires January 1, 2028. Original §31 was not read continuously in its entirety; current codified .030 was.
S_WA-P8-S011	Washington Legislature, 2024 c 321, SSB 5796. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410	Selected §410 opening; complete §512, printed p.196/index 196. §§401–432 effective January 1, 2028. Full future association-law consolidation not audited.
S_WA-P8-S012	Washington Legislature, 2023 c 206, SHB 1349. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4	Complete §§1, 6–9, 12–13; selected §2. §7 at printed p.30/index 30; §§12–13 at pp.35–36/indexes 35–36. General effective July 23, 2023; §§7–9, 12 effective May 1, 2023. §7 expressly retroactive to January 1, 2023. Historical HAF pause and its closure-based expiration read.
S_WA-P8-S013	Washington Legislature, 2021 c 151, SHB 1108. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2	Selected §4; complete §6 and §§13–17. Relevant immediate provisions effective May 3, 2021; other listed provisions January 1, 2022; repeal/savings provisions June 30, 2023. Not a complete historic regime reconstruction.
S_WA-P8-S014	Washington Legislature, 2021 c 290, SSB 5408. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7	Complete §7, printed pp.5–7/indexes 5–7; §8 emergency clause and approval material. Effective May 12, 2021. Authenticates the specific fixed $125,000 guarantor-residence provision. Historical retroactive application not assumed.
S_WA-P8-S015	Washington Legislature, 2018 c 306, SSB 2057. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1	Cover; selected §1; complete §§4–5, printed pp.20–24/indexes 20–24; end material. Effective June 7, 2018. Used for holder-wording amendment and complete rescission/restraint amendments; not entire act.
S_WA-P8-S016	Washington Legislature, 1998 c 295, SSB 6191. https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12	Complete §§11–12, printed pp.19–23/indexes 19–23; cover/end. Effective June 11, 1998. Stricken former obligation-satisfaction language was distinguished from enacted text. Pre-1998 law not reconstructed.
S_WA-P8-S017	Washington Legislature, 1985 c 193. https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3	Complete §5 application clause, PDF index 10; other selected text. Current codified note identifies July 28, 1985. Exact §5 is the pinpoint; no unverified printed-page number supplied. Applies to notices of default issued after the effective date.
S_WA-P8-S018	Washington Commerce, Foreclosure Fairness Program. https://www.commerce.wa.gov/homeownership/foreclosure-fairness/	Generic program body, FAQ/referral and fee-sharing statements read. Displayed page update July 21, 2026 is not a legal effective date. Current guidelines link discovered; linked document inaccessible. No exemption roster or provider examined.
S_WA-P8-S019	Washington Commerce, Foreclosure Fairness Program Guidelines, May 1, 2016. https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf	Cover and fee/scheduling material, printed pp.27–29/PDF indexes 31–33, read. Historical official guidance, not current fee authorization.
S_WA-P8-S023	Washington DFI, WSR 18-16-024, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm	Header, adoption/authority statement and complete amendments to -551, -567, -900, -905, -920, -930, -935 read; selected definitions. Adopted/filed July 24, 2018; effective September 1, 2018. Header expressly identifies the information-response change from 15 to 30 business days.
S_WA-P8-S024	Washington Legislature, 2024 c 249, SSB 6025. https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm	Complete act §§1–5 read; §§2 and 5 relied on. Effective June 6, 2024. Prospective application; pre-effective-date loans excluded unless renegotiated or modified after that date.
S_WA-P8-S026	Washington Legislature, 2026 c 156, SSB 5938. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1	Complete cover, §1 and end, printed pp.1–3/PDF indexes 1–3. Effective June 11, 2026. Amends the loan-closing funding fee/exclusions; does not supply a cure charge.
S_WA-P8-S027	Washington Legislature/Code Reviser, 2026 RCW Sections Affected table. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf	Relevant Title 61 row, printed p.10/PDF index 9, and relevant searches read. Dated April 2, 2026; discovery/version cross-check only. Led to S026. It is not operative law or proof of absence of later changes.

Source links captured in this table

Captured table 06

Claim ID · Precise assertion · Sources/pinpoints; conditions and limits · 15 data rows

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C001	A deed of trust within .020 conveys real property to secure performance of an obligation and may use the chapter’s trustee-sale route. Mortgage law otherwise applies except as the chapter provides.	S001 §.020, complete section. Security, obligation validity and sale prerequisites remain separate.
S_WA-P8-C002	The chapter defines beneficiary by holding the instrument or document evidencing the secured obligation, excluding a person holding it as security for a different obligation.	S001 §.005(4). Recorded designation alone is not examined here as proof of holding.
S_WA-P8-C003	Borrower, grantor and guarantor are distinct statutory roles: liability on the principal obligation; encumbering an interest; and a nonborrower’s separate written guaranty, respectively.	S001 §.005(5), (9), (10). The borrower definition includes specified general-partner and written-successor-liability branches. No actual agency or liability is inferred.
S_WA-P8-C004	“Commercial loan” turns on primary purpose other than personal, family or household use. “Owner-occupied” means the borrower’s principal residence. The general residential definition and express “up to four units” clauses must be read separately.	S001 §.005(6), (13), (16); §§.030, .031, .165. A residential building does not by itself settle commercial-purpose classification.
S_WA-P8-C005	Trustee eligibility is restricted to the categories in .010(1): qualifying domestic entities, authorized title insurers/licensed title agents, qualifying Washington attorneys and attorney entities, a U.S. agency/instrumentality, or specified federally chartered banking institutions.	S001 §.010(1)(a)–(f). The domestic-entity branch includes a Washington-resident-officer condition. Incorporated entity/licensing statutes and obsolete references are held; no actual trustee qualification is established.
S_WA-P8-C006	A successor trustee receives the chapter’s trustee powers through the beneficiary’s appointment recorded in every county where the deed of trust is recorded. Resignation has its own written-notice and recording requirements.	S001 §.010(2). Merely using the label “successor trustee” does not establish this predicate.
S_WA-P8-C007	The statute disclaims a trustee fiduciary duty to the grantor or other interested persons, while expressly imposing good faith toward borrower, beneficiary and grantor.	S001 §.010(3)–(4). These are separate clauses; neither eliminates the other.
S_WA-P8-C008	Sale prerequisites include a power of sale, an activating default under the secured obligation or grantor covenant, county recording, and the trustee’s required Washington physical address/presence/telephone throughout the specified period.	S001 §.030(1), (3), (5)–(6). None establishes debt validity or actual compliance.
S_WA-P8-C009	If the deed’s required nonagricultural-use statement is false both when granted or amended to include it and at sale, judicial foreclosure is required.	S001 §.030(2). Agricultural production includes crops, livestock or aquatic goods. No property-use classification is made.
S_WA-P8-C010	A pending beneficiary action seeking satisfaction generally prevents this trustee-sale route, subject to the receiver/property-preservation and commercial-other-collateral exceptions stated in .030(4).	S001 §.030(4). The incorporated homestead/rents branch is identified but not completed.
S_WA-P8-C011	For residential property up to four units, the trustee must have holder proof before recording, transmitting or serving the sale notice. A beneficiary declaration under penalty of perjury is statutorily sufficient, with reliance conditioned on the trustee’s good-faith duty.	S001 §.030(7). This is a procedural proof provision, not a finding that an actual declaration is true. Association exceptions are separate.
S_WA-P8-C012	The state servicing overlay depends on Consumer Loan Act scope: residential mortgage purpose/security, servicing activity, and statutory/rule coverage, including specified Washington-resident/property connections.	S022 §§31.04.015(13), (24), (25), (29), .025; S021 -011, -230, -231. Investor ownership without servicing activity is not automatically the regulated servicing role.
S_WA-P8-C013	CLA exemptions are conditional, including specified banking-law activities, public/qualified housing programs and other categories. The business/commercial/agricultural exclusion does not extend as written to loans secured by the borrower’s primary dwelling. Exemption/preemption is not presumed.	S022 §31.04.025(4)–(6); S024 §§2, 5. A licensing waiver is not treated as a waiver of every substantive duty. The 2024 amendment has an express prospective-application limitation.
S_WA-P8-C014	Mixed real/personal collateral requires a separate UCC branch. The current .9A-604 text permits specified personal-property-only or real-property-route treatment, but does not establish attachment, perfection or priority.	S001 §.020 and reviser note; S007 §62A.9A-604(a)–(d). Former .9-501(4) is not treated as current operative text.
S_WA-P8-C015	Judicial mortgage foreclosure remains a statutory alternative, and .100 expressly says its deficiency section does not apply to that foreclosure.	S001 §§.100(8), .120. No conclusion follows about the full judicial route’s deficiency, execution or redemption rules.

Captured table 07

Claim ID · Precise assertion · Sources/pinpoints; conditions and limits · 21 data rows

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C016	Section .031’s contact regime applies to its recorded residential-up-to-four-unit category, with commercial-loan, specified third-party-grantor, seller-financed and listed association exclusions. Its contact/diligence subsections also have a written-surrender/key-delivery exception.	S001 §.031(6)–(8). The seller-finance definition is statutory; an ordinary servicer label is not an exemption.
S_WA-P8-C017	Due diligence requires the specified initial dual-mail letter, telephone attempts, conditional follow-up certified letter, live contact availability and website information if a website exists. Telephone contact does not itself constitute the statutory meeting.	S001 §.031(1)(b)–(c), (5)(a)–(e). Exact quantities are Q03–Q05. Disconnected-number and live-representative qualifications remain.
S_WA-P8-C018	The statute uses different contact timing formulations: satisfaction of due diligence, initiation of initial contact, deemed contact after sending, and the letter’s own date. They are not collapsed into one universal default-notice date.	S001 §.031(1)(a), (c)–(d), (4). Textual interaction held, B06.
S_WA-P8-C019	A requested meeting must precede the default notice and address ability/options. Telephone is permitted unless a timely written in-person request is made; county location and resolution-authority conditions apply. An offered workout requires borrower approval.	S001 §.031(1)(e)–(f), (3)–(4). No compelled modification or agreement follows.
S_WA-P8-C020	The default notice and, for the covered residential category, holder declaration have dual-mail plus posting-or-personal-service requirements before the sale notice. Required contents include alleged default, itemized arrears/charges, reinstatement total, court recourse, role/contact information and applicable mediation language.	S001 §.030(8)(a)–(m), (9); §.031(2), (9). Sending, posting, personal service and receipt are not interchangeable.
S_WA-P8-C021	Known death and a pre-sale-notice written successor claim activate additional notice/document-request/information duties. Timely proof can establish treatment under the section, but the statute does not require assumption or modification approval.	S001 §.030(10)–(11), complete clauses. Probate/intestacy and actual title are held.
S_WA-P8-C022	A successor claim after sale-notice recording has a different response and information timetable; the trustee may postpone in the stated circumstances.	S001 §.040(7). The permissive postponement is not converted into an automatic stay.
S_WA-P8-C023	Current mortgage mediation scope is recorded residential property up to four units, subject to .165(2)’s exclusions, including commercial, specified nonborrower/nonguarantor grantor, seller-finance and entity-grantor/entity-vesting branches. Current successor/dissolution provisions do not impose the former occupancy wording or an assumption duty.	S001 §.165(1)–(2), (4)–(5); S012 §6; S013 §6; S009 §4. Association mediation is a separate branch.
S_WA-P8-C024	The institutional mediation exemption requires the specified federally insured depository category and annual perjury certification tied to no more than 250 qualifying Washington trustee sales in the preceding calendar year.	S001 §.166(1); S008 §461(b)(1)(A); S012 §7. It is not a blanket exemption for all servicers or all small beneficiaries. Nested federal institutional definitions remain held.
S_WA-P8-C025	Mortgage mediation requires referral by a housing counselor or attorney within the statutory window, or later written voluntary agreement. The principal amended-notice rule expressly concerns a notice after a .130 stay; .008(3) uses broader wording.	S001 §§.008(2)–(3), .160(3), .163(1)–(5). No borrower self-referral or universal amended-notice reset is inferred.
S_WA-P8-C026	The borrower’s mediation document package includes financial information, tax returns, hardship information and applicable program information, transmitted to mediator and beneficiary on the statutory timetable.	S001 §.163(6)(a). Only the public categories were read; no worksheet or private information was obtained.
S_WA-P8-C027	The beneficiary’s package includes note/deed, balance and payment information, charges, note-ownership proof, valuation, modification-denial explanation, relevant NPV inputs and claimed investor restrictions/waiver efforts.	S001 §.163(6)(b)(i)–(x). The section says ownership proof and permits the .030 holder declaration as sufficient proof; that wording is preserved rather than silently equated.
S_WA-P8-C028	Mediation has a department-notice, scheduling, advance-notice, attendance/authority and continuance framework. An agreed scheduling extension requires notice to the trustee of the expected certification date.	S001 §.163(5), (8)–(10). In-person attendance and remote resolution authority are distinct permissions.
S_WA-P8-C029	Good-faith obligations include timely participation, documents and adequate settlement authority. Conditioning modification on waiver of future claims is listed as potential bad faith, subject to the express TILA-rescission and pending-claim qualifications.	S001 §.163(13)(a)–(d). No complete TILA rescission or waiver-enforceability analysis follows.
S_WA-P8-C030	The mediator issues the specified certification after conclusion. A reasonable belief that the borrower will not attend permits the separate cancellation/notification route. Neither event adjudicates all foreclosure prerequisites.	S001 §.163(14)–(16), (18). “May proceed” remains subject to other applicable requirements.
S_WA-P8-C031	A pre-recording referral generally prevents sale-notice recording until certification, with the stated late-certification fallback. A referral after recording prevents the sale until certification; that clause does not contain the same fallback.	S001 §.163(19)(a)–(b). Exact timing in Q13.
S_WA-P8-C032	Beneficiary bad-faith certification supplies a rebuttable defense to the present nonjudicial foreclosure. The stated favorable-NPV/no-affordable-offer condition supplies a basis for injunction. Neither mandates a loan modification.	S001 §.163(17). Judicial foreclosure and a later foreclosure following an agreed modification and later default are expressly distinguished.
S_WA-P8-C033	The codified mediation fee is an overrideable default, with equal party shares and a payment timetable. The actual currently authorized administrative amount remains unverified.	S001 §.163(20); S018; historical S019. Current Box guideline route failed; historical authorization is not carried forward.
S_WA-P8-C034	The mediator has statutory qualifications/approval and a limited role. Certification and specified materials may be admissible subject to court rules; they are not automatically adjudicated facts.	S001 §.169, complete section. No mediator or court-record inquiry was performed.
S_WA-P8-C035	The conditional owner-occupied short-sale-offer provision requires a senior beneficiary response to a qualifying pre-default-notice written offer, but preserves its choice and expressly does not change the chapter’s foreclosure periods.	S001 §.026(1)–(6). Exclusions include commercial, specified third-party-grantor, seller-financed and mediation-exempt-beneficiary branches.
S_WA-P8-C036	Section .177 addresses an existing servicer duty under a pooling/servicing agreement and specified default/imminent-default and NPV conditions.	S001 §.177. It does not establish that every servicer has such an agreement or an unconditional duty to modify.

Captured table 08

Claim ID · Precise assertion · Sources/pinpoints; conditions and limits · 7 data rows

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C037	The rule’s foreclosure-referral definition reaches steps in furtherance of foreclosure, not merely delivery to an outside trustee. Rule -551(4) prohibits referral after receipt of a modification application until evaluation for all available modifications; that subsection does not use “complete.”	S021 -010(38), -551(4). No actual application or internal status was examined.
S_WA-P8-C038	Rule -551(6) separately prohibits collection activity while a complete modification application is under review or while payments are being made under a trial/permanent modification, including activity by others on the servicer’s behalf.	S021 -551(6); S023 adopted text. Completeness and performance are predicates, not assumed facts.
S_WA-P8-C039	The state modification rule supplies status-access, determination, deficiency-notice/correction and denial-explanation requirements for its applicable program branch.	S021 -930(1), (2)(a)–(f). Conditional HAMP/GSE references do not establish current federal-program availability.
S_WA-P8-C040	The rule distinguishes complete applications received before the 37-day point and those submitted between the 37- and 15-day points, with review/offer-response and suspension provisions.	S021 -930(2)(f)–(i). Exact equality boundaries, applications closer to sale, and interaction with -551 remain held; no permission to foreclose is inferred from silence.
S_WA-P8-C041	The rule provides an appeal process with stated exclusions, response timing, and written modification/forbearance confirmation duties.	S021 -930(3)–(5). No guaranteed approval follows from a procedural right.
S_WA-P8-C042	A servicing transfer must preserve specified pending modification work and existing trial/permanent agreements under the state rule, with an express state/GSE-program-conflict qualification.	S021 -900(2). Transfer does not itself establish modification approval or cure.
S_WA-P8-C043	Before referral, the servicer’s file must support default, foreclosure rights and ownership; after a completed foreclosure sale, the rule requires a separate borrower mailing.	S021 -935(1)–(2). File contents are a requirement, not proof that an actual foreclosure is lawful.

Captured table 09

Claim ID · Precise assertion · Sources/pinpoints; conditions and limits · 12 data rows

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C044	The statutory reinstatement mechanism is available to the listed borrower, grantor, guarantor, subordinate deed-of-trust beneficiary and recorded subordinate lien/encumbrance holder.	S001 §.090(1). No actual actor’s standing is established.
S_WA-P8-C045	The operative cure subsection uses a strict “prior to” eleventh-day formulation; statutory notices use inclusive “on or before” wording. The exact boundary is held rather than resolved favorably.	S001 §§.090(1), .040(2)(d), (4); S016 §11. B16.
S_WA-P8-C046	Monetary cure consists of amounts then due excluding principal that would not yet be due absent default, plus the specified actual enforcement expenses and reasonable fees.	S001 §.090(1)(a)–(b). Naturally matured principal is not automatically excluded; not a universal arrears-only rule.
S_WA-P8-C047	A person entitled to discontinue may seek a fee-reasonableness determination in a court with jurisdiction other than small claims. That fee action does not itself forestall or invalidate the sale.	S001 §.090(2). Possible prevailing-party costs/fees are discretionary statutory language, not an actual award.
S_WA-P8-C048	Qualifying cure results in discontinuance and reinstatement as though acceleration had not occurred; nonmonetary default and recording/tender requirements remain separately stated.	S001 §.090(3)–(4), (6)–(7). Cure does not erase the underlying obligation.
S_WA-P8-C049	A recorded subordinate lienholder curing under .090 may add the authorized advances, specified interest and enforcement expenses to its lien.	S001 §.090(5). No priority or actual secured amount is adjudicated.
S_WA-P8-C050	The statutory notice describes a later, pre-sale discontinuance route requiring the secured principal, interest, costs/fees/advances and cure of other defaults, rather than only the unaccelerated arrears.	S001 §.040(2)(d), (4), read with .090. It is not a universal tender rule overriding every other legal dependency.
S_WA-P8-C051	The trustee’s statutory written reinstatement/payoff-response requirement and the covered servicer’s payoff-response rule have different actors and units.	S001 §.040(4); S021 -550(1). Q28.
S_WA-P8-C052	Covered servicing fees require the stated authorization and default-service reasonableness; third-party charges may not exceed actual payment. Rules also prohibit specified unagreed charges and use of suspense funds for the servicer’s own fees.	S021 -567; -551(1)(d), (3)(c), (5). This is not a dollar tariff for all trustee expenses.
S_WA-P8-C053	Statute and rule impose fee-assessment and mailed-explanation timing, with the statement alternative where stated.	S022 §31.04.290(1)(a); S021 -900(3)(e). Q29.
S_WA-P8-C054	Payment crediting and suspense treatment have specific receipt, information, timing and full-payment conditions; they are not equivalent to statutory reinstatement.	S022 §31.04.290(1)(b); S021 -900(3)(a)–(d). Written-hold and bankruptcy-order qualifications are not extended beyond their text.
S_WA-P8-C055	The statute requires its general information statement within 15 business days; the regulation states 30 business days or the specified program timeline. A separate detailed-document track states 15 business days and limited repeat-request charges.	S022 §31.04.290(1)(d), (2); S021 -920(1)–(5); S023. No permission to use the longer period is inferred. Both texts also require correction/refund of identified servicing errors.

Captured table 10

Claim ID · Precise assertion · Sources/pinpoints; conditions and limits · 19 data rows

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C056	The sale-notice lead time depends on whether the .031 letter is required, and a separate default-to-sale minimum also applies.	S001 §.040(1), (12). These are cumulative predicates, not alternative universal sale dates.
S_WA-P8-C057	Sale-notice recording, dual mailing, recipient selection and occupant posting/service are separate statutory acts. Recipient categories include specified recorded interests, requesters and occupants, subject to the statute’s knowledge/address and foreclosure-interest qualifications.	S001 §.040(1)(a)–(e), (14); §.045. A recording or one mailing alone is not full compliance.
S_WA-P8-C058	Notice of default, notice of trustee’s sale and notice of foreclosure have different content and delivery functions. The foreclosure notice includes the specified note/deed material. A beneficiary/servicing transfer alone does not require a new sale notice under .040(2).	S001 §§.030(8), .040(2)–(4). Other transfer duties remain; no actual notice is approved.
S_WA-P8-C059	Publication has two specified sale-relative windows; unknown-heir notice has an additional conditional publication route.	S001 §.040(5)–(6). The heir route requires its diligence/successor predicates.
S_WA-P8-C060	The sale is a public auction at a designated public place in the property’s county, on the stated weekday/holiday rule and during incorporated hours.	S001 §.040(8)–(9); S002 §6.21.050(1), hours only. No actual scheduling permission.
S_WA-P8-C061	Property may be offered whole or in parcels; the trustee cannot bid. Beneficiary credit bidding is limited to the secured monetary obligation, with excess payable as specified; other bidders’ payment forms are separately stated.	S001 §§.040(8), .070. No bid, title or distribution is calculated.
S_WA-P8-C062	Discretionary continuances under .040(10) have an aggregate limit and alternative proclamation/mail or notice/publication mechanisms.	S001 §.040(10)(a)–(b). Neither unlimited extensions nor one universal notice period is established.
S_WA-P8-C063	Specified interested persons may seek court restraint on proper legal or equitable grounds, with statutory advance notice and proof-of-service requirements.	S001 §.130(1)–(2). This is a generic statutory remedy gateway, not advice to file or a finding that relief is available.
S_WA-P8-C064	Court restraint may require recurring payments/security under the section, with distinct treatment of periodic-payment, fully matured and nonmonetary defaults and consideration of equity.	S001 §.130(1)(a)–(c). No required payment amount is supplied.
S_WA-P8-C065	Dissolution of an injunction and the specified bankruptcy-stay event have separate new-setting/notice provisions; a properly continued sale may instead use the statute’s stated alternative.	S001 §.130(3)–(6). Continuing a date is not permission to conduct a sale during a stay. Federal predicates remain held.
S_WA-P8-C066	Physical delivery of the deed conveys the described grantor interests. The accepted bid is final as of acceptance if the deed is recorded within the stated period, subject to statutory rescission; the state section supplies no post-sale redemption right.	S001 §.050(1)–(2). Federal or other independent rights are not resolved.
S_WA-P8-C067	The authorized trustee/beneficiary/agent may void a sale within the specified period for the listed process-error, prior loss-mitigation agreement, or accepted full-cure/satisfaction grounds.	S001 §.050(2)(a). This is discretionary statutory authority, not an automatic borrower reversal right.
S_WA-P8-C068	Statutory rescission has separate refund and dual-mail notice clocks. The specified error/agreement grounds permit a reset only with the new minimum date and notice/publication conditions.	S001 §.050(2)(b)–(d). The accepted-cure ground is not silently added to the reset authorization.
S_WA-P8-C069	Trustee-deed recitals have the stated evidentiary effect, including protection of qualifying bona fide purchasers. An interest whose holder did not receive required notice is not affected as specified by .040(11).	S001 §.040(11). No actual purchaser status, title priority or universal cure of defects is established.
S_WA-P8-C070	Sale proceeds first pay authorized sale expenses, subject to the stated aggregate reasonableness benchmark for trustee/attorney fees, then the secured obligation.	S001 §.080(1)–(2). This distribution fee benchmark is distinct from .090 reinstatement expenses.
S_WA-P8-C071	Remaining proceeds follow the clerk-deposit, notice and court-disbursement process. Eliminated liens attach to surplus in court-determined priority; surplus is not automatically payable entirely to the borrower.	S001 §.080(3). Motion notice and hearing period appear in Q41.
S_WA-P8-C072	The section states a conditional twentieth-day possession gateway against specified non-tenant occupants/interests after required notices.	S001 §.060(1). Tenant rights and chapter 59.12 procedure remain open; no eviction or possession instruction follows.
S_WA-P8-C073	Reconveyance under .110(1) has its own written-request/satisfaction conditions. A deficiency bar, cure, discontinuance and reconveyance are not treated as interchangeable events.	S001 §.110(1). Separate release clocks are excluded.
S_WA-P8-C074	Former .048’s homeowner-assistance-program postponement regime is officially marked expired under the enacted closure-based expiration clause.	S020 disposition entry; S012 §§9, 12–13. Exact program-closure/expiration date and required written notice were not authenticated; the old pause is not presented as current.

Captured table 11

Claim ID · Precise assertion · Sources/pinpoints; conditions and limits · 16 data rows

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C075	After a trustee sale under the deed of trust, deficiency judgment on its secured obligations against borrower, grantor or guarantor is barred except to the extent .100 permits for commercial loans.	S001 §.100(1). This is tied to the obligation secured by the deed actually sold under.
S_WA-P8-C076	The chapter preserves an action on liability before sale notice or after discontinuance, and permits later foreclosure after completion or dismissal of that action, subject to other requirements.	S001 §.100(2). No actual enforcement election is made.
S_WA-P8-C077	The post-1998 commercial borrower/grantor exception is limited by beneficiary/affiliate purchase, fair-value shortfall, timely notice and specified waste/wrongfully retained proceeds; it excludes the borrower’s principal residence at sale.	S001 §.100(3)(a). It is not a general commercial-borrower shortfall remedy.
S_WA-P8-C078	A commercial guarantor deficiency branch requires timely .042 notice and the other .100 conditions. Omission of that special notice does not itself invalidate other notices or the trustee sale.	S001 §§.100(3)(c), .042, complete sections.
S_WA-P8-C079	The specified commercial deficiency actions have a one-year sale-based period, qualified by later written agreement after foreclosure notice and statutory prohibition periods; multiple qualifying sales use the last sale.	S001 §.100(4). This is the route-specific clause only; no P3 limitations analysis or actual deadline is supplied.
S_WA-P8-C080	The commercial-guarantor fair-value mechanism is adjudicative and uses the statutory deduction relation, contractual interest and authorized costs. Fair value has a sale-date, prior-encumbrance and market-exposure definition.	S001 §§.005(8), .100(5); S006. Symbolic relation in Q44; not a bid-price-only calculation.
S_WA-P8-C081	Commercial other-collateral enforcement is preserved; if other security is sold before guarantor deficiency judgment, its fair value is added under the specified valuation rule.	S001 §.100(3)(b), (5). Full collateral priority and enforcement regimes remain open.
S_WA-P8-C082	A guarantor who gives a deed of trust securing its commercial guaranty has the narrower stated liability branch; if that deed encumbers the guarantor’s principal residence, the statute provides up to $125,000 from the accepted bid before application to the guaranty obligation.	S001 §.100(6); S005 §6.13.080(2); S014 §7. This fixed provision is not replaced by a county-based homestead figure.
S_WA-P8-C083	Acceptance of a deed in lieu under a commercial-loan deed of trust exonerates the guarantor except to the extent the guarantor agrees otherwise as part of that transaction.	S001 §.100(7). No actual agreement or transaction is examined.
S_WA-P8-C084	Express contract language may prohibit recovery of some or all commercial deficiency after trustee sale.	S001 §.100(9). No waiver or contract term is presumed.
S_WA-P8-C085	The commercial trustee-sale rule does not preclude enforcement of an obligation, or its substantial equivalent, that was not secured by the foreclosed deed of trust.	S001 §.100(10). Whether an obligation is genuinely separate remains held.
S_WA-P8-C086	Unless otherwise agreed, a trustee sale does not impair the guarantor’s specified reimbursement right against borrower or grantor.	S001 §.100(11). No actual reimbursement entitlement is decided.
S_WA-P8-C087	Section .100 preserves prior law for the stated commercial instruments/guaranties executed before June 11, 1998; the affirmative exception uses “after” that date.	S001 §.100(3), (12); S016 §12. The exact-date boundary and complete prior regime remain held.
S_WA-P8-C088	For its owner-occupied, noncommercial scope, .127 preserves specified damages claims despite failure to enjoin, but limits the route to monetary relief and the earlier stated filing period; it does not authorize title invalidation through that section.	S001 §.127(1)–(4). Full claim elements, CPA remedies and judicial construction remain open.
S_WA-P8-C089	Section .135(1) addresses specified bid collusion and permits the trustee to decline completion/delivery and refund under its stated concerns, with express exceptions.	S001 §.135(1)(a)–(d). Ordinary as-is statements, specified financing and good-faith agreements are not automatically collusion.
S_WA-P8-C090	The statute identifies specified mediation/contact/funding violations as CPA violations, but that designation is not an adjudication of all private-remedy elements or an automatic completed-sale reversal.	S001 §.135(2). Obsolete .173/.174 references are not treated as current duties.

Captured table 12

Claim ID · Precise assertion · Sources/pinpoints; conditions and limits · 4 data rows

Claim ID	Precise assertion	Sources/pinpoints; conditions and limits
S_WA-P8-C091	The relevant 2025 amendments have distinct January 1, 2026 current and January 1, 2028 future/expiration branches. Future wording was not substituted for the current body.	S009 §§19–20; S010 §§35–36; S011 §512. Full future association-law coverage is excluded.
S_WA-P8-C092	The .190 funding exemption uses a different event and strict threshold from the .166 mediation exemption; its reporting/payment duty is not a borrower cure charge.	S001 §.190(1)–(4); S012 §8. Notices of default and completed trustee sales are not interchangeable counts.
S_WA-P8-C093	The 2026 amendment concerns .157’s loan-closing funding fee and its exclusions; it does not create a foreclosure reinstatement fee.	S026 §1, effective June 11, 2026; S001 §.157. Incorporated public-financing-program eligibility remains outside this pass.
S_WA-P8-C094	The generic RCW computation rule and the WAC business-day definition have different scopes. Neither supports an invented universal foreclosure calendar convention.	S003; S004; S021 -010(7). Backward counting, special statutory language and court-rule interaction remain held where not resolved by the read text.

Captured table 13

ID · Quantity/base and source-stated relation · Actor/reference event; strict/inclusive boundary; exception/counting limit · 17 data rows

ID	Quantity/base and source-stated relation	Actor/reference event; strict/inclusive boundary; exception/counting limit	Claims/source
Q01	Up to four residential units in the express residential branches; .040’s occupant-notice branch uses fewer than five units.	These are property-category boundaries, not proof of occupancy or consumer purpose. General .005 residential definition remains distinct.	C004, C011, C016, C023, C057; S001 §§.005, .030, .031, .040(1), .165.
Q02	Domestic trustee entity branch: at least one officer resident in Washington.	Only that eligibility branch; does not replace incorporated entity-law conditions.	C005; S001 §.010(1)(a).
Q03	Initial statutory paragraph: no less than 12-point, bold; at least three telephone attempts, at different hours/on different days; follow-up after 14 d of no response following completion of call requirements.	Beneficiary/authorized agent. Disconnected-number/live-representative qualifications apply. Contact calls are not the meeting.	C017; S001 §.031(1)(c), (5).
Q04	NOD restriction: 30 d after satisfying due diligence with no response, or 90 d after initial contact initiated if response. Elsewhere initial contact is deemed 3 d after sending, and no-response language uses 30 d after initial contact.	These reference events differ. No single derived date is supplied.	C018; S001 §.031(1)(a), (d).
Q05	Letter: response within 30 d of letter date, an additional 60 d to meet upon response; letter also states 90 d from letter. Written in-person request: within 30 d of initial contact.	Letter date, sending, deemed contact and request are kept separate.	C017–C019; S001 §.031(1)(c)–(f), (4).
Q06	NOD/declaration at least 30 d before sale-notice recording/transmission/service. NOD warning refers to cure within 30 d of mailing or personal service, and auction no less than 120 d, or 150 d if letter received, in the future.	Warning wording is not substituted for .040’s actual sale-notice and default-to-sale requirements.	C020, C056; S001 §.030(8)(g).
Q07	Pre-NOS successor process: response/death-proof request 30 d from request; ownership-proof request period 60 d; required information 20 d after timely proof received.	Distinct request, proof and receipt events. Proof already held need not be re-requested as specified.	C021; S001 §.030(11)(a)–(c).
Q08	Post-NOS successor process: proof request within 5 d; ownership proof received more than 45 d before sale activates information at least 20 d before sale.	“More than” excludes equality in that clause. Postponement is permissive, not automatic.	C022; S001 §.040(7).
Q09	Mediation referral after NOD and no later than 90 d before listed sale; specified amended notice no later than 25 d before listed sale. Statutory notices expressly use calendar days and refer to an amended 45-day notice.	Exact 90/25 boundaries are inclusive as “no later than”; qualification discrepancy between .008(3) and stay-qualified clauses is held.	C025; S001 §§.008, .030(8)(k), .040(3), .160(3), .163(2).
Q10	Commerce action within 10 d of referral notice receipt; borrower documents 23 d from department notice; beneficiary documents 20 d from borrower-document receipt.	Separate actors and triggers; not a single combined response period.	C025–C028; S001 §.163(5)–(6).
Q11	Borrower tax returns: previous two years. Beneficiary balance: accurate within 30 d of document due date. Payment history: 12 months or since default, whichever longer. Valuation: not more than 90 d old at mediation. Economic review: previous 60 d or longer if mediator determines.	Document freshness/lookback periods, not foreclosure waiting periods. NPV/program incorporations remain held.	C026–C028; S001 §.163(6), (11).
Q12	Session within 70 d of mediator receiving department referral; session notice at least 30 d before; mediator may continue once, further continuances require party consent.	Agreed scheduling extension allowed with specified trustee notification.	C028; S001 §.163(8)–(10).
Q13	Certification 7 business days after conclusion. Pre-NOS late-certification fallback permits recording after 10 d from certification due date.	The post-NOS no-sale clause has no matching ten-day fallback. Chapter-specific business-day construction not supplied by the WAC definition.	C030–C032; S001 §.163(15), (19).
Q14	Statutory mediation default not more than $400 for 1–3 hours, subject to waiver/agreement/department authorization; longer mediation subject to reasonable authorized fee. Each party pays one-half. Tender 30 calendar days after department-letter receipt or mediator instructions.	party share = authorized applicable fee ÷ 2; no fee substituted. Current administrative authorization held.	C033; S001 §.163(20).
Q15	Historical May 1, 2016 guidelines authorized $600 for 1–3 hours.	Historical amount only; it is neither the verified current amount nor proof that the statutory default is the current operative charge.	C033; S019, printed pp.27–29/indexes 31–33.
Q16	Current institutional mediation exemption: not more than 250 qualifying sales in preceding calendar year; annual certification no later than January 31; current branch begins January 1, 2024.	Count is completed qualifying Washington trustee sales, not NODs. Exactly 250 is included. Historical 2023 branch is not used for 2026.	C024; S001 §.166(1); S012 §7.
Q17	Conditional senior-beneficiary short-sale response: within 120 d of receipt of qualifying written offer/agreement.	Offer must precede NOD; section does not alter other foreclosure periods.	C035; S001 §.026.

Captured table 14

ID · Quantity/base and source-stated relation · Actor/reference event; boundary/exception/counting limit · 14 data rows

ID	Quantity/base and source-stated relation	Actor/reference event; boundary/exception/counting limit	Claims/source
Q18	WAC business day: Monday–Friday excluding federally recognized bank holidays.	Applies to the rule chapter’s definition; not automatically imported into every RCW mediation clause.	C094; S021 -010(7).
Q19	Modification status system update every 10 business days; completed-application determination 30 d after receipt; deficiency correction opportunity 10 business days from notice.	Covered state servicing rule; program applicability and completeness remain predicates.	C039; S021 -930(2)(a), (b), (e).
Q20	Denial/rebuttal and internal review provisions use 30 d; appeal generally 30 d from written denial notice, response 30 d after appeal receipt.	Source contains distinct denial-determination/mailing references and specified appeal exclusions. They are not collapsed.	C039, C041; S021 -930(2)(c), (3).
Q21	Complete application prior to 37 d before sale versus between 37 and 15 d before sale; offer response 14 d.	Equality at the stated boundaries and applications closer to sale remain held; no silence-based permission. Acceptance/suspension clauses and -551 still matter.	C040; S021 -930(2)(f)–(i).
Q22	Executed modification copy 30 d after receipt of signed agreement; oral modification written confirmation 30 d after approval.	Separate agreement/approval events; does not prove enforceability of an actual modification.	C041; S021 -930(4).
Q23	Servicer post-sale mailing within 3 business days of completed sale.	Last known supplied address as specified; separate from trustee notices and deed delivery.	C043; S021 -935(2).
Q24	Reinstatement cutoff: prior to the eleventh day before scheduled or actually continued sale; statutory forms say on or before the eleventh day.	Strict/inclusive discrepancy expressly unresolved.	C045; S001 §§.090(1), .040(2)(d), (4).
Q25	statutory monetary cure = amount then due − principal not then due absent default + actual authorized enforcement expenses + reasonable trustee/attorney fees + discontinuance-recording costs.	All noticed defaults and actor/timing/tender predicates apply. No fixed percentage, CPI adjustment or universal arrears-only amount established.	C046–C048; S001 §.090(1)–(4), (6)–(7).
Q26	Authorized subordinate-lien cure advances bear 8% per annum, with the additional stated costs/fees.	Applies to the statutory advance/lien branch, not the underlying loan’s general interest rate. Compounding/day-count convention not stated here.	C049; S001 §.090(5).
Q27	Later pre-sale notice-described tender includes full secured principal, interest, costs/fees/advances and other defaults.	Before sale; no numerical amount or universal post-cutoff right inferred beyond the text.	C050; S001 §.040 statutory notices.
Q28	Trustee written reinstatement/payoff response 10 d after written-request receipt; covered servicer payoff 7 business days after written request.	Different actors, units and scope.	C051; S001 §.040(4); S021 -550(1).
Q29	Covered servicing fee assessed within 45 d incurred; explanation mailed no later than 30 d after assessment. Third-party charge ≤ actual amount paid.	Authorization/reasonableness still required; statement alternative where stated.	C052–C053; S022 §31.04.290(1)(a); S021 -567, -900(3)(e).
Q30	Payment credited/treated as credited within 1 business day of qualifying receipt; uncredited-payment notice mailed within 10 business days; sufficient suspense accumulation applied as of availability.	Correct destination/information, early-payment, written-hold and bankruptcy-order qualifications remain.	C054; S022 §31.04.290(1)(b); S021 -900(3).
Q31	General information statement: statute 15 business days, rule 30 business days or stated program timeline. Detailed documents: 15 business days; history minimum two years or shorter servicing period, extended to earlier claimed delinquency as stated. One annual request free; $30 for second/subsequent request under the rule.	Request-content predicates apply. No conclusion that the longer regulatory period displaces the statute.	C055; S022 §31.04.290; S021 -920; S023.

Captured table 15

ID · Quantity/base and source-stated relation · Actor/reference event; boundary/exception/counting limit · 19 data rows

ID	Quantity/base and source-stated relation	Actor/reference event; boundary/exception/counting limit	Claims/source
Q32	Sale notice at least 90 d before sale, or 120 d if .031 letter required; sale not less than 190 d from default.	Separate minimums; letter “required” in .040 is not replaced by the NOD warning’s “received” wording.	C056; S001 §.040(1), (12).
Q33	Publication on/between 35th–28th days and 14th–7th days before sale.	Inclusive windows as stated; separate publication occurrences.	C059; S001 §.040(5).
Q34	Conditional unknown-heir publication once weekly for three consecutive weeks, completed at least 30 d before actual sale.	Requires the specified reasonable-diligence and successor conditions.	C059; S001 §.040(6).
Q35	Sale Friday; if legal holiday, following Monday; incorporated hours 9 a.m.–4 p.m.	Only hours imported from execution statute. No additional holiday adjustment invented if the following Monday also presents an issue.	C060; S001 §.040(9); S002.
Q36	.040 continuances: aggregate ≤120 d. Proclamation route: continuation ≤7 d requires mail at least 4 d before new sale; continuation >7 d requires mail no later than 3 d after proclamation. Alternative route: specified notice plus one publication more than 7 d before new date.	Strict “more than” publication boundary preserved. Does not govern every court-reset mechanism.	C062; S001 §.040(10).
Q37	Restraint application notice 5 d; competent-witness service-proof branch age 18 or older. Periodic restraint payments/security measured at 30-day intervals as stated.	Sheriff/deputy alternative; court conditions differ for matured/nonmonetary obligations. No payment calculation.	C063–C064; S001 §.130(1)–(2).
Q38	Court/stay reset: new sale at least 45 d after qualifying order/event, specified notice at least 30 d before sale, plus publication windows.	Exact .130 branch and valid prior continuation must be established; federal stay event held.	C065; S001 §.130(3)–(5).
Q39	Bid-finality relation conditioned on deed recording within 15 d of acceptance, subject to .050(2).	Physical delivery, recording and acceptance are distinct events.	C066; S001 §.050(1).
Q40	Statutory voiding up to the 11th day following sale; refund no later than third day after postmarked rescission mailing; rescission notice no later than 15 d following voided sale date. Permitted reset at least 45 d after rescission mailing, with specified notice at least 30 d before and ordinary publication windows.	Only listed grounds; reset authorization limited to stated grounds. Mailing/postmark/sale date are not conflated.	C067–C068; S001 §.050(2).
Q41	Sale trustee/attorney fees in aggregate ≤ reasonable attorney fee the county superior court would deem proper for uncontested mortgage foreclosure. Surplus-motion notice at least 20 d before hearing.	Different from reinstatement fee standard; surplus requires statutory deposit/notice/court priority and order.	C070–C071; S001 §.080.
Q42	Conditional non-tenant possession gateway on 20th day after sale.	Required notices and category predicates; no tenant or eviction conclusion.	C072; S001 §.060(1).
Q43	Specified commercial deficiency action within one year after sale, qualified by post-notice written extension and statutory prohibited-action periods; multiple qualifying sales use last sale.	No universal limitation or actual filing date. Exact counting and other law held.	C079; S001 §.100(4).
Q44	guarantor deficiency relation = guarantor amount owed at sale − greater of statutory fair value or sale price + specified contractual interest on deficiency + contract-authorized costs/expenses/fees.	Requires an allowable deficiency branch and adjudicative fair-value determination. Other-security fair-value addition is separately prescribed. No zero floor, rate, rounding or amount invented.	C080–C081; S001 §§.005(8), .100(5).
Q45	Guarantor-principal-residence provision: up to $125,000 from accepted bid before application to guaranty obligation.	Specific .100(6) branch; no homestead indexing/substitution or automatic full payment.	C082; S001 §.100(6); S014.
Q46	.127 damages action: earlier of two years from foreclosure sale or the applicable claim limitation.	Only that section’s owner-occupied/noncommercial monetary-claim branch. No actual deadline or general P3 rerun.	C088; S001 §.127(2).
Q47	.190 report/payment: $250 per property, not per notice; 45 d after calendar-quarter end. Institutional funding exemption uses fewer than 250 NODs in preceding calendar year.	Strict <250 and NOD base differ from mediation’s ≤250 sales. No borrower pass-through inferred.	C092; S001 §.190; S012 §8.
Q48	.157 funding provision uses $80 at loan closing, with statutory exclusions.	Closing-stage funding provision; not added to cure. The 2026 reverse-mortgage/chattel/public-finance exceptions are not an actual eligibility determination.	C093; S001 §.157; S026.
Q49	Generic RCW rule excludes first day, includes last, excluding a last Saturday/Sunday/legal holiday as stated.	No universal backward-counting, business-day or procedural-extension result supplied.	C094; S003–S004.
Q50	Effective/application dates and historical version boundaries are the dates recorded in S009–S017, S023–S024 and S026.	These are legal-version events, not borrower deadlines. Historical 2023 institution rules and expired HAF provisions are not substituted for current law.	C023–C024, C074, C087, C091–C094.

Captured table 16

Branch · Supported conditional consequence · Missing predicate/authority · 29 data rows

Branch	Supported conditional consequence	Missing predicate/authority	Adverse inference to avoid	Exact next generic inquiry
B01 — Instrument and obligation	C001/C008 apply only when the qualifying security instrument, activating default and statutory prerequisites exist.	Actual validity, enforceability, terms and default are outside this public-text inquiry.	A recorded instrument proves entitlement to foreclose.	Generic incorporated instrument/obligation rules only, if separately authorized; no actual instrument examination in this pass.
B02 — Agricultural branch	C009 requires judicial foreclosure when the statutory statement is false at both specified times.	Meaning/application of principal agricultural use and both temporal predicates.	Any agricultural association, or a label alone, settles the route.	Complete generic agricultural-use and judicial-foreclosure gateway authorities; judicial construction remains separately held.
B03 — Trustee qualification	C005–C007 distinguish eligibility, appointment and duties.	Recodified Title 30 and repealed chapter 25.04 incorporations; complete entity/title-agent qualification provisions.	A corporate/attorney affiliation or trustee label proves qualification.	Read the exact recodification/replacement and qualification statutes; no entity or roster lookup.
B04 — Holder, owner and agent	C002/C011/C027 preserve holder proof and mediation ownership wording.	Full negotiable-instrument/agency construction and any actual authority.	Holder, owner, recorded beneficiary, servicer and agent are interchangeable.	Generic UCC/agency incorporations needed to reconcile these statutory roles; no named case or loan inquiry.
B05 — Residential, commercial, occupancy and entity scope	C004/C016/C023 apply different category tests.	Loan purpose, unit category, principal-residence status, grantor/vesting category and relevant event.	All residential property is consumer debt; all mediation requires owner occupancy.	Compare complete current scope clauses and material transition text only; actual classification remains excluded.
B06 — Initial-contact clocks	C018 preserves each statutory reference event.	Reconciliation of .031(1)(a), (c), (d), and (4).	The shortest formulation authorizes a default notice.	Any formal public interpretation addressing this exact interaction; judicial construction requires a later separately authorized inquiry.
B07 — Successor treatment	C021–C023 provide conditional information/referral treatment.	Statutory proof, intestacy/title incorporation, timing and authority to represent interests.	Information access or mediation treatment equals accepted assumption or proven title.	Complete generic chapter 11.04 and relevant successor-law incorporations only.
B08 — Institutional mediation exemption	C024 requires category plus annual certification and the sales threshold.	Nested federal institutional definitions and satisfaction of certification predicates.	A general bank/servicer exemption or a low NOD count establishes mediation exemption.	Read nested definitions in 12 U.S.C. §461(b)(1)(A) and current generic Commerce certification instructions; no institution lookup.
B09 — Amended-notice mediation window	C025 establishes the stay-qualified 25-day branch and preserves broader .008(3) wording.	Reconciliation of the provisions and qualification of the amended notice.	Every continuation or amended notice automatically renews referral eligibility.	Formal interpretation of .008(3), .160(3), .163(2), .040(3) together; no actual notice.
B10 — Current mediation fee	C033/Q14 establish statutory default and override authority.	Current operative department fee authorization; linked current guideline failed.	Historical $600 or statutory $400 is necessarily the current payable fee.	A materially different ordinary public official copy of current Commerce authorization/guidelines, with effective/application clause.
B11 — Certification and sale restraint	C031 differentiates pre-NOS fallback from post-NOS no-sale condition.	Referral timing, certification status and all other prerequisites.	Every missing certification permits recording/sale after ten days.	Read any current formal implementation guidance addressing these exact two clauses; no actual certification.
B12 — NPV and program incorporations	C027/C032 recognize required inputs and an injunction basis.	Current applicable federal/FDIC/department calculation, program scope and inputs.	A favorable NPV automatically grants modification or establishes eligibility.	Complete applicable public calculation/program definitions and successor guidance; no values entered.
B13 — CLA scope and old rule cross-reference	C012–C013 limit the WAC overlay by statutory coverage/exclusions.	Exact exemption, waiver scope and 2024 prospective application; WAC -104 retains the older subsection reference.	All servicers are covered, or every license exemption eliminates all duties.	Reconcile current RCW .025(4) with -104 and any adopted corrective rule; no license investigation.
B14 — Application completeness and late timing	C037–C040 distinguish -551(4), -551(6) and -930.	Meaning of application/completeness, equality at 37/15 days, and closer-to-sale applications.	An incomplete or late application necessarily permits foreclosure.	Formal public DFI interpretation or operative amendments addressing those precise interactions; court construction held.
B15 — Information-response conflict	C055 records statute 15 versus rule 30 business days.	Authoritative reconciliation and any later amendment.	The longer rule affirmatively permits delay beyond the statute.	Current enacted text, adopted DFI amendments and formal interpretation of RCW 31.04.290(1)(d)(ii) versus WAC -920(1)(b).
B16 — Eleventh-day cutoff	C045 preserves strict versus inclusive wording.	Judicial/formal construction of .090 versus .040 forms.	An inclusive last-day cure right is settled merely because the form says so.	Exact generic interpretive authority for the discrepancy; no actual deadline calculation.
B17 — Cure base and fee review	C046–C050 separate unaccelerated cure, full tender, costs and fee litigation.	Natural maturity, nonmonetary defaults, authorized expenses and reasonableness.	“Arrears only” always suffices, or fee litigation pauses sale.	Complete generic rules governing the identified expense/maturity question; no loan terms or calculations.
B18 — Continuation versus new setting	C062/C065 give distinct mechanisms.	Prior valid notice, aggregate continuances, qualifying court/stay event and required renotice.	Every reset erases the 120-day limit, or that limit governs every statutory reset.	Read any operative generic rule/formal interpretation distinguishing .040(10) and .130(3)–(5).
B19 — Completion versus statutory rescission	C066–C068 distinguish bid acceptance, delivery, recording and authorized voiding.	Listed rescission ground, actor authority and timing.	A defect automatically reverses a completed sale or creates a borrower rescission election.	Complete public interpretation of .050’s limited grounds and interaction with other remedies; no sale record.
B20 — Proceeds, fees and surplus	C070–C071 establish statutory order and court-controlled surplus.	Valid expenses, lien interests, priority and entitlement.	Surplus automatically belongs wholly to borrower, or sale shortfall is automatically enforceable.	Generic priority/distribution incorporations in a separate pass; no title, lien or amount inquiry.
B21 — Commercial vintage and guarantor branch	C077–C087 depend on purpose, role, notice, instrument date and collateral category.	Exact June 11, 1998 boundary; complete prior regime; guarantor’s own security versus another deed.	All commercial borrowers or guarantors owe the mathematical shortfall.	Read pre-1998 enacted regime and exact-date application authority; no guaranty or loan examined.
B22 — Fair value	C080–C082 require statutory valuation and branch-specific treatment.	Adjudicated fair value, prior encumbrances and additional-security treatment.	Sale price equals fair value, or fixed $125,000 can be replaced with a general homestead index.	Generic valuation and incorporated upset-price provisions only; no appraisal or numerical example.
B23 — Nonwaiver and remedies	C088–C090 preserve specified limited claims/designations.	Full cause-of-action elements, defenses, proof, and remedy restrictions.	Every defect survives sale, invalidates title or guarantees damages.	Complete generic CPA/remedy text and later judicial-construction component if authorized.
B24 — Expired assistance pause	C074 treats .048 as expired.	Exact permanent-closure event and commission’s statutory written notice to the Code Reviser.	Old program language remains current, or a failed search proves no other assistance protection.	Ordinary official publication of that expiration notice/event; no application or contact.
B25 — Federal servicing	State clauses may coexist with independently applicable federal law.	Complete current Regulation X/Z scope, exclusions, definitions, loss-mitigation and servicing clauses and amendments.	State timing displaces federal protection, or a federal threshold is universally applicable.	Separate generic reading of relevant 12 C.F.R. parts 1024/1026 with all scope exceptions. No CFPB guidance used here.
B26 — Bankruptcy and SCRA	.025 incorporates SCRA; .130/.100 recognize specified federal-law events.	Complete federal operative statutes, applicability, exceptions and effective provisions.	State reference proves an actual stay, discharge, military protection or permission to proceed.	Complete generic SCRA and bankruptcy provisions for the exact interface; no status or docket inquiry.
B27 — Tenancy/possession	C072 is only the non-tenant statutory gateway.	Chapter 59.18/59.12 and any federal tenant protection; category and notice predicates.	Twentieth-day language is universal eviction authority.	Separate generic postforeclosure tenancy/possession component.
B28 — Title, family, probate and territorial law	Recording, county venue and role definitions are established textually.	Title, community property, probate, priority, tribal/local/interstate and federal-lien dependencies.	County recording or deed delivery resolves ownership, jurisdiction or priority.	Separate generic governing texts; no land records or identifying facts.
B29 — Version and judicial status	C091 establishes checked current/future statutory branches.	Complete future association implementation, any later unlocated amendment, and unsearched judicial status/construction.	Search absence proves no amendment, stay, vacatur or contrary construction.	Ordinary current official legislative/rule status update and separately authorized judicial-construction inquiry.

Captured table 17

Provision/source · Version/application clause · Scope predicate · 8 data rows

Provision/source	Version/application clause	Scope predicate	Actor	Trigger event	Unit/boundary	Required act or consequence	Exception/incorporation	Missing authority

Captured table 18

Requested component/subquestion · Status in this pass · Source/claim/branch links · 42 data rows

Requested component/subquestion	Status in this pass	Source/claim/branch links	Exact retained gap or next inquiry
1 — Instrument/security route	Answered textually	S001 .020; C001, C008	Actual instrument, obligation validity and default excluded; B01.
1 — Beneficiary/borrower/grantor/guarantor/agent roles	Answered definitions; construction partial	C002–C004, C011, C027	Holder/owner/agency incorporations; B04.
1 — Trustee eligibility and successor appointment	Answered statutory categories; incorporation partial	C005–C007	Replacement entity/licensing texts; B03.
1 — Residential/consumer/commercial/agricultural distinctions	Answered textually	C004, C009, C016, C023	Actual category and temporal predicates excluded; B02/B05.
1 — Territorial, recording and physical-presence conditions	Answered specified clauses	C008, C060	Full jurisdiction/interstate/tribal/title law held; B28.
1 — Judicial alternative and mixed collateral	Bounded gateway answered	C014–C015; S006–S007	Full judicial foreclosure, execution, redemption, Article 9 and priority remain open.
2 — Contact and due diligence	Answered operative duties	C016–C019; Q03–Q05	Reference-event reconciliation; B06.
2 — NOD/holder declaration/content/delivery	Answered current clauses	C011, C020	No actual truth, authority or compliance; B01/B04.
2 — Death/successor notices and documents	Answered procedural text	C021–C022	Title/intestacy/assumption qualification; B07.
2 — Mediation scope/exclusions	Answered state text; federal category partial	C023–C025	Nested institution definitions and exact amended-notice interaction; B08/B09.
2 — Referral/documents/session/certification	Answered	C025–C032	Applicable NPV program and formal reconciliation; B11/B12.
2 — Mediation fee	Partial/held current administrative amount	C033; Q14–Q15	Current operative Commerce authorization; B10 and F01.
2 — Declaration/certification versus adjudication	Answered boundary	C011, C027, C030, C034	Evidentiary construction and actual proof held.
3 — Cure eligibility/base/reinstatement/tender	Answered text; cutoff unresolved	C044–C050	Eleventh-day wording and specific maturity/expense questions; B16/B17.
3 — Payoff/information/payment/expense safeguards	Answered; statutory/rule response conflict held	C051–C055	B15; actual fees, payments and accounts excluded.
3 — State modification/loss mitigation	Answered conditional state framework	C037–C043	CLA scope, completeness/late timing, federal program incorporations; B13/B14/B25.
3 — Short sale/pooling agreement	Bounded statutory interface answered	C035–C036	No approval, contractual duty or actual agreement inferred.
3 — Redemption versus discharge	State nonjudicial clause answered; other regimes held	C048, C066, C073, C075	Independent federal/judicial redemption or discharge; B25/B26.
4 — Sale setting and recipients	Answered	C056–C058; Q32	No actual schedule or notice validation.
4 — Publication/heirs/occupant notice	Answered generic requirements	C057–C059	Diligence/title/tenant predicates held.
4 — Conduct/bids/place/hours	Answered statute	C060–C061	No bidding, payment or sale instruction.
4 — Continuance and additional notice	Answered separate mechanisms	C062; Q36	Exact branch interaction/actual prior compliance; B18.
4 — Judicial restraint and reset	Bounded state framework answered	C063–C065	Federal stay and full litigation construction held.
4 — Completion/deed/statutory rescission	Answered	C066–C069	Actual ground/title/evidentiary status held; B19.
4 — Distribution/surplus/reconveyance	Answered route-specific clauses	C070–C073	Priority and independent release clocks excluded; B20.
4 — Former assistance-program pause	Expired status authenticated; exact date unresolved	C074; S012/S020	B24.
4 — Possession/tenancy	Only indispensable gateway	C072	Full tenant/eviction component excluded; B27.
5 — Basic deficiency bar	Answered	C075–C076	No conclusion about every related obligation.
5 — Commercial borrower/guarantor exceptions	Answered current text	C077–C087	Historical exact-date, actual purpose/security/notice and prior-law branches; B21.
5 — Fair value/fixed guarantor residence provision	Answered symbolic text	C080–C082; Q44–Q45	No valuation, amount or general homestead substitution; B22.
5 — Contract, deed-in-lieu and reimbursement	Answered statutory boundaries	C083–C086	No actual or invented agreement reviewed.
5 — Waiver/damages/collusion/CPA designation	Bounded answer	C088–C090	Full cause/remedy and judicial construction held; B23.
6 — Full judicial foreclosure/execution/redemption	Deliberately excluded beyond gateway	C015, C065, C080	Separate component required.
6 — Homestead/title/priority/community property/probate	Deliberately excluded beyond indispensable clauses	S005, C010, C082	B07/B20/B28; P7 not reused.
6 — Federal servicing/SCRA/bankruptcy	Explicit dependencies; no full federal proposition	S001 .025; B25/B26	Complete current federal scope/exception/effective texts required.
6 — Government loans/federal liens/local/tribal/interstate	Held	B12/B25/B28	Separate generic regimes; no eligibility or preemption outcome.
6 — Consumer remedies and judicial construction	Held except narrow statutory boundaries	C088–C090; B23/B29	No cases, opinions, dockets or enforcement records searched.
7 — Current/future/historical/adopted status	Material originals authenticated within read bounds	S009–S017, S023–S027; C091	No assertion of complete historical or future-law reconstruction.
7 — Direct URLs/pinpoints/read bounds	Supplied visibly	§2 source/usage register	Original partial-read limits expressly identified.
7 — Failed routes and different ordinary route	Supplied visibly	§8 below	Current fee and exact HAF expiration event remain open.
Registry dimension 6 beyond this component	Open	Scope boundary	Other secured-debt, judicial foreclosure and sector components remain required.
All earlier Washington components/holds	Preserved unchanged	Supplied scope context only	No P1/P2 patch, P3–P7 acceptance, Washington acceptance or A066 acceptance follows.

Captured table 19

Step · Ordinary public route/read · Result and evidentiary treatment · 10 data rows

Step	Ordinary public route/read	Result and evidentiary treatment
R01	Official full chapter 61.24 and individual section bodies.	Current text, future text, cross-references, credits and disposition notes distinguished. All positive claims use actual bodies, not snippets.
R02	Links from RCW credits to enacted 1985, 1998, 2018, 2021, 2023, 2024 and 2025 acts.	Material amendment/application clauses read to the precise extents in S009–S017. Not every cited historical act was read.
R03	Official Commerce program page → current guideline link.	Link discovered but document failed; current fee amount remains held.
R04	Different official route to Commerce’s May 2016 PDF.	Historical text read; did not cure current-guideline gap.
R05	Individual .048 route → official chapter disposition table.	Redirect supplied official expired-status evidence; redirect itself was not treated as a failure.
R06	WAC individual sections and full chapter; RCW 31.04 scope and servicing sections.	State servicing overlay identified and read. Full-chapter route resolved only the .930 body-access gap.
R07	Official WSR permanent order and 2024 Consumer Loan Act amendment.	Adoption/effective text and prospective limitation authenticated; 15/30-business-day discrepancy preserved.
R08	Official U.S. Code pages for the two expressly needed definitions.	Narrow incorporated paragraphs read; nested and broader federal regimes held.
R09	Official session-law navigation: https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/ → https://leg.wa.gov/state-laws-and-rules/state-laws-rcw/session-laws/rcw-sections-affected/ → S027.	2026 affected-section entry led to S026, which was fully read. Index was discovery, not operative authority.
R10	Targeted wording rechecks of current .030, .031, .090, .100, .163, .165, .166 and WAC -551.	Confirmed agricultural conjunction, holder proof, contact clocks, cure wording, complete deficiency exceptions, current mediation scope and application/completeness distinction. No new actual-fact investigation.

Source links captured in this table

Captured table 20

Batch · Queries used · Disposition · 9 data rows

Batch	Queries used	Disposition
L01	site:app.leg.wa.gov/rcw "Chapter 61.24" "DEEDS OF TRUST"; site:app.leg.wa.gov/rcw "61.24.030" "requisites"; site:app.leg.wa.gov/rcw "61.24.163" "mediation"	Official statute bodies read.
L02	site:app.leg.wa.gov/wac foreclosure mediation 61.24; site:commerce.wa.gov foreclosure fairness laws rules mediation fee 2026	Commerce discovery; initial search coverage did not establish absence of rules.
L03	site:commerce.wa.gov foreclosure "mediation" "fee" "$"; site:app.leg.wa.gov/wac "61.24.033"; site:uscode.house.gov "461" "(A) The term" "depository institution"	Historical official fee PDF and federal definition read.
L04	site:lawfilesext.leg.wa.gov "2025" "393" "NEW SECTION. Sec. 19" foreclosure; site:lawfilesext.leg.wa.gov "2025" "119" "61.24.030"; site:lawfilesext.leg.wa.gov "2021" "290" "61.24.100"	Original acts reached through official routes/credits and read within listed bounds.
L05	site:app.leg.wa.gov "homeowner assistance fund" "Expired"; site:wshfc.org "homeowner assistance fund" "closed" 2026; site:commerce.wa.gov "Foreclosure Fairness" "Guidelines" "2025"	Expired disposition authenticated. Program/closeout search leads did not authenticate the exact legal expiration date.
L06	site:app.leg.wa.gov "61.24.048" "2025"; site:lawfilesext.leg.wa.gov "homeowner assistance fund" "expiration" "2025"; site:commerce.wa.gov "mediation" "$800" OR "$600" OR "$900" "2026"	No verified current administrative fee or exact expiration notice. The 2026 legislative lead was later resolved by S026.
L07	site:app.leg.wa.gov/wac "foreclosure" "mortgage loan servicers"; site:app.leg.wa.gov/wac "foreclosure mediation"; site:lawfilesext.leg.wa.gov "61.24" "2026" "Sections Affected"	Servicing rules identified and read; current legislative index followed.
L08	site:lawfilesext.leg.wa.gov "WSR 18-16-024" "PERMANENT RULES"; site:lawfilesext.leg.wa.gov "2024" "249" "prospectively" "31.04.025"	Adopted order and enacted application clause read.
L09	site:uscode.house.gov "1602" "dwelling" "residential structure"; site:lawfilesext.leg.wa.gov "2026" "61.24.040" "SESSION LAWS"; site:lawfilesext.leg.wa.gov "2026" "208-620-930"	Official federal definition and legislative navigation read. Secondary reproduction leads were not used as authority. Absence of a search hit was not treated as proof of no change.

Captured table 21

Failure ID · Exact route · Observed result · 4 data rows

Failure ID	Exact route	Observed result	Different ordinary route and remaining consequence
F01	Commerce current-guidelines link: https://deptofcommerce.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe → https://deptofcommerce.app.box.com/s/xw4a4peivjkg1k861effqlrays4wzwfe	Server/tool retrieval failure, reported as 500/inaccessible. No identical retry or access workaround.	Official historical PDF S019 was readable, but current fee authorization remains unresolved.
F02	https://app.leg.wa.gov/WAC/default.aspx?cite=208-620-930	Individual-section retrieval failed.	The ordinary official full-chapter URL in S021 supplied the complete rule. Only this exact source-body gap was resolved.
F03	Generic official searches for the assistance-program permanent-closure/expiration notice.	No exact operative notice/date authenticated. This was failed discovery, not a blocked source body.	S020 confirms displayed expired status; S012 supplies the closure-based clause. Exact event/date remains held.
F04	Generic searches for current mediation fee authorization.	No later current authorization verified beyond the inaccessible current-guideline route.	Statutory overrideable default and historical authorization are separately reported; no invented current amount.

Source links captured in this table

Find the assertion and its boundaries

Search this report’s claim records

How to read the research →

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

SWA correction of the C070 coverage pinpoint →
SWA exact original-row completion →
Two bounded source corrections →
1. Exact two-cell replacements →

S_WA-P8-C001 Saved research record

A deed of trust within .020 conveys real property to secure performance of an obligation and may use the chapter’s trustee-sale route. Mortgage law otherwise applies except as the chapter provides.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.020, complete section. Security, obligation validity and sale prerequisites remain separate.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C002 Saved research record

The chapter defines beneficiary by holding the instrument or document evidencing the secured obligation, excluding a person holding it as security for a different obligation.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.005(4). Recorded designation alone is not examined here as proof of holding.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C003 Saved research record

Borrower, grantor and guarantor are distinct statutory roles: liability on the principal obligation; encumbering an interest; and a nonborrower’s separate written guaranty, respectively.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.005(5), (9), (10). The borrower definition includes specified general-partner and written-successor-liability branches. No actual agency or liability is inferred.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C004 Saved research record

“Commercial loan” turns on primary purpose other than personal, family or household use. “Owner-occupied” means the borrower’s principal residence. The general residential definition and express “up to four units” clauses must be read separately.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.005(6), (13), (16); §§.030, .031, .165. A residential building does not by itself settle commercial-purpose classification.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C005 Saved research record

Trustee eligibility is restricted to the categories in .010(1): qualifying domestic entities, authorized title insurers/licensed title agents, qualifying Washington attorneys and attorney entities, a U.S. agency/instrumentality, or specified federally chartered banking institutions.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.010(1)(a)–(f). The domestic-entity branch includes a Washington-resident-officer condition. Incorporated entity/licensing statutes and obsolete references are held; no actual trustee qualification is established.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C006 Saved research record

A successor trustee receives the chapter’s trustee powers through the beneficiary’s appointment recorded in every county where the deed of trust is recorded. Resignation has its own written-notice and recording requirements.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.010(2). Merely using the label “successor trustee” does not establish this predicate.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C007 Saved research record

The statute disclaims a trustee fiduciary duty to the grantor or other interested persons, while expressly imposing good faith toward borrower, beneficiary and grantor.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.010(3)–(4). These are separate clauses; neither eliminates the other.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C008 Saved research record

Sale prerequisites include a power of sale, an activating default under the secured obligation or grantor covenant, county recording, and the trustee’s required Washington physical address/presence/telephone throughout the specified period.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.030(1), (3), (5)–(6). None establishes debt validity or actual compliance.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C009 Saved research record

If the deed’s required nonagricultural-use statement is false both when granted or amended to include it and at sale, judicial foreclosure is required.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.030(2). Agricultural production includes crops, livestock or aquatic goods. No property-use classification is made.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C010 Saved research record

A pending beneficiary action seeking satisfaction generally prevents this trustee-sale route, subject to the receiver/property-preservation and commercial-other-collateral exceptions stated in .030(4).

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.030(4). The incorporated homestead/rents branch is identified but not completed.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C011 Saved research record

For residential property up to four units, the trustee must have holder proof before recording, transmitting or serving the sale notice. A beneficiary declaration under penalty of perjury is statutorily sufficient, with reliance conditioned on the trustee’s good-faith duty.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.030(7). This is a procedural proof provision, not a finding that an actual declaration is true. Association exceptions are separate.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C012 Saved research record

The state servicing overlay depends on Consumer Loan Act scope: residential mortgage purpose/security, servicing activity, and statutory/rule coverage, including specified Washington-resident/property connections.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S022 §§31.04.015(13), (24), (25), (29), .025; S021 -011, -230, -231. Investor ownership without servicing activity is not automatically the regulated servicing role.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C013 Saved research record

CLA exemptions are conditional, including specified banking-law activities, public/qualified housing programs and other categories. The business/commercial/agricultural exclusion does not extend as written to loans secured by the borrower’s primary dwelling. Exemption/preemption is not presumed.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S022 §31.04.025(4)–(6); S024 §§2, 5. A licensing waiver is not treated as a waiver of every substantive duty. The 2024 amendment has an express prospective-application limitation.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C014 Saved research record

Mixed real/personal collateral requires a separate UCC branch. The current .9A-604 text permits specified personal-property-only or real-property-route treatment, but does not establish attachment, perfection or priority.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.020 and reviser note; S007 §62A.9A-604(a)–(d). Former .9-501(4) is not treated as current operative text.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C015 Saved research record

Judicial mortgage foreclosure remains a statutory alternative, and .100 expressly says its deficiency section does not apply to that foreclosure.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §§.100(8), .120. No conclusion follows about the full judicial route’s deficiency, execution or redemption rules.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C016 Saved research record

Section .031’s contact regime applies to its recorded residential-up-to-four-unit category, with commercial-loan, specified third-party-grantor, seller-financed and listed association exclusions. Its contact/diligence subsections also have a written-surrender/key-delivery exception.

Recorded check status: fresh complete current031 contacttext checked interactions held

Sources/pinpoints; conditions and limits: S001 §.031(6)–(8). The seller-finance definition is statutory; an ordinary servicer label is not an exemption.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current031_contacttext_checked_interactions_held", "scope": "Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C017 Saved research record

Due diligence requires the specified initial dual-mail letter, telephone attempts, conditional follow-up certified letter, live contact availability and website information if a website exists. Telephone contact does not itself constitute the statutory meeting.

Recorded check status: fresh complete current031 contacttext checked interactions held

Sources/pinpoints; conditions and limits: S001 §.031(1)(b)–(c), (5)(a)–(e). Exact quantities are Q03–Q05. Disconnected-number and live-representative qualifications remain.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current031_contacttext_checked_interactions_held", "scope": "Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C018 Saved research record

The statute uses different contact timing formulations: satisfaction of due diligence, initiation of initial contact, deemed contact after sending, and the letter’s own date. They are not collapsed into one universal default-notice date.

Recorded check status: fresh complete current031 contacttext checked interactions held

Sources/pinpoints; conditions and limits: S001 §.031(1)(a), (c)–(d), (4). Textual interaction held, B06.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current031_contacttext_checked_interactions_held", "scope": "Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C019 Saved research record

A requested meeting must precede the default notice and address ability/options. Telephone is permitted unless a timely written in-person request is made; county location and resolution-authority conditions apply. An offered workout requires borrower approval.

Recorded check status: fresh complete current031 contacttext checked interactions held

Sources/pinpoints; conditions and limits: S001 §.031(1)(e)–(f), (3)–(4). No compelled modification or agreement follows.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current031_contacttext_checked_interactions_held", "scope": "Completecurrent031retainspropertyexclusions/diligence/contactevents/meetingandapproval; clockinteraction/formalconstruction/materialoriginals/actualpredicatesheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C020 Saved research record

The default notice and, for the covered residential category, holder declaration have dual-mail plus posting-or-personal-service requirements before the sale notice. Required contents include alleged default, itemized arrears/charges, reinstatement total, court recourse, role/contact information and applicable mediation language.

Recorded check status: 031declaration checked030NOD body unreopened

Sources/pinpoints; conditions and limits: S001 §.030(8)(a)–(m), (9); §.031(2), (9). Sending, posting, personal service and receipt are not interchangeable.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "031declaration_checked030NOD_body_unreopened", "scope": "Current031declarationchecked;material030defaultnoticeholder/content/deliveryclausesoriginalunreopened.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C021 Saved research record

Known death and a pre-sale-notice written successor claim activate additional notice/document-request/information duties. Timely proof can establish treatment under the section, but the statute does not require assumption or modification approval.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.030(10)–(11), complete clauses. Probate/intestacy and actual title are held.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C022 Saved research record

A successor claim after sale-notice recording has a different response and information timetable; the trustee may postpone in the stated circumstances.

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §.040(7). The permissive postponement is not converted into an automatic stay.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C023 Saved research record

Current mortgage mediation scope is recorded residential property up to four units, subject to .165(2)’s exclusions, including commercial, specified nonborrower/nonguarantor grantor, seller-finance and entity-grantor/entity-vesting branches. Current successor/dissolution provisions do not impose the former occupancy wording or an assumption duty.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.165(1)–(2), (4)–(5); S012 §6; S013 §6; S009 §4. Association mediation is a separate branch.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C024 Saved research record

The institutional mediation exemption requires the specified federally insured depository category and annual perjury certification tied to no more than 250 qualifying Washington trustee sales in the preceding calendar year.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.166(1); S008 §461(b)(1)(A); S012 §7. It is not a blanket exemption for all servicers or all small beneficiaries. Nested federal institutional definitions remain held.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C025 Saved research record

Mortgage mediation requires referral by a housing counselor or attorney within the statutory window, or later written voluntary agreement. The principal amended-notice rule expressly concerns a notice after a .130 stay; .008(3) uses broader wording.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §§.008(2)–(3), .160(3), .163(1)–(5). No borrower self-referral or universal amended-notice reset is inferred.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C026 Saved research record

The borrower’s mediation document package includes financial information, tax returns, hardship information and applicable program information, transmitted to mediator and beneficiary on the statutory timetable.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(6)(a). Only the public categories were read; no worksheet or private information was obtained.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C027 Saved research record

The beneficiary’s package includes note/deed, balance and payment information, charges, note-ownership proof, valuation, modification-denial explanation, relevant NPV inputs and claimed investor restrictions/waiver efforts.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(6)(b)(i)–(x). The section says ownership proof and permits the .030 holder declaration as sufficient proof; that wording is preserved rather than silently equated.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C028 Saved research record

Mediation has a department-notice, scheduling, advance-notice, attendance/authority and continuance framework. An agreed scheduling extension requires notice to the trustee of the expected certification date.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(5), (8)–(10). In-person attendance and remote resolution authority are distinct permissions.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C029 Saved research record

Good-faith obligations include timely participation, documents and adequate settlement authority. Conditioning modification on waiver of future claims is listed as potential bad faith, subject to the express TILA-rescission and pending-claim qualifications.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(13)(a)–(d). No complete TILA rescission or waiver-enforceability analysis follows.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C030 Saved research record

The mediator issues the specified certification after conclusion. A reasonable belief that the borrower will not attend permits the separate cancellation/notification route. Neither event adjudicates all foreclosure prerequisites.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(14)–(16), (18). “May proceed” remains subject to other applicable requirements.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C031 Saved research record

A pre-recording referral generally prevents sale-notice recording until certification, with the stated late-certification fallback. A referral after recording prevents the sale until certification; that clause does not contain the same fallback.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(19)(a)–(b). Exact timing in Q13.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C032 Saved research record

Beneficiary bad-faith certification supplies a rebuttable defense to the present nonjudicial foreclosure. The stated favorable-NPV/no-affordable-offer condition supplies a basis for injunction. Neither mandates a loan modification.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(17). Judicial foreclosure and a later foreclosure following an agreed modification and later default are expressly distinguished.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C033 Saved research record

The codified mediation fee is an overrideable default, with equal party shares and a payment timetable. The actual currently authorized administrative amount remains unverified.

Recorded check status: fresh complete current163 mediationtext checked scope and program authority held

Sources/pinpoints; conditions and limits: S001 §.163(20); S018; historical S019. Current Box guideline route failed; historical authorization is not carried forward.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current163_mediationtext_checked_scope_and_program_authority_held", "scope": "Completecurrent163preservesreferral/documents/authority/certification/pre-postNOS/feeoverride;008/160/165/166/169scope-exemption/NPVfederal/currentfee andhistorynotcompleted.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C034 Saved research record

The mediator has statutory qualifications/approval and a limited role. Certification and specified materials may be admissible subject to court rules; they are not automatically adjudicated facts.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.169, complete section. No mediator or court-record inquiry was performed.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C035 Saved research record

The conditional owner-occupied short-sale-offer provision requires a senior beneficiary response to a qualifying pre-default-notice written offer, but preserves its choice and expressly does not change the chapter’s foreclosure periods.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.026(1)–(6). Exclusions include commercial, specified third-party-grantor, seller-financed and mediation-exempt-beneficiary branches.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C036 Saved research record

Section .177 addresses an existing servicer duty under a pooling/servicing agreement and specified default/imminent-default and NPV conditions.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.177. It does not establish that every servicer has such an agreement or an unconditional duty to modify.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C037 Saved research record

The rule’s foreclosure-referral definition reaches steps in furtherance of foreclosure, not merely delivery to an outside trustee. Rule -551(4) prohibits referral after receipt of a modification application until evaluation for all available modifications; that subsection does not use “complete.”

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -010(38), -551(4). No actual application or internal status was examined.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C038 Saved research record

Rule -551(6) separately prohibits collection activity while a complete modification application is under review or while payments are being made under a trial/permanent modification, including activity by others on the servicer’s behalf.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -551(6); S023 adopted text. Completeness and performance are predicates, not assumed facts.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C039 Saved research record

The state modification rule supplies status-access, determination, deficiency-notice/correction and denial-explanation requirements for its applicable program branch.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -930(1), (2)(a)–(f). Conditional HAMP/GSE references do not establish current federal-program availability.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C040 Saved research record

The rule distinguishes complete applications received before the 37-day point and those submitted between the 37- and 15-day points, with review/offer-response and suspension provisions.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -930(2)(f)–(i). Exact equality boundaries, applications closer to sale, and interaction with -551 remain held; no permission to foreclose is inferred from silence.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C041 Saved research record

The rule provides an appeal process with stated exclusions, response timing, and written modification/forbearance confirmation duties.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -930(3)–(5). No guaranteed approval follows from a procedural right.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C042 Saved research record

A servicing transfer must preserve specified pending modification work and existing trial/permanent agreements under the state rule, with an express state/GSE-program-conflict qualification.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -900(2). Transfer does not itself establish modification approval or cure.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C043 Saved research record

Before referral, the servicer’s file must support default, foreclosure rights and ownership; after a completed foreclosure sale, the rule requires a separate borrower mailing.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -935(1)–(2). File contents are a requirement, not proof that an actual foreclosure is lawful.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C044 Saved research record

The statutory reinstatement mechanism is available to the listed borrower, grantor, guarantor, subordinate deed-of-trust beneficiary and recorded subordinate lien/encumbrance holder.

Recorded check status: fresh complete current090 and040 curetext checked cutoff unresolved

Sources/pinpoints; conditions and limits: S001 §.090(1). No actual actor’s standing is established.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current090_and040_curetext_checked_cutoff_unresolved", "scope": "Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C045 Saved research record

The operative cure subsection uses a strict “prior to” eleventh-day formulation; statutory notices use inclusive “on or before” wording. The exact boundary is held rather than resolved favorably.

Recorded check status: fresh complete current090 and040 curetext checked cutoff unresolved

Sources/pinpoints; conditions and limits: S001 §§.090(1), .040(2)(d), (4); S016 §11. B16.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current090_and040_curetext_checked_cutoff_unresolved", "scope": "Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C046 Saved research record

Monetary cure consists of amounts then due excluding principal that would not yet be due absent default, plus the specified actual enforcement expenses and reasonable fees.

Recorded check status: fresh complete current090 and040 curetext checked cutoff unresolved

Sources/pinpoints; conditions and limits: S001 §.090(1)(a)–(b). Naturally matured principal is not automatically excluded; not a universal arrears-only rule.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current090_and040_curetext_checked_cutoff_unresolved", "scope": "Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C047 Saved research record

A person entitled to discontinue may seek a fee-reasonableness determination in a court with jurisdiction other than small claims. That fee action does not itself forestall or invalidate the sale.

Recorded check status: fresh complete current090 and040 curetext checked cutoff unresolved

Sources/pinpoints; conditions and limits: S001 §.090(2). Possible prevailing-party costs/fees are discretionary statutory language, not an actual award.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current090_and040_curetext_checked_cutoff_unresolved", "scope": "Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C048 Saved research record

Qualifying cure results in discontinuance and reinstatement as though acceleration had not occurred; nonmonetary default and recording/tender requirements remain separately stated.

Recorded check status: fresh complete current090 and040 curetext checked cutoff unresolved

Sources/pinpoints; conditions and limits: S001 §.090(3)–(4), (6)–(7). Cure does not erase the underlying obligation.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current090_and040_curetext_checked_cutoff_unresolved", "scope": "Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C049 Saved research record

A recorded subordinate lienholder curing under .090 may add the authorized advances, specified interest and enforcement expenses to its lien.

Recorded check status: fresh complete current090 and040 curetext checked cutoff unresolved

Sources/pinpoints; conditions and limits: S001 §.090(5). No priority or actual secured amount is adjudicated.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current090_and040_curetext_checked_cutoff_unresolved", "scope": "Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C050 Saved research record

The statutory notice describes a later, pre-sale discontinuance route requiring the secured principal, interest, costs/fees/advances and cure of other defaults, rather than only the unaccelerated arrears.

Recorded check status: fresh complete current090 and040 curetext checked cutoff unresolved

Sources/pinpoints; conditions and limits: S001 §.040(2)(d), (4), read with .090. It is not a universal tender rule overriding every other legal dependency.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current090_and040_curetext_checked_cutoff_unresolved", "scope": "Completecurrent090cureactors/base/expense/feereview/discontinuance/nonmonetary/tender/lienadvancesand040statutoryformschecked;strict/inclusivecutoffandhistorical/nestedactualfactsheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C051 Saved research record

The trustee’s statutory written reinstatement/payoff-response requirement and the covered servicer’s payoff-response rule have different actors and units.

Recorded check status: trustee10dayform checked servicer7businessday rule unreopened

Sources/pinpoints; conditions and limits: S001 §.040(4); S021 -550(1). Q28.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "trustee10dayform_checked_servicer7businessday_rule_unreopened", "scope": "040statutorywrittenresponsechecked;WAC550scope/bodyandhistoryremainoriginalunreopened.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C052 Saved research record

Covered servicing fees require the stated authorization and default-service reasonableness; third-party charges may not exceed actual payment. Rules also prohibit specified unagreed charges and use of suspense funds for the servicer’s own fees.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S021 -567; -551(1)(d), (3)(c), (5). This is not a dollar tariff for all trustee expenses.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C053 Saved research record

Statute and rule impose fee-assessment and mailed-explanation timing, with the statement alternative where stated.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S022 §31.04.290(1)(a); S021 -900(3)(e). Q29.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C054 Saved research record

Payment crediting and suspense treatment have specific receipt, information, timing and full-payment conditions; they are not equivalent to statutory reinstatement.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S022 §31.04.290(1)(b); S021 -900(3)(a)–(d). Written-hold and bankruptcy-order qualifications are not extended beyond their text.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C055 Saved research record

The statute requires its general information statement within 15 business days; the regulation states 30 business days or the specified program timeline. A separate detailed-document track states 15 business days and limited repeat-request charges.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S022 §31.04.290(1)(d), (2); S021 -920(1)–(5); S023. No permission to use the longer period is inferred. Both texts also require correction/refund of identified servicing errors.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C056 Saved research record

The sale-notice lead time depends on whether the .031 letter is required, and a separate default-to-sale minimum also applies.

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §.040(1), (12). These are cumulative predicates, not alternative universal sale dates.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C057 Saved research record

Sale-notice recording, dual mailing, recipient selection and occupant posting/service are separate statutory acts. Recipient categories include specified recorded interests, requesters and occupants, subject to the statute’s knowledge/address and foreclosure-interest qualifications.

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §.040(1)(a)–(e), (14); §.045. A recording or one mailing alone is not full compliance.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C058 Saved research record

Notice of default, notice of trustee’s sale and notice of foreclosure have different content and delivery functions. The foreclosure notice includes the specified note/deed material. A beneficiary/servicing transfer alone does not require a new sale notice under .040(2).

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §§.030(8), .040(2)–(4). Other transfer duties remain; no actual notice is approved.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C059 Saved research record

Publication has two specified sale-relative windows; unknown-heir notice has an additional conditional publication route.

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §.040(5)–(6). The heir route requires its diligence/successor predicates.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C060 Saved research record

The sale is a public auction at a designated public place in the property’s county, on the stated weekday/holiday rule and during incorporated hours.

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §.040(8)–(9); S002 §6.21.050(1), hours only. No actual scheduling permission.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C061 Saved research record

Property may be offered whole or in parcels; the trustee cannot bid. Beneficiary credit bidding is limited to the secured monetary obligation, with excess payable as specified; other bidders’ payment forms are separately stated.

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §§.040(8), .070. No bid, title or distribution is calculated.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C062 Saved research record

Discretionary continuances under .040(10) have an aggregate limit and alternative proclamation/mail or notice/publication mechanisms.

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §.040(10)(a)–(b). Neither unlimited extensions nor one universal notice period is established.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C063 Saved research record

Specified interested persons may seek court restraint on proper legal or equitable grounds, with statutory advance notice and proof-of-service requirements.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.130(1)–(2). This is a generic statutory remedy gateway, not advice to file or a finding that relief is available.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C064 Saved research record

Court restraint may require recurring payments/security under the section, with distinct treatment of periodic-payment, fully matured and nonmonetary defaults and consideration of equity.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.130(1)(a)–(c). No required payment amount is supplied.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C065 Saved research record

Dissolution of an injunction and the specified bankruptcy-stay event have separate new-setting/notice provisions; a properly continued sale may instead use the statute’s stated alternative.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.130(3)–(6). Continuing a date is not permission to conduct a sale during a stay. Federal predicates remain held.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C066 Saved research record

Physical delivery of the deed conveys the described grantor interests. The accepted bid is final as of acceptance if the deed is recorded within the stated period, subject to statutory rescission; the state section supplies no post-sale redemption right.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.050(1)–(2). Federal or other independent rights are not resolved.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C067 Saved research record

The authorized trustee/beneficiary/agent may void a sale within the specified period for the listed process-error, prior loss-mitigation agreement, or accepted full-cure/satisfaction grounds.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.050(2)(a). This is discretionary statutory authority, not an automatic borrower reversal right.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C068 Saved research record

Statutory rescission has separate refund and dual-mail notice clocks. The specified error/agreement grounds permit a reset only with the new minimum date and notice/publication conditions.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.050(2)(b)–(d). The accepted-cure ground is not silently added to the reset authorization.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C069 Saved research record

Trustee-deed recitals have the stated evidentiary effect, including protection of qualifying bona fide purchasers. An interest whose holder did not receive required notice is not affected as specified by .040(11).

Recorded check status: fresh complete current040 selected sale notice continuation rules checked nested held

Sources/pinpoints; conditions and limits: S001 §.040(11). No actual purchaser status, title priority or universal cure of defects is established.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current040_selected_sale_notice_continuation_rules_checked_nested_held", "scope": "Current040alloperativeclauseschecked;dependent030/045/070/6.21.050/legalholiday/federal/tenant/title/otherregimehistoryandapplicationremainunreopened/held.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C070 Saved research record

Sale proceeds first pay authorized sale expenses, subject to the stated aggregate reasonableness benchmark for trustee/attorney fees, then the secured obligation.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.080(1)–(2). This distribution fee benchmark is distinct from .090 reinstatement expenses.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C071 Saved research record

Remaining proceeds follow the clerk-deposit, notice and court-disbursement process. Eliminated liens attach to surplus in court-determined priority; surplus is not automatically payable entirely to the borrower.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.080(3). Motion notice and hearing period appear in Q41.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C072 Saved research record

The section states a conditional twentieth-day possession gateway against specified non-tenant occupants/interests after required notices.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.060(1). Tenant rights and chapter 59.12 procedure remain open; no eviction or possession instruction follows.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C073 Saved research record

Reconveyance under .110(1) has its own written-request/satisfaction conditions. A deficiency bar, cure, discontinuance and reconveyance are not treated as interchangeable events.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.110(1). Separate release clocks are excluded.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C074 Saved research record

Former .048’s homeowner-assistance-program postponement regime is officially marked expired under the enacted closure-based expiration clause.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S020 disposition entry; S012 §§9, 12–13. Exact program-closure/expiration date and required written notice were not authenticated; the old pause is not presented as current.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C075 Saved research record

After a trustee sale under the deed of trust, deficiency judgment on its secured obligations against borrower, grantor or guarantor is barred except to the extent .100 permits for commercial loans.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(1). This is tied to the obligation secured by the deed actually sold under.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C076 Saved research record

The chapter preserves an action on liability before sale notice or after discontinuance, and permits later foreclosure after completion or dismissal of that action, subject to other requirements.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(2). No actual enforcement election is made.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C077 Saved research record

The post-1998 commercial borrower/grantor exception is limited by beneficiary/affiliate purchase, fair-value shortfall, timely notice and specified waste/wrongfully retained proceeds; it excludes the borrower’s principal residence at sale.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(3)(a). It is not a general commercial-borrower shortfall remedy.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C078 Saved research record

A commercial guarantor deficiency branch requires timely .042 notice and the other .100 conditions. Omission of that special notice does not itself invalidate other notices or the trustee sale.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §§.100(3)(c), .042, complete sections.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C079 Saved research record

The specified commercial deficiency actions have a one-year sale-based period, qualified by later written agreement after foreclosure notice and statutory prohibition periods; multiple qualifying sales use the last sale.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(4). This is the route-specific clause only; no P3 limitations analysis or actual deadline is supplied.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C080 Saved research record

The commercial-guarantor fair-value mechanism is adjudicative and uses the statutory deduction relation, contractual interest and authorized costs. Fair value has a sale-date, prior-encumbrance and market-exposure definition.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §§.005(8), .100(5); S006. Symbolic relation in Q44; not a bid-price-only calculation.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C081 Saved research record

Commercial other-collateral enforcement is preserved; if other security is sold before guarantor deficiency judgment, its fair value is added under the specified valuation rule.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(3)(b), (5). Full collateral priority and enforcement regimes remain open.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C082 Saved research record

A guarantor who gives a deed of trust securing its commercial guaranty has the narrower stated liability branch; if that deed encumbers the guarantor’s principal residence, the statute provides up to $125,000 from the accepted bid before application to the guaranty obligation.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(6); S005 §6.13.080(2); S014 §7. This fixed provision is not replaced by a county-based homestead figure.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C083 Saved research record

Acceptance of a deed in lieu under a commercial-loan deed of trust exonerates the guarantor except to the extent the guarantor agrees otherwise as part of that transaction.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(7). No actual agreement or transaction is examined.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C084 Saved research record

Express contract language may prohibit recovery of some or all commercial deficiency after trustee sale.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(9). No waiver or contract term is presumed.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C085 Saved research record

The commercial trustee-sale rule does not preclude enforcement of an obligation, or its substantial equivalent, that was not secured by the foreclosed deed of trust.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(10). Whether an obligation is genuinely separate remains held.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C086 Saved research record

Unless otherwise agreed, a trustee sale does not impair the guarantor’s specified reimbursement right against borrower or grantor.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(11). No actual reimbursement entitlement is decided.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C087 Saved research record

Section .100 preserves prior law for the stated commercial instruments/guaranties executed before June 11, 1998; the affirmative exception uses “after” that date.

Recorded check status: fresh complete current100 deficiencyexceptions checked full incorporations held

Sources/pinpoints; conditions and limits: S001 §.100(3), (12); S016 §12. The exact-date boundary and complete prior regime remain held.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "fresh_complete_current100_deficiencyexceptions_checked_full_incorporations_held", "scope": "Completecurrent100bar/commercialexceptions/guarantor/fairvalue/vintage/contracts/reimbursementtextchecked.005/042/6.13.080/61.12.060/prior1998law/currenthistoryandactualpredicatesremainheld.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C088 Saved research record

For its owner-occupied, noncommercial scope, .127 preserves specified damages claims despite failure to enjoin, but limits the route to monetary relief and the earlier stated filing period; it does not authorize title invalidation through that section.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.127(1)–(4). Full claim elements, CPA remedies and judicial construction remain open.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C089 Saved research record

Section .135(1) addresses specified bid collusion and permits the trustee to decline completion/delivery and refund under its stated concerns, with express exceptions.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.135(1)(a)–(d). Ordinary as-is statements, specified financing and good-faith agreements are not automatically collusion.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C090 Saved research record

The statute identifies specified mediation/contact/funding violations as CPA violations, but that designation is not an adjudication of all private-remedy elements or an automatic completed-sale reversal.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.135(2). Obsolete .173/.174 references are not treated as current duties.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C091 Saved research record

The relevant 2025 amendments have distinct January 1, 2026 current and January 1, 2028 future/expiration branches. Future wording was not substituted for the current body.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S009 §§19–20; S010 §§35–36; S011 §512. Full future association-law coverage is excluded.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C092 Saved research record

The .190 funding exemption uses a different event and strict threshold from the .166 mediation exemption; its reporting/payment duty is not a borrower cure charge.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S001 §.190(1)–(4); S012 §8. Notices of default and completed trustee sales are not interchangeable counts.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C093 Saved research record

The 2026 amendment concerns .157’s loan-closing funding fee and its exclusions; it does not create a foreclosure reinstatement fee.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S026 §1, effective June 11, 2026; S001 §.157. Incorporated public-financing-program eligibility remains outside this pass.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

S_WA-P8-C094 Saved research record

The generic RCW computation rule and the WAC business-day definition have different scopes. Neither supports an invented universal foreclosure calendar convention.

Recorded check status: material original section rule history or incorporation unreopened held

Sources/pinpoints; conditions and limits: S003; S004; S021 -010(7). Backward counting, special statutory language and court-rule interaction remain held where not resolved by the read text.

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "atomic_reconciliation": "[internal evidence reference]", "disposition": "material_original_section_rule_history_or_incorporation_unreopened_held", "scope": "Wholeoriginalclaimcellsreconciled;materialunreopenedauthority/nestedhistory/definition/currentness/applicationholdspreventwholeclaimacceptance.", "all_original_limits_retained": true, "entire_claim_currentness_or_actual_application_accepted": false}

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

Search this report’s sources

S_WA-P8-S001 Saved research record

Washington Legislature/Code Reviser, Chapter 61.24 RCW—Deeds of trust. https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true

Recorded check status: five of32 complete current section usages checked not wholechapter history or application

Actual read extent; edition/status; credits and application limits: Complete current bodies of the sections listed in §2.2, including statutory notice forms and material notes. Current and future-effective bodies were distinguished. No claim of reading every chapter section or every incorporated title. Section-specific credits and original enactments appear below.
Direct source URLs: https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true
https://apps.leg.wa.gov/rcw/default.aspx?cite=61.24&full=true&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "five_of32_complete_current_section_usages_checked_not_wholechapter_history_or_application", "scope": "Completecurrent090/100/031/040/163only,allothersection/groupedhistory/currentness/nestedlawandapplicationheld.", "selected_evidence_keys": ["090_complete_current1_to7_credit_and_reviser_note", "100_current1_to5_opening", "100_complete_tail5_to12_credit_notes", "031_current_heading1a_to1f", "031_complete1f_tail2_3_4_and5_start", "031_complete5_tail6_7_8_9_start", "031_complete_declaration_tail_credit_notes_andfutureheading", "040_currentheading_1_start", "040_1tail_2_statutorynotice_start", "040_notice_tail3_and4_start", "040_complete4_notices_and5_6_start", "040_complete6tail7_8_9_10_11start_12_13start", "040_current11tail12_13_14_credit_notes_futureboundary", "163_currentheading1_to6start", "163_complete6tail7_8_9", "163_complete10_11_12_13_14", "163_complete13tail14_15_16_17_18_19_20", "163_complete21to24_credit_notes"], "all_original_limits_retained": true}

S_WA-P8-S002 Saved research record

Washington Legislature, RCW 6.21.050—Execution sale time/place provisions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete section read. Latest displayed credit: 2021 c 122 §12. Used only for the hours expressly incorporated by RCW 61.24.040(9); sheriff-sale scheduling and other execution procedures are not transferred to trustee sales.
Direct source URLs: https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050
https://app.leg.wa.gov/rcw/default.aspx?cite=6.21.050&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S003 Saved research record

Washington Legislature, RCW 1.12.040—Computation of time. https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete section read; latest displayed credit 1997 c 125 §1. Generic first/last-day rule identified. Its application to every backward-counted foreclosure period is not adjudicated here.
Direct source URLs: https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040
https://app.leg.wa.gov/rcw/default.aspx?cite=1.12.040&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S004 Saved research record

Washington Legislature, RCW 1.16.050—Legal holidays. https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete subsections (1)–(7) read. Displayed 2025 c 58 §1001 and 2025 c 30 §1 credits/merger material noted. No actual calendar calculation; no assertion that every commemorative day is a legal holiday.
Direct source URLs: https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050
https://app.leg.wa.gov/rcw/default.aspx?cite=1.16.050&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S005 Saved research record

Washington Legislature, RCW 6.13.080—Homestead exceptions. https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete body read; only subsection (2) used to understand the express cross-reference in RCW 61.24.100(6). Latest credit 2021 c 290 §6. No P7 homestead findings imported or reconstructed.
Direct source URLs: https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080
https://app.leg.wa.gov/rcw/default.aspx?cite=6.13.080&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S006 Saved research record

Washington Legislature, RCW 61.12.060—Judicial foreclosure/upset price. https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete section read; credit 1935 c 125 §1. Used only for the provision displaced by RCW 61.24.100(5) in its commercial-guarantor branch. Full judicial foreclosure remains open.
Direct source URLs: https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060
https://app.leg.wa.gov/rcw/default.aspx?cite=61.12.060&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S007 Saved research record

Washington Legislature, RCW 62A.9A-604—Real-property and personal-property collateral; fixtures. https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete subsections (a)–(d) read; credit 2000 c 250 §9A-604. Bounded current gateway for the obsolete former RCW 62A.9-501(4) reference in .020. Article 9 attachment, perfection, priority, and fixture entitlement are not completed.
Direct source URLs: https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604
https://app.leg.wa.gov/rcw/default.aspx?cite=62A.9A-604&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S008 Saved research record

U.S. House Office of the Law Revision Counsel, 12 U.S.C. §461(b)(1)(A). https://uscode.house.gov/us/usc/119-121/t12/s461/

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete incorporated paragraph (b)(1)(A) read. Displayed currency through Public Law 119-121, October 9, 2026. Its nested institutional definitions were not fully followed. Washington’s additional “federally insured” condition remains separate.
Direct source URLs: https://uscode.house.gov/us/usc/119-121/t12/s461/
https://uscode.house.gov/us/usc/119-121/t12/s461/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S020 Saved research record

Washington Legislature/Code Reviser, Chapter 61.24 RCW disposition table. https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Relevant entries read completely: .048 expired under 2023 c 206 §12; .173 and .174 repeal entries and savings references. This authenticates the displayed disposition, not the exact date of the assistance-program closure event.
Direct source URLs: https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24
https://app.leg.wa.gov/RCW/dispo.aspx?cite=61.24&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S021 Saved research record

Washington Department of Financial Institutions/Code Reviser, Chapter 208-620 WAC—Consumer Loan Act rules. https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete bodies of the rules listed in §2.3 read. Latest credits vary by rule. No entire-chapter compliance conclusion. Current .930 body was successfully read through this ordinary full-chapter route after the individual-section route failed.
Direct source URLs: https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true
https://app.leg.wa.gov/WAC/default.aspx?cite=208-620&full=true&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S022 Saved research record

Washington Legislature, Chapter 31.04 RCW—Consumer Loan Act, relied-on section pages: https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165 ; https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete bodies of these four sections read. Latest displayed credits respectively: 2018 c 62 §9; 2024 c 249 §2; 2018 c 62 §16; 2015 c 229 §35. Used for definitions, exemptions, rulemaking authority, and servicing duties—not a renewed provider-licensing report.
Direct source URLs: https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015
https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025
https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165
https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290
https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.015&utm_source=chatgpt.com
https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.025&utm_source=chatgpt.com
https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.165&utm_source=chatgpt.com
https://app.leg.wa.gov/rcw/default.aspx?cite=31.04.290&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S025 Saved research record

U.S. House Office of the Law Revision Counsel, 15 U.S.C. §1602. https://uscode.house.gov/us/usc/119-120/t15/s1602/

Recorded check status: original attribution unreopened all limits retained

Actual read extent; edition/status; credits and application limits: Complete (a) and (w) read and relied on; displayed source/amendment notes inspected. Currency through Public Law 119-120, October 7, 2026. “Dwelling” incorporation only; not complete TILA/Regulation Z coverage. Later federal changes through access date were not exhaustively established.
Direct source URLs: https://uscode.house.gov/us/usc/119-120/t15/s1602/
https://uscode.house.gov/us/usc/119-120/t15/s1602/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S009 Saved research record

Washington Legislature, 2025 c 393, SSB 5686. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Parsed text: complete §§1, 3, 4, 19–20; selected surrounding/future sections, including §7. §§19–20 at printed p.60/PDF index 60 read completely. Current relevant §§1–4 effective January 1, 2026; §§5–7 effective January 1, 2028. Expiration list includes §§1, 2, 4, but not §3. Not entire act.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5686-S2.SL.pdf?cite=2025+c+393+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S010 Saved research record

Washington Legislature, 2025 c 119, SSB 5129. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Cover, substantial selected §31 text, and complete §§35–36 at printed p.82/index 82. Cover effective July 27, 2025; §31 expires January 1, 2028. Original §31 was not read continuously in its entirety; current codified .030 was.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5129-S.SL.pdf?cite=2025+c+119+s+31&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S011 Saved research record

Washington Legislature, 2024 c 321, SSB 5796. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Selected §410 opening; complete §512, printed p.196/index 196. §§401–432 effective January 1, 2028. Full future association-law consolidation not audited.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410
https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/Senate/5796-S.SL.pdf?cite=2024+c+321+s+410&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S012 Saved research record

Washington Legislature, 2023 c 206, SHB 1349. https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Complete §§1, 6–9, 12–13; selected §2. §7 at printed p.30/index 30; §§12–13 at pp.35–36/indexes 35–36. General effective July 23, 2023; §§7–9, 12 effective May 1, 2023. §7 expressly retroactive to January 1, 2023. Historical HAF pause and its closure-based expiration read.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4
https://lawfilesext.leg.wa.gov/biennium/2023-24/Pdf/Bills/Session%20Laws/House/1349.SL.pdf?cite=2023+c+206+s+4&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S013 Saved research record

Washington Legislature, 2021 c 151, SHB 1108. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Selected §4; complete §6 and §§13–17. Relevant immediate provisions effective May 3, 2021; other listed provisions January 1, 2022; repeal/savings provisions June 30, 2023. Not a complete historic regime reconstruction.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2
https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/House/1108-S.SL.pdf?cite=2021+c+151+s+2&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S014 Saved research record

Washington Legislature, 2021 c 290, SSB 5408. https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Complete §7, printed pp.5–7/indexes 5–7; §8 emergency clause and approval material. Effective May 12, 2021. Authenticates the specific fixed $125,000 guarantor-residence provision. Historical retroactive application not assumed.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7
https://lawfilesext.leg.wa.gov/biennium/2021-22/Pdf/Bills/Session%20Laws/Senate/5408-S.SL.pdf?cite=2021+c+290+s+7&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S015 Saved research record

Washington Legislature, 2018 c 306, SSB 2057. https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Cover; selected §1; complete §§4–5, printed pp.20–24/indexes 20–24; end material. Effective June 7, 2018. Used for holder-wording amendment and complete rescission/restraint amendments; not entire act.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1
https://lawfilesext.leg.wa.gov/biennium/2017-18/Pdf/Bills/Session%20Laws/House/2057-S.SL.pdf?cite=2018+c+306+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S016 Saved research record

Washington Legislature, 1998 c 295, SSB 6191. https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Complete §§11–12, printed pp.19–23/indexes 19–23; cover/end. Effective June 11, 1998. Stricken former obligation-satisfaction language was distinguished from enacted text. Pre-1998 law not reconstructed.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12
https://lawfilesext.leg.wa.gov/biennium/1997-98/Pdf/Bills/Session%20Laws/Senate/6191-S.SL.pdf?cite=1998+c+295+s+12&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S017 Saved research record

Washington Legislature, 1985 c 193. https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Complete §5 application clause, PDF index 10; other selected text. Current codified note identifies July 28, 1985. Exact §5 is the pinpoint; no unverified printed-page number supplied. Applies to notices of default issued after the effective date.
Direct source URLs: https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3
https://leg.wa.gov/CodeReviser/documents/sessionlaw/1985c193.pdf?cite=1985+c+193+s+3&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S018 Saved research record

Washington Commerce, Foreclosure Fairness Program. https://www.commerce.wa.gov/homeownership/foreclosure-fairness/

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Generic program body, FAQ/referral and fee-sharing statements read. Displayed page update July 21, 2026 is not a legal effective date. Current guidelines link discovered; linked document inaccessible. No exemption roster or provider examined.
Direct source URLs: https://www.commerce.wa.gov/homeownership/foreclosure-fairness/
https://www.commerce.wa.gov/homeownership/foreclosure-fairness/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S019 Saved research record

Washington Commerce, Foreclosure Fairness Program Guidelines, May 1, 2016. https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Cover and fee/scheduling material, printed pp.27–29/PDF indexes 31–33, read. Historical official guidance, not current fee authorization.
Direct source URLs: https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf
https://www.commerce.wa.gov/wp-content/uploads/2015/11/ffp-guidelines-may-2016.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S023 Saved research record

Washington DFI, WSR 18-16-024, permanent rules. https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Header, adoption/authority statement and complete amendments to -551, -567, -900, -905, -920, -930, -935 read; selected definitions. Adopted/filed July 24, 2018; effective September 1, 2018. Header expressly identifies the information-response change from 15 to 30 business days.
Direct source URLs: https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm
https://lawfilesext.leg.wa.gov/law/wsr/2018/16/18-16-024.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S024 Saved research record

Washington Legislature, 2024 c 249, SSB 6025. https://lawfilesext.leg.wa.gov/biennium/2023-24/Htm/Bills/Session%20Laws/Senate/6025-S.SL.htm

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Complete act §§1–5 read; §§2 and 5 relied on. Effective June 6, 2024. Prospective application; pre-effective-date loans excluded unless renegotiated or modified after that date.
Direct source 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

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S026 Saved research record

Washington Legislature, 2026 c 156, SSB 5938. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Complete cover, §1 and end, printed pp.1–3/PDF indexes 1–3. Effective June 11, 2026. Amends the loan-closing funding fee/exclusions; does not supply a cure charge.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Bills/Session%20Laws/Senate/5938-S.SL.pdf?cite=2026+c+156+s+1&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

S_WA-P8-S027 Saved research record

Washington Legislature/Code Reviser, 2026 RCW Sections Affected table. https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf

Recorded check status: original attribution unreopened all limits retained

Actual read bounds; effective/application findings; limitations: Relevant Title 61 row, printed p.10/PDF index 9, and relevant searches read. Dated April 2, 2026; discovery/version cross-check only. Led to S026. It is not operative law or proof of absence of later changes.
Direct source URLs: https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf
https://lawfilesext.leg.wa.gov/biennium/2025-26/Pdf/Reports/Reports/RCW%20SL%20Sections%20Affected%202026.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "source_check": "[internal evidence reference]", "disposition": "original_attribution_unreopened_all_limits_retained", "scope": "Originalsourcecellsandgroupedusagesreconciledonly;nofreshbody/currentnessorapplicationacceptance.", "selected_evidence_keys": [], "all_original_limits_retained": true}

What was examined—and what is still missing

The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.

Search this report’s coverage and gaps

coverage-1 Saved research record

1 — Instrument/security route

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered textually
Source/claim/branch links: S001 .020; C001, C008
Exact retained gap or next inquiry: Actual instrument, obligation validity and default excluded; B01.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-2 Saved research record

1 — Beneficiary/borrower/grantor/guarantor/agent roles

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered definitions; construction partial
Source/claim/branch links: C002–C004, C011, C027
Exact retained gap or next inquiry: Holder/owner/agency incorporations; B04.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-3 Saved research record

1 — Trustee eligibility and successor appointment

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered statutory categories; incorporation partial
Source/claim/branch links: C005–C007
Exact retained gap or next inquiry: Replacement entity/licensing texts; B03.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-4 Saved research record

1 — Residential/consumer/commercial/agricultural distinctions

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered textually
Source/claim/branch links: C004, C009, C016, C023
Exact retained gap or next inquiry: Actual category and temporal predicates excluded; B02/B05.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-5 Saved research record

1 — Territorial, recording and physical-presence conditions

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered specified clauses
Source/claim/branch links: C008, C060
Exact retained gap or next inquiry: Full jurisdiction/interstate/tribal/title law held; B28.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-6 Saved research record

1 — Judicial alternative and mixed collateral

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Bounded gateway answered
Source/claim/branch links: C014–C015; S006–S007
Exact retained gap or next inquiry: Full judicial foreclosure, execution, redemption, Article 9 and priority remain open.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-7 Saved research record

2 — Contact and due diligence

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered operative duties
Source/claim/branch links: C016–C019; Q03–Q05
Exact retained gap or next inquiry: Reference-event reconciliation; B06.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-8 Saved research record

2 — NOD/holder declaration/content/delivery

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered current clauses
Source/claim/branch links: C011, C020
Exact retained gap or next inquiry: No actual truth, authority or compliance; B01/B04.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-9 Saved research record

2 — Death/successor notices and documents

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered procedural text
Source/claim/branch links: C021–C022
Exact retained gap or next inquiry: Title/intestacy/assumption qualification; B07.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-10 Saved research record

2 — Mediation scope/exclusions

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered state text; federal category partial
Source/claim/branch links: C023–C025
Exact retained gap or next inquiry: Nested institution definitions and exact amended-notice interaction; B08/B09.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-11 Saved research record

2 — Referral/documents/session/certification

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered
Source/claim/branch links: C025–C032
Exact retained gap or next inquiry: Applicable NPV program and formal reconciliation; B11/B12.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-12 Saved research record

2 — Mediation fee

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Partial/held current administrative amount
Source/claim/branch links: C033; Q14–Q15
Exact retained gap or next inquiry: Current operative Commerce authorization; B10 and F01.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-13 Saved research record

2 — Declaration/certification versus adjudication

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered boundary
Source/claim/branch links: C011, C027, C030, C034
Exact retained gap or next inquiry: Evidentiary construction and actual proof held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-14 Saved research record

3 — Cure eligibility/base/reinstatement/tender

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered text; cutoff unresolved
Source/claim/branch links: C044–C050
Exact retained gap or next inquiry: Eleventh-day wording and specific maturity/expense questions; B16/B17.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-15 Saved research record

3 — Payoff/information/payment/expense safeguards

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered; statutory/rule response conflict held
Source/claim/branch links: C051–C055
Exact retained gap or next inquiry: B15; actual fees, payments and accounts excluded.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-16 Saved research record

3 — State modification/loss mitigation

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered conditional state framework
Source/claim/branch links: C037–C043
Exact retained gap or next inquiry: CLA scope, completeness/late timing, federal program incorporations; B13/B14/B25.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-17 Saved research record

3 — Short sale/pooling agreement

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Bounded statutory interface answered
Source/claim/branch links: C035–C036
Exact retained gap or next inquiry: No approval, contractual duty or actual agreement inferred.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-18 Saved research record

3 — Redemption versus discharge

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: State nonjudicial clause answered; other regimes held
Source/claim/branch links: C048, C066, C073, C075
Exact retained gap or next inquiry: Independent federal/judicial redemption or discharge; B25/B26.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-19 Saved research record

4 — Sale setting and recipients

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered
Source/claim/branch links: C056–C058; Q32
Exact retained gap or next inquiry: No actual schedule or notice validation.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-20 Saved research record

4 — Publication/heirs/occupant notice

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered generic requirements
Source/claim/branch links: C057–C059
Exact retained gap or next inquiry: Diligence/title/tenant predicates held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-21 Saved research record

4 — Conduct/bids/place/hours

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered statute
Source/claim/branch links: C060–C061
Exact retained gap or next inquiry: No bidding, payment or sale instruction.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-22 Saved research record

4 — Continuance and additional notice

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered separate mechanisms
Source/claim/branch links: C062; Q36
Exact retained gap or next inquiry: Exact branch interaction/actual prior compliance; B18.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-23 Saved research record

4 — Judicial restraint and reset

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Bounded state framework answered
Source/claim/branch links: C063–C065
Exact retained gap or next inquiry: Federal stay and full litigation construction held.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-24 Saved research record

4 — Completion/deed/statutory rescission

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered
Source/claim/branch links: C066–C069
Exact retained gap or next inquiry: Actual ground/title/evidentiary status held; B19.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-25 Saved research record

4 — Distribution/surplus/reconveyance

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered route-specific clauses
Source/claim/branch links: C070–C073
Exact retained gap or next inquiry: Priority and independent release clocks excluded; B20.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-26 Saved research record

4 — Former assistance-program pause

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Expired status authenticated; exact date unresolved
Source/claim/branch links: C074; S012/S020
Exact retained gap or next inquiry: B24.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-27 Saved research record

4 — Possession/tenancy

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Only indispensable gateway
Source/claim/branch links: C072
Exact retained gap or next inquiry: Full tenant/eviction component excluded; B27.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-28 Saved research record

5 — Basic deficiency bar

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered
Source/claim/branch links: C075–C076
Exact retained gap or next inquiry: No conclusion about every related obligation.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-29 Saved research record

5 — Commercial borrower/guarantor exceptions

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered current text
Source/claim/branch links: C077–C087
Exact retained gap or next inquiry: Historical exact-date, actual purpose/security/notice and prior-law branches; B21.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-30 Saved research record

5 — Fair value/fixed guarantor residence provision

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered symbolic text
Source/claim/branch links: C080–C082; Q44–Q45
Exact retained gap or next inquiry: No valuation, amount or general homestead substitution; B22.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-31 Saved research record

5 — Contract, deed-in-lieu and reimbursement

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Answered statutory boundaries
Source/claim/branch links: C083–C086
Exact retained gap or next inquiry: No actual or invented agreement reviewed.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-32 Saved research record

5 — Waiver/damages/collusion/CPA designation

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Bounded answer
Source/claim/branch links: C088–C090
Exact retained gap or next inquiry: Full cause/remedy and judicial construction held; B23.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-33 Saved research record

6 — Full judicial foreclosure/execution/redemption

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Deliberately excluded beyond gateway
Source/claim/branch links: C015, C065, C080
Exact retained gap or next inquiry: Separate component required.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-34 Saved research record

6 — Homestead/title/priority/community property/probate

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Deliberately excluded beyond indispensable clauses
Source/claim/branch links: S005, C010, C082
Exact retained gap or next inquiry: B07/B20/B28; P7 not reused.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-35 Saved research record

6 — Federal servicing/SCRA/bankruptcy

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Explicit dependencies; no full federal proposition
Source/claim/branch links: S001 .025; B25/B26
Exact retained gap or next inquiry: Complete current federal scope/exception/effective texts required.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-36 Saved research record

6 — Government loans/federal liens/local/tribal/interstate

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Held
Source/claim/branch links: B12/B25/B28
Exact retained gap or next inquiry: Separate generic regimes; no eligibility or preemption outcome.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-37 Saved research record

6 — Consumer remedies and judicial construction

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Held except narrow statutory boundaries
Source/claim/branch links: C088–C090; B23/B29
Exact retained gap or next inquiry: No cases, opinions, dockets or enforcement records searched.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-38 Saved research record

7 — Current/future/historical/adopted status

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Material originals authenticated within read bounds
Source/claim/branch links: S009–S017, S023–S027; C091
Exact retained gap or next inquiry: No assertion of complete historical or future-law reconstruction.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-39 Saved research record

7 — Direct URLs/pinpoints/read bounds

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Supplied visibly
Source/claim/branch links: §2 source/usage register
Exact retained gap or next inquiry: Original partial-read limits expressly identified.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-40 Saved research record

7 — Failed routes and different ordinary route

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Supplied visibly
Source/claim/branch links: §8 below
Exact retained gap or next inquiry: Current fee and exact HAF expiration event remain open.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-41 Saved research record

Registry dimension 6 beyond this component

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Open
Source/claim/branch links: Scope boundary
Exact retained gap or next inquiry: Other secured-debt, judicial foreclosure and sector components remain required.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

coverage-42 Saved research record

All earlier Washington components/holds

Recorded check status: recorded; no individual primary acceptance inferred

Status in this pass: Preserved unchanged
Source/claim/branch links: Supplied scope context only
Exact retained gap or next inquiry: No P1/P2 patch, P3–P7 acceptance, Washington acceptance or A066 acceptance follows.

Recorded coordinator check boundaries

coordinator acceptance: scoped_partial_not_accepted
coordinator review: {"at": "2026-10-29T09:48:44.432656+00:00", "identity": "delegated coordinator /root/review_wv1; not independent", "reconciliation": "[internal evidence reference]", "all_original_missing_evidence_retained": true, "parent_or_topic_acceptance": false}

Corrections, review and scope

How to read the research →

No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

reviewed scoped partial with holds

Other components in this research series

S_WApass-03-citation-01

SWA correction of the C070 coverage pinpoint

Inside: 1. Source and usage register · 3. Old-versus-new patch table · 5. Source-version and quantity-or-unchanged table

6 tables6 claim records3 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-03-citation-02

SWA exact original-row completion

Inside: 1. Source and usage register · 2. Corrected claim table · 3. Complete old/new patch table

7 tables3 claim records4 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-18-limited-01

Two bounded source corrections

Inside: Two bounded source corrections · 1. Exact replacement claim table · 2. Necessary cross-reference patch table

7 tables2 claim records4 source recordsScoped review · limits applyCaptured 2026-10-29

S_WApass-19-limited-01

1. Exact two-cell replacements

Inside: 1. Exact two-cell replacements · 2. Minimal source and claim traceability · 4. Actual read/failure log and version limits

4 tables2 claim records1 source recordsScoped review · limits applyCaptured 2026-10-29

S_WApass-01

Washington provider market access and consumer fees

Inside: Washington provider market access and consumer fees · 1. What Washington classifies as debt adjustment · Conduct controls the classification

9 tables40 claim records30 source recordsScoped review · limits applyCaptured 2026-10-23

S_WApass-02

Remaining fee interactions and patches to

Inside: Remaining fee interactions and patches to PASS-01 · A. Substantive findings · 1. Initial $25, the payment cap, cumulative retention, and a small first payment

8 tables19 claim records13 source recordsScoped review · limits applyCaptured 2026-10-23

S_WApass-03

Generic limitation periods, accrual, acknowledgment, payment and revival

Inside: Generic limitation periods, accrual, acknowledgment, payment and revival · How to read the registers · 1.1 Ordinary contracts, accounts, sales and leases

18 tables98 claim records45 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-04

SWA Washington generic civil debt-action framework

Inside: 1. Reading conventions and authority boundaries · Authority and procedural-category comparison · 2.1 Courts, jurisdiction, venue, and procedural tracks

17 tables103 claim records112 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-05

SWA Washington ordinary civil earnings garnishment

Inside: Reading conventions · A1. Legal categories, jurisdictional predicates, and authority levels · A2. Symbolic wage relations and adopted rate references

23 tables84 claim records39 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-06

Washington non-earnings bank/deposit garnishment, account protections, and exemption process

Inside: Washington non-earnings bank/deposit garnishment, account protections, and exemption process · Reading and citation conventions · 1.1 What each authority governs

26 tables91 claim records31 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-07

Washington homestead and ordinary nonwage, nondeposit property exemptions from execution

Inside: Washington homestead and ordinary nonwage, nondeposit property exemptions from execution · Reading conventions · 1.1 The principal distinctions

16 tables120 claim records29 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-09

Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries

Inside: Judicial mortgage foreclosure, judicial sale, redemption, deficiency, and debt/security boundaries · Reading conventions · A. Judicial-route gateway, instruments, actors, parties, and proof — Questions 1–2

18 tables106 claim records54 source recordsCorrections to readCaptured 2026-10-28

S_WApass-10

Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies

Inside: Washington Article 9A: default, possession, disposition, redemption, surplus, deficiency, and bounded remedies · Reading conventions · 1. Material category, actor, authority, and event comparisons

20 tables111 claim records72 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-11

SWA Washington consumer credit sales and retail installment obligations

Inside: 1. Principal findings · Identifier convention · 2. Material legal-category and authority comparisons

18 tables81 claim records45 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-12

SWA Consumer personal-property leases and rental-purchase agreements

Inside: 1. Substantive findings by requested question · Question 1 — Governing regimes and classification · Question 2 — Agreement, disclosure, writing, and prohibited terms

15 tables112 claim records31 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-13

SWA Residential rent arrears, nonpayment termination, deposits, and the summary-possession interface

Inside: Reading conventions · 1. Material category and authority comparisons · B. Rent increases, nonwaiver, and dishonored-payment boundaries

17 tables118 claim records99 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-14

SWA Regulated residential electricity and natural-gas arrears, disconnection and restoration

Inside: Reading key and limits · 1.1 Statutes: instruments, literal URLs and read bounds · 1.2 Administrative-code instruments and section-by-section usage

19 tables114 claim records19 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-15

SWA Hospital charity care, medical billing, and medical-debt collection

Inside: 1. Material legal-category and actor comparisons · 2A. Current codified operative sources · 2B. Adopted originals, federal poverty publication, interpretation, and status sources

19 tables112 claim records41 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-16

Washington student-loan servicing and borrower protection

Inside: Washington student-loan servicing and borrower protection · 1. Material category and authority comparisons · Reading and identification conventions

18 tables120 claim records22 source recordsCorrections to readCaptured 2026-10-28

S_WApass-17

SWA Washington small-loan / payday / deferred-deposit component

Inside: 1. Reading conventions and evidentiary status · A. Category, actor, exemption, and territorial boundaries · B. License, endorsement, limited-agent, and financial-security structure

29 tables141 claim records134 source recordsScoped review · limits applyCaptured 2026-10-28

S_WApass-18

Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund

Inside: Ordinary nonmortgage Consumer Loan Act origination, pricing, agreement, payment, prepayment, refinancing and refund · Reading conventions · 2. Atomic consequential claim ledger

23 tables122 claim records78 source recordsScoped review · limits applyCaptured 2026-10-29

S_WApass-19

Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries

Inside: Washington residential real-property tax arrears, relief, deferral, exemption and tax-foreclosure boundaries · 2. Source and usage ledger · Reading conventions

24 tables120 claim records82 source recordsCorrections to readCaptured 2026-10-29

S_WApass-20

Ordinary contested civil debt proof in Washington

Inside: Ordinary contested civil debt proof in Washington · 1.2 Assertions, admissions, affidavits, and declarations · 1.3 Documentary and electronic proof

21 tables165 claim records123 source recordsScoped review · limits applyCaptured 2026-10-29

Download this complete public research record (JSON)

Record integrity

Original saved Markdown SHA-256: 1faa09673d2084833a601b2e22006d7a9d7c23376b440147a6efbd2c6ac3264d. Public formatting, private-reference removal and correction annotations are separate from that immutable original.